What are good funds to invest in for a 9 yo?

We set up a custodial brokerage account for our 9 year old daughter. It currently has $12,000 in it, equally invested in 3 funds: VTI, SPLG, and BRK.B.

Our plan is to add $1000 per month going forward, with the intent that the funds could be used in 20ish years for a down payment on a home.

(Note that she already has a 529 plan with 250k in it, so I don’t think any more money needs to be added there).

My wife and I were gifted oil and gas rights in the Dubois area in Pennsylvania. How would I go about finding out who is utilizing that area for exploration and if someone is willing to drill there?

This is completely out of my wheelhouse and not sure where to start.

I appreciate the help.

Basically my sister just had a child and gave me a beautiful niece. I was wondering is there any investment account I can start for her right now. Can you make a custodial Roth IRA for a not even one year old? Do I just make a regular individual account and transfer the assets when she’s of age? If anyone could point me in the right direction it would be appreciated.

I am self employed and pay myself payroll.

I have a self 401k that I can make pre tax and post tax contributions.

I know a roth IRA you can only contribute like 6500$ a year, however with a roth 401k I can contribute up to 23k? Is this correct? It was my understanding that I can choose to invest within the 23k post or pre tax money and there isnt an income limit like a Roth IRA.

Therefore, isnt a Roth 401k superior? Meaning I can put away ALOT more than the avg person for post tax money?

1. What are the applications of SunHydrogen’s technology?
While our immediate focus is fuel cell vehicles, we recognize and embrace the vast possibilities for green hydrogen application. Long term, we envision that our technology can be utilized in industrial, residential and commercial settings, as well as feedstock for various petrochemicals and products.

2. What is Gen 2 technology?

Our Gen 2 technology, also known as our nanoparticle technology, brings lower costs, improved efficiency and scalable potential. Powered by solar energy, billions of our microscopic nanoparticles split apart water at the molecular level, extracting hydrogen for use as a clean energy source and leaving behind only clean oxygen as a byproduct.

3. What is the company’s timeline for commercialization?
The timeline below outlines our progress toward the development and production phases of our technology. Projected targets are subject to change as we continue to engage new partners and identify the most efficient pathway to scale our technology.

• SunH
  • Small team
  • No factories, relatively low expenses
  • Patents covered worldwide
• Partners (laying out the infrastructure)
  • HONDA
  • CTF Solar GmbH (Germany/China): Thin-film production
    • This is a Chinese Top 200 company in Asia.
  • COTEC (Korea): Electroplating
  • Geomatec (Japan): Thin film tech
  • MSC (Korea): Thin film tech
  • Ionomr (Canada): Membranes
  • InRedox (US): Nano technology
  • Schmid (Germany): Panel design
  • Project NanoPEC (Germany): Access to 5/6 LEADING member companies
  • U of Iowa (US): R&D
  • U of Michigan (US): R&D
  • Various Consultants/Advisors: Worldwide
    • Among which 3 Japanese Drs, with thousands of citations worldwide.
• CEO Statement
  • We believe our methodology for this completely homegrown multi-junction semiconductor will be the holy grail of green hydrogen production, and we are committed to making it happen: Most recently, we have worked diligently to translate our lab-scale success to commercial scale with our partner COTEC of South Korea, a world leader in industrial electroplating and electrochemical processes, as well as with several German companies and institutions through Project NanoPEC.

Say for example Jeff Bezos has all of his Amazon stock in Webull. Billionaires like him keep most of their wealth in stocks. Webull tanks and the insurance only covers 500 grand of stock. Does that mean Amazon is a doomed company because they just lost the biggest stock holder?

Along with the other billionaires who keep their stock in that platform?

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!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

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:

• How old are you? What country do you live in?
• Are you employed/making income? How much?
• What are your objectives with this money? (Buy a house? Retirement savings?)
• What is your time horizon? Do you need this money next month? Next 20yrs?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
• Any big debts (include interest rate) or expenses?
• And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

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!

Hi all, I'm new to the game and wanted to know more about

- what are some the best tools to do comparables to understand what a good price points are?
- understand the best sets of comparables to utilize as best indicators
- any other important tips and tricks when doing a CCA (Comparable Company Analysis)

I currently have about $35k in an HYSA @4.1% About 21k in investments, about $7k of which is ETFs, rest are crypto($5k) and individual stocks. Some like META, JPM, APPL etc and some terrible penny stock picks.

I think I should restart investing in VTI, but probably wait a couple months for market correction?

