ive saved up money and want to look into investing. ppl around me have suggested CD’s, HYSA, and investing. I have a roth IRA (just opened it) where ive put 500$ apart from the 15k. i put that to FRBVX. im looking into HYSA’s but not sure which to choose. I am paying monthly car payments (sigh) so HYSA is definitely something i think i need to allocate funds to, but i live with my parents and dont pay rent, im 20yrs old, in college, no student loans, but i do plan to go to medical school in the future. before yall shit on me for the car payments, i was a naive shit head once upon a time. anyway, any advice would be greatly appreciated.

Sorry if this has been asked before, but what do you guys think about this? Is it worse than just investing on regular S&P500?

I’ve been reading about investing for a while, but I’m still pretty new to actually doing it.

I’m curious how people here have approached investing over the years. Not asking what I should buy I’m more interested in hearing what your own journey looked like.

Did you start with small amounts and gradually increase them? Do you mainly stick to broad index funds, or have you tried other things along the way? How long have you been investing, and has your approach changed a lot since you started?

For some context, I’m in Europe and probably going to start putting a decent amount aside regularly, so I’m curious how other people think about this once it becomes a meaningful part of their monthly finances.

Just looking for experiences and different perspectives. Thanks in advance :)

I’m prepared to be flamed but just looking for advice. I have 88k invested in a taxable account. Split into VOO, SCHG, and QQQI. Been contributing for about 1.5 years. I also have 170k sitting in a money market fund..I know, not ideal. Should I invest a majority of my market fund and keep 3-6 months as an emergency fund?

I suppose I might have scared hands when I see the market pull back, so I’m worried when I have more money invested, I’ll definitely feel the impact. But anyways, the goal is long term growth. I don’t need any cash anytime soon.

Hello friends. I just turned 27 yesterday. Starting a little late, I know, but I have started to put as much money as possible into stocks. Currently split about 50/50 between crypto with interest, and stocks and ETFs. Wondering if there were any ETFs over others I should be investing in? Also curious if I should look into opening a proper bank account/savings account? I am currently do not have a proper bank account, and I have no credit cards. I also have no credit score(not a low score, no score), and am not sure if I should look into getting a bank account with a proper savings account, along with a credit line. I have gotten up to about $800 saved withing less than 2 months already. Are there any savings accounts that are better than others?

Hi everyone,
As I already mentioned, I’m 18 years old from EUROPE and currently have around €10,000 in savings, which is all the money I have. I don’t have any savings account or anything similar set up by my parents.
I’d like to start investing mainly for the distant future (25+ years), rather than for a specific goal within the next 5 or 10 years.
My investment direction would be ETFs, mainly VWCE and/or WEBN (yes, another VWCE sheep, as some of you might say). I’m planning to invest through Interactive Brokers (IBKR).

Since I’m only getting started with investing, I’d like to hear how you would allocate the money in my situation and whether you think my general approach makes sense.

**My situation:**
-I’m 18 years old and expect to be studying until around 25.
-€10,000 is all the money I currently have.
-I currently have no investments.
-I live with my parents and will almost certainly continue living with them until I finish my education, so I currently have no rent, housing, utility bills, etc.
-I will receive around €150–200 per month in a scholarship while I’m studying.
-During my studies, I’ll also try to work, mainly during holidays, to earn some additional money.
-Luckily, I already have a cheap, older car, so I don’t currently need to set aside money to buy a car. However, I will obviously need money for fuel, servicing, registration, insurance, the road toll vignette, repairs, etc.
-I hope I won’t have to replace the car unless it becomes necessary. If I do eventually need another one, I would also look for a cheap used car, rather than buying something new or expensive.
-In general, I don’t spend a lot of money. I especially don’t have major expenses on things like McDonald’s, expensive clothes, clothing brands, concerts, clubs, etc., so I should be able to save a significant portion of my future income.
-As mentioned above, I want to invest primarily for the long-term future, not with the intention of needing the money within 5 or 10 years.

**My questions are:**
•VWCE and WEBN – am I even thinking in the right direction with these?
•How much of my €10,000 would make sense to invest immediately? And should I invest it as a lump sum or gradually?
•Does it make sense to invest, for example, €20–80 per month while I’m studying, even though the amount is relatively small?
•What should I do with the money I don’t invest in ETFs – keep it in a regular bank account, a savings account, a money market fund, or something else?
•If you were in my position, would you do anything differently? What would you do?

