Personal Investments • Should I front load my 401k in 2026?

1. DCA tax advantaged contributions over the year, so every paycheck is the same, and I don't have to sell my RSUs.
2. Sell RSUs as they vest (avoid capital gains by selling when gain is $0, and sell enough to cover a regular paycheck) until August. Front load all retirement savings accounts.

I would go with option 2. The average real return of world equities is roughly 5% historically, so by dollar cost averaging, you are giving up about 6 months of returns or a 2.5% real return on average. The stock market is up about 70-75% of years, and the recent high valuations may just be the new normal. Also, I think it is best to sell RSUs as they vest to minimize risk. If you owned VT, would you sell it and buy Meta/Microsoft/MediaTek stock?

Statistics: Posted by blimp — Sat Nov 22, 2025 12:43 am — Replies 2 — Views 107

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