Hello!

I had a baby a few months ago and have a HYSA for him that gets regular deposits. The current rate is 4% but that will most likely drop.

I was thinking of putting a majority of his funds into t-bills in the long term. Is this a good option? Any advice would be helpful. Thank you for your time!

I currently use Robinhood for investing in stocks. It gets the job done but I feel like there is a better app for investing in stocks. Just looking for some other opinions on people who use different apps or even if you just use Robinhood! I mainly just invest in stocks/ETFs but also dabble in options. What do you think is best? Anything from interface, fees, or reliability.

My 30 year mortgage is at 2.75 % and I only have $240k left. I maxed my emergency fund and have a few HYSA. Paying for college for 1 kid with another going in 3 more years. What do you recommend? I have about 260k on my 401k at present (couldn’t contribute at all until 12 years ago as a single parent), I am thinking on investing my bonus on VTI and VOO, any solid suggestion and how to learn to get there on my own in the future would be great!

I recently received $10,000 and am considering allocating $7,000 to a Roth IRA, $2,000 to stocks and cryptocurrency, and $1,000 to debt repayment and personal enjoyment. Could you offer any advice or suggestions? Specifically, what stocks and cryptocurrencies would you recommend? Would it be more prudent to invest in stocks and cryptocurrency now, or wait for a market downturn and invest incrementally?

Hi.

I was wondering if I need to be concerned about whether my investment in Traditional IRA is giving me qualified vs ordinary income?

For example, if I have a REIT in there or a cover call ETF like JEPI or JEPQ, does it matter if those investments gives ordinary distribution instead of other investments giving qualified distribution in the Traditional IRA?

Buffet has stated that when he dies, he’s going to allocate his wife’s inheritance to 90% S&P 500 and 10% short term treasuries.

If Buffet gave his wife half of his $144 billion net worth, and for this example let’s say she receives $72 billion, that means $7.2 billion will go to short term treasuries. That’s a lot of cash. Is this right? Maybe this protects downside risk?

For us retail investors, would this be a good portfolio to mimic for the long run even with smaller dollar amounts?

The way I see it, to use this example for someone with a $300k portfolio, this means $270,000 would be invested in the market and $30,000 would be allocated for fixed income. This $30,000 wouldn’t be the “emergency fund” it would just be the investment portfolio make up. They’d have a separate 3-6 month emergency fund in another account.

I recently found out today that the administrative fee for my 457b plan was 0.15% yearly. This is through empower. Am I wrong to think this is ridiculously high? My employer also offers a 403b plan through fidelity that has a much lower administrative fee ($25 a year). I really liked the idea of having a 457b since I plan on retiring at 55 and can pull funds from my 457b without paying additionally tax rates. However, is it even worth keeping with administrative fees that high? My current index fund expense ratio for my 457b plan is at .03% and I am contributing about $1,300 monthly at 25 years of age.

I put about 10k in nvda and basically doubled my money. Want to take my profits and invest into something else that hasn't quite taken off yet. I keep seeing people mentioning Google, but it's at its ath...why would I go all in at its current price? What stocks are you looking at and why?

I bought a biotech stock from the pink sheets. The owners let the stock go to the Expert Market after winning a huge government grant. I believe the insiders are trying to accumulate more shares of the company through one of their funds before getting back to compliance.

I was in the process of buying 50% of the business and trying to liquidate them prior to them going to the Expert Market. My plan was to threaten the insiders with a hostile takeover to find out if they had anything of value or just vaporware. I qualify for being able to buy on the Expert Market, but have no idea how to gain access.

Most, likely when they comply with the higher tier OTC Markets they'll be going for a nickel from 0.00015. Been following them for a long time. The price is low enough for me to secure a position on the board of directors, while risking no meaningful losses. I'd like to get at least enough shares, before they relist, so I can lead Pfizer on for free Wagyu and caviar in the future.

How does one gain access?

