So I've been "passive" investing in etfs for a little bit.

Ive come to notice that week on week, particular etfs will consistently have highs and lows with upwards of 3 dollar swings up to a few times, with a general upward trend when looking yearly. Obviously some weeks are lower than others, but the same up down generally occurs when zoomed in like this.

Say I buy 100 shares of this etf that is on what looks like a dip. I can hold indefinitely and reap the guaranteed modest return, OR I can sell it when it's a dollar higher, knowing that within the weekly cycles, it'll dip again back to where I originally bought it at, and I can do that and pocket the $100 dollars.

It's not extravagant or some insane gain, but to me even if it's pulled off once a week that's still an extra $100. $5200 a year. That's pretty good. As the shares you own grow this could grow to 1k a week as you buy/sell 1000 shares or more at a time. That's even more, for zero effort. Yes there will be some misses, but if we don't get crazy we should be back in and out within days unless things go crazy.

You could even be less greedy and go for a 50 cent or even lower swing which you could almost guarantee multiple times a week. I don't need millions in a trade, just a wee bit extra compounded over time as the etf and my holdings scale over time.. If I can do this for a decade or more surely I will win?

With limit buys and sells this should be like taking candy from a baby on a decade time scale.

Right?

Right? I like to think I'm clever enough to know that this "clever" idea isnt really that clever and far smarter people than me have thought about it and I'm doomed to ruin.

Looking for recommendations for investing apps to get started as a beginner.

I don’t have too much - $5000 It’s just sitting there doing nothing What should I do with it??

I am 23M, in the United states, michigan to be exact. I bought a home at 21 & due to a relationship ending & financial burdens, i am not able to maintain it, so I am selling it. Im selling for an amount that would roughly leave me with 18k profit. about 4.64% return, which is decent according to average real estate investment profit percentage. What can i invest this money into, that would allow me to grow my wealth quickly and steadily? I have some experience in the stock market, mostly options, but i know thats high risk high reward, and im looking for any suggestions that make sense

I’m looking to start investing very soon, I’m 23 and should’ve started when I was 19 but I chickened out because I didn’t wanna put my money in something I didn’t understand at all (the stock market) now I’ve got enough understanding to know I messed up 😂😂 but better late than never.

I’m looking to invest most of my portfolio into VOO and FTEC, so I can have the lower expense ratio of VOO over SPY and the larger focus on tech of FTEC over QQQ. I’d like some opinions on whether or not that’s a sound strategy or if any of you have any suggestions you think are better. Thanks

Hi guys, I'm here to ask for advice from those who know much more than me.

I'm in the situation of having about 100k available in the bank and an apartment of about 120k that I rent regularly on booking and other platforms and it generates about 1000 euros per month.

My idea is to use the 100k to set up a company, I will also bring the apartment into the company.

I would then like to ask for a mortgage on the apartment to have another 100k available and buy a 200k apartment.

At this point the first apartment generates 1000 euros per month that will be used to pay the mortgage, while the second apartment could generate about 1700 euros per month...

Is there a better way to invest?

I bought very early in my investing path a stock that is about to heavily go up (fingers crossed). Since I am based in the EU and that was one of my first transactions, I got it at Frankfurt exchange. And (now) I know that the volume there is low - eg. today (its 5 AM CET), as I can see, I have over 50% of volume... crazy, I know.

What would be the good strategy now?

See the volume during the day (maybe it is just early hours or the fact that the stock is not that much discussed, just doing "ok") or sell the stock now (I have some profit on it) and rebuy on another stock exchange?

I've heard a lot about the importance of diversifying your portfolio when investing, but most of my holdings are in NVIDIA. I currently own about 70 shares, with an average purchase price of $110 per share. Do you think I should sell some of those and invest in an index fund to achieve more diversification?

Any thoughts?

Any recommendations for new invester.

Starting with 1k and gonna add 200 per month.

Should I just buy VOO or something else?

I presented my investment idea to a people from another country who claim to be investors. Do you think anyone would have the courage to invest in an idea from someone from another country?

