I don’t really need detailed expense categories or to know that I spent $147 on restaurants last month. Looking for something that track:

• cash and bank accounts
• stocks/ETFs
• crypto
• property
• private investments
• debts/liabilities
• overall net worth

Ideally it would also give me some useful portfolio analysis like allocation, concentration, performance, maybe some guidance around whether I’m too exposed to one asset/class.

Is there anything good that’s more focused on managing your overall balance sheet and investments rather than tracking every coffee?

I have a stocks ISA, and I was going to add my £2000 to Vanguard FTSE All-World UCITS ETF (VWRP), and from there invest £50-£100 a month, until I earn more, but consistently be adding to it every month. Is this a good idea?

Lululemon dropped 17.4% to $100.61 last Friday, hitting its lowest level in around 8 years with its year-to-date decline hitting roughly 52%. The selloff isn't just tied to stronger U.S. jobs data pushing rate hike expectations higher; weakening North American sales, another full-year guidance cut, and cooling international growth are dragging it down too. Even contrarian investor Michael Burry has turned cautious on the stock. Is this a deep value buying opportunity, or a classic trap waiting to catch dip buyers?

Hello everyone, I am a student in 1st year and I can save upto 500rs everymonth

I think investing in gold would be better option

So can you guys tell me where to save gold online?

I am very new to investing

Or my thinking is limited? Is there are any other options in which I can invest?

Apps like groww etc

Lowkey. I am 22M (if you want the info or not) and I’m stuck with all these investment advice. I know for a fact with all the Student loans (it will be 22k when I finish undergrad) and the countless of YouTube videos. I literally am confused with investments. What I can gather is that investing in ETFs is a good call on minimal risk (everything is a risk… I think). But I be lying if I say I cannot tell how to even start.

So how do you even start man😭?

Hi, small service business owner here.

I've heard a lot about investments but never actually thought about it until recently. I'm fully aware of the pros and cons, have seen and heard many horror stories. Basically want to build myself a long term plan (15-20 yrs) and a short plan (3-5 yrs). Already signed up to Fidelity ($1000) and Robinhood ($500) and planning on making monthly payments to Fidelity as well.

What would be the best first "safe" step?
Where can I follow about the latest word?

If anyone can share their current/past experiences it'd be very helpfull as well.

TIA

24yo looking for advice! IRA and Brokerage, also posted in r/investing

Hi everybody! I use Fidelity and have a Rollover IRA from my last job and an Individual Brokerage. I am lucky enough to live with my parents who basically pay for everything for me. I want to focus on financial growth while I'm in this position. Please recognize, this is just HYPOTHETICAL:

I'm thinking of readjusting my IRA to hold:
65% FSKAX
20% FZILX
15% FISVX
putting in $625 monthly to guarantee maxing.

for my Brokerage:
55% FSKAX
20% VXUS
10% AVUV
7% QQQM
5% FDEM
2% SMH
planning on $250-$500 monthly.

Yes, the Brokerage is extremely tech heavy and I realize extremely volatile! however, considering my growth horizon, i am not afraid of risk. I do plan to rebalance often and make this mix prettier by favoring FSKAX, QQQM, VXUS and a touch of AVUV in maybe 10-15 years. I don't mind managing a non-Boglehead portfolio, and will get closer to that when I'm much closer to retirement.

How does this sound? Am i a nutcase going to lose more than I put in? be brutal!

Hi All,

One of my close college friends have started a tech startup with some folks. They are currently doing a Friends and Family round of investment. He is very brilliant, likeable and personally trustworthy.

I am not savvy with finances and on my journey. As of now all I know is that they will be doing a SAFE. Outside of that I have a call in a few days where I can ask questions and he plans to discuss the startup.

1. What should I know or inquire from him regarding the startup, and good streamlined questions that will help me make a proper decision?

2. What are things that could be potential red flags that I should keep an eye for?

3. How to structure the conversation so I can have a productive call with him.

All advice welcome.

