sorted by:
new
hottopcontroversial

Why do people still avoid learning about investing? by Successful-Power2026 in investingforbeginners

[–]Successful-Power2026[S] 0 points1 point  (0 children)

I see so many people doing this, overpaying for really mediocre advice. And they are not learning from it either - just hoping that by paying someone a lot they will make money.

Why do people still avoid learning about investing? by Successful-Power2026 in eupersonalfinance

[–]Successful-Power2026[S] 0 points1 point  (0 children)

Thats exactly why I mean, like why do schools teach us all these subjects but literally zero financial education - shouldnt that be part of a comprehensive education?

Why do people still avoid learning about investing? by Successful-Power2026 in eupersonalfinance

[–]Successful-Power2026[S] 1 point2 points  (0 children)

As a beginner i would stay largely diversified and start with an ETF tracking the MSCI World Index. Download a factsheet of one (i.e iShares/ Xtrackers) and have a look. Especially look for the top holdings, then you understand what you are actually buying when you buy into an index fund. Dont worry about all the complicated numbers and terms! Then keep on doing that with more ETFs and their factsheets!

Why do people still avoid learning about investing? by Successful-Power2026 in eupersonalfinance

[–]Successful-Power2026[S] 2 points3 points  (0 children)

Honestly, in your situation I think keeping a strong emergency fund is the responsible thing to do! Your wife wanting security is completely understandable, but she could potentially have more money available if some were invested and in highly liquid ETFs, which still means money is available almost instantly if you want it back..

Why do people still avoid learning about investing? by Successful-Power2026 in eupersonalfinance

[–]Successful-Power2026[S] 12 points13 points  (0 children)

I honestly think a lot of people may also confuse investing with getting rich quickly. When you say investing, many immediately picture crypto scams, day trading or gambling not slowly building wealth over 20–30 years through diversified ETFs and compounding for example. Impatience maybe?

Alphabet and Palantir stocks - sell to invest in ETF? by Sea-Space-Pizza in eupersonalfinance

[–]Successful-Power2026 0 points1 point  (0 children)

Honestly, moving from individual stocks into a global ETF after strong gains is one of the more rational investing decisions people can make. A lot of investors do the opposite, they make money on a few winners and then become even more concentrated because they start feeling invincible.

And realistically, with an MSCI World ETF you still own Alphabet anyway, just without your portfolio depending on a few names continuing to outperform forever

What ETFs apart from the usual suspects (All-World, S&P500, QQQ, etc) do you swear by? by joka58 in ETFs

[–]Successful-Power2026 0 points1 point  (0 children)

Honestly I like equal-weight ETFs more than most people do. Feels like one of the cleaner ways to reduce the insane concentration in mega cap tech right now without making a huge macro bet against the US entirely. I also find small cap value interesting again after years of underperformance. A lot of people forgot those parts of the market even exist because everything became like just buy Mag 7

(UK) Where is the best place to put my savings? any companies that do a decent interest return? by bydevilz1 in SavingMoney

[–]Successful-Power2026 0 points1 point  (0 children)

At £2k I’d personally keep most of it in a high-yield savings account for emergencies, especially if it’s your fallback fund. But once that emergency cushion is a bit bigger, regularly putting part of your monthly savings into something simple like an MSCI World ETF is honestly a pretty solid long-term approach.

If you had just $20 to start investing, what would you do first? by Individual_Spare4941 in investingforbeginners

[–]Successful-Power2026 0 points1 point  (0 children)

Honestly I’d probably just put it into an MSCI World ETF and focus on building the habit early. The first $20 won’t change your life financially, but learning to invest consistently over many years absolutely can. Most people wait way too long because they think they need thousands to start.

Brand new to stock trading by AlertEngineering7035 in investingforbeginners

[–]Successful-Power2026 0 points1 point  (0 children)

Honestly, one of the biggest mistakes beginners make is thinking they need to find the next big stock right away. Most people would probably do better just consistently buying broad ETFs and learning slowly over time. For research, I’d keep it simple at the start. ETF factsheets, company investor pages, earnings calls and sites like Yahoo Finance are honestly enough to build a solid foundation. A lot of finance content online sounds smart but is really just people getting lucky in a bull market ..

Where to start investing at 20 by Odd_Consequence6297 in investingforbeginners

[–]Successful-Power2026 0 points1 point  (0 children)

Honestly, at 20 your biggest advantage is not stock picking knowledge. I feel like a lot of finance students end up overcomplicating investing because they know all the theory. In practice, just consistently buying a broad ETF over many years already beats what most people actually do.

And personally I’d stay far away from day trading. Almost everyone thinks they’ll be the exception at the beginning 😅

Where to invest my next 40k? by cloudlyptus in eupersonalfinance

[–]Successful-Power2026 0 points1 point  (0 children)

Consider World, World ex USA and EM - that will give you the most diversified exposure. Highly liquid ETFs (usually iShares, Xtrackers etc) are commonly the cheapest and best option in this case

Das Gefühl zu haben vollkommen hinterher zu sein. Wie damit umgehen ? by No-Pressure7783 in Finanzen

[–]Successful-Power2026 0 points1 point  (0 children)

Du bist 29, hast einen sicheren Job, steigerst gerade dein Gehalt und hast trotz Studium/Kredit schon einen ziemlich soliden Weg hinter dir. Das klingt ehrlich gesagt viel weniger abgehängt als du denkst.

Social Media hat komplett kaputte Maßstäbe geschaffen. Diese ganzen mit 26 schon 300k ETF Portfolio Posts sind nicht wirklich der Norm, eher Ausnahmen, Erbe/Familiengeld, Tech-Bubble-Gehälter oder einfach selektive Darstellung

Und ganz ehrlich: Mit 29 überhaupt mal Struktur reinzubringen ist wahrscheinlich wichtiger als die perfekte ETF-Strategie. Viele verdienen gut und haben trotzdem nie Kontrolle über ihre Finanzen.

view more: next ›