I'm a 30F who recently started investing after having saved up 6 months of emergency savings. Is it a good strategy to consistently invest a few hundred dollars every month for the foreseeable future and split it across VOO, VXUS, and QQQM? What if I don't touch my portfolio for the next 10, or even 20-30 years, until I retire and need to liquidate my stocks to buy property? Am I being too safe or missing out on something? Please advise. Will greatly appreciate it! Also, is it possible to keep this portfolio and my savings account(s) completely separate and untouchable in case I get married? I want only my future children to inherit my assets.
Is my investing strategy too safe?
byu/amneris692 inpersonalfinance
Posted by amneris692
3 Comments
Start here: https://www.reddit.com/r/personalfinance/wiki/commontopics.
Investing guidance: https://www.bogleheads.org/wiki/Three-fund_portfolio https://www.reddit.com/r/personalfinance/wiki/investing
> Also, is it possible to keep this portfolio and my savings account(s) completely separate and untouchable in case I get married?
Only with a prenup
Absolutely not too safe.
Once you start stock-picking, its RIP, because you get less returns.
If you start to ‘catch up’ for those lesser returns, you really go off the deep end, and may end up even trading, or using options. And you will actually lose money, instead of earning some.
Your strategy is by far the best. Don’t trust grifters who say otherwise.
Honestly that sounds way more disciplined than most people start with, especially already having an emergency fund before investing. A simple long-term setup you can stick with for 20+ years is usually better than constantly chasing higher returns and stressing over every market swing.