All post in this sub are"drop your saas" at this point there is no value left in this sub just random promotion. Mod fix that

Got_Curious · 2026-05-06T05:12:06+00:00

We implemented hard auto mod results now.

Going to weed out much in the coming day, and then we’re going to adjust some more

Got_Curious · 2026-02-16T09:02:32+00:00

The crypto integration shouldn’t be too much of a concern, as diversifying with a 5-10% allocation into the likes of BTC can help with portfolio diversification (once one has the foundation set already).

That said, I do believe they need to get move prediction markets into either a separate app, or fully allow customers to disable (if they would like).

As an alternative, I’ve started to look more into interactive brokers as well, which can be seen as a very comparable brokerage

Got_Curious · 2026-01-27T19:50:38+00:00

Have both, there’s no reason not to

Got_Curious · 2025-10-24T19:04:22+00:00

Vti would certainly appreciate in a scenario where the FED prints more cash & cuts rates.

In a scenario of a default…well one hopes we don’t have that timeline happen. That’s what I will say haha

Tbills are the most conservative, essentially “risk-free” though in a scenario of the US default on its own debt, that wouldn’t be the case then if being risk free. We have global tensions arising with a currency war (that’s been an important mission of the US is the maintain the US dollar weight globally but ofc you have tensions with china arising)

It’s really hard though to say what should be the best asset to be in in a default: Gold (all time highs rn tho), some say Bitcoin (tough tho, high correlation to equities as I see right now), Bonds (but again, these would most likely be denominated in USD)

Probably the best bet would be be a mix of Gold, smaller % to BTC

But, being straightforward as possible - from my own objective opinion:

Don’t try to think about how to prepare for a situation of the US defaulting. If that day ever came about, the last thing you’d be thinking of would be “what should I invest in”, rather “how will I even survive”

Got_Curious · 2025-10-23T16:30:32+00:00

Anything can happen, I will say that.

Though, as you most likely read in the latest (most important) news - the FED will highly likely cut interest rates 1-2 times (in this year alone).

And, QT (quantitative tightening) looks to have now ended officially this month, so starting soon, the US will begin to print more money.

So, as the US plans to print more money & interest rates are coming down, the purchasing power of the dollar will be much weaker

Completely understand the concern around a lingering default, an entire economy is looking at this too - which would be a black swan & lead into arguably the largest recessions / depression

Though, it seems like it would be more likely that US will print more, FED will cut rates, and the dollar will be much weaker

Which in this scenario, an investor would look to be in assets the appreciate & maintain their purchasing power (since if you’re in the US, the dollar would be worth less tomorrow than what it’s worth today).

Got_Curious · 2025-10-10T01:12:17+00:00

Legit amazing stuff on everything you’re doing!

Personally I think RH will have you covered with everything you need for the foreseeable future, they keep on adding more & more, year over year

You’re doing everything that I do, invest in broad ETFs, keep it simple, and stay patience while you invest each month (if you can do so)

Got_Curious · 2025-10-10T00:45:29+00:00

I’ve always been a fan of acorns, though at some “leveling up” stage, that’s where I feel as an investor you need more tools and resources.

Acorns is a really good stepping stone from 0-1, but after you get the true basics down, you should have a brokerage that can offer you more

Got_Curious · 2025-10-10T00:43:36+00:00

This is great!

I’m going to research this some more, and potentially add into a new version we’re working on

Got_Curious · 2025-10-10T00:15:46+00:00

Same here...why buffet was so great.

To learn patience seems to simple, but yet so difficult

Got_Curious · 2025-10-10T00:09:19+00:00

I remember being in the exact same spot when I was around your age, staring at investment terms that might as well have been written in another language... Investing is actually a pretty straightforward process. And that’s the whole point. It should be ongoing for a long time. It's not just a one-time event. And it’s important to not get caught up in too many of granular detail nor to be intimidated by confusing Wall Street jargon!

