인덱스 펀드, 언제 현금화해야 할까? 🤔

I think the wisdom was to 'rebalance' your stock/bond ratio every year. So obviously if stocks have a massive run up you could sell some to buy bonds.

Go to r/bogleheads. Also check out r/FIRE which basically answers your question of whether to cash out.

TLDR you don’t cash out until retirement, which you can afford if you are only drawing about 4% of your portfolio each year. In this strategy, most “bogleheads” follow a “3 fund portfolio” strategy or simply buy VTI or VOO and forget about it. You are doing it right, there is no reason to sell unless you are trying to buy something you can’t afford

This sub is mostly for speculative investing and get rich quick schemes. We are all trying to beat the market on r/stocks lol

Technically you didn't buy all the haystack.

Might be worth rebalancing some VTI into VXUS and VTEB.

Allocations depend on your age.

definitely, you're always learning, not all indexes are equivalent, you might feel you are in a position where you are willing to risk something for a more positive outcome, or maybe you can run a better index by buying all the same stocks except for the ones you don't believe in. And of course you should be taking some level of profit every year instead of a huge amount in a single year to reduce your overall tax burden.