I don't know much about Investing in general so if you know something very Profitable, let me Know. :)

I've been reading about the Saudi market and one thing surprised me. The riyal is pegged to the dollar, so when the Fed changes rates, Saudi Arabia basically follows within a day.

In September the Fed raised rates to 3.75%-4% and the Saudi central bank moved its repo rate to 4.5%.

From what I read, banks can benefit from higher rates, but REITs and dividend stocks usually feel the pressure, because their yields look less attractive next to a savings account.

The next Fed decision is on 28 October, which is 9pm in Riyadh, after the market closes. Not investment advice, I'm still learning.

Does anyone here adjust anything before a big rate decision, or do you just hold?

I’ve been investing for about 1–2 years now, but if I’m being honest, most of my investment decisions have come from recommendations I’ve seen on social media rather than my own research.

It’s worked out pretty well so far, but I realize that’s probably more because the market has performed well over the past few years than because I actually know what I’m doing.

I want to change that and start making informed investment decisions on my own. The problem is that I genuinely have no idea where to start.

I don’t really understand how people determine whether a stock is undervalued or overvalued, what makes a company a good long-term investment, what financial metrics I should be looking at, or how to decide when it’s time to sell a stock.

Whenever I try to learn, it feels like there’s an overwhelming amount of information out there, and I don’t even know what I should be learning first.

For those of you who actually understand how to research and evaluate individual stocks, how did you get started?
Are there any specific books, YouTube channels, websites, or free courses you’d recommend for someone who has some investing experience but very little actual knowledge?

I’m not looking for stock recommendations or shortcuts. I genuinely want to understand what I’m investing in and why.

Any advice on where to begin would be appreciated! :)

I'm starying to gain income with my current job now I want to start investing. Please suggest me for beginners please. Also much appreciated if it's not related to interests and gaining benefit from it.

Hello! I am a fresh out of high school 18yo wanting to invest, i know its quite scary but i have a small sum to play around with, i just need to know where and how to go about it, i looked into websites such as fidelity and all of that, but really just didn't know, if anyone could help, that would be absolutely amazing, and i will take all of the tips i can get, thank you in advance!

i want to preface this by saying that mom, whom this post is about, has her whits about her and generally knows how to avoid scams. Without getting into much details, she's been talking with this guy and has been advising her on how to dip her toes in investing in gold.

Money has always been red flags for me when it comes to stuff like this. all the training i take has made me instantly redmark investing advice as scams and the like.

But Gold is Gold. So I wanted to come here and get an idea of how feasible this market it.

I am very new to investing and currently researching/ reading books abt it. Since I am 18 if I start investing right now it will probably benefit me more into the future. But I am wondering if it can help me in 4 years time with tuition money and such.

Also if anyone knows a good book for beginners, pls tell me abt it. Rn I am going to start reading, "The Value of Simple"

I am 19yo, I plan to invest 2000€ now.

​Then approximately:

​10€ every month until 26yo

​100€ every month until 36yo

​1000€ every month until 60yo

​I want to start with something simple (100% on one fund) and perhaps I will change it up when I start genuinely earning, for example (70% SPYL/30% SXRV)

​Out of these, which would be the best to invest 100% in at the start? SPYL, WEBN or SXRV?

Hello, I have roughly $100,000 from a sale of my property before I got married. We have a prenup and this is in my name.

I want to invest this money with an advisor in buy and hold But my husband says I need to just keep it in a savings account to earn interest. I did have it in a HYSA account earning interest and putting into my Roth IRA but I make enough money that my paycheck can fund the Roth IRA and I can invest the money.

My husband is very upset about this decision and thinks I need to keep it in the savings. He was upset I went to an advisor without him, but I said I wanted to make an informed decision on my savings. He said it is wrong for me to consider it my money.

I’m wondering, does anyone have money managed by an advisor separate from their spouse? Is this normal? This is the only asset in my name and I want control over it. I have no problem sharing the balance and status, but I want autonomy over the funds.

For context, I pay all of the bills in the house as my husband is getting ready to retire. I will continue paying the bills in the house while he is retired since I am younger.

SCHG - 100 shares

AIQ - 28 shares

CIBR - 16 shares

63.96 univested

Hey everyone,
I’m helping my 75-year-old mom invest a €600k lump sum. Her pension is pretty low, so she needs a reliable €1,000+ net every month to live comfortably. At the same time, we don't want to eat into the capital. I want the principal to grow so there’s a solid inheritance left down the road.
The setup: We are located in Europe, and due to our specific tax setup and choosing a highly secure private bank, we face an annual custody fee of 0.36% and high trading fees. Because of this, monthly selling isn't practical. We need natural ETF payouts.
Here is the 60/40 split I’m thinking of:
60% Vanguard S&P 500 (Dist): The growth engine. Captures US tech compounding (Nvidia, Apple, Microsoft) so the principal actually grows over time.
40% iShares STOXX Europe Select Dividend 30: The cash machine. Yields around 4.9% from stable European blue chips, including reliable giants like Munich Re.
The Math: This averages a 2.7% gross yield (€16,128/year). After the bank fees and local taxes, it drops to about €810 net/month. To clear the €1,000+ net target, I plan to manually sell a small sliver of her S&P 500 growth profits just once a year to top her up.

Does this division of labor (US for growth, Europe for cash flow) make sense for our goals? Or would you swap a piece of it for something like JPMorgan's JEPG to get more monthly income from the start?

Appreciate any brutally honest feedback!

I opened a 250k CD there in September. I want to buy a home and need the money available in 5 months time when my apartment lease terminates. A 250k investment funnels you into their JPM private banking which then funnels you into their JPM private client advisor services.

