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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]

Yes, late to the party as a new investor... but what are this community's thoughts on investing in a European defence ETF at the current time? Looking at some of the larger players, I can only assume we're going to see correction in the coming months after the recent tear. However, on a 5-10 year horizon there's surely going to continue to be an upward trend as Europe finally takes its defence seriously again. And that's going to take a long time. Would it be better to wait until a cool off and join at a dip, or is now as good as time as any if I'm not in it for a quick win? submitted by /u/DeliriumOK [link] [comments]

I want to hold VT because of international exposure but I am reading that I could pay more taxes on VT because of foreign dividends. I don’t want to do vti and vxus because I want simplicity of one fund. Im 36 and will be putting in a lump sum of about 3-5k and then around 200 a month for a few years. Edit: I live in US submitted by /u/taythorn1 [link] [comments]

I already have index funds and have 8 companies already in my portfolio just want to add another 4 or 5. On my pick list its Amazon and ASML I just need few more growth names. As I have enough dividends plays such as UPS, UNH, TGT and DVN. So for now I want to focus on growth (I got google and UBER already) Please write your thoughts on this. Thanks. submitted by /u/YourSecondFather [link] [comments]

Hello everyone! Im very new to the investing topic. And i cannot find an answer for my question online: For example, if i own only 3 types of shares (3 different companies) in one country ( for example, it makes up 50% food sector, 20% energy, 30% manufacturing) - is it considered that i have a diversified portfolio? Or do i need to have stocks+bonds+other types of financial assets for it to be called a "Diversified portfolio'? submitted by /u/Dianssi [link] [comments]

My apologies if this is the wrong group to post such a thing but here it goes. My first son was born last year and we've been putting a little money aside each month to get him something. Maybe keepsake is the wrong word but something to give him a head start when he turns 18/21 (depends how he does) We're at the point where we could buy him 1oz of gold. My question. My boys name is George and we're from the uk. I was thinking about a 1oz 2024 St George gold coin or just a 1oz gold bar. I know gold is gold the price is what it is but to all you investors what would be the best one to buy? submitted by /u/just_joe_88 [link] [comments]

Interested in this sub's input on forward-thinking ETFs. I've been heavy into VTI for several years now, and it has paid very well, because it builds our future. However recently I got in early with $OKLO and it popped. This lead me to consider renewable energy ETFs since AI needs to draw a lot of electricity. There's a nuclear ETF (VanEck), but its low quality, hasn't been re-indexed in a long time. Doesn't include $OKLO. What kind of ETFs have you dabbled in to get exposure to tech, energy, or other forward leaning sectors? I'm also considering healthcare. It's such an incredibly unsexy sector that I can't seem to invest in it, even though with an aging world population it might be solid. I could be interested in subsectors like genetics, longevity, robotics, etc. What's your ETF of the future? submitted by /u/Higgsy420 [link] [comments]

Bank of America analysts argued in a note Friday that the S&P 500’s valuation premium is “mostly warranted,” despite the index appearing expensive by traditional measures. “The S&P 500 now trades at 21x forward earnings, 35% above average,” BofA wrote, adding that it “looks statistically expensive relative to its own history on all 20 of the valuation metrics we track.” However, the analysts say comparisons to historical averages may be misleading. “Today’s S&P is apples vs. prior decades’ oranges,” they said, noting a shift in sector composition. “Nearly 70% of the index was asset-intensive Manufacturing sectors in 1980 vs. <20% today.” They argue the index “has become higher quality, with lower leverage, lower earnings volatility, and higher margins.” BofA also defended the U.S. market’s premium over global peers. “The US trades as the most expensive region (~40% premium vs. Europe/Asia which trade at 16x),” they noted, but emphasized that “quality, balance sheets, growth potential and risk are statistically superior.” They pointed to the U.S. being “half as levered as other regions” and praised “significantly lower estimate dispersion on 2025/2026 forecasts.” Additionally, the U.S. offers “roughly double the long-term growth potential of Asia and Europe, with lower earnings volatility than Europe, plus higher free cash flow per share and a lower percentage of non-earners vs. both Asia and Europe,” says the bank. BofA also cited structural advantages including “labor fungibility, USD as reserve currency, energy independence, unparalleled liquidity and Tech primacy (at least for now).” GOOGL, MSFT, NEE, META, BGM, and FCX may benefit from the S&P 500’s sector shift toward higher-quality, capital-light companies, especially in tech, renewables, and metals. For near-term positioning, BofA’s tactical model prefers U.S. “Communication Services, Utilities and Tech,” and highlights “Interactive Media & Services, Metals & Mining and Independent Power & Renewable Electricity Producers” as top industry opportunities. submitted by /u/Less_Dependent416 [link] [comments]

