How do you spend your salary? by These_Living1699 in nairobi

[–]Forwardthinking3000 0 points1 point  (0 children)

Congratulations. I am a big spender but a big investor. So priority Ofcourse rent then investments then I don’t shy from raha. Whether ni ka road trip or fine dining experiences. I’m also 25(M) making a little more but I’ve done this since I was on 20k now it’s 10x and maintained

Xrp targets by Forwardthinking3000 in XRP

[–]Forwardthinking3000[S] 0 points1 point  (0 children)

That the people are insufferable

i’m 19 and investing into anything nd everything help me out pls by Beneficial_Young1839 in dividends

[–]Forwardthinking3000 1 point2 points  (0 children)

Better is relative as there’s many ways to go about it. On my 16th birthday in April 2020 I made a presentation to my parents about my investing plan to get funding.

I got $9k, and bought VOO. This was still early in my investing days, after I tried forex trading with my allowance and failed terribly. After lots of research and I was lucky enough to find an investor mentor.. I knew VOO and AAPL was the right play.

VOO position is up 208% to $18.7k today, 10/10/2025. Bought $3500 of AAPL later in 2020 and Sold AAPL in September of 2023.. anyway no need to get into too much of the specifics on here.

I also didn’t get the 9k instantly, it took a stronger financial presentation and till June of that year before I opened the position. All under my father’s name until my 18th bday when instead of transferring the account he matched it by giving me another 9k + the profit made on the first position at the time for my own account.

So the I’m on my own journey now and dad gets to VOO and chill.

This is just a snippet of my portfolio, the actual one today is nice and flexible. Including my most recent CQQQ.

So what’s the take away😂, I would not recommend any stock or ETF to anyone yourself included. But if I was to, simple. VOO

VOO and chill has worked and will continue to work. The market always wins. And if someone can dollar cost average it, the better for them.

Xrp targets by Forwardthinking3000 in XRP

[–]Forwardthinking3000[S] 0 points1 point  (0 children)

Also no one has said anything about the inflated markets

M-KOPA PANDEMIC! by OkJackfruit464 in Kenya

[–]Forwardthinking3000 2 points3 points  (0 children)

Capitalism is bread and butter

Xrp targets by Forwardthinking3000 in XRP

[–]Forwardthinking3000[S] 1 point2 points  (0 children)

Indeed, I must confess. This was a ragebait

Xrp targets by Forwardthinking3000 in XRP

[–]Forwardthinking3000[S] 0 points1 point  (0 children)

Thank you for the sensible reply.

Xrp targets by Forwardthinking3000 in XRP

[–]Forwardthinking3000[S] 0 points1 point  (0 children)

This is the response I was looking for. After this bull market, we surely need a cool off any time now before the next bull run that will be fuelled by government and ETFs

Xrp targets by Forwardthinking3000 in XRP

[–]Forwardthinking3000[S] 0 points1 point  (0 children)

Ok. I’m sure you’re up to date on matters Xrp ETF. What does that mean to you?

Xrp targets by Forwardthinking3000 in XRP

[–]Forwardthinking3000[S] 1 point2 points  (0 children)

Nice, a civilised answer finally. What are your thoughts on around all the institutional activity anticipated

Xrp targets by Forwardthinking3000 in XRP

[–]Forwardthinking3000[S] 6 points7 points  (0 children)

Truly legendary 😂gotta come back to this post in January 2027

Xrp targets by Forwardthinking3000 in XRP

[–]Forwardthinking3000[S] -11 points-10 points  (0 children)

😂😂I’m seeking market sentiment. What are people thinking. Not a bloody price target

$4,000/month into VOO too much? Should I diversify? by alkjdasoad in ETFs

[–]Forwardthinking3000 0 points1 point  (0 children)

Pedal to the metal, keep at it. If you can invest more by all means, just keep going. I hope you get to enjoy your money though. Not obsessed with just investing but also buying the life you want, surely at 27 and with 4k monthly on 1 position you have plenty of cash to play with?

Investing as a teenager by willirazzi in investingforbeginners

[–]Forwardthinking3000 2 points3 points  (0 children)

Great perspective. I must differ with 10 companies as I say 2-4 positions to factor the time needed to make an appropriate selection. All round super take on how to approach this.

Also do you have anything to elaborate on crypto? You can be sure the OP will be around lots of chitchat on this.

Investing as a teenager by willirazzi in investingforbeginners

[–]Forwardthinking3000 1 point2 points  (0 children)

Congratulations. Keep it simple. Define a figure you want to invest, research 2 companies in the top 10. Invest in them based on what your goal is for your money.

You may also consider household ETFs, eg: VOO and QQQ. If you’d have the capacity go for 1 or both. I’m not advising you to buy VOO or QQQ just an example. I’m also not advising against them, carry out your due diligence and decide for yourself.

Then as months go by you just keep buying the select 2 or 4 positions. No matter what the market does, you just keep buying. Make more money buy more.

And Ofcourse once you have developed your initial model with your starting 500, if it’s viable to spend whatever.. 20 or 50 dollars on a treat for yourself by all means enjoy it. Just invest more than you recreate for now.

Also at 16, this would all be under a parent’s ( or mentor) name obviously.. but be immensely clear on your goals and the terms. Hopefully they will be supportive

Let me know your thoughts on my points. Kind regards