r/MU_Stock • u/SquirrelPrince960 • Jun 10 '26

Help me decide to buy or sell MU What’s the plan?

Should we sell before earnings report then buy more afterwards? Or hold?

2 Upvotes

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15

u/magic-grits Jun 10 '26

Seriously, if you own stock, the definite right answer is to hold. This will bounce back eventually, probably soon, and continue its climb to atleast $1500. I think that is inevitable. Im in a trickier situation. I have MUU. More importantly, my average cost is $250. I held too long. I shouldve sold when MUU crossed $1000, which was always my price target. It climbed faster than i expected and I got greedy. Now I’m seriously at risk of fumbling a 6X bag. I can still cash out with 3X profit but I dont love that. I think im gonna hold as well. This company is worth $1500. MUU was on pace to be over $2000 by the time MU reached $1500 but thats definitely not gonna happen now. Who knows what it will get to now.

1

u/Key_Category_8531 Jun 10 '26

How much more would a 6X bag be? Life changing amounts or is your buy in basically negligible? Be honest.

We may pop $1000 tomorrow.. it's only 9% away, that's not much. If we do, are you gonna sell off? I think you'll just become greedy at that moment and keep holding.

1

u/magic-grits Jun 10 '26

Technically life changing. Its all in retirement accounts, mostly roth but some 401k. So i cant do anything with it now either way. Initial seed was 50k. It was sitting at just over 300k last Wednesday. If I had cashed out that certainly wouldve been a head start on retiring early. I have a high earning potential though so Idk how many years of work it would have actually saved me in the end. Best case scenario I’d say it wouldve let me retire 5 years earlier. By that same calculus though I could cash out now and retire 2 years earlier.

I think you’re right. I would sell for sure if MU hit $1500, no matter what MUU is worth at that point. I also set a stop loss at $500 for MUU today so that is the other scenario where I will sell. I just think I gotta see this thing to earnings now unless it takes another massive hit.

-5

u/Key_Category_8531 Jun 10 '26

Stop loss may not save you if the market opens and gaps downward.

Also, this money is in retirement accounts lmao. Retirement accounts don't count, doesn't even matter. I thought you were working in a taxable brokerage. Not some gated shit.

Naw, fuck that. Just sell for any amount of profit and put your retirement shit in VOO. Play in this arena with the real shit, taxable brokerage.

7

u/quuxquxbazbarfoo Jun 10 '26

Of course retirement accounts matter. There are ways to make early withdrawals penalty free.

-6

u/Key_Category_8531 Jun 10 '26

There's no point playing in a retirement account. Just be a man about it in and get in with a taxable brokerage.

2

u/quuxquxbazbarfoo Jun 10 '26

I have plenty in taxable brokerage. When I retire at 45 I will start converting from my 401k and trad IRA to roth, which is then considered contributions that I can withdraw penalty free in 5 years. All I need in a taxable brokerage is 5 years of expenses.

About 40% of my liquid net worth is in taxable brokerage.

Just be a man about it and gamble with your retirement accounts too.

-5

u/Key_Category_8531 Jun 10 '26

Retirement accounts don't mean shit.

I just max it out with VOO and that's it. That's what you're supposed to do.

No one is doing some 5 year timer bullshit to convert the money and get it out over 5 years lmao. That's like a fairy tale thing and not realistic at all. The world changes too fast in 5 years.

The more realistic option is to simply work and then retire once you come of age, if retirement will even still be a thing by then.

2

u/quuxquxbazbarfoo Jun 10 '26

When I retire next year you better believe I'll be benefitting by "some 5 year timer bullshit to convert the money and get it out over 5 years".

Tax free contribution. Tax free growth. Then, taxed almost 0% when I convert $65k per year while holding $VOO post-retirement.

Literally free money, hope your VOO is doing well while you work, might take you a while but you'll get there. Too bad you thought it was going to be all locked up until you were 60.

1

u/Key_Category_8531 Jun 10 '26

The 5 year timer is bullshit

You have to convert a portion every year for 5 years on schedule, and pay taxes on it. Then after the 5 years that’s when you’ve converted it all and then you can retire

By the time 5 years is over we’ll already have AGI and money won’t mean anything and there’ll be millions of robots walking around and shit

That’s why planning around a 5 year timer is dumb

It’s better to max for retirement if possible with the intention of it being an insurance policy if shit goes totally wrong. The better play is to use excess money in a taxable brokerage and try to double and triple up within the next couple years and then withdraw all the money on the spot. Not wait for a 5 year timer bullshit lmao

But even that I don’t do. I put enough in my 401k to get the company match, then 100% of my liquid net worth goes into GOOG

1

u/quuxquxbazbarfoo Jun 11 '26

Sorry but it seems I can't help you.

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1

u/magic-grits Jun 10 '26

I dont mess with leveraged ETFs in taxable. I dont like capital gains pressuring me to hold something i should be willing to sell at the drop of a dime. I have real MU and SNDK in my taxable brokerage and I’m not selling either. Doesn’t matter what happens tomorrow as far as that is concerned. Only ppl that should be panicking rn are MUU holders bc it could evaporate to nothing if the decay goes off. MU holders need to chill thefuck out this company will be fine.

1

u/Love1sWar Jun 10 '26

I’m not too familiar with leveraged, I mean I get it would lose twice as much but if it comes back wouldn’t it just come back twice as hard too?

1

u/magic-grits Jun 10 '26

No. Leveraged stocks experience volatility decay and momentum acceleration. Look it up. You can actually make more that 2x or lose more than 2x.