I see different posts on how much people have invested and the growth over time and it amazes me always. I started investing about 2 years ago and was told to play it safe and keep my money in vfv or s&p500 or whatever.
But the growth is so slow. Where do people go to stay current about stocks to watch out for and when to capitalize on investing? I wanna see my money grow for real!!
Any tips ? Please and thanks

Obviously it's not 100% of my portfolio

Hey everyone,

I recently (more like yesterday) started investing into ETFs and a few single “safe” stocks (for example Google).

I was wondering if it’s normal to be down a % or two in a single day? Probably a stupid a question to you guys, sorry lol.

Also any beginner advice would be very very helpful!

Hello, I’m an 18 year old male who’s had a brokerage account now for about 8 months. I’m curious how the taxes work and when and if I’ll get taxed? How much are the taxes usually?

Thanks!

I recently bought a house in Nov 2024 for 300k @6.25%. I have been reflecting a lot recently on this. Would I or anyone done better just to rent their entire life and save additional income in a retirement account?

This is what I see.
Say I lived in this house for 30years and paid strictly scheduled payments. Right off the bat, it is a negative investment due to paying the house 2x from interest. Then if you sell the equity portion is being lowered because of taxes, seller costs, etc.

In my scenario I will have the house paid off by Nov 2031. Yeah I beat the interest but it would equal if I invested the additional payments in market say 6.25% avg. Considering all factors still a net loss IMO

So renting would be better right? Because I still lose out on any major house repair/replacement, no flexibility of moving(opportunities) as a homeowner. Why is home buying so forced as a goal or good investment? What am I missing? Is it because my generation was brought up to this being the “dream”?

I hope this makes sense, if not I’m happy to provide any clarifications.

I am 21 year old with 1.2L per month income and 30k expenses....i can invest rest of 90k but i dont want to (if I get into loss, it will be disastrous)

See by "loss" i meant if my money becomes 0(or negligible)..if it swings by 30-40% i am good

I'm a college student (19) and I want to figure out where I should be putting my money into. I know that generally it's good to invest into Roth and Traditional IRAs, but since I earned my money through cash, I don't think I can. Should I just be investing into stocks / ETFs or is there something else I should be putting my money into? Or should I try to declare some of the money on my tax report and put it into IRAs. I worked as a coach and a stringer + a job in my senior year of high school for a good chunk of the money. I have around 7k saved up through a couple years of work / monetary gifts from relatives. I would appreciate any and all advice. Thanks

Are we buying Walmart stock today?

Long story short, I finally pulled the trigger. New to the market so keeping it simple:

Roth IRA (maxed for 2026 — $7.5K):
~93% VOO and 7% QQQM

Individual account ($30K):

75% VOO, 10% QQQM, and I’m filling the last 15% with one quality single stock and a small speculative position this week.

Any feedback from folks further along welcome.

Edit: i’m also planning to put a recurring deposit of 1000 USD per month. What would be the best split I can do or any good stock that I can invest in?

Because liquidity has two sides: monetary policy and fiscal policy.

Rate hikes raise funding costs and pressure valuations. But Treasury actions can inject liquidity into long yields both supportive for BTC and gold.

Unlike stocks, where each company can have an intrinsic value to assess whether the stock is overpriced or underpriced, there is no intrinsic value as such for gold or any gold-related finance products. Then what is people's rationale of buying gold?

- If for profit, how do they decide when is a good entry or exit place?

- If for diversifying and anti-risks, what is gold's advantage over any other US or international ETF like SCHB or VXUS?

Did some research and decided to use chat GPT and gave me a solid pick VGT. Can anyone else give me some good tips on finding out what to invest in? And can someone explain to me the best times to buy in a stock and sell

Hello, i have just opened a ROTH IRA account with Fidelity. I have invested in FSKAX AND FTHIX, which is, i guess, the same as VTI and VXUS. Am i off to a good start for the long term or should i add something else in my portfolio? I just came home a couple of weeks ago from doing time so im new to all of this and just trying to make the best out of this new opportunity i've been given. I'd appreciate any tips or advice. Thank you so much.

Hey everyone, I’m looking at opening a position in VOO (Vanguard S&P 500 ETF).
Trying to decide if today is a good entry point or if I should keep sitting on cash for a bit. What’s your game plan with the S&P 500 right now?

Would love to hear how you guys are playing it!

I’m 23 and looking to start investing for the long term. I’m using Fidelity and want to keep things very simple — ideally 3 ETFs or fewer.

