Good evening 🌜🌝🌛 Redditors -

As usual, we selected the best articles published in the past few days 👇:

PORTFOLIO CONSTRUCTION 
➡️ Asset Allocation: US vs non-US Stocks by Goldman Sachs
➡️ Markets: Explaining International Valuations
➡️ Portfolios: Best Version of the Three-Fund Portfolio
➡️ Bonds: Are Bonds Hedges or Risky Opportunities?
➡️ S&P 500: The Pyramid of S&P 500 Returns (1874-2024)

ETFs & PLATFORMS
➡️ VWCE & Chill: Investors Are Cooling Off on Vanguard. Should You Invest?
➡️ Index Rebalancing: Do Index Funds Incur Adverse Selection Costs?
➡️ Index Funds: What Makes a Good One?
➡️ From Bogleheads to Gearheads: ETFs Rapidly Increasing in Complexity

ACTIVE INVESTING
➡️ Wall Street: A Crazy Story Of A Citigroup Trader
➡️ Skin in the Game: How do fund managers invest their own money?
➡️ Bitcoin to Zero: Why Eugene Fama Thinks Bitcoin Is Going to Zero
➡️ Portable Alpha: How it developed and why multi-strategy is the future
➡️ Why Do Portfolio Managers Care About Factors? Not What You Think.

WEALTH & LIFESTYLE
➡️ Living Off Your Portfolio: The Lifecycle Model Vs SWR
➡️ Couple Money:  Is this marriage for love? ‘I always recommend a prenup.’
➡️ Retirement: How Retirees Can Determine a Safe Withdrawal Rate in 2025
➡️ Pensions: Countries With the Most Pension Wealth in 2025
➡️ Financial Advice: Getting Value Out Of ChatGPT As A Financial Advisor

TECH & ECONOMY
➡️ US Tarriffs Impact: Deutsche Bank Tariffs primer
➡️ DeepSeek: DeepSeek Proves AI Comes for All Jobs - Even AI Jobs
➡️ Climate: The utterly plausible case makes London much colder

AND ALSO
➡️ Sakura: Japan Sakura Forecast
➡️ Family: A Freedom-Maximizing Approach to Parenting
➡️ Health: 35 Simple Health Tips Experts Swear By

And so much more!

Have a great week-end!

Francesca from BoW Team 🚴 🚴🏼‍♀️

Good evening 🌜🌝🌛 Redditors -

As usual, we selected the best articles published in the past few days 👇:

PORTFOLIO CONSTRUCTION 
➡️ Asset Allocation: US vs non-US Stocks by Goldman Sachs
➡️ Markets: Explaining International Valuations
➡️ Portfolios: Best Version of the Three-Fund Portfolio
➡️ Bonds: Are Bonds Hedges or Risky Opportunities?
➡️ S&P 500: The Pyramid of S&P 500 Returns (1874-2024)

ETFs & PLATFORMS
➡️ VWCE & Chill: Investors Are Cooling Off on Vanguard. Should You Invest?
➡️ Index Rebalancing: Do Index Funds Incur Adverse Selection Costs?
➡️ Index Funds: What Makes a Good One?
➡️ From Bogleheads to Gearheads: ETFs Rapidly Increasing in Complexity

ACTIVE INVESTING
➡️ Wall Street: A Crazy Story Of A Citigroup Trader
➡️ Skin in the Game: How do fund managers invest their own money?
➡️ Bitcoin to Zero: Why Eugene Fama Thinks Bitcoin Is Going to Zero
➡️ Portable Alpha: How it developed and why multi-strategy is the future
➡️ Why Do Portfolio Managers Care About Factors? Not What You Think.

WEALTH & LIFESTYLE
➡️ Living Off Your Portfolio: The Lifecycle Model Vs SWR
➡️ Couple Money:  Is this marriage for love? ‘I always recommend a prenup.’
➡️ Retirement: How Retirees Can Determine a Safe Withdrawal Rate in 2025
➡️ Pensions: Countries With the Most Pension Wealth in 2025
➡️ Financial Advice: Getting Value Out Of ChatGPT As A Financial Advisor

TECH & ECONOMY
➡️ US Tarriffs Impact: Deutsche Bank Tariffs primer
➡️ DeepSeek: DeepSeek Proves AI Comes for All Jobs - Even AI Jobs
➡️ Climate: The utterly plausible case makes London much colder

AND ALSO
➡️ Sakura: Japan Sakura Forecast
➡️ Family: A Freedom-Maximizing Approach to Parenting
➡️ Health: 35 Simple Health Tips Experts Swear By

Have a great week-end!

Francesca from BoW Team 🚴 🚴🏼‍♀️

Hey! I'm using SoFi Invest 📊 to buy and sell stocks (and pieces of stocks). Open an Active Investing account with $25 or more, and you'll get $25 in stock. Use my link: https://www.sofi.com/invite/invest?gcp=13363f66-c06f-496c-9ac1-5d3f911f6178&isAliasGcp=false

I made a total profit of 113$ from stocks and crypto and dividends total. Do I need to wait for my 1099 to do my taxes? I figured with such a low amount of profit. I could probably just report the $113 income and be done with the instead of waiting another three weeks to do my taxes.

