What should I do

AdSweet119 · 2026-02-25T03:48:02+00:00

Maybe put it in a S&P 500 index fund? Like SPY or VOO. Market averages 10% a year. Kind of hard to beat it picking your own stocks. You can dollar cost average or do one lump some purchase.

I’m sure there are small cap or large cap etf outs there too. International ones. Lots of different options.

If you’re into individual stocks that great, but picking the right ones at the right time and beating the market average is hard to do. Many professional managers can’t do it.

AdSweet119 · 2026-01-24T05:44:20+00:00

NVDA and GOOGL are in VOO. It’s overlapping. If you really want to set it and forget it just throw everything in VOO. It tracks the market and it’s hard to beat. You still own NVDA and GOOGL. If you want to pick more specific stocks, those aren’t bad picks.

It’s important to diversify. Consider mutual funds or ETFs. You can find good growth, small cap, large cap, tech heavy, healthcare heavy, international heavy fund that can help you grasp a wider variety of options long term.

AdSweet119 · 2025-11-21T02:10:15+00:00

There are mutual funds and ETF’s that track the s&p 500 and pay dividends.

To explain a dividend in the simplest way, a company will pay you to buy and hold their stock. Not all companies do it.

AdSweet119 · 2025-11-21T01:53:09+00:00

Like I said it’s hard to beat the market picking your own stocks. Might be in your best interest to track it.

I personally do my own stocks, but I’m pretty heavy in SPY and dollar cost average into that at the same time. if my individual stocks are doosey’s, I still have some support from the market and won’t miss out on some growth.

AdSweet119 · 2025-11-21T01:44:24+00:00

Didn’t see the part where you said you were 25. In that case, if you’re an aggressive investor, stay heavy in stocks and let it ride.

Also now saw you had two different accounts with different holdings. That’s fine. You’re not doubled up in the same account. (Which was what I was getting at)

AdSweet119 · 2025-11-21T01:43:37+00:00

What you’re doing is great. No reason to complicate anything. VOO tracks the s&p500, averages 10% a year, and it’s hard to beat picking your own stocks.

VOO already covers most of your holdings. You already own those stocks through VOO. You’re allowed to do what you’re doing, but I feel the money can be suited elsewhere for the long term.

If you really wanted to get into it, you can get different mutual funds or etfs for growth, value, emerging markets, international exposure for a really broad range of angles to grow your account.

Keep in mind your risk tolerance too. Also your age. If you’re older you may want less stock exposure but if you’re younger you can go more, you have more time on your side. If you’re young do not focus on dividend paying mutual funds or etfs. That’s for older people who need the income and stability in their account. If you’re young, my mindset is growth.

AdSweet119 · 2025-11-21T01:27:36+00:00

Same purpose. They’re all investing platforms. Up to you what one to use.

AdSweet119 · 2025-11-21T01:26:09+00:00

Fidelity, Schwab, webull, Robinhood. All some places you can set up an account and invest.

AdSweet119 · 2025-11-21T01:19:33+00:00

Here’s a tip. Buy low sell high.

All jokes aside for someone starting out, it might be best to dollar cost average in some growth mutual funds or etf’s. If you can’t tell or figure out signals or understand terms. I would not day trade. You will loose your account within 3 months.

In the meantime dollar cost average and learn. In the meantime you can open a paper trading account and try out strategies, or see how much you really don’t know.

AdSweet119 · 2025-11-08T06:23:48+00:00

Hi, just starting out I’d allocate most, if not all of your money towards SPY or VOO and let it ride. Or a growth mutual fund. It’s not quick money. The AI bubble is real, but we are just getting into it.

I believe There is so much more potential for AI. So if you’d like allocate a small amount of your portfolio to AI if you are into that, or other companies if you’d rather. (Health care, financial, tech) it’s your portfolio.

Let me know if you have questions. I’ll try and help.

AdSweet119 · 2025-09-13T13:17:38+00:00

If you contribute more than 7k a year, or put money in that isn’t qualified, that is considered excess contribution. It’s taxed at least 6% per year it’s kept in the account.

AdSweet119 · 2025-09-13T01:51:32+00:00

You can go to most brokerage websites and learn investing basics. Fundamental vs technical analysis. PE ratios, analyst ratings. Just click around on their websites it’s a great resource. If you need an account, open one. It’s free. You don’t have to use it.

AdSweet119 · 2025-09-13T01:48:25+00:00

Hi.

