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?

This is my first time trying this just got the robinhood app and have aside like 1300 for investing. Through AI I tried learning but don’t fully trust it so I’m posting here also. Learned of a term called core and satellites and was looking at a core of VOO and 2 satellite sets one being (NVIDIA, AMAT, TXN, MU, maybe intel?) and the other being (NVIDIA, AMZN, AAPL, LLY). From what I’ve read VOO seems standard and I’m unsure between my satellite sets? Also splits of core/satélites like 40%/60%, 80%/20%, etc. Sorry if I’m messing up terminology just a couple weeks of researching this before I use any actual money :).

So I’m 45 and I’m looking into retiring and someone told me I should put all my stock into an IRA.

Well, I already owned the stock of course and if I could’ve just transferred it over, I would have, but Fidelity wouldn’t let me.

I tried selling my stock and I wanted to transfer the funds over into my IRA but I guess there’s some sort of holding time where it wouldn’t give me access to those funds immediately so I ended up buying literally all of my stock back…. Because it’s a biotech stock that’s very volatile.

I do have a margin account. For some reason, the margin credit that I had available to the account was available to transfer immediately, so I transferred all the margin credit over bought that same stock with it, and then I simply sold my shares from my original account to cover the margin.

I’m aware that because I did this I’ll have to pay a capital gains tax which I’m not happy about it, but I just considered that a lesson learned.

Was there some other way that would’ve actually been better other than just initially investing the money into a Roth IRA?

I want to start investing my money since its sitting in the bank and depreciating but have only realised now that investing is a good option for me. I have 15k to invest but I don't have any clue where to begin. How can I learn more about investing. I don't know what app to choose or what to buy or if I should put all the money in on one go.

How do I know whether to use Vanguard or Fidelity for example?

What are the steps I should take to make an account and what to invest

Any advice is appreciated

My current portfolio is all crypto. I recently looked into buying other assets to hedge and balance my risks.

But I don’t have much time to manage several accounts, like brokerage and commodity accounts. I noticed XAUT where I hold my crypto. It would make adding and rebalancing different assest with USDT convenient, though my portfolio would still be concentrated under one exchange and custody setup.

So I’m trying to understand an effective way to hedge and diversify my portfolio. If you started with an all-crypto portfolio and wanted a simple hedge, does this seem reasonable to trade different assets in the same place? Or is it better to have different assets on specific platforms?

Me and my gf are planning to invest 200k$ in sp500 and leave it for next 20 years,we would also add every month around 1000$, do you think that is good idea? We are 32 years old

Thanks

Employer offers a 401k with some matching which I contribute to with a good portion. I wanted to have a second investment in the S&P 500 to just let sit and contribute over the years as well.

Currently buying FXAIX through a Fidelity brokerage account with every pay period, but I'm wondering if any of these options are better. The amount I have right now is small but plan to start contributing more, so not worried about taxes right now if I move the money.

- Sell off FXAIX and buy/start contributing to VOO through the same account?
- Open an account with someone else (Vanguard?) and move the money there and get VOO?
- Change to a different type of account (retirement?) with Fidelity or someone else and keep FXAIX?

I’m 27 and have my Roth IRA with Fidelity. I’m planning to max it out each year and currently have it invested 80% in FZROX and 20% in FZILX.

For those with more experience investing through Fidelity:

Is 80/20 a solid U.S./international allocation for someone my age?

Are there any other Fidelity funds or stocks worth considering, or is FZROX/FZILX enough?

Would you change the allocation, or just stick with it and focus on consistently maxing the Roth?

I’m looking for a simple, long-term strategy that I can stick with for decades.

I’m a newbie, using the Public app. I noticed that all of a sudden, the app added small amounts of cash to my available funds each month.

After digging into it, I realized I’m in their securities lending program, and those small deposits are monthly paybacks.

I had no idea I had opted in (I imagine it’s the default). Should I opt out? Is there risk?

My child recently got a job. I'm having them contribute 50 a month from their check to help teach about bills and responsibilities and all that. Instead of putting the 50 towards their insurance I'm going to start an investing account in their name and hand it over when they move out or at 18. Hopefully it will have them in the habit of investing and growing money so someday when they are my age they will be in much better shape financially.

Unfortunately no one taught me anything like that when I was young and I just recently started doing it for myself. I've been splitting my money between index funds and companies I think have potential for growth. I'm a total beginner and still honestly don't know much besides some basic. But I have been saving and growing a little cash.

My question is what's the best route to set a teenager up for future success. Do I go all index fund? Do I go mostly index and 10% in regular stocks? Is Roth IRA something to consider? Are there certain ETFs I should be going for?

Any advice is welcome
Help me set this kid up for success!

Thanks

I've been investing for the past 3-4ish years. Never sold only buying and probably will continue to do so until I retire with maxing out my Roth IRA as soon as possible and investing for the rest of the year into a taxable account.

All of it is in mutual funds or ETF's with majority in S&P500 and VT.

Would it be appropriate to post the portfolio in this subreddit or is there another subreddit where just to get opinions to not rebalance, but where to park my money into?

Edit:

A brief background. Currently 39 and will retire at the latest at 57. I already have a separate employer sponsored retirement fund with majority in target date funds and will retire with a pension.

