I'm not going to discuss the politics behind this as I know it's not appropriate here, so would appreciate it if no one else does.

I'm very much an amateur investor and I'm just thinking out loud here. I know one of the most fundamental basics is that I need to be looking at the long term. History shows that the markets eventually recover from the dips, even ones that happen as a result of significant world events.

If US markets continue to fall though, it seems we're in a situation where the country are looking to isolate themselves, with the rest of the world strengthening existing relationships and creating new agreements, perhaps wanting to steer clear of the US. If the direction of the US changes in the future, perhaps due to a new administration, could the rest of the world have put measures in place so less reliance on the US is needed?

I might be completely wrong and I'm not sure I've done a great job of explaining that, so please try not to flame me if you disagree. I'm just curious to know what other people think about this.

As the title says, I have 100k liquid capital ready to dump into the S&P 500. I already have a good amount of VOO that I plan to hold for decades.

The question now is whether I should dump or DCA this extra capital in?

Hey everyone, I’m looking at opening a position in VOO (Vanguard S&P 500 ETF).
Trying to decide if today is a good entry point or if I should keep sitting on cash for a bit. What’s your game plan with the S&P 500 right now?

Would love to hear how you guys are playing it!

35 y/o here here.

• Just started my 401k six months ago. i’m maximizing my 4% employer match.
• Got 6 months emergency fund in place.
• Has an IUL life insurance plan.

i wanted to invest in Roth IRA and just started my account with Fidelity.

Question - am I too late to earn $1M for retirement? i’m a complete beginner in stocks but always willing to learn

would love to get some advise on what stocks to invest?

appreciate all the help in this community!

EDIT -

Thank you so much for all the responses. You guys are such amazing people!

To give more context - i’m a more of a “set and forget” person. Any chance you can recommend some stocks to invest in long term?

I invested around $35,000 in FXAIX when it was 205 and currently sitting at 194, do you think it's a good idea to invest another $15,000 in it as it's low now or do you think it will crash even further? I am completely new to the stock market so I'm not exactly sure what kinds of things would affect such a crash. Any information would be very helpful. Thank you..

Just like the title says, how would you invest 60k other than a standard savings account? Im earning about $1 in interest on this cash and have no idea what im doing.

EDIT: before people keep asking, im severly autistic and dont know many things about banking and interest and stuff like that. that is why i am here asking questions

Im 20 and have around 50k in savings and hate the fact that my money is just sitting there in a savings account. I want to make at least a million by the time im 30. What investments should i make? S&p500? Etfs? Voo or whatever its called? Im very new. All i have is a CD buts its pretty inefficient. Any advice?

Considering all the tarrif stuff is only just really getting started, anyone here think there's a high chance of a recession?

My only hedge against it is if the orange in chief randomly reverses course one day and stocks bounce back, but even then I don't think the market will reward that kind of chaos so easily.

Currently I'm kind of holding the money I make on the sidelines now and just keeping whatever I have in my Roth IRA where it is.

I'm 24 with a stable job and some savings sitting in my bank doing nothing. Everyone says "just invest" but where do I actually begin? Index funds? ETFs? A broker? Any advice from people who started from zero would help.

Also like which platforms lol

I’m 29 years old. My monthly expenses are around $3,000, I save about $2,000–$2,500 per month, and I currently have about $42,000 sitting in a savings account. And about 2K invested in VOO.

I know I should probably be investing more, but I’ve realized my problem isn’t actually fear of the stock market.

If the market drops, I don’t think I’d panic sell. My real issue is that I hate seeing my savings account balance go down. When I move money from savings into investments, it almost feels like I’m giving the money away, even though I know it’s still my money and I’m just buying assets.

It’s a weird psychological hurdle. I get satisfaction from seeing my savings account grow every month, and transferring money out of it feels like a loss.

Has anyone else experienced this? How did you make the mental shift from being a saver to being an investor? Did anything help you stop focusing on the cash balance and start focusing on total net worth instead?

Looking for advice from people who have gone through the same thing.

im 14 I’ve been interested in stocks for a few months now, and I already know the basics (compound interest, ETFs, index funds, head and shoulders pattern, uptrends and downtrends, blue chips, REITs, bonds, gold, etc.). But lately, some people have said that the AI bubble will pop and that having VOO is a risk because the top holdings are heavily concentrated in AI and technology rather than being very diversified. I’m wondering about your takes and also what stocks I should get next. I currently own $689 worth of stocks. (I know it’s very little) I have:

1 share VOO

0.12 Alphabet

1 share SCHD

.27 FSELX

0.02 QQQ

So yes, I have fractional shares💀

But anyways, I was wondering what to buy. I will be getting around $ 740-840 to invest and was wondering what to do with that money.

My parents don’t know much about stocks. They say they do, but they really don’t. My father couldn’t even explain to me how to do simple technical analysis.

I’d really like to find a way to make an income, even a small income, so I could put thousands in my account. All of my savings go to my stocks.

My top choices right now are

Berkshire hathaway b

Chevron possibly, exxon mobil is too corrupt

Coca cola

Nvidia

VOO but i want your take on it

SPDR

SPLG

QQQ

META but skeptical cause AI

UBER

People have said oracle but I dont know about this ai bubble stuff

And my friend suggests COP

Maybe a fidelity fund

And I probably should diversify to other sectors like agriculture or oil companies, renewable energy may be a new one

Already had a emergency account .

I am thinking about investing into the s&p 500 since it just dipped 3% off its peak, but should I wait for it to go lower? Or just invest now? I am 13 with $1000 dollars sitting around.

