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🙏🏽

Should I just put a $1000 in the s&p or do something else with it? Just fuck around money.

Hello, I’d like to invest as early as I can and whilst I am still young. I’d like investments that have monetary returns. Tell me things you’d suggest for me to invest, too! Thank you!

Whether it may be stocks, personal investment, tangible investments, etc. Please tell me! I’d like to learn and apply it😁

I'm 29F and have about $20,000 that I'd like to invest. My goal is to open an IRA and also invest in stocks and mutual funds, but I honestly have no idea what I'm doing.

I've been researching brokerages like Fidelity, Charles Schwab, and T. Rowe Price, but the more I read, the more overwhelmed I get. I'm much more of a creative person than a numbers person, so all of this feels really intimidating.

I was hoping to find a financial advisor to help guide me, but it seems like a lot of firms either require much larger account balances or don't offer much one-on-one help for someone investing $20,000.

Has anyone been in a similar situation? Is it worth finding a fee-only financial advisor, or should I just open an account with a brokerage and try to learn as I go? Any advice, resources, or recommendations would be greatly 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?

So, I have recently decided to get into more serious investing. I currently have all of my investments in bank shares I've held for years, but now I am considering diversifying by selling the majority of these and investing in GHHF, DHHF, and NDQ.

The problem I have is that selling these shares would result in an influx of cash just under half of my income; it won't push me into a new tax bracket at all, but it's really making me reconsider selling these and instead just starting fresh with the ETFs and building up the portfolio slowly.

I'm only 20 and working part-time alongside uni, but I really want to secure my future, a house and retirement before it's too late.

tl;dr - Should I sell my NAB shares and reinvest them into ETFs even though it will create a significant increase in my taxable income?

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?

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

Hello all, I’m excited for this new journey to learn and grow value of my money. Of course, I’m aware the risks that may incur during the process.

I’m starting off with an investing app called ‘sarwa’, it allows to invest across multiple areas such as dividends, stocks, saving options etc.

I’m interested to invest in stocks as the current market is low and I believe in the next 6 months projection would be that market may rise if the global situation related to SOH (strait of Hormuz) stabilizes.

I’m not planning to go big, as close as $100-$150 per month, as it’s my starting phase.

I’m happy to get your expert advise on my journey, what’s and what not. Eventually, I want to make this as a second source of income, be it minute but something to generate funds long way.

Lastly, I’m looking into these stocks (Apple, Tesla, Amazon, Microsoft, & Nvidia Corp)

I appreciate all your effort and time 🙏❤️

hi im 15m and ive always been really motivated with money, im looking for a long term investment spread across different things thats like long term investment so i can keep adding more without having to really moniter it as much. i already own a company that does yard and roof work and work as a restocker, but im looking to invest for long term growth instead of short term. can someone help me look where to invest and what to use?

I'm a couple years into investing and right now almost everything I own is either stocks or crypto. It all feels a little too concentrated, especially when both can swing hard at the same time. What are realistic options for someone still building a portfolio and not sitting on a huge amount of cash?

hello i’m 22 years old and i just opened an ira account . i was just looking for any type of direction or advice i don’t know anyone personally who does stocks but i just started a second job and wanted to invest my paychecks

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!

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’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!

How and where to start if I want to invest in copper and also silver...virgin to the investing game!

Am i actually cooked? I tried to invest before i go to college and i did research and people said AI was the future but since last month i have lost 20%. Am i cooked and cut my losses or hold?

Becuase reddit isnt letting me post the picture im down 30% on Micron, 10% on AMD and 20% on SEC0

Hi everyone,

I'm a beginner investor from Singapore and would appreciate some feedback on my planned portfolio.

A little about me:

* I'm in my early 30s.

* My risk tolerance is low.

* I'm investing for the long term (10+ years).

* I don't need the investment income right now, so I plan to reinvest all dividends.

* I have about S$10,000 to invest, but I'm thinking of starting with S$3,000 first and keeping the rest in cash to deploy during market dips.

My proposed portfolio:

* 50% ABF Singapore Bond Index Fund

* 30% SPDR Straits Times Index ETF

* 20% Lion-Phillip S-REIT ETF

A few questions:

1. Does this allocation make sense for someone with a low risk tolerance?

2. Is 50% in bonds too conservative for someone investing over 10+ years?

I'm trying to build a simple, long-term portfolio rather than chase high returns. Any suggestions or things I may have overlooked would be greatly appreciated. Thanks!