I've just started dipping my toes in the investing waters, and I'm trying to decide where I want to put my money. I like the idea of target funds, but when I look at various "If I Had Invested" calculators, it seems like VOO is way, way stronger. A friend of mine who knows more about finance than I do said he doesn't really like target funds, as you can miss out on a lot closer to your retirement date as the funds switch to bonds, etc. Obviously, the market could totally tank, but looking at the long term, do people see VOO as being a stronger investment than target funds? submitted by /u/AlwaysSitIn12C [link] [comments]

From 1926 to 2024, the average annual return of the S&P 500 was 10.41% with dividends reinvested. However, after adjusting for inflation, it’s only 7.29%. Therefore, it’s my understanding, that when planning for retirement, 10.41% would be used to see how much your bank account balance would be, but 7.29% would be to see how much the money would be worth in today’s dollars. The inflation rate from 1974 to 2024 was 197.87% while the maximum allowed IRA contribution limit rose from $1,500 in 1974 to $7,000 today. That's a 367% increase. So while inflation is a real thing, it seems to be more than cancelled out by increased contribution limits. And if that's the case, why should I worry about and/or plan for inflation? Edit: u/Commercial-Speech122 pointed out that I was calculating the average annual return via the arithmetic mean rather than the geometric mean. I have since changed this so that the average annual return is 10.41% rather than 12.29% and after accounting for inflation, it's 7.29% rather than 9.27%. Slickcharts. S&P 500 Historical Annual Returns. Slickcharts, https://slickcharts.com/sp500/returns. Accessed 13 June 2025. Slickcharts. Historical Inflation Rates: 1914–Present. Slickcharts, https://www.slickcharts.com/inflation. Accessed 13 June 2025. PK. “Historical IRA Contribution Limit.” Don't Quit Your Day Job, 2025, https://dqydj.com/historical-ira-contribution-limit/. Accessed 13 June 2025. submitted by /u/FrankRat4 [link] [comments]

Just thinking since growth in a Roth is tax free does it make sense to dive into some of the less tax efficient investments like actively managed funds, REITs, bond funds etc? I’ve just been using it like the rest of my holdings with a spattering of index etfs and some individual high conviction stocks. submitted by /u/slade45 [link] [comments]

Hi there, I'm trying to find a non-US domiciled international ETF without any US exposure. As I already have all of my money invested in US stocks, I would like to internationally diversify. Anyone know of a ticker that I could buy on the market that is non-US domicile? If possible to buy on Interactive Brokers that would be ideal as well, and I'm on the EU version of Interactive Brokers. submitted by /u/planisking [link] [comments]

I am losing so much money investing in USD and ive been wondering to make some changes. •CSPX (USD) to VUSA (Euro) CSPX rarely updates value in my bank and glitches alot with market opens on google finance, while VUAG is very popular, with the same everything just changed to a less volatile currency. •Berkshire Hathaway (American) to Berkshire Hathaway (German) Less currency volatility which has caused it to fell an additional 6% along with the stock fall of 5% submitted by /u/GoldenReeqo [link] [comments]

