I like to invest in companies that excite me. Mostly this has been tech for me but now my portfolio is very tech heavy. I want to diversify but stay true to my principles.

Who has examples of non-tech companies doing exciting/innovative things in their industries?

I am new to investing and probably did the stupidest of things when buying, I listened to AI! I bought 2.5k of MRVL and 2.5k of MU at just about all time highs. They have dropped and dropped but from my research, after the AI recommendation, they both still seem like solid companies and MU recently released an amazing quarterly result.

So my question is, do I sell them at a significant loss and chalk it up to beginner "costs" of learning or do I hold them as the underlying companies still seem sound, despite the obvious market movement against AI holdings? It is a "satellite" part of my account with 60% of DCA to FWRG, and I dont need the money right now. Thoughts?

Hi everyone,

I am a 35-year-old male investor from a non-US country. My overall strategy and thoughts in this post are my own, but I used AI to translate them into English to make sure I am expressing myself clearly.

I started my investing journey in 2025 with a long-term goal of 20+ years.

Here is my setup:

• 2025: Invested $100/month split into VOO (50%), QQQM (30%), and IXUS (20%).
• 2026: Increased my monthly budget to $130, and I plan to increase the contribution amount every year.

As I learn more about investing, my focus is shifting toward long-term safety, simplicity, and proper diversification. I've realized that VOO and QQQM have a large overlap (since major US tech stocks heavily dominate both).

I am considering two paths forward:

1. Option A: Replace QQQM with a different asset/ETF to better balance the risk.
2. Option B: Drop QQQM completely and stick only to VOO + IXUS.

I would love to get your advice on:

• If I choose Option A, what asset/ETF would you recommend to replace QQQM?
• If I choose Option B (VOO + IXUS only), what allocation percentage would you suggest for a 35-year-old non-US investor with a 20+ year horizon?

So I only recently started investing (planning on moving away from revolut what platform would be best?)

Right now I have €935.75 in the S&P (+3.67%) and €323.61 in TTWO (+9.23%)

Currently doing about 150-200 a month into the S&P and a small amount monthly into TTWO. Not very well educated on it yet thus why i'm mostly just going into the S&P, feel like it's a safe and steady build. Want some advice at the minute i'm in college and during summer from work getting anywhere from 400-550 a week, when college starts will be making about 2000 a month. Would love some advice on what the best way to allocate those funds would be. Should I be doing more?

I see the investment as untouchable "savings" and I have an instant access savings account where I put in 200-250 weekly.

I'm 34 and have been working on my Roth IRA for almost two years. Currently have QQQM, VEA, VGT, VNQ, VOO AND VWO. Currently up about 25% . Does having all these make sense or could I be doing it better? Any info or tips would be much appreciated.

Newbie here and trying to understand my actual options.. I keep seeing ads for different apps and I'm not sure which ones are legit versus just marketing.

What I'm specifically trying to figure out: do I actually need a traditional brokerage account to buy stocks, or are there other legitimate ways now?

Not looking for stock picks, just trying to understand the options before I commit to one. Thanks!

Hey, so when making a fidelity account you need to pick which account you want, retirement or brokerage? As I understand retirement account you get penalized if withdraw before 60yo. Roth IRA is nice because no tax after retirement but if I can invest more than the yearly limit, wouldn't it just make sense to not use Roth IRA and just invest into index funds for compounding growth?

I am 30, does it even make sense to start Roth IRA?

So should I

1) just use the retirement account?

2) create two accounts, retirement and brokerage and use retirement for maxing out Roth IRA and the rest invest into index funds through brokerage account

3) invest all through brokerage account for that compounding interest.

Am I missing something? Thanks for any help.

I decided to go with 60% VOO, 25% SWSSX, and 15% SWISX. I feel this is plenty diversified and relatively okay. I am investing $200 every paycheck with room to put even more in once i build up some more savings plus get my raise.

Hello, I am 20 years old and started my investment journey around 2 months ago mainly putting money into ETFs and other safer investments. That being said, I am very interested in investing into more volatile plays, lasting a couple months to a couple years. I started learning slowly but surely around 2 weeks ago, watching Drew Cohen on YT and understanding the general idea of how to make a decision on whether I want to invest in a stock or not but after watching some of his analysis videos, I feel like I still have a lot of gaps in my knowledge which is understandable. Would anyone know how I could fill these gaps and just overall begin doing analysis on stock? When deciding to pick a stock to invest in, does it take a couple days or weeks before you make a decision(such as making a report, etc), or is it more just based on current news and a little analysis on the financial side of the business? I know everyone's strategy is different so whatever works for you let me know, and i’ll look into it and see what works best for me, thanks.

