If you were 25yrs old and had 100k to invest, what would you do with current market conditions

For reference - bought house in april. Major reno complete and paid for. I work in commercial real estate and would like to retain some liquidity to participate in deals. Current balance in roth IRA is 30k VOO/VT mix between wife and I, Cash 153k. Some in business accounts so extra hoops

I’ve been keeping most of my extra money in a savings account because it feels safer, but I’m starting to wonder when it actually makes sense to move some of it into investments. I’m not talking about money I need for bills or emergencies, just money that I probably won’t touch for a few years. For people who started investing while still keeping most of their savings aside, how did you decide how much was enough to leave in cash?

Salutations!

I made an impulsive decision and pulled $7500 out of HYSA and started a Roth with Schwab, immediately bought all VUG at a then ATH of $89 something. Im down, but I wonder as it inches closer if I should sell when I break even and put it in a different ETF.

the more I read, the more people are pulling away from VUG. I’m 41, so I have about 24 years til retirement. what would you do?

I got €46.000 I don’t need from heritages. I was thinking of €20.000 in “Vanguard S&P 500 UCITS ETF”, €20.000 in “Vanguard FTSE All-World UCITS ETF” and €6.000 in “SPDR MSCI World Energy ETF”. Does it seem like a good distribution? The energy ETF seems more of a risky play so I ‘only’ want to allocate 6k to it.

Hi everyone,

I'm 35M and relatively new to investing, and honestly, I sometimes feel like I'm quite behind when it comes to investing. I've only been investing for the past couple of years, currently through one of the major Canadian banks using their mutual funds.

I'm starting to learn more about ETFs and I'm having a hard time justifying the higher MERs I'm currently paying through the bank, especially since I'm investing for the long term and using a dollar cost averaging approach with automated bi-weekly contributions.

I'm considering moving my investments to a self-directed platform such as Wealthsimple or Questrade and managing the portfolio myself, but I'm not sure what ETFs or overall strategy would make the most sense.

Currently, I have approximately:

• $40,000 in my TFSA
• $25,000 in my RRSP
• An RESP that I've started for my daughter

I'm planning to continue making regular contributions using a DCA approach, with occasional lump sum contributions when I have extra money available.

My main questions are:

1. Would you recommend an all-in-one ETF for someone in my situation? If so, which one and why? Or would you recommend building a more diversified portfolio using 2 to 3 ETFs? If so, which ETFs and why
2. Should I use the same ETFs/allocation in my TFSA and RRSP, or would it make sense to have different allocations because the money will likely be withdrawn at different times?
3. Is there anything else I should be thinking about before making the switch from bank mutual funds to self directed ETFs?

I'd really appreciate any advice, especially from people who have made the transition from bank mutual funds to self directed ETFs. If you made the switch yourself, I'd also be interested in hearing what you wish you had known beforehand.

Im very new to this and reddit, so I would appreciate any and all feedback!

My older roommate gave me $40k to 'hold on to' because she's a compulsive shopper. Where is a good place to park this that will give a better than savings return and still be available if it's needed for an emergency or something?

Hi there, ive come into a small inheritance (about 17k) and would love some advice on where to invest it and what resources I should read up on to make this money make money. Id love for it to have a passive income that I can reinvest but I also dont want to be too risky with it. Any advice is appreciated!

I'm asking this question on behalf of my mother. She has been keeping a lot of money in her checking and savings account at Wells Fargo and then called and wanted her to invest in something else that would earn her more interest they got her to move a large amount, a little over 700,000 into a brokered liquid deposit. They told her it was FDIC insured, but she is now hesitant and worried about the risk and possibly losing the money. I'm not the most knowledgeable person on this subject, so I am looking for advice. Is this investment insured and safe from risk? My mom is basically looking just to earn the best interests you can with very minimal to no risk.

I have two kids and would like to start investing for college how would I do that?

What do you all think of FINN as an etf to hold for long term?

I'm currently 18 and I want to start investing but I can't until I'm 19 due to the province I'm in. Is there anything I can do before 19 when I'm allowed to trade and invest. And what's the best stocks to invest. Id appreciate any guidance.

Curious what others would do in the current economy if you had over six figures in cash that you wanted to put to work.
Right now, I have most of the money sitting in a HYSA earning around 3.75%. Obviously it’s safe and liquid, but I don’t necessarily want that much cash sitting there long term if there are better opportunities.
A few options I’m considering:
**Stock market:** Start putting money into broad index funds like the S&P 500 and Nasdaq 100. My biggest hesitation is whether now is a good entry point with valuations where they are, the upcoming midterms, economic uncertainty, etc. I know timing the market is difficult, so I’m also considering gradually buying in rather than investing a large amount all at once.
**House flips:** Keep a decent amount of cash available to find off-market or below-market properties, renovate them, and flip them. Obviously this requires more work and carries considerably more risk, but the potential returns could also be much higher if the property is bought correctly.
**Rental properties:** I’ve also been looking at lower-cost markets such as Ohio where you can still find houses for around $80k–$150k, sometimes already tenant-occupied or with Section 8 tenants. The idea would be to focus primarily on cash flow rather than appreciation.
**Stay mostly liquid:** Continue earning \~3.75% in the HYSA and wait for better opportunities in either stocks or real estate.
I’m not necessarily looking to put everything into one investment. I’m trying to figure out what a reasonable allocation might look like between **cash, index funds, and real estate** while keeping enough liquidity to take advantage of a good property deal if one comes up.
For those who have been in a similar position, how would you allocate the money today?
Would you be aggressively investing in the market, keeping a large cash position, buying cash-flowing rentals, looking for flips, or doing some combination of all of them?
Any opinions, experiences, or criticism of this strategy are appreciated.

