My budget is 1700 rupees, and I just sold HFCL at 258. As a student with a small budget, I am thinking of investing that 1700 back into either Pine Labs or Money View. Which one do you suggest based on your knowledge, and please let me know quickly. I have attached my current portfolio situation above. And I don't know much about the analysis, so iam asking for some suggestion with good analysis
Have a small business and signed up with a 401k provider six or so years ago to manage a retirement plan for myself, my partner and our employees.
They offered dozens of low-cost funds from Vanguard to choose from and it would automatically rebalance as contributions and dividends came in. I set mine up like this:
VTSAX @ 55%
VTIAX @ 20%
VITAX @ 15%
VGSLX @ 5%
VBTLX @ 4%
VTABX @ 1%
Might not be to your taste but that’s what I did and I was happy. It was low cost for us and our employees and you could set it and forget it.
Fast forward to last year. A new company swallowed our 401k provider and then this year a new company swallowed them.
The latest one automatically sells all of my holdings (and that of my employees) and invests 100% in their own Target Date Fund. Mine was called LifeCycle Select 2045 with a very opaque summary that says:
Equity 54%
Bonds 5%
Cash 1%
Other 40%
The YTD, 1 Year, 5 Year, 10 Year performance metrics are all blank. It just says Inception to Date Return is -0.84% but I think inception must be like a few weeks ago.
So I have no idea what’s in this fund, and have no interest in investing in it, but when I see what the other options are, it’s 29 random funds that I don’t really understand.
Should I just can this new company and find another? That seems like a pain, and I don’t know if I’ll find another one that’s better — the one I liked got bought.
Is the LifeCycle target date fund actually decent? I can’t figure out what’s in it, though they say the expense ratio is .06 which is probably similar to the average of my previous investments.
Is it worth piecing together something from the 29 “Invest on Your Own” funds? I don’t know how to share them here but it’s 5 Black Rock funds, 2 Int’l Fidelity funds, 3 Vanguard funds (none that I used to invest in tho), a dozen LifeCycle funds (2015-2070 in 5 year increments, and then like 7!other random options).
Any thoughts would be much appreciated.
19M, turning 20 in 9 days.
Hello sub!
I'm a relatively new investor coming into the market for the first time. Just for background, I'm 20 years old. I have my own car (paid off) and have no plans of getting my own place as of right now. I don't have much overhead expenses and so I'm focusing on investing for my future. I do plan to be in this for the long-term. Currently I have 100% in VOO and looking for ways to get the most bang for my buck in the long-term while also ensuring I'm not overly heavy in one market and give myself a cusion (I do believe in the US market to perform)
Looking for suggestions as well as critiques for this potential portfolio. How would you improve it? What changes would you make? Etc.
Go easy on me, I'm still learning.
Kubera doesn’t have an iPhone or Android app in 2026, only the website, which you can add to your home screen. I was looking for a way to track my net worth and investments in one place, and no mobile app was a dealbreaker for me. So I spent a few hours going through the alternatives people recommended in the earlier thread. Everything is in the tables below, so compare and pick what fits you.
🆓 free version available
✅ iPhone and Android
⚠️ Apple only
❌ no mobile app
Kubera and net worth trackers
| Founded | App | Mobile | What it tracks | Regions | Price |
|---|---|---|---|---|---|
| 2019 | Kubera | ❌ Web only | Banks, brokers, crypto, real estate, private stakes, many currencies | Worldwide | $249/yr |
| ~2023 | 🆓 8figures | ✅ iOS + Android | Banks, brokers, crypto, startups, real estate | US, UK, EU (Latam and Asia in progress) | Free tracker, AI advisor (Pro) $30/mo or $269.99/yr |
| ~2020 | 🆓 WorthTracker | ⚠️ iPhone only | Anything you type in (property, accounts, investments, loans), with currency conversion | Anywhere | Free |
| 1997 | 🆓 Yahoo Finance | ✅ iOS + Android | Stocks and brokerage accounts | Worldwide, brokerage linking US only | Free, Plus is paid |
| 1946 | 🆓 Fidelity Full View | ✅ iOS + Android (inside the Fidelity app) | Fidelity plus linked outside accounts | US | Free for Fidelity customers |
Other apps that came up
These have net worth features too, but they’re built for something else first: budgeting, retirement planning, or investing your money for you.
| Founded | App | Type | Best for | Mobile | Regions | Price |
|---|---|---|---|---|---|---|
| 2019 | Origin | Budgeting | Budgeting, investing and an AI money advisor in one app | ✅ iOS + Android + web | US | $99/yr or $12.99/mo, $1 first year promo |
| 2018 | Monarch | Budgeting | Couples and families who budget together | ✅ iOS + Android + web | US (Canada unclear) | $99.99/yr or $14.99/mo |
| 2018 | Copilot | Budgeting | Apple users who want the most polished budgeting app | ⚠️ iPhone/iPad/Mac + web | US | $95/yr or $13/mo |
| 2025 | Nauma | Retirement | Tech workers with stock comp who plan on their own | ❌ Web only | US | From ~$200, up to $4,990 |
| 2009 | 🆓 Empower | Retirement | Free retirement planner on linked accounts (expect advisor sales calls) | ✅ iOS + Android | US | Free |
| 2008 | 🆓 Boldin | Retirement | Pre-retirees doing a detailed plan themselves | ❌ Web only | US | Free tier, PlannerPlus $144/yr (going to $168 on Oct 15) |
| 2008 | 🆓 Wealthfront | Robo-investor | Hands-off investing, with free planning and tracking | ✅ iOS + Android | US | Free for tracking, fee on invested money |
Prices and regions change, so double check on each app’s site before you pay. If I got something wrong, tell me and I’ll update the tables.
