this post was submitted on 09 Jul 2025
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Lemmy Shitpost

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Welcome to Lemmy Shitpost. Here you can shitpost to your hearts content.

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[–] RememberTheApollo_@lemmy.world 1 points 23 hours ago* (last edited 22 hours ago) (1 children)

IRAs are tied to stocks.

There’s no way to “avoid the stock market entirely” using this. Yes, you should balance how you want your tax burden to look in the future by deciding how you wish to invest in Roth or regular IRA. IRAs are also limited to how much you can contribute, whereas traditional stock investment does not.

I don’t want to get too deep in the weeds here for investing strategy. There’s pros, cons, and costs to each of these kinds of investment. People have to look at all of these, their personal capabilities, and risk tolerance. Personally, we’re (another key word here:) diversified across multiple investments and someone absolutely should take advantage of the same if they can.

[–] Trainguyrom@reddthat.com 1 points 23 hours ago (1 children)

I wasn't the one who said to avoid the stock market. I just got the feeling that your comment I was replying to was saying to just place money into a high interest savings account and wanted to throw an alternate opinion out there

[–] RememberTheApollo_@lemmy.world 2 points 23 hours ago* (last edited 23 hours ago) (1 children)

Ah, sorry didn’t see the name change. No, that was never my intent. Diversification is a must.

[–] Trainguyrom@reddthat.com 1 points 23 hours ago

No worries! Have a wonderful day!