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Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources. If you are new to investing - please refer to Wiki - Getting Started The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following: How old are you? What country do you live in? Are you employed/making income? How much? What are your objectives with this money? (Buy a house? Retirement savings?) What is your time horizon? Do you need this money next month? Next 20yrs? What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) Any big debts (include interest rate) or expenses? And any other relevant financial information will be useful to give you a proper answer. Check the resources in the sidebar. Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions! submitted by /u/AutoModerator [link] [comments]

Today marks perhaps my greatest investing milestone of all time! The short story is I bought $36,000 worth of Nvidia over the course of 8 years. Last year I told myself once my account breaks $1m profit, I will sell the entire position, lock in the gains, and have a hell of a story to share for life. Well today Nvidia hit a new all time high and I made that dream come true. Below is a long version of how it all came to be: I first acquired Nvidia back in Feb 2017 and in a few lump sum purchases wound up with a total of 6,500 shares of NVDA. My first purchase was for 1080 (in honor of my GTX 1080 I bought that year) and the share price at the time was a whopping $2.77! My total investment around this time was $4000. Edit: I looked up the actual purchase numbers and the number of shares was actually 27 at $110 but since Nvidia had split multiple times, the number shown in my report today was reflecting those splits. End of edit Back in 2017 all the talk was about Crypto mining and I naively thought Nvidia was the way Bitcoin would be mined forever so I bought into the mantra “during a gold rush, buy the company selling the shovels”. This was around the time BTC hit $20,000 for the first time but it quickly collapsed and I was introduced into the volatility of the crypto world. But I still held my Nvidia because I believed crypto was still at an early adoption stage. Over the next few years I continued to buy small amounts of Nvidia, in chunks of 100 shares here, 900 shares here, and eventually had 6,000 shares by 2019. The average cost of all of these were around $2-$8 in today’s value. 2019 is a significant milestone for me because I made a major life decision to move to Puerto Rico. I remember somewhere around 2019-2020 starting to think that GPUs and Nvidia specifically weren’t going to be tied to crypto as much as it would be the hardware needed to power self driving cars. The hype around Tesla was growing and crypto mining started moving away from personal computers and I learned GPUs were falling out of favor for more powerful ASIC mining rigs. So my mentality moved from Crypto to Electric Vehicles. Keep in mind, I really didn’t know a lot about any of this and I view my Nvidia convictions at the time more as luck looking back. Then in 2020 the Pandemic hit and we saw major sales of GPUs for gaming, virtual reality, and supply chain disruption and of course massive inflation. Stocks across the board were super volatile but in general things went bonkers in the tech sector. Tesla was killing it and Nvidia might have doubled during this time. It still had not gone parabolic yet but I still just kept holding onto my initial position. My portfolio wasn’t really moving in any major way yet and in early 2019 I was actually slightly negative in my total Nvidia investment. Then in 2023 we saw the first mainstream use cases for Ai started popping up. I’m in the photography and videography world so I noticed how disruptive image and video creation would be as soon as it hit. All my colleagues were making images in Midjourney when the majority of my non photo friends had no clue what Ai image generation even was. It ballooned quickly and that’s when my mind set changed a third time. Now Nvidia was going to be needed for data centers and personal computers to power this new Ai revolution. It wasn’t about crypto or self driving cars anymore, it was about perhaps the biggest innovation humanity has seen since the internet was launched and the iPhone was revealed. Seemingly overnight my portfolio was sky rocking. Where just a few years prior, Nvidia was in the red for me, it quickly started carving out a large portion of my portfolio. Once a liability, Nvidia now made up 10%, 20%, and 30% of my entire investment account and retirement funds. There were days when I would log in to see I had made $100,000 that day and a week later it would swing down -$105,000. It was pretty crazy to see a full year’s worth of income bouncing around day by day in my account. The temptation to sell had always been there since 2017 when I was up 20-100% but now I was up 4,000% and the temptation was even greater. Every single one of my friends was telling me I had to take profits off the table. I wound up holding. The last major purchase I made was in July 2021. I bought 400 shares for $14 which at the time was 3-5x what I had bought previously. Jump to June 2024 when Nvidia hit an all time high of $130. My wife and I had just had our first child and my Nvidia position was hovering around $800,000 in total gains. I knew I only had to make it to $160 per share to break the $1m mark and I told myself I would sell everything if that happened. Of course the next month Nvidia corrected pretty hard and the reality of hitting $160 didn’t seem possible until July 3rd 2025, nearly a year after I made my original decision to sell. I should have sold everything on July 3rd but I didn’t realize the trading day was shortened for the 4th of July holiday coming up. I also didn’t setup any automated sell triggers since I wanted to ceremoniously do the trade myself. It worked out in my favor as I was able to sell today at $163 and make a little more than the $1m cutoff I originally set to sell at. Here are the raw numbers: Total invested: $36,352 Total sale: $1,059,591 Total gains: $1,023,238 Average cost per share: $5.60 Time to materialize: 8 years and a lot of emotional rollercoasters! I know a lot of people get caught up in fancy investment options that feels more like gambling but hopefully this success story inspires those of you who are like me and just what to buy shares, hold them, and eventually offload them when the time seems right. submitted by /u/HudyBudyFudyWhudy [link] [comments]

