It was on my watchlist but looks like I have missed the rally. Does it still make sense to buy into it or is the industry nearing its peak cycle?
I am considering it as a short-term investment and a <5% part of total portfolio. Please recommend.

https://preview.redd.it/cvqgwnubkpzg1.png?width=785&format=png&auto=webp&s=ec9d1d4a00674fc7c97e59199b7014140a6ec255

I (f49) have only just come across this concept of FIRE, but I guess I'm already there. My problem is that I'm very disorganised. I made a lot of money in a short space of time about 10 years ago, pretty much just stopped working (at 40), and then "forgot" to invest the money and basically after paying off my mortgage and buying a place for BTL, left it all sitting in cash. Current account near-zero interest bearing cash. When I finally got the courage to face it and look in December I found I had nearly £500k sitting in crappy accounts. Yes, I know... I didn't even use my ISA allowances in that time. I have beaten myself up enough about this already. I live very cheaply and it was all "future money" which I didn't need. I'm now trying to pick up the pieces of what I've lost to inflation, plus the fact that the global markets have been on a huge bull run which I'm worried could potentially lead to big losses going in now.

Bit more background. I have an income of around £40k per annum from properties I own mortgage-free. Although probably around £15k of that is not real income because with stagnant house prices I'm just basically building up capital gains tax liability on my primary residence based on pre-2012ish gains (my primary residence is half of that income, I now live in a van). I live on around £25k pa. So I'm still sort of a net saver (if you ignore the deferred tax issue). I have about £450k in pension funds, the vast majority in the FTSE100. With that plus the properties, I am hugely over-exposed to Sterling given that I spend most of my time outside of the country travelling. I have about £130k in ISAs, now all global. I'm consolidating and putting everything together and the idea was to move most of it into global trackers but I'm getting cold feet. Especially since the VWRP etc just went on a rampage in the last couple of weeks while the FTSE100 went the other direction, while I'd taken my eye off the ball for various reasons, it feels like moving right now would be locking in a huge loss. I also know that trying to time the market is a mug's game.

I am very financially literate, used to work in financial services, just have issues taking decisions for myself and then carrying them out. I had decided just to go for it and started drip feeding in Jan, I've invested about £160k so far, £100k in VWRP (about 8% up YTD) and the rest split into European and Chinese trackers (which are on roughly breakeven YTD). Only got around to transferring about 20k into VWRP from existing pension, doh. Then the war threw me off my stride as there's so much volatility right now and I really thought (and still do think) that the market has underpriced the real long term cost. But what do I know, the S&P500 is still rising. Is it a bubble? If so when might it burst?? Who knows! Having let my savings deteriorate for so long in real terms, I feel like they don't have the same buffer they should have to take big falls now. Going to hold some cash back so I have maybe another £250k or so still to invest, plus the rejigging of existing pensions investments. I don't really need huge gains, I just want to make sure at a minimum I start keeping up with inflation to keep my capital intact, although obviously larger gains are desirable. I won't need the money for some times so volatility isn't a huge issue but I keep looking back over my shoulder to how long it took for people to recover their capital after the dot com bubble burst. I feel like I wasn't in the market when I should have been and now want to invest in a time where I might actually be better holding some cash.

Would welcome thoughts from those with a bit more hands-on actual investment experience than me, help me get my thoughts straight to keep taking positive actions!!!!

I have an ETRADE account but it doesn't let me setup automatic payments to purchase AVUV, XMMO and few other ETFs.

How do I solve this?
Are there other brokerage firms that lets you auto invest into these ETFs or any ETFs without restrictions?

Thanks.

I'm 54 and unfortunately didn't start investing until 2017. I currently have $173k in a Roth 401k thru my work and maxing it out every year(around $30k with "catch up). In addition to that, last year my wife and I each started Roth IRA's with ETF's thru Fidelity and have them both maxed out(currently have $17k each).

I also have a Fidelity TOD account with about $7k.

We're 100% debt free and have $30k in emergency fund and I'd like to be able to retire at 60 (or at least cut back). I feel WAY behind on retirement funds.

