Didn't realize the wash sale rule could still apply when you're using a regular brokerage account and a Roth IRA.

Say you sell shares of AAPL at a loss in your taxable account and buy them again inside your Roth within 30 days. That can trigger a wash sale even though the accounts are different.

I've been keeping my moon price bets separate from actual stock investments, but learning how these brokerage rules interact is another thing entirely.

Kinda surprising how easy it is to make a tax mistake while thinking you're just moving money around.

Basically I've spent the past 2 weeks doing research until my eyes are crossing and my vision is blurry.

Won't know exactly how much the inheritance is for a more few months (estate hasn't closed), but probably in the 500-700k range. Currently it's in a brokerage account. I don't think any of it is an IRA account, but won't know for sure until later. Would very much like to have this worked out before the money actually comes in, so I can simply put a plan into place.

I'm 70 years old. My only source of income is social security at $9600 a year, along with SSI which will end when I receive this. Share living quarters with my partner who has roughly $16,500 annual income. That's $26,160 for the both of us. No savings outside of a small emergency fund. Things are tight, but we live in the south and this has been doable.

I own my house and car. Still owe 15k in student loans, which will be paid upon receiving the inheritance. No other outstanding debts.

Unsure whether it would be better to put $200-250k into an annuity for predictable monthly income (life/20 year certain, with my partner, then grown children as beneficiaries) and putting the rest into a S&P 500 ETF fund + mutual funds (50/50 split?) or putting everything into the ETF fund + mutual funds and withdrawing 4% per year (adjusting for inflation) would make more sense.

Primary goals: increase annual income to $40k, travel before health makes that a bad idea, have money for independent or assisted living in 10 or so years (or memory care...), and to leave some behind for the kids when I die.

Hopefully this is clear, happy to answer questions if not. Have I missed anything obvious (or not)? Suggestions? Resources other than the wiki here, r/bogleheads, charles schwab, youtube .... who's very reliable and easy to follow?

EDIT: Will be consulting a fiduciary. Was surprised to see that even fee based fiduciaries want a percentage - hope to find someone that will charge an hourly fee. And that's part of the reason I'm here, trying to figure things out ahead of time. Thank you for the replies so far!

EDIT #2: The student loan repayment was deferred due to an injury that took me out of the work force at 40. This is also why social security payments are so low. Interest continues to accrue; the amount I borrowed was less than half of what I currently owe.

I'm 18, I've been investing for only 2 months and have around 800 euros in a nasdaq ETF, which makes up 100% of my portofolio, thus it's pretty concentrated.

I will soon be receiving a lump sum of 3400 euros and I have no idea what to do. Do I invest it all in nasdaq 100 and keep a concentrated portofolio since it's too early to diversify? Do I divide my money in an 80/20 with a global ETF? Or maybe gold? When am I even supposed to start diversifying? Once I reach 10k?

After whatever I do with the lump sum, I'll only be investing roughly 100 euros monthly as it is all I can afford, I do not work and I'm still in highschool, my parents support me financially so I have no need for an emergency fund.

I know there's not a universal rule and I should choose a portofolio that allows me to sleep at night but I also want to make sure I'm doing the right thing. My main target is to maximize profit, so naturally I felt a bit averse to diversifying using a global ETF since what my brain understood is that although I'll be more protected from losses, I'll also be losing out on profits. So doesn't it just cancel out? Do I have it all wrong?

I tolerate risk pretty well as I've just recently lost almost all of my profit but I had no urge to sell. I'm aware losing profit and losing your actual money is different psychologically but that's all I can say since I've barely started inevsting. What should I do?

I’m going to max out a Roth IRA this year and again in January.
Should I invest it all in VOO ? Mix of VOO and VT?
Should I have some bonds for safety?
Should I wait until after the midterms?

I’m 50
I have a 401K that I’m increasing % on
Income 85-95K
Stable job but some fluctuating income

My grandparents left me a little over 85k and I'm very lost on what I should do with it. I have already set aside some money to purchase a car, so currently I have about 63k that I am free to invest and I won't need to access this money in the near future.

