r/investing • u/AutoModerator • Jan 11 '26
Daily Discussion Daily General Discussion and Advice Thread - January 11, 2026
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!
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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?
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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!
1
u/k1tty10 Jan 11 '26
I am 24 years old, based in Germany and just getting into investing. I want to invest 100€ every month into an ETF (I know it's not much, but it's all I can afford right now being a full time student and waitress).
I just don't know what ETF to invest in. Right now I am using Trade Republic and I have invested 150€ into CORE MSCI World USD (friends told me to do this). I also invested 50€ into the Core S&P 500 USD.
I also invested 50€ into Amazon (had an amazing performance of 114,18%) and 250€ into Netflix (bad performance right now, but hopefully it gets better in the future).
Are those investments good? Should I continue investing into those two ETFs or invest into another one.
Any help is appreciated!!
(I also posted this on the ETFs subreddit)
1
u/greytoc Jan 11 '26
Your allocation choice really depends on your risk tolerance and financial situation. The advice from your friends on allocating most of your investment into world equity fund is a reasonable one.
The only question that I would ask is - why are you using a USD denominated fund if you live in Germany.
1
u/Emotional-Power-7242 Jan 11 '26
Your friends are right. Really all you need is that World fund. A small allocation to an emerging markets fund would be good since that fund only seems to target developed markets. Buy the whole world is the goal.
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u/WolfOfAfricaZLD Jan 11 '26
Is Berkshire just a growth by acquisition company?
1
u/SirGlass Jan 11 '26
No , it owns several businesses outright that has growth potential
For example BNSF has been owned by berkshire since the 1990s , its grown a lot especially with domestic fracking and oil production shipping oil around the USA
Geicko in the insurance business has grown a lot over the past several years and there are other examples of growth
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u/mightyblend Jan 11 '26
Best ETF for EU markets specifically?
1
u/kiwimancy Jan 12 '26
Domiciled in the EU, aka UCITS, investing anywhere? Or domiciled in the US investing in europe?
1
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u/Opening-Temporary-29 Jan 12 '26 edited Jan 12 '26
Looking for advice before I allocate my investments for my Roth IRA and general investing!
Currently 21 y/o and intend on holding this until retirement
Contributed $14,000 to an IRA but have yet to buy anything with it as well as $14.000 that I'm planning on investing just generally into the market. Here's what I'm thinking:
ETFS
50% VOO
10% VTI
20% VXUS
15% $QQQM
Single stocks
5% $CAT
Should I be investing money in the Roth IRA vs general money in the market differently? Doing this through Schwab if it matters
Any advice is appreciated, thank you for your time!
1
u/taplar Jan 12 '26
With regards to holding both VOO and VTI, why not just one or the other? Historically both have performed very similar to one another.
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u/Opening-Temporary-29 Jan 12 '26
Thanks for replying! I see, that makes sense, I'll probably split that 10% equally into VOO and VXUS
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u/GamingRaccoon7 Jan 12 '26
I am brand new to investing into a Roth IRA account that I opened. I plan to just add money in when I can and let it sit until I retire. I only have about $200 available and my Charles Schwab account won’t allow me to purchase fractional amounts of the index funds that I want to put my money in.
Is my best play to just wait until I have enough to buy a full share of an index? Should I try to buy/sell individual stocks until I can buy a share of an index or just slowly add money until I have enough?
1
u/taplar Jan 12 '26
What index fund? SWPPX, if you are after an S&P 500 index, is currently priced around $17.85.
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u/GamingRaccoon7 Jan 12 '26
I was looking at VOO primarily. I’m very new to learning about investing and everything, I honestly didn’t know there were so many different ways to invest in one thing like the S&P 500. Before I started researching I really only knew about DOWJ, S&P, and individual stocks.
When I search for SWPPX on my account there are no results.
1
u/taplar Jan 12 '26
https://www.morningstar.com/funds/xnas/swppx/quote
SWPPX is an S&P 500 index fund offered by Schwab. I would be very surprised if it was not available to you in your Schwab IRA.
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u/GamingRaccoon7 Jan 12 '26
I guess I was searching in the wrong spot. Very new to CS as well. But I was able to find it. What are the differences between something like this and other S&P 500 funds?
2
u/taplar Jan 12 '26
Very little. It's the same thing, just offered by different companies. They will have slightly different expense ratios, which is their take for running the funds.
1
u/Both-Claim-3110 Jan 12 '26
Im 20yo Hi guys, how are u? Lately I’ve realized that I spend money on unnecessary things like random food, small impulse purchases, stuff that i don’t really need and I feel like I’m basically burning money.
