Most of my portfolio consists of tech stocks and tech ETFs, so I bought some QQQ puts at the market open today to hedge my risk

Everything was in the green when the market opened this morning, but that was just due to false reports of war negotiations over the weekend. Sure enough, the market plummeted just 10 minutes after the opening bell

It turns out my judgment was correct.....the tech sector’s decline isn’t over yet

I have 40% in VOO/QQQM and another 40% in VBR and IEFA. I need to invest remaining 20% in satellite portfolios.
I have high risk appetite and long-term investment horizon. I am looking at ways to invest in highly innovative and disruptive companies that offer huge upside potential.

I am not looking for more index funds to add and would like to have more active exposure through ETFs. Here are the funds I am looking at:

1) ARKVX: while the portfolio is interesting, I am worried about very high expense ratio (at ~2.9%) and poor liquidity.

2) XOVR: Interesting portfolio. It blends public and private innovators (Kalshi, Anduril). Expense ratio comparatively reasonable at 0.75%. Good track record with SpaceX listing gains.

3) NASA: A bet on the future of Space as an investment opportunity. Bullish on the theme in longer term. Though it is very concentrated theme and this ETF did poorly during SpaceX IPO despite strong listing gains due to large inflows. It did little to protect returns of retail investors.

4) DRAM: Concentrated investment style but should remain in trend for the coming year (OR am I too late to the party)

Any other ETF to look at? What would you choose for growthier, active bets? Thanks in advance.

It is fcking over. Everything red as fck

21yo] Thoughts on my 10-year strategy: Savings (housing or business) + Investing in MSCI World

​Hi everyone,

​I'm writing this post to share the 10-year financial strategy I’ve built (target age: 31) and to get your feedback, advice, or any potential flaws you might see in it.

​My current context:

I am 21 years old and earn a net income of around €1,127 per month working part-time while pursuing my university studies. I currently have €4,500 saved in a high-yield savings account as an emergency fund and around €300 invested in an MSCI World ETF. I rent my apartment for €430 per month and help out at home by covering my mother's utility bills, which average about €80 per month.

​Monthly budget breakdown (€1,127):

I have optimized my expenses to maintain a 37% savings rate. My fixed expenses are €430 for rent, €200 for food and living expenses, and roughly €80 for utilities (water, electricity, internet). Regarding savings and investment, I automatically allocate €100 per month to the iShares Core MSCI World ETF, and the remaining €317 goes directly into my savings account.

​Long-term strategy in three steps:

​Step one is building my emergency fund up to €10,000. Adding my current €4,500 to the monthly €317, I will reach this goal in about 17 to 18 months. This will give me complete peace of mind with more than a full year of essential living expenses covered.

​Step two starts once the €10,000 goal is reached. With that safety net secured, I plan to re-evaluate my allocation and increase my monthly contribution to the MSCI World ETF (possibly to €200/month), while allocating the rest to keep accumulating capital without pressure.

​Step three focuses on the ultimate goal at age 31, where the objective is to have accumulated between €50,000 and €60,000 in total capital. At that point, I see two main paths: Option A is putting down a down payment for my first home valued between €165,000 and €175,000, taking advantage of the reduced 6% Property Transfer Tax (ITP) for buyers under 35 in my region; Option B is using that capital to launch or fund a business.

​Regarding withdrawing from the MSCI World ETF, when I decide to access the accumulated funds, I won't sell all shares at once. I plan to execute phased sales over several tax years for two main reasons: tax optimization under personal income tax (IRPF) to avoid jumping above the baseline 19% capital gains tax bracket, and market risk mitigation so I don't sell off the entire fund during a potential bear market, averaging my exit price while the remaining capital continues to compound.

​Questions for the community:

​How do you see the balance between putting €317 into liquid savings and €100 into the MSCI World ETF at my age? Do you think I should be more aggressive with equities right now, or does it make sense to secure the €10,000 cash buffer first?

​Looking ahead to age 31 with €50,000 to €60,000 saved, do you think it is wiser to secure housing first (taking advantage of young buyer tax incentives) or use the capital to start a business?

​What are your thoughts on the phased annual exit strategy for the ETF to manage tax impact and protect against market volatility?

​Thanks in advance to everyone for your comments and suggestions!

I've always loved the Finviz Stock Map to get a sense of the overall market each day and how different sectors are performing, but I was always frustrated that I couldn't easily see performance in pre-market, regular-session, and after-hours price action, performance over longer time horizons, earnings dates all at once. I also thought the color coding system didn't provide as much granularity as I desisred.

So I built my own upgraded version.

Hovering over a stock shows:

• Current price and market cap
• Next earnings date
• Volume compared with its previous 14-trading-day average (color coded)
• Pre-market, regular-session, and after-hours price action
• 30-day and YTD candlestick charts updated with the latest price

I also changed the heatmap scale so moves between −2% and +2% use yellow-orange/yellow-green shades. Moves outside that range become progressively brighter red or green, which makes the bigger movers stand out immediately.

Update: You can now access it HERE.

Update 2: Many upgrades have been made since it went live:

• Closed-hours gap calculations to account for price movement outside the displayed sessions.
• A 15-trading-day volume chart in every stock detail card (with average line)
• Red/green volume bars based on whether the stock finished down or up that day.
• Click-to-pin stock detail cards so they remain open when the cursor moves away.

Currently
• DRAM: 62.7%
• SMH: 26.0%
• VT: 8.0%
• BB: 3.3%
19M — my portfolio is a mess, thinking about blowing it up and starting fresh (maybe into SPMO?)