I was in a general conversation with someone yesterday and while bouncing from topic to topic I asked, “so do you do any investing in stocks?” The answer was, “no I don’t.” After digging deeper, I discovered that they have their retirement fund through work, and any “extra” savings they have, they stick in a high yield savings account. This type of conversation happens quite often in my experience. Most people I’ve spoken to about money say they just keep their extra money in some form of a savings account, but I hear all the time how everything outside of your 3-6 month emergency fund should be invested. Is that 3-6 month rule only followed by a select, small community? Because in the real world, that doesn’t seem to be the norm, as most I have spoken to have way more cash than that. submitted by /u/ExpressionGeneral418 [link] [comments]

Just venting a bit here. I dumped a lot of euros into US stocks when EUR/USD was around 1.04. Figured I was getting in at a decent rate, and I liked the companies I picked. Now the euro is up at like 1.16, and even though most of my positions are flat or slightly up in USD, I’m in the red when I convert back to euros. Basically, all my gains got wiped out ... and then some ... just from FX. Kinda sucks seeing your account down 10–12% when your stocks didn’t even move much. Anyone else in Europe getting hit by this? Do you guys hedge your USD exposure somehow, or just ride it out? submitted by /u/Plus_Seesaw2023 [link] [comments]

Even if I make money, I still think why I didn't pour more money in, why I didn't use more leverage, why I didn't buy another stock which went up more. I always feel defeated. I don't have a fully data driven strategy so I can only blame my own decision making. I believe you don't have one either so I would like to know how do you cope with this. submitted by /u/patricktu1258 [link] [comments]

Kind of a niche question here but I've been digging into "judgement investing"...anyone familiar with it? Essentially you buy a court judgement (like when one business sues another and wins but never gets paid), and you try to collect it yourself through an attorney. Supposedly you can buy then cheap (15%-20% of the face value or better) and maybe collect 25%-50% or more if you do it right. Has anyone out there actually done this as an individual investor? Or anything similar? Just wondering: What was your experience? Where did you get your deals from? Did you buy the judgement outright or fund the enforcement? What were the returns really like? How much of a legal/time headache was it? How scalable is it? Can you deploy $2m+ in 24 months? I'm considering putting some real capital into this but want a reality check first. If you've tried it or almost did I'd love to hear your take. submitted by /u/ThunderFlamingo [link] [comments]

From today's Guardian. Trump targets countries and COMPANIES, based on alignment or lack of, with his personal interests, which include normalizing corruption and discarding the rule of law in favor of imperial dispensations. Oil companies and probably things like Palantir are safe/good investments in this environment, but sooner or later, the bears of April are likely to be vindicated. submitted by /u/Rare-Hawk-8936 [link] [comments]

Assuming an average return of 8%, with a hypothetical $10,000 invested, after 1 year, that money would grow to $10,800. You would have $800 in long term capital gains and at the highest bracket - taxed at 20%. If you have state taxes (let’s assume a 5% state tax for this example), you would owe $200 in taxes out of the $800, or 25%. That means the real return is only 6%. With inflation at 2.4% currently, that 6% return turns into 3.6% respectively. Does this mean that anyone who has higher than a 3.6% mortgage rate should technically pay off their mortgage over investing? I had no idea the real rate of return in the stock market was so low… submitted by /u/highonlife_99 [link] [comments]