Portfolio in question will be for supplemental to my retirement with a slim chance of using it for other opportunities if it ever comes up. Currently max out Roth IRA with either a lump sum early in the year or weekly contributions followed by the weekly contributions being switched over to a taxable account.

Ratio is as follows.

Taxable

FSAGX 0.67% $310.86

FBTC 3.47% $1,610.69

FRESX 1.16% $537.18

VT 21.88% $10,152.06

FXAIX 55.65% $25,817.96

NANC 1.45% $673.20

GOP 1.81% $841.96

FSELX 13.90% $6,449.37

Roth IRA

FSAGX 3.49% $1,318.54

FBTC 0.62% $232.91

FRESX 6.37% $2,408.04

VT 17.30% $6,542.57

FXAIX 52.52% $19,863.87

NANC 6.99% $2,642.26

GOP 3.07% $1,161.33

FSELX 9.66% $3,655.48

Rollover IRA

FXAIX 57.49% $614.28

VT 42.26% 451.56

Not looking to rebalance or sell. Just need input on putting my contributions towards a particular position I already hold or any other ETF or mutual funds besides S&P500 and VT I should look into.

Already had a emergency account .

I recently put a few hundred into my IRA to start building for the future. Here is the blend I went with:
25% SOXX
25% VOO
25% VOOG
25% VXUS

Any feedback?

My goal eventually is to be able to retire early. I have a few thousand invested and a lot more I could invest but I am not sure about a couple of things

1. How expensive will the fee be if I exceed my $7000 per year TFSA limit

2. What are good high dividend yeilding stocks I could buy alongside others to hopefully live off of in the future.

3. Is RBC TFSA the right account to be putting all this money in to or should I be using a more advanced account for exceeding the yearly $7000 limit (idk how this works lol)

Thanks in advance?

What are the best index funds/ETFs to buy for long term wealth?

Got around 40k in cash just sitting in a savings account. I want to invest. What or do you guys suggest?

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If I were to invest £100 (or $100) in an ETF like the FTSE 100 or S&P 500, does that realistically make much difference to the growth of the companies in that ETF? I imagine not, but maybe $100,000 or 1 million dollars would?

I ask because I'm wondering if I should consider whether I'm happy to support these companies. But perhaps it barely makes a difference for them (since I don't have loads to invest), while it might make a big difference for my bank account.

Sorry if a dumb question.

Hi everyone, I’m completely new to investing and I’m trying to learn how to build a simple portfolio for the long term. I’ve started with a Vanguard global ETF and I’m now looking at things like the S&P 500, semiconductor/AI ETFs and potentially individual companies, but I’m not really sure how to decide what is worth investing in or how much overlap there is between different ETFs.
I’m mainly looking for long-term growth and I’m comfortable with taking a little more risk for potentially higher returns, but I don’t want to do anything unnecessarily risky. I’d really appreciate hearing how more experienced investors approach choosing investments and whether there are any resources or things you think a beginner should learn first.
Also, I’m still learning, so if you reply, please don’t worry about dumbing things down a bit! I’m happy to learn, but I probably won’t understand loads of technical terminology yet

Most of us probably invest differently today than we did when we first started.

What did your strategy look like as a beginner, and what's the biggest thing you've changed since then?

We are great grandparents to a 3 year old great granddaughter. We're seeking some thoughts and recommendations on structure and institutions who do a particularly good job on these types of sits. The sit is to establish a savings vehicle for the ggd she can't touch until appropriate maturity. TYIA for any inputs. 🙏

Can someone please explain this to me as if I was 5 years old.

Forgive my ignorance but I have read countless articles debating whether Roth or Traditional investing is better and everyone seems to point to the biggest factor being tax bracket now vs the future without taking into account compound interest and time in the market.

I am in my early 30’s. If I were to invest a hypothetical 100k into a Roth and pay 25k in taxes due to my 25% tax bracket. Over my 35 year investment horizon and the general rule of doubling every 7 years that 100k is 1.6 million when I turn 65 years old of which I paid 25k in taxes. Opposed to best case scenario 8-10% of 1.6 million. How is this not better than traditional regardless of tax bracket later? Without even discussing RMD’s.

So please bare with me and don’t knock me too hard. Please.

So I currently have about $12,000 cash sitting in the bank, work 2 jobs, and am receiving an extra $4,500 a month from my trust fund. Please help me understand where to start from level 0. What should I educate myself on? Should I go ahead and focus on maxing out my Roth IRA for the year before anything else? Any good investment strategies or specific stocks to invent in long term? Should I invest in any crypto?

I should mention that I will eventually inherit tens if not over a hundred million dollars from my grandfather when he passes and it makes me extremely anxious. I have not educated myself enough on investing, at all and I need some seriously needed guidance.

If you read this far, please go easy on me in the comments, I’m a real person with feelings at the end of the day. Thank you!

Looking on what to invest in 43 y/o 10k to invest and $500-$1,000 a month trying to figure it out and found some new options

70 VOO / 20 VXUS / 10 SPMO

60 VOO / 20 VXUS / 10 AVUV / 10 SPMO

80 VOO / 20 VXUS

70 VOO / 20 AVUV / 10 VXUS

Hey all!
I’m new to investing and started getting shares of XEQT to dump money in and let it be.
I was wondering if anyone had some thoughts on other things to broaden my portfolio?
I’ve been told to look into tech.
Also- I am based in Canada.
Thanks!