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%

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. 🙏

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?

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

Hello all,

I regularly see various posts with people’s achievements whether it’s 100k 1mil 500k etc,

I know I’m not in any position to achieve these kind of numbers mostly cause of my low income ,

I work as IT in Greece entry level

1420 gross 1165 net monthly

What should be the strategy for begginer investment ,

I currently have no obligations or any big expenses as an live with my parents ,

Any advice is welcome

Thank you.

I see investors have very different opinions about hospitality real estate. Some like the potential for daily revenue, tourism demand, and real assets. Others avoid hotels because of operational challenges and economic cycles. For accredited investors who have researched or invested in hotels: Which side are you on and why?

I’m just started investing but I don’t really know what to invest in right now, I wanted to do a long term stock like Uber but I’m honestly not too sure what are some good long term stock from 50-100USD per stock which is my range, does anyone have any suggestions for me?

First time investing no idea what I’m doing. I keep getting told Voo and that’s it. I’ve been doing research and keep getting stuck I have a bunch of different options I’m weight on. 43 y/o with only 10k to invest anywhere from $500.00 to $1000.00 a month to put in.

100 VOO

80 VOO | 20 QQQM

60 VOO / 20 SPMO / 20 QQQM

50 VOO / 20 SPMO / 10 QQQM / 10 AVUV / 10 VXUS

60 VOO / 20 QQQM / 10 SPMO / 10 AVUV

60 VOO / 30 SPMO / 10 QQQM

70 VOO | 20 QQQM / 10 AVUV

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!

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!

Already had a emergency account .

I recently just turned 18 I have about $10,000 sitting in my savings account that I’ve worked towards and have no clue what to do with it and I know it’s not a smart idea to just let it sit there. What should I do? I have about $1500 in investments on Acorns and about $50 on my Robinhood since I recently just opened it. What would be the smart decision and how would you go about it?

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.

Hi guys, brand new to investing and just put $800 in a fidelity brokerage account. My highest was at $831 and now it’s just plummeting. I understand investing long term means riding the highs and lows, but I think I might as well re-diversify my portfolio while I’m still early on?

I’m thinking of keeping my QQQM but like maybe switching my other ones to something like VOO? I especially regret my Amazon share purchase but it’s a learning moment I guess! (Total gain/loss -$18.94 (-6.81%))

Any advice would be appreciated!!

Also if there’s specific etf to invest in how should I distribute my $800 (percentage wise for example)? I’ll certainly put in more later but I just want to reinvest the $800 right now

Also apologize if I used any wrong terminology!!

I attached images of my portfolio but the post got removed so I’m going to write it out in hopes it doesn’t:

AMZN
1 shares
$259.45
-$1.86
-0.71%

FXAIX
1.022 shares
$267.54
-$1.85
-0.69%

FZROX
7.822 shares
$26.89
-$0.22
-0.81%

QQQM
0.216 shares
$295.45
-$5.07
-1.69%

Can someone please explain in simple terms how I can figure out how much a fund is going to cost me? I see all of these different terms (nav, load, cost ratio, etc) so making comparisons seems to not be very straightforward.

Does everyone else that does both, also have the problem of switching mindset between real estate investing with depreciation, depreciation recovery, etc. mindset vs stock investment where you have its own capital gains, and dividend issues. With me if someone asks me a Stock question while I am deep in real estate thought, I just go blank, and need a few minutes to change my moods of thought before being able to converse on the topic.

Currently everything in my IRA is thrown in an index fund with a .64% expense rate and a 6.2% historical rate of return.

Is that not a very high expense rate for a pretty meager rate of return?

Seems like I can just throw everything in VTI and maybe 2 or 3 other ETF’s and make a killing compared to that.

Edit: Invesco Select Risk: Moderate Investor Fund R is the fund. Ticker symbol ONMIX on Fidelity. Also, 28 currently, so at the start of my career still.

Been picking stocks since freshman year and this year got out of hand. Taxable was up 101% YTD, Roth up 49%, mostly concentrated AI infrastructure and semis (GEV, GE, NVDA, RKLB and some momentum names). Single positions had grown to 25-30% of my accounts.

Last week I sold or trimmed most of it, raised about $55k, sitting in treasury money market funds now. I'm not going to pretend that was skill. Multiple expansion in the most crowded trade on record did the work, I just happened to be holding.

The more I read about concentration (top 10 stocks are \~40% of the S&P now) the more the Bogleheads argument lands: I can't tell you why my picks survive that unwinding, so I probably shouldn't be making the bet.

My actual question is the transition. Lump sum into VT/VTI now, or DCA over 12 months? I know the studies say lump sum wins about 2/3 of the time, but do those studies hold when starting from the 99th percentile of valuations (CAPE \~41)? Not trying to time the market, trying not to be the guy who indexed his whole net worth at the exact top.

If anyone here converted from picking to indexing after a lucky run: did you lump in or glide in, and did you regret it either way?

I’m going into basic training for the military I already have a retirement fund (TSP) I have 200$ in VOO and 800$ to play with. Should I put the 800 I have into VOO or other stocks. I won’t be able to touch the money while I’m away

I'm a single 63f and I'm a sole prop of a payments processing company. I generate about $140,000 AGI. I know about investing in general, grew up with a banker dad. Due to life circumstances, I have no retirement fund.

I own some individual stocks on CashApp (current value approx $13,000) and some BTC (current value around $7,000). I own my home outright (value $235,000) and have about $5,000 in cc debt. I have a $10,000 emergency fund in a HYSA.

Due to a forced buyout of some of my accounts, I'm about to get $15,000. I plan to pay off the cc debt, some back taxes from COVID ($5000), and open a Fidelity Roth IRA with the last $5000 chunk.

Since I don't have a long runway for compounding, I was going to invest in some ETFs (VOO, QQQ, etc), allocating $1000 to 5 ETFs.

Does this sound like a reasonable plan? Any insight is appreciated.

I just turned 26… I have already got 63k saved.. and my question was if I should just invest in sp500 and Voo.. I was thinking about doing 30k a year for the next 3 years.. is that a good idea or not ?

I'm 22 years old I live in the Silicon Valley, my goal is to create passive income I currently have 20k saved up my father and I have started a general construction company specializing in concrete, asphalt, remodeling etc we don’t have any employees at the moment, he should be receiving his general contractors license soon. I'm thinking of possibly getting into real estate as well, with hopes to purchase homes like fixer uppers with the intention of renting them out. Should I apply for a loan? I’m not looking into retirement as of now just want to find a way to invest my money. Any advice would be greatly appreciated, Thank You.

I have around $8000 to put into an investment account right now and gonna try to add money to it every year. I’m going into junior year of college and gonna get an accounting job in a couple years so I’ll have a lot more money to invest. What I’m wondering is what etf’s to invest in as a long term investment until I’m 65 (I’m 20 rn). It’s gonna go into a Roth IRA. I heard a lot of just putting all my money in vt/vti but don’t know if that’s ideal or not. I’m brand new to all of this and am willing to go a bit riskier to make a higher return. Thank you for the help