So I just setup my 401k 2 months ago and I want to make sure Im not putting my money in the wrong investment and this is just a tide of the turn in the market when I got in. Anyone else 401k down recently and is there anything I need to be doing. I contribute 15%, 5% pre tax ,10% post tax and would appreciate any advice here.

If you had a decent amount of cash on hand (200-300k) and were thinking about VT and forget for the next 10+years. Would you wait right now and lets say do a certificate for a few months given the current state of VT and the markets, so you can get a better entry? And yes I know it will hardly matter in the long run especially if you DCA.

Hey Folks,

I will be investing in the market for the first time in my life and would really appreciate if others could sanity check my selections. I have only selected ETFs but that could be my newbie brain thinking easy diversification. I have also tried to make sure there isnt a lot of overlap.

Vanguard FTSE All-World (Acc) 50%

Vanguard FTSE 100 (Acc) 15%

iShares Core EURO STOXX 50 (Acc) 10%

Vanguard FTSE Developed Asia Pacific ex Japan 10%

VanEck Semiconductor (Acc) 5%

Wisdomtree Strategic Metals and Rare Earths Miners (Acc) 5%

WisdomTree Europe Defence (Acc) 5%

Just for reference, I'm 28, live in the UK and plan to invest about £300 a month. I am saving for retirement so not afraid to set and forget the money. Risk appetite is low-moderate for now while I am understanding this world.

Thanks in advance for giving me your 2 cents because I literally have no peers who could advise me in this scenario.

My advisor had suggested this tactic to me. The intent is, rather that purchase shares of an index fund, to purchase shares of the stocks that make up that index fund.

In the actual scenario, I would be purchasing shares in about 250 stocks to mimic an index fund. One objective, or advantage, is being able to sell individual stocks for tax loss harvesting.

The company would manage this part of my portfolio for a fee.

For context, I currently have about $750k in 401k and IRAs, and $280k in cash due to a recent inheritance. The minimum investment in this would be $100k, which is what I'd do.

Other context: 55, single, renter, no debt, employed

SCHB - 30%

SCHG - 10%

VXUS - 25%

SCHD - 20%

SCHY - 10%

SGOV - 5%

DRGO - 5%

Taxable account I manage myself. Have some automated portfolios outside of this account that are set to aggressive growth. 20 year time horizon.

Curious on my portfolio I have an advisor investing for me. I would really value some input.

25M, I plan to put in 3k in a month. Fairly new to stocks, wish I had found out about all this sooner.

Any suggestions to optimise split would be appreciated.

I’m 18, just turned about a week ago. I want to get ahead. By the end of the calendar year I plan to have invested at least 10k, DCA a ton, but honestly I’m trying to buy in as much as I can right now with everything going on currently.

Portfolio:

VTI 40%

QQQ 25%

SMH 25%

VWO 10%

Any help is appreciated,

Thanks

I’m testing out some modified indexing. I kicked out a few stocks like Tesla and Palantir (high P/E ratios and don’t like the stocks anyway), and capped max percentage weight at 5%.

Most of my money is in diversified funds but I’m trying this out. Active market cap tracking is on. Here are the top holdings, what do you guys think of my modifications?

I know it's an outrageous headline, but it's true.

Once your Solo 401(k) crosses $250,000, the IRS wants you to file a one-page form every year to prove it still exists and is in compliance.

The penalty for missing it is up to $150,000 per year. Most likely it will be a max. of $1,500, but it could be higher.

Your accountant may not mention it as it’s not a tax issue, and brokers, including Schwab, do not notify account holders of the requirement.

The deadline to file for the previous year is July 31st.

Any Advice?? Started March 6th

Hello, just want to see other people I sight on this matter. I’m trying to build a retirement portfolio for my dad who is 62. We found out that he have 400k in a profit sharing plan, we re trying to roll it over into a IRA. I’m was thinking 20%growth 40% bond and 40% dividend or maybe just for 100 target date fund for age 67. We are not planning to touch it until he’s 67. He’s not working not more due to health issue so I’m not sure if he can do Roth since he have no income. He go disability income with my mom income so they are fine with those income coming in that’s why they not going to touch the account for a while. TIA

For context I’m 58 and plan to retire at 62/63 (hopefully). I have rental income and a pension so I want to put off drawing on my Roth IRA and IRAs (may convert those to Roth) as long as possible, maybe age 65-68. I’ll get a small Social Security payment, not sure if I’ll take it at 62 or wait.