Hello there, I am 27(M) and have been trying to take me and my wife’s retirement seriously for about 2 years now. I will admit, a lot of this was extremely daunting and STILL is. My personal details, I work at a job in which I get a pension. I am on year 3.5 of 5 years in which I will be vested. I have no plans on leaving this job and see myself retiring from here. Because I’m not vested, it’s pretty difficult to get any specific details about the pension. All I know is word of mouth, and what I’ve heard is that it’s really good. (Something like 82% of your highest 3 years after 30 years completed). I will mention, I do not pay into social security because of the pension. Because of the uncertainties of the world, I decided to open a Roth IRA account with Empower RET. I started by doing 100 dollars a check (Bi weekly). I have recently done 270 a check (to hit the 7,000 yearly maximum). My “portfolio” (I think that’s what it’s called) is built very neutral. 50% aggressive 50% safe. I followed advice from someone who told me at my age, it’s OK to be aggressive, but don’t put all my eggs in one basket. My main question is, what now? I have 30k in savings (currently saving for a home with my wife), 4k in my Roth IRA, and plan to continuously max my Roth IRA out each year. I still can’t help but feel like I’m going to be stuck when I’m too old to work and won’t be able to support my wife or future children. Being pointed in the right direction would really ease this anxiety I have, and I appreciate anyone’s willingness to advise me! (I know people will ask, my wife also has a Roth IRA and she is paying about 4% each check. Her work retirement is a 401k match and she hasn’t done very much with it. She doesn’t want to make any drastic changes until we can purchase a home) submitted by /u/GageCDrums [link] [comments]

Every now and then I see bears say “I’m selling and converting to cash”. If you do this, thats a big tax hit on your gains. I guess you have to pay the taxes eventually when you withdraw money to use it, but doesn’t this impact your net available to invest when you re-enter? What’s the “break” even on this? Edit : I am asking from USA perspective, nice to see how different countries handle it. submitted by /u/bshizzy [link] [comments]

I see chart of Amtech stock of last 40 years. stock has same pattern, High low high low high low. its currently low and with semiconductor boom, i think this can be next huge opportunity. what is your thoughts on this? i personally think with numbers they have in place, this could possibly have a good run. submitted by /u/Affectionate_Back548 [link] [comments]

Hey all just changed up my 401k investments in my employer 401k...let me know what your thoughts are. I'm trying to get grips on it while I'm younger and maybe change it again when I'm in my 40s. 32 y/o - Close to 100k in 401k - 12% into 401k - Have employer pension - Company matches 6% - Have personal Roth IRA 80% on VTI and 20% Int. ETF. I max out my Roth each year, 401k will be maxed out starting next year. 65% SP 500 Index Fund (lower expense ratio by a fair amount then Target) 5% Company Stock (Energy sector, looks promising but still meh) 30% 2050 Target Retirement Fund (Higher expense ratio, but not horrid) submitted by /u/Tahtooz [link] [comments]

With the news today that Amazon and Walmart are thinking of getting into stablecoins, both visa and MasterCard had a dip. I suspect, on a 10 year time horizon, MA and V could cede significant market share if stablecoin adoption on public Blockchains like SOL and ETH increase. Because, they eliminate the need for centralized card processors. Granted, a lot has to change. But I'm here sharing my thoughts on how these 2 blockchains could be long term winners in the payment space, real world assets, etc. Amazon/Walmart would need scalable and secure blockchains to issue and settle stablecoin transactions and both SOL and ETH are well positioned. Stablecoin transactions by millions of users = billions in daily onchain volume. This boosts fees, validator revenue, network adoption, and long-term value of SOL and ETH coins. More tools, apps, and integrations are being built on Solana and Ethereum to support retail payments, loyalty systems, and financial services. This strengthens network effects. Amazon and Walmart combined process hundreds of billions in annual payments. Shifting that onto stablecoins cuts deeply into Visa/Mastercard’s volume and revenue. Stablecoins shift the power from legacy players like V and MA and that’s a massive paradigm shift. Yes, yes, a majority of cryptos are straight up scams, but the underlying innovation that created this industry is very real and is evolving. I'm positively bullish on this outcome. submitted by /u/Adventurous-Bet-9640 [link] [comments]

This is for investors who had taxable funds in a Target Date Fund back then and got hit with capital gains taxes. SEC file here. The $106m settlement was announced in January and articles say "the SEC will notify the investors impacted by this action and will administer the remediation payments through its Fair Fund program to compensate investors for the capital gains taxes." "This is a lengthy process due to the large number of investors affected nationwide. We ask that you be patient with this process" Just wondering if anything has happened in the last five months? By the way, the separate $40m class action was dropped a couple weeks ago. submitted by /u/Comfortable-Cut8506 [link] [comments]