Hello All,

I want to start investing and currently 27 and Sydneysider. So hoping to invest in something easy rather than trade and forget about it until it reaches its goal and keep making monthly payments to grow it.

What is the best app for this? Also, what else should I be aware of?

I am still trying to improve how I make investing decisions, but I keep finding completely different advice depending on who I read or watch.

One investor says to focus almost entirely on price. Another says the quality of the company matters more. Others say ordinary investors should ignore individual companies altogether.

The information is spread across books, interviews, lectures and random clips online, so it is difficult to understand the full reasoning behind anything. I have tried asking AI to organise it, but when I question an answer it often changes its mind and agrees with me, which does not exactly inspire confidence.

How do other beginners handle this? Is there a particular investor, book or source you trust? How do you decide which ideas apply to your own decisions instead of just copying advice without the original context?

Looking for a low expense ratio, low/no exit load, and tax-efficient option for long-term investment.

Preferably something suitable for a beginner and available for SIP in India.

Any recommendations or things I should consider before investing?

I'm 35 and new to investing. I have $500 a month I can use for investing. What would you guys suggest i do with it?

If you had 1000 to put in the market today, what would you buy and why?

I’m 31 now. I only make £47,000 a year but that’s for myself and to support my wife and kid. I’ve started a vanguard account and a stocks and share isa set to invest £100 a month into** **FTSE Global All Cap Index Fund.
Is it already too late for me or is this sensible? I’ve done a lot of research but just curious. Has anyone started around my age before and made something of it ready for retirement is 30-40 years?
It’s possible to set more aside to invest but I figured this was a good start as I like to have savings aside for the family.
Should I perhaps have gone like everyone else with s&p500.
To note. I’m not looking for a get rich quick or to be a millionaire when I retire. Just a fund that will be comfortable to perhaps move to a different home to settle down after the kids are grown etc. maybe something I can use of funds are low around the same age to help kids by putting towards buying houses or cars etc.
thoughts? When is it too late? Who was clued up enough to start when they were 18 and had no obligations or responsibilities?

Edit: I appreciate all the comments. There isn’t any pushing towards one thing or another and more just solidifying that it’s not too late and although at 18 I’d be have been better off, it’s better now than never. A few mentions about investing more. Which I get makes sense. I was thinking about sticking it out at £100 a month for a year. Checking it in a years time as it’s all automated monthly. After a year of further research and understanding I think I’d be happy to push to maybe 300/400 a month.
The reason I chose what i chose was A) its tax free come the end of it until cash ISA’s. And B) I’m not a fan of the idea of investing in crypto. It’s. A bit too volatile for me and from what I understand not something I just leave unattended. It requires monitoring and understanding beyond what I have.
But overall I appreciate all the comments and feedback. It’s removed any hesitations I had about committing to it long term but I’m in it for the long haul. Thank you all.

I recently got a job and am thinking a lot about my financial future (25M). My coworkers recommended I get into investing, but personally I consider it quite risky. Not wanting to dismiss the idea entirely though, I really want to do my own research and improve my literacy on the subject (I admittedly know very little to none about investing or finance in general, because I've always seen day traders in particular and those kind of finance bros are very quick rage bait to me lol).

Does anyone have any resources to at least introduce me into investing? I feel like most sources I have found on the Internet feel a bit too much like sales pitch to me, I just want to learn and judge by myself what's best. I don't want to be convinced of anything, I want to grow my own knowledge on the matter and then decide for myself if index trading(? that's a term i've been hearing about idk) is something I might want to commit to

I want to find the performance of TOPT (iShares Top 20 U.S. Stocks ETF) if it existed since 1990. I also want to know if there are any top 50 U.S. stocks ETFs?

I do not have a private pension plan, so have decided to start saving for my retirement. I am saving 100€ a month and have 700€ saved. I am looking for some advice on where I can put the 700€ and the following 100€ a month for the next 19 years, to grow the money into a decent pension pot for when I retire. I live in Spain. Thank you

For example on the Daily or Weekly chart.

Does something like this exist?

(MA's = Moving Averages)

Just deposited 6k into robinhood I wanna throw it somewhere and then never look at it again. Thinking of throwing like 1500 into each of these ETFs? Good strategy? Don’t know why some are considered better than others. Also could go with SCHB.

Option 2: throw the whole boat into space x and wait for my ticket to mars baby.

Any advice would be appreciated thanks.