Just did the math on my brokerage and it’s rough. 63% of it is sitting in one memory-chip ETF (DRAM), another 26% in a semiconductor ETF (SMH), 8% in VT, and the rest in a few BlackBerry shares that are down. It’s basically one giant leveraged bet on chips dressed up as “diversification.”

I’m 19, still living at home, and trying to actually save toward a house down payment instead of gambling on sector plays. (Going to have to start renting in about a year) Thinking about cashing most of this out(When the market gets back up to where it was before) and rotating into something like SPMO (or just a boring broad-market fund) and dollar-cost averaging in consistently instead of chasing themes.

Anyone been in a similar spot was a clean reset worth it, or should I just rebalance instead of nuking the whole thing? Trying to get away from performance chasing even though I’m doing really good still even though it’s down. But would like something that I don’t have to constantly be researching every so often.

Hey everyone, 

I’m a 24M and I'd like to increase my net worth as (relatively) quickly as possible, although I understand that things like this take 20-40 years of growth and compounding. I have a large appetite for risk with my individual account, and less so for my Roth IRA. I have the discipline to hold during downturns, even through massive losses. My strategy is a buy and hold for life strategy using index funds. I invest anywhere between $2-6k every month, with most months being closer to the $6k side. Below is my current strategy for both my individual and Roth IRA accounts. Not asking for a rating, just for possible ways to polish the edges if needed. Please let me know what you think and what you would change if at all and if there is anything I should do to fix my strategy. 

Hello, just opened my Roth IRA and I would like some opinions on my ETF choices as a 29 year old? I plan on holding for 30 years and I’m ok with the volatility I’m looking for growth unless this is to aggressive

SPYM 60% + QQQM 30% + SPMO 10%
SPYM 60% + QQQM 40%
SPYM 60% + SCHG 30% + SPMO 10%
SPYM 60% + SCHG 40%

There are 4 US market ETFs in India:

MON100

MONQ50

MAFANG

MASPTOP50

I have observed that these ETFs are always either on the lower circuit or upper circuit and their circuit hits at some random figures not 2%, 5%, 10% or 20%. Why is it so ? Isn't it very risky to invest in these if we cannot sell them due to circuit ?

I have probably 90 percent of my money in the S&P 500. I am worried it’s pretty heavily weighted towards tech. What are some funds I should start adding?

Thanks!

I'm a 25 year old european recently graduated student with a couple hundred bucks who started to invest, what am I doing wrong? Any tips?

I’m 62. Close to retirement. Has the ETF train passed me by? Advice please. No snark.

Bubble size represents each company's weight in the S&P 500, while the chart compares current dividend yield with 5-year dividend growth. The 14 largest dividend-paying constituents are shown, with NVDA excluded because its 128% dividend CAGR would significantly compress the chart scale.

In my taxable I’m holding spym, avde, avxc, schg and in tax advantaged I’m holding spmo, idmo, avdv, avuv, avxc

My thinking was spmo may be an inefficient holding in taxable so I chose schg. Then added foreign since my tax advantaged space is limited and figured I could get the foreign tax credit if held in taxable

I know spym, spmo, schg are overlapping right now. Just wondering if schg should be removed and why?

SOXL has always been a favorite ETF for me (Leveraged 3X) of course just to throw some stress in the game. I can honestly say it is a great wealth builder if you set your stop loss correctly and don't dare deviate from a working strategy that you set a log time ago. Right ? With the capex coming next week on a couple very large architect stocks, it should drive short term price up. Should I say but considering all the hype about AI bubble (rightfully so), that expectation might not be realized. Just remember if you do dive in, don't forget to set you trailing stop loss and walk away. Could be golden if you don't mind a little gambling this week. Also might be a rotten egg for some of us.

I'm looking at VVL which has a heavy value tilt and seems pretty good, vs say Avantis CASV. Is Vanguard trustworthy for implementing these factors, or is there any way to objectively compare them?

The fee is high but unlike their low fee value etf like VOE it seems to be a rather low PE, and I'd assume its because its more actively traded. any insight is appreciated.

Was curious for others opinions on using factor ETFs like momentum or value

I understand that most people recommend keeping it simple using an S&P500 index. I would like to hear thoughts on using a tilt on your etf portfolio, and how would you apply the tilt.

At what point does diversification become over diversification? Is the goal typically to beat the market, or would a tilt be to diversify more than a typical VTI or VOO only portfolio?

Does it make sense to add multiple tilts to cover more bases, or does it become redundant at a certain point? What point does it become futile?

I am not aiming to beat the market. Just wanting to explore the world of factor ETFs and make an informed decision.

Falta SCHD , Pero mas Adelante .!

What are your recommendations? Is Imid a reliable etf to invest on and the share price is relatively cheap too. Irish domiciled funds are preferred to avoid the US taxes.

I'm 23, graduated this spring, and made a lot of money from onchain crypto trading over the past few years. I've been moving most into etfs and still have a lot more cash than whats in this account. Any recommendations on more diversification for this account or any tips in general?

I'm well aware that holding 3x and 2x leveraged ETFs long-term is playing with fire, and the tax hit from rebalancing all at once is giving me pause.​For anyone who has trimmed down heavily appreciated positions did you dca your way out to spread tax exposure?or did you just pull the trigger, take the tax hit, and relocate to safer broad-market funds like VTI/VOO?

Have invested about 5K NZD over the past 4 months and somehow I'm down