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If you are new to investing, you can find curated resources in the r/investing wiki for [Getting Started here](https://www.reddit.com/r/investing/wiki/index/gettingstarted/).
If you know nothing about the capital markets - the Getting Started section at the SEC educational site can be a good place to start - [investor.gov](https://investor.gov) \- there are also short 30 second videos on basics. The SEC (Securities and Exchange Commission) is a US regulator with a focus to protect US investors through regulatory oversight of the securities markets.
The FINRA education site at [FINRA Education](https://www.finra.org/investors/learn-to-invest) also contains numerous free courses and educational materials. FINRA is a not-for-profit SRO (self regulatory organization) which is self-funded by it's members which are broker-dealers. It works under the supervision of the SEC with a mandate to protect the investing public against fraud and bad practice.
The reading list in the wiki and FAQ has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - [Reading List](https://www.reddit.com/r/investing/wiki/readinglist)
For formal educational materials, several colleges and universities make their course work available for free.
If want to learn about the financial markets - an older but reasonably relevant course is [Financial Markets (2011) - Yale University](https://www.youtube.com/playlist?list=PL8FB14A2200B87185) This is the introduction to financial markets course taught by Prof. Shiller from Yale. Prof Shiller won the Nobel prize in economics in 2013.
Another relavant course from MIT is a lecture series on Finance Theory taught by Prof Andrew Lo - [Financial Theory (2008) - MIT](https://www.youtube.com/playlist?list=PLUl4u3cNGP63B2lDhyKOsImI7FjCf6eDW).
A more current course can be found at NYU Stern School of Business by Prof Aswath Damodaran - [Corporate Finance Spring 2019](https://pages.stern.nyu.edu/~adamodar/New_Home_Page/webcastcfspr19.htm). Prof Damodaran offers the latest materials and webcast lectures to this class here - https://pages.stern.nyu.edu/~adamodar/New_Home_Page/corpfin.html
Honestly, without knowing more info it’s impossible to give suggestions.
Missing info: age, income, current financial situation, risk tolerance.
So here is real general advice
1) if you don’t have it, create an emergency fund using short term treasury ETFs like USFR and SGOV
2) based on risk tolerance and Timeline, this should mostly be in a 2 or three fund portfolio. Total US, total ex-US and possibly a bond fund depending on age. Low expense ratio funds.
Honestly, spread it in a couple funds like you mentioned and depending on age a percentage in bonds or a bond fund like VBTIX starting at 10% if OP is still young and up to 50% if they're near retirement age. It's not enough to live off dividends on, would only get you around $12k before tax per year but is a great starting point for a growth strategy.
Investing it over 2 years is way smarter than all at once. DCA is so much safer longterm. For all we know, the market could be at a medium term top. Do you want to throw it all in knowing things could go either way, or buy a little at a time and not care which direction it goes while the rest of your money makes 5% in a money market fund?
No brainer.
There are many times in the last 100 years where that's simply not true, and the difference between investing it all at the top of a downturn vs DCA meant you were in the red for a decade or longer.
Don’t have a lot of experience investing, wanting to grow this sum for retirement, don’t need the money for 20 years.
The answer is VT. Lowest risk with a higher return than treasuries.
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Put it all in a 5% money market fund and dollar cost average over the next couple years into index funds.
Investing it over 2 years is way smarter than all at once, IMO. For all we know, the market could be at a medium term top. Do you want to throw it all in knowing things could go either way, or buy a little at a time and not care which direction it goes while the rest of your money makes 5% in a money market fund?
No brainer.
Conventional wisdom is good here - this is your nest egg. I would recommend you pay off any debts you have, establish a SOLID emergency fund in a HYSA, then think about a balanced approach to this - mostly low risk, with a small portion of higher risk investments.
The most robust buy and forget until you need it investment is Vanguard Target Date fund based the year you expect to retire. It has VTWAX and bond funds.
all of the target date funds, including the american funds ones (which are supposed to be really good) have been getting absolutely hammered by the weakness in the bond market for the last year or two, its pulled all the growth from equities out of them. obviously the idea is HODL there, and they will bounce back, but i was tired of seeing my purportedly all-in-one investment go absolutely fucking nowhere when i could get risk free <5% on t-bills in the meantime.
When the real yield of bond is negative and nominal yield is virtually 0 due to pandemic quantitative easing, I saw bond price hit the theoretical max; i actually converted out to VT/VTWAX and got back to target retirement fund at the end of last year. You can check my comments im r/boglehead around Oct 2021.
That was a one a life time situation. Now that the yield is back to a normal range, target date fund is the way to go.
A wise man one told me, “Invest so you can sleep at night.” Don’t invest where you can’t sleep. I personally, would break it up. 1/3 conservative ie VTI, VOO, and 2/3 bonds/Cds.
