I am turning 31 next year, and I am still renting. I want to buy a home in the next two years. I make 70k a year, and have about 36 k in savings. I want to start putting money into individual stocks b... Read More

• (6 points) Look into ETFs if you're a beginner in the stock market, especially if your goal is to invest long term: * QQQ - Invesco QQQ Trust (very good if you plan on selling covered calls every other day) * IWF - iShares Russell 1000 Growth ETF * VTI - Vanguard Total Stock Market Index Fund ETF (good for the shorter end of long-term time horizons) * JIG - JPMorgan International Growth ETF
• (2 points) Really all you need is VTI from this list. Like literally just throw your savings less your 6-12 month emergency fund in it and add it it every paycheck.
• (2 points) I would also recommend a good portion of ETF's (VTI, VXUS, mby QQQ, etc...). However: 2 years is NOT a long investment horizon. Market might crash and you would just lose money. If you aim for like 10+ years, the market will almost certainly recover from any crash and be up higher than now. (*This is not financial advice.*) That said, if you want to invest in stocks, you can have a look at what the 'superinvestors' are doing: [https://www.dataroma.com/m/managers.php](https://www.dataroma.com/m/managers.php) I'd still recommend you only buy stocks where you understand the company and did your own research, but looking at what the most successful investors are doing can be a good starting point for further investigation.

I’m sure this is an extremely common and possibly annoying post but I don’t really know who to go to for advice. I’m 21 and yesterday was my first time trading on the stock market. Yesterday I purchas... Read More

• (12 points) Look into ETFs, especially if your goal is to invest long term: * QQQ - Invesco QQQ Trust (very good if you plan on selling covered calls every other day) * IWF - iShares Russell 1000 Growth ETF * VTI - Vanguard Total Stock Market Index Fund ETF * JIG - JPMorgan International Growth ETF
• (3 points) VTI or VOO is the way to go. ETFs - full form is Exchange Traded Funds. What these basically are - a basket of top stocks selected by the fund manager and her team. Why ETFs - instead of you choosing some stocks, you buy a basket of stocks. ETFs have a ticker and you can see the price at which it is traded during trading hours. How to Buy - sign up with Vanguard and from within the account dashboard, you will be able to purchase these funds. Year to date performance of both these funds has beaten the DJIA so far and you really cannot go wrong.

**Analyst estimates** Earnings per share (adjusted): $1.86 vs $1.59 expected per Refinitiv Revenue: $13.76 billion vs $13.63 billion expected per Refinitiv **Cash** Operating cash flow less capex... Read More

• (8 points) I got no skin in the game outside of owning through VTI/VT, but love following the story. Once Berlin and Austin get done this thing is going to really take off. Could see it trading around 80 PE ratio and eventually distributing capital via buy backs

Hey guys I am extremely new to stocks (I don't own any). I'm an electrical engineer that loves to cruise all the time, that is my families "thing". Well I had a question about Royal Carribbean stock.... Read More

• (4 points) Well taxes...the $300 dividend is taxed...I am not sure how the $300 perk is taxed (do they give you an on-board credit? Mail you a check?)...and you're also forgetting inflation...i.e if the stock doesn't move, you're losing 2-3% a year on the $8700...as well as opportunity cost, is $8700 going to grow faster somewhere else? Like personally, I think over 14.5 years $8700 in Apple, Microsoft, Google, QQQ or even VTI is going to outperform a cruise line... But, yes, you have the basics more or less correct.

This post is a summary of comments on threads and blog posts comparing traditional IRAs to Roths. In particular, I wanted to comment on and offer some arguments against 5 major points that find their ... Read More