Hi , will appreciate any help
I am new to this and just opened vanguard account and put $2000 and opted for vanguard digital adviser
First I saw only 3 funds , VTI , VxUs and BND , which was okay . Now I see bunch of other funds too which I am not aware of . Can you help me what to do when I fund more money into account . Thanks
Im not trying to sound snarky or anything. I'm just brand new to this and wanting to invest and reading the wiki and looking at my comments it seems that "vt and chill" is the common saying. What im curious about is why for younger people with more risk why not go a bit riskier and get a higher return? Sorry if this comes off as arrogant im not trying to be; just a young investor that's trying to do more research!
As the title says, I'm 32. Have neglected my finances until now. Only have $3,504 in my 401k projected at $5,122 for the year, that i put in 9% with no employer match and 2k in savings. Currently trying to work on and take advantage of my 401k, rothIRA, HYSA, and a brokerage eventually for flexible investing. I know I'm very late to the game... but better late than never I guess. I'm sure this has been asked before but I've been doing so much research and its a bit overwhelming as newbie and so many different opinions. I make around 70-90k a year currently as a salesman and have been doing this about a year and half and am trying to get my shit together. Any tips for advice for a late bloomer would be heavily appreciated.
Attached is my current 401k and what I chose to invest in at the start (I had no idea what I was choosing)
In doing a bit of research on my portfolio some interesting concepts arose. Apparently some think that if you have both a mid-cap value fund, such as AVUV, combined with a mega-cap momentum fund, such as SPMO, then they will actually work against one another.
I own both in my portfolio and haven't seen this (if SPMO is green, AVUV is red kinda thing). Does anyone here have a take on this?
A panel of "analysts" just pumped it after it lost .19% today. I can't help but think they just want their money back before they dump it and they are trying to suck in retailers money to bail them out. Could be wrong but heads up.
I have little shares in SCHD, DGRO, ADX, AGD. I want to keep these but I don’t know how the taxes would work since this is a regular fidelity account. So I might be taxed for the little gain is what i’m thinking.
Major stock crash in the next 12 months.
The standard advice is to get a small position started asap then DCA/drip feed in, whilst holding a reserve for the market correction that will probably come around the midterm election this year.
I'm happily being the guinea pig. I have around $30k that's earmarked for VOO. Opened a 3k position last month and now each day that VOO has a minor drop (around 1% or more) I buy in for another 1k.
I also have a spare $10k that I am going to immediately dump in if there is a serious market correction (10% or more). I also have another $60k that I can theoretically dump in to lower DCA too.
There is a lot of discussion about how to enter into VOO whilst it's so high, but unless I'm missing something this seems to absolutely be the most sensible approach? I'm at around 6k in right now, still green, and when the market goes up I'm happy...and when it goes down I'm also happy because I get closer to establishing my full position...
Again am I missing something or is it completely obvious that this is the most (maybe only) sensible approach if you have money to dump in (beyond getting a time machine and going back a year)? Am I under-thinking it?
25 years old. Initial contribution $5K. I want to use some of the profits +10 years from now. No fixed goal or timeline, no target purchase date. I just want a flexible, high-growth account I can pull from whenever a big purchase comes up (could be years out after 10 years or at 10 years)
I've purchased both of them for the past 6 months and usually I wait till it's down, should I purchase them monthly or every 2 to 3 months.
New to this and I'm planning to hold them for a long term.
Should I hold them in TFSA or RRSP?
Curious has anyone ever run a 100% NASDAQ portfolio, I personally just have a 10% allocation but would be interested to hear how much people are running (if any)
Hey yall, I’m 28 and I’m planning on investing my 100k into ETF’s in vanguard. I was originally planning on investing into SGOV, QQQM, SPMO, SCHD, SCHG, SMH, VOO but with further research, I think it’s best to keep it simple and invest 80% into VOO and 20% into QQQM. Do yall think this is a good strategy for the long run? Should I expand my portfolio with that 100k?
UPDATE I came into conclusion I will be investing my 100k into 70 VOO / 10 QQQM / 20 VXUS
Hey everyone,
I’ve been tracking Invesco’s factor-based equity lineup and noticed what appears to be a new fund launch: the Invesco All Country World Enhanced Equity UCITS ETF Acc (ISIN: IE000S0JMIY6 / Ticker: IQAW).
For context, Invesco already offers Developed Markets versions (IQGA / IQSA), which use a quantitative multi-factor process (Value, Quality, and Momentum) managed by their IQS team.
Based on available materials, those Developed Market strategies presumably aimed to deliver alpha over standard market-cap indices.
What seems to be the setup for this new fund:
Universe: It presumably covers both Developed and Emerging Markets (benchmarked against MSCI ACWI / FTSE All-World).
Approach: It appears to systematically select and overweight stocks based on Value, Quality, and Momentum factors, while likely keeping overall sector and regional exposure relatively close to the broader market.
Portfolio Size: The portfolio will presumably hold roughly 400–500 positions optimized from the broader global universe.
It looks like it could be designed as a potential "all-in-one" option for investors who want global exposure (including Emerging Markets) without manually rebalancing between separate ETFs, while adding a factor layer to try and outperform pure passive Beta.
With an indicated launch date around August 18, 2026, full holding details and broker listings (Scalable, Trade Republic, etc.) should presumably show up over the coming days.
WKN: A401Z1
ISIN: IE000S0JMIY6
Ticker: IQAW
Hi everyone,
I recently started investing in ETFs and until now I have following ETFs, each accounting for 1/3rd of my portfolio:
IE00BFY0GT14 SPDR MSCI World
IE00BYTRRD19 SPDR MSCI World Technology
IE00B53L3W79 iShares Core EURO STOXX 50
The world is underperforming but the tech ETFs have risen strong enough over 6 months. My question is: does it make sense to keep the world? Should I pivot to only the tech stocks?
65% VT
15% QQQM
10% AVUV
5% VGT
5% SMH
I lump sum my annual bonus in Feb and do a weekly DCA the rest of the year. I always hear about the arguments of one vs the other and how lump sum always beats DCA (which I do not dispute), but why don't people talk about or encourage doing both?
ETFs were the first type of investment that caught my eye when I began investing two years ago. SMH was one of my first purchases, and had turned out great for me. While I know SMH is one of a kind because of the AI revolution, I was wondering what other growth ETFs you guys are a fan of, since most of the ETFs discussed in this community are indexes.
Maybe this is a weird comparison but hear me out. I follow NFL and NBA pretty closely and I've noticed my brain processes a bad ETF week the exact same way it processes watching your team give up a 17 point lead with 8 minutes left. Same sick feeling, same urge to do something even when doing nothing is probably the smarter call.
I've got a small position in a semiconductor ETF alongside my VTI core and the swings on that thing lately have been genuinely hard to sit through. We're talking days where it drops 4% before lunch. And my instinct every time is to trim it or rotate somewhere else, which is probably exactly the wrong move if I actually believe in the long thesis.
What gets me is I've seen this play out in sports betting too, where the panic reaction almost always costs you more than just holding. But knowing that and actually not reacting are two different things.
Curious if anyone else runs a mostly boring core and keeps a smaller satellite position in something more volatile. How do you mentally handle the drawdowns on the satellite without letting it mess with your whole strategy? Do you just check it less, or do you have some actual rule you stick to?
32F, just opened a Roth IRA with Fidelity. Contributing $750 every 2 weeks from now through December to max out the $7,500 limit. Want max growth — hoping to retire by 60, ideally earlier.
What ETFs/index funds are you using? Wants to set it and forget about it