r/Investments

I think its worth sharing because i see people being excited about leveraged etfs constantly and its better if u see a real number.

I invested €3,200 into a 2x leveraged nvidia ETF in q3 last year and nvidia itself is up roughly 18% since then so my etf position is down 23% because of something called daily compounding that I understood intellectually and completely failed to account for emotionally.

they reset every single day, if the stock goes up 5% and then down 5% on consecutive days, you havent broken even ,you are slightly down and the leverage amplifies that gap on every cycle. Now in a trending market they work beautifully but in a volatile sideways market which is most of what markets do most of the time, they destroy value while the underlying asset goes nowhere.

Morningstar flagged this week that over 1100 etfs launched in 2026, nearly a third classified as trading tools and there are now 600 of these available. The fund companies are not confused about what they are selling and the prospectuses are accurate. Retail buyers just systematically misread 2x exposure as 2x returns rather than 2x daily volatility with asymmetric compounding risk.

I moved what was left into a basic S&P 500 ETF on traderepublic and added a small gold position through bitpanda since metals have quietly outperformed everything else this year anyway.its boring but its working in some way

ok one more key note the more interesting the ETF sounds, the more carefully you should read the prospectus before touching it.

Hi, if it bursts, what happens with AI? I've not seen much talk around this, but at some point, it will happen. Let's say the whole show drops 50%. I've not experienced this sort of thing yet, and if we add in all the CAPEX hyperscaler debt, what comes out after the smoke has cleared? Do we just get back on the train to Megaprofits Town, or are there other things that may scupper AI for a long period? Would be interested to hear your thoughts on this regards AI, and as an aside, would be interested to know where your head is regards humanoid robotics. Thanks

New and learning here. The AIS ETF dropped from 88 to 74 in less than two weeks. Is this is the AI bubble bursting everybody has been warning about? If not, what is it?

Thank you for your answers!

Hello all, I just wanted to start some dialogue on what you all are thinking (looking to hear from more experienced investors).

I started investing seriously late in life around a year/year and a half ago.

I bought Intel (INTC) and SMH (semiconductor etf) and was up about 150% on each.

I sold all positions at a large profit for both.

Both of which were in my brokerage account.

I still DCA into my Roth IRA and Roth 401k no matter what (just holding index funds: s&p500, a little international and a little emerging).

My thing is, I do like investing in my brokerage for more shorter term plays 1-5 years but after my massive gains I find it hard to get back into the market right now.

When I first learned about investing which was literally like a year ago give or take, I remember reading something from a famous investor talking about one of the times to sell is when your thesis or original reason for getting in has changed OR if you ask if you’d still buy at current prices/valuations and if the answer is no, SELL.

So I did.

1. I just feel like - man - SpaceX revenues/earnings compared to its market cap valuation is bonkers
2. Almost nothing is “cheap” - you could argue memory stocks but nobody knows if memory is cyclical anymore or not with this AI shit
3. Which brings me to AI - we still don’t know how profitable this is going to be. It doesn’t seem like very much so except for the companies who sell the hardware/infrastructure - outside of that, I just can’t see a ROI and that’s slowly becoming understood.

I feel like at some point within a year there is going to be a massive correction. Being AI is propping up the entire market, I think when OpenAI goes public or Anthropic and we see financial reports that are so bad they’d make your momma cry, or the mag 7 declare they are cutting capex, or Nvida missing an earnings report, idk, I just feel like eventually the AI hype is going to have to deliver MASSIVELY and I just don’t see these LLMs being able to do so.

For me, I’m storing dry powder. I hate to try and time the market but I just think in the next year or so we are gonna see a big crash 25-40%.

I just read another report that the mag 7 earnings are HIGHLY inflated not due to their actual business models but due to their investments in OpenAI and Anthropic which I think have zero real moats and ZERO profits. They’re burning through cash. I think they both fail tbh. They don’t have the free cash to sustain themselves and the amount of money they need to keep this going when AI is simply not THAT profitable.

Thoughts?

Update****

I find it funny how any time someone posts anything about a potential bear market upcoming you get absolutely slaughtered (Reddit).

Meanwhile the greatest investor of all time is holding more cash than ever (Buffet) because he has specifically stated this very sentiment that I’m talking about.

If you invested in 2000 it would have taken you TWELVE years to start seeing any sort of returns (s&p500).

Yes, investing is a long term game.

No you can’t time the market.

You also can’t argue with logic. Logic being eventually the capex of ai spend is going to stop. Eventually AI is going to have to prove extremely profitable or it isn’t sustainable.

The largest market movers will have revenues cut in HALF (tsmc, amd, intel, broadcom, nvidia, hyperscalers)

They’re holding UP the entire market right now.

USA is 40,000,000,000,000.00 in debt.

FED is gonna raise rates.

Inflation is through the roof.

Gas, food, the average American is cutting CRUSHED.

Student loans. Credit cards. Debt debt debt.

The economy is NOT doing well.

The market is.

All on AI hopes and dreams.

Companies are trading as EXTREMELY high valuations.

What happens when Anthropic can’t get profitable?

OpenAI?

Wait until the next earnings season, or the next. Wait until hyperscalers announce capex cutting.

Wait until Nvidia misses an earnings report.

Just wait. We have been sitting in a circular jerk off bubble of financing that is all built on AI being some conscious entity when it’s a hallucinating pile of junk that costs insane amounts of resources to sustain.

ITS A BUBBLE.

There is zero debate.

The question is it gonna pop tomorrow or 2 years from now?

When it does, we are looking at 70% drawdowns in the top leaders today who get their entire revenues from AI buildout.

Then what’s left?

A crumbling middle class. A K shaped economy where everyone is simply hardly surviving and doing so on debt. (More hardship withdrawals from 401ks higher then EVER before).

