I'm 20 years old trying to start thinking about retirement and long term goals. I've been interested in the investment world and the stock market, but didn't know how to get started. After talking to some people who are involved in it, I've been recommended to start DCAing into an ETF. To give a quick overview of the why, I'm trying to give myself another retirement fund option for 30-40 years down the line. I was thinking of putting some money every month into something like SPY or VOO. I understand that the stock market is at the lowest it's been in quite some time, and I shouldn't expect any growth for a while. At this moment, I'm not in the position to learn everything there is to learn about the stock market, but I also want to take advantage of this low, which is why I want to go the route that I've stated.

I'm seeking advice on what I should invest in (ex: SPY or VOO), is now really a good time to do it, are there better routes to go, etc, etc...

Obviously this isn't my only retirement fund, I've also been looking at getting a Roth IRA started, as well as my career offers retirement plans.

Any advice would be greatly appreciated.

I’m really not too knowledgeable when it comes to bond etfs so I’d like to know some of your thoughts on the different bond ETFs for my brokerage account. Is BND the go-to?

What about for short term (less than 5 years) vs long term (5+ years)?

Hello guys,

This is not the right place i know. But i don't interest about dividends because in my country tax problems so much and so much paper work about it.

I'm searching for low exp ratio and passive things.

I'm thinking about 40% QQQM 40% VOO and %20 VT, one SP500 one is NASDAQ and another one all world.

Someone please help me

Hey, I am interested in WEBG Amundi Prime All Country World UCITS ETF Dist, as I am looking for a distributing / all world / european fund manager etf. The only problem, aside from amundi's reputation, is the annual dividend distribution.

This got me very curious and I tried looking for some reasoning for it but couldn't find anything. Personally I much prefer the quarterly dividend offered by VT (VWRL for me) and most lookalikes, but most / all of those are by non european fund managers. After looking into it I found out that most (or all?) of amundi's distributing etf's do so annualy, so I guess it is their policy.

Which brings me to my question, why? I don't really get it. I don't thing it changes taxes for anybody, right? I was thinking maybe they want to do a mini accummulation, like reinvest the dividend till year is over and then pay out for aditional gain, but then they would outperform VWRL (or at least have a different performance), which is not the case. Is there any conceivable positive effect of this? Or is it just a quirk of amundi? Does it help them reduce the expense ratio somehow?

PS: any recommendation for an etf hitting my three criteria would be much appreciated

I'm 19 and had raised 2500 after a few months to slap into a Roth and put it in voo to start with and in a week I lose 300. 😭 I know it's the long game but these first impressions are not it

I know i shouldn't worry and just keep DCAing, but still...

I know it’s a long-term play, and I’m not panic selling, but damn, watching that red number hurts.

I bought 72 shares yesterday at €89. I see a lot of panick.. see this as a huge opportunity to buy more at a cheaper price :).

Any thoughts or recommendations? Think I’ll continue DCAing into my typical asset allocation 80%US and 20% international, but considering relying my allocations going forward to funds that may be resistant to tariff induced recession.

PAVE , SCHD?

Looking at the development since the last time I considered moving some money away from US equity (and not doing so, sadly), I think now is an opportune time for me to diversify.

I initially considered going World ex-US to cover, well, everything.

Between the TER of 0.15% and general global, I've also considered going Europe only, with either going Core, MSCI Europe (both TER 0.12%, so not a huge difference) and the Eurostoxx 600 (TER 0.07%)

Of course the TER shouldn't be the deciding factor here, although I think it's noteworthy.

And it goes without saying that no one can accurately predict the future or how markets are gonna move, but I'm interested in your take nonetheless.

What would your play be if you had to get any of them?

Go with an "I can't know, so I'll just own everything" or "I don't want to miss out on potential success stories in EM" and go with World ex-US to compliment US-exposure?

Or would you be like "In a time of crisis, chaos and peril, from Korea to Taiwan to the Middle East, I'd rather go with well-established, developed markets and go with Europe even if it means missing out on potential gains from China, India, Indonesia,..." and go with one of the Europe-only?

If so, which of the three do you prefer in terms of allocation? (Interested to see if your preferences align with mine).

Any constructive input is much appreciated!

Was easier for ishares and SGOV

1. For ishares/SGOV, I found this one:

https://www.ishares.com/us/literature/tax-information/2024-ishares-us-government-source-income-information-stamped.pdf

And I'm assuming that my profit from SGOV is 97.53% free of state taxes?

2) But then for CLIP, I am more confused what to do

https://www.globalxetfs.com/content/files/2024-Year-End-Tax-Supplement-Global-X-ETFs.pdf

I don't really understand what I'm looking at. How do I figure out federal vs state tax from this big table of 0s and stuff? How would you explain it to an 18 year old? Trying to figure out how to enter this all into TaxHawk tax software

Was easier for ishares and SGOV

1. For ishares/SGOV, I found this one:

https://www.ishares.com/us/literature/tax-information/2024-ishares-us-government-source-income-information-stamped.pdf

And I'm assuming that my profit from SGOV is 97.53% free of state taxes?

2) But then for CLIP, I am more confused what to do

https://www.globalxetfs.com/content/files/2024-Year-End-Tax-Supplement-Global-X-ETFs.pdf

I don't really understand what I'm looking at. How do I figure out federal vs state tax from this big table of 0s and stuff? How would you explain it to an 18 year old? Trying to figure out how to enter this all into TaxHawk tax software

I

Cashed out my VOO at $502 and already saved 400 bucks. Parking in SGOV until VOO is closer to 50% down. The actual tariffs haven't even started yet.

Continue to DCA into VT or something else?

Hallo everyone, i need help with strategy, i have kid 1 year old and i want to make him 200k300k if it's possible when he will be 18 or 20y old. First buy in 4k and after monthly 300euro. Where should i invest stocks,ETFS,Bonds Gold Silver , Who can help with strategy pls share Thank you everyone

EUAD: US EUR AER DE ETF

Rose as fast as it fell overnight. Down 10% probably a good time to buy.

Anyone understand why European defence stocks companies would get pumped like that?

Hey!

Been running the numbers last night - cost, taxes, dividends. And putting taxes aside - imagine you’re not paying taxes - doesn’t BRK.B reflect better & more stable performance than VOO or any index fund? I mean BRK feels like a tailored fund of its own then why not invest in it instead of SPY / VOO or whatever

I heard that america is no longer a trustworthy nation to do business with. so even more countries might become isolatonists.

Hello guys I need your help.

I'm from Europe and I started investing 3 months ago into S&P 500. I'm investing into ISHARES Core S&P 500 (IE00B5BMR087). However I don't understand at all why is this ETF dropping much faster than S&P 500 itself. Currently the difference is about 5% drop compared to S&P500. In addition the US dollar weakened in comparison to EUR.

Do you have any idea why is this happening?

I've seen a lot of social media posts saying this time will be worse than 1929 and the worst economic crisis the world has ever seen. how likely is this?

I know it's small money and I don't have an options account so I rolled the dice on a bull leveraged etf ..and it went nuts today. Sold it before end of day. The right move..right? Keeping it cash.. At least till April 9th when