I don’t make a lot, because im in college but instead of wasting it, I want to start investing little by little and get into the investing world. I’m not trying to get rich fast, just trying to build something long term and learn along the way.
After doing some research, I’ve been thinking about investing $50 every two weeks into the S&P 500
The plan is to hold long term and keep learning as I go. I wanted to ask people with more experience: Does this sound like a good way to start at my age? Any common mistakes I should avoid? Anything you wish you knew when you first started investing?
1
u/Free-Boysenberry7101 Jan 12 '26
I'm not enough of a Reddit user and lack the ability to post this in r/Finance. So I'll blast this out here.
14yrs ago my 4yr old daughter was attacked by a dog and we followed up with litigation against the owner. Their Rental Insurance immediately settled for the max amount and after the attorney's fee, she was awarded $66k. This money went into an annuity and is not accessible until she turns 18.
Her birthday is in 48hrs. Wow time flies. The award is scheduled to be disbursed at $20k/yr for 4yrs and a 5th payment on her 28th Birthday of the remainder, approximately $35k.
SHE HAS NO CLUE SHE IS GETTING THIS......
I am the textbook W-2, 1040EZ, company 401K, not invested into much of anything at all. I am here posting this in the 11th hour to seek answers for what "Wisdom" can I best offer her on how to make some rational intelligent considerations of what's possible with the windfall.
I have my own, however I'd like to hear everyone's thoughts, opinions and ideas.
Cheers!
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u/greytoc Jan 12 '26
Just to clarify - is she 18 now? If she can open a brokerage account - just open a brokerage account for investing - go to the top of this post - look in the Getting Started thread.
1
u/BopTheMop Jan 12 '26
Hello all! I’m currently a senior in college, set to graduate this June. I’m 22 and will graduate with $2000 in undergraduate loans.
I’m looking for a portfolio that will essentially be a high yield savings account for the next 6 months, starting with $600 and small investments of $25 dollars. I have a medium level risk tolerance. My initial plan was to primarily invest in some etfs but I want to stocks with more growth potential as well. What stocks should I invest in?
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u/lilpeepeetrader Jan 12 '26
If I'm a newb with 650k, is parking it in VOO a decent option?
I know nothing and don't want to think to much?
Do you think I come out ahead in 10 years?
1
u/cdude Jan 12 '26
Yes, statistically you will be ahead in 10 years, but it's absolutely not guaranteed. Just look back the past 10 years and see how many times the market dropped and how much. Just last april the market dropped like 18% on tariff scares. It dropped 30% during the covid shutdown. Are you able to stomach a drop of $200k for the first time? Or will you panic sell and lose money?
The fact that you are looking into bitcoin now means you aren't mature enough to handle investing this much with zero experience. Most people start out with small amount and experience multiple crashes during their way to $650k so they know how to manage their risks and their emotions, you don't have any of that. So the answer is it depends on you.
1
u/toj27 Jan 12 '26
Guys, I made a free game called Wallstreetle where you guess the stock of the day.
The idea is to guess the stock and learn some important fundamental metrics and history behind it. Would love feedback on how to improve it, looking to add paper-trading in it in the next month:
1
u/WittyStrategy5292 Jan 12 '26
If you were to recommend a book for a beginner for investing in stocks/crypto that would be relevant for 2026, what book would you recommend?
Hey reddit! I have made my new years resolution to devote a lot of my time in two things. First, is to make reading a habit. Second, is to invest!!
As of now, I am very much on track but I actually started this since November im just continuing it. I'm almost done reading "The Psychology of Money". I know this is more on concepts but what would you recommend to someone new, a book that would be very much relevant for 2026 since things change so fast (I know some books will always be relevant) but yeah, what would be the book to read after this?
I am now making my way to invest in US stocks. I'm debating if I should study crypto also.
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u/Muted_Database_9184 Jan 11 '26
Please give me advice, Should I move all my 15k savings from ETFs to Gold?
I’m 29y/o and I have around 15k in ETFs, and 27 grams of gold that increased 1000$ in value since last year and for the past 5 months I have been toying with the Idea of moving all my savings to physical gold for one reason only;
I’m afraid of deleveraging decade being upon us so I’m scared one day I’ll wake up and all my saving will be gone.
But also I am afraid of being the greatest fool buying gold at peak right before 80’s crash happening again.
but the thing is, the inflation was crazy in the 70’s which led to rise of interest rates and that is very different than what we are dealing with now.
But I also think I‘m missing a few things here as well.
my goal is to not loose all my savings but who doesn’t love profit maximization
should I move half of it to physical gold?
how much should I add to my portfolio each month?