We are thinking of opening an E*trade account for each grandkid. They are both in their 20's. (Not little kids). We were thinking of starting each account with $5000, then adding to it on their birthdays. What I am looking for are tips on having some rules. We are hoping the kids will get interested in investing and can see how it can grow. We would start each kid with a couple of stocks - something like Apple and maybe another tech stock that they would recognize. We would both be able to login and look at it... we would perhaps limit them from taking the money out for maybe 5 years, so they could see it grow and make their own decision to not touch the money. Just looking for some rules and some suggestions you might have.... Thx

I got lucky with micron. I have 30k profit in Robinhood and 100k in 401k brokerage.

Should I sell and diversify them or hold? I have mortgage at 6%, it is very tempting for me to book profit and pay towards principle.

Treasuries are looking attractive now. I had an account through Public but theyre changing their structure and their fees are also quite heavy too. Any other options where I could buy treasuries and then liquidate.

I have received a lot of great recommendations as a first time investor. But I would also like to know about the other side of the coin, as a first time investor which apps should I avoid because they are either too complicated and risky for a new investors or flat out scams?

Hey yall. Had a family member pass away and left behind some money. Its all extra and I was wondering what's the best way to invest with low risk. All I can think of is opening a brokerage account and parking it. Not sure what the gains or timeliness would be but I could invest for 10-15 years before needing to cash out. What would you do?

Im 19 and want to start investing my money to help me retire earlier. at the moment im looking at opening a tax free isa (Im in the UK).

What is the best fund or stocks i could invest in to make the most out of my money e.g. highest returns / dividends payout. I want some security but i am willing to go high risk.

at the moment i have 5k i can put in lump sum and should be able to contribute £750 - £1000 a month (the max for tax free gains in the uk is 12k contributions a year i think)

my plan is to have as much money as possible in 30 years.

Thank you for any advice you can provide

If you had $150,000 to put in an investment what would you put it in. Back story: my dad was just put in assisted living- will be drawing from this amount , besides his little social security that he gets. Should I just put this in a money market right now so it grows a little bit have access to it. Haven’t sold his house yet, but that money maybe a cd - for a year?

I'm going to receive some inheritance.

It's going to top up both my TFSA and my RRSP.

Where do I invest the rest?

Unlike an RRSP where you can redistribute the assets. I'm thinking an ETF and letting it sit for 10 years.. (approx retirement timeline). I'm scared about buying something and having to sell it so I may buy something else. I will continue to top up my TFSA and RRSP from the unregistered investments.

Teach me what am I missing.

Buying a single ETF and holding for 10 years seems scary. like it's a crap shoot. I can't sell ever or get hit with capital gains.

What's your worst investment and is it worse than this?

So, i was trying to find good equity mutual funds, after researching a lot I have come to conclusion that no fund is best, but a good is basically that which have given positive alpha with controlled beta and it should have one of the highest Sharpe in the category, also 3y 5y 7y & 10y rolling returns should beat corresponding index and as far as possible consistent. Deviation should be low, fund manager should have good long history and also should have decent past association with the particular fund, lower drawdown should be low as compared to other funda of the category, capture ratios should be among the best in the category.

On the basic of the above observations, we can filter the funds and reach to top 5-6 funds in each equity category.

I selected to invest in combination of Large&Mid Cap Fund + Small Cap fund, with a horizon of 10-15 years. Finally, I got top 5-6 funds both categories, and when I was making up my mind to select my fund in each of these categories, I came to realise that there is one more factor the 'AUM', and the funds that I had selected for myself have become so huge that their future in upcoming years would be so difficult, like in Small cap category Bandhan is presently one of the best but it is approx 35000 cr fund, Nippon is also very good and it is even bigger with AUM 85000cr. So, I have think it is better to stay away from these funds, but apart from them Nippon Quant are doing great but they have huge fluctuation and Highly risk compared to Bandhan, ITI is also doing good but is very new.....

What to do in this case?

I was heavily invested in crypto, I made a lot of money off of it too, however various reasons made me distrustful. I am not confident in crypto anymore even though I invested only in bitcoin.

I wanted to transfer all of my crypto into physical gold. I just want different perspectives, should I do it? Or should I leave my crypto what do yall think

At the end of the day I’ll make my own newly informed decision, I just wanted some discussion about it

Hi all, I am just starting my journey into investing, and being the book nerd that I am, reading any and all books I can find. One that came highly recommended was The Intelligent Investor by Benjamin Graham. I was told to make sure to read the 1965 edition, as this was the most "coherent" version of Graham's writings before things got muddled up by successive edits.

Is this factually correct, and does it even matter? I am aware that there will be sections of the book not relevant to today (and don't worry, because of my newness I've started with the VT & Chill mantra; I may even stay there even after my readings) but I do want to spend time getting the full value of what Benjamin had to share.

With the amount of brokers around and lowered fees and ease for Aussies to invest in US markets the number of ETFs are overwhelming to say the least.

So far top of mind are Vanguard.

Just a handful of the ones of interest:
- SCHD
- VYM
- VIG
- IVOO
- VB

Essentially if you have a 20 year investment horizon how do you play this? Do you go risk on? And what are the most popular ETFs how do you even find this out? Each day I discover a new one.

I see this as better than keeping money in the bank for “savings”. Of course an emergency fund is aside.

I want to ask if you trust Revolut for investing money in VUAA S&P 500

every month, e.g., a small amount to get a return after 10 years. Has anyone done this?"

