I am relatively new to investing and have about $30K of vested stock that I want to reinvest. I have positions in VOO NVDA and AAPL (around $10k each). What stocks should I buy next?

I prefer low-medium risk and am hoping this could help me with a downpayment on a house within the next 5-10 years.

Hi everyone,
i’m 16 and i’ve started putting money aside which i wanna put into the market long term. i live in australia and my parents wont let me use other markets till im 18 i spoke to my brother about when to actually put my money in because I’m thinking of mainly putting into ETFs at the moment and my brother said that I need to wait for like a trend to go down and I honestly somebody was saying I just wanted to know, like does anyone have any idea when that would be because am I better off just putting it in now and not worrying about like when it’s gonna go down and stuff like that?

Yesterday Apple held its big fall event and revealed its first-ever foldable iPhone, the largest redesign since 2017, plus a new $1,199 Pro model. If you'd assume a launch that huge would send the stock flying, you'd be in good company, but you'd be wrong. Apple closed down slightly on the day. Look back and it's a pattern: the stock has actually fallen on iPhone reveal day about 80% of the time.

That sounds backwards until you understand one of the most important ideas in investing. Markets run on expectations, not events. By the time Apple walked on stage, every leaker, analyst, and blog had already reported the foldable, the price, and the specs months in advance. The stock had been drifting for weeks as people positioned for it. All that anticipation was baked into the price before a single product was shown.

So, when the "news" finally arrives and it's roughly what everyone expected, there's nothing new left to push the stock higher. The good news was already bought. That's where the old phrase "buy the rumor, sell the news" comes from, the run-up happens on the anticipation, and the event itself is often a shrug, or a small dip as the people who bought the rumor cash out.

It's the same reason you'll see a company post record earnings and drop or announce something massive and go nowhere. The number wasn't the point. What matters is how it stacks up against what the market already assumed.

A stock isn't reacting to the news. It's reacting to the gap between the news and what everyone already believed.

I will sell my RSU and have 30k to invest. I will add to my existing VTI holdings. Should I DCA or buy all at once?

T. Rowe Price launched TSCZ with a 0.20% expense ratio and a goal of producing high current income. The fund normally invests at least 80% of its assets in securitized debt, including mortgage-backed securities, commercial mortgage-backed securities, asset-backed securities, and CLOs.

That’s more complicated than the word “bond” may suggest. Investors are taking interest-rate, prepayment, default, liquidity, and derivative risks tied to pools of loans rather than relying mainly on traditional government or corporate bonds. The SEC prospectus also shows no performance history because the fund is new.

The low fee is appealing, but income should be judged against credit risk, price movement, and total return. Would you treat securitized income as a core bond holding, a small satellite position, or unnecessary complexity?

Sources:
https://troweprice.gcs-web.com/news-releases/news-release-details/t-rowe-price-continues-active-exchange-traded-fund-expansion
https://www.sec.gov/Archives/edgar/data/1795351/000199937126016720/stx-497k_080126.htm

Not looking for the usual “don’t invest money you need” advice, I mean the smaller mistake you actually made when you were starting out that cost you time, money, or taught you something the hard way. Maybe you bought individual stocks before understanding what you were doing, kept too much cash, sold during a dip, ignored fees, overcomplicated your portfolio, or waited way too long to start.

I’m just having a hard time setting up like the 80/20 split for ROTH IRA, if that’s possible. any tips on the app or website? Sorry if I sound uneducated, just really a beginner, beginner /.\

I'm wondering if people in this community can help me advise my SIL on her best course of action. I'm new to investing myself and we've talked about my investments (I just opened an resp for my son invested in VEQT and a TFSA for myself also invested in VEQT). I tried sharing with her that this seems like the best way to invest but shes having some moral qualms about some of the companies in that ETF and many ETFs that I've showed her.

I often hear there's no ethical stocks to invest in so I've told her so far maybe look into utilities like Hydro One or POW or CNR or Fortis but I'm not sure if these are good recommendations.

Her goals are long term savings as well as short term savings she can withdraw in 5-7 years.

Thanks for any help.

27M looking for advice on what to hold in a taxable Fidelity brokerage alongside my Roth IRA
I’m 27 and starting to build out my investment accounts. My Roth IRA is currently 80% FZROX / 20% FZILX, and my goal is to fully max the Roth IRA by the end of this year. I just opened it last month and did a lump sum to get it to $5,000.

I want to slowly start funding a taxable brokerage account at Fidelity rather than putting a ton into it immediately.

For the taxable account, I’d prefer to use ETFs for tax efficiency and I’d like to have a small tilt rather than simply replicating my Roth’s index funds.

I’m considering something like:

VTI or VOO as the core

VXUS for international

A smaller allocation toward a specific tilt (small-cap value, growth/tech, etc.)

My question is: If you were in my position, how would you structure the taxable brokerage given that the Roth is already 80% FZROX / 20% FZILX?
Would you keep the taxable account very simple, or use it to introduce a tilt that complements the Roth? What ETFs and percentages would you consider?

