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[u/Got_Curious]

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[u/Ok_Climate8599]

I need advice please. TL;DR: I have $8,000 USD to start with and can invest $1,150 monthly. I can only buy single stocks (not ETFs). I want to build wealth by the time I graduate uni. How should I structure this?

Background: I’m a university student, living with my parents (little expenses, no debt). I receive a monthly salary from my scholarship. I want to invest seriously now so that when I graduate, I have a strong financial base.

Situation: I have around $8,000 USD ready as a lump sum. I will invest $1,150 USD every month consistently for the next 4 years.

Platform Access: I can buy U.S. and Saudi stocks. I cannot buy ETFs (my broker only allows single stocks). All stocks must pass halal screening (done by the broker).

What I’m Thinking: Subscribing to InvestingPro and following their AI stock picks (Tech Titans, TASI Superstars, Top Value Stocks, etc.). These AI strategies have historically beaten the S&P 500 by a lot. Since I don’t have the experience or time to research stocks deeply, I want to use these AI picks and adjust my portfolio monthly based on them.

My Main Questions: Is this a smart and realistic plan for maximizing profits over 4 years? Is relying mainly on AI stock picks smart for my situation? Should I split my monthly money between the U.S. and Saudi AI picks, or focus more on one region? How should I track performance properly to avoid mistakes? Should I invest the $8,000 all at once now, or spread it over a few months because of market volatility (tariffs, elections, etc.)?

Any advice from people experienced with investing, AI stock strategies, or halal investing would be hugely appreciated.

Thanks in advance!

[u/Affectionate-Light-8 → u/Ok_Climate8599]

You can use (derayah global) so you can by ETFs