I would like advice on where to put additional money into retirement as I continue earning. I'm thinking about buying more ETF's in my TOD account but want to consider other options that might have tax advantages I'm unaware of.

Thanks in advance. 😊

I am finally learning to invest and currently have about 90% VT the other 10% VXUS. I want to keep things simple as I dont know alot and want to keep it as set and forget as possible, so i plan to keep most of my portfolio in VT. But I would like to add something that is a little more growth focused. Not sure what to look into that is growth focused but not high risk, as well as too heavy weight overlap with VT.

Any suggestions or opinions would be great. Or if anything isnt making sense please let me know, I am very new

Hi, I am currently investing 100€ every month in the iShares s&p500 etf and I treat it as a “retirement fund”. I want to create a separate investing portfolio with more aggressive strategy where to invest 200-300€ a month for a shorter time period (around 5-8 years).
Any recommendations on a specific etf/stock or overall a specific sector/s?

Which ai etfs cover all or most of the ai layers such as energy, semis, memory, infrastructure?

After watching Schwab Investment day this spring and learning bits and pieces, I've come up with an ETF- driven investment plan I am considering using with about 3.5 to 4K per month USD. I'm pretty new to buying stocks and ETFs but have the lofty (crazy maybe?) goal of getting as close to 1M in 10 years as I can. I also tried to incorporate information in the recent Goldman Sachs report this spring, 2026.

Here are the percentages, which I realized I have to do using a brokerage that allows the purchase of fractional shares given that these are a percentage of a total dollar amount. Please share your insights this long term plan.

This is numbers based on 3.5K USD monthly. I've thought of investing in helium also, .

VOO (US Large Cap): 25% ($875) DXJ/EWJ (Japan Equity): 8% ($280) VWO (Emerging Markets): 5% ($175) INDA (India): 3% ($105) AVUV/VTWO (Small Cap): 8% ($280) ITA/KDEF/EUAD (Defense): 12% ($420) XLU (Utilities): 8% ($280) COPX/URA/REMX (Commodities): 11% ($385) GLD/GDX/SLV (Precious Metals): 9% ($315) CVX/OXY (Energy): 4% ($140) BND (Bonds): 2% ($70) SGOV/VMFXX (Cash Reserve): 5% ($175)

So that comes to 42K USD per year.

If it's a good plan I would check on it quarterly for things that suggest making adjustments:

Oil < $90/bbl: Reduce energy, increase VOO. S&P 500 correction (-10%): Deploy cash to VOO. Inflation > 4%: Increase utilities, gold, commodities. Iran War ends: Major rebalance; reduce energy/gold, increase growth. Gold > $5,500/oz: Take partial profits. Fed cuts > 100bp: Reduce cash, increase equities. China rare earth embargo: Increase REMX, MP Materials

I'm trying to think about taxes, too so:

Roth IRA: Highest growth assets (COPX, URA, KDEF, AVUV, GDX). Traditional 401k/IRA: Income-heavy (XLU, BND, dividend payers). Taxable Brokerage: Tax-efficient (VOO, VWO, EWJ)

I want to say thanks to the community for helping one another. I read someone's comments that Nebius looked good and gave reasons for a string likelihood of an increase in value, and while I know I can't take everything I find on the internet and implement it, I bought some of their stock then and the value has doubled... followed by some volatility. I prefer not to invest directly in AI companies except that instance. That's why I'm trying to invest in the building blocks.

Can I transfer my TFSA to my son or will I have problems with CRA?

Ich habe schon seit 5 Jahren ein langsam wachsendes Portfolio mit 2 ETF‘s und habe aktuell die Möglichkeit eine Einmalzahlung zu investieren. Könnt ihr mir empfehlen wann ich am besten einzahlen sollte? Ich habe Dow Jones Global Sustainability +46% seit Kauf und MSCI SRI EM +35% seit Kauf.

TL;DR - pFinTools.com/iNAV shows you all ETFs in India, category wise along with their iNAV and what premium/discount that ETF is trading at so that you can choose an ETF with the least premium over iNAV. It also shows when the iNAV data was actually last updated by the exchanges so that you know whether the iNAV data (on pFinTools or NSE/BSE website) is relevant or not.