Guys, let me ask you from the outset to keep politics out of this one, we just want to get good investing thoughts, politics are for other subreddits. So, new tariffs have been announced by Trump. Here's Yahoo Finance's summary of it, if you scroll down you can find a table summarizing all the countries hit and the respective tariff rates. Here's a more concise summary by Reuters. I'm surprised that the markets didn't even blink in response to this, unlike the Liberation Day slaughter and I'm wondering whether the market response will come when they actually go into effect, which is August 1, so I wanted to ask, what was the pattern with Liberation Day. Did markets plummet when the tariffs were announced or when they went into effect? Also, should we expect as big a drop as on Liberation Day or are all these countries minor trading partners, so the expectation should be a smaller drop? submitted by /u/themainheadcase [link] [comments]

Establish a pre-tax 401K/IRA during your working years when you have earned income to take advantage of additional investment compounding without incurring taxes. Subsequently, cease working prior to retirement, avoiding earned income and refraining from collecting Social Security, and utilize the Roth IRA conversion assets annually as necessary for your expenses. I understand that a substantial amount in the 401K/IRA is required to implement this tax strategy effectively. As an alternative, while receiving Social Security, consider using the Roth conversion amount to supplement your annual budget. What are your thoughts? submitted by /u/Guy_PCS [link] [comments]

I am trying to better understand what GOVX was offering. To me it appears that they offered an IPO at .65 USD per share w/ a 5 year warrant. My understanding is that this warrant can be exercised immediately so if the stock went to $1.00 the buyer could exercise that warrant for a stock correct? As luck would have it, I already had about 1,500 shares of this company when this IPO went public and it tanked from .96 USD to .49 USD. From my research, this company has a ton of upside (Which is why i own it). I then purchased about 12K more shares when it was at .49. it has since recovered to .67 but my question is about the future value and how someone could have gotten into this IPO. I see a ticker of E8LA mentioned but I have no idea how I could have even gotten into this IPO if i even wanted to. Currently, it has benefitted me in not doing so but I'm curious about how these work and how they impact future value. The value of the stock at the time of this IPO was .96 as mentioned so was the company not expecting it to tank as much as it did (And thus screwing existing share holders) or hoping that that undervalued IPO would entice a bunch of buyers and thus capital and the value would quickly recover? Why would the stock ever get much above their warrant value of .65 with shareholders knowing that there is/was a set value some could purchase it at in the event it rose. and thus creating dilution for existing shareholders. It makes me almost want to take the gains I got buying a ton at .49. Maybe my thought process on this is entirely wrong (Quite likely) Thanks much, Dave submitted by /u/TT_Vert [link] [comments]

I currently have 180k invested in VOO and 130k in cash within my IRA from a company 401k rollover. I have been contemplating whether to reinvest into VOO or to go another direction, and saw that BRK.B has diverged pretty heavily from the run VOO is on since April. I know BRK.B has been comparable in returns (and at points beating) to the S&P500. Would using the 130k I have in cash to invest into BRK.B be a solid move, or should I just throw it all into VOO? submitted by /u/Brundonius [link] [comments]

Curious to hear what everyone’s holding (or eyeing) that feels undervalued now but could be a big win in the coming years. Not talking about the obvious giants, but something under the radar be it in semis, biotech, energy, or whatever. Would love to read your takes and why you believe in it. submitted by /u/jixxby [link] [comments]

Hello, I was looking to understand Fidelity's Q1 25 606 report which shows how their orders are routed. This is the report. Am I understanding correctly that all limit orders are routed to the public exchanges while almost all market orders are routed to HFT firms? Does this mean that every market order is frontrun, no matter how small? I understand that these frictions are absolutely minuscule, but, all else being equal is it better to put in a limit order? submitted by /u/NotAChemistOrg [link] [comments]

