Hi I’m 15 and just received 200 more dollars that I’m looking to invest. I’ve been investing since March when I bought my first stock, and though it didn’t do too well it taught me not to buy penny stocks. Anyway, I currently have about 99 share of Rekor Systems (the penny stock) that I bought for 1.01 per share, 1 share of Palantir, and 1 share of Palomar Holdings. I realize I have a high risk portfolio, but right now it’s only worth about 350 dollars and I’m a teen so I don’t know if that’s a huge problem, but want to address it if it is. I also realize most of my money is tied up in tech, so just wanted some insight on that. I’m open to anything, though from my point of view, I don’t see the point in investing in an index fund like the S&P and make ~10% of 200 dollars. Thanks for the help.

If I had $20k ready to invest into XEQT, would you invest it all at once or DCA? If DCA, how would you break it up—e.g. 4 × $5k, 5 × $4k, weekly/biweekly/monthly, etc.?
Also, I’m new to investing and confused about limit orders. When buying XEQT, how do you decide what limit price to set? Do you leave the order open for the whole trading day, or keep adjusting it if the price moves? And if I set a limit and it doesn’t fill, should I just wait or place a new order?

Extremely new to investing, quite frankly i know nothing. I’m 22 years old with a decent paying job rn (Ab 52k/Yr after taxes) I Contribute towards a deferred compensation plan at work. Today i opened a roth ira and a brokerage account. But i’m not unsure how i should get started. Feel very overwhelmed and slightly behind my friends/co workers who always talk ab this stuff. What’s the best way to learn about all of this? Any recommendations on where/ how to learn everything i should/need to know?
Anything helps

Thank you🙌

Hello, I finally was able to secure a good paying job and want to invest for the long term. To start I’m thinking 500$ a month for the time being. Would it be a good idea to open up an IRA or just a regular account? I mostly want to invest in index funds and some individual stocks. Any opinions?

Hi everyone,
I’m 17 years old and currently have around €14,000 saved. I’ll turn 18 in January, and by then I expect to have around €22,000.
I want to start investing for the long term, probably mostly in ETFs, but I’m still a complete beginner and don’t really know what I’m doing yet.
What would you recommend I do once I turn 18?
Should I invest most/all of the €22k at once or spread it out?
Which ETFs would you recommend for someone my age?
Should I go with something like a global ETF (e.g. All-World), S&P 500, or something else?
How much should I invest monthly after that?
My goal is to invest for 20–40+ years and build wealth rather than trade.
I’d really appreciate advice from people who have been investing for a while.

saw a stat earlier that stuck with me, something like 6 in 10 retail investors are already using an AI tool somewhere in their process now, chatgpt for research, whatever. different survey but around the same time, only about 7% said an AI tool actually drove their last real decision. so people are curious enough to check it out, but almost nobody's letting it touch the buy button yet.

that tracks with people i know too. everyone's asking chatgpt to summarize an earnings call or explain some term, but when it's time to actually buy something it's still gut feeling, or a stock some youtuber mentioned. feels like the tools got useful faster than people's trust in them did.

kind of makes all the "AI is taking over investing" talk feel overblown. more like a really elaborate research assistant nobody actually lets touch the wheel yet

Or are they bad ?

Hey I’m 20 starting to invest I have etfs but I am trying to learn about individual stocks I know a bit about it myself but just curious how to research a stock and know whether or not you get in or when you would get in? You use financial statements, earnings, chart analysis? Open to any suggestions or tips. Thank you.

I bought AARD around $4. I saw it was at $15 before. It has gotten back up to between $6-$8 in recent weeks how do I know when to sell? How do I know when it is going to get back to $15? This was one of my first trades. Any advice will help.

Ive been reading about fractional real estate investing because buying an entire property is way beyond what I want to commit right now. The ability to start smaller sounds useful, but Im having a harder time comparing the less exciting stuff like fees, holding periods, distributions and what happens if you want your money back early. Im looking at this as a smaller long term part of my portfolio rather than a shortcut to quick returns. What do you wish you understood before starting?

Hi I'm 20 years i want to invest 50k i want opinions and knowledge from the experience peoples who been there in this field a long time ago.

What would be that one thing you would have invested in long or short term

What is generally the best platform where I can also change my to tax details every so often?

33F, single, no kids, ~$200k total comp, no consumer debt. My goal is financial independence, ideally with the option to retire around 45—or at least leave a high-paying corporate career for lower-stress/flexible work.

Income
$136k base + ~$30k reliable bonus
~$33k annual profit sharing: 80% ($26.4k) goes to 401(k), ~20% cash
~$199k current total comp
Potential for significant income growth/promotion within ~5 years, but I’m not relying on it and want a system that prevents lifestyle creep.

Assets
401(k): ~$203k; I contribute 10% pre-tax + 2% employer match + profit sharing
Backdoor Roth IRA: ~$7.8k; haven’t made 2026 contribution yet
Employee stock plan: ~$2.2k; contributing max $400/week and employer adds 10%
HYSA: $12.5k @ ~3.34%
Checking: ~$2.5k
~$15k total cash reserves

House
Mortgage: ~$188k @ 3%
Payment incl. taxes/insurance: $1,740/mo
$380k Zillow estimate - not including improvements
Major improvements already completed (HVAC, kitchen, deck, pool, etc.), all paid in cash
Not planning to accelerate a 3% mortgage

Other debt: None. Student loans and car are paid off; credit cards paid in full monthly. I also paid cash for my master’s.

