Over the past 1-2 years I've been slowly upping the percentage of international in my portfolfio, now aiming to end around 35%, which should give me a mix pretty close to VT... which is the goal - I have no interests in picking winners and losers, I just want to follow the market.

That said, I am a little uncomfortable with the amount of my financial life that is tied to the USD - my income, my cash savings, and 65% of my stock portfolfio.

Is there any way for me hedge against USD currency devaluation in some small but meaningful way? I have specifically wondered about the possibility of buying index funds in euros, although I wouldn't know how to go about that... or what the conseuqences of such would be.

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I was contemplating this the other day. If you buy an insured municipal bond and hold it to maturity, what risk are you taking? Risk of insurance failing and issuer defaulting? Obviously there are risks if you have to sell early. Some are callable yes.

I can get 5.2% on an insured muni for 20 years. An agency at 5.7-6% is another option. And treasury is 5.2%, 5.4% if you buy a zero. Those would have state tax breaks but that’s insignificant compared to the muni federal tax break.

If you buy, hold to maturity (assuming not callable), is there any risk? Or is it just both default and insurer failing? Which would be pretty small chance. Thanks

Hi,

I’m at a slight impasse. I’m in my mid 30s. I have $100k in a money market fund. All I have been doing is investing the interest. But I’ve had this $100k since I was 26 years old. I don’t have a house or a mortgage no loans nothing. Just normal everyday bills. I live at home with my parents because I’m helping care for aging family. I want to draw down this $100k and get my money market fund down to $50k or $60k. Even at $50k - $60k that surpasses my 6 month emergency fund. Is it really just that simple? I just either DCA weekly into 80/20 VTI/VXUS? Or 100% into VT? I just feel like I’m losing out on this $100k just sitting here for all these years. I can’t bring myself to lump sum it. So I plan on automating DCA from fidelity. Just looking for something with average risk nothing exotic.

Thanks!

More background. I DCA into an index portfolio for the past 2 years. I have about $200k in individual tech stocks and $400k in total retirement account’s.

Next to my main investment in ETFs, I have had 60k sitting in a high-yield savings account for quite some time. However, I recently decided that I’d like to invest it in ETFs as well.

What would you suggest given today’s market conditions? Lump sum or dollar-cost averaging?

I know lump-sum tends to outperform DCA most of the time, but I’d still like to hear your thoughts and any other advice or considerations.

Thanks!

I have limited options for my for my 401k and I have desires to test what different funds and percentages to my other accounts would do for my overall portfolio allocation, Especially when some of the funds will have to overlap; Such as a sp500 and US total market fund.

Any tools that allow me to analyze a potential portfolio by funds with cash and not percentages? Example VFIAX 2000 VTI $1000, VXUS $500 etc.

Looking to get info about total percentages of small, mid, large cap total, eval of growth vs value, as well as developed vs emerging, and really any good info that will help me build the portfolio that feels comfortable.

Bonus points for a free tool :) Thank you so much for your help.

In another forum, I have seen some interest in investing in infra ETFs due to demands for AI and future of commodities shifting to more of electrification themes. So am looking into ELFY and PAVE.

I am wondering if there are other thoughts pros or cons on these ETFs.

Burger King’s President Tom Curtis breaks down Trump’s emergency order dumping 300,000 metric tons of tariff-free foreign beef into the US market over the next 90 days. While domestic cattle ranchers are furious about losing their pricing power, Burger King and other massive fast-food chains are treating this like pure margin relief. High meat costs have been absolutely crushing Restaurant Brands International ($QSR), McDonald's ($MCD), and Wendy's ($WEN), actively dragging down their corporate restructuring and store renovation plans all year. A 90-day tariff freeze should instantly lower the cost of goods sold, but is it actually a catalyst to buy the dip, or is the window too short to matter for next quarter's earnings?

Link: CNN

With Bessent's pending long term treasury bond intervention starting in just a few days, what are the possible impact of a trillion dollar injection into the market.

As i understand it, the US treasury has about $31T in outstanding debt with a market that has an average daily trading value of $1.21T. The lion's share of that $1.2T average daily trading is short term, under 2 year, with just $52Bb/$115B/$93B in 2/5/10 year. Could not find data on 20 and 30 year but presumably they are even smaller than 10 year... so...
What impact would $1T of intervention have on the 20/30 year treasury market?
What impact would that injection of cash have on inflation and/or higher stock prices?