Also, I have about $282k mortgage, should I instead dump my savings towards my mortgage ? I do have some money set aside in checkings in the meantime

Genuine question here: Trump vowed to begin mass deportations on "day one," depriving many industries such as agriculture, food service, and construction, of needed workers. Then factor in his promised tariffs of 60% on imported Chinese goods and 20% on imported Mexican goods. I would also note other uncertainties moving forward, including revoking funding for Biden's climate initiative. My portfolio just crossed $400K. For the last 20 years, I've been all-in on aggressive index funds with loads less than .7%. I am 10 years out from retirement and I have been managing my own porfolio since 2005. I have a lifetime return on my investments of 9.3%. My investments are mostly held through 401K and Roth IRA funds. I need to reduce my risk. I have never invested in bonds, but coming from the AEC industry I understand them and the rating systems (which were spot on in 2008 /s). I have access to a limited variety of investment vehicles at this point, but in two more years my options will greatly increase. I own my home with $300K equity and my kids are out of college. If you had a similar portfolio what would you do?

I have the following options available in my 401k. Currently I am fully invested in NT S&P 500 Index NL-Tier 3 just due to it tracking the S&P with low expense ratio. I would like to balance out my portfolio a little. Any recommendations on what to do?

https://imgur.com/a/Mit9z3i

I've never used one before but want to start investing and thought that aside from budgeting out some investing each month id use one of these apps in order to not forget. Would it be worth it? Does anyone use round up apps like acorn? If so, is there a one you recommend using?

I work for a state agency and they offered us the option to invest in our 457b fund. When I started 7 years ago I basically maxed my contribution and put it all in a Target 2050 fund.

The fund targets people who retire in the year 2050. There is no employer matching. It's basically there as an option for retirement and I guess it helps you if you are close to the border of the tax bracket so you can lower it since you are deciding straight from your salary.

As I have grown and learned a small amount more about investing, im starting to wonder if I should change it.

The fund has a combination of large cap, mid cap,small, and some other funds. The idea is that at first it takes more risk but as you get closer to the retirement, It because more conservative. It has an expense ratio of .19 percent and is somewhat actively managed.

At first I was going to stop contributing to the fund and just put what I was going to contribute into my vanguard IRA or some other fund that tracks the SP500 instead.

I am now thinking of keeping the 457b, but changing future contributions do it purchases a basic large cap index fund that tracks the SP500 because it looks like my target 2050 fund does roughly 5 to 10 percent worse than the sp500.

Is there any benefit to switching to a Large Cap Index Fund vs stopping my contributions to my 457b, and just putting it into my own personal IRA which also tracks the SP500?

Is there a bubble in the current US stock market? Buffet seems concerned about the US stock market cap being at over 200% of GDP. Do you believe that the USA deserves to be valued at 60% of the global market cap? If there is a bubble, how much do you think the hype in tech has contributed to it?

I'm 20 years out from retiring and have a Schwab IRA. I'm leery about the stock market and want to move some (maybe most) of the IRA into bonds for about 4-5 years.

Is this a smart move? Are Bond ETFs the way to go? How do I find the best ones for my situation?

I am a W2 employee and maxed out my 401k (23,000 for 2024). Employer contributed another 2k.

The total annual addition limit is 69k.

Question - how do I contribute the remaining 44k?

Employer doesn't have mega backdoor. And from what I have read regular backdoor isn't counted towards the traditional limit.

Hi all, Has anyone found a way to not get slammed with exchange fees when buying/selling via CMC or Stake (or other platform)? I hate the idea of investments being strung TWICE with unneeded fees.

CMC: doesn't allow direct transfers in of converted funds. Has ~0.7% FX fees from local currency>international when buying, then again on selling.

Stake: also as above, plus a flat-fee $2(eg USD) when funding your account. Used to be able to fund by eg Wise transfer, but not supported anymore.

IBKR: looks like this is the way to go with very low buy/sell fees (but no FX fees), as the only platform to support although is unfortunately custodial-ownership (vs Direct Registration System)

Australian based eg AUD>USD, if that matters. Any recommendations other than Wise transfer for FX would be great (was also suggested POLi) Many thanks!

Why are people saying this. I've heard it said on financial news. Why be careful now?

I have a bunch of cash and I'm seeing the money market rate go down. So I was thinking of sgov or similar. But seeing all this "be careful" talk, not sure if I should be concerned with sgov or other govt bond fund.

What's the deal?

Hi Everyone,

I’m considering subscribing to Alpha Picks from Seeking Alpha and would love to hear your thoughts if you’ve used it. Specifically, I’m curious about:

1. How long have you been using Alpha Picks?
2. What has been your annual return from investing in their recommended stocks?

Thanks in advance.

Both life science companies have been dropping substantially recently. I like the space both companies occupy and hold shares already. I’d buy more but wanted to see if there’s something I’m missing that explains this drop further than‘reduced guidance and lower then expected growth, which is all I have been able to glean.