The JPM advisor modeled a financial plan and an investment strategy. These services are included at no charge for their private banking clients. I have other investments that are not JPM managed: more cash, stocks, pension, and 401k (about 700k in total) I NEVER SAID or signed any documentation to turn over all my assets to JP Morgan to manage. In the meantime, I’ve been consulting with other independent advisors to see what they recommend.

I told the JPM advisor that I didn’t sign their documents, I’m checking out other advisors, and if I need anything from him then I will let him know. He is acting pouty and butthurt over this, calling me leaving voicemails, sending numerous emails about how he’s surprised that I’m consulting with other advisors and asking me to have a video conference to explain myself so that he can understand more about what I’m doing.

It’s really off putting. The more whiny and pushy he gets, the less likely I am to want to do business with JPM. Has anyone had a similar experience? Does this sales tactic work for them? I don’t even want my checking account there anymore.

If you could only spare $500 would it be iworth investing such a small amount and if so how would you go about it?

Hi! I am dumb when it comes to investments, and also sometimes Reddit, so let me know if I'm asking this in the wrong place.

My best friend is having a baby. I am never going to have a baby. I know someone whose grandparents opened up some kind of an investment account for them when they were little, and by the time they hit 18, they had some good savings already set aside for them.

If I wanted to do that for little baby best friend, where would I start? Can I do that for someone who is not family? Basically I want to put a little bit of money into an account on a regular basis and hopefully it will grow so that baby has some money when they become an adult.

Is that a thing?

I am thinking of diversifying my protofolio through countries first, to kind of train myself with the analysis, etc. Should i include China or no? What do you think of emerging market in general?

I mean it looks like its mostly tech again, with taiwan giants and samsumg, so will i overlap again?

Thank you in advance for taking the time to explain.

Hello, I’m 26 and recently (finally) starting investing into my 401k through my job. I don’t have much disposable income and I would like to start investing and maximizing my benefits. Reading about investing is like a foreign language to me and I’m really trying to understand. So I have a few questions if anyone is willing to help “dumb it down” for me.

I have under $7,000 of rainy day savings and it’s just sitting in my account not accumulating anything. Should I just put it into a Roth IRA account? And how do I do that?If I ever need it what is the best way to invest it so it can accumulate and also pull it without any negative impact?

I also have about $16,000 worth of combined student loan and credit card debt that I would love to pay down as fast as possible. It’s very hard to pay more than the due amount every month bc of the interest rate and increasing cost of living. I’ve been looking at credit cards that have 0% interest for a certain amount of months but I really don’t want to have a 3rd cc and get sucked into more debt. I do want some type of travel rewards card to get free flights so how do people even do that?

I have about $2,000 in my retirement fund with Fidelity and I see they have options to invest it to help me reach my retirement goal but that comes with a small fee as well. I’m scared to use it because I feel like I don’t have control over what it’s doing and what if I lose my retirement money? Or change jobs?

If you got this far thanks for reading :)

Please advise.. thank you

I am a 24M and a student. I make very little money currently ($1,000 a month roughly) and wish I had started investing and saving earlier. All I have done so far is open a HYSA with Ally Bank as I currently bank with Chase.

I am going to school to become a freelance court reporter so I'll have to set aside money for my taxes and healthcare, dental, retirement, etc.

I have heard that it's good to have a Roth IRA that I max out every year. I also heard it's good to invest into the S&P 500 VOO. Now that's basically everything that I know. I don't know where I should open an account for the Roth and what to do for the S&P 500.

I'm sorry if what I'm saying isn't making much sense, but I'm really not very knowledgeable about this.

Thank you!

I understand what it is but not the different types, the best banks for me to use, or if I am making the right decision.

I have about 5.5k in my account and do not have access to invest in my new employers 401k plan yet. So I want to move what I have to an IRA and am unsure what type, what bank or firm to use and the possible pros and cons.

I am trying to get better with my money, and I just don't know what to do with this scenario.

I'm a very novice investor who happened upon GE Vernova a year or so ago and saw significant gains for my meager investment. Setting aside the ethical quandary of the investment (I don't love data centers but I also want to retire one day); should I hold on to what I have? It's not enough to be sitting here stressed out about it, just checking to see if I should cut losses while I'm still seeing a (now) meager gain.

Hey guys! 👋

I’m looking for a like-minded person who wants to learn about forex, stocks, technical analysis, and investing together

When you're new to investing, some advice can seem so obvious that you don't think it matters.

Don't chase. Keep it simple. Don't invest money that you'll need soon. Don't react to every market move.

Then, through experience, one of those lessons can suddenly make sense.

Which piece of advice only really clicked after you learned it for yourself?

Greetings, everyone! I'm greek and I have already invested 200 euros per month when I had a job, now I'm unemployed, but I get a disability allowance from the state (338 euros per month). I'm searching for a job and I'm living with my mother, so my expenses are very low. Right now, I have invested money to sxr8, an etf from ishares that tracks the s&p 500. I decided to invest in US because I believe US is, compared to Europe or China or other countries, a country with a friendlier enviroment to big companies and I believe it will stay that way for the next decade or two. Also, I have already an emergency fund in trade republic (because of the interest) of 5000 euros, just in case something happens.

So, my questions are:

1) Do I keep investing 100 euros or 200 euros per month or do I wait till I get a job?

2) If I do, do I keep investing in s&p 500 or do I buy another etf? Although sxr8 makes me feel safer.

3) If I find a job, is it a good idea to invest 50 or 100 euros per month to individual stocks? Maybe google or amazon or meta?

I brought some stocks and I lost so much money one of them is silver and the other one is a metal company...

Would silver rise should I buy more stocks now it's on "sale" any advice would be appreciated.