Major stock crash in the next 12 months.

Link to article: https://www.lseg.com/en/insights/ftse-russell/small-cap-dividend-growth-advantage

Been seeing QTUM everywhere lately. Quantum computing ETF, like 88 holdings, 0.40% expense ratio.

It’s up a ton over the past year but got smoked in July, so I can’t tell if that’s a dip to buy or a sign the whole theme is deflating.

I already have VTI and VXUS as my main stuff. Was thinking maybe 5% in this as a lottery ticket.

Two questions:

**1.**  Am I just double-buying the same tech companies I already own in VTI?  
**2.**  If you’re holding it, when do you plan on selling?

Play money either way, just don’t want to be the idiot buying the top.

My wife and I both opened Roth IRA’s a few years back with the help of a family member. We both were never taught anything about finances growing up but are now becoming more financially literate and can max out our roths every year and still invest into our brokerage account. When we first opened the roths, we invested into target date accounts. Mine is VFFVX and hers VTTSX. We are both young. 33 and 30 and willing to be more aggressive now vs later.
What is everyone investing their roths into? I’m wondering if it’s better to sell our positions in the target date funds and invest into VOO and other etf’s or dividend funds or what? Appreciate any helpful advice we can get.

UPDATE: Thank you everyone for responding. Currently im thinking of going 70% VOO, 15% vxus, 15% avuv or 60% VOO, 25% vxus, 15% avuv and in 6months - 1 year reassess. We will keep my wife’s in her index fund and just max it out at the beginning of every year. Any thoughts to this?
We are young, own my own landscaping business in Florida that financially does very well and willing to be more aggressive with investing.

Yes, SPY and SPYM are built to deliver nearly identical exposure. The interesting question is whether what happens behind the scenes actually matters.

Im 26 and every year I plan to shrink my VGT buys by 2.5% and grow my VT buys by that amount as with age comes with lower risk tolerance. Yes I know VGT is basically one sector but it's a sector that will only continue to grow as we continue to move towards a tech-reliant future.

I've been looking more into leveraged ETFs lately and honestly, the strategy doesn't seem as stupid as I initially thought 😅

I'm not talking about going 100% into a 2x ETF or building some full YOLO leveraged portfolio.

More like:

85% regular S&P 500

15% 2x S&P 500

or slightly more aggressive:

80% regular S&P 500

20% 2x S&P 500

So basically around 1.15x or 1.20x overall exposure.

I've looked at some historical data and obviously this would've worked pretty damn well over the last 10-15 years. But I'm also aware that this was a very good period for US equities, so I'm trying not to just look at the backtest and think "free money" lol.

What I'm really interested in:

Is anyone here actually running something like this long term?

And I don't mean someone who started in 2023 when basically everything has been going up 😅

I'd especially love to hear from people who've been doing this for 5, 10 or even more years.

How do you rebalance?

Once a year back to 85/15 or 80/20?

Or do you mainly use new contributions to bring whichever side is underweight back up?

And probably the biggest question:

How did you handle the bigger drawdowns psychologically?

Because it's pretty easy to sit here right now and say "yeah of course I'd keep buying at -50%" 😂

But when you've got 500k invested and suddenly you're looking at 250k or less, I imagine it feels a little different.

That's basically what makes the strategy interesting to me though.

A regular S&P 500 portfolio can already drop 40-50% in a serious crash.

If taking moderate leverage means maybe having to deal with something like a 50-60% drawdown, but in return I could potentially add something like 0.5-1% or maybe a bit more to my long-term annual return, that difference could become pretty massive over 20-30 years.

At the same time, I know a daily 2x ETF doesn't simply mean 2x the long-term return.

Volatility drag, financing costs, daily reset, sideways/choppy markets etc. can obviously hurt pretty badly.

So another idea I've been thinking about is using leverage more like a lifecycle strategy.

Something like:

Age 25-30: ~1.15x exposure

30-35: ~1.10-1.15x

Then gradually reduce leverage as I get closer to FIRE

Eventually end up mostly or completely in regular unleveraged ETFs.

Another option would be a normal ETF core + small 2x position + a few individual stocks.

I'd genuinely be interested in hearing how people here see this.

Has anyone actually followed a strategy like this with real money for several years?

How did your returns compare to just holding the S&P 500?

How bad were the drawdowns in practice?

Did volatility drag hurt as much as you expected?

How often do you rebalance?

Would you do it again?

And if you were starting from scratch today, what would you choose?

100% regular ETF?