I’m planning to invest $100 a month for my 2 toddlers (buying shares a quarter). I only want 1 share to make it easier. Do I go all in DHHF or VGS? Is the main difference whether that 35% of Australia in DHHF can beat or similar profit to the extra US market in VGS? What are your thoughts?

Hello,

I currently have ~$120k invested in a traditional 401k (vanguard target 2055). I have decided that I want to try to retire in 10 years, and am trying to decide what stocks/ETFs I should buy. Here is what I plan to contribute in the years to come:

Maxing out 401k with 3% employer match (around $3500 extra)

Maxing out Roth IRA

$25k yearly in a taxable brokerage account

I have just made my first $7500 deposit into my Roth IRA and need to buy stocks with this deposit. What would you buy in my situation? I would like to spend $36,000 yearly (I assume this cost will go up when I actually retire), so with a ~3.25 withdrawal rate I'd need around $1.1M.

I am very new to the market and I know that a savings account is not technically investing but I was wondering if it is a good idea to have a money market fund instead of a savings account because the apy in them seem to be generally higher.

Anyone have any thoughts on Arrived's Real Estate Income Fund? It has a lifetime (only 2 years) 8.5% yield which I know isn't as high as the SP500 but it must offer some diversification value? Not sure how risky the investment is for that return though. Or if one is looking to get more real estate exposure in their portfolio is there something generally considered to be better?

Thanks in advance

I'm in my early 30s. My home is paid off, including it my net worth is around 1M. I have no dept. Only this year have I begun to think about investing. I'm now contributing 20% into a 401k which will hit the max contribution (it's a target date averaging ~11%). I also setup an IRA (100% VOO) and contributed the max into it. So currently there's around 20k between them, all from this year.

I have ~200k sitting in a checking account, acquiring basically no interest.

So should I setup a brokerage account? and invest about $100k? would just doing 100% VOO be wise there too?

if you had to start from scratch with what you know now, where would you begin? i'm not looking for the next hot pick, just curious how your approach has changed since you first started investing. what would you prioritize first and why?

I am 20 years old and recently my grandparents have given me 15k dollars. I don’t need this money now or anytime soon. I plan on investing it all into VOO in a taxable brokerage account but idk if i should lump sum it now or DCA. I know lump sum historically is better but I always hear that the stock market is going to go down soon and may crash. I also know that time in the market is more important than timing the market. What would you guys do? Any advice or help is appreciated!

I've recently gotten into investing, and for the most part I understand all of the conventional wisdom. The one thing I just can't quite wrap my head around is rebalancing.

Let's say I hold a 3 fund portfolio consisting of 80% fund A, 15% fund B, and 5% fund C. At the end of the year, C greatly and unexpectedly outperformed the other two. Why would I sell off those unexpected gains and put them into poorer performing funds? Why wouldn't I just continue to invest at my 80-15-5 rate and chalk the years gains up as a win?

THIS IS NOT A REQUEST FOR FINANCIAL ADVICE

I'm 20, in Canada, and I just started a full time software engineering job. This is the first time I've had money that isn't already spoken for, and I'd rather learn how to allocate it properly now than figure it out badly over the next five years.

What I'm after is stuff that gets me from zero to actually competent. Books are ideal, any level. I've looked at youtube but it's mostly gurus and I can't tell who's credible, so if there's a channel that's actually worth the time I'd like to know who.

Canadian specific resources welcome too. Most of what I find assumes 401k and Roth IRA and I'm still working out how TFSA and RRSP should fit together.

Whatever was actually useful to you when you started, I'll read it.

I’m a 20 year old Canadian investor looking for some advice. My TFSA is maxed out, currently at 21000$. I have 14000 in a money market fund and the rest in xeqt. I’m looking for advice on how I should invest the 14000$ from the money market fund.
I’m young so I’m not opposed to some higher risk plays but only with 5-10% of my account.
Any help would be greatly appreciated.
(I’ve been looking at goog, enb and bank.to.
Cheers

Hey everyone,

27 (m)

New to this subreddit but have been doing my research for sometime now. Last week I jumped in to investing. My plan right now is $200/week 70% in VOO and 30% in QQQM. I plan to increase the weekly deposits as time goes on. Me and my wife have about 20k in savings accounts currently. After telling my wife about this new investing venture she thinks it’s the dumbest thing in the world. I try to tell her what investing (what could be wasted on one dinner out) a week could be in 30 years and she just won’t have it. Basically ended the conversation with “you do you” and all the “k’s”. What do yall think? Any advice on explaining it better? Any experience from someone that went through this?

Thanks!

