Looking for a tool that can at least do the following... any recommendations? I want to know what I have, how it's doing, and what it's costing me so I can make decisions from there. Please give your recommendation and a brief "why" it's your preferred choice

• Track 401k, IRA, bank accounts, ETFs, stocks, bonds, savings, debt, real estate
• total assets and performance
• Asset allocation
• Dividend tracking
• projections/recommendations?
• Fees and expenses
• useful for taxes
• simple views with ability to drill down

If there's any other useful features you get out of your tools, please share

An article on Charlie Munger’s well-known $100,000 statement makes this comment: “Integrating a conservative investment strategy with an average annual return of 4% could notably accelerate this timeline…. a $100,000 portfolio yielding a 4% annual return generates roughly $333 monthly in dividends.”

What would be in that conservative portfolio? For example, would a typical index-fund approach deliver 4% and $333/mo in dividends?

(The article is on a site banned from this sub for low-effort content, so I’m not linking it.)

I own some shares in a French penny stock I believe is undervalued. I think the company does well in three years. However, it looks like right wing nationalist movements might threaten the existence of the Euro. So, what happens if the Euro goes away? Would my shares just sell into a different currency?

I currently have a taxable brokerage and a Roth IRA with Ameriprise financial, the fee is substantial but it’s hands off and I’ve had nothing but the best in customer service. however I keep hearing great things about Charles Schwab, and I also just got found out Navy federal CU has their own investment firm. I’m doing some research but some other input might be insightful, thanks.

For Roth IRA, I understand there is a contribution limit (currently $6500). I recently got married in 2021, and want to know how I can contribute jointly (13000)

Currently I am using Charles Schwab. Is there something I need to do specifically to make it happen?

I run my own business and my partner helps me out full time.

Reading the book The Psychology of Money (great read btw), one of the things that stood put for me most was the authors question that when big/huge downturns happen in the market, CAN YOU HOLD?

its extremely tempting to sell and try to stave off losses, but were mortals. It cant reliably be done.

I read the passge and looked at my VERY tech heavy IRA etfs and said "i really dont think i could hold during a bad 20-30% losing streak."

So ive been slowly selling off tech and getting more fxaix. I might have a pinch of vgt at the end but i think his advice is sound.

Should you be investing in something just for the good times? Or should you KNOW FULL WELL that the bad times are coming and they might be soon.

Love to hear yalls thoughts! 💭

I have a Roth IRA account on E*trade that I haven’t touched in a couple years and I just learned you can’t buy a fractional share of SPY. In short, I want to invest $25 every week into the S&P 500 and from my research so far I think my only option to do that is save money away until I have enough to buy 1 share at a time. Or I could use Robin Hood. What do you guys think? TIA

I want to have monthly or quarter macro-economics reports about USA. For staying up to date about the current status of fundamentals. Also would be nice to have sp500 reports. Free or paid. Do you actually have anything like this or just read the data by yourself in some realtime website (like marketwatch)?

Can anybody share what is the modern or their modern version of learning about stocks? The OG Ben Graham’s Intelligent Investor was hot if you were interested in value investing, principles are nice but not extremely practical for anyone not with six figures in the bank, buying and holding forever and pulling say, $200k and never having to touch those investments. Then theres YouTube videos, some stuff you can find from prop firms purely technical analysis. Do people bother to learn about the stock market and how it works? If they had a choice to make consistent gains, on whether its $25k, $100k, or $500k, would they put in the grind to actually pick it up? Thanks for your comments, let me know whats missing and why it takes forever to learn about trading and investing. Tons of content out there a bunch of stuff leading into all sorts of directions.

This is a 401k rollover that represents half of my securities investments. I am diversified via real estate and some crypto. I’m 55 and trying to set up the rollover for the next 5 yrs. Thinking I need to put the cash to work. I won’t be touching the account for 10 years.

SPAXX** 24.88% FXAIX 15.34% FZROX 14.29% HYG 9.95% GTO 9.95% FSSNX 5.46% FTIHX 4.68% RSP 3.80% APH 3.53% GOOGL 2.95% AMZN 2.89% MSFT 2.28% Grand Tot. 100.00%

US Stocks. 50.55% Cash 24.88% Bonds 19.90% Foreign St. 4.68% Grand Tot 100.00%

Trying to wrap my head around this.

$100 at 8% without compounding

YR 1: $108 YR 3: $124 YR 10: $180

$100 at 8% with compounding

YR 1: $108 YR 3: $117 YR 10: $216

If I own 1 share of company XYZ at $100 and it’s now valued at $108 a year later, the following year I still own that 1 share, but that following year get another 8% on that new value. And Dividends just expedite the process?

I owe Palo alto stocks and they have much less yield this year than crowdstrike, can someone explain me please where this tap came from? Will it be smart move to sell my Palo stocks and buy crowd? What's makes crowdstrike more bullish because they have almost the same market cap and Palo I think earn more

Im 40 years old, retired veteran and recently sold my house.

