Investment Portfolio I’m currently 22 years old and began investing last year and I just very recently decided to simplify my portfolio which is 50% VOO 25% QQQM 20% SCHD 5% Crypto submitted by /u/Squat-Cobbler602

22yo seeking advice on prudent investment for windfall As a result of a car accident two years ago, I received a large settlement (around $400k total). I opted to receive $250k up front, plus a $600/mo lifetime annuity in lieu of the rest. Since then, I have acted as if the money does not exist. The lump sum has sat in a CD which earned 5.25% interest the first year, 5.12% the next. My living expens…

HSA Investment Management Fee I have a perk with my HSA that allows me to rollover a certain monthly amount to an HSA Invest account. There are no fees to rollover, however, there is a .25% annual management fee. Do you think this would be worth doing? Otherwise, it will be sitting in my HSA checking account at .01%. submitted by /u/EmphasisDesperate783

Are solar panels worth the investment? Hi everyone, Seeing that there is a federal interest free program and $5000 provincial grant for Solar, we inquired about solar energy. It’s about $30,000 paid interest free over 30 years. From the specs of my home, we would be able to generate about average 75% of our current wattage. From a rough calculation, if our electricity rates don’t …

Trump Says Nippon Steel Will Make Major Investment in U.S. Steel President Trump supports the Japanese company’s taking a stake in the American steel maker after the U.S. blocked a $14 billion takeover bid.

The data-centre investment spree shows no signs of stopping Demand for processing power will continue to outpace supply

Sharing My Yieldstreet Investment Experience I’m sharing my investment experience with Yieldstreet to provide an additional data point for anyone considering investing with this company. If I had come across a post like this earlier, I would have made a different investment decision. In January 2022, I invested $100,000 in the Atlanta Multi-Family Equity fund and $50,000 in the SFR Diversi…

Should I sell my plot of land or keep it as an investment for my future? A few years back I bought 0.4 acres of undeveloped land in unincorporated northern Illinois with the goal of eventually building a home. A combination of high mortgage rates and personal health problems have postponed my plans indefinitely but I’m now wondering what would make the most financial sense. When I bought the property in 2022 I paid 2…

Best short term investment for $10-15k? In a few weeks I will be receiving $20k in an inheritance. I plan to use approx $5k for medical reasons, catching up on bills etc. I might put some toward a car. The rest I plan to put aside to grow. But I have no idea where to put it. Shares? Term deposit ? Context: 35 F, Australian, employed but no savings and living paycheque to paycheque. …

My investment plan makes my living situation a bit tight. My current plan I have this: $150 weekly to FXAIX, FSPGX $100 weekly to FMDE, VTI, VIG. Edit: plus another $150 at end of every month to FXAIX and FSPGX. Which is $675 weekly (edited from $900) After a reduction in hours, I would feel more comfortable at this new plan. At least until I can find a second job or gain back hours somehow. I have thi…

Is the Canon M6 MII too old? Is M mount worth the investment? I am looking to get a telephoto lens for my M6. There are a couple m mount options, as well as some good efs options (albeit not as portable). Is it worth investing in an m mount system still? Is the M6 MII too old? Should I just be investing in a new system at this point? I’m a hobby photographer, so not as though I’m using this everyday or ev…

What is the next best investment after maxing out my Roth IRA? In I Will Teach You to Be Rich by Ramit Sethi, he lays out a clear investment order: 1. Contribute to your 401(k) up to the employer match. 2. Max out your Roth IRA. 3. Max out your 401(k) (because it’s pre-tax money that can grow faster, even though you’ll pay taxes later). But what if your employer offers a Roth 401(k)? Since that’s post-tax m…

Stocks v Roth IRA: best investment strategy for someone who will leave the US permanently in a few years Hi, I (24F) am a grad student in the US. I end up saving about $1200-1400 a month that collects dust in my checking account. My friends have suggested investing in stocks and contributing towards retirement accounts like Roth IRA. Most of them, however, are US citizens or plan on settling down here. I would most likely move back to my home count…

Transitioning Taxable Investment to Retirement Accounts I have around $200k in a taxable mutual fund. I’m thinking of starting to sell off some of the mutual fund every year so I can afford to max out a Roth 457b ($23,500) and a Roth IRA for both my wife and myself ($14,000). My salary is $89k and after HSA and 403b contributions, my taxable income should be about $60k. My wife stays home with our ki…

Investment opinion needed When do you know it’s time to move to a new advisor? Background, for the past five years annual contributions into retirement account have been about $15K, starting basis about $200K. Overall investment returns in the five years have been about $10k loss. I’m in a moderate risk investment strategy. I hear from the advisor: ‘long run, long game’,…

Here’s When (and How) to Rebalance Your Investment Portfolio Start the new year with a fresh look at your investments.

How do taxes work on a partial withdrawal from investment? Let’s say I have 400K invested in the last 5 years 400K gains in a index fund. I want to withdraw $30K, can this be considered that I’m withdrawing money from original principle amount and I owe no taxes on it or is it considered investment income regardless and I have to pay long term gains tax on it? submitted by /u/ecfan

A couple in their late 30’s looking for an investment advice Hi all, I would like to ask for personal finance advice, mostly investment. The situation is as follows: Me and my partner are both soon to be 37 years old. We both have worked for 15+ years now and have stable (as much as they can be), 9 to 5 jobs, in two different “stable” (as much as they can be) companies. Unfortunately, no kids yet, due to…

Jewelry as an investment Are there good entry-level luxury jewelry brands or materials (e.g., platinum, diamond) good for investment? I (F in her 20s) want to get myself jewelry while getting my money’s worth. My budget is ~2K USD and design-wise I like something simple yet cute (e.g., Tiffany, Van Cleef). I’m not looking for a crazy return but just something that won’t…

I have $30k in an investment account and owe $24k on a consolidated loan. Monthly payments are killing me, should I cash out the investment acct and pay off the loan to start over? The loan is consolidated debt across a couple credit cards and a loan from a business that went under during COVID. I’ve paid it down over 4 years from about $50,000 in 2020, but the monthly payments (roughly $900/mo) are crushing me. The investment acct is collateral for the loan. The interest rate is 9.05%. My income is about $2,100/mo on a go…