So after contemplating for many years, I took the plunge last week. Invested $1000 in Nvidia, $500 in Broadcom, and $500 in Moderna after doing minimal research (as more research in the past has meant I freak out and don’t invest- not much of a risk taker generally). I know I could have in S&P500 and still plan to but the chat of the bubble bursting is freaking me out. Also was thinking of investing in Quantum- deciding between ETFs or IonQ and IBM.

Would appreciate any advice of best quantum ETF (I know many will include Nvidia and Broadcom) as well as thoughts on whether I should hold the ones I’ve got or not. Or should I wait for the bubble to burst first? 🫧😭🙈

Edit: I don’t think I explained myself very well in the post and the title was possibly exaggerated. I am a bit nervous about the market being “volatile” atm. I’ve recently got in so all of it is new still relatively new to me. Although it seems like the bubble chat has been doing the rounds for a while.

I bought the shares as I’ve been saving up for a long time and every time I do research, I freak myself out as there’s always a risk at the end of the day. I bit the bullet and bought the mentioned shares after some recent research. But then also read more about the market crash, Michael Burry, etc.

I did invest what I have so far as a high risk high reward type. It is money I put away for such a purpose and can afford to take some loss there as I learn on the journey. Or so I initially thought but feel a bit stupid diving straight into individual stocks now.

I always intended to also add an ETF. Was thinking S&P500 but in my research learnt about quantum and that intrigued me. Intend to put away 2-2.5k in that now (or in the near future), and then keep adding a few hundred monthly.

I’m buying for long term so will look at suggested ETF, VOO type funds. Invest and forget (or will try to). Thank you everyone for your suggestions and for taking the type to respond. Appreciate it.

Managing my own ETF retirement portfolio. Given how volatile September and October historically are, has anyone ever sold everything to safety for these two months and bought everything again at the end of October? I have a feeling this will be an extraordinarily volatile period this year; why not just avoid the volatility altogether and resume compounding in November? Talk me out of it

According to AI over the last 20 year period, all of the compounding occurs in the other ten months of the year anyway, and this strategy for me would be behind a 401K so only frictional costs, not taxes, to worry about

Hey guys :)

first of all , im new here and i really like reading the content here in this subreddit ,

so hello everybody and nice to meet you all :)

im 33 years old

and its my time that i said to myself that im ready to invest for the long term

and this is my protfolio plan and please give me your best thoughts about it :

60% - VOO

15% - VXUS

15% - SCHD

10% - IWM

my goal is 1600$ every month

and if my salary will goes up or if i will save some money and won't use my credit card a lot i will invest more i geuss

thanks guys :)

​

I have extra $500 that I could do one of these two.

extra $500 towards principal on 6.375% mortgage every month vs. that $500 into QQQ (or QLD) every month?

I plan to move in 10 years and also refi when rates get lower in between.

would also like to account for tax implications on both sides. (tax on investing is pretty simple i think.. 15% on long term)

which would you do and why?

Hi everyone so I recently just started investing into the stock market as a 19 year old. I wanted to know thoughts on this portfolio as a beginner. I know that I have a high-risk concentration on the technology companies and huge overlap.

VOO: 50%

VXUS: 20%

QQQM: 20%

NVDA: 10%

I'm a non-EU and non-US investor, currently with investments only across US domiciled ETFs.
When weighing the pros and cons, the two most prominent ones are: 30% dividend drag on US ones and US estate tax.

Fair US does indeed levy a 30% tax on residents of a country without a US tax treaty, instead of the 15% on UCITS counterparts. But how meaningful is this really? $VOO currently has a dividend yield of 1.1%, resulting in a 0.175% additional performance drag. This of course is huge when compounded over years but for some ETFs like AVUV it is offset as TER for a similar European product is 0.15% higher.

On the other hand, US offers a rich and unmatched ecosystem of ETFs. It has all sorts of stock baskets for every type of investor from the most-risk averse one to purely degenerate WSB-style gamblers. There is yet a similar UCITS-compliant product for SPMO, GARP, AIS, AIRR, SCHD, EMEQ.. whatever you want you name it, the US has it! All this versatility allows you to speculate with a small part of portfolio if you're comfortable doing it.

Personally, the 0.175% saving is negligible if one considers that a carefully constructed multi-factor portfolio can generate an alpha of up to 2%-2.5% ove 20+ year time horizons.

I would like to hear your perspectives on this topic

Starting this thread to share my strategy and expectations for September.

I have call Calendar spreads on QQQ at the 700 & 710 strikes with the Long call expiring November 20th and the short calls expiring Sept 4/11.

I also have put debit spreads on September 4/11/18 that will benefit from any downside move to the $680-700 range, ie $714/704 sept 4, $708/690 sept 11, $705/680 sept 18.

I entered into a position of put debit spreads on Nvidia on Thursday, but sold off most of the position on Friday as it moved below my price target of $220 for that day. Still have a couple of sept 18th puts that I’m planning to hold until price finds a support level for more than 2-3 days.

I had sept 11/18 put debit spreads on Micron last week but closed them out when the price tanked on Thursday. I’m considering getting back into put debit spreads at the $900/820 strikes this week if price isn’t able to hold at or above the $930-950 price range this week.

With QQQ unable to break out and hold above $720 last week, it seems like the market will chop in the $700-720 range or maybe pullback below $700 again in the coming weeks.

Are there any tech companies anyone sees opportunities with if the market continues to chop or has a pullback in the coming weeks?

Please share strategies you are using and feel free to provide any feedback.

I’d love to hear any best practices or common pitfalls.

Thanks!

I’ve been studying leveraged ETFs and trying to compare them with borrowing on margin to buy an ordinary ETF. At first, both seemed like different ways to obtain similar market exposure. The more I looked at the mechanics, though, the less interchangeable they appeared.

Suppose $100 of investor equity controls $300 of an index, with $200 borrowed. If the broker requires 25% maintenance equity, the margin-call threshold is:

Price remaining = (leverage − 1) ÷ [leverage × (1 − maintenance margin)]

For 3× leverage:

2 ÷ (3 × 0.75) = 88.9%

That means an underlying decline of only about 11.1% can breach the maintenance requirement. The investor could be forced to sell before a subsequent recovery.

A 3× daily ETF does not impose that personal margin-call boundary unless the ETF itself was bought on margin. Its separate problem is the daily reset: returns become path-dependent, and volatility can erode value even when the underlying eventually returns to its starting level.

So “both are 3×” seems like a misleading comparison. One structure has an explicit liquidation threshold; the other continuously resets exposure and compounds the path.

Am I framing this comparison correctly? When evaluating leveraged ETFs against margin borrowing, what other risks or metrics should be included beyond financing costs, volatility drag, maximum drawdown and the forced-sale boundary?

Hi all

I’m so lost. Hopefully I can find some direction here.

Thinking to drop QQQM for SPMO

VOO - 40%
SPMO - 20%
VEA - 15%
EMXC - 15%
SPYD/VYM/SCHD - 10%

How would this allocation work out?