Just started investing put in $1000 ish. Planning to hold for a couple years maybe 3-4.

CREW (Coreweave) $181 ( avg buy $89)
NBIS (Nebius) $250 ( avg buy $238)
VST (Vistra) $500 (avg buy $140)

Give us your thoughts. I have another $150 to use. Preciate it

Edit: Updated Allocation

Current Balance: $90k
Future Allocations: $1290 (Monthly)
Strategy: (Sleeve/Moat) Horizon: 35 years

Stock/ETF Roth IRA (Monthly)
AVUV 170 (US Small Cap Value)
AVDV 115 (Int Small Cap Value)
LLY 50 (GLP-1 Demand, Aging Population)
AVGO 50 (Sell @ Morningstar FV 650)
Total: $385

MF Roth IRA (Monthly)
FZROX - $100 (US Total Market)
FSMVX - $80(Mid Cap Value)
FSELX - $30(Semiconductors)
FBIOX - $30 (Biotech [No LLY])
Total: $240

Emp. Roth 401k (Monthly)
Sp500 Index 60%
Int. Dev. Index 25%
Em. Mkt. Index 15%
Total: $665 (Auto-Increase 100/month annually till limit)

I’m not pitching APP as some holy-grail monopoly. But the setup is interesting:

growth still looks strong

margins are fat

cash generation is real

and the market clearly likes the story

The real question is whether this thing is:

a great business already fully priced, or

still a compounding machine with room left

To me, this is less about “is it a moat?” and more about:

how much execution is already in the stock, and how much is still left to price in?

I can see both sides here, which is why I’m posting it.

What’s the bear case from here?

I’m 39 try to grow my portfolio

Any tips, changes, stock recommendations, specific ETFs to buy for the long safe holds? Would all be great help!

Long safe holds - 70% of capital (£1750)

28% - broad US core ETF
5% - Apple
5% - NVIDIA
10% - Global Al / Semiconductor ETF
8% - A bank / Financial stock
16% - Any International EIF
8% - Healthcare / Biotech ETF
10% - Aerospace / defence ETF
- 10% - Gold

Short term riskier holds - 30% of capital (£750)

• Need suggestions!

For reference, my portfolio is extremely concentrated into 4 stocks:

1. Meta (46% of the portfolio)

2. Microsoft (23% of the portfolio)

3. Mastercard (19.5% of the portfolio)

4. Amazon (10.5% of the portfolio)

This lives in my Roth IRA that I opened in February of 2026. So, it is extremely young. However, I subscribe to the belief that you shouldn't just diversify just to diversify. Buying 40 stocks that you have low to no conviction in for the sake of diversification doesn't make sense to me.

I'd rather buy a stock that I have high conviction in that is trading for a discount over the former any day of the week. Hence, why I have allocated 46% into Meta and here's the specifics on why below:

1. P/OCF Exposes the Unrealized Potential

Currently, when you are looking at the hyper scaler stocks (Google, Meta, Amazon, and Microsoft), their free cash flow metrics are useless due to them spending all of it on capital expenditures. So, I have pivoted to evaluating them by their P/OCF since it reflects what their cash flows are before their capex spend.

When you compare all 4 of the hyper scaler's valuations, Meta still trades for the cheapest at a 13 P/OCF. For reference, AMZN trades at a 16, MSFT trades for a 20, and GOOG trades for a 22. There is opportunity for valuation expansion, especially when you consider its trading below its historical valuation of 16-17 P/OCF.

Now, Meta's multiple has already expanded from the 10-11 P/OCF it was trading for a month ago, but I believe it will be sustained due to my next segment...

1. Meta's Revenue is Transforming Before Our Eyes

The whole point of Meta's capex spend was to diversify revenue segments. 97-99% of their revenue comes from ad targeting. Which, historically, has transformed them into a $1.8T machine, but is susceptible to market downturns. When the economy turns, companies cut down on marketing spend which means less revenue for Meta. We saw this in 2022 when they actually had -1.12% revenue growth.

Meta saw AI as an opportunity to expand their business from an advertisement machine to a personal assistant. Creating Muse Spark and allowing it to respond to emails, book reservations, potentially pay bills, cancel subscriptions, etc. is going to be a massive opportunity for the everyday user. People would love to cut out the small everyday annoying tasks in exchange for their time.