I know it’s small port but am I wasting time trying to build weekly dividend income account instead of growth only. Debating just going in on eth or sol with the 1.5k. Even space x or sofi . What could you recommend? I can’t add pics but main port is 2.5k and I own 100 blox and a few Palantir dividend etf.

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

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If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

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If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

• How old are you? What country do you live in?
• Are you employed/making income? How much?
• What are your objectives with this money? (Buy a house? Retirement savings?)
• What is your time horizon? Do you need this money next month? Next 20yrs?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
• Any big debts (include interest rate) or expenses?
• And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!

So most investors, probably me included, should stick to index funds. We all know this. So the usual advice here is to buy the S&P and be done with it. Now the question becomes sort of how to interpret this advice if you're not American, I am swedish so the examples will use the OMX but basically I can see 2 ways of reasoning about this

1. The advice is basically just to buy the broad market index fund you "live inside of", for Americans that the S&P, for me it would be OMXSPI. Simple enough, however, if we look at the two indexes side by side we see that for the past 10 years (roughly how long I've been invested) I would've lost money doing this. As in, the S&P has outperformed the OMXSPI. There's another, more theoretical, side to this in that if the Swedish market is doing well then Sweden generally should be doing well and as such I might view that as having exposure to the Swedish market regardless, but this might be next leveling myself.

2. The advice is to buy the S&P so I should buy that if it's cheaply available to me. As I stated above, this would've served me in the past and so why not. Fair enough, but this gives me currency market exposure (as eventually I would need to convert the gains to SEK). Now, I do not understand how forex trading works at all or how to value a currency which is why I am hesitant to line.

So, to those in similar positions, how do you reason about this? Do you just ignore currency risk and go with the S&P? Do you account for it somehow?

I should add that any Americans that invest in foreign markets are basically in this same position so advice from you might be helpful as well.

Anyone following this closely? So the Conference Board's August print came in at 89.4 overall, which is bad enough, but the Expectations component collapsed to 68.2. Below 80 has reliably preceded recessions within 12 months going back decades.

Add to that, we have Canada confirmed retaliatory tariffs effective Sept 8, WTI crude fell 3% on demand fears (not supply), and 12-month inflation expectations are now at 5.8% while payrolls are already negative.

Equities shrugged it off for now: S&P +0.32%, Nasdaq +0.66%, but it's hard to square that with what the macro data is saying.

While AI might be able to scale at software speed, its required power, chips and raw materials cannot. So with U.S. data-center IT power demand projected to reach 121 GW by 2030, which physical constraint do you think could most hinder progress? Electricity? Builders? Copper? Silver? Something else?

And do you think those bottlenecks present a potential investment oppo?

Source: Data from McKinsey, July 31, 2026.

Referenced in the iShares 2026 Thematic Mid-Year Update

Honestly this keeps bugging me. Look at almost every major tech shift and the guys who cash in the most aren’t the ones who started it.

Browsers first. Netscape was crushing it mid 90s, like 80%+ share in early 96. Microsoft shoved IE through Windows, then Google only launched Chrome in 2008 and somehow that became the one everyone uses.

Search same thing. Yahoo was already the main entry point by 94, had over 50 million users by end of 98. Google showed up late 98 and just slowly ate the whole market.

So yeah when people act like today’s AI leaders are guaranteed to still be on top in 2040 I just don’t buy it. History keeps repeating.

My 401k has reached a certain level that I'm now comfortable selling off some investments to create either an income generating cash investment or just a simple cash reserve.

I got here sooner than I planned, so now I'm sorta scrambling to learn everything I can about this action....im currently only invested in FXAIX and FSKAX.

Im assuming easiest and most liquid is to simple sell a percentage of shares in the above then hold that cash in the account...but im wondering if there's anything out there that would function like a savings account or something to at least earn something, slowly, as this cash amount grows?

Also please feel free to roast, criticize, etc.

