Hey all. so I've been mulling over something. Would appreciate if you could help me out here!
After I have maxed out this year's NISA, I put the leftover money in a taxable account. All in emaxis slim all country, I dumped it all at once.
The original plan was this: come Dec 2025, if my taxable account has grown at all since I purchased them, I will sell whatever I need to secure funds to max out NISA in Jan 2026.
But if the taxable has dropped its value right around Dec 2025, I'm not sure if it's wise to sell them then. In that case, should I just delay putting money in NISA 2026? That doesn't sound very wise though.
Now I'm leaning toward selling my taxable part right now to secure funds for NISA 2026, as that will give me peace of mind. What do yall think?
Thing is in the past, the advice I had followed was to not put any money I might need in the next 5-10 years in the stock market. Had I followed that this time, I would've not put the leftover funds in a taxable account. But I got swayed by reading people in different places (not just here) saying put the rest in taxable, sell when NISA space becomes available.
Does my concern make sense? Let me know what yall think.
EDIT: I think I have an answer! Since I'm buying emaxis slim all country in all my accounts, I guess I don't necessary have to max out NISA in January 2026. If the market is down in Dec 2025, I could wait until Dec 2026 to transfer funds from taxable to non-taxable. because I think the point is to max out NISA each year. Does this sound right?
by Unusual-Elephant-896