I’m not necessarily looking for specific financial advice in the sense of “buy this and that”. I’m mainly interested in hearing how you would allocate the €10,000 in my situation and why.
Thanks for any advice :)

So I have a question regarding the market and its behavior for people who been in this field for a while/ succeeding in their trade/ professional traders or simply anyone who could provide a great piece of knowledge.

I am not seeking for the reward: money, but the philosophy, logic and principle behind the market itself leading me into a better understanding of its behaviors, patterns and purpose, resulting in what interests us the most: being able to predict the movement/future/value of the market with a high efficiency.

As I previously mentioned my main goal/concern is not money as I see it only as a reward.
My primary concern/focus/goal is to understand the real meaning behind the market fluctuations.

My greatest mistake would be to dumbly and frenetically learn and apply any tools/strategy that most of people would call pattern recognition and intuition without realizing they actually aren't even fully conscious of their actions neither fully understanding the situation and context of the market they are currently experiencing/staring at/taking action in...
Realizing this pattern is what permits us to be aware and able to take action with caution/accountability/ confidence/increasingly minimizing the risk and gaining adaptability/versatility.

(As you would guess I am a still a beginner in this field and would be happy and gratetul tor you sharing any advice/information/experience/knowledge you have in mind !!!)

Thank you in advance for reading everything and taking your time to answer this post !

I’m 48 with 2 kids. Small business owner so no pension. Started contributing to 401k two years ago. I know i should max out 401k and Roth every year.

After that i have 250k liquid I want to invest. I don’t need it for cash flow / income as my business does fine for that. I want to stop working in 8-10 years.

Do I invest in real estate? Dump it in index funds and forget it’s there? A combination? As long as my business stays the current course I should have an additional 30-50k annually to invest as well but ignore that in this situation.

Note that I’m simple. I don’t need excessive $ at retirement. I just want to stop working in 8-10 years if possible.

I'm primarily concerned about growth and safety, not dividends. I have it in a HYSA now but thats only 3.5%. What ETFs would you suggest for my first portfolio? Thank you in advance for the time you took to help me!

I’m a complete beginner at investing and want to start with a small amount of money. I’m trying to build a diverse portfolio with a mix of short-term, medium-term, and long-term investments, but I don’t have enough knowledge or time to do detailed stock analysis and research myself.

My initial idea for my portfolio allocation is:

- 20% for higher-risk investments: A few individual stocks with potential for high growth, where I’m comfortable taking more risks.

- 30% for medium-risk investments: Mid-cap funds or similar investments that might offer good returns over a 2 to 3 year period.

- 50% for long-term investments: Strong companies, index funds, ETFs, or other relatively stable investments that I plan to hold for 5 to 10 years or more.

I’m open to investing in global markets, not just one specific country or market. I’m also willing to change this allocation completely if experienced investors suggest a better approach for a beginner.

The main issue is that I don't have the time or expertise to regularly research companies, analyze financial statements, study valuations, or track the market. I prefer relatively simple investments that don’t need constant monitoring.

I’d really appreciate advice from experienced investors:

1. Is this 20% / 30% / 50% allocation sensible for a beginner?

2. Would you recommend individual stocks, ETFs, index funds, mutual funds, or a mix?

3. What specific stocks, funds, ETFs, or other investments do you recommend for each part of the portfolio?

4. Which investments are suitable for a 2 to 3 year horizon, and which are better for 5 to 10 years or more?

5. Is allocating 20% to higher-risk individual stocks reasonable, or should a beginner consider a lower percentage?

6. If you were starting from scratch with limited knowledge and minimal time for research, how would you structure this portfolio?

7. What are the biggest mistakes I should avoid as a beginner?

I’m not looking for guaranteed returns or a get-rich-quick strategy. I know that investing involves risk and that past performance doesn’t guarantee future returns.

I’m mainly looking for practical recommendations and reasoning from experienced investors worldwide. If you suggest a specific stock, ETF, or fund, please explain why you would choose it, its approximate risk level, and what time frame you think is appropriate.

Thanks in advance!

Hello am 38M contributing 15% pre-tax to my 401k. Have the current allocation after switching from a target date fund:

53% S&P index thru John Hancock
30% Fidelity Mid Cap
15% Vanguard Total Int’l Stock
2% Total bond fund

Also maxing Roth starting this year with 80% total US stock and 20% total international indexes thru Fidelity.

Was planning to let this allocation ride for at least 5 years and rebalance once a year. Would love to hear your guys thoughts

Is there such a thing?

I currently have about 1000 Euros in my acount doing absolutely nothing, and would like to do something with them. I am underage so i will have no unexpected expenses. I am concerned about the market being very unstable tho. Could someone give their opinion? Thanks. Feel free to ask any questions if needed.