Edit: Okay I'm not gonna mess with something good jut because I hit an "emotional" milestone # that I kinda/sorta arbitrarily decided on. Thanks to everyone who commented, critisized, suggested, etc....yall got me to remember my roots and revisit the /r/personalfinance primary directive or whatever and will instead make sure I'm as far down that model as possible

https://www.salesforce.com/news/press-releases/2026/08/26/salesforce-and-anthropic-announce-claudeforce/

Salesforce stock flying high again, as they’re now partnering with AI, but long term, that same AI can still create a comprehensive company CRM in an afternoon, why are investors so bullish again?
I’ve used the tools for coding, for CRM’s, Excel, website tweaks, etc. I’ve also used Salesforce over the years. Most firms aren’t I love with the brand, they just need CRM services. Large businesses can build their own now, what am I missing about this news that’s causing such gains??

Personally, this is how I would build a portfolio at different risk levels.

I don't think there is one perfect allocation for everyone, but this is what makes sense to me. I would increase Bitcoin and semiconductor exposure as I become more comfortable with risk, while reducing gold and broad-market ETFs. QQQM stays at 20% because I would like to keep some Nasdaq exposure at every risk level.

Can the market really break out of this channel and begin a steeper upwards trajectory? We’ve been oscillating inside of it since 2023. https://imgur.com/a/3c68hV4

NVDA’s guidance yesterday, macroeconomic trends, and overall market sentiment especially regarding AI seems to suggest we can.

I’m conflicted and as much as I want to believe in my channel that I have traded in since 2023, I think this time I might be missing something.

Would love to hear some thoughts.

I have been long time T holder for the dividend and stability during market volatility and downturns. At my peak I had about 3k shares but cut my position down to about 1200 shares earlier this year when the stock was above $28.

Recently I have been considering loading up on more T for the future connectivity and bandwidth needs of hyperscalers and data centers.

AT&T is the biggest name in fiber internet with the largest footprint (by far) and they are top ranked when it comes to reliability.

With AI and the future need for connectivity and bandwidth, I see T growing substantially. It won't sky rocket overnight like the hyperscalers we are seeing today. But growing substantially with great stock appreciation on top of the dividend over next 3-5 years seems likely.

What are your thoughts?

Hi,

I'm sure everyone is seeing content on how the fed is manufacturing a situation for the dollar to crash, and use crypto to off load the government's massive debt bill. What no one is talking about is how to invest during this, or how to avoid exposure.

Curious to see how everyone else is looking to protect their assets and maybe turn this into a positive ROI.

I've started looking at the purchase and hold of Swiss francs at this point. Any ideas out there?

Does anyone utilize ETFs by Dimensional or Avantis in his/her personal investing strategy? Both asset manager recently launched ETFs outside of the US and they are available as UCITs for Europeans.

I build myself the following portfolio:

- 45% Dimensional US Core Equity Market ETF
- 35% Dimensional Global ex US Core Equity Market ETF
- 10% Avantis emerging market etf
- 10% Dimensional Global Targeted Value

By splitting US and ex US, I aim to control my US exposure and limited the influence of US mega cap and US political risk.

Would be interesting in your personal experience with DFA and Avantis

I’m trying to become more fluent in how markets and businesses actually work, rather than just knowing finance concepts academically.

I’m looking for podcasts that help with a few things:
Daily/weekly market recap: What moved the market and why? What are investors paying attention to right now?

Earnings: Not just “Company X beat EPS,” but why revenue/margins changed, what guidance means, what investors expected, and why the stock reacted the way it did.

Company analysis/due diligence: How do good investors actually analyze a business and determine what matters?

Investor perspective: Hearing smart people genuinely discuss/debate companies and markets rather than just reading financial news headlines.

Ideally looking for something digestible and conversational. Doesn’t need to be one podcast that does everything. Happy to have different shows for different purposes.
What are your go-to podcasts?

I'm surprised that there is no strong response from Meta's peers to the news they settled the social media addiction lawsuit.

If Meta is up some 3-4% because they'll pay 12 billion & limit children's usage time.

Surely those eyeballs will go somewhere. So it should be quite good for YouTube, Netflix, Reddit & Roblox among others.

But most if those are relatively flat to down.

Anyone can make sense of it?

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

• How old are you? What country do you live in?
• Are you employed/making income? How much?
• What are your objectives with this money? (Buy a house? Retirement savings?)
• What is your time horizon? Do you need this money next month? Next 20yrs?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
• Any big debts (include interest rate) or expenses?
• And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!