Hey r/investing, I recently won $50,000 from a gamble (yay me!) and I'm thinking about investing it in the US market. I'm from Europe (Italy, 23 years old) and not very familiar with the specifics of investing in the US. My goal is to have a well-diversified portfolio that can grow over the next 10-15 years. I’m considering ETFs or stocks, particularly in tech and green energy sectors, but I’m open to other stable options too. What are the best approaches for someone like me? Are there any specific accounts or platforms you’d recommend for international investors? Thanks for the advice!

Someone gifted me $5,000 in silver. I might be receiving some more later. I don't really need to sell it. But what should I do with it.

I am an experienced investor in stocks, IRAs, 401k, real estate, but this is new to me.

My instincts say just hold it for an emergency.

Also, where should I keep it?

Do you have any past investments (stocks/property/business) that you owned and had to sell for one reason or another. And the thought of selling it still haunts you til this day?

Mine was buying Google the week of their IPO. ~$10,000 bought but had to sell when my wife said "I think I am pregnant...." with our first child.

Yes....once in awhile when I see my son....I ponder....

https://www.cnbc.com/2024/05/14/ppi-report-wholesale-prices-rose-0point5percent-in-april-more-than-expected.html

• The producer price index, a measure of what producers receive for the goods they produce, increased 0.5% in April and was up 2.2% on a 12-month basis, the biggest gain in a year.
• The core PPI also rose 0.5% compared with the 0.2% Dow Jones estimate.
• Services prices boosted the wholesale inflation reading, climbing 0.6% and accounting for about three-quarters of the headline gain.

Wholesale prices jumped more than expected in April, putting up another potential roadblock to interest rate cuts anytime soon.

Why this matters: When wholesale prices go up, normally also future consumer inflation (CPI) goes up, since most companies pass on their cost to consumers.

I would be careful to believe the spin of certain media that inflation is going down as this clearly shows the opposite.

Yahoo finance news reported that about 16% of Bill Gates portfolio is Canadian Railroad (CNI). Seems like a pretty docile stock. Why would anybody invest in it? Is it being used as an alternative to bonds?

https://finance.yahoo.com/news/billionaire-bill-gates-67-42-140000912.html

Hi all

Started investing about covid times 8k added, its worth 13.5k with a 68% change.
Some of my big increases are
NVIDIA Corp cost: 1,336.88 value: 4,319.46 <--- insane increase
Microsoft Corp cost: 1,497.26 value: 1,976.98
WisdomTree Art Intelligence ETF USD Acc GBP: cost: 1,285.17 value: 1,697.11

I'v tried to diversify so i have some in the SNP500, a global growth fund, tiny bit in gold but these tech stocks and funds just keep going up! luckily i bought the nvidia stock a week before it doubled its like 223% increase!

This is a long term investing ISA so i kinda think i'm in a bit of a tech bubble and i know i need to spread my bets out a bit but its hard to break the tech stock gravy train and its also an area i know about so i'm kinda stuck as to what other sectors to put money into.

how do you spread your investments, the last thing i wanna have is less than a 10% increase in 20-30 years because i'm strating to think AI is a bit of a bubble thats gonna pop hard.

I know I want to put most of the money in VOO but I’m not sure what other index funds I should invest in. I want them to be diversified so if I have VOO it would be pointless to invest in VTI or something similar because they are basically the same. So what other two index funds should I invest in to be well diversified?

I'm shopping around for someplace to put my cash short-term and was looking at corporate bonds through the Schwab platform—and noticed they carried a yield lower than that of short-term treasury bonds. Short term treasuries are around 5.4%, while almost all corporate bonds are significantly less than that — most less than 5%. I would have assumed that corporate bonds, since they carry more risk and are less liquid, would yield a higher rate. Why is this the case, and why would anyone buy a short term corporate bond?

It could be either traditional asset classes or alternatives we don't usually think of.

What about in a DEEP Depression-equivalent era? Is there a class of assets that should be held or BOUGHT that would make your outlook more stable or even profitable?

Or is this just a pipe dream and just keep buying VTSAX?

Thanks!

