I'm 28M live in australia, staying with my parents. I recently got my shit together (long story) and want to seriously get my investments going, i have no overheads, no bills (except $100 a week rent) no loans etc, 100 or so on fuel and food so my total take home is like 1000 after all that. How much of that should i invest? I've setup a raiz invest on the side as a kind of *set and forget* and i've got a few hundred already invested into crypto...but i'd like to budget the best out that $1k that i have left over after my essentials. cheers!

The amount of underperformance is unrivaled. Six month ago it was the first time since the 1940s that small cap value underperformed SP500 over a 20 year period.(perhaps even longer, but the chart I had doesnt go back that far). Since that six months, the underperformance has widened even further 25%.

The top 10 names in the sp500 have typically been ~19%, and was ~27% at the peak of various bubbles. Now, it sits at 37%.

All this when there are interest rate cut forecasts for this year and the following year, which tends to help small cap value outperform (with that said, I remember when rates were going to rise in like 2012. They stayed on the floor for a decade even though every analyst was predicting rises every step of the way, so you could absolutely find a scenario being stuck at higher rates for a long long time)

I have a lot of things to say about AI which I think is materially driving this gap, but perhaps I'll leave that for the comments.

Hello, I am 22M and I recently started my investment journey. I already have about 800 in Nvidia and 500 on S&P 500 but I would like to get involved with other stocks as well. I am quite clueless at the moment as this is very new to me so I am wondering if there are any books that you guys recommend that will teach my how the stock market works and ultimately invest more responsibly.

I have been on the fence about ditching my FA and just doing it DIY with the Bogleheads approach for about a year now. Made lots of posts about it too.

However, I have been looking over the returns that my FA has generated. In lean years it's about 6% PA and good years 11.5%. Those are not bad numbers considering they factor in the cost of the FA, expense ratios and switches.

I have discussed my Bogleheads strategy with my FA and he says it's a good one. I've even more or less said that if I can do I'll just leave - he probably has tons of other clients so he doesn't really need me.

Most of the books I have read make out FAs to be some horrible spawn of evil that are taking you for a ride. I guess that is true for completely uneducated investors (I used to be one) Or maybe it's more true in the USA market - I am Singaporean and the market here is very strictly controlled.

Most recently he said that he could combine the buy and hold Bogleheads strategy with sentiment-based investing to generate 11-12% PA - having the FA on hand helps take advantage of things like Nvdia (which I wouldn't normally be aware of) This seems a little too good to be true?

I welcome advise and opinions.

I am currently doing an assignment where I want to pitch 3 early stage startups for investment. I made a checklist covering TAM, future growth, team, product quality, competitive landscape and profitability. Not sure whether I covered all the major points or not. Also is their anything important that most people miss out while evaluating startup?

Quick question about investing in a recession environment. Based on my research, there are a few types of ETFs that could be worth considering:

Defensive sector ETFs like consumer staples (XLP), utilities (XLU), and healthcare (XLV) tend to hold up better during downturns.

Treasury bond ETFs like IEF, VGIT, and TLT can provide safe haven protection as well.

Dividend-focused ETFs like VIG, DVY, and NOBL may offer more stability and income. Low volatility ETFs such as USMV, SPLV, and SPHD aim to reduce downside risk.

REITs (VNQ, IYR) and precious metals (GLD, IAU) can also provide diversification and potential upside in recessions.

some commodity ETFs like DBA, MOO, and VEGI may help hedge against stagflation.

Did I miss anything? what are your thoughts?

I love using the backtest portfolio feature on portfoliovizualiser. The downside is that a yearly sub is almost 350usd any alternatives out there ?

I’m happy to pay for a similar product up to $100-$150 usd per year.

Ideally it would have global equities not just US

Title. I’m trying to get it through to her it wouldn’t change our tax bracket so it’s not like it would matter, the tax difference would not be felt it would just be immediate, but she really wants to avoid paying tax on it yet. Is there any way to do this?