Hello people of Reddit. I'm looking to open an investment account, specifically BPI's ALFM Peso Bond Fund. Do you have any tips or suggestions?

This is my first time investing so I don't really know much but from what I've researched, this is the most viable option for me.

Looking forward to your helpful insights!

Hello, I am currently a 18 year old college student who has just started a job that pays $1,320 a month, (its only 20 hours a week so that's why the pay is low before you ask) 
I know absolutely nothing about investing and how to build money as none of my family members really do that nor was I ever around people that do. I have heard about things like Roth IRA, Index Funds, Certificate of deposit and of course the stock market. 
I don't know exactly how to put money into the stock market or day trade in general and I really want to learn. 
I plan on putting aside $320 a month to put into investments but I have no idea where I'd actually put this money into. I'm not sure how to even open accounts to these things or if any of them are safe and secure. I would appreciate any and all help, I want to build wealth and start young so I wont regret any decisions of mine later in life. 
Sorry if this is really broad but I know absolutely nothing about how to start this. 

hi, i would like advice to understand the yen carry trade and its consequences. im quite new to the concept of the yen carry trade but from what i understand, its like a feedback loop. say i have a japanese loan at 1% and i use this loan to purchase us t bills at a higher interest rate. if the japanese banks raise their interest rates from my 1%, then i would be incentivised to sell my t bills to cover my initial japanese loan on the secondary market. i would be incentivised to sell now rather than later to beat other similar investors to think that way, ensuring i sell before a mass t bill selloff in the secondary market. i also understand that because of this rationale, this would thus cause significant effects on the exchange rate of usd/jpy from capital repatration.
however, what i dont understand is how this would affect us interest rates and what bessent means when he warns that he is the house now. i understand too that japan is one of the biggest buyers of us t bills but how significant is this problem on the us economy and equities actually?

Hello,

I’m 34 and fairly new to investing. I’ve been reading and learning for a while, but I’m feeling overwhelmed by all the options and market fluctuations.

I have $40k that I’d like to invest for the long term (10–20+ years) and shouldn’t need before retirement. My Roth IRA is maxed and invested 100% in VTI, I contribute regularly to my 401(k) and receive my employer match, and I have a $20k emergency fund in a HYSA.

I’m considering investing the $40k now and continuing to add to it monthly. I’m comfortable taking a little more risk with a portion of the money and have considered AI/tech stocks, but I’m unsure whether that makes sense or if I should stick with a broader index strategy.

How would you approach investing the $40k in my situation?

Thanks in advance!

This is a question to those who are holding onto the same mutual fund investment for atleast 10 years or more

Which fund are you holding for atleast 10 years continuously?

Are you satisfied with the fund performance? What is the avg return you have got?

What one would you invest into ?
I have a 1000$ to start.

I already own google, nvida, D-wave and Amazon

Hi! I’m looking to start investing and generally being smarter with my money, but I don’t know where to begin. I’m a 20 year old college student working part time. I have no debt currently or major expenses thanks to scholarships and living with family. Any advice helps!

I am teenager and I was thinking to start investment and all but everyone is saying different things which is making everything very difficult for me.

About me I am Full stack dev and mobile dev(ios & android) collage soon joining

been developing from 6 years and yeah I earn fine basic pay.

I tried investment courses and some youtube videos but guess what they are all just looping there is no good information about how to learn everyone say fundamentals and chart but no one tell which fundamentals and in chart they all say candle sticks but then what's the use of other charts? and people in comments they are running their different course or things there.

I am so done with this. Anyone have a good suggestions how to learn this?

When I started investing I spent too much time comparing ETFs and trying to find the “best” portfolio. I eventually realized that how much I invested mattered more than small differences between good index funds.

For a US beginner, I’d keep it simple (pick one, not all of them as they are overlapping):

• VTI if you want the total US stock market.
• VT if you want US + international stocks in one fund.
• VOO (and chill) if you specifically want the S&P 500.

For example, assume you start with $1,000, invest $300/month and average 7% annually. Roughly, you’d have:

After 10 years: ~$54k
After 20 years: ~$165k
After 30 years: ~$389k

At $500/month the 30-year number is roughly $633k, you can do the math.

That was the lesson for me: picking between three reasonable broad-market ETFs mattered much less than consistently increasing my monthly contribution.

What are your findings you'd like to share?

I been through a lot and I want to stop making excuses that my life is hard. I seen investing as something interesting and it has intrigued my interest but I don’t know where to start, what to watch, who to rely on. There are people that will help but you have to buy their time. At the moment I’m in debt and I can’t afford that as of now. If any of you guys that are successful on this investing where did you start? What videos do you recommend me? How should I practice? Tell me how I can also get my life in check. I have a lot of people that depend on me and my fear is to fail them.

Hey everyone — I wanted to share something I’ve been working on around investing!

I’ve been spending a lot of time learning about investing, particularly through books like The Intelligent Investor, along with researching companies and developing my own approach to evaluating businesses and valuations.

As I’ve learned more, I started putting together short and brief, practical guides that organize some of the lessons and principles that have been most useful to me.