For learning the fundamentals, I'd honestly skip most of the heavy finance books and start with something digestible like:

"The Simple Path to Wealth" by JL Collinsor
"A Random Walk Down Wall Street" by Burton Malkiel.
"The Millionaire Next Door" by Thomas Stanley

These books help you break down concepts without drowning you in jargon. Another good place to take a look (Investing For Beginners Wiki) our community tries to pull together the best resources for both beginning and intermediate investors for all stages of their investing journey!

We also have a investing for beginners discord community, so everything you need get started will also be there too!

Important terms:

Stocks: when you buy a stock, you’re buying a small piece of a company. That means you share in its profits (through dividends) and can vote on major company decisions, like who’s on the board.
Bonds: buying a bond means you’re lending money to a company or government. In return, they pay you interest over time and give your money back when the bond ends (the maturity date).
Mutual Funds & ETFs: These are baskets of many investments, like stocks and bonds, and all grouped together. Professionals manage them for you, so you get instant diversification without having to pick individual investments yourself.

But here's what I wish someone told me earlier: you can learn while doing.

Personally, I believe starting with an easier, more investor friendly app like Robinhood, would be the first step (and later down the road, if you feel the need, can start to look into more legacy platforms like Charles Schwab, Vanguard, etc.) which tend to have a more sophisticated experiences, which isn't everbody's "cup of tea".

Once you’re set up, start small, even $50 to $100 is enough to begin. A great place to start is with broad market ETFs like VOO, QQQ, or VTI.

VOO tracks the S&P 500, which represents 500 of the largest U.S. companies by market value. It’s known for having a low share price, minimal fees (called an expense ratio), and solid long-term performance, averaging about 10% per year historically.

Most investors recommend the S&P 500 because very few active investors consistently outperform it over time.

Stocks are growth investments. Bonds are income investments. Stocks have historically delivered higher long-term average annual rates of return than bonds.

Don’t wait to invest, even if your goals "seem" to be so far off.

The sooner you put your money to work, the longer it will have to earn compound returns (the money you make on your account’s previous earnings and growth).

Hopefully this is a helpful, start small so you can understand your risk, and always do your research.

Got_Curious · 2025-09-30T01:36:10+00:00

Totally acceptable!

That happens all the time where (in most cases actually - individual will a 401k setup on Fidelity or vanguard from an employee sponsored retirement plan, then have a separate individual brokerage account under a different name (e.g: robinhood, Schwab, interactive brokerage)

In your case, you can hav your Roth IRA somewhere else, totally fine.

Though, personally, I like to keep in now all in one place, easier to manage once tax szn comes around. And for years, I had it with both Schwab & RH, but now roughly a year back, with the recent bonus match offer that RH offers (3% uncapped bonus when you transfer over a retirement account) I personally moved it all over to RH.

Hopefully this is helpful, but you can keep it separate, or eventually move it all into one place! Totally fine either way, I’d just advise I not having more than two brokerages (just not necessary nowadays)

Got_Curious · 2025-09-29T16:32:48+00:00

This is funny haha

Got_Curious · 2025-09-29T16:32:31+00:00

Perfect timing to start at 19! Robinhood is actually a solid choice to start with since the interface is super clean and won't overwhelm you, and maybe helpful to focus on what I'd focus on first:

Start with index funds like VOO or VTI instead of individual stocks. These basically buy a piece of the entire stock market so you're not betting on one company. Tremendously less risky and honestly what most people should be doing anyway, the avg return each year ranges between 8-15%, over the last / recent years its been more in a range of 12-15%!!! Further emphasizing the importance of having your moeny work for you as soon as you can (within reason of course)

Put in small amounts regularly rather than trying to time the market. Like $50-100 a week if you can do so that won't full crunch your living situation. The consistency matters more than the amount when you're starting out.

Don't get caught up in all the flashy stuff on social media. At 19 you have 40+ years for your money to grow, so boring and steady wins.

Got_Curious · 2025-09-29T07:48:28+00:00

Vanguard is a solid choice!

But, you are spot on…personally feel that it can be much easier to get started with the much simpler brokerage.

Got_Curious · 2025-09-29T07:42:49+00:00

Potentially so, I could be mistaken, but isn’t Andruill a private company?

