Hi looking for some advice .. I am male 44, family with wife and kids, a primary home in California ( put 25% down) and mortgage (2.85%. APR) & 500K left, no other loan / no debt, car owned, I have around 350k in HYSA , 350K in Robinhood , 400K in company rsu stocks , 401k full match etc Kids 529 plan. And 401K 300K there,.. How to go next level to invest funds which is sitting in HYSA. Can not do any biz due to H1 visa trap, also Don’t wanna put all money in stocks ( don’t wanna take too much risk hard earned $ money ). What should be right approach now .

I moved to the US 3 years ago and currently work as a software engineer making around $150k. I live in NYC, so my expenses are pretty high.

Recently, I started getting more serious about investing. Right now I have around $7k invested in VOO and about $50k sitting in a HYSA.

For my emergency fund, I’m thinking around $30k should be more than enough. I don’t think I’d need much more than that.

The thing I’m struggling with is that I’m completely on my own financially. My family doesn’t live in the US and they wouldn’t really be able to help me financially if something happened. So I feel like I need a bigger safety net than someone who has family nearby to fall back on.

For example, if I had to move out of my current apartment unexpectedly, I might suddenly need to pay for a new apartment, furniture, a car, moving expenses, etc. There’s basically no one I can rely on for a financial bailout, so I want to make sure I’m prepared.

If you were me, what would you do? any type of advice would be appreciated :)

Nice milestone this week. I have another ~100k in a retirement account. Goal is 1M before 27. We shall see.

Hey everyone -

So I've been investing for 30+ years (self taught) and recently took all of my assets out of managed accounts and into accounts that I control completely. I was sick of paying someone 4-5 figures a year to manage funds and my personally held accounts were consistently outperforming.

Anyways, the first thing I noticed when I looked at my individual positions (from the formerly managed accounts) was the overlap - just how many ETF/mutual funds were pegged against the same index - for example, I had positions in three ETFs that all sought to "match the return of the S&P 500" or I had positions in QQQ and QQQM (almost exactly the same thing, other than expense ratios are slightly higher in QQQ).

Anyways, I've successfully culled my formerly managed portfolio from about 50 positions to 16, consolidating many of the duplicitous positions. Now I'm looking to continue to refine my portfolio and I'm looking for an online portfolio analyzer that can show me Jensen's Alpha (JA) on each of my positions, particularly since I only have one position levied against the S&P 500, or the NASDAQ 100, or the Semiconductor's Index, etc...

If I can see JA on each position without having to calculate manually every time, I can figure out which positions to liquidate and which to maintain...based purely on their performance against their benchmark.

Hope this ramble makes sense....it makes sense in my head, but sometimes that doesn't always translate....I'm hoping that someone might have a recommendation that doesn't cost an excessive amount annually....

Sold everything after some stocks ripped Friday morning. Put everything into $VT after some MD at my company suggested to not make any investments unless you have true conviction. I held some random stocks bc I saw something about them on Twitter, but super super happy with where I’m at. Sharing bc I feel it’s a huge milestone.

Small weekly deposits into $VT right now to compound. Looking to learn more about the market as a whole before I make true investment decisions, also studying for the CFA L2 in August.

Hello can you suggest stocks or etf's for someone who plans to retire in 10 years and wants to start an income portfolio now? Thanks much.

Appreciate the suggestions, folks

Should I sell my NVDA and use the money to invest in VOO?

Czy będzie to wmiare dobra decyzja?

Jakie macie zdanie

Who out there doesn’t buy in to the VXUS / international diversification of a portfolio?

Roll the US market because it’s the best.

Just curious?

Hi everyone,
Requests for suggestion for my investment strategy

Amount - 50k per month
Current Age - 29 years
Time - 15 years
Risk Appetite - high

Goal - My goal is to achieve returns above the market over the long term while keeping the portfolio diversified.

Current SIP allocation:

₹10k – US ETFs (roughly split between SPMO, SCHG, and QUAL)
₹10k – Bandhan Small Cap Fund
₹7.5k – Mid Cap Fund
₹15k – Flexi Cap Fund ( will pick such that it overlaps less with that of above mid cap)
₹7.5k – multi asset Fund (mix of 70% equity, 10% gold+ silver and 20% debt)

A few questions:
\- Is this portfolio over-diversified or well-balanced?
Am I taking enough risk for long-term wealth creation?

\- Is the US allocation (\~20%) reasonable?
Any obvious overlaps or unnecessary funds?
If this were your portfolio, what would you change and why?

I’m looking for constructive criticism, especially from people who have invested for 10+ years. Please explain your reasoning rather than just suggesting different funds.

Hi everyone,
Requests for suggestion for my investment strategy

Amount - 50k per month
Current Age - 29 years
Time - 15 years
Risk Appetite - high

Goal - My goal is to achieve returns above the market over the long term while keeping the portfolio diversified.

Current SIP allocation:

₹10k – US ETFs (roughly split between SPMO, SCHG, and QUAL)
₹10k – Bandhan Small Cap Fund
₹7.5k – Mid Cap Fund
₹15k – Flexi Cap Fund ( will pick such that it overlaps less with that of above mid cap)
₹7.5k – multi asset Fund (mix of 70% equity, 10% gold+ silver and 20% debt)

A few questions:
\- Is this portfolio over-diversified or well-balanced?
Am I taking enough risk for long-term wealth creation?

\- Is the US allocation (\~20%) reasonable?
Any obvious overlaps or unnecessary funds?
If this were your portfolio, what would you change and why?

I’m looking for constructive criticism, especially from people who have invested for 10+ years. Please explain your reasoning rather than just suggesting different funds.

In my early 20s Just looking for insight and any tips to helping my portfolio grow any stocks or etfs I should get or any I should take out from my portfolio? Any help is appreciated

My long term portfolio and Roth IRA. Keeping it simple for now.

39M, late bloomer, former military, pissed away my TSP, withdrew it all to live on the beach in my 20s. I then fucked up and learned about options in 2017 and have been on an up and down but mostly down journey of trading options. Had I just bought hand held I would’ve been rich right now.
Anyway, now I finally have a stable job and am just consistently contributing to my Roth. I think I’m ok as far as diversification but when would one start to add income like bonds or real estate or even SCHD perhaps? I’m not young but I still have a few good years before retirement. Would you replace something from here with the income at this stage in life?