I vaguely recall reading somewhere about how for most markets such as the US and UK, the top 10 stocks account for something like 40% of the gains of the next 90 making up a FTSE100 ticker or similar. Is it a viable investment stragegy just to invest in the top 10 (or 20, etc) stocks in a market and just sell/swap those that drop out to reinvest in the ones rising?

I'm 31F low income 39k a year. I work 2 jobs, 1 full time and the other seasonal gig work.

Because i have immigration income requirements (like 28k minimum) for sponsorship, I think i can only contribute a small percentage to my employer 401k match .., does this sound right to you????

I contributed 4.7k (this year for 11 months of work /unpaid vacation) or like up to 7k next year if my pay stays the same or little raise.... the match limit is 10k so I'm leaving thousands of dollars on the table just so i can meet the immigration sponsorship requirement...

However, I did invest 40-50% or something of my income this year....

I didn't take medical insurance, again, so I only pay $500 for vision and dental.. but helps boost my income and investments...

I just opened a roth ira this month and maxed it 7k.

I just opened a HYSA 3.9%... and will put a good percentage of my income there going forward instead of chase checking.....

Should I invest stocks or something? As mentioned previously on another post I'm still hesitant to get into a booming stock market besides the 401k , roth ira...tied to that.. im currently just in money market waiting on sidelines right now.. and 2060 target date.

Next year i was going to re-enter into the crypto market and invest a little there in some altcoins.

Would you have other suggestions given my income and circumstance? Or am I wrong to think of the immigration requirement in this way in regards to my 401k?

As far as an income boost, I'm trying to get a coursera certificate .... but I'm feeling really down about being perpetually low income and stuck in my current job sadly

I own VWUSX in a normal brokerage account. They pay annual capital gains around this time of year, but I can’t find a distribution date and/or realized games beyond 10/31 on Vanguard’s website or elsewhere. Anyone know if this exists, or will it be a surprise? Trying to determine tax implications.

I was just laid off. I am getting 5k in severance. I have a 140k net worth with 15k of it in savings/checking. My required monthly expenses are about $2k a month. I promised myself after my current job, I would work for myself or go back to get my MBA. However this was sudden so I’m lost here. Any advice? I really want my full time job to be an investor

I know i have overlap through VOO/SPMO/SCHG but that was intentional since i am young and plan for long term holdings. Therefore Growth Overlap.

As in for India ETF, i am a Non Resident Indian thats why i am bullish on it.

Any suggestions and opinions highly welcome.

Equity - 75%

VOO - 30% / SPMO - 10% / SCHG - 10% / XMHQ - 10% / AVUV - 10% / FLIN - 30%

Non Equity - 25%

10% Gold / 15% HYSA @ 4.3%

TLDR: has anybody run the numbers and can use simplified models to mathematically justify diversification, however that’s defined?

I’ve read commentary and watched videos on people espousing the virtues of diversification from a QUALITATIVE point of view, but I’ve never seen a QUANTITATIVE argument for it. What I mean is people using word logic/fancy words but no math.

You see people run the math on Traditional vs. ROTH, market timing, etc., but I’ve never seen anybody run the math comparing an investor all in on one market (100% VOO) vs. 80% VOO and 20% International as a simplified example. It could be other mixes too, but again the point remains I can’t seem to find arguments in favor of diversification using math (even on grossly simplified models).

Right now, one could justify being in one broad market index like VOO (with no diversification to international/bonds/other indexes etc.) is “if it can volatile its way down to hell, it can volatile its ass back up too”.

I have an opportunity to invest in a biotech company at the series A fundraising round. The company has multiple patents pending and has laid out their plans for multiple exits at 4x to 8x value in the next 10 years. The presentation looked great, but of course it did, they want money. Any big red flags to look out for or ask about in a series a fundraiser?

So when CAVA was kind of new, I bought stock because I thought the idea was brilliant. *And* I really liked their food. Mediterranean cuisine prepared quick and easy, like Chipotle? It's healthier, and very tasty! What's not to like?