I'm 40 and hold FSKAX and FTIHX in my Roth IRA. Have been thinking about adding FXNAX back into the picture. Had 10% allocated for FXNAX, but all the talk regarding government overspending that will lead to a larger deficit, high interest rates, etc. scared me (LOL), so sold off all my shares in less than a year. But, heard some comforting news this might be short-term what we're experiencing. I was thinking of doing 1% - 5% initially, and maybe 1% added annually? I don't want to be too heavily dependent on fixed income until maybe 15 years in the future, but is it a good idea to start phasing some of this in now? Anyone else around this age adding bonds to your allocation? Would love to hear your thoughts or how you’re approaching it. Thanks and appreciate it! submitted by /u/Ok_Assignment4100 [link] [comments]

I’m looking for any other brokers that offer stock trading with zero commissions for UK citizens. Schwab international does this. Are there any others? Webull UK offer commission free but it’s only for a limited time, so that’s no good. I think Tradier might do it but I don’t know much about them. submitted by /u/DeanMachineYT [link] [comments]

Hi there (22M),first time posting in this community. Only recently started really looking into my portfolio and wanting to maximize it. I’ve been investing for a while with about $17 K invested myself into various stocks. My accounts sitting at 24K. I have quite a bit of exposure to tech as I am trying to be quite an aggressive investor while I’m young. I ended up investing into Nvidia in May 2023 and that stock just doubled for me over overtime, I’ve also realized that back then I put about 1 k into MCD and have gotten some dividends back however I’m questioning if I should buy more Nvidia, will go into AMD and expose myself to more high-yield instead of dividends. Any feedback or advice would be much appreciated. I thank you in advance !! submitted by /u/Legitimate-Zombie-15 [link] [comments]

Trump’s first international trip back in office kicked off $2 trillion in trade and defense deals across the Gulf. That includes $600B from Saudi Arabia, $243.5B from Qatar, and $200B from the UAE. Lockheed Martin is at the center of it all. We’re not just talking about jets and missiles. These contracts come with multi-year sustainment, logistics, and training deals. These are recurring, high-margin revenue that stretches for years. So far in 2025, Lockheed secured confirmed deals totaling at least $3.75 billion including F-15 sustainment, THAAD upgrades, PAC-3 interceptors, and more. And that’s just the start. Based on current negotiations, there’s up to $90 billion in future contracts on the table. $90 Billion in Expected Future Deals‍ Based on ongoing negotiations tied to Trump’s newly signed defense agreements, Lockheed Martin is projected to secure:‍ $50 billion from Saudi Arabia $25 billion from the UAE $15 billion from Qatar Even if a fraction of that hits, it could mean billions in long-term profit and serious upside to the stock. Yet the market hasn’t fully priced it in. LMT stock is quietly compounding returns with steady contracts and a 2.8% dividend yield to match. Is now a good time to jump into $LMT? Thoughts for long term? submitted by /u/Icy_Abbreviations167 [link] [comments]

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]

Hi all 👋 I'm into machine learning, and I understand this is likely if not definitely impossible, but I was hoping for some insight into the following hypothetical problem that's been on my mind recently. Thx! Hypothetical Question: Let's say I create a perfect machine learning model that can always predict a certain company's stock based on the history of that stock's value. However, my model can only function up until the point where it itself influences the stock price to a non-negligible degree. What percentage of the stock would I have to own to break my model? submitted by /u/Dependent_Falcon_405 [link] [comments]

My friend showed me his portfolio and he started at 1k to 5k in just 3 weeks after doing two IPOs. He sold after a couple of hours. And no I don’t plan to hold the IPOs rather sell when they go up. This assumes you have a good exit strategy. He went all in on both IPOs. This includes AIRO (today) and CRCL (week ago). I wonder, if most IPOs go up after offering then that has to be a good Strat if you find the right company? This is assuming your shares allocate. submitted by /u/1d0ntknowwhattoput [link] [comments]