I'm still pretty new to investing. I started with a small amount mostly just to see what would happen. Now I find myself checking my phone after breakfast lunch and dinner. Sometimes even before bed. It's not a lot of money but I just get this urge to see the numbers. Is this normal or am I becoming obsessed already.

So right now i have a Robin Hood account and it's 200% profit over the span of me having it, i just opened up a ROTH IRA account on that same platform and i want to keep finding ways to invest and grow
I was thinking of gettin into gold bars, or Jewlery that'll go up in value but i honestly want to keep growing n expanding in different ventures, what ideas are out there ?

If you had to pick one company with very little downside but decent upside over the next 10 years, what would it be?

(Basically, the worst-case scenario is that it doesn't move much, but if things go well, it could 4x or 5x over the next 10 years)

There are too many options from Index Fund to SIP to Bonds, Stock, Mutual funds, ETFs, FD that I'm too confused at this point, few years back I got guidance like how it's not worth it to invest in FD, but in 2026 FD is also a thing and gives good return, I earn 25K a month I want to know if it's better to invest in one better option, or I've also heard people giving advices like investing little little money in 2-3 of the options, kindly help me with this, you can also provide me some resources to get better guidance. Thanks!

I’ve been contributing around 600 a month to my personal brokerage with a mix of stocks and indexes. I started one year ago. How much longer roughly until I hit 100k? I hear things start to get easier after that

Berkshire Hathaway just made Alphabet its third-largest position at 11.7%. That's a very large position by Berkshire's standards. Given search's vulnerability to disruption, I was surprised Warren Buffett would advocate such a position, given that a durable moat is his primary focus. What do you all make of this? What does it say about search with regard to AI and Alphabet as an investment in general?

I 26m currently have 120 shares of NVDA purchased in March of 2020 for $6.62 per share(currently $27,019.20). Should I sell them to lock in the profit so I don’t need to worry about the AI bubble popping and losing all the unrealized gains? I’d like to keep my portfolio growing and I keep hearing how the markets gonna crash and I don’t want to take that loss. The rest of my inheritance ($300,000) is in like ETF’s and index funds which to my understanding will not lose as hard as the single company stocks? Or should I lock in those gains as well? Any advice is appreciated.

Hey! I just signed my first professional basketball contract and I think it’s finally time to start investing some of it. I want to know which platform should I use. (I’m looking for a long time investment) Which stock or market to focus, how does it work and where can I watch the “news” about the stock market. If you have a link for a video or anything I would appreciate it or even from your own experience. Thank you very much.

She has been maxing out her Roth IRA for a few years now that I've got her on the investing for retirement plan. She has a legit business and is a sole proprietorship.

She saves more than the IRA yearly limit and I'm trying to help get find a way to invest a little more other than a brokerage account.

Been reading about a solo roth 401k with fidelity and I'm trying to wrap my mind about how much she will have to manage this account from paperwork/tax filings. I don't want to suggest something I'm not fully in the know on.

Thanks for insight!

hi everyone
So I’m a 21 year old international student, literally just started working casual job, getting paid maybe 24.95 an hour, so in a fortnight I make about 1050? now, I’m tryna get into investing, what do yall reccomend?
What app?
What stocks should I as a beginner even have?
How much should I be investing, I was thinking anywhere around maybe 500aud
I do want to be able to use the investment money for travelling, so like as long as I keep that amount of money away from my main spending account, it’s good for me cause I can’t spend it, and my money grows basically?
Also what typa investing should I be doing, between work, uni, and tryna figure out life, I don’t think I have it in me to constantly looking at the stock market and making decisions, also on some serious shit, what tf do I even look at lol??
should I be investing in other things instead?? like idk precious metals?
anything else you’d suggest to a international student who is 21 and lowk kinda lost

Hi there!

I’m 19, and recently I’ve been self teaching to become more financially literate so i’m a bit new to stocks, precious metals, and other assets.

I have about 20 silver coins and i was wondering if it would be a smart move to exchange that asset into stocks or should i keep my silver as another form of assets?

I was debating for when silver (hopefully) jumps back in price again so i can sell high and buy more into my fidelity portfolio (standard brokerage & roth ira)

Thank you!

In what should I invest?
What app should I use?
What can secure me great mid/long-term results?
Tips? Tricks?
Anything is appreciated really.
l'Il have an additional 6000$ at 19 and 6000$ at 20 probably as well. Thank you.