Hey everyone. So as of February I inherited a bunch of stocks my father had in his brokerage that transferred to my brokerage account. I don’t follow the market too much anymore but wanted to get some opinions on the following stocks I now have. I have recently started investing in the SP500
Funds but never any individual stocks. I have the following: Apple, Disney, Microsoft, intel, O, and ford motor company. They are all pretty solid companies in my eyes except Disney which I’m not sure which direction they are heading. As of right now since they became mine I have paper losses of over $10,000 so far. After researching them, they all have upside and some even show potential for pretty decent growth. Disney reported great earnings but dropped like a stone right after. I’ve always kind of followed Apple stock as was gonna buy $14,000 worth when it was at $198 a share but I ended up needing the money to put on a roof on my house and decided not to. I still could have as have sufficient savings but didn’t want to dip into my savings to do so. Should I be riding these out or cut my losses? I feel it would be a mistake. If they were some shitty companies I would have done it already but they aren’t and I don’t need the money. Microsoft I have taken the biggest hit on so far dropping over 20%. As mentioned, I’m 98% sure I’m gonna just hold till whenever, no timeline. I have an SP500 fund I invest in and albeit that’s down as well but it’s for retirement so that’s gonna just
Ride out for 15-20 years. What you think?
Inherited a couple blue chip stocks, hold or sell??
byu/BulkyWar7513 instocks
Posted by BulkyWar7513
13 Comments
Hold
If you’re bound for 15-20 years, you should be good holding.
The biggest financial crisis in this century so far was in 2008, and since then, even if you kept your stocks without re-buying, you’d have 20-40 times your initial funds (not indexed by inflation)
Hold it for 40 years. Don’t sell.
It’s hard to know or make too many statements without knowing your goals, risk tolerance, when you want to retire, etc.
One thing I will call out, you will start receiving dividend payments on these names, which will be taxable events. So two things, make sure you have them to set to auto re-invest, usually that is off by default and the other is that you will need to pay taxes on these. Not sure the total amount you are getting, but could add a bit extra to income taxes next year.
How much of your brokerage is allocated towards individual stocks, and how much broad market index funds?
Hold. Normal to be down at the moment due to Orange Man’s daily machinations . . . Due to this coming out minutes ago, I can almost guarantee you that the market will go up tomorrow:
[https://www.cnbc.com/2026/03/24/trump-iran-war-negotiations.html](https://www.cnbc.com/2026/03/24/trump-iran-war-negotiations.html)
Albeit, I have no idea what happens after tomorrow.
Definitely hold especially right now.
I think they all pay dividends (without me exerting so much effort to look at yahoo finance for each stock) so holding sounds good collecting dividends.
I’d treat it like fresh cash. If you got the same dollar amount today, would you buy this exact basket in this size? If not, selling isn’t disrespecting the inheritance. It’s just choosing your portfolio now.
If your father had deep cost basis, best to hold. Deep cost basis gives you such a huge mental advantage.
Sorry for your loss.
Sell Ford.
If you don’t need the money right now, selling just because it dropped is usually how people lock in regret. Those are solid companies and over 10–20 years the odds are heavily on your side if you just leave them alone.
Most people lose by overreacting, not by holding.I’d only think about selling if your situation changed or you actually need the cash. Otherwise this is basically a free head start.
I write about this kind of simple long term thinking and avoiding dumb mistakes, check my profile if you want.
Sorry for your loss.
I personally would sell DIS, F and INTC and use the funds to buy SP500 (VOO or SPY).
AAPL MSFT and O are solid holds. All 3 of these companies increase revenue/profits/distributions consistently over time. The other 3 do not (they had been but decade or decades ago).
In terms of taxes, you will either have a step up or step down cost basis on all of these shares. What it means is your cost basis is reset to the value on the date of your father’s passing. For example, your dad bought AAPL for $100, but the value was $250 on date of his passing – your cost basis is “stepped up” to $250. On the flip side, your dad bought MSFT for $400, and on date of his passing the shares are $350 – your cost basis is “stepped down” to $350. The general concept is his tax liability or benefit is not passed on to you.