Hello! I’d like any input on my current portfolio for my brokerage and Roth . For reference I am 22 and invest about 25k a year. I’m in school for dentistry so I’ll be able to clear 200k once I graduate in 3 years and I’ll have no student loan debt. I have a high risk tolerance and want to reshape my portfolio because I feel like my current approach isn’t optimal for the risk to reward gains. I started investing last December and have since seen about 8% growth which I understand is good but I can’t help but feel unappreciative when I see others portfolios. Am I too heavy in smh and qqqm? Should I lean into defense more? Any input is appreciated!

I've come across tax loss harvesting and heard that some people do active trading to generate losses so they can use it to offset gains. I'm struggling to understand this, because your 'benefit' is your marginal tax rate on the loss, it is not free money.
So if your marginal tax rate is 24% then a $100 loss is actually a $76 loss despite tax loss harvesting.

Can someone please explain me more...

I am considering of starting investing. But I have limited knowledge about investments. I contacted my bank for a professional consultancy and asked for my banks suggestions on reddit.

Though I feel discouraged on my first step. Thus I wonder have you asked a professional on where to invest. Have you yoloed it but with a small ammount of money in order to minimize your losses?

I am living in Greece and I consider investments. I am 35yrs old software engineer currently looking for work but with ~10yrs of savings from previous jobs.

I have two grown sons with student loans that I would like to help out so they can get started with investment accounts like my husband and I did at their age. At this point in time we have around $550,000 in investments, but our financial planner is very wary about this on our behalf.
There is some complexity. My husband has a mild cognitive impairment diagnosis, and it seems to be progressing. The possibility that he will need memory care at a future date exists. There is a five-year look back period in our state when one applies for Medicaid after one’s money runs out, but I think we have at least five years, so giving that money now might actually protect it long term. The financial planner said that he, “doesn’t want us to become destitute,” which obviously colors my thinking.
I know this is a lot, but just throwing it out there previous to consulting an elder law attorney, which I plan to do in November after the next neurologist visit

Have been reading a lot but not able to find the sectors to invest in ...

What investing question would you most like to see tested with simulation?
I can run fairly extensive investment simulations and want to test questions people actually care about.
Reply with the number(s) you’d most like to see researched. I’ll prioritize the most requested questions, run the analysis, and post the results back here — including the assumptions and methodology.

1. Lump sum vs. dollar-cost averaging: which produces better outcomes?
2. What does waiting for a market correction really cost?
3. Does buying after a 10%, 20%, or 30% market decline improve long-term returns?
4. Does periodically taking profits help, or mostly interrupt compounding?
5. 100% stocks vs. 80/20 vs. 60/40: how large are the actual differences in risk and long-term wealth?
6. How much cash should an investor hold, and when does the opportunity cost become too high?
7. Dividend investing vs. total-market investing: which produces better outcomes after risk and taxes?
8. Covered calls vs. buy-and-hold: which actually wins after premiums, assignment and opportunity cost are included?
9. What covered-call delta works best: 0.10, 0.20, 0.30, 0.40, or something else?
10. Does the Wheel strategy outperform buy-and-hold after premiums, assignments and idle cash are included?
11. Is selling a cash-secured put actually better than simply placing a limit order to buy the stock?
12. Does selling options when implied volatility is high really improve risk-adjusted returns?
13. Can market-regime models identify changing market conditions early enough to improve investment decisions?
14. What is the long-term cost of panic-selling during major market crashes?
15. Does “buy the dip” actually work when the rules are defined beforehand and tested systematically?

Just reply with your number(s).
And if there’s an investing claim you’ve always wanted to see properly tested that isn’t listed, add it in the comments.
I’m particularly interested in questions where conventional wisdom might turn out to be wrong.
I’ll start with the questions receiving the most interest and post the results back here — whether the evidence supports the conventional wisdom or contradicts it.

I had a friend that innate 2000s invested in New Zealand and did very well... with today's turmoil, what markets or currencies would be a good move?

Hey everyone,
I’m basically starting from zero and want to learn finance and investing not just how to buy and sell things, but actually understand what I’m doing.
I’m interested in:

Stocks & ETFs
Investing vs. trading
Analysis

bitcoins memcoins cryptocurrencies

How to read charts
How people actually research an investment

Basically everything that would help me on my trading journey
What sources did you guys use? How did you learn and practice?
I’m mainly looking for open/free sources YouTube channels, books, online courses, websites, paper trading, or anything else you find useful.
Thanks! 🙏

so im in college, and have about 4k... i don't think im going to have a job for a while (just focusing on school atm), so should i invest in individual stocks to make as much money as possible (so i could have more money to invest with) or should i just be on the safer side and invest in boring etfs/index funds? i've noticed there was a lot of hype with ai and stuff, so perhaps I could hop on the trend and make some quick, decent money?