IRAs separate for compliance (brokerage industry).
I prefer Fidelity active management for Mid Cap and Semis (vs AVMV and SMH/SOXQ) and both have performed well net of fees.
Questions/Comments/Concerns welcome!
I have a managed 401a &457b/457roth with my work and have been maxing out my 457b the last couple years. Due to a new promotion, I decided to stop contributing to 457roth and max out pre-tax to help limit tax liability. I make over the contribution limits for a traditional IRA so decided to start maxing out a rothIRA for the first time this year.
I dabbled with a brokerage account earlier this year but got advice that I should Max out a RothIRA before I consider brokerage as it will grow tax-free.
So far I've been more concerned with the setting up and maxing of the account and I've just been buying various stocks/etfs I've heard about.
Grew up poor so dealing with excess money is something I've been trying to teach myself over the last few years. Are there any good resources for learning investment strategies for Roth IRA?
I've seen some posts that suggest only having only a few ETFs but growing up I always heard you should " diversify" your portfolio.
Any help/advice is greatly appreciated!
Started it on the first of october in 2023. I have taken adjusted it yesterday, while taking some profits on AMD, Microsoft & Meta. Have taken profits on Palantir twice before.
I’m from the Netherlands so that’s why it has 3 Dutch stocks in there as well.
If you want to copy it: https://www.trading212.com/nl/pies/l7iW5tqfRuC50Iw3ysvRgmH9ljk7
I do have a few other Pie’s as well, one for European defense stocks and one for regular monthly dividends containing REITS & BDC’s only.
I just started investing about a year ago. Sold most of my individual positions and allocated the gains into index tracking ETFS (VXUS, VTI, VOOG, and QQM). I know there is some heavy overlap in some of my ETF holdings, which I am wondering will be problematic long term? Open to any suggestions and critical assessments of my portfolio.
I’m 30 and investing for the long term. I’m intentionally leaning toward technology and growth because I believe in their potential, so I don’t want to remove that tilt completely. I’d like to add diversification, especially international stocks, and get opinions on whether my current mix is too concentrated.
As of October 7, my portfolio is about $24,166:
FXAIX: $18,653 — 77.2%
SCHG: $3,893 — 16.1%
FSCSX: $1,620 — 6.7%
FTIHX: I don’t own this yet.
I’m considering adding FTIHX for international exposure. One hypothetical target I’m considering is:
FXAIX: 70% — about $16,916
FTIHX: 20% — about $4,833
SCHG: 7% — about $1,692
FSCSX: 3% — about $725
These dollar amounts show what each holding would be if I adjusted my current $24,166 portfolio to match those percentages. They are not my current balances, and I don’t currently have the $4,833 in FTIHX.
Does this target make sense for someone who wants to keep a tech and growth tilt while adding international diversification? Would you suggest different percentages or a simpler mix?
This is a taxable account, so I’m also unsure how to make the change. Would you sell some of my current holdings to rebalance, or keep them and direct future contributions toward FTIHX? I’m open to feedback on whether I should reduce or sell SCHG or FSCSX, but I’d like to consider the tax impact before selling.
Most people who followed $CYDY remember March 30, 2021. The FDA publicly stated that CytoDyn's claims about leronlimab were "misleading and not supported by the data", no benefit was shown in COVID-19 treatment trials. The stock dropped 25%+ that day.
What happened afterward was a class action lawsuit covering investors who held $CYDY between March 27, 2020 and March 30, 2022.
A $500,000 settlement has been reached and terms are now submitted to the court for approval.
Who qualifies?
Anyone who held $CYDY during the class period and suffered losses from the alleged misrepresentations about leronlimab's effectiveness for HIV and COVID-19.
Can I still apply?
Yes, you can submit your application now and it will be processed once claims filing officially opens after court approval.
If you were damaged by this don't forget to check your eligibility. GL!
I am 56, and would like to retire in about 10 years. I thought I was comfortable with my portfolio, which is a fairly standard mix of stock index funds and bond funds (68/32 stocks to bonds/cash), but I have found that I’m stressing about the 10 year time horizon now that it’s here. With stock valuations and all of the other negative news, I fear a lost decade or major correction, etc.
I have around 700k in a 401k, and I am considering this: buying around 600k in strips or zero treasury bonds at 5+% and investing the balance in a no/low cost s&p index fund available within my 401k. All future contributions would go into the 68/32 mix described above for longer term investing during retirement. The strips will be 1mil in 10 years and the balance plus future contributions could be another 500k. Along with 6k per month in SS (combined with my wife’s) the million at a 4% withdrawal rate should provide enough to cover COL comfortably.
My main question is, what are the downsides to buying the strips given the historically high yields?
SGOV | EDV
SPYM | VFLO | GARP | FMTM
PVAL | DIVB | QQA
NTSD | LVHI | ALLW
IALT
The correlation between all of these is pretty low so I'm having a hard time choosing which ones to get rid of.
SP500 59%
TOTAL INTERNATIONAL 28%
US SCV 8%
INTERNATIONAL SCV 3%
EM VALUE 3%
IM 28 TURNING 29. ANY RECOMMENDATIONS? I DON'T OWN ANY GOLD. I OWN BITCOIN WHICH IS ABOUT 50% OF MY NW.
EDIT: IM ABOUT 5% CASH, 48% EQUITY, 47% BTC
Thanks for the help
Hi all,
So I’m new to this whole new world of investing and portfolio building.
What would you invest in?
I put some into VTI but what else should I invest in?
Thanks,
M