Well, now that I have been there a bit more often, the two CAVA locations that are closest to me seem to be run horribly. They both have employees who simply don't give a damn, and look permanently miserable. The meats seem to be lower quality now (that declined fast!) and half the time something seems to be down, like the fryer (eliminating part of their menu with falafels etc), or credit car readers.

I'd put these issues down to rapid expansion, teething issues... but it's been going on long enough for me to wonder.

Anyone else a fan or critic of CAVA? I'd be very curious to hear your opinions. I am also just searching reddit and social media for public opinion of CAVA.

Cheers!

Hoping for input on our current set-up, a few years ago I moved to a non-profit job and rolled my 401k to a 403b, but there's no match so I should move those funds to something better. My job now pays $7-8k annually into a SEP IRA and I'm not sure if I move that or let it sit. Husband and I are both 40 and make about $125k gross and have a mortgage. Ideally all stays with Vanguard.

403b - $53k (in Vanguard Target retirement 2050) - job does not match, roll somewhere?
SEP IRA - $14k (all VOO) - roll somewhere?
Random brokerage - $14k (all VOO) - I think we dump all extra money after ROTH max here?
My ROTH IRA - $66k (in VSMGX) - should we be more aggressive?
Husband ROTH IRA - $22k (in VSMGX)
Emergency fund in 4.75% savings acct - $20k

Advice much appreciated - thanks!

Hi, I´m gonna covert my calls to stock in january, because I still want to hold it. However I will need to use margin for that, given that I´m almost fully invested in my account (larger account, no problem for me with margin) I´m looking for some stocks or ETF to short it, so I´m not paying for the margin. What are you using for that? I want something very stable + dont yet have experience with bonds.

Sup guys!

For the last 8ish months I’ve parked my money in a HYSA that’s 4.65. It’s north of 100k and I’m wondering if that’s the best place to keep it? I recently found this thread and it seems like a brokerage account is better but I’m not sure. I’m not financially savvy and have no idea what to do.

Looking for some advice here and appreciate all input!

I like the funds being liquid now as I dip into my savings to buy stuff that I like.

https://finance.yahoo.com/news/figs-reportedly-gets-takeout-bid-113701587.html

I own like $50,000 worth of FIGS stock and am currently down like 70% :(

If this private equity pays $6 per share do I just get cashed out at $6 and take huge loss when they go private or will the stock continue to exist?

Of course these stocks don’t make up my total portfolio.

I’m just curious to see others opinions on them

BRK-B (Berkshire Hathaway, Inc.)

UNH (UnitedHealth group Inc.)

ACMR (ACM research Inc.)

LNTH (Lantheus holdings, Inc.)

FSLR (First Solar, Inc.)

Long-time investor in AMD who’s beginning to seriously question the company’s relevancy at this point. In a year where tech has been dominating, it’s eye opening that AMD is down nearly 14% on the year. What gives? What, if anything, are investors missing? Is there a strong bullish case for the company or is this becoming an Intel story?

Hey all,

M/31 here who’s trying to save/grow some money. 5 years ago I left my first job that that I had a 401k at. When I started at my current job I went to move the money to my current employers 403b plan. I kept getting mail from the old retirement group (Voya) and couldn’t figure out why. As it turns out, the money for some reason never rolled over into my current retirement plan. So now I have this $5880 IH9900 that isn’t growing. What should I do with this money? I’m single, no kids, and would really love to buy a house within the next three years. I’ve got about $10k in savings and I’m working on paying of some credit card debt ($3500ish). Any and all help/input/constructive criticisms are welcome. Thanks!

Hi all.

If you know for a fact that you will need to withdraw your Roth IRA early and pay a 10% fee because it's a non-qualified distribution, is it better to do it sooner or wait?

In other words, is it better to pay the 10% fee on your earnings now and then use your Roth IRA money to buy the same amount of shares in a regular brokerage account (to avoid paying a larger fee down the road), or is it better to wait ten years or so and pull it out then, in which chase the 10% fee will be larger?

