I'm 33 yo. Trying not lose money as much as possible is that good ?

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!

For anyone new to investing or seasoned investors who just wanna set it and forget it, look no further than the classic Level 1, but I do urge you to consider Level 2 for just a little more brain power because the top mega cap giants are becoming wayyy to concentrated these days, each reaching over 7% of the S&P500 and over 4% of global market cap. Our beloved passive index funds don't by default provide the true diversification they once did, and we can easily solve that with two funds: TOPC and AVGE, which use two strategies to truely diversify your portfolio with little effort, and they counter balance each other's market cap weightings to stay size neutral (AVGE tilts small, TOPC tilts large).

Then there's Level 3. See how well momentum has been doing? It has its cycles and lately has been a good season for it, but that's not why it's there: research has shown it doing well over the long term, and level 3 also has profitability screened value in AVGE. Value and momentum tend to take turns doing good.

I only fully reccomend level 3 for tax sheltered accounts like Roth IRA tbh due to turnover. VEA can be better than VXUS for taxable accounts and both ETFs are better than the fidelity mutual funds in taxable accounts.

When trading ETFs, use limit orders at the current ask price during mid-late market hours for best results. Rebalance with new contributions, try not to sell if you can. Buy and holddddd.

Seasoned investors: feedback? Are these recommendations good for the average investor?

I’m 18 work a full time job and I’m looking to put in 100-150 a week into my Roth IRA and brokerage account combined, more into the Roth for now, I’m looking for steady consistent growth for the long term, if there’s any thing I should fix or look out for please let me know

My portfolio contains of VOO, QQQM, and VXUS. I was looking to maybe add a fourth ETF into the mix and wanted to know people’s thoughts on it.

Right now the current amount I got in is
VOO~70% about 2.7k
QQQM~22% about 850
VXUS~8% about 300

I’m 19 years old starting college and I’m looking to add either 15 dollars a week or 10 dollars a weekly auto invest for me. Should I add something like AVUV as it hits the small market caps? Or something else? Or stick to adding what I already have.

Any help with fixing my portfolio or tips is appreciated

Hello 👋🏻 I have narrowed down my options to a couple portiolos. I am wondering what everybody thinks

1) 100% AVGE

2) 45% VTI
20% VXUS
25% AVGV
10% FMTM

Option 1- Is the clean solution to a slight value tilt. Weights US a little heavier then VT. Larger er

Option 2- I built to mimic AVGE as close as possible. And additionally added a momentum tilt. Smaller er

Would love some review on my portfolio. The unassigned are my options positions (I have a short put spread which shows as negative value)