I have a brokerage account with 5k sitting in it, but I have not purchased anything and I am hesitant to start because I don't understand anything about investing and trading beyond very basic information. I was thinking about just buying the s&p, as many people suggest that for beginners, but I don't know how much I should invest, and I don't know if it is important to "diversify" and invest in other things as well. I hear a lot about IRAS but I know even less about that.

What would you advise me to do? And I apologize I'm not very familiar with any of this or the correct terminology! Thank you

I'm 23 and i have about $190k in cash saved up. I don't invest at all right now but I know I really should start soon.

my goal is to have around 70% of my savings invested and I wanted a mix of both aggressive but more risky stocks and something more stable + long term.

I'm SUUUPERR new to investing so I wanted to know a couple things
- what's a good split between the two?
- How do I choose which stocks, etfs, etc. to buy (what factors to look at)?

Would you invest the full £20k now or spread it over 3–6 months to reduce the risk of buying just before a market dip?

Think I know the answer but curious to hear people
Opinions with the recent dip

I am a 18 yo living in romania and i saved about 650 euros from my birthday party. My national currency devaluation is pretty crazy and my parents have a mindset that i believe is detrimental for my long term wealth(keep the money under your bed or anywhere in the house BUT NO BANKS). I made a revolut account and the brokerage account seems easy to use. My idea is to put 500€ in sp500 and 150€ in a saving account, any thoughts?

I am a 18M college student doing engineering in india , i want to start investing , how do i learn and start.

i have zero prior knowledge of investing and finance related stuff

I am 50 y/o and I have a 401K with my company for 22 years and I contribute 6% which is also matched by my employer. I have a mutual fund that is classified as moderately aggressive that I bought into about 10 years ago with $20,000. I have a Schwab account with just over 50K that is majority SCHX and then QQQM and VXUS.

I am starting a ROTH IRA and will contribute the max of $7500/year. I am looking for advice on where I should put this money into in terms of conservative vs growth factoring in what I already have invested above. Schwab is showing some CD rates right now over 5% which seems attractive considering the low risk. Any advice is greatly appreciated.

Hi, I have been saving for a while now, doing vactions jobs and some side hustles. I have 10k ready to start investing. But I have absolutely no idea how to start. And how I should spread. I am almost turning 18 so I can’t wait to hear from the advice of you guys :).

I made good profits from NASDAQ 100, MAFANG but feel like it's better to profit book a bit given the AI spending questions . But I don't know how to invest such a lump sum money right now. Should I consider arbitrage funds and deploy slowly? Or should I consider large cap/small cap or gold? Any suggestions on themes outside AI that I can invest now ( India or outside)

I am thinking of investing 1k euros in 3. iShares Automation & Robotics UCITS ETF (RBTX / RBOT) and 1k euros in NASAQ 100. What would u recommend? it is risky but considering demographic decline and general performance of tech, it could capture profits really well.

Unsure where to invest. Should I stay boring and invest in SPDR MSCI ACWI IMI UCITS ETF (SPYI). Also thinking of investing all the money in NASDAQ-100, I think with 10 year the risk is mitigated unless a type of dot-com crash happens? Goal is maximum wealth generation. What would u recommend?

What you will
Do with 100k cash as investment ?

That 8-session losing streak for the semiconductor index is wild, down nearly 16% to hit its worst run since the 2008 crisis. A lot of folks are rushing to call a bottom and load up, but remember: rare pullbacks don’t automatically equal a no-brainer buy. Still chilling, holding through the noise instead of FOMOing in right now. Who’s sitting this dip out too?

Current holding: $TSM 417 NVDA: $217 AMZON: $252 GOOGL: $343. Is this too heavy on tech stock?

Hey everyone! I'm a 16-year-old junior looking to get into stock investing. I'm the first in my family to try this out, so I don't really have many resources to help me. I'm trying to save up for a car since I have to pay for it and the insurance all on my own. I'd really appreciate any advice you all have! Also, if you have any suggestions for some lower-risk stocks that might do well in the future, that would be awesome.

I recently started investing, but don't really have the time to constantly monitor and research the market.