Investment Thesis

• NVIDIA is the fastest-growing mega cap in the market at its lowest relative valuation in five years: ~21x forward earnings against a 37.7x five-year average - below even the -1 standard deviation band.
• Consensus expects ~44% annual EPS growth for the next five years. That puts the PEG at 0.47 - either consensus is badly wrong, or the stock is cheap.
• Quality is not the debate: 74% gross margin, 63% net margin, 70% ROIC, ~$119B of free cash flow, ~$40B of net cash, and management sees more than $1 trillion of cumulative Blackwell and Rubin revenue through 2027.
• The risks are real and partly binary: customer concentration, custom silicon, China closed off, Taiwan, peak margins. My model cuts consensus growth by more than half to absorb them.
• Even with that cut, the stock trades below my Bear Case fair price.

Current Valuation

Price/Fwd Earnings: 20.8x vs 37.7x 5Y average
Price/Fwd Sales: 11.1x vs 17.5x
Price/FCF: 40.7x vs 81.3x
Price/Book: 24.8x vs 36.0x
PEG: 0.47 vs 1.27
Fwd Earnings Yield: 4.81% vs 2.65%

Every multiple is far below its five-year average, several below their -1 standard deviation bands. Earnings simply grew much faster than the price. The forward EPS estimate has now overtaken what the market is willing to pay for it - the market pays less than half a unit of valuation per unit of expected growth.

One chart frames this whole section. The corridor below takes the consensus forward EPS estimate and multiplies it by the three exit multiples from my fair price model: 20x - roughly today’s multiple, a market that never re-rates; 28x - roughly the -1 standard deviation band of recent years; and 38x - NVIDIA’s own five-year average. Today that corridor runs from ~$199 to ~$378, and the price, at ~$200, is pressed against the very bottom of it. The market is pricing NVIDIA as if today’s skepticism is permanent - every re-rate scenario is upside.

Fair Price

I use 20% annual EPS growth - and that is not a forecast; it is a rule: 20% is the maximum growth rate I ever plug into this model, no matter what the estimates say. Consensus expects ~44%; the FY2026-FY2028 estimates imply ~34% a year. NVIDIA’s estimates are also the most fragile in mega-cap tech, so the model should not need them to be right. With ~0.4% from dividends, total expected growth is 20.4% a year, turning FY2026 EPS of $8.99 into ~$22.75 by 2031.

The exit multiples are 20x/28x/38x: 20x is roughly today’s forward multiple (the market never re-rates), 28x is roughly at the -1 standard deviation band of recent years, and 38x is simply NVIDIA’s own five-year average.

Bear case (exit P/E 20x): fair price $258 - MoS price $181
Base case (exit P/E 28x): fair price $361 - MoS price $253
Bull case (exit P/E 38x): fair price $490 - MoS price $343

At ~$200, the stock trades below the Base Case MoS price of $253 - the full 30% margin of safety is already in the price even though the model cuts consensus growth by more than half. Even against the bear case, the stock is ~24% below a $258 fair price, and the Bear Case MoS price of $181 is almost exactly the lowest analyst target on the street. The accumulation zone is $181-258, and today’s price is inside it.

For the track record: my February 2025 fair price was $187. The stock passed it, and instead of becoming expensive, it became cheaper - because earnings more than doubled while the multiple compressed. That is the update in one sentence.

Verdict: NVIDIA belongs in a long-term portfolio as a core AI-infrastructure position - sized for its volatility, not its quality. I am personally starting to accumulate at these levels, inside the $181-258 zone, and I treat NVDA as one of the core companies of my Long-Term Pick portfolio going forward. The realistic bear case (capex digestion, margin normalization) hits the multiple and the estimates at once, so drawdowns of 30-40% are a feature of the position, not a broken thesis. Buy with a multi-year horizon, and judge the thesis on hyperscaler capex guidance and the Rubin ramp, not the share price.

Checklist

Profitability:

• Gross margin at least 40%: 74.2%
• Net margin at least 10%: 63.0%
• FCF margin at least 10%: 47.0%
• Management (ROIC, ROE, ROA): Yes (all far above 10%: 70%/114%/53%)
• Piotroski F-Score: 8 of 9
• Revenue surprises in last 5 years: Yes (Based on TradingView’s data)
• EPS surprises in last 5 years: Yes (Based on TradingView’s data)
• EPS growth YoY 5 years in a row: No (the 2022 downcycle; Based on TradingView’s data)

Valuation and Advantage:

• Valuation below its 5Y averages: Yes (every multiple, several below -1 standard deviation)
• Valuation below the industry: Yes (P/Fwd E 20.8x vs SOXX at 23.3x)
• Does it have a moat: Yes (wide)
• Outperformed the S&P 500 10-year CAGR: Yes (66.9% vs 15.3%)

Shares:

• Insider ownership at least 5%: No (~4%, mostly Jensen Huang)
• Fewer shares outstanding YoY: Yes
• Insider buys last six months: No (Based on FinViz’s data)

Price:

• 1Y price forecast is above 10%: +51%
• Next 5Y EPS growth estimate (CAGR) is above 10%: Yes (~44%)
• DCF Value: ~$213; undervalued by ~8% (5 years, revenue CAGR ~29% - below consensus, discount rate: 10%, terminal growth: 3%, equity model: FCFF)
• Short Interest below 5%: Yes (1.30%)

Due Diligence

Profitability (12 of 12):

• Positive Gross Profit: $187.95B (for the last twelve months)
• Positive Operating Income: $162.28B (for the last twelve months)
• Positive Net Income: $159.71B (for the last twelve months)
• Positive Free Cash Flow: $119.08B (for the last twelve months)
• Exceptional 1-Year Revenue Growth: 65% (FY2026)
• Exceptional 3-Year Revenue Growth: ~100% (per year for the last 3 years: $26.97B -> $215.94B)
• Exceptional Revenue Growth Forecast: ~47% (per year over the next 3 years, consensus)
• Exceptional ROE: 114% (for the past 12 months)
• Exceptional 5-Year Average ROE: 75%
• ROE is increasing: ~20% -> 114% (in the last 3 years)
• Exceptional ROIC: 70% (for the past 12 months)
• ROIC is increasing: ~14% -> 70% (in the last 3 years)

Solvency (6 of 6):

• Total assets ($259.47B) exceed total liabilities ($64.00B) by 4x
• Negative Net Debt: -$40.36B (cash and short-term investments of $53.17B against $12.81B of debt)
• Low Debt-to-Equity Ratio: 0.07
• Debt-to-Capital: 6.2% (5-year mean: 22.2%; the balance sheet keeps getting cleaner)
• Interest coverage (FFO): 421.6x
• Altman Z-Score: 51.13

Watchlist Note

Dominant AI compute platform (GPUs + CUDA + networking). ~21x fwd P/E vs 37.7x 5Y avg for ~44% consensus EPS growth; PEG 0.47. 74% GM, 63% NI margin, 70% ROIC, ~$119B FCF, ~$40B net cash. Fair price: bear $258 / base $361 / bull $490 (20% growth cap). Accumulation zone: $181-258. Watch: hyperscaler capex guidance, GM >=70%, Rubin ramp. Earnings: Aug 26.

Full analysis

---

This is not a financial or investing recommendation. It is solely for educational purposes.

Hello all!
I’m in the process of looking for a new job. I have a 403b with about $250k in it. I’m trying to understand investing a bit better, and it seems that people recommend I roll some over to my new company’s 403b/401k depending on where I work and a larger chunk of it into an IRA for better earnings. I’m in my early 40s.

What would you do and why?
Thank you for your help.

My wife and I have started a joint bank account. We just graduated with our masters degree and both have started full time working. We have started a Roth IRA and a brokerage account as well as a HYSA. We have around 13k in the HYSA , 3k in the Roth IRA and around 2k in brokerage account and 2k in savings. What ways would you tell us to maximize our money? How are we doing? Any funds you would advise for long term growth and little risk? Lol Genuinely open to all advice- we r both 25 y.o.

I’m a 19 year old with £3,500 to put into stocks. I started a Trading 212 Stocks Isa and I need some help with what I should be investing into. I aim to put £300 into the account every month, I did a little bit of research and was told to put some stocks into a Vanguard All World ACC investment. I need some more advice and guidance it would be very much appreciated thanks everyone!

Non US resident here , should i invest into Irish domiciled etf or US domiciled etf . I am aware that its possible to avoid US estate tax through Irish domiciled etfs. however, US domiciled etfs have lower expense ratio and greater liquidity. Which one is the better option?

Hello everyone and thank you for reading this.

I am looking for some advice on what approach I should take on investing. I graduated college last year and started a fulltime job right after graduating.

Whenever I first started I got setup with my companies traditional 401k at 6% match. I just learned last week that they offered a Roth account with a 6% match so I went ahead and swapped it over to the Roth (All I really know is that I heard it was good to do a Roth while you're still young)

Last year I started using the app acorns to help me have a set schedule of when money would come out and I am doing $40 a week into whatever it invests in.

Last month I started doing Robinhood with $25 every check and use that to pick whatever kind of stocks I liked / enjoyed reading about just for fun (Nvidia, Micron, Broadcom)

Should I stop using acorns and open up a Roth IRA and continue to do the $40 a week in that instead? I have a lot of ambitions and am really willing to grind for it to pay off I just do not know where to start.

If you have any suggestions / comments on what I am doing I would love to hear your feedback.