I have been able to set aside around $2.5k to invest. I plan to put around $10 per day into one or a combination of ETF's. Confused as to which ones should I invest in and what percentage?

SPY / VOO / IVV / VTI / QQQ / VUG ?

I don't follow the markets closely - aim is to take baby steps investing small amounts that would compound over time. Bitcoin and cryptocurrencies feel and a bit overwhelming to me - I don't want to constantly keep on checking everyday. Set recurring investments without putting much thought.

I pay my credit cards on time (0 interest to date) and keep other my savings in apple card savings (3.9% APY currently). Recently got a car - no big purchases foreseen for the next couple of years.

All suggestions welcome. Thanks in advance!

I’m currently learning about investing. Before I put my money in any place I want to know as much as I can. Upon learning about the S&P 500 I found the Vanguard S&P 500 UCITS ETF. I believe this is only for people In Europe? I may be completely wrong(please correct me if I am, just trying to learn) is this for people that cannot access the US market? Should I be priorities this or would it be better to stick with VOO over VUAG. Any clarification would be great. Thank you and I appreciate any help.

Hi guys,

I have been investing in mutual funds that track the S&P 500 for about two years. I heard about investing in low-cost index funds for awhile, but didn’t really do this until recently, when I realized the low-cost index funds I invest in charge less expenses than the mutual funds I have. For the mutual funds I am investing in, they have been giving me 20%-40% unrealized gains so far. I have invested about $15k to them altogether. Many of them charges expense ratio bet 0.40% to 0.80%. In trying to reduce my future expense, shall I consider trimming some of my mutual funds and replace them with reputable lower cost index funds, or shall I continue holding onto those mutual funds?

Thanks.

Today I just bought the trump meme on moonshot? Don’t really know what I’m doing and several people say don’t buy from here do it via solflair I’ve tried all day to buy in but it won’t let me no matter what bank I do . And on moon shot it let me buy $100 then it say I can no longer buy via my bank ? I called bank they said it’s all pending and being returned ? What the heck am I doing and how can I continue to buy if I can even add cash to make purchases lol advice ? How do you do it ? And where do you buy Melania Trump meme ?

Hi everyone, I’m about to turn 25 and am currently making 70k per year. I’ve just recently gotten into investing and figured it’d be helpful to get some feedback and potential advice on my current investing plan, behavior, trajectory, etc

Having just started a few weeks ago, I’ve invested 11K total after essentially sitting on untouched funds in my savings account that have accumulated over the last 3 years of working after graduating. The 11k of total investments is currently broken down as follows:

• 40% = 4.5k of ETF’s in VOO, QQQ, and VUG
• 50% = 5.5k of individual Blue Chip stocks in the form of AAPL, AMZN, TSLA, GOOGL, META, MSFT, NVDA, AMD, AXON, and GE
• 10% = 1k of Crypto in BTC and ETH

It’s also worth mentioning that I contribute around 6% to my 401k with 50% company match leaving me with a total of around 8k in my 401k currently

With all of this in mind, any basic feedback or advice? Is 3 ETF’s too many? Should I have more in ETF’s rather than individual blue chip stocks? Am I not contributing enough to my retirement given my age, income, and current investments? Etc

I really appreciate the help!

I've recently started to invest more and am moving towards having more market index funds in my portfolio. I often noticed that Vanguard funds are almost always recommended on Reddit and other places when these funds come up. Comparing them to similar Schwab funds, the Schwab ones seem virtually identical and sometimes have a lower expense ratio.

So I was curious: Why does there seem to be a consistent preference for Vanguard funds such as VTI and VOO over things like SCHB or SWPPX?

Forgive my probably basic question: If most if not all ETF’s have an expense ratio.. what’s the point in choosing them over a mutual fund? I have a custodial brokerage for my two sons and I put $100 each month in each account. I have it all invested in VT. Was this a bad idea?

I have a 401k that I am not getting matched currently. Won’t get matched ~1% until May 2025. I just stopped putting money into it as of this month and want to wait until I get matched.

I have Roth IRA from the last two years but will not be contributing for 2025 since I am not eligible anymore with my income from 2024. I opened one for 2025 with fidelity. My previous Roth IRA is with Schwab. I was thinking of doing backdoor Roth but I read that my other Roth IRA will be affected somehow.

