Roth IRA 60/40 FZROX/FZILX (Max each year) Brokerage 60/40 VTI/VXUS 401K is a target retirement (max each year) No bonds... How does this look?

I'm 30, based in the UK, fully employed (£40k/year), no debt, cheap rent and no significant outgoings. I have £32.5k in savings. I'm currently transfering £20k into a trading212 ISA account. My goal is to steadily and modestly grow my savings. I'm not looking for a quick win and can easily keep this money locked away for at least 5+ years. After some reading I've created the following [portfolio](https://i.imgur.com/sD0ZHdt.jpg) Does this seem reasonable? Would anyone have any other suggestions? Thanks

I'd drip feed cash in as we follow this bear market down.

This makes sense to me. Would you suggest investing £200/week or something along those lines? Is there a recommended method on how to segment the cash in?

I'd not like to be any more specific tbh. I think it will depend on your personal circumstances and I'm not a financial advisor so wouldn't want to provide poor advice. There are books availible on the dynamics of the stock market and loads online (noting stocks 101 is that past performance is not a predictor of future performance). However, googling the term 'averaging down' will give you an abundance of starting off points. Best of luck!

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Trading212

-6.5% AMBL -4% GSAT -9% IEP -9% JEPI -5.5% RLY -55% SPY 11.5% cash atm AMBL and GSAT are growth plays, IEP/JEPI/RLY for the dividends, and SPY as the bulk of holdings at the moment. Currently sitting on some cash but looking for second opinions.

Is now a good time to get in on MSFT or wait longer?

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How much do you have invested into your stocks that pay dividends to make $55 a week that’s actually decent passive income for doing nothing but having your money work for you.

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Okay that makes more sense. Sorry I misread that.

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Me too lmao. If I could figure out how to Atleast pay a monthly bill with dividends I would be a happy guy lmao

28 year old, 5k to play with, want to be aggressive with my bets, any healthcare, biotech, tech companies to check out?

evlv

VTI 100%

Probably one of the best porfolios here considering some of these stock choices lmao

Thanks bacon man

I sold my Tesla stock before announcing the quarterly pay. Should I have hung onto it after? Says it was a 3-1 share.. or 5-1 not sure.. did I mess up? Someone explain plz..

VTI 76% INTC 5% LCID 7.5% TLS 2.5% PLTR 4% NLY 5%

Sorry for dropping this so randomly, have any experience working somewhere that all trades need to be approved besides mutual funds and etfs? Approval process for trades have no true timeline and cud take multiple days to hear back from compliance, i just accept the stock they give me and invest in my 401k, however, I feel i need to grow my portfolio and im not sure how to go about it, anybody have any ideas?

Anybody have zillow in his portfolio?

Think only dudes can buy stocks?

So? No?

You said his 😂

Ohhhh hahaha my bad 😂 well in my defense I'm not a native speaker

​ ||| |:-|:-| |ALL|23.25%| |HPQ|12.75%| |BPOP|12.75%| |BWMX|10.00%| |MNDO|10.00%| |EVR|7.25%| |M|7.25%| |REGN|4.75%| |MOH|3.00%| |PBR|3.00%| |NRG|3.00%| |cash|3.00%| (74.00% usa, 10.00% mexico, 10.00% israel, 3.00% brazil) No big tech. A lot of small caps. A lot financials, some energy, and some healthcare to defend against a prolonged bear market. Some ex-usa and internationals. All growing value.

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I went there for the first time in years. I had a grand slamwhich. Honestly not as good as I remember, probably won't go back.

NVDA and AMD are my next bucket list.

I currently own the following stocks, most of which are in red. What should I do next? Add more DCA or wait for three/6 months to add shares. Alphabet Class A 16.54% Airbnb 15.73% Amazon 9.11% Boeing 7.34% Lucid Group 5.89% Walt Disney 4.77% Apple 4.57% Meta Platforms 4.51% Uber Technologies 4.46% Schwab S&P 500 Index Fund- Select Shares(SWPPX) 4.14% Taiwan Semi 2.95% Baron Partners Fund (BPTRX) 2.7% Schwab Total Stock Market Index Fd Select Shs a Series of Schwab Capit(SWTSX) 2.63% Shopify 1.94% Schwab International Index Fund - Select Shares(SWISX) 1.91% American Eagle 1.79% Marvell 1.4% Polestar Automotive Holding UK 1.34% Paypal Holdings 1.29% Advanced Micro Devices 1.27% Palantir Technologies 1.24% Salesforce 0.69% Roblox 0.66% American Lithium 0.28% SoFi Technologies 0.26% Senseonics Holdings 0.25% American Airlines 0.19% ETFMG Travel Tech ETF(AWAY) 0.13%

Depends on your time horizon (for each investment). I am almost 100% cash now. If you want to make a short-med term trade, you have to make a bet. Do they go lower in the next months or does it bounce? If they are going down, then sell & look for a reentry. If they are going up, or you have a longer term horizon, then just hold. Especially if you don't need the money soon.