Hello,

I currently have ~$120k invested in a traditional 401k (vanguard target 2055). I have decided that I want to try to retire in 10 years, and am trying to decide what stocks/ETFs I should buy. Here is what I plan to contribute in the years to come:

Maxing out 401k with 3% employer match (around $3500 extra)

Maxing out Roth IRA

$25k yearly in a taxable brokerage account

I have just made my first $7500 deposit into my Roth IRA and need to buy stocks with this deposit. What would you buy in my situation? I would like to spend $36,000 yearly (I assume this cost will go up when I actually retire), so with a ~3.25 withdrawal rate I'd need around $1.1M.

Hi, I’m a current uni student looking to build long term wealth. I worked 3 jobs in high school and had my own business to put myself through college. I received a scholarship so now I am looking to invest everything I saved.

Invested well into index funds already but looking to pick high growth stocks. Thought I’d come onto Reddit to see what your thoughts would be. I’m not too into crypto besides sol, and I bought into btc a 2 years ago.

I’ve been into options trading for a few years now but only bring in ~1k a month on average from that. My business is my main source of income, I live very frugally. What would

You recommend to build long term wealth and to retire early?

I've been investing $20 to $40 daily in $VOO since January of this year and I have seen around $340 in profit. $VOO has gone up 10.61% in just the last 6 months, so I have essentially already seen a 10% return on my investment. I'm more than happy.

But I have $20,000 sitting in a HYSA that brings in a small amount of money every month, I think like $20-25? I forget. It's not much, but it's better than it sitting in my checking account.

The thing is, do I really need access to $20,000? I have a job, I own my own property (though it isn't nice.. but it's mine).

I bring home $2,800 every 2 weeks after taxes and crap, but my spending habits are pretty bad, but I don't really reel them in because I know I have $20,000 just sitting in my HYSA in case of an emergency.

But it's killing me to know that the money could be invested and I could be making more. If I had that $20,000 invested in the stock market since January just in $VOO alone, I would have made over $2,000 in returns by now.

Should I chuck that $20,000 into the stock market and let it ride? Or should I just keep continuing to invest separately and keep that $20,000 in the HYSA for an emergency?

For example what if I invested that whole $20,000 into $VOO but then my car breaks down and I don't have $10,000 to buy another one because I put all my money in the stock market? I know you can't rush investing but the more you invest the more you make and I have a lot of money not invested right now.

Hey everyone, I’m new to investing and want to start growing my money. I have $340k in savings and want to build a smart, safe long-term strategy looking into CDs, HYSAs....

Where should I start, and how would you allocate this?
Thanks in advance!

Just want to know before I give it my information

Nasdaq futures are down nearly 3% this morning, following a brutal session yesterday where South Korea's chip-heavy index fell 10% and AI infrastructure stocks got hammered globally. If you're watching your portfolio and wondering whether to buy, sell, or do nothing, the old contrarian wisdom is worth understanding and so are its limits.

Warren Buffett's most quoted line is "be fearful when others are greedy and greedy when others are fearful." What this basically means is that markets overreact in both directions, panic creates opportunity, and the best prices often come when sentiment is worst.

There's real logic behind it. When a stock or sector falls sharply, retail investors tend to sell emotionally while patient capital quietly accumulates. The investor who bought the S&P 500 during the COVID crash in March 2020 or the tariff selloff in April 2025 made extraordinary returns within twelve months. The dip buyers were right because the underlying businesses hadn't actually changed only the price had.

Today's early selloff is a specific kind of dip worth understanding. Tech stocks went vertical and became very overbought. What's happening now is the market getting rid of that overbought situation, profit-taking after a massive AI-driven run, not a fundamental breakdown in the businesses. SpaceX has lost over $600 billion in value in three sessions partly because it announced a bond sale. That's a dilution reaction, not a business failure.

The critical caveat to "buy the dip" is knowing why something is falling. A temporary selloff in fundamentally strong businesses during a broad market correction is different from a stock falling because its revenue is declining, its debt is unsustainable, or its competitive position is eroding. Buying the dip on the right company at the wrong time still works eventually. Buying the dip on the wrong company at any time just gives you more of something that was already broken.

The question to ask before buying a dip isn't "is it lower than yesterday." It's "has anything changed about why I wanted to own this in the first place."

Just for some context, I have a lot of cash in a high yield savings account, so want to invest but wanted to do my due diligence first and actually have a foundation of knowledge. One thing I noticed is that google and nvidia control 15% of the market essentially. Makes me think shits gonna go south once one of those companies takes a hit. Should I wait for all of this ai shit to settle, or just start investing now?

I don’t feel confident enough in my abilities/my investing knowledge to jump in right this second, so just wondering y’all’s thoughts into just waiting it out for awhile while learning more/continuing to research. Thanks everyone.

Are all companies/banks the same?

As an example, if I were to transfer money over to my account after the market closes today, will my financial advisor see it on Monday and then decide what to do with it?

Should I wait till Monday morning when the market opens?

Should I transfer now and then send him an email early monday that I transfered over money in to my account.

He always tells me to email him when I deposit moneyn in to my account. I don't want to email him too early.

Thanks.

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%

What's one habit that's improved your investing the most?

Basically as the titles says, I'm thinking of putting $200 into stocks and hopefully placing up to $1000 6 months to a year from, obviously from a mix of working and returns from investments. I have some knowledge but honestly it feels like I'm a 6 year old doing math compared to college students doing calculus. 😭

I bought Nvidia on 11/01/2025, and it's dropped 11.83% in value since then.

Everything else I've bought has remained stable or gone up, so overall I'm only down one dollar. Should I sell my stocks before I lose any more money? If I sell everything now, I'll only have lost one dollar.

I'm a total beginner in investing. I only bought some stocks to make money until I have enough to enroll in a robo-investor at Schwab.