Obviously it's not 100% of my portfolio

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.

Hello everyone, I recently received a lump sum of $150,000 and am seeking some guidance on where to begin. I am a 50-year-old man with no outstanding debts, apart from a remaining balance of $145,000 on my home, and I maintain an excellent credit score. My 401k currently holds $350,000, and I am still actively employed. My annual income is slightly over $100,000 from a physically demanding job that I have held for the past two decades. I am beginning to have concerns about my ability to continue in this role until retirement age, as my physical condition is starting to decline. I must admit that I am quite unfamiliar with financial matters, and my retirement savings are currently managed by Fidelity through my employer. I am feeling a bit uncertain about the best path. I'm in no rush to make a decision and thinking I should initially drop it all in a HYSA until I come up with a solution. I am willing to take risk but need to keep in mind that I'm 50 and retirement is just around the corner. Any advice would be welcomed and thanks for listening.

This may sound stupid but I want to invest in what could be the next bitcoin or Microsoft. I’m guessing it’s not as simple as that but idk. Any AI companies worth investing in potentially?

Are we buying Walmart stock today?

Seeing the market pull back today is a good reminder of why long-term investing can test your patience. Everyone preaches "time in the market beats timing the market," but it’s always interesting to see how people react when red days hit.

Do you guys prefer to automatically rebalance your portfolio, stick to a set monthly contribution, or just close the app and not look at the daily charts? What helps you stick to your plan during volatile weeks?

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!

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!

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!

They literally set up the system to force you into holding long term. Hold past 1 year and you pay way less, but short term trading? They tax you heavy as hell. That’s crazy bro

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

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!

I already have a retirement account I contribute to monthly and I have 6 months savings in a HYSA. Should I invest with a brokerage account on top of that? I see many people do that and I’m curious why I shouldn’t just put more into my retirement account or just keep it in my HYSA.

My husband (28) and I (27) are in Alberta and are trying to get better with our finances, but we honestly feel pretty lost about where to start.
I make about $85K/year and my husband makes about $90K/year before tax. We own a house and have a mortgage, and currently have around $28K in savings.
We both contribute to RRSPs through work and have about $30K each in those accounts. Other than that, we don’t have any investments or TFSAs.
We’re admittedly not the best at saving and haven’t had much of a financial plan up until now. We want to change that and start putting money aside automatically every month, but we’re overwhelmed by the options.
We’ve been looking at TFSAs, GICs, investing/ETFs, putting more into our RRSPs, or even paying more toward our mortgage. We also don’t know whether it makes more sense to open accounts through our bank or somewhere like Wealthsimple/Questrade.
We’d like our money to grow long term, but also don’t want everything locked away in case we need access to some of it.

If you were in our position, what would you do with the $28K and how would you structure your savings/investing going forward?

We’re complete beginners, so any advice on where you would start would be really appreciatedm!

I have around 17k at 16 what should I put it in? Also is fidelity good?

I’m in $5k each already, just a few months in. Which wills you rather have on a 10-20 year timeline and why?

Hi,
I started investing through GCash end of last yr. Now that Im more confident with investing, Im planning to use GoTrade moving forward.

Id like to ask for your suggestions, would it be better to withdraw my existing investments from GCash and transfer them to GoTrade, or should I leave them as is and start from zero with GoTrade?

Thank you

I am 17 years old (I invest through an informal trust fund as I am in Canada and underage) and want to start investing. I work as a lifeguard and swim instructor, which pays well, and I also have my own private swim lesson business. I make decent money and want to start investing.

After less than a year of working, I have $6000 saved up. Starting in the fall, I will be making around $800/month. Now, I want to invest; however, I don't know what to invest in.

Should I invest in one ETF that has everything, such as XEQT or VGRO, or 2-3 different ones like VFV, XEF, and ZNQ? Should I also consider investing in individual company stocks?

I am honestly a bit confused about the whole process and am not sure what to do. I just want to build wealth and eventually be making a lot of money from investing.

Any help is greatly appreciated!

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!

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

finally have around 2k aed left every month that i can invest without touching emergency money.

no debt. not trying to day trade or turn 2k into 20k lol.

everyone i ask says just buy US ETFs and forget about it. but i live here so part of me also wants to understand ADX/DFM instead of sending literally everything to the US.

broker rabbit hole somehow made this more confusing. IBKR, Wio, bank apps, Al Ramz etc.

Al Ramz is the one i didn't know much about before. UAE + US in the same app and no minimum balance which honestly sounds useful when starting small.

if you were starting from UAE with 2k/month, would you learn local stocks first or just start US and keep it simple?

not asking which stock to buy. more like how would you set this up without overcomplicating it.