r/investing

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Here's where my assets lie... what is something I'm not in that I should be?

REDDIT / deyemeracing / Feb 13, 2025

ALLOCATION:TACTICAL ALLOCATION (3) ALTERNATIVE:DIGITAL ASSETS ENERGY:INTEGRATED OIL AND GAS ENERGY:OIL AND GAS EXPLORATION AND PRODUCTION ENERGY:OIL AND GAS STORAGE AND TRANSPORTATION (2) FINANCIALS:ASSET MANAGEMENT AND CUSTODY BANKS FINANCIALS:PROPERTY AND CASUALTY INSURANCE INDUSTRIALS:CONSTRUCTION MACHINERY & HEAVY TRANSPORTATION EQUIPMENT INDUSTRIALS:TRADING COMPANIES AND …

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Dividends vs APY - Am I missing something?

REDDIT / Amphibious333 / Feb 13, 2025

Hello, can someone explain something. So, my portfolio lacks traditional investment options such as stocks, and I'm considering to add some. I'm a EU citizen, so investing in US companies isn't for me, because it has a withholding tax. The …

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Has anyone solely lived off of dividends once they’ve retired?

REDDIT / Double_Assignment527 / Feb 13, 2025

I am 22 and I have a personal financial goal of leaving my children a sum of wealth. Once I retire I want to live solely off dividends so that I can pass down the capital to the next generation …

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Short term high yield interest accounts right now?

REDDIT / XandersOdyssey / Feb 13, 2025

Just curious what’s out there at the moment! Local banks are at roughly 4% for 6-11 month terms, so I’m not sure what’s realistic to expect of say anything less than a 6month term at a higher interest rate or …

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Is SGOV a bad option for holding cash intended for high frequency cash inflows/outflows?

REDDIT / avhreddit / Feb 13, 2025

My cash inflows and outflows occur multiple times a week. I'm currently using SGOV to park my cash inflows due to its higher yield compared to FDLXX (Fidelity Treasury Only Money Market Mutual Fund, 7-day yield is 3.91%). However, my …

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Put Cash Towards Investments or Mortgage?

REDDIT / windatione / Feb 13, 2025

Hey guys, I have some cash that I am trying to figure out what to do with. I was initially thinking of diversifying it and putting it in stocks, bonds, high-yield savings account, etc. so I can get a better …

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Minimizing risk from existing adjustable rate mortgage

REDDIT / TheEconomicus / Feb 13, 2025

I have a 7/1 ARM from June 2022, 3.75% fixed through 2029 then SOFR + 2.75%. I have a little over half the 2029 principal balance in a brokerage now. I’d like to invest to minimize the risk of high …

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Trading 212 alternative in UK

REDDIT / trouser_mouse / Feb 13, 2025

Hi all, I'm in the UK. With vanguard revising their fees and charges, I moved to Trading 212. T212 service has been absolutely terrible. They have messed up three ISA transfers (two attempts at one with one provider, one with …

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Wealthfront S&P 500 Direct Account tax loss harvesting experience

REDDIT / No-Shoulder36 / Feb 13, 2025

Was excited for this account [type](https://www.wealthfront.com/sp500-direct) that trades individual stocks to model the S&P 500, very cool idea and I am riding the 20k account minimum. The only surprise I had was that it is tax loss harvesting every single …

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How much of my savings should be invested in the market?

REDDIT / jrchapin / Feb 13, 2025

Let’s say i have in the range of 20-30k in my savings, and about the same amount invested in the stock market. I feel like i should invest more of my savings, but at the same time having more in …