Any advice just started buying a couple months ago? 20M

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    Posted by Eli9105

    13 Comments

    1. If you put that you were 20 and female you would have gotten a lot more responses by now

    2. Username_McUserface on

      Great start. You’re young – keep pounding on that index fund. Hold. Keep individual equities a small part of your portfolio until you have a solid foundation in the index.

      Keep it up and you can retire at 50.

    3. Andy-Bodemer on

      Stay away from Wall Street bets and YouTube. Finance is boring if it isn’t—you’re in trouble.

      Read A Random Walk Down Wall Street.

    4. ChairmanCorgi_ on

      The important thing is that you are doing this when you are young.

      The only advice I have is not to own too many individual stocks. People have done the math and It only helps with diversification up to a certain point. I don’t know the number I think maybe 5 to 10, anything more than that and you’re not actually getting any bonus from diversifying. And honestly if everything is in the US market you’re not going to have much diversification as it is.

      If you are really long term investor then you can think about foreign equities in emerging markets . Anything with growing demographics, India, I haven’t looked but I would assume Vietnam, maybe Nigeria.

      I saw in your other comment that you have a bunch of money in a high yield account. That’s fine, I do too, Mostly for emergencies as layoffs are common in my industry, and to avoid the fee my bank charges if my balance is not high enough. But overall it is only a tiny fraction of my wealth.. It is money not being put to good use.

      Anyway, not investment advice, just thinks I have learned

    5. DeadParallox on

      The market is about to get really really rocky. I would take profits and sit put.

    6. Late-Improvement3234 on

      Id say invest as much as you’re comfortable with into that fidelity s&p 500 and don’t worry about buying anything else fr. If you would like to get into stock picking and have the time to do the research that’s fine too just don’t rush yourself. I inly bring it up bc i see you bought nvda

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