Strategy for the 2025 NISA

[beanhead]

You mean instead of letting them move to taxable? I'm not buying any new stocks, and once these go back into NISA, I'll still have the tsumitate part for new investments.

What I meant was instead of not re-buying them at all.
I understand that you are just buying again what you previously had. But since there is no rollover, you have locked in your gain by selling them.
You are buying back now at the current price, $255 or whatever.

Hence my question, do you still see Apple having future growth opportunities even at that price? They have been amazingly successful since the launch of the first iPhone, but I just wonder if we should expect that to continue?
I also have some individual stocks in my 'old' NISA that I will have to sell and lock in that gain, and I am not sure whether to re-buy at their new, higher prices, or be more conservative and go for more index funds.

[adamu]

But since there is no rollover, you have locked in your gain by selling them.

This will be the case whether they sell or not.

[banders]

You mean instead of letting them move to taxable? I'm not buying any new stocks, and once these go back into NISA, I'll still have the tsumitate part for new investments.

What I meant was instead of not re-buying them at all.
I understand that you are just buying again what you previously had. But since there is no rollover, you have locked in your gain by selling them.
You are buying back now at the current price, $255 or whatever.

Hence my question, do you still see Apple having future growth opportunities even at that price? They have been amazingly successful since the launch of the first iPhone, but I just wonder if we should expect that to continue?
I also have some individual stocks in my 'old' NISA that I will have to sell and lock in that gain, and I am not sure whether to re-buy at their new, higher prices, or be more conservative and go for more index funds.

OK, got you. My average cost is $45. A couple of weeks ago I sold just over 100 shares in 2020's NISA at $247 (ATH at the time). Since then (naturally), they've risen to $255. I've set a limit order at $247 to continue with the same number of shares and will keep that for a few months, I imagine. It's gone up so quickly there must be a correction at some point in the near future. So, yes, I expect it to rise and for now am long term-hold 'n' wait. However, if the limit order isn't fulfilled in a few months, I will take that as a sign to start thinking about moving those funds to All Country at that time.

[beanhead]

OK, got you. My average cost is $45. A couple of weeks ago I sold just over 100 shares in 2020's NISA at $247 (ATH at the time). Since then (naturally), they've risen to $255. I've set a limit order at $247 to continue with the same number of shares and will keep that for a few months, I imagine. It's gone up so quickly there must be a correction at some point in the near future. So, yes, I expect it to rise and for now am long term-hold 'n' wait. However, if the limit order isn't fulfilled in a few months, I will take that as a sign to start thinking about moving those funds to All Country at that time.

Good stuff. Well, you certainly made a killing buying them once.

I am a huge Apple fan. Just think they may be so large that significant growth will be difficult in the future.
If I had invested in their stocks instead of 'investing' in their products when I started buying them (1999), I would be much wealthier than I am.

[captainspoke]

...If I had invested in their stocks instead of 'investing' in their products when I started buying them (1999), I would be much wealthier than I am.

My first mac was the original profile, an SE, about '89. RAM might have been 128k (256?) and it was the version with one floppy and a whopping 20MB hard drive. Dial up (modem mating call) era. Some time after that there was HyperCard.

[banders]

I am a huge Apple fan. Just think they may be so large that significant growth will be difficult in the future.
If I had invested in their stocks instead of 'investing' in their products when I started buying them (1999), I would be much wealthier than I am.

AAPL is currently 67% of my stock/iDeCo/NISA holdings. If nothing changed except maintaining my monthly investments, that would be 54% when I hope to retire in 7 years. A large position. If you hold any stocks you should know their business and their financial condition very well. There isn’t anything to make me want to sell now. But you alluded to an important point for all older people holding individual stocks: if and when they should sell and move to index funds. My opinion is that Apple has a massive ‘moat’, increasing services sector, a large cash balance (stock buybacks!) and I see a great future, so I’m not considering selling just yet. YMMV

[ChapInTokyo]

...If I had invested in their stocks instead of 'investing' in their products when I started buying them (1999), I would be much wealthier than I am.

My first mac was the original profile, an SE, about '89. RAM might have been 128k (256?) and it was the version with one floppy and a whopping 20MB hard drive. Dial up (modem mating call) era. Some time after that there was HyperCard.

I used to have the SE/30, with a 40GB hard drive.

It used to freeze on a regular basis with a system error bomb icon. Somehow, even though I'd paid the equivalent of the price of a small car for that computer, the frequent errors never really bothered me. Insanely great.