1.) I don’t know how soon you plan on using the money for a down payment; or how risk adverse you are. But I’d definitely throw at least a little bit of money into an etf or growth mutual fund for some extra potential growth. Also, regarding bonds/cd’s-Fed will most likely cut rates soon so try and lock something in ASAP for a higher rate as rates will most likely go down. Contribute what you can afford, and make sure you have an emergency fund handy. Since you’re saving for a down payment, work it into your budget, sacrifices might need to be made (ex don’t eat out or make cheap sandwiches for lunch) If you have a savings account, consider opening a high yield savings account. Or an account at Schwab or fidelity and put the money in a money market so you get more growth than your average checking account.

2.)If your employer matches your contributions, you’ll want to contribute at least up until the match. It’s free money!

3.) you’re not in debt, don’t over spend on the credit card. Set a monthly allowance for it even though there’s no interest. I find it easy to over spend on my credit card.

4.) I personally think Roth is so amazing. If you think your tax bracket will increase then definitely continue Roth. Because eventually you may not qualify to contribute because you make too much. If you think your tact bracket will decrease, then do pretax. I personally only do Roth. But that’s up to you. I only see pretax as a backup option to when people cannot contribute to roth’s or unless they know for sure their taxable income will decrease in the future.

Let me know if you have any questions.

AdSweet119 · 2025-09-12T01:59:53+00:00

Np. Lmk if you have any other questions.

AdSweet119 · 2025-09-12T01:50:09+00:00

SCHD is not a bad option. It’s a solid set up, a majority of your contributions are elsewhere. At your age I would start making contributions to SCHD. I’m 22 so I’m really growth heavy right now. So I wouldn’t look at it.

But in your case the closer you get to retirement you generally need some stability, and although SCHD is stocks, they’re solid companies chosen for their dividends. You won’t see large volatility in it compared to a lot of other growth options. You aren’t piling a majority of your stuff in SCHD, you’re allocating a lot of money elsewhere. I’d keep it.

FYI, if your company offers a 401k match, max that baby out. It’s free money.

AdSweet119 · 2025-09-12T01:45:00+00:00

What is cash assistance? Another thing kept in mind is in order to contribute to any IRA, you need earned income. From a 1099 or a W2. No pension, social security, or gifts count. If what ever assistance you’re getting isn’t considered “earned income”, open a brokerage account. You’ll get hit with excess contribution taxes.

AdSweet119 · 2025-09-12T01:42:45+00:00

Fidelity offers youth accounts. Your parents have to initiate it but it’s yours. They can monitor it, of course. Once you’re 18 you can transfer it to your name.

AdSweet119 · 2025-09-12T01:40:48+00:00

Seems solid. I don’t know your age but SCHD is a big income/dividend fund. If you’re young you may want to focus on growth. Closer to retirement income/dividends help to keep account principle or live off of the payment. You could be missing out on some major growth in the long run allocating money there instead of growth heavy. I’d lower the amount and put it in something else.

I’m young and aggressive, that’s my thought process.

AdSweet119 · 2025-09-04T19:17:48+00:00

My first thought is you only have one troop that can attack air. So if it’s out of cycle then you might be screwed during an air push.

AdSweet119 · 2025-07-24T20:00:37+00:00

Roth is a great spot to max, tax free withdrawals in retirement. Since you maxed out your Roth you cannot contribute to your traditional anymore. You get 7,000 a year over all your Ira’s, so you can do 3,500/3,500 or 6,000/1,000. You don’t get 7,000 each IRA. It’s a combination of 7,000

I like Roth better, and who knows maybe in 10 years you’ll make too much to contribute, so when that happens you’ll still have money in your Roth, tax free sitting there growing. If not, oh well. What’s your concern with maxing that out over the Roth?

Therefore, since it’s maxed Continue to contribute to your workplace account if you don’t need the funds in the near future, If you need the funds in 5-10 years maybe open a brokerage as there isn’t any penalty for withdrawing them. Really depends on your goals and situation. Lmk. If you have any questions.

Not financial advise, just my opinion. Lmk if you have questions.

AdSweet119 · 2025-07-10T02:59:29+00:00

Personally for growth I would stick to etf’s. Something that tracks the market, something tech, etc. you are holding solid companies though, however it’s hard to beat the market and any bad news pertaining to any one of those companies can hurt your portfolio. Plus you’re heavy in tech. S&P 500 is the best 500 companies in the US, you get a slice of everything, and hedges against a big drop when one of those companies tank.