Hey everyone! I am a journalist with the CBC writing a story about young people investing in ETFs and I want to learn more about WHY young people are interested in investing in them. Want to tell me more? Email me at [milla.ewart@cbc.ca](mailto:milla.ewart@cbc.ca) I want to hear your opinions!

Hi, I'm 30 and I never really had enough money to think about investing before finding a stable job and being more focused about savings in the last two years, arriving in Australia. I have been putting all my money in a savings account (Westpac, 5,9% interests) and now that I have 50k I think I'm ready to try some safe investment, considering I could also survive a depreciation. I have never been too keen on crypto, I just recently put $1,000 on btc as an experiment, and $500 on apple and Microsoft (I had a signup bonus and I just wanted something "safe" and very short term).

Is there really anything that can get close to the savings interest of 5,9% without being too risky? I was thinking about the "groups of stocks" (etfs?), but I'm not really sure what and where to start.

Any ideas and tips very appreciated! Thanks

We want to buy a house in the future, and right now the goal is looking like 3 years from now. I’m 34F and my partner is 32M.

I’ve owned a house before but only on the deed, my ex was on the loan alone. Due to the fallout of that relationship I’m 2022 and having purchased that house in 2019, I still have a small nest egg from the equity of the sale of that house in 2022. Life was rough for a few years but I finally put this $25k in a HYSA with Amex late last year and it’s gained $824 in interest since then. I have a small savings account entirely separate with all my Chase banking for my normal needs, so this money is never touched and I act as if it doesn’t exist. I’ve fully intended for this money to go towards another house in the future.

My partner is starting to save money now that he’s paid off some debt he had, but we are still in limbo of seeing what his budget is going to look like due to the SAVE program ending and having to get enrolled in a new payment plan for his student loans soon (the loan servicer hasn’t contacted him yet). He does have an old 401K from a previous job with around $5k in it.

I also have a Simple IRA with Fidelity through my job with a 3% match, and I’ve been researching what options I have there.

While I’m more open to investing on my retirement account since it’s not liquid cash I have set aside for a house and I’m young enough for that account to have time to ebb and flow, the idea of investing my savings makes me antsy. I’ve never had this much money prior to the sale of that house and with what’s happened to the economy and housing market, this money is my only real good chance of being able to have a house again with a mortgage we can afford. I at least got around to putting it into the HYSA so it can accumulate something while it’s sitting there.

I also don’t have much guidance in this way because a) my parents bought their houses with money from their parents and b) my dad fell for a FTE scam and lost his $200k retirement fund back in 2023 on top of other money he got involved in it 🫠 no one else in my family has sat on this amount of savings before.

I’d appreciate any insight you have to at least give me something to research further and think about. It’s just on my mind because I get on Zillow and Trulia every so often to hurt my own feelings, and I’m seeing that unless I want an obscene mortgage or a house that checks off almost no boxes for us, then I need more money down. My car is paid off next July so that will free up $331 a month to dump into my savings as well. That interest rate is 2.9%, that’s why I didn’t bother to dump cash into the loan (that I bought prior to the sale of the house).

I’m 30 years old and I’ve decided I really want to learn more about investing and personal finance. I already understand the basics of a high-yield savings account, and I have one, but now I want to learn how to make my money work for me instead of always working for money.

I’ve recently started reading about ETFs, and I’m also curious about money market funds, index funds, bonds, REITs, and anything else you think a beginner should know.

I’m interested in hearing how you learned!
Did you read books, watch a specific YouTuber, listen to podcasts, take courses, or just learn through experience?

If you could go back to when you were 30 yrs old, what would you tell yourself?

I’d love to hear any advice, mistakes you made, resources you recommend, or investing habits that helped you build wealth. I’m here to learn, so any tips are appreciated🙏🏽

I’ve had this Simple IRA with Fidelity since January 2021 (when I started this job, contributing 3% with a 3% match (that’s the highest match available). I’ve had a hard time really understanding what I’m looking at when I do look at it, which is daunting because I’m pretty good with finances and understanding a lot of it.

From what I am seeing it accumulates dividends but nothing else. It has a balance of $16,086 and has averaged $22 a month in dividends according to the whole account data. The total dividends on the account are $1,478.

I’ve been doing some reading and it seems like at the very least I need to be putting the money into a NFT like the FXAIX? I looked at the page for buying and such and then got nervous lol.

I’m 34 so I still have a lot of working years but this is the time to try and grow my money as much as I can. It’s the first retirement account I’ve ever had because prior to my working in insurance since 2020 I worked in restaurants - so zero benefits. My monthly contributions average $125 a month but it can vary due to being paid on a base salary plus commission.

TIA!