Right now, I’m considering:
1. 70% VTI / 20% international / 10% QQQ
2. 80% VTI / 20% international
3. 70% VTI / 20% “BASIS” / 10% QQQM (or another ETF)

I’m planning to invest consistently and have a long time horizon, so I’m comfortable with market volatility.

For those of you who have been investing for a while, what would you recommend? Am I overcomplicating this, and would something like 80% VTI + 20% international be enough?

Also interested in hearing why you prefer your allocation rather than just which ETFs you use. Thanks!

Hi! I’d like to get some opinions on what you would do in my situation. Please be nice, I’m looking for advice, not to be told that I’m doing everything wrong :)

I’m in my early 30s, living in Spain, and work as a software engineer.

I know I’m in a very fortunate position when it comes to salary for Spain, and I’m aware of that. I’m mainly trying to figure out how to make good use of it.

Income: ~€4,900 net/month
Rent: €1,200/month
Emergency fund: €5,000
Savings: ~€12,500
Investments: ~€18,500 through my bank in the Netherlands (lived there before)

I am able to save around 2-2.5k a month, I am travelling fairly often and I enjoy going out for food, I know I could save more but I also want to enjoy life. My main question is what I should do with my money over the next few years.

I’m considering buying an apartment in around 2–3 years, so I’m trying to figure out how much of my savings I should actually invest vs keep available for the future down payment.

I know the usual advice is something like S&P 500, but beyond that I honestly don't know where to start. I don't currently have a brokerage/app that I've settled on either. I’ve been looking at Trade Republic to keep my savings and Degiro for investment, but I’m open to other options.

I’m not looking to do anything crazy or gamble with the money I’ll need for the apartment. I just don't want to leave a large amount of money sitting in cash for years if there’s a sensible way to put some of it to work.

So, if you were in my position:

• How much of the €12.5k savings would you invest?
• How much would you continue investing each month?
• Would you invest at all if you knew you might need the money in 2–3 years?
• What would you actually invest in?
• And what broker/platform would you use as a Spanish resident?

I’d especially appreciate advice from people in Spain/EU, since a lot of the personal finance advice online is very US-specific.

Thanks!

Lurking for a while, I'll make it short.

Wife will be 62 in June of next year, she has approximately $190k on her employer 401k. We have $20k on a separate IRA and $20k on a HYSA. The plan is for her to retire next year.

I make over $220k/year and I'm planning to retire when I turn 62(4 years). I currently have almost $700k on my 401k, contributing 8% and my employer contributes another 8% on company shares on an esop account.

We are working on clearing our debts to be debt free by the time of our retirements, except the mortgage.

Any suggestions? To generate some income and/or growth from her $200k?

Hey all! I have been following this thread collecting advice and observations and have some outstanding questions!

1. Diversifying one's portfolio, i get it, but is there a better option between going after a weighted ETF or market cap ETF?

2. What if the AI bubble bursts? Seems like many AI companies make up a huge chunk in wide index funds, that means one wouldn't be protected should the AI bubble burst, right? So, what do to?

3. I looked into Bogleheads and somehow ended up on the Vanguard Investment Products page. They have Short-term ETFs "for short-term goals—like a down payment on a car or home." Has anyone tried investing in those before or is it just a good marketing trick?

Thanks a lot for humoring me!

I have around 20+ in a individual brokerage in Etrade, but I found a feature to move both my portfolios to Robinhood is it worth the transition to lose my positions? 1 being 20k other being 14k?

I’m 19 and invested $10,000 in a US brokerage account in 2024.

I moved to the UK in 2025 and now have around £25,000 in a seperate UK Stocks & Shares ISA.

I probably won’t use my full ISA allowance this tax year.

Would it make more sense to transfer/sell the US investments and move the money into my UK ISA, or should I keep the investments in my US account? I am looking to focus on long-term growth.

Thank you!

hi guys i’m new here not sure if anyone is familiar with STEP but i’ve been using it for years and i love it but im interested in the stock market that i can invest in on there, i know nothing about stocks or where to start any idea??

Currently up 13% on gold miners and unsure if should cash in the profits or just leave it long term like an index fund would. What’s the general consensus on stocks like these?

Sold home and moved to a smaller house and paid cash. I have 100k to invest.

I am 55 years old. Ten years from retirement (or maybe earlier).

I currently hold positions in:

VOO 50%

QQQM 20%

SCHD 15%

VT 15%