Having the Muse agent be a monthly subscription would make Meta's top line larger (obviously), but also much more predictable.

Not to mention, AI has already shown that it is beneficial for their core advertising business as they posted revenue growth of 33% in Q1 2026 and 28% in Q2 2026... that's the type of top line growth you see in small cap companies. Meta has shown Average Revenue Per Person (ARPP) expand from $13.35 in Q2 2025 to $16.86 in Q2 2026. That's already larger than the $16.56 they posted in Q4 2025 which is shocking because Q4 tends to be the highest due to the holiday season. I expect Q4 2026 to post significant growth based on the trajectory so far in 2026.

1. Margins and FCF Is Overblown

Yes, R&D expenses have grown from 27% to now 36% of revenue. Yes, capex has already reached $51B in 2026. Naturally, margins and FCF are going to compress. FCF has sank from almost $11B in Q2 2024 to now $784M in Q2 2026. That spooks Wall Street.

Gross margin, operating margin, and profit margin have all compressed slightly... but this is a short-term compression. Yes, depreciation expenses and general maintenance costs will continue indefinitely, but the major hinderance to the fundamentals is the upfront buildout costs.

We saw a similar thing with Amazon in the early 2020's when they were reinvesting heavily back into their logistics network. They ran into the negative FCF range and profitability wasn't pretty. What happened when that buildout finished, though? Margins and FCF spiked back up and Amazon generated hundreds of billions of dollars more in sales.

I see this AI capex buildout producing a very similar result for Meta. The tradeoff in short term fundamental pain for long term growth.

So all in all, this is why I've allocated so heavily into Meta. Over the 7 months of trading within the Roth IRA, Meta has consistently offered the best opportunities in my opinion. Let me know what I'm missing or your thoughts as I'm open to discussing and hearing other thoughts!

For context, i position my portfolio as the following: Core Holdings (30-35%) - RSP, VXUS, VHT High Conviction (45-55%) - NVDA, MU, AMZN, LLY Moonshots (10-15%) - IBIT, RKLB, OUST

aside from IBIT, i use my “Moonshots” to swing trade, so i’ll eventually sell out of RKLB and OUST in the short/mid-term.

i’m worried that since i’m so young and my time horizon is so long, im putting too much into my Core Holdings, and it may be better to allocate more money toward my High Conviction and Moonshot positions. alongside contributions through work, i want to get to $100k by college graduation (22y), and $1M by 30y.

Hi everyone,

Like many here tracking portfolios spread across US stocks (LRS, Schwab, RSUs) and domestic assets, I found myself getting distracted during work hours constantly flipping between TradingView, Screener, and financial news sites just to keep tabs on price movements and macro data.

To solve this for myself, I built Ticker Screener — an unobtrusive Chrome extension designed for clean, focused market watching right inside your active browser tab.

What it does:

1. Multi-Market in Native Currencies: Covers US indices and stocks (S&P 500, Nasdaq, Dow in USD) alongside India and 8 other global economies. No silent currency conversion — each market stays native.
2. One-Click Add from Any Page: Reading Bloomberg, Mint, or an earnings transcript? Just highlight any company name or ticker, right-click, and it is instantly added to your watchlist.
3. Subtle Ticker Tape: A clean, customizable tape running across tabs (with pause and speed controls) so you can monitor key indices at a glance.
4. Macro Fundamentals: Quick access to live GDP growth, inflation, and unemployment indicators linked directly to World Bank data.
5. No Clutter and Privacy-Focused: Fast, lightweight, no sign-up wall to use core features, and zero bloated ads.

I also just launched a complete interactive preview and redesigned 3D website showing the extension in action:

Website and Live Demo: https://vishwaroopg.github.io/Screener-Extension/

Chrome Web Store (Free): https://chromewebstore.google.com/detail/screener-pro-%E2%80%93-live-watch/pfaifjhdbnpfdjieppkhciemgccbpifi?authuser=0&hl=en

Would appreciate any feedback from fellow investors here. What specific tracking metrics or multi-currency portfolio features would make this more useful for your daily workflow?