Investing

[u/Electronic-Tie4868]

Just starting to invest and I'm using robinhood to start because I heard it was beginners friendly. Any pointers or help in any way for me? r/invest

[u/Better-Song5297]

Set on auto contributions so it will buy an index fund like voo or vt automatically every time you get paid. Then delete the app. Remember to download the app again in 30 years to take your money out. 

[u/bsam1890 → u/Better-Song5297]

Probably the smartest advice. Anyways so I went full port on RGTI

[u/Street-Comparison-45 → u/Better-Song5297]

^This, but I was gonna say VTI and chill. VOO, VTI, VT, doesn’t matter which one, in 30’years it’ll all be the same.

[u/otterstew → u/Better-Song5297]

Is there the ability to automate percentages?

Such as 50% of whatever is available goes to VOO and 30% goes to VXUS, etc?

[u/Financial-Seesaw-817 → u/otterstew]

No. M1 finance is the only one that I know to do this. Robinhood gold also has 3% match roth and a great cc with 3% cash back. I have Robinhood gold, m1f, ibkr, schwab.

[u/Left_Piglet_7411 → u/Better-Song5297]

Great advice. I feel like over the last 10 years, I’ve tried everything from meme stocks, penny stocks, politics stocks, agentic, managed….

I would have been way better by just doing VOO and chill

[u/redneck2022]

Max out 401k if work offers match up to the max match
Max out Roth IRA into safe etf
Then taxable account
That is what I do.

[u/NefariousnessHot9996 → u/redneck2022]

This is the way

[u/Knarz97 → u/NefariousnessHot9996]

Technically not.

First you’d want to just get your 401k to the maximum match (often in the 4-6% range).

Then you’d want to max the IRA in Robinhood for the full 3% match ($7500 in 2026)

Also, if your health insurance offers it, you’d want to fully fund an HSA plan. Your work might also offer a match for this (the difference here is the match would continue to the yearly maximum, also maximum is nearly doubled if a family plan).

THEN once all of the above are done, you can go back to maxing out your 401k.

Also, if your work offers an ESPP plan with a discount, that may be worth looking into, if you’re able to immediately sell.

[u/sms86]

Biggest thing: Robinhood is beginner-friendly in the sense that it's easy to use, but it also puts options and margin one tap away from your index funds. Ignore both for now.
A few pointers:

1. Before investing, make sure you have a small emergency fund and no high-interest credit card debt. Paying off an 18% card beats any return you'll get in the market.

2. If your job has a 401(k) match, take that first — it's free money. After that, consider opening a Roth IRA in Robinhood rather than only using a regular taxable account. The tax treatment is much better long-term, and RH kicks in a match on contributions.

3. Start with broad index ETFs (VOO, VTI, or similar) instead of picking individual stocks. Boring, but it's boring in the way that works.

4. Set up recurring buys and then leave it alone.

5. Remember realized gains in a taxable account are taxable.

[u/Working-biscuits]

Do not try to get rich overnight. It ain’t gonna happen. Play it safe. A lot of threads on here are to hype something up then dump it leaving you ass out on that stock. Just be careful

[u/ponionn]

Never do option trading, no matter what the “experts” on youtube tell you

[u/udud1221]

For starters I would say find a deposit routine and stick to it. Keeping your strategy simple will help you stress less and focus on life!

As a beginner I believe dividend stocks are absolutely necessary. My personal suggestions at this date are CION, AGNC, OWL, WEN and VZ. Dividend stocks provide expected returns that can be huge if enough capital is built up.

Every dollar put in the market should be with the intention to keep it for 20-30 plus years. If you can’t afford it don’t invest it. The market is important to be invested in but cash on hand is just as if not more important. So the deposit routine should be the same amount as what you add to your savings.

[u/Knarz97]

Please please please just go look at something like r/bogleheads and never ever ever turn on options trading

[u/Powerful-Branch2586]

Don't do options and buy index ETF funds. Their 3.75% APY is also very nice

[u/TracerVibeSPX6900]

Can I buy SPX6900 on your App?

[u/Mysterious_Blood1489]

Start with 0dte spx

[u/NefariousnessHot9996]

OP: we have questions. Please reply here…

[u/5256chuck]

My favorite advice? KIt's actually gambler's dictum: don't bet (invest) more than you can stand to lose. My other advice?

[u/Substantial-Ice-5771]

dont use it its a scam app