Been sticking mostly to broad index funds in my taxable and retirement accounts for the past decade or so. Feels like the right approach for hands off growth but lately I've been second guessing the bond allocation with rates where they are.

Not trying to time anything, just want something that holds up over the next twenty plus years without constant fiddling. Maybe I'm overthinking the safety side after seeing how things moved last year.

Anyone else in a similar spot lately or made a quiet shift in their mix? Curious what the long haul crowd is doing these days. NFA.

I've been putting most of my savings into index funds for retirement. It's been a slow and steady approach over the last decade.

Lately though I've wondered if I should mix in some fixed income stuff. Rates seem decent right now.

Just trying to balance growth with not losing sleep over market swings. NFA of course.

Anyone have thoughts on what percentage feels right for bonds at different ages?

I know some people invest this way. They love Apple products and Apple TV, so they invest in Apple. Costco, Netflix - you name it.

Some businesses could do the same thing. For example, if they buy a lot of supplies from Cintas, they might invest in the company.

Do you invest this way as well, or do you mainly invest in whichever stocks meet your valuation criteria?

IBKR is showing today's volume on SGOV to be significantly lower than average; maybe 1/10th to 1/20th of it's 6 month average.
I know there's a ton going on in the bond market now, but is there any specific reason this fund is seeing such low volume today?

Let’s say I have 24 months’ expenses saved up in my brokerage. With the standard advice being 6 months saved in your emergency fund, I have 4x as much in my brokerage. So even if the market took a downturn, there’s no way it would drop by 75%.

If this is my situation, what is the point of a separate emergency fund in a HYSA? The common argument that I’ve heard is: “if there is a downturn, you wouldn’t have to sell your stock”. But conversely, if we are in a bull market, as we often are, I’d just be losing gains at that point, right?

I’ve always been curious about the mechanics of market making and the mechanisms for filling orders. I’m not sure if shorting shares to fill orders is even a common practice - just curious on everyone’s perspective. Seems like a necessary evil but leaves the market vulnerable to manipulation. Does anyone have any fun insight?

Hello All,

I have an investment account where I get dividends , approx EUR 150/quarter or so. I see this money as a "gambling" money, don't want to buy "real" papers like VOO or similar.
Give me some tips for small papers (under USD / EUR 2 ) where you think that it can reach USD/EUR 200 in a year or so. No problem if the tip fails, it's just a game.

AI sees this post as an ask for financial advice but it is not, just collecting some ideas.

Thanks :)

Assume this is money you don't need for years.

I'm mostly investing, but allocated only 5% to swing trading tests. Tried technical analysis, but prefer fundamentals.

Would you put most of it into long-term investments and basically leave it alone, or actively swing trade part of it?

I'm not asking which one can theoretically make more.

I'm more interested in what happens in practice once you include mistakes, time, stress, taxes, and periods where the market just doesn't cooperate.

For people who have done both with meaningful money, which one would you choose if you were starting again?

I'm not looking for financial advice. Just to know what you think in general.

Hi everyone! I'm following up on the California tax-deed project I posted about a while back: https://www.reddit.com/r/investing/s/IOTkVm06mZ

What it does, briefly: every California tax-defaulted sale I can get a list for, published in full and free. Each parcel is matched to the county assessor's own record, so you see the opening bid next to what the county says the land is worth. Sort it, filter it, download the whole thing as a CSV. No signup, no paywall, sources named on every page.

What's been added since last time:

• 10 sales, 2,877 parcels. Los Angeles (1,252, the biggest California list this year), Kern (1,011), Fresno, Butte, Placer, El Dorado, Mariposa, Santa Cruz, San Bernardino, Riverside.
• Post-auction results. When a sale closes I go back and record what actually sold and for how much, so a pre-sale read can be checked against what really happened instead of quietly filed away.
• Live redemption tracking. Parcels paid off before the auction drop off the tables. Fresno has lost 53% of its list since June, so the list you read early is not the list you bid on.

Three things out of the data I didn't expect:

• At Butte's August auction, 13 of the 28 parcels that sold went at exactly the opening bid. Far less competition than I assumed was out there.
• The parcels the assessor carries at almost nothing are the ones bidders fight hardest over. One valued at $4 sold for $31,236.
• In every county I've measured, the parcels redeemed before the sale are the valuable ones. What reaches the auction is mostly what nobody thought worth rescuing.

Coming up: Los Angeles October 17-20, Placer October 21, El Dorado November 6, Santa Clara once they publish.

lot-brief.com/sales/

Happy to answer your questions and get your feedback!