Been investing in stocks for the last 13 years. I recently calculated my returns and my CAGR is approximately 20% over 12 years. The S&P500 was 12% during the same period. I hit on some big winners like AAPL, CMG and NET. I held a very concentrated portfolio. Early on I was 70% AAPL. Then I diversified into more companies to lower risk. I’m thinking of quitting stocks and just going all in ETF. It takes a considerable amount of time to research and keep up with a dozen or so companies. And something is telling me I got damn lucky. If I continue to strongly out perform the market the next 5-10 years it could make a big difference. But I could also get crushed for having a highly concentrated portfolio. I don’t like to hold more than 20 or so companies. Has anyone been in a similar situation and just cashed in your chips and went 100% etf? At this point I don’t really enjoy the grind of investing in individual stocks. It is purely for profit. Did think about going mostly etf and some stocks. But won’t make much sense since it will take just as much time to do research on a smaller stock portfolio submitted by /u/Shoddy_Ad7511 [link] [comments]

What app and or sites are best to gaining pre & post market training? New in general to day trading but I’d like to have access to all of it. Any help will be appreciated. Also fyi, not sure if it matters but just starting small with a $22,000.00 start up funds. Thanks again! submitted by /u/shawnfogelman [link] [comments]

Index funds: VOO - 41.76% VXUS - 37.96% VUG - 11.11% EUAD - 3.23% Stocks: RKLB - 4.14% Crypto: BTC - 1.79% I’m a 35 year-old single male in the US, no kids. I’ve tried to diversify a bit by pairing VXUS and VOO indexes (and EUAD to a lesser extent). I don’t need the money currently, but I’m not sure if this is not spread out enough in terms of risk and geographic locations. I currently have a few months of emergency funds in a HYSA. I understand that the greater the risk, the greater the potential upside (or potential downside), so I figured I’d only put ~5-8% into BTC and RKLB combined since they aren’t indexes. Am I putting too little (or maybe too much?) into non-index funds? Would it be more effective to use a single global index like VT instead of VXUS + VOO? Am I overlooking something else entirely? I’d appreciate any input on this allocation! submitted by /u/Stunning-End-6870 [link] [comments]

I am hoping to get some advice and if I posted this in under the wrong thread, please share where you think I can get the best advice from. I am currently the Durable POA for my father and recently I tried to roll over his retirement account from an incentivized savings to a traditional ira so I can take out a small amount of the retirement to assist with his living expenses. I know with a POA there are many limitations on what you can or can't do, however I thought with. Durable Power of Attorney, it authorizes me to make all financial decisions on his behalf including if I wanted to "open a traditional ira account" to transfer money into it. But I'm being told I can't do that with a Durable Power of Attorney (even though it says it right in the notarized document (which I have also used in the past to open a bank account for him so I can put money into for his day-to-day expenses. He is a NY resident for relativity. They are insisting they need his authorization but he is disabled and is barely able to speak. (hence the durable power of attorney) Helpful advice welcome. Please and Thank You. submitted by /u/Master_Buffalo_4999 [link] [comments]

Meta’s latest move sees it quietly acquire a roughly three-percent stake in EssilorLuxottica for about $3.5 billion, deepening a partnership that began in 2019 with the first Ray-Ban Meta smartglasses. This isn’t a one-off equity play but a strategic bet on owning more of the hardware pipeline for AI-powered eyewear rather than relying on third-party manufacturers MarketWatch. By embedding itself in the world’s biggest eyewear company, Meta is aiming to accelerate development of smartglasses that can livestream, translate languages on the fly, and serve as lightweight AR companions instead of bulky VR headsets. Reality Labs has burned through tens of billions in losses chasing the Metaverse dream, but smartglasses have sold more than two million units and promise to bridge the gap to mainstream adoption. The immediate market reaction was a five-percent pop in EssilorLuxottica’s share price, reflecting investor belief that Meta’s backing will speed production capacity from two million to ten million pairs by 2026. Competitors from Google to Xiaomi are racing to enter the AI wearables fray, but Meta’s equity cushion and deep pockets give it a home-court advantage in shaping design, distribution and software integration. For end users and developers alike this signals a coming wave of smarter, sleeker eyewear packed with AI features that could redefine how we capture memories, navigate cities or even interact with the digital world. By putting real dollars behind high-fashion names like Prada and Oakley as well as Ray-Ban, Meta is signaling that the next revolution in personal tech won’t be on your wrist or in your pocket but right in front of your eyes. Do you think your next notification will show up on your glasses instead of your phone? submitted by /u/Usual-Importance-893 [link] [comments]