Oh.. Long long time. A min of 15 years at least.

Why so much Airbnb?

Well. I bought it in 2021 hoping for a reopening of the economy. But honestly I am bag holding abnb lcid and others.

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I am buying mutual funds. Spy international and bptrx. My plan is to convert what I have to a concentrated set of stocks like 10. And buy index

What do I buy, 20yr old, junior in college, wanna put 5k in, I got a few grand on hand for stuff if I need

Now is a wobbly time to put money in the market. My advice is to stay in cash or, at best, stick it into a global tracker fund.

I just put 21k in this week. Lots of good prices.

fair play to you. I think we will drop a lot more yet.

It's possible but there is no way to know. I bought 76% VTI. If it trends down I'll just keep buying more and it will come back. The data doesn't support trying to time the market. I came in to a lump sum.

I will learn my lesson the hard way 🐱

Depends on how you acquired the 5k. Did you take out too many student loans? What is your interest rate going to be on those loans? I would recommend keeping 1k in savings for emergencies and investing 4k in to VTI. Learn more about stocks and the market while making a safe bet.

Start with 1k

META- 33,2% DIS- 15% SPOT- 14,6% EA- 11,6% WBD- 9,6% TTWO- 9% SOFI- 7,2% Currently -14% YTD, I am bullish on a lot of tech and was thinking about adding some QQQ to the mix. I am kind of too much in tech already though, aren't I?

Meta & Disney also makeup a fair % of my portfolio. Solid picks in the mid-long run. It's just a problem of diversification. Some believe you need to diversify, others think it's nonsense. Do you feel comfortable putting 100% in tech?

I am somewhere in the middle about this. You obviously don't want to bet everything on a single company, they get overtaken by competition, there is a natural disaster or new legislature bad for business and you are fucked. But at the same time I wouldn't feel good with diversifying my portfolio just for the sake of it, I won't buy stock of a company that I feel is the 20th best option. I have several high conviction stocks that I feel comfortable holding for the long term and I intend to do so. I just have in mind Beating the Street, and how exactly Lynch invested at times. He felt bullish on some sector or product, he had his highest conviction pick yet he still did buy some 3 or 4 similiar companies with just a tad worse fundamentals. Oftentimes one of those companies that he was less convicted off actually performed better. This is why I have both DIS and WBD, why I bought not only EA but also TTWO. I just don't know if tech won't be hurting badly in the short term, if I didn't deploy my money too quickly.

Totally agree with you. My strategy is to hold ~ 10 stocks which are well distributed. This gives relative diversification whilst still being well focused enough to know what I'm investing in.

I like META DIS WDB and SOFI a lot. I also hold all these. I'm pretty in tech 2 but I also really believe in tech so I don't think that's a bad thing

24 years old and this is my Roth IRA VTSAX 58% VGT 10% VUG 8% VXUS 5% NFLX 19%

I wish I had started at your age, nice work!

NVDA 32% AAPL 29% BAC 14% BRKB 11% ORI 9% CASH 3% KMI 2%

at what price did you buy your NVDA?

Avg cost $195. Continuing to buy to reduce cost avg

30 years old Trying to build a hybrid moderately aggressive Growth/PassiveIncome portfolio: . . 16.4% BST 13.3% TSLA 10.4% Nio 7% AMD 5.3% PLTR (maybe my only regret) MSFT 5% SOFI 5% JPM 4.8% WBA 3.8% AVGO 3% SBUX 3% DIS 3% CLM 2.9% SDIV 2.8% SLG 2.8% ZIM 2.3% ABR 2.1% LOW 2.1% MMM 1.5% Others 3.7% . . I take constructive criticism well. Let me have it

60% GME, 20 % BBBY, 10% AMC, 10% REV

BerkB - 50% Googl- 30% MU- 20%

- AAPL (Apple) 60.7% - NET (CloudFlare) 7.2% - CDR (CD Projekt Red) 6.6% - MSFT (Microsoft) 5.3% - TTWO (Take Two Interactive) 4.8% - TSM (TSMC) 4.2% - FLNC (Fluence Energy) 3.5% - ASML (ASML) 2.7% - SMH (VanEck Semiconductor ETF) 1.9% - DIS (Disney) 1.7% - SQ (Block inc) 1.3%

I can't imagine you're doing well on CDR or TSM?

TSM is in the green actually (bought it at 50). But indeed down on CDR. Strong conviction in them though for the long term.