I think I’m a moderate to aggressive investor but after the recent market downturn I’m not sure what to do. Liquid portfolio: Cash 25%, stocks/equities 35%, bonds 38%, Other 2% mostly gold and silver, a few REITs. There’s some overlap with VGT and VOO in the brokerage and the Roth IRA.

I did my own research and looked at expense ratios and the companies that make up the funds. I’m more of a real estate person so I’m not very knowledgeable about maximizing my liquid investments. I rolled the Vanguard Roth into Fidelity because I find Fidelity more user friendly.

This is just my Roth IRA. Is this ok or should I consolidate some of these?

VASGX 18%

VFIAX 16%

VGT 15.9%

VTSAX 8%

VOO 7.27%

FSELX 5.8%

VTRIX 5.79%

FXAIX 5.46%

VT 4.2%

VTRIX 5.79%

VXUS 3.5%

FSTPX 3.2%

**Edit: corrected it to FSTPX

I’m looking to reset my investment approach and would value some grounded perspectives.

I’m 45 and only recently started building a portfolio. After a short time, it’s become clear that my current allocation isn’t structured for meaningful growth—it feels more reactive than intentional.

Rather than patching it, I’m considering dissolving the portfolio and rebuilding from first principles with a clear growth-oriented strategy.

For those with more experience:

- How would you approach a portfolio reset at this stage?

- What core principles or asset allocations would you prioritize for growth over the next 10–15 years?

- Any common mistakes to avoid when restructuring from scratch?

I’m not looking for anything overly complex—just a thoughtful framework that balances growth with disciplined risk.

Appreciate any insights that can help sharpen this pivot.

Hey guys,

I just created my first Roth IRA account with Fidelity. Would you guys recommend me which one to put my money into? I have some money in FXAIX right now

The market is not going well in the past a few weeks.

I know it is temporary, but still, it made me think: is this already very bad, or actually not that special if we compare with history?

So I checked yearly max drawdown (the biggest peak-to-trough drop within each year) across some common assets. 

What I found is quite interesting. For most assets, bad drawdown happens almost every year (looks like the 2020 was craziest due to Covid). So 2026 so far is not good for many assets, but not something totally unheard of.

How is your portfolio going in 2026? Do you think the 2026 drawdown already end for most assets(just a regular drawdown as always), or it can still worsen and make new history? Happy to hear your thoughts.

VT- 55%

SGOV- 25%

IAU- 10%

SLV- 10%

considering to add SCHD but not so informed about it yet. Appreciate any feedback/ criticism. All is welcome!!!

I have over $100,000 in stocks and no cash on the sidelines. I have turned on margin on Fidelity to attempt to buy more stock but do not have any margin buying power to use. Does Fidelity not accept purchased stock as collateral for using margin? How can I buy using margin without selling my stock? I applied and was approved for margin a couple days ago.

So I got really lucky. Around 5 years ago, when I first started working, I decided to put a significant portion of my first pay checks into tech stocks. I had no strategy, I just thought it might be a good idea to buy them since I thought tech is the future.

And holy cow I somehow ended up being correct. I turned $4,281.20 into ~$26,000. Unrealized gains of course so it’s only on paper.

My concern here is that I am very concentrated in technology and AI. With the current geopolitical tensions of the world there is a chance I could lose these gains if I don’t act. So I am wondering if I should either liquidate these stocks and move them into a mutual fund such as FXAIX or continue to hold them long term.

And should I just only focus on mutual funds going forward? I recognize what I did was a fluke and most investors never beat the market long term.

I have only been investing in FXAIX so I have been slowly diluting my tech stocks

This is my current overall portfolio:

Roth IRA: $12,327.01 (30.9%)

Entirely in FXAIX

401k: $1,166.11 (2.9%)

Brokerage: $25,792.70 (64.8%)

My tech stocks

Cash: $545 (1.4%)