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r/tqqq
100% QLD or 80% TQQQ / 20% TMF in a Roth
Investor summaryNeutral
Asking whether to allocate 100% to QLD or 80% TQQQ/20% TMF in an old Roth IRA to avoid a 99% drawdown without market timing.
Bear points
- Leveraged ETFs like TQQQ carry the risk of a 99% drawdown, which is irreversible in a static retirement account.
Post body
Pick one?
I realize most are allergic to TMF but I still believe in the distant future (10+ years) it will protect at the time when TQQQ is -99%.
I don't really want a 200 SMA strategy. I don't trust myself to sell or re-buy without trying to time.
I don't want 100% TQQQ because this is an old Roth account I'll never contribute to again, so a -99% drawdown would be painful as I'd never be able to add more to it (though I guess I could buy more in a different account.... but not a Roth).
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