I’m trying to build a long term investment portfolio and would love to hear how others are approaching it. Do you prefer index funds, mutual funds, or individual stocks? Also, which sectors or stocks do you think have good long term potential? Looking for genuine opinions and experiences rather than hype.

Good morning

I'm a relatively new investor and I know there are some seasoned veterans in here to help us noobs.

I'm 45 and only recently started investing(I know it's late but better late than never)

I'm trying to understand the capitol gains taxes.

Is it 0% for married couples with an combined income under 98,900? Our combined pay currently is way under that as my spouse only works part time.

So if I sold stocks in my taxable brokerage next year (after holding them for a year) I would pay 0 in capital gains tax? That doesn't seem right to me. I feel like I'm missing something.

EDIT: I should add my taxable brokerage hass around $1200 in holdings in it as I only just started (I have a Roth IRA fully funded and invested in)

Just a quick question, guys. QQQM is much more cheaper than QQQ but I already have QQQ. should I transfer all my money from QQQ to QQQM instead? long term wise.

I’m a student and I’ve spent a lot of time learning about investing and personal finance. One thing that surprised me is how little of this stuff is actually explained to teenagers and young adults.

You hear things like:

• “Start investing early.”
• “Take advantage of compound interest.”
• “Open a Roth IRA.”
• “Buy index funds.”
• “Build credit.”

But when you're actually starting, none of that really explains what you're supposed to do or why.

That’s why I started building Boudjelti Capital, a free financial education website where I write about investing, personal finance, and money topics in a way that's easier for beginners to understand.

I also built Mabda: Your Journey, a free finance-learning app designed for students. It includes bite-sized lessons, an AI finance coach, investing tools, financial habit tracking, and a personalized career roadmap.

I'm still developing both, so I'm especially interested in hearing from other students:

What financial topic do you wish someone had actually taught you in high school?

Budgeting? Investing? Taxes? Credit cards? College finances? Something else?

If anyone wants to check them out:

🌐 Boudjelti Capital: https://boudjelticapital.com

📱 Mabda: Your Journey (App Store): https://apps.apple.com/us/app/mabda-your-journey/id6787532344

I'd genuinely appreciate feedback, especially from students. I'm trying to figure out what financial topics people actually struggle with and what would make learning about money less intimidating.

Hi all, 23M seeking the great minds of reddit for some help. I’m new to investing and recently got a higher paying job in a LCOL area so I have a lot more “left over”. I haven’t pulled the trigger in actually vesting any of the money in my accounts as I was doing research on some of the basic options.
Where I stand right now
Roth: 70% FSKAX 20% FTIHX and 10% QQQM
Brokerage: 80% FSKAX 20% FTIHX

Any and all advice is appreciated.

So i started investing over the last year. I was adding into VOO to forget it for years to come. I'm canadian, and with all these countries dumping US bonds i don't have good faith in VOO to be a sustainable investment. I recently learned about XEQT and thought about transferring it all (7k USD). I could be fear mongering to myself and over thinking so i was just looking for advice or others opinions.

Hi everyone,

I still remember getting my first paycheck and feeling like I suddenly had a lot more money than before. I didn not really think about where it should go. I paid my bills, bought a few things I wanted, and spent the rest without much planning.

At the time, I thought making more money would automatically solve most financial problems. Later, I realized that how you save, spend, and plan matters just as much.

Looking back, I wish someone had told me to build good money habits early, even if the amount was small.

I am curious what everyone else learned the hard way.

What is one money lesson you wish you had learned before your first paycheck?

I'm 22. I've been contributing to my Simple IRA and Roth IRA through my employers for a while. I took down my contribution to $9 this past pay period to handle something but my employer kept their contribution the same. I haven't logged in since I made the account though and just realized there's an annual fee and these minuses with even my own contributions? I tried finding some info online but I couldn't find anything about Simple IRAs

I’ve been thinking about this lately. If you’re investing for the long term, is there really much point in picking individual stocks instead of just sticking with broad index funds?

