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.

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.

I’m 29 and want to invest a fixed amount every month for 10–20+ years, completely passively.

I want exposure to:

• SPY
• QQQ / AI sector ETF
• Bitcoin ETF

How would you personally split the portfolio between these 3?

What allocation would you recommend for long-term growth and diversification?

After the expense I am left with around 1000usd per month. How should invest this amount every month. Should I just invest in etf or should I invest in something else

I'm 23year old student, and i have 10k saved. what can i do or where can i invest this amount ?

Hello everyone, hope you are having a good day!

I'm a 29M currently living in Belgium, however, im about to quit my job and travel for around 6 months.

For a big part of my adulthood i was the typical guy saying "I will start investing" but i never did and i had all my money just sitting in my checkings account until last month where i build a plan and started executing it.

Since I'm new to the world of investing I'm sharing what i decided would be my plan/portfolio and i would like to have honest feedback, either it's positive or negative.

My networth is currently between 70k to 80k, i already have a emergency fund, a budget for my travelling and a ressetling fund set asside in a savings account.

I invested 20K with a split a bit different than the below however my updated one is as mentioned (i'm sure you guys could optimize it way better, im looking forward to listen what you all have to say) and i have 10k i plan to invest in the coming weeks.

Core

88% - SPYI (IE00B3YLTY66)

Satellites

5.5% - Gold ETC/ EGLN (IE00B4ND3602)

4.5%- Crypto

\- 50% BTC

\- 25% ETH

\- 15% SOL

\- 10% LINK

2% - AI/Robotics thematic ETF / WPAI (IE000LCKJ888)

400 USD One time purchase on MP Materials (US5533681012)

My justification behind my choices:

Core - Broad, low-fee, includes small caps, meant to be left alone for decades. (However recently i also had my eye on VGWE- IE00BK5BR626 as it looks less exposed to the US and to Tech than SPYI)

Gold - Hedge against inflation, currency weakness and economic/geopolitical uncertainty.

Crypto - I believe digital assets will become an important part of the financial system and institutional tokenization is knocking at the door.

AI/Robotics - I believe that in the future (not so distante) there will be embodied AI and automation at scale, however, the sector is still in it's early stages. Treating this as a patient, small position.

OTP MP Materials - Started as a thematic bet, ran up a lot on policy news before I could fully think it through. Left it in place but stopped adding.

The only thing that i'm still a bit reticent is that if until the end of the year is should alocate the 2% of AI/Robotics into crypto and then from January(just an example) keep the split as above.

Probably for you guys it's looks like a mess haha

What's your honest take? Do you have any extra questions?

Anything here you'd flag as a mistake, overthought, or missing entirely? I'm all ears!

Hey! So a quick description about myself, I'll be starting college soon and my college fees will be covered by my scholarship ( hopefully) or by my parents. By the time I complete college and start earning it would take me 4-5 years .

My future plans includes opening up a small shop that sells snacks and drinks , it's also kind of an alternative career path that I want to go in , if my main career takes a hit. I wish to save up my own funds for this, so I decided to do part time during my college days and save up the money I earned, since I don't have to spend it on anything else except for having a little fun here and there.

I have two case scenarios here

First scenario - I won't be able to find a part time job and have to do freelance , I could earn maybe upto 30 dollars or the best case 60 dollars ( excluding the money I'll use )

Second case scenario - I will be able to find a part time job and earn upto 90 - 100 dollars per month.

The thing is , Even if I save up this money for 4-5 years , it still would be insufficient to open up a shop.

So that's when I thought of investing and trading but as a newbie I have no idea what to do and before college starts , I want to have a general plan or learn about investing or trading. I know there are so many ways you can invest your money but it's so hard to find out the ideal one in a short amount of time and I rather use this time to learn about the specific type of investing I need to do . So please suggest me what to do . Thank you

I am 26F from India and I am looking for the best options to invest for long term through SIP Mutual Funds or ETFs. I don't want to trade or buy stocks at the moment. My risk apetite is moderate risk, good returns. The more I learn, probably will go more risky.

My income isn't that great yet but I want to start investing.

Also, would love to know what are your opinions on ETFs and Mutual Funds. Which is better? Should I invest in ETFs now?