I just opened my first savings account (yay ) with discover. I also have a very high chance of getting hired at my first real job! ( not minimum wage ). Since I live with my Grandparents I have very low cost of living right now so I want to put half of my pay into savings. This is to save for a car and to move out. This will be happening over the next 2 - 3 years ( when I leave for graduate school ). To my knowledge having that money in investments will produce more money but I cannot access it for years. So at what point its a waste to put it in savings? I guess I can calculate the minimum I would need to buy the car and move... but I dont know how much moving costs... and I dont know how much I would need for the car. ( my family will probably pay a huge sum of it but knowing them they would probably direct me to the car they want for my safety so I really dont know ) Any advice at all is well appreciated. submitted by /u/Business-Low-457 [link] [comments]

Is there something that everyone should do while they’re young? I hear all about “start early” but rarely do people go more in depth than that. If you had to start investing again from zero at the age of 18-25, what would you focus on, what would you invest in, etc. This can be anything from a one time payment to a monthly contribution. submitted by /u/ItsKingAC [link] [comments]

The NVIDIA company has topped $4 trillion dollars in its market cap. This puts the company ahead of early rises such as Apple and Microsoft and makes it the first company to reach the four trillion dollar milestone. Earlier this year NVIDIA took a dive as people questioned its value in the AI market, especially with DeepSeek promoting AI models on less expensive hardware. Now it's back up and at record highs, both for the market and the company. Do you think we'll see NVIDIA climb higher, or is the shine starting to wear off the AI bubble? submitted by /u/daemonpenguin [link] [comments]

Hello everyone! I have 400k saved up in an account that gives me 4% interest, I feel anxious that my money is not invested. I am not sure what would be safe and make some decent returns. Any one who faced similar situations or have suggestions? I would like to retire early and have a family. Please suggest. Thanks! submitted by /u/Maiya_degen [link] [comments]

I'm sure some of you started this at one point: a dream of purchasing a house. Aggressively saving, selling items, getting a 2nd job and trying to gather as much money as possible. And then the wait is over and you purchase your dream home... But for me, it seems like the goal post is moving further and further every year. At this point I'm thinking it's a pipe dream and I'll never get to it, which I'm fine with...kind of. I was looking at investing, pretty much majority of it into my Fidelity. I currently have all the money tied up in either money market or HYSA, so it's not just sitting there. So my predicament would be; walk away from the house goal and invest entirely OR just keep on waiting for the opportunity. Has this happened to you before?? What other options could there be? With my luck, that opportunity would magically appear, and all my money is tied into investments, haha. submitted by /u/abeBroham-Linkin [link] [comments]

Age 43. I have $110k in a managed IRA invested in large cap US stocks, and another $15k IRA invested in an international equity ETF. My 401k at work is in a Vanguard target date fund, about $12k. If I open a Roth, should I invest in similar funds or something I don’t already have (i.e. emerging markets, small/mid cap, bonds, REIT)? submitted by /u/f946x875 [link] [comments]

I'm looking to discuss how to make investments to capture these four assumptions. Citizen of the USA. For efficiency's sake, let's just assume these statements are true. They of course may not be, but let's just say that they are for the purposes of this inquiry. Please and thank you to all who contribute! I'm learning every day! The USD must weaken. Looking at the current administration's actions, the trade deficits, and our sovereign debt levels, the USD must weaken. How to short the USD? (Do I short UUP or go long puts UUP, or long a forex pair like CAD/USD OR EU/USD?) LT USG bonds will rise in yield. How to short LT USG bonds? (Do I short TLT or go long puts TLT?) Thus, housing market will soften substantially. How to short that? (Really stumped on this one. Do I go short a MREIT like NLY?) When Jerome Powell is replaced, which he will be, and sooner or later the front end of the curve will go down. Short term rates will lower. How to profit on that? (Also stumped on this one. Do I go short SGOV or TFLO? Or do I need a product with more duration like up to what...3 yrs?) submitted by /u/Hempdiddy [link] [comments]