I get that you can potentially outperform, but you also have to spend way more time researching companies and keeping up with them.

Curious where people stand on this especially anyone who’s been investing for 5+ years.

I've been learning about US stocks and noticed some individual shares aren't cheap, while I
can only set aside a small amount each month. I've seen that a lot of brokers now support
fractional shares — buying a slice of a stock for a few dollars instead of a whole share.
For those with experience: do you use fractional shares for small, regular long-term
contributions? Or do you prefer starting with an ETF to get diversification first?
(For transparency: I work at a US-stock trading platform, mostly on user education and
community. This is just to exchange experience — not investment advice, and definitely no
promises of returns.)
#fractionalshares #investing #stocks

I just turned 21 and I want to start thinking about my future. I have money that’s just sitting in my bank. I want to start with around 1k just to learn. I want to invest in stocks as well as Bitcoin / Crypto. Should I use 2 separate Apps / Platforms for crypto and stocks? I have narrowed down apps like Coinbase and Kraken for crypto, and Fidelity for stocks. My main question is where do I start? Or what apps are the best. Not what to invest in, I’m sure I’ll figure that out myself. What info should I know and keep in mind. I’m not buying meme coins, only Layer 1 coins. Only thing I’m cautious about is giving my SSN to these different apps. I know it’s for the IRS / tax reasons but I’m just still cautious.

I’m looking for good stable 3-5 year investments. I’m saving for a house and will hopefully have enough in that time. I’m looking to invest the savings for now and let it grow while I’m still growing the down payment. What would you suggest?

I’m not looking for some lucrative investment. Just something that can net me 2-5% growth on what i invest

I watched an account called The Steady Investor, and he ran an experiment where every year he put 1k into an index fund and 1k into a stock of the highest performing company from the year before.

Overall, the 20k into index funds grew to 100k over 20 years.

The 20k into last years highest performers grew to over 300k in 20 years.

Thoughts on this? Honestly, 1k investment isnt much and I think im going to replicate it.

But if you were to do this, how much would be safe to leave in an individual stock? Like for 1k investment, once theyd hit a 10k return id feel tempted to move it. He had some accounts that grew to 80k from 1k. Like to leave it there that long would scare me so bad lol, its such an unstable situation. Tesla could be worthless in 2 years.

The spread on the riskiest corporate debt has climbed back to levels not seen since last year's liberation day tariff shock. That is the market charging its weakest borrowers a steep premium to roll over debt, which is exactly when refinancing accidents happen.

🏦 The 10-year Treasury ETF is down over both the past week and month, so this is not a quiet repricing. Bond markets are selling off and tightening financial conditions at the same time junk spreads are blowing out.

The companies most exposed are the ones that need to refinance in the next 12 months. If spreads stay here or widen further, some of them simply 𝐜𝐚𝐧𝐧𝐨𝐭 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞, and a credit event in one sector has a history of moving fast into adjacent ones.

Early 30's new to investing but better late than never I suppose. Before asking this I have browsed various guides and resources and just want to check for feedback on if there's anything inherently wrong (outside of people's personal preferences for arguing over certain funds/etc being better than others) with the current beginner plan I am looking to start with.

Opened a regular brokerage account with fidelity, planning to also open a roth (after getting fed up with trying to understand if there was anything more to traditional vs roth outside of deciding if you'd rather pay tax now or later).

1. I have already set aside some money in a HYSA (currently 3%) for emergency fund.

2. Planning to start Fxaix for US funds, and Fspsx for international, both together in a Roth.

(I understand there is a whole laundry list of mutual/index funds people have personal preferences for, just would like to know if there's anything terribly wrong with this pairing I saw recommended)

1. If i am able to max out the ira contribution each year and still have money left over and i want to keep investing (by putting all additional investment money for the year in a regular brokerage account with no contribution limit) deciding on if it's a good idea to do something like Sgov (which i believe is treasury bonds/etc?) Since i live in a state with quite high income tax.