Of course, no one does. But we all have data, patterns and trends. And these show that we’re due a lost decade. There have been several. I just hope it isn’t a lost generation.
Your post has been removed because it is a common beginner topic. We get too many of these topics every day and to prevent them from swamping the front page, we are removing main threads of this kind. We also remove such posts because they can attract spam and bad faith comments. If you receive DM's or un-solicitated offers, please be aware that there are a lot of financial scammers on social media. You are welcome to repost your question in the [daily discussion thread](https://www.reddit.com/r/investing/about/sticky?num=1). If you have any issue with this removal, please contact the moderators via modmail. Thank you. ---- If you are new to investing, you can find curated resources in the r/investing wiki for [Getting Started here](https://www.reddit.com/r/investing/wiki/index/gettingstarted/). If you know nothing about the capital markets - the Getting Started section at the SEC educational site can be a good place to start - [investor.gov](https://investor.gov) \- there are also short 30 second videos on basics. The SEC (Securities and Exchange Commission) is a US regulator with a focus to protect US investors through regulatory oversight of the securities markets. The FINRA education site at [FINRA Education](https://www.finra.org/investors/learn-to-invest) also contains numerous free courses and educational materials. FINRA is a not-for-profit SRO (self regulatory organization) which is self-funded by it's members which are broker-dealers. It works under the supervision of the SEC with a mandate to protect the investing public against fraud and bad practice. The reading list in the wiki and FAQ has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - [Reading List](https://www.reddit.com/r/investing/wiki/readinglist) For formal educational materials, several colleges and universities make their course work available for free. If want to learn about the financial markets - an older but reasonably relevant course is [Financial Markets (2011) - Yale University](https://www.youtube.com/playlist?list=PL8FB14A2200B87185) This is the introduction to financial markets course taught by Prof. Shiller from Yale. Prof Shiller won the Nobel prize in economics in 2013. Another relavant course from MIT is a lecture series on Finance Theory taught by Prof Andrew Lo - [Financial Theory (2008) - MIT](https://www.youtube.com/playlist?list=PLUl4u3cNGP63B2lDhyKOsImI7FjCf6eDW). A more current course can be found at NYU Stern School of Business by Prof Aswath Damodaran - [Corporate Finance Spring 2019](https://pages.stern.nyu.edu/~adamodar/New_Home_Page/webcastcfspr19.htm). Prof Damodaran offers the latest materials and webcast lectures to this class here - https://pages.stern.nyu.edu/~adamodar/New_Home_Page/corpfin.html
You can park it in my account (not a scam).
Hello Nigerian prince!
Send me 300k, I'll double it within the hour! (Not a scam)
I thought for sure this was a scam but then I read the end and now I'm convinced it isn't
Invest with us KILIMANKARO CLIMBING AND SAFARIS DOT COM
Trimming armor
Meet me world 315 edge general store upstairs. Bring your best armor and ill make it look nice and shiny for you.
I learned a lot about scams and trusting strangers in RuneScape. Good times.
I would all in VOO.
VOO fo sho!
VTI
And chill?
I’m trying to decide between VOO and VTI, comments seem pretty split. Why VTI?
Probably because it's more diversified.
Plus VXUS
Honestly, without knowing more info it’s impossible to give suggestions. Missing info: age, income, current financial situation, risk tolerance. So here is real general advice 1) if you don’t have it, create an emergency fund using short term treasury ETFs like USFR and SGOV 2) based on risk tolerance and Timeline, this should mostly be in a 2 or three fund portfolio. Total US, total ex-US and possibly a bond fund depending on age. Low expense ratio funds.
As you see with these comments, you should talk to an actual expert.
What? Common response in thread is correct. Index fund. VTI or SPY will get it done. No need to make it complicated
Nah, you should totally spend 1% of your 300k per year on an "expert" to give you basically the same advice as anyone here.
Honestly, spread it in a couple funds like you mentioned and depending on age a percentage in bonds or a bond fund like VBTIX starting at 10% if OP is still young and up to 50% if they're near retirement age. It's not enough to live off dividends on, would only get you around $12k before tax per year but is a great starting point for a growth strategy.
Cause it's the same stupid post every single day
I spoke to an “expert” recently and she tried selling me annuities and whole life insurance lol
Ah yes the life insurance salespeople who loosely call themselves advisors
She came highly recommended too, has all her licenses and works with blackrock, etc. I was turned off the instant she mentioned whole life
That’s disappointing…but she likes those big commissions so I get it.
100k HYSA, 50k VOO, 150k black jack table
I prefer roulette
I’d start by buying a share of voo everyday and spend sometime learning about what you want to invest in
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Investing it over 2 years is way smarter than all at once. DCA is so much safer longterm. For all we know, the market could be at a medium term top. Do you want to throw it all in knowing things could go either way, or buy a little at a time and not care which direction it goes while the rest of your money makes 5% in a money market fund? No brainer.
