Parents won a settlement of 220k. They only have 50k in savings. Super healthy and active but obv in their last phase of life. Where would you recommend they put it? Perhaps a HSA? They don’t have much, live simply but would love for the money to last until they pass on. Father makes about 80k year including SS.

We just sold a property and I’d like to invest it and I’m looking for a little advise. We plan on keeping it in where-ever we put it for 3-4 years. I have done a little research but investing isn’t my thing so I’m here to ask for some assistance.

Here is what we’ve looked at so far:

S&P Index Mutual funds CD’s High Yield Savings Account Another idea

Can you offer some help to someone looking for assistance?

Thank you

Hello all, I have a question regarding TDFs. I understand with ETFs and stocks at some point you just sell the share when you are ready to, but TDFs have a maturity date right? How do you cash out when they reach the target date? I am invested in a 2060 fund within my Roth IRA and my company 401k. I suppose the question really is what happens in 2060 to the TDF for me to collect the returns?

Hi everyone, I’m looking for recommendations on a comprehensive app to track all my investments. Ideally, I’d like an app where I can manage stocks, bonds, or ETFs from the stock market. It would be great if it also supports tracking crypto, real estate assets, retirement funds, or any bank savings accounts. What apps do you use for this purpose, and what do you like about them? Thanks in advance for your suggestions!

I plan to travel the country taking nursing contracts and living in rented housing after selling home. Should have 50(ish)k after sale to deposit after paying off mortgage and fees from sale. Plan to eventually use funds for down payment 1-3 years from now. Where can I park it to make a little extra at the end of my travels? CD? High yield savings? Would consider some higher risks on like 10k and safe for the remaining if anyone knows a good method. Obviously there is no 100% right answer but just what y'all would do if you were 30(F) 34(m) and not planning on having kids? I have 12k personal loan to pay off cc debts. And owe 20k truck payment 600ish a month. 50k Student loans combined roughly 500 a month. Combined income 197k yearly. After traveling will make around 130k yearly. Thanks!!!

so hello i am new investor and i always wondered what happens when the service i signed up with goes bankcrupt or something? doesnt exist anymore, how will i be able to cash out my money?
now i am using trading 212 but i have no idea if those stocks and bonds are in my name.

i just want something to invest to ETFs, and to be certain that after 40 years i will be able to get my money. what is everybody else choosing and what makes them not paranoid?
Thank you

I have a Vanguard SIMPLE IRA from a previous employer which was opened like 10 years ago that I am trying to convert into a traditional IRA since Vanguard is divesting themselves from employer plans. The person I spoke with at Vanguard said I need to open a separate traditional IRA account (which I've done) and use the "Exchange (sell to buy) Vanguard Funds" tool which is listed under "Transact" on the SIMPLE IRA.

My question is whether this affects my taxes? The SIMPLE IRA is split over four different Vanguard funds. Do I need to individually sell the amount from one fund from the SIMPLE and put that exact amount into the same fund in the traditional (four times, once for each fund I currently have)? Can I sell all at once and reallocate them into different funds (like into a target date or VTI or something)? I'm just trying to stay the course with this account (I just don't want to have it automatically moved over to Ascensus) and don't want to get hit by a penalty or tax event that I wasn't expecting.

Is there too much overlap? Should I just invest in mostly VOO and then some individual holdings of the “Big 7”? Thanks for your help!

Portfolio: 22% VOO 22% SCHD 22% BRK.b 22% VGT 12% LVMH

https://dashboard.m1.com/share?token=df1e8532-a656-3da3-9815-2f815b19dd71&referrerCode=QPuSuWjhW3bO

Here's an overview of my situation:
I don't make much (~47k net annually, after taxes), but i do want to optimize my finances. I have a 401k that's a Vangard 2055 target date retirement fund, also 10k in i-bonds, so these two are set it and forget it (debatable about the i-bonds though). My real question is focused on my savings. I have 35k in Capital One's Performance HYSA which is currently 4.25% APY. I get around 100$ a month from that interest, which is nice. I also have one stock in my Robinhood account that I've invested in, which is the index fund VTI. I only invested around 2k in there a couple of years back (wish i did more). So, my question is simply how much would you recommend I move from my savings account into VTI? Also, what about timing, should i wait for a dip or invest gradually over time (DCA, is it called?)?