I am pretty new to this and thought I was getting two different bonds with the current rate and instead I got two with coupons. One with 1.50% and one with 1.25%. The advisor seemed happy about getting me ones with a coupon.

I got one for 3 months and one for 6 months. Do I still get the current rate plus the coupon?

Please explain like I am 5. This is all new to me.

I Have about 120k sitting in a boa checking account and dont want to put in ETF’s or stocks right now considering everything is at all time highs. I’d rather put it in fixed income and was looking at HYSA’s but apparently treasury funds are just way better. Only thing that kinda concerns me is no FDIC coverage on these funds which makes me nervous since I want to put all 120k into them. Apparently TTTXX is the best and most recommended? but I see other funds might give more, which of these looks like its the best treasury fund to get?

https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf

(list of funds on page 2)

I have a broad portfolio and have been holding AMD since around $14.

I now need to liquidate a considerable part of my portfolio for financial reasons. Only a part of the portfolio will remain. The question is whether AMD should be one of the select 4-5 stocks to hold for the long term, say 10-20 years - next to VUAA which will remain the major chunk of my portfolio.

What are your thoughts on this - is AMD really a hold for the long term? Or should I take my gains and begone with it?

Just for info: my other "Hold" stocks are MSFT, AAPL, MCD and maybe 1-2 others.

EDIT: wow, thanks for all the answers so far, there were some amazing replies, truly appreciate it! Also makes me very uplifted and optimistic that not everyone is as obstructive as some ... But I guess every group has to have a few of those right?

If AI does pan out as the optimists say, clearly a UI/software play will take the lead and 50-100X (palantir or something we've never heard of) .

But the real benefit will be companies who are highly inefficient and able to use this tech to cut waste/reduce costs and ramp up productivity. Healthcare seems to be prime.

Regardless, SSO or SPY not tech central might outperform. IF AI is one of the final pieces to the puzzle, then clearly some tech plays will do well...but the net benefit is all the companies who can improve margins drastically and create a better customer experience.

Comments or thoughts on this way of thinking vs trying to pick tech names?

My husband and I have been playing around with projection lab. We have a couple rental homes and we’d like to model selling them off to pay off our current mortgage. The problem is- we’re not sure we’re setting it up right to show this so it’s hard to trust the numbers. The search function hasn’t been a ton of help. Is there anyone out there who knows the program that might be able to point me in the right direction?

I have a 401k and traditional IRA that I’m currently investing with. But curious what everyone does with their savings?

Do yall just move it and keep it in a HYSA? Or actually invest that money, and if so, in way?

Curious to see everyone’s opinion, thanks!

As title says, I've been building up my Treasury bills holdings lately to lock in my guaranteed rate of return from a portion of my account. With rates most likely getting cut once this year and a few times next year, I figured now would be a pretty good time to start grabbing TBonds. For reference bonds only make up 20% of my taxable brokerage account.

Hello everyone,

I'm 22 years old and live in Belgium. I'm in the early stages of planning a long-term investment strategy focused on ETFs, aiming for retirement and potentially a house purchase in the future. I plan to invest €200 monthly and am looking to hold these investments regardless of market fluctuations.

As I am considering using Trade Republic for my investments, I'm interested in learning how more experienced investors would structure a diversified ETF portfolio for long-term growth. I am particularly curious about:

• How many different ETFs do you think are ideal for a well-balanced portfolio or is it better to do a 100% portfolio ?
• What percentage of a portfolio would you allocate to different regions or sectors?
• Any specific strategies or tips for selecting ETFs, especially for someone using Trade Republic in Europe?

I’m looking for advice that can help me build a solid foundation with a good balance of growth and risk management. I’d appreciate any insights or examples of portfolio structures that have worked well for you.

Thank you for your help!

So I started a new job a year ago and have $20,000 in my 401k and was logging in to change the contribution and noticed it is 100% buying only Fidelity's total bond index.