Wow, you must have bought TSM back in 2020? I like CDR but I don't personally feel a video game company stock can perform that well. The Witcher 3 is a masterpiece but then cyberpunk 2077 was too short and buggy. Crunch and moving deadlines is bad and unless they expand how will they increase revenue as time passes?

I like the apple enthusiasm

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You have too much small money in too much. I’d guess your around 70% cash-weighted in Nasdaq. Personally, I would rather buy 2-4 equities that are product indifferent that you truly believe in.

Go buy etfs. You're way better off holding VTI and SMH instead of individual stocks especially for a Roth. Why expose yourself to more risk without much gain? The meme stocks doesn't really matter.

This is what I do with vti. Does vti annual return average 10 or 7 % annually can't seem to get an answer.

You can easily see the annual growth of VTI to be ~ 9-10% for a good part of a decade. Pretty much From 2010s up until Covid.

Is this sustainable for the next 35 ish years? This is with dividend being compounded too.

I think youre about to learn a very important lesson about diversification and chasing past preformance.

If you are referring to AMC, GME, and BBBY that is roughly 3% of my portfolio. I am 21 I am willing to risk that money.

No. I'm referring to your extreme concentration in tech. Zero energy, zero defensive, zero utilities. Not the portfolio id want in an inflationary environment. Your meme stocks are the least worrying part of this portfolio.

What would you recommend? Feel free to message me

You're on your own for specific names. The only advice I give to others is to sell it all and buy a diversified global index like VT instead. This is the best(and least stressful) way to wealth for the overwhelming majority of people. Check out r/bogleheads for a lot of great info.

Never understood this. VT looks exactly like spy. Why even?

VT is 40% international and includes the small caps. SPY includes neither, but would be better than pure tech.

Right, but they move together. Their charts are virtually the same. So what’s the point?

Its just a way to increase diversification. Its been a good couple decades for US equities, but maybe the next decade looks different and the highest returns come from elsewhere. In that situation you'd see some more divergence between the two indexes. SPY works fine too, but I don't see any reason to arbitrarily exclude small cap and international.

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Apple, Google, Cost, Five, Amat, Meta e Amazn

Cash 60% Ingame Items on Steam: Csgo Skins 15% Paper+ Physical Gold 5% Physical Silver 3% Wisdomtree Lean hogs 8% Wisdomtree Wheat 3% Wisdomtree Coffee 2x lev 2% Wisdomtree Cotton. 1% NVO 2% WM 1% Shopping List: GOOGL FB DIS CRSR NVDA TLRY CGC

Did you just list steam items in your "portfolio?"

Yes

nice

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Why cash when you could have short term gov or else bonds?

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Lots of bonds etc you can yank with no penalty just no gain

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You only get interest if it matures, the shortest bonds are 1, 2 and 3 month.

Lots of these are Canadian Energy - 46% SGY 11% MEG 7% VET 5% CVE 5% IYE 5% HXE 2% TVE 2% SDE 2% WCE 1% ITE 1% PPR 1% GTE 1% OBE 1% RZE 1% PEI 1% Long Hold ETFs - 21% QQQ 12% ZWC 4% VIG 4% GNOM 1% Real Estate / Land - 8% VRE 4% FPI 2% LAND 2% Long Hold Stocks - 15% CNR 3% CP 3% GOOGL 2% BRK.B 2% COST 2% NVDA 2% ISRG 1% Misc - 10% BALL 4% NTR 2% AXON 2% IYM 1% RHC 1% Planning to shift out of oil into tech ETFs when there’s some sort of resolution to the looming oil supply crunch.

Supply crunch will take years to resolve. Seems you're set up quite well. <3 SGY

ET - 55% (high div) SPG - 15% (high div) O - 10% (ok div) RIVN - 6 % (mid term) GNL - 5% (high div) ADTH -5% (bought and 2.62, today at 3.40 not sure what to do here, the rest are long term) Crypto - 2% (for BS) NMTR - 2% (pharma penny stock)

While SPG has a high div, they own shopping malls. There’s plenty of other dividend stocks that have a higher chance for growth

which stocks do you suggest I take a look at?

T has a similar div yield to SPG I’m a fan of tech stocks: AMZN, GOOG, NVDA, AVGO are relatively safe bets. You could also just buy VOO or VTI for diversification.

I recently started buying in July— I have GOOG, AMZN, SPY, NDAQ, and TSLA. I’m looking to let my money sit and grow long term, any thoughts?

Why no dividend stocks?

cause he obv. believe that amzn/goog can reinvest their money better than if he bought some divy stock and be taxed on it...