Eventually we are going to have a reckoning. Maybe not tomorrow maybe not in 6 months, but eventually you can’t live on hopes and dreams.

In that case, i’ll be very glad to be holding LARGE piles of cash earning 4-4.5% a year. Thank you!

EDIT TO MY EDIT

THE ENGAGEMENT ALONE SHOWS HOW SUBCONSCIOUSLY AFRAID YOU ALL ARE THAT THE BUBBLE CASE IS REAL HAHAHA.

So many BULLS in the comments of REDDIT hahah yet some of the oldest most wise and experienced investors are ALL harping the same sentiment I am!!!

BOFA. Many hedge funds, financial analysts, venture capitalists, people who LIVE AND BREATHE investing and have DECADES of experience and knowledge from all walks of life are saying the same thing I am and you dumb twats are all on my ass. Get cooked. I can’t wait lmfao.

Like talking to a wall. Crash coming 2027. If not sooner. 😘

Hi I am a 17 year old investor so I am young and a long term investor. I have had a stock account for about 2 years now. I want long term growth preferably and some picks (small percentages of account) for short term growth that I can sell off. As far as ETF’s go a lot of money for me is already in VOO and some in international. My riskiest bet that I have a lot of money in is amplitech, I bought right at current price so don’t know what to sell. My question is what to add right now and sell and what to do for the next year into the future for my account.

Stock	Value	% of Portfolio
VOO	$1,312.70	52.2%
NVDA	$277.83	11.0%
AMPG	$269.08	10.7%
MSFT	$223.71	8.9%
LLY	$171.07	6.8%
VT	$153.81	6.1%
NFLX	$53.26	2.1%
NVO	$26.75	1.1%
ASTS	$25.75	1.0%

I recently went down a rabbit hole trying to figure out how much money you really need to start investing, and honestly… it’s way less than I thought.

For the longest time, I assumed you needed thousands sitting in your bank account before even thinking about it. Turns out, that’s pretty outdated.

Here’s what I learned:

• You can start investing with as little as $1–$100 thanks to fractional shares and zero-minimum brokers.
• Stocks and ETFs don’t require big capital anymore you can literally buy parts of expensive stocks.
• The real focus shouldn’t be “how much,” but consistency and time in the market.
• Even small monthly investments can grow a lot because of compound interest.

Some rough starting points I found:

• Stocks / ETFs: ~$1–$50
• Mutual funds: ~$500+ (varies a lot)
• Retirement accounts: often $0 to open, then small contributions

Big takeaway:
You don’t need to wait until you “have enough money.” Starting small now is better than waiting years to invest a bigger amount.

That said, most sources also recommend:

• Pay off high-interest debt first
• Have at least some emergency savings
• Then start investing regularly (even ₹1k–₹5k/month is fine)

I’m curious

How much did you start with, and what would you do differently if you were starting again today?

how accurate is this video? if etf really is the best investment option then can anyone help me with sources on where to learn more about them? https://www.instagram.com/reel/DZFaMWUxj\_G/?igsh=bW51aHN5ZnFhMGN5

Referring to both AI and the different signs that the overall S&P market is nearing a fall: Is anybody keeping out of the market and waiting for the bubble to burst before they reenter?

If so, what are you investing in?
If not, what is your reasoning?

Agencies from the Five Eyes alliance have issued a joint statement warning that powerful AI models capable of disrupting governments and businesses are only months away, urging immediate action from leaders.

The Five Eyes includes intelligence and cybersecurity agencies from Australia, the US, the UK, New Zealand, and Canada.

The agencies emphasized that while AI can enhance cyber defense, it also increases the speed and complexity of cyber threats.

The statement did not mention specific AI models but drew attention to Anthropic's work.

Experts warn that advanced AI models from other countries, particularly China, could pose significant threats in the near future.

I’m new to investing. I’ve invested in an ETF and started looking at stocks.

I’m feeling guilty about investing into semi conductors and the like, thinking of how people in other countries have to deal with mining the metals and dying/getting ill while living in poverty, how data centers are effecting people’s living environments and how much water they use up, how AI is causing job losses. Meanwhile we are funding that? Is that how it works?

At the same time I want to retire as soon as possible. But also don’t want to indirectly add to others’ suffering. Would I be doing that if I invest into these companies?

So I don’t know.

My general interest is in infra and construction, I have done some basic research and shortlisted below stocks to enter for long term ( buy and forget ), Need your valuable suggestions on the same.


A few years ago I invested a few hundred dollars in stocks for a Roth account with a weekly withdrawal from my bank account for around 20 bucks. But it has grown beyond 12k as of today. Was it just dumb luck or is Robin Hood messing with me?

Same as title

I m trying to understand how investors think about physical gold compared with gold ETFs or other gold exposure.For someone who already prioritizes broad index funds and long-term investing, does physical gold have any reasonable role as a very small part of a portfolio, or is it usually not worth the added premium, storage, and liquidity issues?

I’m mainly interested in how investors compare

1-Physical gold versus gold ETFs

2-Premiums and storage costs

3-Liquidity when selling

4-Whether physical ownership adds any real benefit from an investment perspective

Would you treat physical gold as an investment, a hedge, a collectible, or mostly unnecessary for the average investor?

$350K to invest. Market seems high, lower risk options are not returning enough. My typical advice to others would be to pay off mortgage debt. But I’m tempted to try and beat that rate and pocket the difference. Let it ride and service the mortgage as time passes. Anyone have any better low to mid risk ideas?

The return over the past 5 years have been of 85.63% for VOOG and 71.72% for VOO, but the chart look exactly the same. I'm aware VOOG has sharper ups and downs, meaning there would be more risk for traders, but it would seem to be the same risk over decades. Am I missing something?