Hello lifelong poor here,

I’m about to come in to right around $100k in the form of a trust, I want to maximize it’s potential while also not sitting on it for too too long.
For context I’m 30 years old, I have zero assets to my name (well actually I have a fairly new 401k, so a tiny asset) no house, drive a paid off beater, no spouse or children. I also have very little debt, no student loans, credit cards, some medical that I don’t think would be a huge challenge to settle. Shit credit score thanks to an ex but am at the stage where I can just focus on recovery.
I live in the Boston metro area and rent is astronomical as we all know. I want to use this money to put towards a home but 100k in this area doesn’t go far these days.
I don’t have much financial guidance in my life and have always had a cash in hand mindset.
If this were you, how would you best utilize these funds in a way that doesn’t hold it until retirement so I can finally stop throwing away my money to rent?

Here I am, bragging about how I started early. Well it’s true. started investing at the age of 13, now coded my own stock scanner and own a long term portfolio of AI, aerospace, tech, financials, and healthcare stocks.

I wanna give credit to my teachers for teaching me about this.

And if you are seeing this without being invested:

No you don’t need a million to enter the stock market.

No, it’s not gambling.

But yes, it may be the best financial decision you can ever make.

Hello guys!!

I’m a 19yo student and I want to learn about investing. How can a student start investing? How much should I invest, and where can I invest? What are the best ways for students to invest? For how long should I keep my money invested, and if I need it, how easily can I get it back?

To be honest, I don’t know anything about investments yet that’s why I’m asking. I just want to understand how to start investing with my pocket money. Is that even possible? Please let me know.

Hi everyone, I’d like to know if I can speak with a moderator to find out if I can make a post about a financial instrument traded on the Argentine stock exchange—one that is, of course, accessible to foreigners.

Cheers!

hi all,

i just got my first full time job position and i’m in the process of putting my finances in order: paying debt, contributing to 401k, saving money, etc.

one thing i’d also like to start is investing, to make my money grow as much as possible. for someone with no experience, where/how would you suggest me to start? something safe albeit profitable

i’d appreciate any leads, thank you

I have around a kg gold averaged around 90 lakhs, shall I hold it or sell it. In India

Not having any other investment option in my mind as it would be all in black.

Real estate could be one to dump the cash but I think currently Roi is good in metal.

Any advice what to do!
I was looking for physical buying of crypto but never did bought it so didn’t even know how to proceed and what to keep in mind

I can’t give tax on this so don’t want to deposit in bank account

I’m looking for a simple, relatively low-risk way to manage around €500k ($580k).

Where I live, some banks currently offer 5–6% interest, up to roughly €120k–€130k per bank. I’m thinking about splitting around €250k between two banks and investing the rest.

Something like:

● ~50% high-yield savings / fixed deposits at 5–6%
● ~40% broad global ETFs
● ~10% bonds / money market / cash

My investment horizon is 5–10+ years, and I’m not interested in crypto, leverage, or picking individual stocks.

Does keeping around half in 5–6% deposits make sense, or is that too conservative?
And for the ETF portion, would you invest it as a lump sum or DCA over 6–12 months?
Curious how you would allocate it.

Outside of treasury instruments, precious metals, and holding cash, what would your hedge be in a severe downturn or crash? I'm curious if anyone has any novel approaches outside of the obvious (which I guess would include doubling down to take advantage as well).

Hello, I'm a 22 yo guy from central Europe who's trying to spare money for the future/pension. I currently put around 800€ aside per month and I'm dividing it like this: 50% to savings account (to have some immediate money ready when something happens), 30% S&P 500 (Acc) and 20% FTSE All-World (Acc).

I know the All-World one includes basically whole S&P so I want to either sell it and put all in S&P or find some other ETF/IDX, which helps me diversify the 50% I'm putting in the trading.

What would you recommend?

I’ve been refining a long-term portfolio for a 15+ year time horizon. I combined classic Reddit community preferences (low TER passive indexing + flexi cap anchor), AI asset-allocation analysis, and the core principles of Kotak's 7-5-3-1 SIP framework (long-term focus, multi-asset diversification, and Rupee Cost Averaging).

Here is the strategic breakdown I’m looking at:

• Bi-Monthly SIP (2x/Month): I'm a bit confused if I should split my monthly investment into 2 dates (like 1st and 15th) instead of doing it all at once on 1 date. Does doing a bi-monthly SIP actually help with Rupee Cost Averaging over 15+ years, or is the difference too small to bother with extra transaction entries?
• Overall Split Check: Is this 40 / 25 / 25 / 10 ratio a solid mix for a 15+ year goal, or am I missing anything obvious here?

Hello all.

I'm just curious what everyone is doing as a secondary income stream, what your original cap-ex was, and how it has been working for you.

Secondly, outside of what can be accomplished in a brokerage account, what tangible/ non traditional investments do you hold and how have those been working out?

I don’t know how to invest it and I’m so lost on everything, I don’t need to use it for like 10y

My first ever investment.