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In February 2022, the markets regulator directed AMCs to stop accepting fresh inflows into international mutual funds because the industry had exhausted the overseas investment limit of $7 billion set by the Reserve Bank of India (RBI). Since then, this limit has not been increased despite massive depreciation of INR, inflation, increased economic capacity etc. This has led to a lot of demand-supply inefficiencies as a result of which seeing 20-40% premiums on International ETFs are common while fresh investments in international MFs either get discontinued or the funds themselves get merged with other funds.

Over the last year or so a similar trend has also been seen in Gold and Silver ETFs where investors are paying noticeable premiums owing to volatility and speculation.

So I made an ETFs iNAV monitor that shows the list of all ETFs in India, category wise along with their iNAV and what premium/discount that ETF is trading at so that you can choose an ETF with the least premium over iNAV. It also shows when the iNAV data was actually last updated by the exchanges so that you know whether the iNAV data (on pFinTools or NSE/BSE website) is relevant or not.

Now here's why it matters in brief -

1. There is no other platform where you can check the whole list of ETFs and decide to invest in the one with the lowest premium. While you can go in and manually check iNAV individually on NSE/BSE website, not only will that be time consuming, it will be outright wrong as I explain in next point.
2. If you rely on NSE/BSE website to check ETF iNAV, I am genuinely sorry to report that in many many case (like 90% cases for BSE and 40% cases for NSE) - the iNAV data is simply wrong. Wrong in the sense that it is not updated, sometimes for weeks, sometimes for months even, that is if the data is not unavailable altogether. My source of data is also the same as NSE/BSE but how I have corrected for this is that pFinTools will show you exactly when the data was last updated. So even though I check for data continuously, if I do not register a change in the data for a long time, I will show the last updated status for that ETF's iNAV as updated "a month ago" or something like that depending on the case. This is also why I have refrained from showing exact time for last updated as it might lead to un-necessary doubts.
3. As a calculated choice, the website does not show any past returns or expense ratio data as we are not trying to sell you any ETF. You can use the rest of the internet to form your judgement of whether you want to invest in gold or silver or any other index and then use pFinTools to make an educated decision while choosing an ETF for the same by looking at the iNAV and corresponding premium/discount data.

I do not want to name names but just know that as of writing this post, this is the only real way to monitor iNAV of ETFs in India. It took a lot of effort to literally go through each and every ETF, one by one and decide on where the data is being reported correctly and how etc before being able to publish it. Even after that, I did not publicly announce it (except for a soft launch) for over 3 months after the website went live. The reason being, I feel this is the first product I have made where it feels like I have provided the problem rather than the solution as most of the ETFs do not have updated data - which is a shortcoming of Indian Financial Systems rather than pFinTools as this data is unavailable/wrong on NSE/BSE.

You can try this at pFinTools.com/iNAV right away and do let me know your thoughts and any feedback you might have. I will encourage you to cross check the data being shown on our website for iNAV with NSE/BSE website before acting on it and if you find any discrepancies, do let me know. If you are want to follow this more closely, feel free to join r/pFinTools

Anyone in on this one?! Looks like solid gains, I have it as 5% of portfolio and thinking of adding. Thoughts?

Hey guys I just opened a ROTH IRA. I’m planning on maxing it out and have auto transfers and trades scheduled to do so. I’m investing 70% QQQM 30% S&P500 (whatever fidelity’s index for that is). What do you guys think about this? I’m want to be risky since I should have a lot of time in the market. I also read that high growth in ROTH is preferable due to no tax on growth. I will also be putting extra into a brokerage but have no idea what to invest that into. I make about 70k a year right now and have an emergency fund and get my employer match on my 401k. No debt. Do you guys think I messed up with this decision or not? If so how could I fix it? What should I invest in the brokerage account? Am I doing this right? Any advice on how to not overlap on stock covered in ETF? (I read this is a common mistake people overlook)Thanks for all and any advice! Please ask if more info is needed.