我已经30多岁了，诚实地说，我觉得自己运气比能力好。没有正式的投资策略，我主要购买投资朋友推荐的公司并持有它们。

现在我在思考：

- 何时卖掉赢家？
- 是否会为了度假、家装项目或车辆而提取收益？
- 我是否需要重新平衡？
- 怎么处理亏损？
- 有没有这些持仓不再值得持有？

可税收账户

GOOG +82.5% (21.0%)
TSM +87.2% (17.0%)
SPUS +42.5% (13.9%)
HLAL +42.2% (13.8%)
AMZN +23.0% (9.6%)
MU +230.5% (8.6%)
ASML +123.4% (3.3%)
NVDA +17.2% (3.0%)
META +6.3% (2.8%)
MSFT +8.0% (2.6%)
BKNG -18.3% (2.2%)
SPGI -16.5% (1.1%)
UBER -16.9% (1.1%)

罗素退休账户

GOOGL +267.6% (20.1%)
TSM +356.9% (16.8%)
AAPL +156.2% (12.3%)
NVDA +51.3% (11.7%)
MSFT +92.1% (9.5%)
MA +7.2% (7.7%)
V +17.3% (7.7%)
TSLA +114.1% (7.4%)
AMZN +81.6% (6.3%)
SPUS +32.1% (0.3%)

传统退休账户

SPUS +39.2% (61.3%)
GOOGL +194.9% (10.7%)
HLAL +43.9% (9.5%)
NVDA +64.1% (4.7%)
AAPL +47.4% (4.3%)
AMZN +17.5% (3.5%)
TSLA -8.9% (2.8%)
MSFT -0.5% (2.7%)
AMAGX +26.2% (0.4%)

401(k) / PCRA 信托

HLAL +64.1% (41.9%)
SPUS +29.7% (12.2%)
TSM +183.9% (6.2%)
META +2.8% (6.1%)
NVDA +56.0% (5.1%)
GOOG +72.3% (5.1%)
ASML +112.1% (4.6%)
AMZN +27.6% (2.9%)
IBIT +16.5% (2.9%)
FBTC +17.2% (2.8%)
BITB +16.4% (2.8%)
UMMA +13.5% (2.3%)
V +23.1% (1.6%)
MA -10.9% (1.4%)
UBER -21.4% (1.2%)
AMAGX +26.4% (0.1%)

如果我是你，我会留下什么，削减什么，并且为什么？