I’ve been thinking about my portfolio allocation strategy of PLTR and NVDA. It’s a simple metric, but it can give a good sense of how we’re positioning ourselves between two AI juggernauts. For me, I’m currently sitting at a 10:1 ratio. I believe its data-driven approach and its growing relevance in sectors like national defense, intelligence, and even healthcare give it a unique competitive edge for long-term growth. I'm seeing it as a large part of my 10+ year retirement holding.

Obviouly, NVDA is the largest in the AI space, but I see it as more of a stable growth play due to its already dominant position in the AI market. I’ve allocated less to NVDA because, while I believe in its long-term growth, the stock price is already higher, and I see PLTR as having more upside potential from its current valuation.

Curious to hear how others are structuring their portfolios between different companies in the AI space.

What is everyones thoughts on the biotech sector right now? As AI becomes more and more influential in our day to day life it made me rather bullish in the biotech sector. So much of testing is done by repetition I figure more automation and AI is going to accelerate our discovery of new protein structures, etc. I know Trumps election and RFK has a lot of people spooked but will the shake up in regulations be beneficial in the short term?

23 y.o male making about $115k a year. I’ve been investing pretty aggressively, allocating about $2,700 into investments/savings a month. I’m lucky to still be living with my parent and don’t have any car payments yet. I should be on track to hit $100k networth within the next two months (currently @ $96k now) and I’m wondering if I should then start to introduce new things into my portfolio. Currently, my portfolio consists of: VOO QQQ VTSAX 401k Life insurance HYSA Individual Stocks (blue chips)

Any recommendations would be appreciated, I’m learning as I go. Sooner than later I will be having to purchase a car, until then, I want to invest as aggressively as possible. Thanks in advance!

My uncle is planning on retiring in 3 years. Right now he 100% in VOO. But he wants to get to about a 20% allocation into bonds. He is afraid the market might tank soon and wants some protection with bonds.

What type of bonds should he buy? He is looking at T-bills because he doesn’t like the idea of corporate bonds defaulting. Or should he buy a bond ETF? He thinks that is a bad idea because bond ETFs got slaughtered a couple years back.

For reference I am 22, so pretty early on my investing journey. I believe I have read that historically small/ mid cap stocks usually outperform the large cap stocks. But looking at the last 5 years especially that doesn’t seem to be the case. Should I diversify a little with small and medium cap or will it hurt my growth long term. I know no one knows what the future holds, just looking for some general opinions. Thank you.

I have a Nov 22 call on $WMT. Their earnings call is tomorrow at 8am EST.

If they beat projections, is there a high probability that the premium price goes up and I can sell the contract for a profit? Or is the time value of money against me and it will be lower no matter the earnings outcome?

I’m looking for a place to store my emergency fund. I’ve currently got some money in VGSH, which is Vanguards treasury bill fund. It seems pretty stable.

I’m wondering is I wanted to get away from treasure bill exposure, where would be the safest place to put funds for the long term? I’d like to try to save my money from inflation, and I’m concerned that at some point, if the US debt load becomes too much, the Us might default or try to renegotiate their debt.

Anything besides canned food and ammo?

First off let me start by saying I'm not seriously seeking his advice. I'm doing well doing what I'm doing.

What I don't understand in seeing his videos everywhere is, he tells everyone what "not" to do but I'm not hearing what his suggestion is we "should" be doing.

- Don't pay off debt.
- Don't invest in your 401k.
- Don't diversify with ETF's and mutual funds.
- Spend your income on deductible assets so you don't pay taxes.
- $400,000 should be the minimum income anyone should make.

I understand the man is largely just a Charlatan. And I understand he solicits investments for his company Cardone Capital. I just am asking because I see all these things all the time of what not to do. Is his only answer just to invest all your money with him?

I am starting a temp job and will not be given a 401k match. I was wondering if using a brokerage Ira match would be beneficial like on Robinhood or webull. What is my best strategy here for contributing in an efficient way? I have done a little research and have heard a lot of mixed things when it comes to these matches so was just hoping someone with a little more experience could give me some advice. Thanks!

Hello! I’m 28 and just starting investing admittedly I should’ve have 5-6 years ago.

I’m 100% debt free and live in Latin America as an American. I make around $6,000/month and live off of 2500 or so.

My goal is to put $40,000 or so (roughly 40% of my net worth) into the sp500 and then monthly recurring payments of 750 and just keep this up for a long time! 15+ years.

I tried signing up for vanguard and supposedly because I’m abroad I need to print a void check and mail it to them and do that anytime I want to put $ in? Which seems really over the top and impossible to put in monthly payments as I’d need to travel to the USA to do this.

Webull allows me to invest,so far I’ve just put $1,000 into the SPY sp500 ETF.

According to friends and ChatGPT there’s not a whole lot of difference between investing in the sp500 using vanguard and investing in it via ETFs using the webull app.

Is this accurate?

Thanks!