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

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😭?

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?

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?

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

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, 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.

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

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 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.