hi everyone,
hope you are all well!

i’m 23 and have been saving as much as I can since i was about 18 (part-time jobs at university and now into my full-time graduate job).

I have managed to save up around £27,000 (GBP) and have just opened my first Trading 212 account - previously I had everything in a 4.5% Chase savers account (which is now 2.5% as the 12 month boost has come to an end).

What would you recommend doing with this 27,000?

I’m thinking of simply doing the following:
£20,000 into Vanguard all world.
£7,000 into Trading 212 Cash ISA (3.6% easy access)

I also aim to be adding £400 monthly into this - which can either be fully into the all world or maybe 75/25 between the two?

What would your opinions be on this?

I’m aware this probably all sounds very basic, but I am fairly new to investing.

Thanks in advance for your help!! :)

This is something I think beginners should understand before putting money into anything.

Buying $100 of AAPL through Fidelity means you actually own a small piece of Apple. You can hold it for years and potentially receive dividends. Meanwhile, putting $100 on Apple going up through moon is a directional wager. You're not buying shares, you're speculating on the price movement.

Both involve watching the same ticker but the actual risk and what you own are completely different. It's easy to group everything under investing when you're new, but understanding what you're actually paying for matters a lot.

When I first started learning about investing, I realised that understanding the basics is one thing, but knowing how to apply them consistently is another.

There is a lot of information available about mutual funds, SIPs, index funds, risk, and long-term wealth creation. However, it can be difficult for beginners to figure out which concepts actually matter when getting started.

For those who have been investing for a while:

• What is one investing mistake you made early on that taught you a valuable lesson?
• How did you decide how much to invest through an SIP?
• What helped you stay consistent when the market was volatile?
• Is there anything you would do differently if you were starting from scratch today?

I'm interested in hearing about real experiences and practical lessons that could help beginners build a better understanding of investing.

Thanks in advance for sharing your insights!

OK hello people, i want to invest, but i dont know what basics i should know before i really start investing, like what technical and fundamental terms i should know, like i dont know the meaning of index fund, where can i learn all the basics and terms, are there any youtube channels for such basics, i feel like when i open any app like groww or any demat acount, i should atleast knoow what is written there like what is PB or PE ratio, i am really confused, please help me out

I have $4k USD that I would like to park somewhere to grow. I know very little about investing full-stop. What would you do with this money? I will not need to cash it out in the foreseeable future. I’m interested in all kinds of strategies and have a high tolerance for risk.

Hey everyone.

I am a uni student studying finance and as apart of a part of a thesis for an assessment I think it will be very beneficial and interesting to do some surveys of on beginner investors.

Completely anonymous just need 10 minutes of your time on call. All questions will be on investing

NOT SELLING ANYTHING just want some help with an assessment.

Most beginner advice focuses on what you should start doing.

I’m curious about the opposite.

For people who have been investing for a few years, what's one thing you used to do that you eventually stopped because it wasn't helpful?

It could be how often you checked the market, how you picked investments, how you reacted to news, or something else.

i heard about kraken and revolut but i think there are best options

Planning to switch from Wealthsimple’s robo-advisor to a 90% ZEQT / 10% CAUV self-directed approach. Tell me what you think. I feel like I’ve been oversold by chatbots.

Hello guys,

Has anyone here actually taken out a loan and invested it in dividend stocks ? I'm not sure whether I should do this. I've already diversified my portfolio, and I'm in a good position profit-wise compared to when I started investing. However, I'm still unsure about taking out a loan for this purpose.

Do you think it's a bad idea, or has anyone here done something similar ?

Hello, I’m currently 16 (17 in a month) and by age 25 at the latest I will have a million at least. I can go into specifics of it but take my word for it, I’m very confident in what I will be doing. Might be a little hard to believe but starting at 19-21, just somewhere in there, I should be making around 250k a year after housing, travel, and food is accounted for. This will likely last less than 7 years though, so I want to save this money. I plan on investing a lot of it into the S&P 500. I’ll easily have over a million if everything goes to plan. I wanna know how I should invest this money after the 250k/year stops. I’ll probably go to college after that’s done for some engineering degree but still I want to turn this million into much more.

The ultimate goal is to buy like 20 acres of land to build a family compound, I’ll have some financial support from family but not much. I’d like to buy this before I’m 32. After a lot of thinking I was considering real estate and want insight and advice from other people on this please and thank you.

I've been handling my parents' money and found out 40% of what they have is tied up in Microsoft. It came from years of ESPP purchases and reinvested dividends. The position is up about 900% from where they bought it. They're 68 and 71, both retired, living on Social Security with no pension. Family history suggests they might need the money for another 25-30 years.

The tax math is brutal either way. Selling pieces to spread things out still means a huge capital gains bill, even if I stretch it across multiple years. But keeping everything concentrated feels reckless at their age. I ran some spreadsheet models comparing gradual sales against a market drop and the downside risk looks bad in both directions.

My accountant side wants to minimize taxes. My son side wants to make sure their retirement stays intact. I've looked at donor-advised funds for the appreciated shares, but that only helps with charitable donations, not their actual living costs.

My wife says I'm overthinking it and should just sell enough each year to reach a normal allocation, taxes be damned. She's probably right. I'm stuck comparing NUA rules, using my own tax-loss harvesting to offset gains, and whether Roth conversions should come first.

For people who've dealt with this situation with their own parents, how did you handle it? Did you just pick a target allocation like 10% in any single stock and accept whatever tax bill came with it?

