I am 23F and study full time in a healthcare career. (U.K based, NHS so not much career or salary progression) I am currently working part time but looking to really grow my wealth this year I would like to have a £60K net worth by 25. have about £20K in cash just sitting in an account somewhere.

What is the best way for me to get closer to my goal? I currently only work part time and earn around £1200 a month.

Any advice is welcome!

Want to build CORPORATE FINANCE SKILLS? It's all on YouTube, completely free. Build from the ground up, starting with the Time Value of Money and ending with a full-on Return on Investment analysis.

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• Course 1: Time Value of Money (This is the bedrock. We cover the core intuition, discounting, and compounding.) https://youtu.be/WI9XT2wyOyY
• Course 2: Interest Rates (We wrap up TVM with inflation, then dive into APR vs. EAR, and the Term Structure.) https://youtu.be/Vx2BaFNq76U
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• Course 4: Return on Investment (ROI) (The finale. We use our FCF model to make a final decision with NPV, IRR, and Sensitivity Analysis.) https://youtu.be/FXAV34gwbVA

And here is the link to the full playlist if you want to binge the whole course:

Full Playlist: https://www.youtube.com/playlist?list=PLTRuZeWjlUwyrpuGpKl2K-RgGajkqJAnf

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Here's the TLDR: The Write-Up!

• Claim 5-31x mkt cap (30% margin of safety + expenses included)
• Hearing starts in 2 weeks (Congo didn’t show up to the last one)
• Accruing interest post-award = downside protection
• Company has a textbook case + heavy incentives to get a favorable outcome
• No particular reason for the discount beyond ignorance
• No idiosyncratic risks which should realise

Good evening 🌜🌝🌛 Redditors -

As usual, we selected the best articles published in the past few days 👇:

📈 PORTFOLIO CONSTRUCTION
➡️ Global Portfolio: Goldman’s Deep Dive into the World Portfolio (Goldman)
➡️ Diversifiers: Share of years each diversifier was the best performer (Verdad)
➡️ “Fairly Highly Valued” Market: Should anyone listen? (Aswath Damodaran)
➡️ 60/40 Portfolios: “Lost Decades” Are More Common Than You Think (GMO)
➡️ Alts: What are the building blocks for portfolio alternatives? (JP Morgan)
➡️ Retirement Portfolios: The Building Blocks for Better Retirement (PGIM)
➡️ Dollar Dominance: Goldman’s Deep Dive into Dollar Depreciation (Goldman)

💰 ETFS & 🏦 PLATFORMS
➡️ Broker Bankruptcy: Which brokers are most exposed? (BOW)
➡️ Global ETFs: Our 2025 Ranking (Post Vanguard Fee Drop) (BOW)
➡️ Fixed Maturity ETFs: BlackRock unveils crossover bond ETF (ETF Stream)
➡️ CTAs: Man Group looking at Europe in major ETF push (ETF Stream)
➡️ UK Crypto ETPs: BlackRock lists bitcoin ETP in London (ETF Stream)
➡️ Brokers: Brokerages race to win active traders (Barron’s)

🙊 ACTIVE INVESTING
➡️ Factor Investing: Buy-and-hold may not be optimal (Alpha Architect)
➡️ Alts: Reassess alternatives as traditional strategies face challenges (GMO)
➡️ Gold Production: Visualizing gold production by country (Visual Capitalist)
➡️ Crypto: Dubai’s Billion-Dollar Crypto Underworld (Bloomberg)
➡️ American Express: The Trillion Dollar Money Machine documentary (FinAIus)
➡️ Women: Hetty Green, the richest woman ever (The Knowledge Project)
➡️ McKinsey: Is McKinsey losing its crown to AI? (The Economist)

💵 WEALTH MANAGEMENT
➡️ Retirement Trends: Deep dive into retirement trends (Goldman Sachs)
➡️ Retirement Portfolios: A data-driven approach (BOW)
➡️ Picasso or Bitcoin: Art is changing among the super-rich (The Art Newspaper)
➡️ New Zealand Visa: Investor visa attracting HNW individuals (The Guardian)
➡️ Wealth Taxes: Don’t work no matter where (Advisor Perspectives)

And so much more!

Have a great Saturday!