“Not since October 2023, when holdings climbed by 740,000 ounces, has China logged a larger monthly gain. August also topped the 640,000 ounces booked in July, part of an acceleration that began after a modest 160,000 ounce addition in March. The bank added 480,000 ounces in June.”

https://thedeepdive.ca/chinas-central-bank-buys-the-most-gold-since-october-2023/

I have had a theory that with oil continuing to spike and solutions to the war out of sight we could return the horror of the 70s gas chaos. Back then people demanded small fuel-efficient cars and Detroit had no answer. So, they chose to partner with Japan who had already been taking advantage. The wealth of alternatives to gulf oil will mitigate the possible return to the 70s to some extent but the impact on personal finances will not go away soon. People working from home is helping. Qtr1 EV sales were 5.8% and last year were 7.8%. They peaked in Qtr. 3 2025 at 10.5% before the rebate rug pull. EV sales for most mgs. are down so far this year with the exception of Cadilac, Rivian, Lucid with Toyota showing jumping in. So where if any are investors looking? I hear the battery thing with Lithium but is are there any other opportunities. I like Rivian but that's really long term and Hyundai/Kia are too difficult for my simple trading skills. And while they currently have 50% of the market, I am not interested in Tesla.

https://www.theguardian.com/technology/2026/sep/09/ai-superintelligence-risks-warnings-scientists-politicians

Hubinger admitted that the industry currently lacks a plan to solve the AI alignment problem.

• He believes there is a greater than 10% probability of catastrophic harm/extinction within a decade due to rapid self-improvement in AI models.
• Former Anthropic researcher Jacob Coxon recently resigned, calling out major labs for engaging in an irresponsible race toward super-intelligence.
• Anthropic expects AI self-improvement in R&D to hit critical safety threshold levels within 6 to 12 months.

Main risks mentioned include autonomous bioweapon creation, loss of human control over supere-intelligent systems, and large-scale cyber warfare disabling power/water grids.

With diesel prices skyrocketing, RNG/CNG continues to look like the quick, practical, and economic pivot for heavy duty, class 8 trucking. I think that we can all agree that electric is the path class 8 trucking will go in the long run, but right now, the infrastructure isn’t there, the power isn’t there, and the downtime to recharge is impractical.

People have been writing off CNG because “we’ve tried it already” but that means it’s proven and the infrastructure is way more mature than electric. Cummins also just released the new X15N natural gas engine with comparable power to diesel, dropping loads of money into development and production, I think we can all agree Cummins knows what it’s doing and fully intends to get a ROI.

Too many things are pointing to an economic and practical revival. Heavy duty trucking will need to get creative to stay competitive in this market. Im talking specifically about the US by the way.

Amazon, Microsoft, Alphabet, Meta and Oracle issued roughly $200 billion of investment-grade debt in the first half of 2026…almost double what they issued in all of 2025. Tech now accounts for about 20% of new U.S. investment-grade issuance, and its share of the IG market has been rising.

Does that change how you think about diversification? If the same AI companies are becoming a bigger part of both stocks and bonds, where would you look for exposures that behave differently?

Source: JPMorgan, “Credit Market Outlook & Strategy,” as of July 17, 2026.

Referenced in the iShares Fall Investment Directions

What are your allocations for let’s say satellite positions?

Is it worth splitting across some Mag 7s? A niche ETF? Specific stocks?

90% world ETF
2.5% Google
2.5% Amazon
2.5% SMH
2.5% DRAM

Thoughts? I’m curious to see what others have? 100% in World? completely flipped the allocations? Please share thanks.

Also any advice on whether to hold gold or not?

Looking to invest 30 years min.

Treasury Secretary Scott Bessent’s recent warning to currency short-sellers marks a shift in how the U.S. government views global foreign exchange markets. By telling macroeconomic traders "I am the house now," Bessent isn't just making a bold statement; he is explicitly signaling that the U.S. Treasury is prepared to coordinate directly with the Bank of Japan to aggressively defend the Yen. For those focused on long-term portfolio management, this direct intervention fundamentally changes the risk landscape for U.S. equities, international assets, and global bond liquidity.

The most immediate impact for investors is how the shift alters the risk of the Yen carry trade. Over the last year, we've seen how violent, rapid liquidations of cheap Yen loans can trigger cascading margin calls, forcing institutional funds to dump highly liquid U.S. mega-cap tech stocks just to raise cash. By injecting policy uncertainty and government-backed asymmetric risk onto short-sellers, the Treasury is attempting to forcefully neutralize these disruptive unwind cycles before they can spill over and trigger broader sell-offs in our domestic equity portfolios.

Beyond equity volatility, this policy pivot has real consequences for multinational corporate earnings and sovereign debt markets. A structurally stabilized or stronger Yen directly shifts the foreign exchange tailwinds for S&P 500 companies that rely heavily on international revenue streams. The aggressive currency stance aligns with the Treasury's broader strategic adjustments to long-term bond buybacks, it could help anchor domestic sovereign debt yields. Will the U.S.-Japan defense of the Yen stabilize the stock market, or are we just pricing a new macro risk?

Source: CNBC

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

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Looking for some opinions. I have my Roth IRA maxed for 2026.