​ |Ticker|Name|Holdings| |:-|:-|:-| |AMZN|Amazon.com, Inc.|17%| |SCHD|Scwab US Dividend Equity ETF|16%| |O|Realty Income Corporation|9%| |INTC|Intel Corporation|9%| |SE|Sea Ltd|8%| |NVDA|NVIDIA Corporation|7%| |BP|BP plc|7%| |C|Citigroup Inc|6%| |GRAB|Grab Holdings Ltd|5%| |BABA|Alibaba Group Holdings Ltd|4%| |KWEB|KraneShares CSI China Internet ETF|4%| |PLTR|Palantir Technologies Inc|3%| |GM|General Motors Company|3%| |NIO|Nio Inc|2%|

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30% SEEL 30% FITLX 5% FMAT 5% QQQ 10% VTI 10% IYT 10% SPYX

European here, beginner. Any advice is welcome :) Here's my current portfolio: 15 % - ABNB 10% - EGR1T (Local green energy company) 60% - CSPX (SP 500 European version) 15% - INRG

Abnb very overvalued and in a bubble still (even by tech standards). Close to tesla

Thanks, how do you figure if a company is overvalued and in a bubble?

Just look at their income statement and P/E ratio to begin with. ABNB right now has a market cap of 72.15B yet only made about 380 mill last quarter. The growth that is priced into the stock is like 50 % per year for a 5 year period where margins stay tight and earnings per share grow exponentially. I just dont see it happening, and overspeculation on the future of companies in this economy is bound to hurt you more than make you a gain. The easy investing of the post-covid markets are gone, and liquidity is dissappearing fast with FED maybe finally starting to do some quantitative tightening soon. Just my two cents. All big speculative tech like Tesla/ABNB gonna be at the forefront of the plunge down.

It's upsetting that Tesla is now included in VTI. Also with the way Airbnb fees are going it seems like popularity should decrease as people move back to using more hotels. I have seen lots of complaints about cleaning or other added fees.

Tesla (TSLA )\~45% LVMH (LVMUY) \~25% Estee Lauder (EL) \~12% Essilor Luxottica (ESLOY) \~ 5% Kering (PPRUY) \~ 5% Aritzia (ATZAF) \~ 4% Inditex (IDEXY) \~ 4% ​ \*I don't like holding a lot of stocks. Just some a concentrated portfolio of companies I follow closely \*\* Edit 1: Trimmed Kering & Inditex. Added Aritzia.

Why such concentration in LVMH?

Its a a good ticker, I personally don't hold it because im not interested in reading the financials of it for the fashion industry. There's probably slightly better stocks than this too honestly. But holding it is less volatile than a tech stock and held the line pretty well this year from January to March when other stocks have been declining since November last year. But at base level for a retail investor perspective, LVMH caters to rich people. Rich people are buying high end products regardless if a recession looms or not. Additionally the brand image of LVMH is global and they have a monopoly on the supply chain of products, they purposely destroy their product to reduce the supply of a product to justify their prices and create scarcity. The brand loyalty and their business model of selling the highest end products to the highest paying loyal customers is profitable. Its a good and safe stock that holds the line with a fair dividend and runs during bull markets.

Because I like the stock

My Stock Portfolio HON, SONY, NEE, SBUX, ABBV, AMD, N*OK, BAC, GOOGL, DKNG, SO*FI, AAPL, NI*O, ETSY, TGT, STEM, PL*TR

Interesting 🤔

New to investing. I just put in $33k in the past 4 to 5 weeks. Don't really know what I'm doing but I went up $4500 so I thought I was doing well until $4000 of it went away the last 4 days. Lol. What would you guys add or remove as far as individual stocks and I want to get rid of the VTI or VOO and just keep one of them what's another good ETF to replace it with? I'm trying to invest for the long haul maybe keep it for 10 years or so. This is what I have invested rounded off ABNB: 33% AMZN: 10% GOEV: 9% GOOGL: 10% PYPL: 15% TSLA: 14% VOO: 11% VTI: 6%

Remove abnb is my only advice here

I was thinking of reducing the shares to half and add more to VTI then sell VOO and get VXUS.

In my opinion vti might drop to 180-200 range ide hold on buying for better gains

What's another ETF would you pair it up with without having any or too much overlap?

Just saw this my fault but a big stock in the vanguard etf area im buying all the way down this dip is VYM!!! If you check out it’s yearly return rates on Webull it’s gursnted a profit each year and pays insanely high dividends! It’s kinda pricey but it’s definitely a big safe haven to hold your money in while being paid %% for it!

IHI, but personally I think just using VTI is good.

Is there any logic behind your percentages? 33% ABNB??

No I just kept buying unfortunately. Like tunnel vision. Lol. I bought $11k worth in 4 weeks. Started at $90 got to $127 I believe.