Hi all

This is my current portfolio. I am 60 years old and plan to retire at 65. After reading some posts here, I’m considering adding SPYI and QQQI. My plan is to reduce SCHD and VOO to roughly 40% each and allocate about 6% each to SPYI and QQQI.

Do you think this is a good move? Does the allocation for SPYI and QQQI make sense?

Any help, hints, or advice would be greatly appreciated! You are all amazing—I’ve built my portfolio based on the great insights shared here, and I’m forever grateful for that.

Current Portfolio:

• DGRO: 1.64%
• SCHD: 44.93%
• VOO: 48.22%
• VGT: 1.64%
• VHT: 1.37%
• JEPI: 1.10%
• JEPQ: 1.10%

My current portfolio manager was charging 1.5% for a very basic portfolio. He has 3 ETF. A gold etf, crypto etf, and a all in one portfolio (I.e xgro/xeqt). This portfolio is very basic and I feel I could do it my self

I brought up concerns about the fee to him and asked to see a fee schedule. He showed it to me and said “oh we have been over charging you” and then told me he would drop it to 0.75%.

He doesn’t offer anything else. Just meets with me to say how the portfolio does and what registered accounts to put the money in.

Thoughts? Feel free to be as critical and harsh as needed

Hi everyone… my husband woke up today and realized someone had fraudulently transferred his entire John Hancock retirement account to themselves. We cannot contact anyone because it’s the weekend. Does anyone know an emergency phone number for the weekends? He didn’t get a two factor notification. Has anyone had this happen before and been able to get the money back?? Thank you for any help or guidance.

Is there a deadline for when a company has to provide a 1099 DIV? The company I invest through is saying that my 1099 DIV won't won't available until Feb 17th, 2025. I thought companies were legally required to provide all tax documents by January 31st of the following year (so yesterday for this year), but I'm getting mixed information when it comes to 1099 DIV.

I have been saving roughly 10-12k for the last 2years. I plan on saving for another 5 before I make a purchase. This money Is just sitting in a savings account accumulating 2.7% YoY. I know there have to be some better options out there for me. I have thought about putting it into a ETF but I don’t want to take a chance on the market being in a bear market when I goto make my purchase any advice would be greatly appreciated. Thank you.

I had planned to retire at the end of 2024, but was offered a better job with great benefits and a 20% increase in pay. Contributing 27% of my salary into my 401k. I am thinking I will work for another 2 or 3 years.

Just shy of $1M. Other than a mortgage that is less than renting an apartment, I carry no outstanding debt. I live a frugal life style.

Current approximate investments:

2025/2030 date funds 94%

VTSAX 3%

VTAPX 1%

individual stocks 3% (mostly Dividend Aristocrats).

I keep about 3 months worth of monthly expenses in Savings.

Without getting political, I am sure I can whether a down turn in the market [fingers crossed], assuming a recovery happens within 3 years.

Let it ride? Or should I be more cautious?

Thanks for any help or suggestions.

I was watching a youtube video the other day about DWS and their ESG scandal surrounding improper ESG ratings. It got me thinking, with many of the tech companies adopting Trumps anti DEI position and aligning themselves with his overall position on things like the environment, should we expect to see significant changes in ESG scores. In return will we see social and environmental funds significantly change their holdings?

For example, Facebook is scrapping DEI, will their social score go down? Their simple alignment with trump would suggest they have integrity issues in their governance, should expect that score to go down as well?

BTW, I think ESG is bullshit, it was never accurate. That said, there is a lot of money tied up in it and I’m wondering if the rating will change under trump and affect portfolios.

Hi. I’m planning, under the new budget plan I created for myself, (with recommendations from PF to invest more) to put 13% of gross into my brokerage every month (already has $1600). This may not appear like much but it would be about $700 a month invested into the market.

However, I need to know that these funds will be safe and stable for the long term. Several investments that won’t downtrend.

Does anyone here have safe and stable stock recommendations to allocate this chunk of my salary too?

My wife and I are both educators, so we have pension funding but we also contribute to a 403b. We are 40 and 38, so our allocations are more on the aggressive growth side. Seen lots of growth lately, but with Trump and the tariffs would it be better to adjust to more conservative for the next couple of years, we still plan to contribute the same amount. We are not very knowledgeable about the economy to this extent. Any advice is appreciated. Thank you in advance b

Mine is 70% FWRA - Invesco FTSE All-World UCITS ETF Acc - very broad market

10% XLKS - Invesco US Technology Sector UCITS ETF Acc - growth machine

20% JGPI - JPMorgan Global Equity Premium Income Active UCITS ETF USD (dist) - monthly dividends

I recently rebalanced the allocation because the XLKS is VERY concentrated on the top 3 holdings.
The plan is to invest a minimum of 60€ weekly! I curios to see yours, maybe you are betting on some industries?

The current secular bull market started March 9, 2009. It is approaching 16 years. Depending on your source, the average secular bull market is 16-17 years, and average secular bear market is ~12. The durations aren't fixed, and vary by as much as 10 years.