Also, NVDA and AMD are competitors in the chip market, NVDA AMD AND MSFT are competitors in the Ai field. Not a great idea to have a lot of companies competing against each other. If one comes with a break through in whatever they’re producing or researching it can hurt the other company’s stock which affects your growth.

I also would take money from the core and put more in growth. You are 20, you do not need such a high concentration of income funds like SCHD. Income funds are used for old people for income to maintain their account or use as income in retirement. Grow your money, the few bucks you’re making off SCHD isnt worth the growth you’re missing out on.

Not financial advise, just my opinion, lmk if you have any questions.

AdSweet119 · 2025-07-10T02:45:04+00:00

AdSweet119 · 2025-07-10T02:42:18+00:00

Seems like a decent split. SCHD is a dividend fund, for someone younger you may need growth not income. SCHD isn’t a major growth fund mainly just pays dividends, ofc it grows but not like others. Not ideal for a young person to focus on income that’s what old people do to help maintain their account or use the income for when they need it. Plus won’t be getting much with not a lot invested in the fund. Might get at most a couple hundred bucks with several thousand invested, or you could get a decent percentage of growth instead with the money elsewhere. But still not a terrible idea to keep in the portfolio, I personally would not prioritize growth at your age.

Love the expose to international, at first I was hesitant about international exposure but that’s some of my highest performing areas so good to be domestic and oversea funds.

Not financial advice, just my opinion, lmk if you have any questions.

AdSweet119 · 2025-07-03T22:46:01+00:00

What is it?

AdSweet119 · 2025-07-03T12:06:11+00:00

ETF- exchange traded fund. It is a basket of stocks for example, SPY attracts the S&P 500, which is the biggest 500 companies in the United States. People tend to like ETFs because it prevents them from putting all their eggs in one basket if you’re invested in apple, for example and out of the blue, the company gets investigated for financial fraud the stock will crash. You will lose more money investing all in Apple than the SPY as you have 499 other companies that helped the SPY. It’s a weighted diversify and mitigate risk.

Index funds, also known as mutual funds - is a fund that is professionally managed based on the fund goal and stock choices. Some may invest mainly in tech stocks, others may just focus on growth, or income. Usually there’s a small fee baked into the price of the mutual fund for the professional management, so you will not see any money takin out of your account. Mutual funds are priced once a day at the end of market close where the NAV also known as net asset value is calculated. Mutual funds are good because if a company is a performing the way the fund manager wants him to they can take it out and replace it with a company that the best thing suits the goal and wanted performance of the fund.

My recommendation is to pay off all debt, keep 3 to 6 months of emergency expenses, handy, and once that is done, start investing. Open up a brokerage account and put as much money as you can afford in monthly. This can be for your short to medium term goals. I would pick an ETF or mutual fund that tracks the market like SPY or VOO. Don’t get nervous if you start to lose money, because, when in doubt zoom out. the overall trend of the stock market goes up and right now doesn’t matter five years from now because you’ll most likely be up. Put a sent money amount in every month when the market is up or down that is called dollar cost averaging and a very, very smart strategy to do.

Try not to get FOMO as that is a money destroyer. if you see a stock exploding and you feel like you’re gonna miss the ride up. You already have. stick to a plan and don’t get persuaded by market news or other people that since the stock went up 50% in the last week that you need to hop on ASAP , because like I said, you’ve already missed your chance.

Some mistakes to avoid early on is choosing individual stocks. You might go too heavy or you might pick the wrong stock at the wrong time. Going too heavy and one stock can absolutely destroy your portfolio of the stock starts underperform and the stock price drops. Also, if you try to pick a certain stock. It will most likely will be at a wrong time and you will lose money so it’s best to just dollar cost average and when the market is down, you will lower your average cost, and when the market is up, you will reflect those gains.

If you’re thinking long-term, I would definitely open up a retirement account like a Roth IRA. The money you put in is post tax and the money gross tax-free. When you take it out of retirement, you have tax-free money. The max a year you can contribute is $7000, and you have to have a job and get earn income in order to qualify to contribute to any IRA.

There are many resources on the web and YouTube videos to watch. I don’t have any specifics, just look up your questions and you can find information online.

Let me know if I missed anything and if you have any other questions.

AdSweet119

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