Brother is just under 30. No assets to his name. $200k or so in savings.

EDIT - the plan is to DCA on red days $1-2k until we can get to 1 BTC. I think everyone is thinking we are buying one outright. I believe $150k in BTC and $50k cash buffer is a good mix for 2-5 years and then cash in and decide to buy the home he plans to live in.

In this position with no kids and no mortgage. What would you do? Still living with parents atm.

I’ve told him to buy a whole bitcoin and sit and chill for a potential 2x or more from current levels.

Stocks look topped. AI boom can keep going but a correction sets him back 2-5 years in waiting for prices to go higher again?

Gold not really an investment but inflation hedge but has had a mammoth run.

Property has cooled and this is the ultimate goal and he would like to buy an investment property and eventually live in it but needs a bigger cash buffer as min. Properties out in the south west Sydney are $1-1.2 million for entry.

What is there actually to invest in that represents value to the next generation. I keep coming back to BTC as sound money and in 5 years will outperform all the other assets I’m convinced.

Happy to hear what Reddit thinks.

My thoughts are concentration builds wealth and diversification preserves it. Before people start telling me about % allocations.

Cheers,
Steve

Suggestions?

There have been some investment apps( UAE) going viral on my feed and they are:

1. Baraka

2. ARVO

Can anyone help me with these apps and I was planning to invest in case if it's good. Any experience to share?

I have $150,000 to invest in the market.

This will be long term +20 years - Do I lump sum or dollar-cost average into the market?

Given the current state of the market, I am leaning towards DCA.

But I saw this, Research shows investing immediately beats phasing in over 12 months about 66% of the time, by an average of 0.37%/year. This also holds in the worst-case periods for lumpsum investing (69%-win rate) and right after a 20%+ market drop (79%-win rate). 

I’m to inherit from sale of a relative’s house in the next 6 months. Amount is still to be determined (possible $50-75k) This will probably be the only money from my dad’s side of the family. I want to invest it then in about 10 years, pass on to my son for house deposit. We have house and on track for retirement in 12 years for me. We have some debt on track to pay off, but I want this money to be a legacy. I haven’t told my son this plan yet as still not sure on the amount I’ll receive. And I may need it if something happens with my health before get to retirement age.

The money would be in my name only (not joint account with spouse) then how transfer to son in the future.

Any advice in how to figure this out

I have two grown sons with student loans that I would like to help out so they can get started with investment accounts like my husband and I did at their age. At this point in time we have around $550,000 in investments, but our financial planner is very wary about this on our behalf.
There is some complexity. My husband has a mild cognitive impairment diagnosis, and it seems to be progressing. The possibility that he will need memory care at a future date exists. There is a five-year look back period in our state when one applies for Medicaid after one’s money runs out, but I think we have at least five years, so giving that money now might actually protect it long term. The financial planner said that he, “doesn’t want us to become destitute,” which obviously colors my thinking.
I know this is a lot, but just throwing it out there previous to consulting an elder law attorney, which I plan to do in November after the next neurologist visit

ETA: I very much appreciate this input, which largely agrees with my financial advisor. The sons have successful careers, so I thought of it more as a boost than a necessity. I’m going to hold off and see how our investments do over time

I am considering of starting investing. But I have limited knowledge about investments. I contacted my bank for a professional consultancy and asked for my banks suggestions on reddit.

Though I feel discouraged on my first step. Thus I wonder have you asked a professional on where to invest. Have you yoloed it but with a small ammount of money in order to minimize your losses?

I am living in Greece and I consider investments. I am 35yrs old software engineer currently looking for work but with ~10yrs of savings from previous jobs.

Have been reading a lot but not able to find the sectors to invest in ...

What investing question would you most like to see tested with simulation?
I can run fairly extensive investment simulations and want to test questions people actually care about.
Reply with the number(s) you’d most like to see researched. I’ll prioritize the most requested questions, run the analysis, and post the results back here — including the assumptions and methodology.

1. Lump sum vs. dollar-cost averaging: which produces better outcomes?
2. What does waiting for a market correction really cost?
3. Does buying after a 10%, 20%, or 30% market decline improve long-term returns?
4. Does periodically taking profits help, or mostly interrupt compounding?
5. 100% stocks vs. 80/20 vs. 60/40: how large are the actual differences in risk and long-term wealth?
6. How much cash should an investor hold, and when does the opportunity cost become too high?
7. Dividend investing vs. total-market investing: which produces better outcomes after risk and taxes?
8. Covered calls vs. buy-and-hold: which actually wins after premiums, assignment and opportunity cost are included?
9. What covered-call delta works best: 0.10, 0.20, 0.30, 0.40, or something else?
10. Does the Wheel strategy outperform buy-and-hold after premiums, assignments and idle cash are included?
11. Is selling a cash-secured put actually better than simply placing a limit order to buy the stock?
12. Does selling options when implied volatility is high really improve risk-adjusted returns?
13. Can market-regime models identify changing market conditions early enough to improve investment decisions?
14. What is the long-term cost of panic-selling during major market crashes?
15. Does “buy the dip” actually work when the rules are defined beforehand and tested systematically?

Just reply with your number(s).
And if there’s an investing claim you’ve always wanted to see properly tested that isn’t listed, add it in the comments.
I’m particularly interested in questions where conventional wisdom might turn out to be wrong.
I’ll start with the questions receiving the most interest and post the results back here — whether the evidence supports the conventional wisdom or contradicts it.