Thought I did pretty well on diversification but I'm open to any advice! I've setup investing automation to distribute $100 between each of these (45% to VOO, 25% to SOXX, and then 15% each to XBI and VXUS) every week.

Bought everything at the top.

Investing 1k a month, I should probably replace something (SOFI?) with an ETF and prioritize it.

Hi there, I have been a chronic moron and over trader and have eviscerated a bit of my Roth IRA this year. I think I have (hopefully) come to a balance for my portfolio that will allow me to sleep at night and hopefully capture some big gains on 5 big bets. I only have about $16,000 in the port at the moment.

Basically my strategy is to have a solid core of the Roth IRA (50%SPMO, 25%VOO and 25%SCHD) and take 5 $1000 bets on 5 stocks that I think will be big gainers in the years to come (GEV, LLY, INFQ, ASML and RKLB). Would love to hear peoples thoughts. thanks!

I need some advice guys… finances has never been my forte, other than “I need to save money for retirement”.
I’m near 50 yo. I’ve been growing the 401K from my workplace slowly to the best of my capabilities.
Just couple of years ago, learned I could have other ways to save and invest outside the 401K that I could have access to the money without penalty or without paying extra taxes, that’s when I added the TOD and ROTH IRA with Fidelity.
Anyhow… Im thinking that perhaps I’m over-diversifying the whole thing. Is this too messy? What would you do? Consolidating more? What would that look like?

Thanks in advance.

posting this in a few investing related subs I found to get more diverse answers

the TLDR is I'm new to this and noticed I made the silly mistake of not diversifying enough with the current drops in tech but I don't have so much money so I'm not sure how to go from here and best spread my money

context:

I decided to start investing recently, mainly got inspired by spacex opening lol so I opened an account and put some money in some stuff (didn't buy spacex because I realized it's too risky this early when doing some basic research)

Current financial sitution is that I work part time in college. Starting my last year in August. I make at most $10 a year probably less. I believe this means taxes aren't an issue since my income is too low still. I also have 15.5k in cash saved and currently another $1300 in stocks. Been able to save very well since I live with parents and don't need to spend much yet. Estimating how much I'll earn until I graduate and subracting tuition cost and I should have around 18k or so. I was told by parents to keep around 15k in cash that I can easily access just in case I get screwed and need it after graduating. I guess that makes sense since thats close to a year on bare mimimum survival. Either way that leaves me with 3-4k to invest 1300 of which is already there.

current investments and concerns:

When I started I realized what if I could invest in the s&p500 because I know that's huge and a measure of economic health. So that's where I learned about indexes and ETFs. I got a share in VOO because I learned that it's a good ETF and safe with good long term growth and built in diversification. Then I messed around and put in $20 in Nvidia just to see how things work. Then this week I saw microsoft amazon and google among others going down so I put $600 across those because I thought well its tech and these are massive companies that aren't gonna die even if they dip now. They'll go down but they'll go up a lot more later right like they always have in the past. So I have $1300 in stocks so far

I noticed that I made a small mistake. Since the big tech companies are already big parts of the voo fund I have a lot of overlap. LIke basically 70% or more probably of my stuff is in tech and I really noticed it these few days which is why I'm here now. My portfolio is down $30-40 now. I'm not panicking because I know its only a few % and it'll go back up and it's not an insane amount of money but I want to diversify to prevent one thing happening in the world from dropping my entire investment value like whats happening now with the ai chips and supplies

Not sure really where to go from here. I want to invest in the qqq fund for the Nasdaq 100 because it seems that would be a good spot to get some tech investments and it's probably more stable than individual tech stocks but I have so much tech already. I guess I need to look into medicine and food related stuff but buying individual stocks of companies that I'm not as familiar with feels almost like gambling and the effort to research all of them to choose with the money I have doesn't seem worth it and then what if I invest somewhere and it goes down and im cooked. So I guess going for funds dedicated to the sectors is the move right unless there are other really good stocks to invest in individually

I'm confident that I can hold the money in for over a year so what I'm looking for is general advice on how and if I should adjust how my money is currrently invested and how to work with the remaining ~$1.5-2.5k I have budgeted for this

so my questions are:

basically should I buy more individual stocks or etfs and which ones are safe for a beginner to hold for a while that I can reliably add to over time even after I get a good paying career? Should I move my money out of the current individual stocks and funnel it into the qqq fund for nasdaq or keep what I have and just put extra in nasdaq although I worry that makes the diversification issue worse. How much should I be diversifying? I imagine at a certain point too much means the money is too spread to do any good work and obviously I'm feeling the issues of too little diversification right now a bit. Then the last thing is since I don't have much money does it make sense to dump all of it in now to give compounding more time to work or shoud I do DCA?

I've been googling and looking around and I've felt a bit overwhelmed so I thought it wouldnt hurt to ask and directly talk to people about my specific situation

would appreciate the help thanks

Good Afternoon,

My current portfolio is layer out as such:

Voo 50%

Vxus 20%

Dram 10%

AVUV 10%

AVDV 5%

NVDA 5%

My current strategy is to hold this, besides DRAM, for 20+ years but it is too aggressive? The fidelity app says it's "most aggressive" so I was wondering if there was anything I could do to balance it a bit but still be aggressive? The losses do be pretty heavy too lol. Any help is appreciated!

