r/investingforbeginners

Seeing the market pull back today is a good reminder of why long-term investing can test your patience. Everyone preaches "time in the market beats timing the market," but it’s always interesting to see how people react when red days hit.

Do you guys prefer to automatically rebalance your portfolio, stick to a set monthly contribution, or just close the app and not look at the daily charts? What helps you stick to your plan during volatile weeks?

I already have a retirement account I contribute to monthly and I have 6 months savings in a HYSA. Should I invest with a brokerage account on top of that? I see many people do that and I’m curious why I shouldn’t just put more into my retirement account or just keep it in my HYSA.

I have around 17k at 16 what should I put it in? Also is fidelity good?

Hello everyone, I recently received a lump sum of $150,000 and am seeking some guidance on where to begin. I am a 50-year-old man with no outstanding debts, apart from a remaining balance of $145,000 on my home, and I maintain an excellent credit score. My 401k currently holds $350,000, and I am still actively employed. My annual income is slightly over $100,000 from a physically demanding job that I have held for the past two decades. I am beginning to have concerns about my ability to continue in this role until retirement age, as my physical condition is starting to decline. I must admit that I am quite unfamiliar with financial matters, and my retirement savings are currently managed by Fidelity through my employer. I am feeling a bit uncertain about the best path. I'm in no rush to make a decision and thinking I should initially drop it all in a HYSA until I come up with a solution. I am willing to take risk but need to keep in mind that I'm 50 and retirement is just around the corner. Any advice would be welcomed and thanks for listening.

I recently bought a house in Nov 2024 for 300k @6.25%. I have been reflecting a lot recently on this. Would I or anyone done better just to rent their entire life and save additional income in a retirement account?

This is what I see.
Say I lived in this house for 30years and paid strictly scheduled payments. Right off the bat, it is a negative investment due to paying the house 2x from interest. Then if you sell the equity portion is being lowered because of taxes, seller costs, etc.

In my scenario I will have the house paid off by Nov 2031. Yeah I beat the interest but it would equal if I invested the additional payments in market say 6.25% avg. Considering all factors still a net loss IMO

So renting would be better right? Because I still lose out on any major house repair/replacement, no flexibility of moving(opportunities) as a homeowner. Why is home buying so forced as a goal or good investment? What am I missing? Is it because my generation was brought up to this being the “dream”?

I hope this makes sense, if not I’m happy to provide any clarifications.

Hello, I’m an 18 year old male who’s had a brokerage account now for about 8 months. I’m curious how the taxes work and when and if I’ll get taxed? How much are the taxes usually?

Thanks!

Hey everyone for once in my life I’d like to be responsible unfortunately I was hit by a vehicle last year and with my lawsuit, I’ll be getting a large sum of cash (roughly 30k after everything) I know nothing about what to invest in, but I would like something long-term that I won’t have to look at or deal with as much as possible, please help me out, thank you.

Hey everyone,

I recently (more like yesterday) started investing into ETFs and a few single “safe” stocks (for example Google).

I was wondering if it’s normal to be down a % or two in a single day? Probably a stupid a question to you guys, sorry lol.

Also any beginner advice would be very very helpful!

Obviously it's not 100% of my portfolio

I see different posts on how much people have invested and the growth over time and it amazes me always. I started investing about 2 years ago and was told to play it safe and keep my money in vfv or s&p500 or whatever.
But the growth is so slow. Where do people go to stay current about stocks to watch out for and when to capitalize on investing? I wanna see my money grow for real!!
Any tips ? Please and thanks

I'm a college student (19) and I want to figure out where I should be putting my money into. I know that generally it's good to invest into Roth and Traditional IRAs, but since I earned my money through cash, I don't think I can. Should I just be investing into stocks / ETFs or is there something else I should be putting my money into? Or should I try to declare some of the money on my tax report and put it into IRAs. I worked as a coach and a stringer + a job in my senior year of high school for a good chunk of the money. I have around 7k saved up through a couple years of work / monetary gifts from relatives. I would appreciate any and all advice. Thanks

I am 21 year old with 1.2L per month income and 30k expenses....i can invest rest of 90k but i dont want to (if I get into loss, it will be disastrous)

See by "loss" i meant if my money becomes 0(or negligible)..if it swings by 30-40% i am good

I just picked an arbitrary figure and decided "fk it, I'm not allowing it to get bigger than X" and chuck every last dime past that number into a couple fidelity mutual funds. Is that dumb?

Sold home and moved to a smaller house and paid cash. I have 100k to invest.

I am 55 years old. Ten years from retirement (or maybe earlier).

I currently hold positions in:

VOO 50%

QQQM 20%

SCHD 15%

VT 15%

Me and my gf are planning to invest 200k$ in sp500 and leave it for next 20 years,we would also add every month around 1000$, do you think that is good idea? We are 32 years old

Thanks

Already had a emergency account .

If I were to invest £100 (or $100) in an ETF like the FTSE 100 or S&P 500, does that realistically make much difference to the growth of the companies in that ETF? I imagine not, but maybe $100,000 or 1 million dollars would?

I ask because I'm wondering if I should consider whether I'm happy to support these companies. But perhaps it barely makes a difference for them (since I don't have loads to invest), while it might make a big difference for my bank account.

Sorry if a dumb question.

Got around 40k in cash just sitting in a savings account. I want to invest. What or do you guys suggest?

I’m just started investing but I don’t really know what to invest in right now, I wanted to do a long term stock like Uber but I’m honestly not too sure what are some good long term stock from 50-100USD per stock which is my range, does anyone have any suggestions for me?

Hi everyone, I’m completely new to investing and I’m trying to learn how to build a simple portfolio for the long term. I’ve started with a Vanguard global ETF and I’m now looking at things like the S&P 500, semiconductor/AI ETFs and potentially individual companies, but I’m not really sure how to decide what is worth investing in or how much overlap there is between different ETFs.
I’m mainly looking for long-term growth and I’m comfortable with taking a little more risk for potentially higher returns, but I don’t want to do anything unnecessarily risky. I’d really appreciate hearing how more experienced investors approach choosing investments and whether there are any resources or things you think a beginner should learn first.
Also, I’m still learning, so if you reply, please don’t worry about dumbing things down a bit! I’m happy to learn, but I probably won’t understand loads of technical terminology yet