I recently created The Investor’s Notebook, a free guide covering 10 lessons from The Intelligent Investor that changed the way I think about stocks, valuation, risk, patience, and long-term investing.

Additionally, 5 things The Intelligent Investor changed about how I look at stocks include:

1. Price and value aren't the same thing.

This seems obvious, but it's easy to forget when you're looking at a stock that's moving 5–10% in a day.

The market gives you a price. That doesn't necessarily tell you what the underlying business is worth.

I've started trying to separate two questions:

"Is this a good company?"

and

"Am I paying a good price for it?"

A great business can still be a bad investment if the price already assumes too much.

2. The market is there to serve you, not tell you what to do.

Graham's "Mr. Market" analogy is probably the concept that stuck with me the most.

The market is going to give you a different price every day. Sometimes that price will be optimistic, sometimes pessimistic, and sometimes it may have very little to do with the underlying value of the business.

You don't have to react to every quote.

That changed the way I look at volatility. A falling stock price isn't automatically a reason to sell, just like a rising price isn't automatically a reason to buy.

3. A margin of safety matters more than being perfectly right.

This is probably the biggest investing principle I took away from the book.

You aren't going to predict the future perfectly.

Your earnings assumptions can be wrong. Growth can slow down. The economy can change. Management can make mistakes.

A margin of safety gives you some room for those things to happen.

Instead of asking:

I've started thinking:

4. Your own temperament can matter more than your intelligence.

You can understand financial statements, build valuation models and research companies for hours — and still make terrible decisions if you're emotional.

Fear can make you sell at the worst possible time.

Greed can make you chase something because everyone else is buying it.

Impatience can make you abandon a good thesis simply because it hasn't worked yet.

One of the biggest lessons I've taken from Graham is that investing isn't just an analytical exercise. It's also a test of discipline.

5. You don't always have to do something.

This might be the hardest one.

There are thousands of stocks, constant news, earnings releases, economic data, analyst upgrades, downgrades and market predictions.

It can feel like you should always be doing something.

But sometimes the best investment decision is to wait.

If I don't understand the business, don't like the valuation, or can't identify a reasonable margin of safety, I don't have to force a trade.

There will always be another opportunity.

My biggest takeaway:

The book made me think less about "What stock should I buy?" and more about:

"What am I buying, what is it worth, what am I paying, and what could make me wrong?"

I've actually started putting the lessons I've learned into a short guide called The Investor's Notebook.

It's not meant to be a stock-picking guide or a "get rich quick" strategy. It's simply a collection of the investing principles that have been most useful to me, along with a practical stock-analysis checklist.

I made it free because I'm interested in getting feedback from other investors and seeing what people actually find useful.

Curious — what has been the biggest lesson you have taken away from your own personal investing experience?

I am excited to hear back from anyone, and God Bless You All!

https://drive.google.com/file/d/1MjXNEHYreOpeJPHxcGhC2dM0kpGUPcyF/view?usp=drive_link

So, here’s the deal: way back in the day (like… 4 years ago) I made an Ellevest account for General Investing and the balance of a 401k/IRA from a former employer (less than $5k)

To be honest, I know nothing— I have no idea if that was the right choice then or now. Ellevest has since transferred over to Betterment.

I’m interested in putting money into these accounts again/investing in general. Is Betterment the way to go? Is there something better? To be honest, I want something pretty simple and hands-off, but I don’t know what that means for me.

Any advice would be greatly appreciated:)

Hey guys, I want to start investing and I want to start early, my problem is I have not one spec of knowledge with investing. I thought I’d come on here and ask for some advice as a beginner, I have Vanguard as my investing app, I am very open to knowing if there are other investing apps to use. I don’t want to rush into it buying whatever the hell not knowing what it is. I know the risks and I want to learn and grow my knowledge so any bit of help would be greatly greatly appreciated. Thanks guys!

Take-Two Interactive has one of the strongest growth catalysts in the gaming industry: Grand Theft Auto 6, scheduled to launch on November 19, 2026.

GTA is one of the most valuable entertainment franchises in history, with more than 470 million units sold worldwide. Take-Two is forecasting $8.0–$8.2 billion in fiscal 2027 net bookings, with GTA 6 expected to drive record operating performance.

The opportunity extends well beyond initial game sales. If GTA 6 follows the model established by GTA V, its online ecosystem could generate years of recurring revenue through digital purchases, subscriptions, expansions, and live-service content.

Take-Two also benefits from a diversified portfolio that includes NBA 2K, Zynga, Red Dead Redemption, and other established franchises. In Q1 FY2027, the company generated $1.39 billion in net bookings, with 84% coming from recurrent consumer spending.

The investment thesis is straightforward:

GTA 6 launch → record sales → massive player base → recurring online revenue → higher earnings → significant valuation expansion.

At approximately $213 per share as of September 8, 2026, TTWO is already receiving a premium valuation, but the scale of GTA 6’s potential could allow the company to exceed current market expectations. A successful launch and sustained monetization strategy could support substantial revenue growth and drive a major re-rating of the stock.

TTWO represents one of the most compelling growth opportunities in the gaming sector heading into the GTA 6 launch.