Hi Everyone! I've searched and still haven't found a great answer as what to do for my kids. I'm in PA and have 2 kids under 3. The past few years they've been gifted a significant amount of money to the tune that I have $30k for each of them just sitting in savings accounts because I don't know the best option. I've looked at 529s and am interested, but do I put all of the money into that? Put some in that and some in CDs and some in a brokerage? Any advice would be appreciated. Thank you!!

I have no idea how else to phrase this question but let me try to explain because I'm still VERY new to the world of investing.

Say I have 1 million USD spread over individual stocks. If I want to actually "use" that money, I'd have to sell, right? Then take all the sweet gains (after handling tax implications of course).

Now obviously I'm not gonna sell ALL stocks right away, but I'll sell some in order have some take home money.

Now the issue I see here is that I have less money in the market, which means my potential for growth is now less right? I own less individual stocks now and from what I see I'll have to sell more of my stocks in order to access the money? But then by this logic, eventually I'll keep selling to recieve the gains and have no more money in the market once once my I own nothing in the market...and then what?

Can someone help me understand the missing piece here? I was under the assumption that in a perfect world, you would always have money in the market that you can pull from but the gains you get is greater than the amount that you're pulling.

I know I'm generalizing so much but could someone help me understand this situation?

Hi, I'm based in US, and I noticed that one of the companies I'm looking at has listed its stock on the OTC market, but both in common stock and in an ADR.

I'd like to say I have some understanding of what common stocks and ADRs are, but from on investor's standpoint, what are the implications of buying the ADR over the common stock. (ADRs seem more liquid, but that's all I've figured out so far)

For your reference, Ticker Symbol is NGLOY (ADR) and AAUKF (common stock)

I am shifting my taxable account from a robo-manged portfolio of individual names to a self-managed portfolio of ETFs. One benefit I am losing out on in this shift is having big gainers to siphon off to my donor advised fund to avoid paying capital gains and maximize my charitable contributions.

One way I thought to partially mimic this strategy with ETFs is to take my Large Cap US mix and split it into SPDR's 11 Sector ETFs. Won't have as big of gainers as individual names, but will have certain sectors outperform S&P substantially in some years that I can move into my charitable fund.

My question: would weighting each sector based on its Estimated Weight of Components in the S&P 500 effectively replicate the S&P?

I'm also open to any comments on my general strategy as it relates to maximizing tax advantages and charitable giving with sector ETFs as I haven't seen it specifically mentioned elsewhere.

Hi community!

Newby here, I'm reading a lot and learning. Sorry if this is a very basic question...
I am confused with the Morningstar Tax Cost ratio of a fund or ETF. Is it:

A) The % of your earnings that you have to pay in taxes (assuming high tax bracket, etc etc)

b) The % amount by which the ETF effective return is reduced.

To put it in an example. Say I invest $ 100 into an ETF that had a return of 50% and a Tax Cost ratio of 2 % , for a year.

At the end of the year, I sell it and now I have $ 150.

If Tax Cost ratio is A) then I made $ 50 on my investment. 2 % of 50 is 1. So after taxes, I really made $ 49

If Tax Cost ratio is B) then the ETF instead of having a return of 50% in a year, it will have a return of 48 % (50-2). So after taxes, I really made $ 48

So what is it? Thanks!

Gonzchi

So I learned that my 401k is a combo of both pre and post. I was thinking of moving what’s is post to my Roth IRA so I can have full control of where to invest the money. As for the pretax money also move it to traditional so I can also have control and not be limited by the options in my jobs 401k.

Additionally if I move my 401k post money to a Roth can I relocate the money in the 401ks investments to whichever indexs and bonds I’d like within the Roth since I’ll have full control of where to invest it?

I’m having a hard time allocating more than 40% to stocks and even then I find myself selling random holdings after determining they are either no longer cheap (NTDOY) or due for cheaper prices ahead (SBUX). Foreign and emerging I can stay the course because they are not expensive, maybe I should increase those to compensate.

I’m a Canadian investing through my TFSA but I have U.S. ETF’s mixed in.

anyways … assuming I can invest in any HISA ETF that provides guaranteed monthly or quarterly payouts… (meaning its impossible to lose money) which one has the highest interest rate?

I’ve heard of some Canadian ones that offer 5.1% interest (CASH.TO) but it got “nerfed” and now has less than 5%.

Wondering if there are any American alternatives or Canadian ones I haven’t heard about that payout higher than 5% annually?