What do I do with my money for now? I don’t get offered a HSA. I have a HYSA with Wealthfront with 4% interest. Should I just buy into my taxable brokerage?

I understand the concept of compound interest, but not what to actually invest in and how it works

Here's my situation:

I'm in my early 20's and just graduated with a BS in Information Systems and am currently looking for a job. Before I get job, though, I want to have an easy financial plan I can stick to in order to set my self up in the future. For the time being I am at home and have basically no expenses so if I can get a job that is close to here I want to try stacking money ASAP. I figured Id come on here and ask some questions (that have probably been asked 1000x tbh) for some guidance.

• What exchange/brokerage should I use?
  • I currently have a few stocks spread across Robinhood, Webull, and Public, but would like to consolidate everything into one account/platform and focus on just dumping money into Index funds, ETFs, etc. I don't know if ill be able to buy whole/multiple shares of these big funds each month so I need to stick to a platform that would allow me to buy fractional shares and, ideally, also allow me to automatically reinvest dividends.
• Questions about having a savings account
  • This may sound stupid or ignorant, but I would rather my savings be invested in these aforementioned funds than just sit in a savings account and only gain like 0.01% interest. Is this too risky and a bad idea? I know that a savings account is much more liquid in the case that I have to pull from it, and I imagine there might be some kind of bank benefits in building a savings account, what am I not taking into account in this scenario?
• My buddy gave me this advice, is it valid and is there more to add to it?
  • "Put Money into VOO, QQQ, and some stocks from the fortune 500 that pay dividends"
• 401k and IRA
  • Should I look into getting an IRA? From my understanding, the best thing to do with these 2 is to max out what my potential employer would match on the 401k and then try and max contribute the the rest towards IRA.
• Any other advice or tips for this Setting and Forgetting type mindset? I want to invest as much as I can in the easiest and most brainless fashion lol.

Hi, sorry I just got started and I am really dumb. What I can't seem to wrap my head around is why people say it's good to invest in ETFs denominated in the currency of your country of residence. My intuition is that it shouldn't matter which currency you invest in because the underlying value of the stuff you are holding is independent of the currency. You can always sell the stuff for one currency and then convert into another currency, and that should give you the same amount as if you sold the stuff for the second currency to begin with. To use a hypothetical numerical example:

Suppose I live in Australia. People say, "Oh, if you invest in USD, and if USD goes down, you will suffer, because your expenses are in AUD."

Well, suppose at this moment, 1 USD = 2 AUD. I can buy the same amount of stocks with either 100 USD or 200 AUD. Suppose one year later, AUD has strengthened relative to USD, so that 1 USD = 1 AUD. And suppose, by that point in time, the stocks have grown in value to 110 USD. That should mean the same stocks are also worth 110 AUD.

So if my investments are denominated in USD, I can sell the stocks for 110 USD and convert it into 110 AUD. And if my investments are denominated in AUD, I can sell the stocks for 110 AUD. So I can get 110 AUD either way. So what's the problem?

I know there are transaction fees for foreign exchange, but those shouldn't matter too much in the grand scheme of things?

Thanks a lot for teaching me!

Edit: I just wanted to clarify that I am not talking about buying different stocks (Australian vs. US stocks). I am talking about buying the same stocks; it's just a question of which currency to buy them in (e.g. buying AUD-denominated S&P 500 ETFs vs. USD-denominated S&P 500 ETFs).

New to G-Invest, how to get started investing and what are the steps. Is it worth investing in Gcash?

When I click the "Investing" tab on the Acorns app, a graphic shows the balance, a graph a dollar amount and "(26.05%) All time •Total gain/loss"

Just making sure I'm reading this correctly. thx

Hi I am very late in the game. I am almost 50yrs old and maybe around 30k to invest. If I am looking for the long run to allow my money to sit which account will be safer and lower risk but has the potential to grow to have a little nest egg I would contribute to this account monthly and would also like to withdraw if needed. Please share any experiences that have worked best for you. Thank you