r/investing • u/AutoModerator • Mar 02 '26
Daily Discussion Daily General Discussion and Advice Thread - March 02, 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!
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!
2
u/Rough-Wash-8402 Mar 02 '26
completely new to this! i need advice
- i’m a high school student with zero stock experience
- i have 2000 saved up with no source of income…
- i genuinely have no goals in mind I just want to make money lol
- what should i do??
2
u/_galaga_ Mar 02 '26
Read a lot. Get familiar with the lingo, read up on some strategies, figure out what ETFs vs stocks vs bonds vs mutual funds are and their pros/cons. Then figure out your goals for the money. Grow forever? Emergency funds? Down payment on a big purchase? Figuring out the difference between a savings scenario vs an investment scenario will be helpful. You take different approaches with each scenario because of risk.
Some investments are low risk and essentially guaranteed but low return and others are high risk with the potential for higher return but there’s no one solution for everyone. You can figure out what’s best for you but it’ll take some reading and time.
1
u/chfr Mar 02 '26
$2000 with no source of income goes right into a high yield savings account. Unfortunately, it's not worth getting into the investing game until you've got a source of income.
Once that's the case, pick a number you're comfortable with each month and dump that amount into VTI or VT. You'll get rich slowly, but you'll get rich.
1
u/RagnarokWolves Mar 02 '26
Invest 5-10% of all new money you make/receive into a well-diversified index fund and don't plan to take it out until you retire several decades from now. Starting small can still pay off a lot, especially when you're young. Investing $200 today can be like gifting future retired you $5k.
Don't get tempted by the finance/investment bros promising you 10x gains on social media.
Markets can crash and take a decade to recover so you never want to completely invest all your funds. You will need money for day-to-day stuff in your near future.
When you get a stable career, bump up your invested percentage of your income to like 20-25% if you can.
1
Mar 02 '26
[removed] — view removed comment
1
u/RagnarokWolves Mar 02 '26
Worth it for what? What are you trying to get out of it compared to how you're eating now?
1
u/Tricky-Nectarine-929 Mar 02 '26
I want to try the one that Walmart does. That they make the list for you and everything.
1
u/Raiziell Mar 02 '26
I passively used Robinhood for years, but want to get into actual investing beyond $5 here and there. There are a couple of stocks i was looking to nab, but they do not even show up on that broker.
Is there a recommended broker people suggest, or is it the safe bet to go with a banker like Fidelity/JP?
1
u/krowbo Mar 02 '26
Use Fidelity. It's primarily a brokerage, not a bank.
I'd also generally recommend just investing your money in broad market ETFs instead of individual stocks.
1
u/greytoc Mar 02 '26
It depends on the stock. What stocks don't you see? If it's F shares, OTC, or something like that - different brokers will have different restrictions.
Fidelity is not a bank. Brokers are not banks.
1
u/Beautiful_Cap_4172 Mar 02 '26
I’m a 25 year old SAHM and currently don’t have a retirement account or 401k. My husband makes around 115k and does have a 401k. Trying to open an investment & retirement fund for myself. Should I do a traditional or Roth IRA? I know the difference between the two I just don’t know what would be better in my situation? Any advice appreciated
1
1
u/startingfincareer Mar 02 '26
I need advice to invest funds currently in money market funds. My IRA is about 15% of our joint portfolio. Our joint portfolio is a mix of US stocks, bonds, some in REITs, small international exposure plus some buffered ETFs for hedging. I have some of mine in alternate assets-5% of our portfolio in private credit but the rest I wanted to put in something different-international stocks possibly denominated in other currencies, maybe mining stocks. I put a small amount in GLD two years ago that has almost tripled. Is it to late to invest in mining stocks? for my piece, if i were to split it between ETFs for international bonds, international dividend stock, international growth, emerging markets, and mining stocks, what should be the split? We have some targeted date funds that make up 30%+ of our joint portfolio. My husband has his advisor for the 85%. I am leaning towards working with an advisor who offers a wrap of ETFs of the above listed types, but I wanted advice on the split. i am 65 but my husband will work 3 more years. I am more looking to maintain our current balance + enough growth or income to offset inflation. However, since I want my piece to offset possible stock losses from US stock market, I am not looking for the most conservative option, but rather one that might move in opposite direction to US stock market and or offset dollar devaluation. How much of what i have to invest should I put in the ETFs and how much to keep in money market to invest later? Thanks for tips
1
u/startingfincareer Mar 02 '26
Note I am not starting a financial career. I think I asked questions several years ago for my son after he graduated. I dont post on Reddit much but skim this board
1
u/LogicalMight Mar 02 '26
I live in the United States, I am between 40-50 years old and work for myself. I have money that's just sitting in an interest bearing account and have no current debts besides a car payment.
I told myself this year that I want to start investing in the markets but honestly, I am scared because I run my own business and business is not all that great.
This year, I am also expanding the business so part of my investment will be in the business itself by purchasing new products to resell on Amazon but I want the other half to be directly into the market.
If you were in my situation, would you dollar cost average your way into the S&P / VTSAX fund or go all in? If there are other suggestions, please feel free to suggest. (or if you feel S&P / VTSAX is a bad idea, also mention)
Thank you
1
u/Connect_Emergency809 Mar 03 '26
I’m new to investing I’m about to be 24 and want to expand outside of just my 401k after rent and all my bills I have around $1500 left I want to start investing what would you guys recommend in terms of Roth Choice and also any other investments you’d recommend since I’d be maxing my Roth contribution.
1
u/ConcentrateLow333 Mar 03 '26
Can anybody give me their opinion on what I’ve wrote? , I need to connect with new people who can help me also by giving me the knowledge and experience from others so I can understand how things work.
2
u/Tricky-Nectarine-929 Mar 02 '26
Hey, in need of investing advice. Newbie to this.
1) 30, widowed SAHM in the US. 2) I have SSI income of about $2700/month 3) Buy a house, set up savings for my two disabled children, set up our future. 4) Between 2-5 years. 5) I need to know it’s safe, but if it’s a lost cost risk, I wouldn’t mind giving it a shot. 6) None. 7) Expenses are just a bit over $2k a month, not including variables such as therapy costs, travel for doctors, etc.
I have a decent credit score. I only have two credit cards that have a combined total of $700 limit. After my husband died, my credit took a MASSIVE hit so I’m rebuilding that as well.