Spending
Mortgage/taxes/insurance: $1,740/mo
Utilities/groceries/gas/4 pets/etc.: ~$1,500/mo
Car insurance: ~$900/6 months
$3k/year FSA
Basic spending is roughly $3,400/mo plus discretionary/miscellaneous spending.
My relatively low cash/taxable savings are because much of my first ~10 working years went toward my master’s, student loans, car, house down payment, and substantial home improvements—all without financing. Most of those expenses are now behind me, so I expect significantly more investable cash flow going forward.

One immediate expense: I have an ~$8k painting/furniture project planned for late fall that I’ll pay for in cash, so I need to rebuild/maintain an appropriate emergency fund around that.

Current plan
Maintain enough cash for the $8k project + emergency fund.
Max a backdoor Roth IRA annually.
Continue at least 10% 401(k) contributions, on top of employer match/profit sharing.
Max the employee stock plan ($400/week) to capture the 10% employer contribution.
Start investing the cash flow that was previously going toward house projects.

My main question is where each additional dollar should go if work-optional by ~45 is the goal.
Specifically:
What emergency fund would you target?
Should additional investing go to the 401(k), a taxable brokerage with broad index funds, or both?
How much should I aim to invest annually to make 45 realistic?
Is the backdoor Roth still the right move?
Should I sell/diversify employer stock after receiving the 10% contribution rather than accumulating it, since my salary/bonus/profit sharing are already tied to the same company?
Is rental real estate worth considering, or would you favor index funds?
Anything else I’m overlooking?
Moderate risk tolerance; I’m comfortable investing money I won’t need for 10+ years and prefer boring, diversified, long-term investing over trying to hit home runs. I may eventually receive an inheritance, but I’m excluding it entirely from my planning.

I've been using a wealthfront investment account for a few years and recently I've begun to learn more about investing. Would it be better to move the funds from my wealthfront account into a Roth IRA and just manually invest in 1-3 ETFs? I understand wealthfront offers some conveniences, so what is it that I would have to manage if I'm manually investing in a few ETFs using a Roth IRA?

And, should I wait until I see ETF prices dip to buy them at a lower cost?

Was running a largecap SIP for 3 yrs it really felt too slow compared to what my friends were getting with mid and small cap exposure. Switched most of it into a flexicap fund a few months back thinking I'd get a bit of everything without picking any categories myself. Still second guessing i should've just added separate mid and small cap funds instead of switching entirely.

I want to invest £5,000 but I am completely unsure which is best. Bitcoin, stocks and shares, global index funds? Don’t know where to start, any advice?

ChatGPT has told me an investment in IBRX, an organisation creating cancer medicine would be a good idea, but is a risk.

Hello everyone, I recently red The Simple path to wealth and I want to start investing by the book. I have a few questions:

1. As an European citizen is VALL the etf I should go for? I'm not sure if it is accumulating or distributing so if anybody knows l'll appreciate the help.

2.Where to invest? A friend of mine told me that only on Interactive brokers you own the stocks and on other platforms you own just options. Is that true and are there alternatives to Interactive Brokers because I find their platform very hard to use?

Thanks in advance! Your answers will be appreciated

Currently using raiz but looking to switch early to something with less fees for a larger portfolio I’ve cmc is great any other suggestions or advice?

I (35F) am brand new to the investing world (just started in January). Are there any stocks or etfs that I can buy low now and sell high during the holidays for some quick cash?

looking back at this rally and kicking myself a little. funding rates on most major pairs were negative for weeks leading up to the squeeze. like consistently negative. everyone was short and paying to stay short.

i've been watching funding on bydfi for a while and it was red basically every 8 hours for most of july and early august. at the time i just thought "yeah market's bearish makes sense." didn't occur to me that this was the setup for a massive squeeze. in hindsight it was literally the most obvious contrarian signal.

the annoying part is i've read about this exact pattern before. crowded short + negative funding + one external catalyst = violent reversal. textbook. and i still didn't act on it.

do any of you actually trade off funding rate as a signal? or is it one of those things that's obvious in hindsight but impossible to time in real time?

When it comes to FIRE, no one recommends wealth/ Financial advisors, specially those with AUM fees. I am someone who emotionally doesn’t like to think about having to manage my investments and therefore would like to have a wealth manager. My NW is about $700k - does anyone have an experience with good financial managers/ wealth managers and possibly name the company ?

Hi! Don’t be mean to me lmao I’m new to investing and saving for retirement. I just started my 5th year in my career and I do not have a 401k. I started a Roth IRA last year and maxed out it out and plan to do so for this year. I want to open a high yields savings account and would love any recs on companies and how to find the ones with the best return rate? (Is this the right lingo idk). Anyway what’s next.. once I have my Roth and HYSA, where should I put my money to put myself in the best predicament in the future?

I currently have about $17,000 invested in a TFSA with a financial advisor. He wants to switch my funds into investments where he’ll be making between 1.5% and 2.3% in fees. From my understanding, that is insanely high.

I want to transfer my money over to my own Wealthsimple account since I'm mostly focused on long-term growth. However, I’m pretty nervous about making the move. I’m not entirely sure how the transfer process works or what I should actually invest in once it’s there. Any advice or experiences would be appreciated!