Does anyone know? I have no access to a Bloomberg terminal or similar so this is what I could find by using Google. MSCI USA Momentum with 13.05% from June 1994 vs. 10.61% for MSCI USA https://www.msci.com/documents/10199/f3a22268-affd-478a-b7a7-50dc90fad923; and MSCI USA Information Technology Index with 14.05% from December 1994 vs. 10.59% for MSCI USA https://www.msci.com/documents/10199/5b6344f1-be32-47d1-b05b-8145dfca925b

Hi 👋

Whilst I have a keen interest in stocks and markets, I’m not a day trader. Over the years my crux has been time. I can’t physically sit there and watch the markets for a buy/sell signal.

Instead, I’ve done a significant amount of historical analysis and would like to expand this with scripts that execute custom buy/sell trade.

Seeking recommendations for trading platforms that have development environments.

Either scripts that can be built in the platform to execute when buy/sell indicators emerge.

Or trading platforms that execute scripts from an external source when buy/sell indicators emerge.

Lastly, seeking up to the second live API requests that can feed into dev environments.

Give me your recommendations!

I've been at my previous job for quite some time so there's quite a lot of money in there. They use Fidelity, and I dislike them with a passion. Since my new job also has a 401k, I am wondering what the next steps should be...? For context, I have both a Roth 401k and 401k.

Option 1: Roll over previous 401k to new 401k

Option 2: Roll over previous 401k to IRA

• Any pros/cons to going with either option 1 or option 2?

• What if the funds in my previous 401k don't exist in my new 401k or IRA? Will they still be able to roll it over?

Option 3: Keep at Fidelity

• For 1, I've disliked their customer service and their brokerage portal.

• 2, I want to minimize the amount of accounts I have

Other question:

1. Since I've already contributed some money for 2024 in my 401k, what should I do moving forward with my new 401k so I don't over contribute?

So I just paid for MorningStar’s investor subscription.

How can I maximize my subscription?

So far, I read the articles on trends and look at the input from their analysis summary. The stock screener tool is useful although there’s free ones available elsewhere. Their star ratings are neat as well!

Are there other features to the Morningstar platform I’m missing? How do you utilize Morningstar?

I am referring to the more catastrophic and major risks.

I look at some companies such as BYD which seem underpriced.

And the counter is “don’t invest in China, it’s not worth the risk”. What are the risks exactly… I lose all my assets? My assets are frozen?

I feel like no matter what news come up, the S&P goes up no matter what for the last months. Inflation is nowhere under control not where the Fed wants it but thanks to Jerome Powell talking about lowering rates in December ridiculous amounts of rate cuts were priced in throughout the last months. These have, however, been mostly priced out but current relatively high rates are probably about to stay for a while. Is anyone else weary wary about this situation?

Inflation is still high, even higher in the last months if one annualizes them. It does not look as optimistic to me as current market trends seem to view the situation. I know, timing the market is super difficult or near impossible and I do not intend to do wait for a crash or a correction but I am more hesitant than I would usually be. I invest new money monthly, however, I am interested to hear what other people make of the current situation and with their cash positions.

I understand that most people should stick with a well-diversified portfolio to capture market average returns and use low-cost funds. However, I can’t help but think that technology will be the strongest growth sector in the next 10 years.

Maybe it's because I work in IT and I'm biased, but I believe that in the next decade, portfolios with the highest exposure to the technology sector will outperform the market average. By exposure to the technology sector, I don't mean picking individual tech stocks but rather buying funds that focus on that sector.

I'm prompted to ask this because of the recent updates from OpenAI GPT-4o and Google's Gemini. Technology is advancing at an incredible pace, everything seems to be growing exponentially. I think we haven't yet reached the point where AI is widely used in all kinds of businesses.

This line from The Three-Body Problem really struck me and got me thinking:

Humans took more than a hundred thousand Earth years to progress from the Hunter-Gatherer Age to the Agricultural Age. To get from the Agricultural Age to the Industrial Age took a few thousand Earth years. But to go from the Industrial Age to the Atomic Age took only two hundred Earth years. Thereafter, in only a few Earth decades, they entered the Information Age. This civilization possesses the terrifying ability to accelerate their progress.

What do you all think about this? Do you believe that investing more heavily in the tech sector, but diversified of course, will yield better returns over the next decade?

Say I've been holding SGOV for several months, or at least the beginning of this month. Today, the 17th, I thought about parking the money somewhere else, sold the SGOV shares. However, at the last minute, had a change of mind. I decided to re-buy the same amount of SGOV shares.

My question is, did I lose the dividend I accumulated from beginning of the month until now by selling and re-buyng the shares today?

Or will that still be paid out on dividend day?

Thank you.