r/investingforbeginners

I’m a beginner and I’m about to invest 200k php in VOO. Tell me if this is a right move or no. I’m also focusing on long term investment.

Is quantum computing the next big thing? I see there’s a few company’s for quantum computing in not sure which one to pick. What should I look for? Thanks for the advice. I’ll make sure I take the advice and look into each suggesting.

It seems like certain ai and tech stocks are blowing up and i feel like i should just pull them now and invest when they drop.

I’ve been trying a lot of investing tools lately and most of them either feel too complicated, outdated, or split between 10 different websites.

Recently I started using PortView and honestly it’s the first one that actually made following my portfolio and the market feel simple. I even connected my IBKR account to it pretty easily.

What I liked:

• portfolio tracking
• news + financial video feed
• AI analysis for stocks/news
• clean charts
• alerts/watchlists
• works in both mobile and web.

It’s also completely free which surprised me tbh.

Not affiliated or anything, just thought other beginners here might find it useful:
http://portview8.com/

Hi, I am new to investing and want to get started in the U.K. with a stocks and shares ISA.

Does anyone have any insights into pros and cons out of:-

Vanguard FTSE All World VWRP ETF ACC or iShares Core MSCI World UCITS ETF ACC?

Thanks in advance

I am 26 my income is 96k per month after every deductions . My monthly expenditure is 25 k only .

Can someone please guide where should i invest considering i am in IT SECTOR ( job not so stable in IT) as Devops engineer . I am looking where i can get good return . After maybe investing for 2-3 years .

My parents are forcing to buy land in Ghaziabad costing around 90 lac . But it scares me as nothing is permanent with current scenarios

Hi

I'm a software engineer working on salary basis my salary is 250k pkr, currently I'm planning to do long term investment that should be halal.

Can you please suggest some idea for investing in, i can invest some amount of monthly salary for long term that will be my pension money

Thanks

Hey everyone,
Has anyone here actually used SGoldmanIfa info? I’ve seen mixed comments online - some people question if it’s legit, while others seem to focus more on KYC, withdrawals, margin, or trading losses.

I’m trying to figure out whether the negative feedback is about the platform itself, or just people not fully understanding self-directed trading risks and account rules.

Would appreciate real feedback from anyone who has used it.

Conceptual question that I've been wondering about quite a bit lately as I've been looking into individual stocks just for fun. Particularly penny stocks.

When you have Stock A that sells at 3 dollars per share, and Stock B that sells at 30 per share. I'd assume that you can buy substantially more shares of Stock A because the buy in is much cheaper?

Let's suppose you had 30 dollars to invest.

You could buy 10 shares of Stock A or only 1 share of Stock B.

If Stock A goes up even 1 dollar, you've made a significantly bigger return because you bought 10 shares of it as opposed to if Stock B goes up a dollar, right?

In real world example, this leads me to wonder why you would even buy something like VOO at 600+ when you could just buy a metric ton of a penny stock and wait for it to go up a handful of dollars and then sell?

I believe I am probably misunderstanding something about how the value of a stock is understood.

I am about to inherit more more money than I have ever had around $400,000. Should I invest all of it into a high yield savings account or should I use part of it to pay off my mortgage that is currently at $180,000 at 1.9% interest?

I am a Canadian guy looking to get started in investing and also improve my financial literacy. I want to learn everything I can to have my money grow while I sleep. Thank you for your time and I appreciate any and all responses

I recently started investing couple months ago on stake and I live in aus but 80% of my portfolio is in wall st.

What should I know or be aware of?

All I know right now is my strategy is to just buy efts right now voo, vgt and qqqm and just keep buying and hold it for years.

I don’t need to worry about taxes, only when I sell except for dividends.

What should I know or be aware of? Thankyou

I just turned 18 yesterday I have 1k what do I do with it?

I just opened a Roth IRA for the first time ever and I am looking for some advice. I’ve done some research but as someone who doesn’t know anything I feel like I dove into the deep end. I know or at least think based on what I’ve read that long term growth is the most important thing for me to focus on right now. The problem is there are a million different ETFs out there and I am having a hard time deciding which ones are the best for me.

I’ll be depositing $400 a month right now and while I am doubtful that I’ll ever actually be able to retire I’d still like to have a little something. What I have settled on is a 4 way split of 50% VTI, 20% SCHG, 20% SCHD, 10% VXUS. I am not looking for exact financial advice or for a list of exactly what I should be investing in as much as I am just wondering if I am on the right path currently or if I need to do more research and go back to the drawing board. I guess I am wondering if I am missing something important with the choices I’ve made. The saying is you don’t know what you don’t know and that’s why I am here. Any advice at all would be greatly appreciated.

