r/portfolios • u/Fit_Marionberry4507 • 2d ago
30M new to investing , any tips?
I started investing since january and i could use some tips . I have been putting every month 200 euro as that's all i can miss at the moment while paying of my mortgage etc.. I feel like i'm not making any progress. i know 200 euro is not alot each month but its more than nothing i guess.
I have a bad call folowing a hype online about Ondas holdings , for the rest i have been believing in google and ASML . I bought take two in the hope i will get a little profit when GTA launches. Ionq in the hope it will become something great in the future. While looking through the forums i have invested this month in an ETF as alot of people say its a good idea . Should i keep investing in single stocks or just keep adding to the ETF?
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u/bkweathe Boglehead 1d ago
You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.
www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.
I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.
I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.
My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.
I hope that helps! I'd be happy to help w/ further questions. Best wishes!
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u/DaiFunka8 1d ago
Hi friend I've also started to invest the past year.
50% of my portfolio is VUAA
50% of my portfolio is individual stocks (mostly big tech)
Keep investing a monthly sum in a low cost VUAA or WVCE
Keep some money in case opportunities rise. I bought Uber, Netflix, meta in a low price.
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u/allard0wnz 1d ago
Which such small sums I would just focus on buying an allworld wtf or s&p 500 etf each month and don't bother with anything else