If you're paid as an employee, I guess you're left with traditional vs. Roth IRA, then.KodoCastle wrote: ↑Fri Jan 18, 2019 10:27 am Unfortunately I work at a startup w/ no 401K, but if that changes I'd definitely do this.
Sounds like you want to generally bet on prosperity, but don't want to actively buy and sell stocks or stock funds. You can accomplish that goal simply by holding a single stock fund outside of your PP and letting it sit and do its thing for a few decades. A target date fund would be a useful option, but you could look at an actively managed fund too.
If you are thinking of periodically selling off some of it to capture big gains, you probably don't want this in taxable. In practice though, you'll mostly be adding to it. During a big market upturn, you might just redirect more contributions to the PP rather than the stock fund as a way of accomplishing the same thing without actually selling.