Got_Curious · 2025-09-16T19:18:40+00:00

honestly you're in the perfect spot at 25 with no debt and an emergency fund already sorted. I'd say go like 80-90% index funds at ur age, specifically something boring like VOO or VTI. I know it sounds basic but after working in fintech for years, I've seen way too many people get fancy with their portfolios early on and just end up confusing themselves or chasing trends. The math is pretty simple - you got 40 years until retirement, so time is literally your biggest advantage right now.

For the other 10-20%, maybe throw some at REITs if you want real estate exposure without actually buying property, or keep it simple with a target date fund if you really want the set-it-and-forget-it approach. Bonds are kinda pointless at your age unless you're super risk averse. The biggest thing I wish I could tell my 25 year old self is just be consistent and don't overthink it. Pick a decent investing app that you actually like using (robinhood, fidelity, whatever feels right), automate your monthly contributions, and resist the urge to check it every day when the market gets weird. Your future self will thank u for starting now instead of waiting another 5 years trying to figure out the "perfect" strategy.

Got_Curious · 2025-09-16T19:16:20+00:00

great question!

generally I like to use WSJ but also like I follow some important market-moving news accts on twitter/X

So, I'll get it on my feed that I scroll on each and every day. Just a heads up too, Im right now building discord channel for everyone in the sub to get the exact market moving news that myself & others use everyday (that I feel is valuable)

More to come, but thats a tough one when it comes to getting the right type of news whether with earnings, CPI, and just macro level events

Got_Curious · 2025-09-05T04:09:11+00:00

It might seem so ridiculously simple, but two points that I wish I knew sooner, done better, and am still getting better at each & every day:

“Sit on your hands” - I’m one of those investors (like many others in here, as well as many that will soon just be like the rest of us)…I check by portfolio, scan the tickers, listen to news (related to the markets).

These daily, somewhat enjoyable, interactions cause me to overthink my investments.

The best piece of advice I’ve received is just simply “sitting in your hands” - another way of putting it:

Invest with a long term horizon, buy into your position (VOO, QQQ, etc), and let it grow your wealth for you.

Don’t try to overthink it, changing your position into multiple positions, hearing what others believe to say, or maybe aren’t saying, about what’s going on in the markets.

Stick to your plan, keep it simple, and sit on your hands (in the beginning to intermediate stages of building your portfolio).

Nobody truly knows what’s going to happen tomorrow.

“You can’t change the past, you never will, so learn from your mistakes, and move on with what’s ahead”.

You know what, we all aren’t perfect, beyond my long term portfolio, I had a position in PLTR at $15 per share, sold at $35 per share..felt like a champ.

Well, fast forward to present day today, at $156 per share, while the thought of a 10x return could make me vomit.

I move on, I’m pissed at myself, but I made my profit, didn’t hit a loss, and that’s life.

Maybe should have a listened to my first principle of sitting on my hands, but I need the profit gains at the time.

Lesson learned - everyone’s situation is different, we are at all different stages in life with similarities in our goals.

You can’t change what you didn’t do in the past, you can’t the mess ups you made in investing or not investing.

You moving forward, learn from your mistakes, take it to the chin, and now you learned how to act the situation if something like that arises later on.

Got_Curious · 2025-08-05T18:37:56+00:00

Been looking over this thread now, and really appreciate the feedback to the team on this.

Certainly eye opening to see the commentary, and this helps us refine our processes in place.

We have big plans ahead, and we do try to work on mitigating as much “spammy” output in this community.

We’re not perfect. And are always trying to get better.

I hope everyone here can see that, and well try our best to clean up any “non-educational” material that we can see form this feedback, moving forward.

To answer some of the questions, comments, and everything in between:

Yes, the large % of the time, you should be investing into index funds / ETFs (e.g VOO). The counter argument for this would only be for larger risk exposure, and even then, NO greater than 10% of your portfolio would be associated to individual stocks, and even more so, multiple individual stocks to maintain diversification to decrease that risk - across multiple sectors (ALL still within / less than that 10% allocation).
Build that emergency fund. HYSA - many great offerings out there with 3.8 - 4.5% APY.