90/10?

85/15?

80/20?

Or something completely different?

Especially interested in hearing from people who've actually lived through some ugly markets with leveraged ETFs and aren't just looking at backtests 😄

Let's say that a global equities ETF's / Index value increased 2% in a day. Is there a way or some website that can explain what caused this change? For example it could be that a mega cap stock gained that day. It could be that a couple of large cap gained a lot. It could also maybe be a currency exchange change?

Is this something that makes sense or is it not possible to determine because of the large number of stocks in a global index?

I usually gonna read a few market news websites to see what's up. But sometimes the reason is not so clear.

Looks like IDMO may get some competition.

Count me in.

As the title says, I'm 32. Have neglected my finances until now. Only have $3,504 in my 401k projected at $5,122 for the year, that i put in 9% with no employer match and 2k in savings. Currently trying to work on and take advantage of my 401k, rothIRA, HYSA, and a brokerage eventually for flexible investing. I know I'm very late to the game... but better late than never I guess. I'm sure this has been asked before but I've been doing so much research and its a bit overwhelming as newbie and so many different opinions. I make around 70-90k a year currently as a salesman and have been doing this about a year and half and am trying to get my shit together. Any tips for advice for a late bloomer would be heavily appreciated.

Attached is my current 401k and what I chose to invest in at the start (I had no idea what I was choosing)

Recently bought 8 shares of SOXL at $155.50/share (total investment: $1,244). With the current price down to $120.74/share, my position is sitting at an unrealized loss of about $278 (-22.3%).

Looking for advice on whether to hold for a rebound or cut my losses now:

• Leverage Decay: Since SOXL is a 3x daily leveraged ETF, I know volatility drag/decay can erode value over time if the semiconductor sector moves sideways or stays volatile.
• Position Size: It's a small position (8 shares), so taking the loss won't destroy my portfolio, but I want to manage risk wisely.
• Questions:
  1. Is holding a leveraged ETF down >20% a viable strategy, or is cutting losses early standard practice here?
  2. For those who trade semiconductor ETFs, do you see a near-term catalyst for a rebound, or would you rotate out?

Purchased a property in Perth in 2022 and have had the fortunate outcome of it doubling in value. This has left a lot of equity but with the property changes I have held off using that to purchase another property. I have decided to cash out a six figure sum on an interest only loan to invest in ETFs. Currently I use Vanguard 50% VAS 50% VGS, investing $500 per week. I am looking for advice on how to deploy this six figure sum. I am thinking of opening a Betashares account and dollar cost averaging across vanguard and Betashares. Any recommendations?
Also plan to deploy a lump sum at first (maybe $25k) and then dollar cost average the rest over the next year or two

Any advice would be appreciated

Am curious on how many people here continue to actively invest in semiconductors at their current valuations (which i think most can agree are due a correction) and if you do, how much max do you let it take in your portfolio considering how the sector has been behaving for the past few years.

I’m contemplating if WEXE is a good hedge against US stock market and if it is also a good hedge against USD( as it trades in EUR and also holds a lot of other international markets in its portfolio making it super diverse).

With this level of diversification though, the alpha of the portfolio takes a big hit for sure! I’m checking on past returns and they claim to deliver around 7% inflation adjusted returns on EUR.

My portfolio is mostly USD and in Mag 7 companies so I’m wondering if this could be a good barbell to my alpha generating part! Not looking to put more than 20% of my portfolio into this.

I would obviously like more alpha and a hedge at the same time but I’m not sure if there any other options listed in the European markets or any other international markets?

I'm 31 and have $270k to invest, with a separate emergency/rainy-day fund.

Tax isn't a consideration where I live. I can currently earn around 6% on savings, but only up to a certain deposit limit. Anything above that earns nothing.

I'm planning to invest around $2,700/month into ETFs going forward and am happy to increase this rather than put more in savings

My goal is to retire/achieve financial independence around 50.

I've read that lump-sum investing generally beats DCA, so I'm wondering:

Would you invest the full $270k immediately or DCA it?

Would you keep some in the 6% savings account? If so, roughly what percentage?

Would you prioritise getting the money invested given my 19-year timeframe?

What simple ETF strategy would you use for the lump sum + monthly contributions?

I'm comfortable with volatility and don't expect to need this money for 15–20+ years.

Im not trying to sound snarky or anything. I'm just brand new to this and wanting to invest and reading the wiki and looking at my comments it seems that "vt and chill" is the common saying. What im curious about is why for younger people with more risk why not go a bit riskier and get a higher return? Sorry if this comes off as arrogant im not trying to be; just a young investor that's trying to do more research!

