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Reminder: Answers here are just opinions from other forum members. Please consider seeking advice from a registered investment advisor for personal financial decisions!
Hi all! I’m restructuring my portfolio, cutting down on individual stocks and adding more ETFs. I’m not totally convinced about crypto, but the performance is interesting enough that I’m considering putting 5% of my portfolio into it.
So, any ideas on which one I should look into? Should I stick with the big name (Bitcoin), or maybe go for a basket of smaller ones? I’m a total beginner in crypto, so I’d appreciate any suggestions!
Hey all, I know these types of posts get asked a lot, but I could use some advice on my taxable brokerage account. I’m 35, earn a good income, and just had a baby, so I’m trying to make sure my choices are solid. This money is for the long-term, and I’m not planning to touch it for a while.
Here’s what I’m invested in:
VTI: 70%
VXUS: 12%
AVUV: 12%
BND: 6%
Do these choices and the percentages make sense? There are so many opinions online that it’s hard to know what to follow!
I’m 30, based in Canada, and I earn around $85k/year with a pensionable job. My savings are about $50k (including RRSP and TFSA). After my monthly expenses and investing about $280 in ETFs, I have around $700 left over each month.
I’d like to invest another $400-500 monthly for the long term. Any suggestions on where to put it?
I’m 18, live in Australia, and am studying at uni while working casually for some extra cash. I understand the basics of investing, but a friend told me that putting money in an ETF like Vanguard Australian shares (VAS) has almost no risk if you leave it for a long time (10+ years) and don’t sell when the market is down.
Is it true there’s such little risk with an ETF if you hold long-term? It sounds a bit too good to be true. Any insights?
@Blue
Even stock indices sometimes go lower over ten-year periods. A couple have gone to ‘zero’ during revolutions, but Australia’s been a strong market. Since 1980, every 10-year period has shown a positive return (according to Dimensional’s study, though not adjusted for inflation).
What if an activist like Elliott steps in, buys a chunk (say 11%), shakes up the board, and then sells the parts off? Could be a cash grab from an activist. Just a thought.
Hey, I’m 41, live in the U.S., and life has been pretty unpredictable lately. I earn around $70k per year, but my health is declining, and I may not be able to work for much longer. Currently, I’m staying with my dad, so I’m able to save most of my income.
Assets:
Cash: $77,855.62 (36.8%)
Metals: $107,292.52 (49.7%)
Mutual funds & ETFs: $30,608.28 (14.2%)
Total Net Worth: $215,756.42
I don’t want to add to my cash anymore, but I’m already heavy in metals, mostly gold, and I don’t want to buy more international value funds because of high fees. I’m considering moving $50k into a managed brokerage account that focuses on alternative investments, international diversification, value stocks, and metals.
I’d have to pull about $25k in cash, $10k in metals, and $15k in securities to fund it, which would leave me with a smaller cash cushion ($52,855.62). My main worry is cash — I’ll need around $15-20k for a medical procedure in the next 1-2 years, so having less cash is a bit stressful.
What do you all think — should I go for the managed account, or stick to adding more diverse commodities in my self-directed brokerage?
I often see people say ‘do your research’ about stocks and companies. Are there any specific sites or resources that would be helpful for someone new to this?
@Chen
I start by looking at official filings like the SEC website https://www.sec.gov/search-filings. Start with their annual report (10-K) and quarterly reports (10-Q). A lot of financial websites just summarize these, so it’s good to go straight to the source.
I just got my first full-time job and would like some advice on diversifying my investments.
I’m 23, make $140k/year before tax, and am saving for a house and retirement. I don’t need to touch this money right now, but I prefer safer investments.
Here’s what I do with each paycheck:
Max out 401k with employer match.
50% goes to savings (earning 2%, thinking about a HYSA).
15% to checking.
15% to Fidelity for investing in FBGRX, FXAIX, and some other stocks.
I also have about $30k in a bank account that I’m not sure how to invest. Any advice?
Should I wait to invest my Roth IRA until after the election? I’m 25 and have $5k to contribute. Would it make sense to wait for potential market drops or just invest now?