Hi everyone,

I work for the state as a registered nurse supervisor. I currently have a pension and I also have a 457b plan with employee match. Honestly, I do not know much about any of this. I am trying to learn as I go. I was wondering if adding to the 457b is worth it? Or do I want to be looking into/doing something else? I would appreciate any information/advice. I can provide more information if needed as well. Thanks so much

Hi all - wanted to get your take on the following portfolio allocation. I am a 29 year old and will be DCA'ing $2,500-$3,500 a month into this account spread amongst these allocations. Looking at a long term timeline and trying to stay diversified as well as possible. I'm also a huge fan of value investing. I understand my bond allocation is low, but I do not particularly want to allocated more than 5% given my age.

U.S. Equities - Large-Cap Blend (FXAIX): 15% Broad exposure to the largest U.S. companies for stable growth and income.

U.S. Equities - Large-Cap Value (AVLV): 15% Actively managed, focuses on undervalued large-cap U.S. companies with strong fundamentals.

U.S. Equities - Large-Cap Growth (FSPGX): 10% Growth-oriented large-cap stocks in high-growth sectors for potential capital appreciation.

U.S. Equities - Mid-Cap Value (AVMV): 5% Mid-cap companies with a value tilt, balancing growth potential and stability.

U.S. Equities - Small-Cap Value (AVUV): 10% Focus on small-cap stocks with deep value opportunities for higher return potential.

International Equities - Blend (AVDE): 20% Developed markets exposure with value and profitability tilts for global diversification.

International Equities - China Region (MCHI): 5% Exposure to large- and mid-cap Chinese companies across diverse sectors.

International Equities - Emerging Markets (AVEM): 5% Actively managed, focuses on value and profitability across emerging markets.

Sector-Specific - Healthcare (VHT): 5% Targeted exposure to the U.S. healthcare. Defensive stocks that increase diversification in portfolio.

Fixed Income - Bonds: 5% Broad exposure to U.S. investment-grade bonds for stability and income.

Cash (SPAXX): 5% Maintains liquidity for emergencies and opportunistic investments.

Not too serious of a question, but like people say 99% of people don't out perform the market. Then what would stop me from financially advising people to invest in VOO or VTI and charge them for my "service".

I understand that people at different stages of live have different risk tolerances, but I think up until retirement you're probably safe to only have one of these ETFs.

I know of some financial advisors that are lagging behind the market this year, plus they charging a fee for their "investment knowledge". I think its ridiculous, let me know what you think.

Hello, I have the following Fidelity Retirement Accounts and looking for help to simplify and self manage my allocation (to avoid the fees):

sep ira - little over
100k - FFFGX (freedom fidelity 2045) - .75 expense ratio

rollover ira - little
under 100k - FFFGX - .75 expense ratio

current company
retirement account little over 100k - FCGLX (fa freedom 2045 k6) - .46 expense
ratio

Questions 1: For the SEP and Rollover looks like I can trade
into any funds I like. Which two would you recommend for the two fund portfolio
80/20 stocks to bonds? And is this what I should do or do you have other
recommendations?

For the current company
account I can choose from a group. In that groups is:

Large Cap

FID 500 (FXAIX)

JPM Equity Income R6
(OIEJX)

JPM LG Cap Growth R6
(JLGMX)

Bond Investments

FXNAX

PGTQX

PTRQX

Question 2: Should I go 80% FXAIX and 20% RXNAX?

Other info: 45+ years old,
have little over 100k in vanguard retirements accounts with VTSAX 100% and a
brokerage account with a little under 100k in VTSAX 100%. Shooting to retire at
58.

At this point in time does it look like Nvidias growth is only limited by regulations and laws directly and indirectly (Nvidia choosing to not foray across industries to avoid triggering regulators) or are there other factors that might impact Nvidia such as emerging competitors?