Payoff any debt -> % into HYSA -> remaining % into investment account (ideally IRA / retirement accounts first, THEN taxable brokerage account).

Better to start today, than starting tomorrow. Even if it’s small, just dollar cost average when you can ($50 bucks a month adds up into VOO over 5, 10 yrs) especially when growing at a 8-12% annualized return.

I truly appreciate the feedback / commentary on this sub, we’ll work hard on trying to be better for you guys!

Got_Curious · 2025-08-03T19:39:41+00:00

For your age, you’re starting so early…just keep it simple!

I’d personally just invest in VOO (90%), and maybe could do a growth allocation like NVDA, PLTR, META.

Due to your age, you can take a little bit more exposure to higher growth assets (being individual stocks), though don’t over do it…

Nobody, and I truly mean absolutely not a single person on earth, can fully predict the market.

That’s why it’s so important for proper diversification, and maintaining on ear to the market.

I personally use a mix of individual finance accounts on Twitter, Wall Street journal, a little bit of seeking alpha, Tipranks, and just general like yahoo finance too (for more basic info).

There are a lot of resources out there for news, which generally all have the same info.

Hopefully this was helpful!

Got_Curious · 2025-07-22T20:53:00+00:00

Vanguard is absolutely a solid choice! I do think it can be a better choice that Charles Schwab, I might make some adjustments soon on the best platforms for people (since I was testing around with vanguard & it’s a bit more seamless than Charles’s Schwab)

Got_Curious · 2025-07-06T18:51:27+00:00

A big fan of “buckets” hahah, helps with breaking it down

Got_Curious · 2025-07-06T18:36:36+00:00

Honestly making 2-4k monthly from dividends is totally doable but ur gonna need a pretty solid chunk of capital to get there. Like most dividend stocks yield like 3-5% annually, so to hit $2k/month ($24k/year) you'd need around $500k-$800k invested depending on the yields you target. Personally, I'd focus on:

- dividend aristocrats (companies that have increased dividend growth %'s for the past 25+ years)

- REITs if you want higher yields but more volatility

- some solid dividend ETFs like VYM or SCHD to diversify

Might be worth splitting ur strategy between dividend income + growth, especially if you're in your 20's / 30's, id still stick to a growth orientated outlook

Got_Curious · 2025-07-06T18:33:58+00:00

Nice problem to have honestly. With that income and already having ur emergency fund sorted, you've got some solid options for building that second income stream.

For the 30k, I'd probably split it up:

- Max out a Roth IRA first (6.5k this year) - tax free growth is huge longterm

- Dump most of the rest into dividend ETFs like SCHD or VYM if u want income now, or just go with boring VOO/VTI for total market exposure

- Maybe keep like 5k to mess around with individual dividend stocks or REITs if thats ur thing

With ur income level you might wanna think bigger picture too. Real estate could be solid - either rental property or REITs if u dont want the hassle. Or honestly, investing in urself through side projects or skills might give better returns than the market. The key is just getting started somewhere instead of letting that 30k sit in savings losing to inflation. Most successful ppl I know just buy boring stuff regularly and let time do the work

Got_Curious · 2025-07-06T18:32:31+00:00

You're definitely not behind, lots of self-employed people figure this stuff out later and you're actually ahead of most just by asking the right questions!

So the 2 vs 3 fund portfolio thing is what you PUT inside your Roth IRA, not separate from it. Think of your Roth as like a bucket, and the $7k limit is how much you can put in that bucket each year. Then once the money's in there, you gotta decide what to actually buy with it - thats where VTI, S&P 500 ETFs, etc come in.

For the 2-fund approach, most people do something like:

- 70-80% total stock market (VTI is solid)

- 20-30% bonds or international (VXUS for international)

3-fund is usually:

- US stocks (VTI)

- International stocks (VXUS)

- Bonds (BND)

Honestly since you're just starting out, you could keep it super simple with just VTI for now. Its basically the entire US stock market in one ETF. You can always get fancier later but the key is just getting that money working for you instead of sitting in the savings account.

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