Posts
Where do I even start? Help :(
I come from a low income background and I’m able to save, but I also know investing is the next step. My issue though is I have no idea where to start. Do I open an account with the names thrown around like a new bank account? (Vanguard, Schwab, fidelity) …
Why have long term rates been dropping so fast?
Over the past few days the rate on 10 and 30 year treasuries have been dropping like a stone. They had been up previously, presumably because the market felt that Trump's tariffs would stoke inflation and that would cause the fed to raise (or at least not reduce) rates. Does …
Damned if you do, damned if you don't
I have significant expore to PEOPX, which is the bny Dreyfuss S&P 500 fund. The expense ratio is ridiculous (.5%)and the cap gains distributions are high. Makes no sense to buy this over a lower cost s&p fund. But since I'm already heavily invested, the dilemma is that selling to …
DCA into VOO or start position in VTI?
Curious which option makes more sense...DCA into VOO (cost basis currently is $421) or start position in VTI to diversify at current price, even though returns are essentially the same for each fund over long term. Also, currently put $400/month into my account, so wondering if it makes more sense …
Investing in a 'Ukrainian' ETF
In light of the agreements between the U.S., Russia, and Ukraine to end the war, I’m wondering whether it would make sense to invest in a Ukraine-focused ETF. Personally, I believe the growth potential could be significant. However, I can’t find any information on ETFs that are solely focused on …
Small windfall investment ideas 40K
Friend of mine recently came into a personal injury settlement netting him 40K. Interested in set-it-and-forget-it strategies. Open to crypto, physical gold, aggressive ETFs. Fearful of option plays. Any thoughts on how you’d divvy up that small fortune? Much appreciated!
Investment strategy for brokerage account with goal of buying a home in 1-2 yrs?
I currently have just over $100k in a brokerage account with $90k in the core position (spaxx) and $10k split evenly between two different bond etfs (SHV and BSV). I am having a hard time understanding the benefit (if any) of investing in bond etfs vs just leaving everything in …
Are Treasury bonds, notes, bills rates per year or 6 months?
[https://www.treasurydirect.gov/](https://www.treasurydirect.gov/) I see that they say the interest rates compound every six months, but I'm not sure if the rates shown on their home page (you can see if you scroll down) is showing per year or per 6 months. If these are 6 months rates, they seem pretty damn …
HSA Advise- where should I invest funds
I'm about 6 years away from when I plan to retire. I just transfered my $38,500 HSA to Fidelity and won't be contributing to it anymore. Does anyone have a suggestion on what investment choice I should choose for this money? I'm not sure if I should aim for a …
Retirement Portfolio Allocation - Pension
For the somewhat guaranteed portions of your retirement portfolio/income like defined benefit pensions, are you counting it as part of the bond side of your portfolio (i.e. the 40 side of a 60/40)? So if pension is 40% of the income, are you 100% equities in the rest of the …