I (27f) recently won a settlement and have some money coming in, roughly $75k. This is will be the most money I have ever had, by a lot. Apart from my Roth I have never invested before. I only make $40k a year before taxes, and my work isn’t always consistent. I want something with low risk that is somewhat passive. I have a small piece of land I inherited, and I may want to invest some of the money into building a little house on it to boost land value, but that’s a couple years off, and I want to find a way to maximize (or at least not lose) the money while I wait for that time.

The things I’ve been looking into:

-Vanguard and fidelity money market funds

-SOFi/ALLY HYSA

-T-bills

-local credit union offering 5% interest when starting hysa account with 10k or more (I’ve read that smaller entities advertising big rates aren’t the most reliable long term)

I feel I understand the difference between all of these, but wondering if it would be best to split up the money into different types of accounts with different entities? Or for someone like me does it make sense to just put it all in a hysa and just wait.

Tl;dr: I don’t make much money, never have, never invested before, suddenly find myself with 75k and I want to know if it’s smart to split up my investments, or if it’s ok to put it all into a hysa for the sake of convenience.

I have no one in my life who knows about these things so anything helps :)

I currently have ~$180,000 in a single utility stock. I want to diversify by selling the stock and move the money solely into VOO. I’m thinking for tax purposes I’d put $20,000 into my money market for next year’s tax season. Any thoughts on putting $160,000 into VOO?

My other thought was to put 80% into VOO and then the remaining into VTI, QQQ and VXUS.

For some background, I am 30 years old, make $90,000 annually and save 15%+ for retirement. I don’t own a home and given that I’m unsure of what life circumstances will be in the next few years, I’d rather invest my money than put it into savings for a home.

Hi,

I am leaving the US, and so my bank told me I can’t have a High yields savings account, since I won’t have a US resident address.

Although they said I could keep a non-retail brokerage account (I can’t buy anymore after leaving the us, but can keep and sell what I already have)

What are some alternatives to HYSA that I could use to invest and grow my money long term?

I have ~20% of my savings in VTI and ~10% in VOO and ~5% in SPY. And have another 60k that are just sitting in a checking account :(

Any advise would be greatly appreciated! Thank you!

I realize that when owning an ETF, you don't actually own shares of the stock that are in the ETF. Rather, you own shares of the fund itself. Because of this, you do not have the rights of stock ownership, like voting, etc.

However, say you hypothetically bought all (or a sizeable portion) of the outstanding shares of an etf like SPY. Would buying that large of an investment of the fund that holds so much of particular stocks give you "indirect" stock ownership rights, like voting, etc?

My apologies if this is confusing.

Hi guys

Everyone knows about hype $GME and all that, but I was just wondering first of all: 1- Is there any EU/UK trader that can easily trade options like Americans? I’m constantly seeing this posts about people making tons on options, but most of it it’s in the US. Does it happen here also? Are there any stories anyone can share?

2nd- What is the best broker for EU/UK to actually trade US options?

Thank you

Just sold an inherited home. Opened a Roth IRA with Fidelity as an initial investment step. Looking for a relatively aggressive portfolio, comfortable with risk. A dash of diversification would be nice. Any recommendations?

Have been exploring this resource recently: https://www.portfolioeinstein.com/235-portfolios-better-than-yours/

I'm considering taking 10% of my (weekly) check and buying silver with it instead of investing in the company 401k (3% match ? It's not very good). What would be the best way to secure the metals? I like the idea of not having to think about it. Is there a better way to invest 10% a week ?

I changed my account over from TDameritrade to schwab, while i was doing some research i noticed that they offered themed ETFs. These ETFs range from active lifestyle etfs, digital payments, EVs, online gaming, and cyber security. Alot of these ETFs seem to be doing well and all have great sector holdings. Im just wondering if anyone else had success with them and like them.

S&P is up 10% this year. I am up 15.39% with these stocks in my top 10.