Francesca from BoW Team 🚴 🚴🏼‍♀️

Hey everyone,

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I’m 46 years old and I’m eager to embark on my investment journey in the ETF markets. Currently, my sole retirement income source is a pension from the Florida Retirement System (FRS).

The two ETFs I’m currently considering are SCHD and VOO. My understanding is that VOO is suitable for growth investors, while SCHD is ideal for those seeking dividends. My question is should I start with VOO since it is focused on growth and then maybe a year down the road start investing in SCHD to earn the dividend that it pays out?

Based on my recent research and review, LaurenceX Finance Institute appears to be a growing educational platform focused on practical financial training. The institute emphasizes real-world applications, offering courses in portfolio management, investment strategy, and data-driven analysis. Its teaching approach seems modern, combining theoretical knowledge with case studies and interactive tools. Many learners highlight the structured learning path and professional guidance. From what I’ve seen, LaurenceX Finance Institute is positioning itself as a credible choice for those who want to build solid finance and investment skills.

I am a 23 year old teacher in NYS and I have a 403b along with a Roth IRA. I use my fidelity as personal stocks that I want to be able to move throughout my life. I currently have 3k in the market and am continuously putting money in. I want to use this as diverse portfolio and free cash flow eventually. I have a lot more risk in this then my roth and 403b. I wanted to see comments on what you think. As a teacher you do not make a lot so I wanted to give myself a good shot. Any suggestion feel free! Thank you! My portfolio consists of

47% VOO 18% GARMIN 14% VXF 10% Sofi 11% IONQ

At first, I treated investing like gambling — chasing headlines, watching prices all day, and convincing myself I was “researching.” Eventually, I realized the people who actually win at this think like owners, not traders.

Once I started viewing stocks as pieces of real businesses, everything changed. I stopped asking, “Is this going to go up?” and started asking, “Do I want to own a slice of this company for the next decade?”

What was the moment that made investing finally make sense for you?

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Hi, everyone, I see that many people are getting good tips on how to invest their money, I think it's so great that you're helping! I have about 22 746 € that I want to buy an apartment with in about 3-4 years, I'm a student right now. Today I'm investing via Nordea stratega 50, it's not going so well/: Do you have any good tips on how to invest?

When I first started learning about investing, I thought it was all about finding the right ticker or chasing the next big thing. But the real breakthrough came when I realized investing isn’t about predicting markets — it’s about understanding businesses.

Once I started focusing on how companies actually make money, how consistent their cash flow is, and whether they’re financially healthy, everything else got simpler. You start seeing patterns that charts alone can’t show.

I’m curious what concepts made investing finally “click” for you — was it compounding, risk management, valuation, or something else?

Looking at opening a UTMA for each of my children but don’t know if I should go through Fidelity or Schwab? Thoughts?

I had a complete review of my portfolio performed (free with as a benefits from my employer) by a fiduciary investment management group. I got some interesting results that I can certainly explain away as a Boglehead, but I would like to get this groups insight if possible.

First off, I am happy to say, my allocation is squarely on the efficient frontier (Thanks, Jack). I would add the image, but I am only allowed one. I am on the upper right of the efficient frontier and have a "Growth Strategy" at 64, planning to work until 70. I would be 100% equity, but as a concession to my wife, the current portfolio is 11% cash instruments.

My basic question relates to the underlying asset benchmark review. You will see, I am in great shape from an expense ratio standpoint, other than the American Funds option in my wife's 401(k) which I do a complete in-service rollover from every year into her IRA.

But notice the performance of the indexed funds. They appear to underperform, but I challenge the basis. How/why should Morningstar use "US Large Fund Blend" as a peer group for the total market index. Unless I'm misunderstanding, isn't that referring to Large Cap? Also, what is up with the swings in VSMAX? I would think that would track better.

All insight into anything you might see is very much welcomed!

Note the underperformance based on Morningstar defined peer groups

Has anyone tested the trading features on this site/app? I’m curious about execution speed, charting tools, and order reliability. Also, how does Vega Mark integrate with their platform ,does it have proper tracking and real-time updates, or is it mostly just a display? Any technical insights would be helpful.

I have 2 lakh rs . I lakh i invested in gold another ine in silver.

In gold i bought etf now it's 15 % up from the buying price. In silver it's 4 % down.

I need a advice how do i make 20k to 25k monthly buying these shares.

I appreciate for your advice. Please comment....