Im a 19 year old college student with a very high risk tolerance and long time horizon. Any advice for my 2026 plan would be greatly appreciated:
50% VTI
20% VXUS
20% AVUV
10% AVDV
Im a 19 year old college student with a very high risk tolerance and long time horizon. Any advice for my 2026 plan would be greatly appreciated:
50% VTI
20% VXUS
20% AVUV
10% AVDV
Is it redundant to hold both VTI and an S&P500 index? If so, which one is preferable?
I’m wondering if it’s recommended to rebalance portfolios before its holdings are classified as long-term capital gains, or if it’s better to wait the year?
I have a portfolio that I want to slim down but none of my holdings are going to be taxed at long-term capital gains rates.
Im very heavily weighted in SCHG right now, and I was wondering if it’s still a good option for a long-term taxable portfolio, or if I’d be better off investing in an S&P500 fund like SPYM or SWPPX, or in a total US market fund.
I’m interested in what Reddit has to say for their long-term portfolios for a taxable AND a Roth IRA and what funds to hold in them.
I have a couple questions that I’d like some feedback on:
- Are my listings too niche? Am I focusing too much on the gardening/homesteading communities? Or is it good to be that niche?
- Are my mockups clear enough and illustrate my designs well?
- Is my pricing fair and reasonable given your guys’ knowledge of Etsy selling?
- Is there anything I can do to improve the format/design of my storefront?
I was inspired to start this shop because I have a passion for the outdoors, finance, and philosophy, and because I value having an aspect of self-employment in my life. I’m a college student, so the idea of not having to rely on a part-time job is very appealing to me.
I feel like some of my products are worthy of being purchased, but certainly not all of them. Im open to any advice on my products and Etsy store itself.
Thank you in advance.
I’m curious about what Reddit thinks of my plan.
For context: I’m an 18 (19 in a week 🥳) college student. I will not have to take out loans for college, and I currently have an emergency fund of around $4600, with $1k in a money market account through my credit union, and the other $3600 parked in SGOV. I just landed a summer job and I recently opened a print-on-demand Etsy store, so I’m hoping to make a little extra money through that.
My taxable brokerage portfolio plan:
US Equity (65%):
• SCHG: 32.50%
• AVUV: 19.50%
• SPYM: 6.50%
• SCHD: 6.50%
International (30%):
• SCHF: 15.00%
• AVDV: 15.00%
Speculative (5%):
• IFRA: 5.00%
And for my Roth I’m considering either investing in SWYPX or in some other low cost index funds.
Any advice (especially about the Roth!) would be greatly appreciated!
Aside from just saving money, what can college students do to start preparing for real estate investing? What skills should be learned?
Some common advice I see for people who want to get into real estate is to get a credit card to build a credit score, but then you see people like Dave Ramsey who say that you shouldn’t own one, so it’s a bit conflicting.
Hi everyone,
I currently own a small amount of SCHD in my taxable brokerage account, but I’ve been finding a lot of conflicting information online about whether that’s a good idea or not. I personally really enjoy the blue-chip exposure and downside protection, and I’ve seen some good results from owning a small amount of it. I
keep seeing information where people are saying that the tax drag of SCHD (even with qualified dividends) in a taxable account is less efficient that owning ETFs or index funds that are focused on increasing share price as opposed to paying dividends, so I wanted to hear your opinions.
For reference for my situation, I’m a college student with a very high risk tolerance.
For the average person investing in a Roth IRA, would you recommend a self-managed index fund portfolio or a target date fund?
I find so much conflicting information online about TDFs being optimal because they don't require any real management on your part, but then I hear information about self-managed index funds being optimal because they produce the most gains. I'm just curious about what you all think
For the average person investing in a Roth IRA, would you recommend a self-managed index fund portfolio or a target date fund?
I find so much conflicting information online about TDFs being optimal because they don't require any real management on your part, but then I hear information about self-managed index funds being optimal because they produce the most gains. I'm just curious about what you all think