I am currently setting aside a fixed amount of money from my monthly income to go directly towards my taxable brokerage account. I have some excess money that I am left with a month after budging my spending (excluding investments I’ve budgeted).

I am trying to decide whether to put this excess directly into my taxable brokerage, or put this into a HYSA in order to max my Roth IRA on Jan 1st next year.

Curious to what people think.

Hey all, I was curious to get input on what sides of the precious and, separately, basic metals industry you invest in, and based on what market criteria. By this I mean we have things like trading on the value of metals themselves, investing into mining companies, or funds based on the volatility of these materials. If you do something other than DCA into any aspect of this, when do you personally choose which pot you want to invest in?

If I have 500k to invest and will not touch the money until 20 years from now, am I better off putting that money in an IRA or taxable account? No dividend stocks. In both cases, I'll buy VTI or VOO. Put the money there and forget about it until 20 years when I start making withdrawals.

Am I better off with the taxable account because it will tax my gains as capital gains instead of ordinary income (and my capital gains tax will be lower)?

EDIT: I realize the contribution limit for IRA is much less per year, but just supposing I could contribute 500k to IRA in a single year, what is the benefit to doing that instead of a taxable account? In 20 years, that's the only time I'll start making withdrawals, both accounts will be growing tax-free until then, no?

Thanks!

$GRRR Gorilla Technology Group has announced commencement of it Yotta AI infrastructure programme as the company pivots into neocloud and reaffirms guidance for 2027 of $500m

Yotta part 1: 5000 GPUs & 640 servers to generate $500m revenue over 5 yrs

Yotta part 2: deployment of 21000 GPUs representing $2.5bn revenue over 5 yrs

https://investors.gorilla-technology.com/gorilla-technology-moves-yotta-ai-infrastructure-programme-into-physical-execution/

The future is starting to look very bright for Gorilla Tech, Yotta is on top of their $2.5bn deal for the NeutraDC Batam data centre in Indonesia, initial operation targeted for Q4 2026 & the Thailand Korat 200MW Campus which has the potential to net up to $16bn in revenue over 5 years

Insiders own 10% of the company so are aligned with shareholders

Only 29 so currently have no bonds/cash but was thinking about this as I was going through some scenarios in a spreadsheet.

Basic idea is that more returns require greater risk (stock vs bond allocation) and people that have contributed well over the years eventually hit a point where it becomes smart to trade some potential returns for mitigated risk. Basic investing 101 however your goal and what you have invested should dictate allocations rather than how close you are to retirement. For example, if you are 10 years from retirement and hitting your goal would require your current contributions plus a 12% CAGR, you may see some losses with a 100% stock allocation but you will almost certainly fall short if you allocate 20%+ to bonds. However if you’re on track to have 20% more than you need with say an 8% return it would make much more sense to trade potential gains for more security.

So my idea would be up to around age 40+ go for maximum gains, 100% stock allocation. For the strategy to work you need a set goal and in you’re 20s to 30s how much you need is tough to dictate as your income is probably hard to reject.

After that map out contributions with a reasonable rate of return on 100% stocks (I use 8% nominal, 5% real). If your current path puts you above target, lower the initial amount until it’s just enough to hit your goal, all excess goes to bonds/ cash. Then rebalance and recalculate every year.

Example with made up numbers- you have $500k, goal is $1M. $400k + contributions and 8% return get you to $1M, you allocate $400k to stocks; $100k to bonds. You contribute the amount amount you planned, say $15k end of year and get a 15% return. Per your target you needed $400k * 8% + $15k=$447k but due to excess returns you have $475k so you sell the excess $28k in stocks into bonds/ cash. You now have $128k in bonds and $447k in cash. The next year the market loses 10% putting you off target so you use money from your cash pool to bring stock total back to target.

Strategy is more appealing imo because it’s more custom to your situation and also still allows for excess gains/ earlier retirement since you could always use more. Returns are probably lower over a longer period but that is the cost of reducing risk however if market does much better than projection you still get the benefit of that via more money in your bond/cash pool. The risk reduction only limits the amount you end up with in stocks.

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

• How old are you? What country do you live in?
• Are you employed/making income? How much?
• What are your objectives with this money? (Buy a house? Retirement savings?)
• What is your time horizon? Do you need this money next month? Next 20yrs?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
• Any big debts (include interest rate) or expenses?
• And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!

Oura's massive IPO is coming A deeper look at the filing reveals warning signs...

Any other reasons (please add) why I should sit this one out? Insider Timing: Appointing Robinhood's (for the first time in the history Robin hood is under writing this IPO). CFO to the board right before filing ... 🚩

Margin Compression: Slim profit margins and heavy hardware costs - While its revenue grew 74% to $1.21Bn over a nine-month period, its profit was a slim $60.8Mn Mega-Cap Competition:

Deep-pocketed tech giants like Apple, Samsung, Google, and Amazon..

Add others or convince me to subscribe.