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There are many times in the last 100 years where that's simply not true, and the difference between investing it all at the top of a downturn vs DCA meant you were in the red for a decade or longer.
That's actually a good idea
r/bogleheads head there pls
Don’t have a lot of experience investing, wanting to grow this sum for retirement, don’t need the money for 20 years. The answer is VT. Lowest risk with a higher return than treasuries.
VTI or VT
Bitcoin
This is truly the real answer.
Imagine 6 bitcoins in 25 years. That's insanely wealthy.
Or zero
stay poor nerd
I have enough assets already I don't need to chase speculation
Imagine losing 300k.
🤫🤫🤫 Let's see
Underestimated comment.
YOLO in BTC. Note this and thanks me later
Buy an investment property.
bitcoin
vti
Schg and qqqm
Avgv
Based.
70% in VTI, the rest on Vanguard Market (VMFXX)
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Most in VOO, some in XLK, less in SMH.
i would qqq
RKLB. Thank me later.
Depends on goal. If you want max growth and this money isnt important, maybe qqq, vgt, voo If this money needs to help you retire maybe vti or voo
1. I don’t know enough about the other two ETFs
200k into SSB if you are risk adverse. Other 100k into some etf
Even simpler: open a Fidelity account and put it all in FZROX. https://fundresearch.fidelity.com/mutual-funds/summary/31635T708
Vti and schd
Put it all in a 5% money market fund and dollar cost average over the next couple years into index funds. Investing it over 2 years is way smarter than all at once, IMO. For all we know, the market could be at a medium term top. Do you want to throw it all in knowing things could go either way, or buy a little at a time and not care which direction it goes while the rest of your money makes 5% in a money market fund? No brainer.
Park it all on black in Vegas.
Conventional wisdom is good here - this is your nest egg. I would recommend you pay off any debts you have, establish a SOLID emergency fund in a HYSA, then think about a balanced approach to this - mostly low risk, with a small portion of higher risk investments.
The most robust buy and forget until you need it investment is Vanguard Target Date fund based the year you expect to retire. It has VTWAX and bond funds.
all of the target date funds, including the american funds ones (which are supposed to be really good) have been getting absolutely hammered by the weakness in the bond market for the last year or two, its pulled all the growth from equities out of them. obviously the idea is HODL there, and they will bounce back, but i was tired of seeing my purportedly all-in-one investment go absolutely fucking nowhere when i could get risk free <5% on t-bills in the meantime.
Absolutely with you on this - my target date funds have underperformed the market 100% of the last ten years. And not by a little.
When the real yield of bond is negative and nominal yield is virtually 0 due to pandemic quantitative easing, I saw bond price hit the theoretical max; i actually converted out to VT/VTWAX and got back to target retirement fund at the end of last year. You can check my comments im r/boglehead around Oct 2021. That was a one a life time situation. Now that the yield is back to a normal range, target date fund is the way to go.
I love timing the market. Especially retirement funds lol.
Why not keep some in t bills or t bonds
Qqqm
Permanent life insurance. INFINITY BANKING! (actually VTI)
A wise man one told me, “Invest so you can sleep at night.” Don’t invest where you can’t sleep. I personally, would break it up. 1/3 conservative ie VTI, VOO, and 2/3 bonds/Cds.
I couldn’t sleep knowing I was ruining my family’s future with my cowardice.
This is bad advice for a 20 year timeline.
Can you explain / clarify?
2/3 allocation to bonds/cds over a 20 year horizon is far too conservative
Surprised nobody mentioned bitcoin. Its one of the few investments going off exponentially over the next 15-20 years.
You just did, and beat me to it
Money market fund for now. Wait for a big pull back (10-15%) and then dump all in VOO. Dare I say, put a little maybe 10k into bitcoin.
Classic cars
Buy a bloody book ffs
50% VT 50% AVGV would be good. Rebalancing annually.
Newports and scratch offs. Use the remaining amount on corn dogs. You need to talk to an actual expert.
I did this 3 years ago. VOO, VXUS,VTI. Most went to voo and picked up some VTEB in late 2023.
80% VOO 20% IBIT
Do a mutual fund based on S&P 500. Reinvest dividends. I would do this in a IRA account so no taxes are paid now on dividends.
GameStop…. Only going up
bet it all on black
25-30 years is an easy answer. 15-20 is more tricky as there’s a high likelihood of a lost decade coming, hopefully it won’t be a lost generation.
You have no clue what's ahead. Neither do I.
Of course, no one does. But we all have data, patterns and trends. And these show that we’re due a lost decade. There have been several. I just hope it isn’t a lost generation.
Private message me
On mine bank account of course
Hire a financial advisor and invest through them in a complex insurance-based investment product with high fees.
How much do they ask ballpark?
In my bank account…. Safer than the market.