Total SIP amount :- 8k

Time horizon :- 10 years(minimum)

Risk type :- moderate

So 22 M Newbie in invest just want to start investment can you suggest some MF where can i invest my money

Hi everyone, I want to do investment banking course, I choose IIM ranchi for it. He ensures me 80% placement and rest depends upon me, also its sponsoredby intellipath. It is an online course for 9 months but online courses has no Market value. I am little bit confused regarding my decision. Please share your views on it. If someone has done this course please connect and help me.

Posting a message from my friend who is not on reddit. He is in US from 2 years and is on work Visa and will stay for 4 more years.

His message: I have 25k cash and want to know where I need to invest. I am new to financial markets in US and I am here on a work Visa. Interested to explore multiple options. I am willing to learn as well if someone points me where to look at how to start financial planning. The horizon i look for is 4 years and after that planning to go back to my country. This is the first time I am thinking about saving money and till now I haven't saved much in my country as well.

(IN NY STATE) I want to get into stocks but I want to use a company to buy and sell but I don’t know anything about which are good or not but I’m looking for one that is trustworthy/reliable and doesn’t charge too much for using them (to just buy stocks not for advice on which stocks to buy)(IN NY STATE)

Starting to take investing more seriously and want to build a proper foundation. While studying different methods, I'm curious about how you guys research and evaluate potential investments. What key factors do you always check before making a decision?

Hey guys I'm 23 years old and working full time currently. And I wanted to know how many things should I be investing in for my overall portfolio. Currently I have a 401k(fidelity), Roth IRA(fidelity), crypto(Coinbase) and saving account(4.5 APY). Is this technically all I need or is there other way to diversity your overall net worth. What should be looking at in the future and what can i do to get ahead. Thank you!

What do you do to maximize your profits and use the profits instead of watching them go up and potentially go down and watch profits go away. I am a long term investor my dividends get reinvested. I have a stock broker and I know taking profits out you get taxed and I never know when to take my winnings and bank it and leave my initial investmet in the stock?

Good evening 🌜🌝🌛 Redditors -

As usual, we selected the best articles published in the past few days 👇:

PORTFOLIO CONSTRUCTION 
➡️ 100-yr Returns: Stocks/Small Caps vs Bonds, Real Estate & Gold
➡️ Asset Allocation: Is Your Overconfidence Leading You To Financial Ruin?
➡️ Market Bubbles: The Seven Pillars of Market Bubbles
➡️ Investment Mistakes: Three common mistakes and how to avoid them
➡️ Bonds: Is It Time To Lock in 5% Yields?
➡️ US Stocks: The case for and against US stock market exceptionalism

ETFs & PLATFORMS
➡️ ETF Trading: Market 'collusion' in ETF trades on Euronext exchange
➡️ Vanguard ETFs: What Are UCITS Equivalents Of Vanguard Funds?
➡️ Passive Investing: Is There a Problem with It?
➡️ Freetrade: faces investor backlash over £160m IG Group sale

ACTIVE INVESTING
➡️ Do Factor Strategies Beat the Market? Edward F. McQuarrie's Take
➡️ Small Caps: The Best Way to Play Small Caps (Not the Russell 2000)
➡️ S&P 500: Which Sectors Hold the Most Cash?
➡️ Alternatives: How to Buy Them
➡️ Crypto: Crypto is, in fact, about sending people money.

WEALTH & LIFESTYLE
➡️ Best Podcasts: 22 Top Financial Podcasts To Listen To In 2025
➡️ Retirement: 13 Financial Steps To Take Five Years Before You Retire
➡️ Personal Finance: The Lifecycle Model vs. Safe Withdrawal Rates 
➡️ FIRE 101: How Kat Discovered The Road To Financial Independence 
➡️ Happiness: How much money buys you happiness in retirement?

TECH & ECONOMY
➡️ Careers: The Right Way to Look for a New Job
➡️ Women & Finance: Women Are Deciding the Fate of Trillions of Dollars
➡️ Stanley Druckenmiller: Tariffs are a consumption tax that foreigners pay 
➡️ AI: How Companies Are Actually Spending Money on AI Now

AND ALSO
➡️ Science: Your brain is lying to you about the “good old days”
➡️ Wall Street: The world’s 100 largest asset owners

And so much more!

Have a great week-end!

Francesca from BoW Team 🚴 🚴🏼‍♀️

I came here for advice on investment strategies other than putting money in my savings account that can help me accumulate money quickly. I'm 22 and want to be fairly well set up by the time I'm 30. I'm saving up for a car as of right now. Any suggestions are welcome!

Hey there

I'm seeking a $300 investment for a companionship service providing personalized connections for individuals combating loneliness. In exchange, you'll receive a 5% equity stake in the business, entitling you to a percentage of the revenue for as long as it operates. Funds will be allocated to ads and ad revenue growth, capitalizing on a unique and growing market. By investing, you'll contribute to a socially impactful business making a positive difference in people's lives. If you're interested, let's schedule a call to discuss further.

Best regards, Samuel

I have a lump sum of cash I want to aggressively grow before my retirement in 20 years. I want to be aggressive but I also don’t want to get hammered with a correction to set me back 1/2 or 10 years. In todays overvalued PE market, what ETFs make sense to reduce risk