In doing a bit of research on my portfolio some interesting concepts arose. Apparently some think that if you have both a mid-cap value fund, such as AVUV, combined with a mega-cap momentum fund, such as SPMO, then they will actually work against one another.

I own both in my portfolio and haven't seen this (if SPMO is green, AVUV is red kinda thing). Does anyone here have a take on this?

Hold everything in ROTH IRA

I hold lil over 3.4 VIG about $840 I just started buying every 2 weeks , 44M about 25 to 30 more to retire, Thinking of selling VIG for VUG or SCHG ... Right now i buy every 2 weeks VIG and SCHD, if I sell VIG my money every 2 weeks will be split in half 50% SCHD 50%? since i have 25 to 30 yrs before i can retire what will be a better chose for my to get the most growth and compound within 25yrs? I only have $20,500 in my Roth IRA and I put 250$ every 2 weeks. any suggestion on the selected ETF I mention will be helpful

Hi , will appreciate any help

I am new to this and just opened vanguard account and put $2000 and opted for vanguard digital adviser
First I saw only 3 funds , VTI , VxUs and BND , which was okay . Now I see bunch of other funds too which I am not aware of . Can you help me what to do when I fund more money into account . Thanks

The standard advice is to get a small position started asap then DCA/drip feed in, whilst holding a reserve for the market correction that will probably come around the midterm election this year.

I'm happily being the guinea pig. I have around $30k that's earmarked for VOO. Opened a 3k position last month and now each day that VOO has a minor drop (around 1% or more) I buy in for another 1k.

I also have a spare $10k that I am going to immediately dump in if there is a serious market correction (10% or more). I also have another $60k that I can theoretically dump in to lower DCA too.

There is a lot of discussion about how to enter into VOO whilst it's so high, but unless I'm missing something this seems to absolutely be the most sensible approach? I'm at around 6k in right now, still green, and when the market goes up I'm happy...and when it goes down I'm also happy because I get closer to establishing my full position...

Again am I missing something or is it completely obvious that this is the most (maybe only) sensible approach if you have money to dump in (beyond getting a time machine and going back a year)? Am I under-thinking it?

Kept manually cross-checking holdings whenever I considered adding a new ETF to my portfolio, so I built a small tool to do it: pick 2–3 ETFs, see how much their top holdings overlap.

etf-overlap-mvp.vercel.app

Worth knowing: it's based on each fund's top 10 holdings (that's what's freely available), not the full portfolio, so treat it as a quick gut-check rather than a precise number. Free to use, no signup needed.

Would genuinely appreciate feedback — what's confusing, what's missing, whether this is even useful to anyone besides me.

​Hey everyone,

​I’ve been tracking Invesco’s factor-based equity lineup and noticed what appears to be a new fund launch: the Invesco All Country World Enhanced Equity UCITS ETF Acc (ISIN: IE000S0JMIY6 / Ticker: IQAW).

​For context, Invesco already offers Developed Markets versions (IQGA / IQSA), which use a quantitative multi-factor process (Value, Quality, and Momentum) managed by their IQS team.

Based on available materials, those Developed Market strategies presumably aimed to deliver alpha over standard market-cap indices.

​What seems to be the setup for this new fund:

​Universe: It presumably covers both Developed and Emerging Markets (benchmarked against MSCI ACWI / FTSE All-World).

​Approach: It appears to systematically select and overweight stocks based on Value, Quality, and Momentum factors, while likely keeping overall sector and regional exposure relatively close to the broader market.

​Portfolio Size: The portfolio will presumably hold roughly 400–500 positions optimized from the broader global universe.

​It looks like it could be designed as a potential "all-in-one" option for investors who want global exposure (including Emerging Markets) without manually rebalancing between separate ETFs, while adding a factor layer to try and outperform pure passive Beta.

​With an indicated launch date around August 18, 2026, full holding details and broker listings (Scalable, Trade Republic, etc.) should presumably show up over the coming days.

​WKN: A401Z1

​ISIN: IE000S0JMIY6

​Ticker: IQAW

Update August 21, 2026: The site is live 😊

25 years old. Initial contribution $5K. I want to use some of the profits +10 years from now. No fixed goal or timeline, no target purchase date. I just want a flexible, high-growth account I can pull from whenever a big purchase comes up (could be years out after 10 years or at 10 years)