If trade wars start in earnest, one possible outcome is a severe economic contraction, as costs skyrocket and demand subsides. This would put strain on the weaknesses in the system, which could exacerbate the problem (i.e. post-covid commercial real estate).

My question is, for those more informed, what factors contributed to secular bear markets in the past? Do we face similar headwinds today? Why or why not?

Edit: A secular market refers to a long-term trend in the financial markets that lasts for years or even decades, driven by fundamental economic, demographic, or technological shifts. It lasts multiple shorter bull and bear market cycles.

Chart explaining it - https://d1-invdn-com.akamaized.net/content/picde5e957ae5545507aa034839832bafa5.gif

Investing.com too much fake spammy notifications, are you experiencing the same?

I am a longtime user of investing.com website and app and I have been receiving at least 15 fake news and spammy notifications it’s like post recommendations thing. Always use catchy topics. I was doing my best to stop these notifications and never been able to do so. I guess I just found the source of it all, and I am sure it should work.

Are you receiving the same? Are you bothered with it at all? If so, please comment. People may not need this post today but I am sure someone would appreciate it at some point.

So most likely in 1-2 month I will be laid off. Trouble is, I needed employment to finance something in the spring, for which I will be no longer eligible.

Whilst I still have a job and am more open to risk, I would like to try options contracts.

What platforms can be used by us retail investor ?

Why contracts ? Because of the possible short term gain and no risk of getting in debt.

If anyone is asking, under 10% of my emergency funds will be used here.

2022 and 2023 Jan purchases. Close to $25k.

https://www.reddit.com/r/technology/s/aD7ASe2mYR Or am I too late?

Where should I park my money? Qqq and call it a day?

An year ago when you guys discussing of removing the money and taking 3 month hit and putting it in hysa, I thought it doesn't make sense to pay taxes on the interest earnings, as treasury bonds are interest free, but how bad Ami I doing with my finances here?

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 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:

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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!

Can anyone give me opinion on a profit taking strategy if an active trader, but not day trader.

E.g I hold a balance of ETFs, gold contracts, cash.

I'm getting to the point I want to take out some profits and at high points and re-enter after dips (like recently).

Plan was to consider closing 50% of an ETF position at 15% gain, move this to gold contracts and hold cash (50/50) or so. Re-enter after a dip/correction based on technical analysis or market news panic.

Reduce position again at 20% by 50%, rinse and repeat.

I live in an country without capital gains tax.

Look, either way there has to be something missing here. I own SPGI, and want to eventually buy MA and V once the price target becomes more attractive as they in specific are good reasonable investments. Yet if you look at 5-10 year performance they do not outperform the market over a chunk of time. I know many people say “past results don’t yield future results” and I agree. But these companies are not changing, their motto is the same and they stand for the same things 5 years ago as they do now. VOO beats majority of stocks long term unless you are going the growth route with tech stocks or strong moats. Again, I invest in individual stocks and would own these but make it make sense with financial stocks and others that cannot outperform S&P long term.

Stock price in the short term:

Actually share price is a form of speculation, the first person buys the stock at $10, the second person buys the stock at $20, and the third person buys the stock at $30. The only time people have money to buy the share. This is often referred to as the "greater fool theory," where investors buy overvalued stocks hoping to sell them to someone else at a higher price. The only time when a shareholder has the money to buy more shares is because, of inflation, inflation will lead to more cash in hand and the person will have more money to buy the share. Imagine if the first person who a lot of units of stock when they buy it very very early at a very low price, e.g Investor A - 100 units of $100 of stocks (now at 100 units of $10000), Investor B -> versus 1 unit of $10000, once investor, cash out everything, the investor will lose a lot of money, because the share price of a plummet from $10000 to $100, money does not come from thin air and somebody has to pay for it.

Stock Price In the long term:

The only time when the stock has intrinsic value is when you own 51% of the share, or when the company pays you a dividend or performs share buyback, however, they have no obligation to do this. Just because they think that the company has intrinsic value, people will buy more leading to greater fool theory.

Bond:

During a recession, people flock to the bond market as a haven to park their cash temporarily. As such, this will drive the net value of the bond price up. In the short term, this will cause the greater fool theory to appear as well. The first person buys the stock at 10, the second person buys the stock at $20, and the third person by the stock at $30. And this is based on speculation. As a result, the bond dividend will fall, once they have enough capital and don't require your money anymore, as such the pie will become smaller and they need to split the dividend among another investor.

I am in the Navy Reserves and have contributed decently to my TSP. I have a bit over $30k in there currently and it grows decently well despite my minimal contributions. I have an old 401k that is just under $19k that also has decent growth but not nearly as well as my TSP. The 401k is still has a balance with old employer contributions and because I was not fully vested, if I roll over that money into my TSP I lose around $3000 of that money, which would be the same amount if I pulled it out now at $19k or if it were a few years from now at $30k (I get to keep anything gained from that money) . Would it make more sense to move it now and just let that money grow more in my TSP or keep taking advantage of that small employer contribution bump and keep it in the 401k?