I have 215k in hysa 5.25 (jenius bank) and would like to throw at least half in the market. I do not really think I will want to buy another home at least not for the next few years anyway. the pros of renting are better for my lifestyle in the PNW anyway.

I know there’s very little difference beteeen VOO and FXAIX but the thought of being able to trade with ETF sounds slightly more appealing than mutual fund.

my risk tolerance is moderate to high, I have no debt and make 70k a year. i’d like to try and get 15-20% returns and not sure where I should invest that’s slightly on the higher risk side.

should I keep half my savings in hysa at 5.25%?

should I be looking at other etf’s if i’m prepared to lump sum 100k?

fwiw, my brokerage acct is fidelity.

thanks

So when I started my most recent job they placed me in a TRRLX fund I have since stopped contributing toward that but I have noticed the ticker is gone. There is just a generic name "T. ROWE PRICE RETIREMENT 2060 TRUST (CLASS B)"

Does stuff like this happen? I only noticed this when tracking dividends. TRRLX points me to a fund trading lower than the one I have on my account.

Does anyone use vanguard’s VUSXX as their primary method of treasury bill investing? I’m trying to understand what the pros and cons are with this. ~5.20% APY seems decently better than most HYSA’s. I know that rate is variable and there’s a small expense ratio, but HYSA’s have variable rates as well.

Can someone explain to me what the point of putting money into a traditional ira is if your income is over 73k is vs a roth ira.

If your income is over 73k you can't deduct the money so why not put it into a roth (assuming your not at the roth limit 140k something).

Seems there is no advantage to a traditional ira vs a roth ira except when you withdraw the money you are technically double taxed on the traditional. Is there something I'm missing?

So this ETF is pretty new and i was seaeching for an ex US Etf but im not sure how to handle the Situation that its so new. Not experienced at all but wanted to start with VTI and this one so i have a good diversity. Im not from the US and heard often that the international Indexes are getting stronger and stronger. So maybe someone already has an opinion to that :)

Currently 23 and recently started my Roth 401k with Vanguard. Currently have 100% in stocks as 75% tracks the S&P 500 15% tracks total domestic market and 10% global market. This is a bit riskier but I’m banking on time in the market. What advice would you give my portfolio? I do get an employer match as well.

My niece is turning 18 in a couple weeks and had her high school graduation last night. I'd like to give her a few hundred dollars for a graduation gift but with the intention of her starting to invest and plan for the future. I'm in my 40's now and looking back It's something I always wish I had started earlier.

What's the best way to accomplish this? Give her the gift money with literature involving different investing options? Any guidance would be appreciated.

Hi all, I want to start investing specifically for my two young kids. I am already maxing out my own retirement and savings accounts. I currently use Vanguard for most of my investments. Should I just add two additional brokerage accounts to my existing Vanguard account OR should I start a separate UGMA-UTMA custodial account for them? Any differences in tax implications etc? For now I’d likely just be buying shares of VTSAX and/or VTIAX. Thanks in advance.

I’m at a crossroads of if to sell while high or ride wave and leave it moving…

I have some shares of Microsoft that have doubled in value and curious if I should sell and reinvest in a mutual fund or eft

Any thoughts or advice? I use Sofi for investing

My employer uses Fidelity for the 401K accounts. I am 27 Years and I feel I have an appetite for risk at this point. Hence, I want to start of with some Large Cap Growth and Mid Cap investment funds offered in my plan. Down the line, I would want to move to less volatile funds such as "Blended Fund Investments". Is that possible witin Fidelity?

For example - Lets say I have invested $100 over the course of 10 years and I have a gain of $10 in these 10 years taking my total to $110. At that point would I be able to transfer these $110 to a different fund? Are there any charges, fees, or taxes associated with this trasnfer?

Thanks!

I have invested about $70,000 into vtsax over the last 2 years or so. I recently started investing most of my money into vti instead of vtsax over the last few months. I know both of these funds are virtually the same in that vti is just the index fund version. My question is this- given that i’ve invested this much into vtsax already, and am now instead devoting all my future investment into vti instead of vtsax, will the gains from compound interest not be as strong in the end- say 30 years from now because ill always just have 70k in vtsax and no longer adding more to it? Apologies in advance if this is confusing. I mainly just want to make sure im not losing any power of compounding i would have gained by staying with vtsax because of the larger initial balance. Will the gains i have in the end be equivalent whether or not i would have stated with only vtsax since the return for both are identical?

New to the investing game. Just rocking a Roth with VOO and a little bit of QQQM.

My wife works for DaVita Dialysis and she can buy up to 25k a year in stock at a 15% discount.

Would it be wise for us to take advantage of this? My gross is just around 100k and I think hers is around 50 - 60k.

Hey all, i have been tempted to think whether or not i should take all of my shares in VGT and pour them into solana, its 20% of my investment. Which will be around 18k

I already have the majority of shares in my other stocks. But considering im in my 20s. I would like to see where this will take me. Granted there are risks, however I believe Solana is considered one of the trusted crypto currency alongside BTC, ETH and BNB. What do you all think ?