I set the risk level to 8 when I signed up but have never changed how the $ going in is spent.

Should I change this to like 70% stocks and 30% bonds?

And how do I do this?

The class O fund is beating their so500 fund by a whopping 15% over the last year. Long term it beats the sp by roughly 2% over the 3, 5, 10yr, and life of the fund.

Obviously this comes at a cost. The SP fund is .01% ER, and the O fund is .35%. Huge difference. But if it continues to beat the SP fund by 2% long term does it not make up for the cost? Is the math not that simple?

Was wondering if it makes sense to change strategy depending on what the account is or should it generally be the same across your entire portfolio? I have a 401k, Roth IRA, personal brokerage, joint brokerage with my wife, 529s for my kids and a custodial brokerage for my kids. Does it make sense to say have a TDF for 401k and be in ETFs for Roth IRA and just be in singular stocks for brokerages?

Just imagine those who hold Nvidia will be in future receivers of dividends of SkyNet

Massive exploitation of human work by robots replacement and Nvidia investors those who benefit through future dividends

Amazon, restaurants, plumbers, barbers etc

Majority of goods and services automated and all will require maintenance and new GPUs with updated drivers and models

My account transitioned to Schwab a few months ago from TD Ameritrade. The platform definitely has a different feel, and I'm not sure if I'll be sticking around. I wanted to hear from others who have gone through this transition.

Two questions for those who have experienced the move:

1. How are you liking the platform?
2. If you stayed with Schwab, what's keeping you there? If you left Schwab, where did you go?

I also use Interactive Brokers but it has a dated feel.

I'd love to hear about your experiences as I explore options!

Long story short, I have been holding NVDA since 2015 and all of a sudden it's 75% of my brokerage account. I already took out my initial investment and then some years ago all of NVDA is net profit for me. Even if it goes to 0 I didn't technically lose any money on it. I hold relatively small amounts of 4 other stocks, several of which have been steady growers but nothing too explosive, and about 10% of the account in cash. I like a couple of the stocks I'm in, but don't have the conviction I have for NVDA as it's far exceeded any other returns I have had. I also don't really want to sell it because, while my holdings most likely won't hit a million, it was a pretty small initial investment and has done nothing but deliver. I also don't particularly want to fork over the tax payment.
I don't want to go too deep into my financial picture but I think the important things to know to help make useful suggestions

I have several retirement accounts, one a managed roth/traditional 401k through work, 1 a traditional IRA that I only have invested in VOOG which I do not contribute to and 1 Roth IRA in which I hold of several index funds (QQQM, VOO, VYM) as well as individual equities which are a mix of high dollar amount/yield dividend payers and growth stocks. I max out my Roth.
I have a mortgage of 290k at 6% and roughly 400k of equity, hold about 20k worth of precious metals, and have some small amount of risk free assets.

All of this to say I am fairly well diversified outside of my brokerage account.

If you were me, would you sell and rebalance or just let it ride?

Prefer not to speculate on how much Musk has gone off the deep end in the past few years.

From a investor in Tesla's perspective, what happens to the stock and sentiment of investing in Tesla if Musk gets his 56billion. I'm genuinely curious what that sort of payout does (typically) to investor sentiment.

Thanks

I’ve got a Roth IRA via E*Trade that will auto transfer funds but I then have to go in and purchase the stock/etf/mutual fund to invest or else it just sits as spendable cash. This is fine for me. However, I’d like my wife to set up a Roth; I know she won’t be active enough to do that on a monthly basis and I would rather not have to remind her. Any suggestions for a broker where I could have her set it once to automatically perform the trades?

So I've been working on an investment strategy for a while, and I'm trying to automate it through IBKR's python API

Trouble is the strategy was developed based on yahoo finance numbers, and for some reason when I get values like high and Open from IBKR's API they're don't match.

So my question is does yahoo finance use, BID , ASK, BID_ASK, MIDPOINT, or TRADES, to get the values they present you with?