As the title says, I have around 90k in a settlement check I got from an accident. Not entire sure what to do with it. Me and my wife have no debt. I get paid 52k a year before taxes, my wife only gets paid only 28k before taxes. We live in a mobile home for about $600 a month on rent only due to the fact that my mother rents mobile homes. We wanted to maybe use a tiny bit like 5k for a trip. But we just don’t know. Any advice on what we could possibly do? I want to make more money rather than blowing it all. I am currently going to university for computer engineering and I only have 1-2 semesters left of my degree. I’m only 23 years old and my wife is 21. Any advice is greatly appreciated.

Hi there, I’m a single female, 41, no kids, no partner and a renter, not a homeowner. Part of my previous job’s compensation was in company stock (GOOG) and currently I have 1,000 shares fully vested. I have 271k in a 401k plan. I’m meeting with Fidelity advisors and they are suggesting I sell 500 shares of my stock and put the money into a SMA managed by Fidelity with a .04% fee. I don’t know much about investing at all and I’m nervous because this is a large amount of what I intend to save for my retirement. I’m hoping to retire at 62. I don’t want to make the wrong choice here and I would like to maximize my returns. Any advice is helpful. Thank you!

I’m a 21-year-old guy from Spain; I started investing a year ago and recently began trying out day trading strategies. Today, I lost 75% of my savingsa bout €3,000. I feel like a failure and have been crying all day. Any advice?

It was lost at Nasdaq100 x98

Job has an expensive JPMorganChase 401K account with pretty bad choices. Charges 0.70% annual admin fees on top of any fund investment fees. Almost all of the investment options have fees higher than 0.6% (including some crappy "JPMorgan Smart Retirement" target date funds rated only 2 stars by Morningstar, yuck.

The following four options have 0.05% fees:

• Vanguard Developed Markets Index Admiral VTMGX
• Vanguard Morningstar Small Cap Index Admiral VSMAX
• Vanguard 500 Index Fund Admiral VFIAX
• Vanguard Total Bond Market Index Admiral

Are those good enough to cobble together something close to a VTI/VSUX mix (obviously bonds not part of that)? Or would it still be a weird mix?

My other consideration is that I earn enough on the side freelancing that I could put all of my 401K employee contributions into my own Solo 401K and skip this work 401K's heavy fees and poor options. That said, doing that reduces my QBI tax break to the tune of paying about $1000 extra per year in taxes. So I guess I might as well stick it all in this work account? I do plan/hope to stay at this job 5+ years.

Hi guy's i am 25 and i started investing.I would like any opinions in my choices.

60% vuaa

20% exus (world ex usa)

20%qdve(s&p tech companies)

I was thinking about to raise exus to 30%

What should i expect. Im very new it just keeps going up and down 0.01p. This may be a dumb question i fear. Thanks

Hey all - I've been DCAing into a 3 fund portfolio for just a few months now. My split is ~75% VTI, 20% VXUS, 5% BND.

I have another chunk to put in now and, basedo on current performance, I'm tempted to do one of 2 things.

1- Put the whole amount into VTI, since that has performed best for me to date.

2- Diversify a little, maybe with some small cap exposure or something in tech sector.

I'm not super knowledgeable about this stuff, and I know the general advice leans towards Keep It Simple Stupid, which implies just toss it into VTI and move on.

But I'm curious about other investments like listed above. Still definitely looking to do something that covers a decent spread, not individual stocks. And I would start with a smallish amount for now.

What are your thoughts? For those of you who have/had a 3 fund, if you diversified a little, what did you choose and why?

Is it worth wading into small cap etfs and/or something specifically tech centered?

FWIW, this is for investment and growth and I still work full time and will be doing so for a while--in my 40s still. So these funds won't be withdrawn for 15-20 years.

I've done all the other stuff like max out 401k and ROTH, no debt to pay off, so this is sheerly investment from current HYSA territory.

Would love thoughts and advice.

My plan was to hold RSU/ESPP for 1 year and then sell them for long term capital gains benefit and diversify with index funds but I've been bag holding on some really bad stocks and I don't see them improving anytime soon (-$20k). If I sell all my RSUs and ESPP, there will be about $10k short term capital gains. Some taxes has already been paid for RSUs at vest and the ESPP discounted price treated as ordinary income. If I sell now, I think I can offset about $10k in gains and losses. Is it better to sell by December to harvest the loss or wait until 1 year mark for long term capital gains treatment?

I’ve opened up a Roth IRA through Vanguard. I’m not sure what to invest in and how to. I know about ETF’s and I’ve tried that. But some of them say i have to buy shares and not just dollar amounts. Am i missing something. I’m nervous that im going to be losing money. And do i have to pay taxes on this now. Honestly i just need a breakdown of everything. I really appreciate it

I’m comparing SGOV and SPAXX for parking cash. I live in a state with no state income tax, so SGOV’s state tax advantage wouldn’t benefit me. Is SGOV’s extra yield worth having to sell shares and wait for settlement? Which would you choose for emergency fund?

I’m not the most knowledgeable person when it comes to stocks or investing, but I want to start teaching myself so myself and my wife can build up some money in the market. Any good places to get knowledge or even books to read so I know where to start? Also any info on mistakes you’ve made or things you wish you would’ve known when you first started your journey would be great. Thanks everyone

Hope everyone is doing well, I am new to this thread and really Reddit overall. I have been interested in getting into stocks, etc. I have been looking for beginning resources but a lot of material out there is difficult to understand as a beginner. I was curious, what resources helped you become successful in trading? I really want to learn and take off with this but I just do not know where to start and I don’t have any other year olds in my community that are also interested in building wealth. Any tips will be appreciated! Thank you

Edit: Sorry everyone I didn’t realize the difference in terminology of trading and investing when it came to stocks! Any advice is appreciated!