As Title. currently I'm using Vangurd for biweekly DCA. I want to try VCA to compare its performance with DCA.

Is there any broker support this auto periodical VCA? better to have some freedom to adjust the amount of investment. For example to invest $500 more when market price is lower than a threshold, or invest $500 less if market is higher than a number.

Thank you!

Long story short I turned 18 a month ago and have half a million gaining interest in fidelity. 80k left to me as well in Akami. 20k in a ton of tech and crypto like NVDA GOOG COIN BITCOIN ETC. where do I go from here. How will trumps tariffs affect the stock market. What percent do I invest now. What amount should I etfs

With Trump announcing tariffs left right and centre, I am wondering what is the sentiment of the investment community? History has taught us that tariffs is a lose-lose strategy for all parties ultimately. No doubt, countries will retaliate against tariffs imposed by the US. Some countries will suffer more than others, but I don't think the US will be immune. The world's supply chain is so intertwined now, and collateral damage will happen everywhere. It is quite possible that historical allies of US will move further and further away from the US in terms of trade and other exchanges. I cannot see how this can be good for US businesses in the long term. What is your thought?

DeepSeek disrupted the AI market by aggressively open-sourcing powerful models, undercutting Western companies, and accelerating AI commoditization. This led to pricing pressure, security risks, and market fragmentation. Their rapid advancements fueled AI hype fatigue and regulatory concerns, forcing governments to rush AI policies. While their innovations made AI more accessible, they also destabilized the industry, making sustainable business models harder to maintain.

I only have budget to invest in fractional share in the ETF I buy. This is to hold long term.

Market orders will just invest my buy into different share price which may be red.

Limit price will only invest at the limit price I set or below it price.

What are the impact it will cause in long term though?

Capital , compound does it matter for common stock or accumulating etf?

I read that for DCA is better to choose Market Order. But there are some investors who choose limit order.

Pros, cons?

This summer, I will be working at a tech internship and I expect to make roughly $10k post-taxes. I have a decently affluent background and a full-ride tuition scholarship at Ga Tech, so I do not need to worry about housing, food, or savings thus far. I wanted to ask the people of r/investing to guide me in making smart decisions with this money. I am 20 years old.

I am planning to max out my Roth IRA, and invest the rest in my 401k (no employee matching). What specifically should I invest in, however? Should I continue with this split? (7k in Roth, 3k in 401k) Should I invest in something completely else?

Thanks! Please let me know if I can help anywhere.

I'm currently working as software engineer. I'm quite scared that AI will became powerful and cheap enough to take almost all white-collar jobs.

I'm thinking about the best way to hedge about it. NASDAQ-100 or particular AI-oriented companies seems to be the best way to go. I'm not sure if this is the way though.

If the AI becomes cheap and powerful - it will be easy for any start-up to create its own version of it. A lot of knowledge about AI is not really a secret and the know-how can spread with people changing jobs.

In such world companies like Microsoft can lose a lot, because it will be super easy to create copies of their software. If AI will be cheap enough - the demand for cloud computing will drop.

Demand for Nvidia products may fall as well (or stop rising).

I feel like we saw a sneak-peak of such scenario on Monday due to Deepseek.

Do you think these points are valid or maybe completely delusional? Maybe we won't stop with AI development and continue developing it, so it will be able to invent solutions to world problems on it's own? In such scenario - the demand for computing power will never stop.

I'm looking to start my first brokerage account and really gain some financial literacy. I was looking online for best places to open an account and top 3 are Robinhood, SoFi, and Charles Schwab. I'm seeing that Robinhood and Sofi have promos for free stock and I'm wondering if that's worth it at all. Any information or education is greatly appreciated. Please respond like I know nothing because I don't.

Hi everyone! I recently started thinking about doing a backdoor or mega backdoor Roth, but am wary of the pro rata rule and don't know if I'm properly understanding it.

If I have meaningful amounts of pretax traditional IRA dollars (from old 401k rollovers) as well as an almost equal pretax amount now accumulated in my current 401k, is there any way to work around the pro rata rule when doing a backdoor conversion?

Thank you so much!!!

Hi all,

Do you have any strategies for organizing your brokerage account? For example, one brokerage account for dividend stocks, one for ETF, and one for growth stocks. I have seen a friend of mine having various accounts. Her reason is that she wants to do day trading without violation of good faith.

Small note - I'm looking for an approach for an investor, not a day/short-term trader.

I appreciate any help you can provide.

What do you think about this?

Instead of VXUS for 30% of portfolio, to chose 2-3 developed countries, by the CAPE ratio and Buffet indicator, and change them every 1-2 years.

What do you think, could this have a much better return than VXUS that has a lot of underperforming countries?

Is anyone doing this?