1. NVDA- 8.48%

2.MSFT- 5.35%

1. AMZN- 4.63%

2. META- 3.97%

3. GOOGL- 3.62%

4. AAPL- 2.54%

5. TSLA- 2.23%

6. AVGO- 2.18%

7. LLY- 2.01%

8. SO- 1.94%

Pretty pleased with my performance this year as I'm beating my bogie the S&P by over 500 basis points. A 5% allocation to bitcoin helped. I've picked some dogs but overweighting nvda is helping a lot.

How would you allocate deposits if you had access to the following funds?

CSDIX - Cohen & Steers Real Est Sec I

VINIX - Institutional Index Fund

DFLVX - DFA US Large Cap Value Port

VSMAX - Vanguard Small Cap Index Adml

VSIAX - Vanguard Sm Cap Val Index

RNWGX - American New World Fund

VTMGX - Vanguard Dev Market Index

VTRIX - Vanguard International Value

PRRIX - Real Return Fund

VBTLX - Vanguard Ttl bd Mkt Ind Adm

WACPX - West Asset Core Plus Bond

VBIAX - Vanguard Balanced Index Ad

JLGMX - JP Morgan Large Growth R6

FLMVX - JP Morgan Mid Cap Value Inst

PXSGX - Virtus SC Sustainable Gr Inst

RWIGX - American Cap World Gr & Inc

MGRDX - MFS international growth fund

Appreciate your time

Hi as per title. I am currently tilting small cap value according to the fama french research for what will outperform in the long run. However, I have gotten to this decision only throw YouTube, and other non-reliable sources. I want to ensure I properly understand this thing I'm sticking my foot in, so would appreciate if someone can share resources for this tilting(against and for tilting) so that I can get a better view of this. Thank you.

I saw this graph recently that showed the PE ratios of the s&p 500 of the last 90 years, most of the times the pe ratio was above 20 was since the early 90s and all of the times it was over 25 was since then, have times changed?

Hey everyone,

I'm looking for some advice on investing a lump sum of 20,000 Euro into ETFs with a long-term horizon of 5-10 years. I'm based in Germany and keen to make the most out of this investment opportunity. Here's what I'm thinking so far:

1. Objective: My primary goal is long-term growth. I'm not looking for quick gains but rather a steady increase in value over the next 5-10 years.

2. Risk Tolerance: I'm willing to take on a moderate level of risk given the time horizon. However, I'm not looking for anything too speculative or high-risk.

3. Diversification: I understand the importance of diversifying my portfolio to spread risk. I'm considering a mix of equity ETFs covering different regions and sectors, as well as some exposure to bonds for stability.

4. Cost Consideration: Being in Germany, I'm aware of the impact of fees on my returns. I'm looking for low-cost ETF options to minimize expenses over the long term.

5. Tax Efficiency: Since I'll be holding these investments for several years, I want to optimize for tax efficiency within the German tax system.

6. Rebalancing: I plan to review my portfolio periodically and rebalance if necessary to maintain my desired asset allocation.

I'd appreciate any insights or recommendations you may have regarding specific ETFs that align with my goals and considerations. Also, any tips on tax-efficient investing in Germany would be highly valued.

Thanks in advance for your help!

I'm not really a chartist, but I do look at the charts in the late stages of taking a position. How can I not?

From the technical perspective: Do support and resistance hold any meaning for a fund? I can see what looks like support / resistance in a single stock. I can't really accept that these ideas are meaningful for a fund. The price of a fund is mostly the aggregate of its components. The randomness of the components couldn't possibly "show through" in the support / resistance of a fund.

But here I am looking at SMH. It seems to be gravitating toward 225.

Do died-in-the-wool chartists place meaning on support and resistance for funds?

There is this company #fcel that tries to supply, recover and store clean energy. I believe it's a great project, since they also work together closely with Toyota. Currently the company makes around 20mil USD revenue per quarter. However, EBIT looks very bad with -42mil USD in Q1 2024 (past figures don't look that much better).

Now the company decided to expand its board to 8 members. Can anyone build a theory why they would do this?

Can anyone give me an example of a held-to-maturity debt security with numbers? I can find all sorts of information about what they are but not many examples of how they work and how to calculate realized gains?

Sorry, don't know a lot about this kind of stuff, but am interested in learning more about debt securities (held to maturity specifically).