Hello! Im 21 with a bad relationship with money. I’m pretty new to investing and am curious to know how to get started. My family hasn’t ever really taught me to be financially literate so anything that I could possibly learn or get started with.

I’m still learning, so take this more as a personal system than advice.

For a while I followed way too many investing YouTube channels.

The problem was not that the videos were useless. Some of them were actually helpful.

The problem was that I could not keep up.

One video is 30 to 45 minutes. A few videos after work can easily turn into two hours. And after all that, I would still forget half of what was said or only remember the most dramatic headline.

So I started using a simple filter before I decide whether a video is worth watching all the way through.

For each video, I try to write down only this:

1. What is the main point?

Example: The creator is bullish on Nvidia long term, but thinks expectations around earnings are already very high.

1. What tickers or topics came up?

Example: NVDA, MSFT, AI capex, Fed rates, market valuation.

1. What is the reasoning?

Is the argument based on earnings, valuation, macro, technicals, sentiment, or just “this stock will go up because vibes”?

1. What would make the creator change their mind?

This part is useful because it forces me to look for risk instead of only listening to the bullish case.

1. Is there a timestamp worth going back to?

If a video has one good 5-minute section, I do not need to watch the whole thing.

This has helped me a lot.

Instead of watching three 40-minute videos in one night, I can skim my notes in about 10 minutes and decide which video is actually worth watching. It also makes it easier to compare different creators talking about the same stock or event.

The biggest lesson for me is that I should not treat creators as stock pickers.

I use them more like inputs.

One person may explain the bull case well. Another may point out valuation risk. Another may explain the macro backdrop. My job is not to copy any of them. My job is to slow down and understand what I am actually reacting to.

Curious how other beginners handle this.

Do you still watch full investing videos? Do you take notes? Or do you mostly avoid finance YouTube because it gets too noisy?

I recently came into a smaller but significant lump sum of money that I’d like to invest (but don’t have the budget to continue contributing to monthly). I’ve done some research but all of the info and options are incredibly overwhelming and confusing to me. I’m hoping that someone on this subreddit will have some advice on what the best option(s) would be for this scenario 😭

For context, I’m very risk averse and have opened traditional CDs through my bank but am hoping to find an option that returns higher yields.

My portfolio and short explanations:

- META 25%

I currently love META at these current prices. They are generating massive revenue growth (33% YoY) while trading at like a 20 PE. I understand the capex worries and that it may bring volatility in the short term which I am ok with. I love the ad model of their business and how they have been using their capex on AI to increase time spent on their family of apps. This is a stock I will be happy to hold for years and years.

- MSFT 23%

I believe that MSFT was unjustifiably sold off during the "saaspocalypse." Similar to META, their valuations were very attractive compared to their incredible revenue growth. I think that MSFT is also similar to META in the sense that there are a lot of capex fears surrounding them right now. I think that their capex is justified as we can see Azure growing tremendously and Office 365 still being a must-have in large enterprises. Again, I am comfortable holding this stock for basically forever.

- VOO 14.5%

No explanation for this one

- NOW 12.5%

ServiceNow is another stock that was sold off during the Saaspocalypse. Rather than losing to Ai, I actually think they will be beneficiaries of it. They have reported 20% revenue growth for years and still retain their 97% customer retention rate (numbers don't show Ai negatively affecting this). I think their expansions into Ai through their AI Control Tower will lead to large revenue growth in the future ($1.5 billion already predicted for the year). I also love Bill McDermott and think he will lead the company forward in a positive way.

- QQQ 10%

No explanation

- NVDA 6%

NVDA is simple. I think they will continue to lead the AI race. I believe in AI and think that NVDA is a no-brainer right now. I have made a decent amount of money on LEAPs on this stock. I am now working on building a purely shares based position.

- MELI 3%

MELI is a very exciting business in Latin America. I think that their ecommerce-fintech flywheel is an amazing business model. They are able to cultivate an entire ecosystem of customers through this cycle they have created. There are some notable concerns for this company. First, their credit lending business is a point of concern for some investors. I am ok with this risk because I think that MELI has a large upper-hand on any financial institution in LATAM because of the decades of data that they have on their ecommerce customers. They can then use this data to find more reliable people to lend to. Their are also worries about competition from Amazon and Shopee. I am not too worried about these as MELI has already integrated itself into the number 1 ecommerce platform in LATAM. I also don't think Amazon will move investments from AWS to LATAM anytime soon. I think that current prices are great buying opportunities. I am going to continue adding to this as the stock falls or rises.

- Rest of portfolio is in cash, very little in IBIT, and very little in HOOD.

What are your guys opinions on any one of the individual stocks I am in?