Posts
Geographic Disparity in Personal Finance: saving $500/mo or hitting $1M by 35 feels impossible in Southern Europe
I see constant posts in international and US-focused personal finance communities featuring 18-to-20-year-olds casually talking about investing $400–$500/month, or 30+ target-planning short term $300k to 40s $1.5M net worth figures. Looking at this from Southern Europe (and several other EU regions), the reality is different: reaching even 7–10% of those …
Backdoor Roth IRA Strategy
# Bakdoor Roth IRA Strategy I may have gotten myself into a bit of a tricky situation, without illegal consequences, however. I will state my questions, and then offer some context, followed by the current state of my accounts. Thank you in advance for any help! * How can I …
2026 Best Investments @ 25
25 M- Have a 401k and just opened a ROTH IRA. 401k- i’m in FFSDX & FNSFX What % should i be putting each check? I want to still have cash flow available What are the best investments within each? Are there other investments i should be looking into? Any …
Does anyone avoid diversification (like me)?
Seems like there’s some great generic advice. Pay off debt, especially high rate debt. Make more than you spend. Invest the difference. DIVERSIFY! I think this is terrific advice for most people. I’m not the type. I love to study stocks and balance sheets and news. I only own 11 …
On this day, 50 years ago, Vanguard launched the first publicly available S&P 500 index fund
>On Aug. 31, the first index mutual fund will celebrate its 50th birthday. On that day in 1976, an upstart fund company by the name of Vanguard run by the late John C. Bogle launched the first publicly available S&P 500 index mutual fund. A half-century later, all share classes …
Daily General Discussion and Advice Thread - August 31, 2026
Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! Please consider consulting our FAQ first - [https://www.reddit.com/r/investing/wiki/faq](https://www.reddit.com/r/investing/wiki/faq) And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources. If …
ETF allocation changes due to high valuations
I've traditionally been a VOO investor, but thinking of moving a large portions of my investments into SCHD. Reasoning is in a potential market downturn, i'd rather be in cash flow postive companies, then even voo where its dominated by ai dependent faang companies. So in a theoritical drop of …
Claude Monte-Carlo Simulations
I reconstructed my retirement portfolio and then ran Monte-Carlo simulations that randomly introduced 2-3 known past bear markets randomly into a 6% growth path for a 60:40 allocation over 15-20 years and compared that to the 6% continuous growth control. Then I overlaid that with additional one time capital expenditures …
Question about finance media outlets
Hi all, I am trying to gather some information for a private project of mine. What do you expect from finance outlets? Is it: A nice writing-style Financial literacy education Speed of news Political bias Clear explanation of the news and the impacts Or asked differently, what are you currently …
Suggestions of where to learn financial literacy quickly
Suggestions of where I can quickly absorb info from. To sum it up, I'm looking for where I can look to learn to make money last my lifetime. I've recently been trying to research financial literacy topics and have some ideas of what to do, but I'm scared if they're …