Is it a good idea to invest something like 66/33% to VOO and VT respectively or are there better ETFs or stocks to invest in?

After reading a few books, especially Common Sense Investing and Psychology of Money and watching a lot of youtube videos, i finally decided VTI and VXUS as my core portfolio for the long term. I only started investing earlier this year.

I do understand that VTI is 85% VOO (Approximately) and both have performed almost similarly within a percentage of each other in the last decade or so.

I have very Little VOO and most of what i have is VTI. Over the last few months it has been very clear that only the top 10-15 companies in the S&P 500 are basically keeping the indices moving. The mid and low cap companies have taken a hit really bad. Over the past few months VOO has been doing okay but VTI has pretty much stayed the same or even fell down by a bit. I do believe this is an indication that how much the other companies that are outside the S&P 500 are taking a hit.

By the looks of it, it appears that the tech companies and the other ones in S&P 500 are just rotating money in the tech/chips sector and a lot of small businesses and mid range companies are taking a hit.

What would be a better strategy.....VOO or VTI.
I know most advice says automate and forget, but since I am a beginner, I want to know what do do

I am a 20-year-old female full-time university student and technically a full-time worker. I opened an FHSA a couple weeks ago and just opened a TFSA.

I get paid every 15th and last day of the month for 64hrs+/paycheque, $21.50/hr.

I currently live at home, I pay my car insurance yearly (so no monthly payment), my biggest expense is gas every week and a half, but other than that I have low spending and want to prioritize saving and investing.

I have $5,560 in my FHSA right now invested in XEQT. And I just opened my TFSA last night, and put in $100 in VBAL.

My plan is to max out my $8000 FHSA allowance for 2026 by putting in $560 every paycheque (will reach goal by December). Currently my plan is to put $100 every paycheque towards my TFSA until January when I can distribute the money I put into both more evenly.

I guess what I just need advice on is, am I setting myself up for success? What can I do better? I have very limited knowledge and no family or no one that I know invests.

My plan for my FHSA was a long-term investment. I’m OK with the money dipping as I hopefully don’t plan to need it for at least 7+ years.

I want my TFSA to build, but have less risk, but I’m not sure if that’s the most optimal way of thinking.

I have spendable and emergency money in a high interest savings account, about $2000 as I have $7000 invested in a property for my parents which they will pay back to me when my student loans come in.

Any advice? Any guidance? I’m worried that the research that I’ve done is way too surface level and I have no way of knowing if I’m actually doing anything properly.

Anything helps! Thanks!

Hi everyone, I’m new to investing in the USA. I’m a 32-year-old male. For the past three months, I’ve been hearing a lot about a stock market crash, a housing market crash, and overall concerns about the economy, so I want to be prepared in case something happens. Should I be worried about investing $26,000 more into my portfolio through a DCA strategy by putting in $650 weekly or $1000 weekly after maxing out my Roth IRA?

Some friends have told me keeping 60% in stocks, 30% international, 15% GLD, and 5% BND, saying there’s nothing to worry about. Others suggest reducing stocks to 40%, increasing BND to 30%, and eliminating GLD or just keeping gold in my Roth.

My current portfolio: Roth IRA: $10K — VTI 41%, VXUS 19.37%, AVUV 15.97%, GLD 8.41% / Individual: VTI $4,900, VXUS $3,140, GLD $707, BND $396. + $31,407 in SPAXX

What would be the ideal strategy for my Roth IRA and individual accounts for 2027?

Hey all, I'm in my early 20s and trying to learn investing before I touch any real money. I set up a $1k paper portfolio, mostly VOO and QQQ with a small NVDA position, and I'm tracking it against just holding VOO.

My question: how would I actually know when my paper trading results mean I'm ready? What's the difference between decent decisions and just getting lucky in a bull market? Curious what benchmarks or milestones other people used before putting real dollars in.

How can I recover losses from the stock market? Please help.

I was having a conversation with my mom about my stocks. I told her I am content with a 5% increase in my stocks every year. She told me she'd be content with 4.

Is it a safe assumption that the Vanguard S&P 500 will give you 4% interest rate every year? For how long?

Thanks.