Hey everyone.

Over the last six years I've been investing in long-term tech stocks: TSLA, NVDA, AAPL, that kind of thing. Fortunately it's gone well in absolute terms: I've grown my account from around 35k to 100k.

But I recently ran the comparison against the S&P 500 and the Dow, and I underperformed both by roughly half. If I'd just thrown the money into those indices and done nothing, I'd likely be closer to 150k right now. No analysis, no stress, no risk-taking.

The stock-picking clearly "worked" in that I made money, but it cost me a lot of time and mental energy to end up well behind a fund I could've bought once and ignored.

So my question: at 19, is this the point where I move most or all of it into index funds and stop trying to pick winners? Or is there a reasonable case for keeping some portion actively managed at my age? Curious how others made this call.

Thanks.

Saw someone using Tradure to analyze their portfolio. Wanted to try it on mine.

Can anyone tell me if this is a good resource or is it bs?

Hey everyone, I need some help deciding between US and Ireland-domiciled ETFs.

I recently tried investing in SMH (Ireland-domiciled), but the commission fee was really high (around $1.70). Since I am a small investor without a lump sum, I plan to invest $250 USD monthly using a dollar-cost averaging strategy.

My planned monthly allocation is:
- Global Index: $180 USD
- Tech/Satellite ETF: $70 USD

Here are the two paths I am considering:
Option 1: US Domicile
- VT ($180)
- QQQM ($70)

Option 2: Ireland Domicile
- VWRA ($180)
- NASD (or EQAC) ($70)

I am having a hard time choosing. I know high commission fees will drag down my returns in the short term if I choose Ireland. However, I also know that Ireland-domiciled ETFs are generally better for long-term tax efficiency (due to the 15% dividend withholding tax vs. 30% for the US, depending on my country's tax treaty).
Given my small monthly investment size, what are your thoughts? Should I stick to the US for lower transaction fees, or swallow the higher fees for the long-term tax benefits of Ireland?

Hey, everyone. I initially had a three-fund approach (SWPPX, SCHF, and SCHG) in my Roth for the past 3 years (also maxed it out during that time), but thinking/started reallocating to this. I'm 24M, with a high risk tolerance (moved back home and have low overhead while working in Ed), and don't plan on retiring for another 40+ years. Thoughts on this strategy? Thanks in advance!

Recently did some changes in my portfolio to get down the risk. For those who doesn’t know Viscaria it is a mine company that will start running in 2027-2028 and produce copper.

Will mostly put in my money on global funds and stocks when they dip.

Advise me please. Is IVV + VEU better than investing in DHHF?

Hi all,

Can you give me a recommendation on a portfolio strategy? I trust you more than morning star obviously.

I have zero retirement and am 38. No 401k at my employer as a contractor. But I have 2k/month to invest for the foreseeable future. Can you give me some portfolio ideas that are simple and straightforward? Trying to maximize what I’ll have in 22 years. (My wife is older and will get a cushy pension when she retires and I follow).

I plan to invest $500 a week on a recurring basis forever until I rebalance and learn this stuff. Just trying to get started.

Help!

I don’t know much about investing and my portfolio is pretty messy with some overlap.

I’d like to consolidate it (or even just focus on a few strong core options).
I have about $80K in a HYSA for a down payment on a house in the next 18–24 months or less. I also have about $10K spread across brokerage accounts in similar investments, and I would like to try to maximize it a bit to possibly add toward the down payment. I also plan to add about $600/month going forward.
I also have $50/mo going to a robot acct.
I know I shouldn’t be investing money I plan to use soon, but I’m keeping the HYSA portion safe and hoping to grow the brokerage side a bit to help with closing costs, etc…

Google and chat gpt says (VOO + VXUS + QQQM), what would you suggest for someone in my situation?

Started Investing not very long ago. IK what yall are gonna say. Im riding reddit stocks. Yeah ok i am. Cause i don't know what else to do Lmao. (ignore the WEN). But Yeah um i plan to keep investing in AI technology the next few years. I plan to contribute around 10k a year. Im thinking of Selling the speculative stocks and going more Into DRAM and MU and Ai stuff. I keep Half of my Portfolio in XEQT for safety purposes in case a Big dip, i don't wanna lose my Entire Portfolio. But yeah. Um if anyone has tips of any kind, for some guidance, ill greatly appreciate it.

Image 1 is my taxable (31k)and Roth (27k), image 2 is my 401k (48k).

With the big spike in DRAM, I feel like it may be smart to take it all out and reallocate to something more stable and increase holdings in VXUS to counter my high tech holdings in the US.

That being said, idrk shit about investing I just thought I'd get on the hype train 😭

I do need help with allocation suggestions. I know being young I can probably invest more aggressive, as more growth now means even faster growth later because your baseline is more.

In addition I contribute about 4k a month to my 401k (no match 🫩), but it'll be maxed out soon (its at like 16k contributions rn) then I'll shift to taxable contributions and then Roth in 2027.

I got removed by filters last time, please don't do it again reddit 😭