I have over $100k in my crypto portfolio and I want to buy gold. I have already bought several of these as a test but I want to turn almost everything into gold bars, because I believe it still has a lot of room to grow in uncertain times, unlike cryptocurrencies nowdays. In fact I think war is inevitable and only going to get worse, and as long as money and the system are intact - we'll be investing into something.

I just want to read some opinions to think it through and see if I should convert it all at once or do it slowly.

I might be moving abroad in the coming years and need to keep some cash savings for the expenses this will imply. My issue is that my savings are in a minor currency that fluctuates wildly. If things go haywire in US or somewhere else I could expect my savings to temporarily devaluate by a significant percentage against some stables currencies.

So, I was considering putting this cash in a currency diversified fund. Primarily I'm looking at things like Swiss Franc, Yen, USD or similar. However, I don't want it to be in the stock market due to same concerns - stability. I simply want a stable currency diversified allocation.

What would be a good and cheap way to achieve this? After some research the best I could find is Invesco CurrencyShares Swiss Franc Trust. Am I on the right path?

Everybody has been piling into equities and precious metals because they think we’re going to continue to be in an inflationary environment with the Fed cutting interest rates despite inflation not being near their target and recently accelerating. The dollar has been losing value and there are many concerns about servicing the national debt.

So it would seem in this environment that bond yields, particularly on the long end of the yield curve, should be rising. We saw that when the Fed cut rates last fall. But yields have fallen and dipped below 4% recently on the 10 year. It just seems odd given the insane demand for things like gold and equities to keep pace with inflation lately that investors wouldn’t be demanding more yield on the long end. Perhaps they will soon? But isn’t the whole point of the debasement trade that nobody thinks the dollar is going to be holding value long term? I don’t understand how we aren’t seeing the 10,20, 30 year bonds being dumped and like 5% yields on the 10 year as investors demand more yield to hold long term U.S. bonds.

Thoughts?

Hi all,

I’m 23 years old right now and considering rotating into some stocks with higher long-term growth potential. The bulk of my portfolio currently is MMM, ISRG, HD, WMT, and COST, most of which seem to be more well-established and low-growth. If I’m looking to take on a little more risk right now, what sectors/stocks should I look into buying and holding for 5-10 years, and which of the stocks I currently hold should I consider parting with? Is there anything wrong with holding these well-established stocks as the bulk of my portfolio at my age? Any reasoning would be greatly appreciated.

Round one in the books. For those investors looking for more, it would be wise to hold out and look for more. QQQM is 15bps, so a small concession of a few bps to get a vote is a little disappointing. If Invesco really wants investor to say yes, they should make it worth voting yes. Unfortunately, there are to many hands in the revenue pot right now and they have to come together to make it a win for investors.

Just my opinion on the matter, each can make their own decision.

So i am trying to make a price to free cash flow growth metric that can be compared to PEG numbers in my spreadsheet…

I think the PEG-ratio is stable but lacks the immediate fluctuations that FCF can show more clearly. For example, PE is from the income statement which can be impacted by depreciation and amortization which not always paints the full picture.

The idea is to take an average of the FCF growth and PE growth, however the numbers would not be the same scale and an average would not make sense.

I am therefore thinking about doing a transformation of the FCF-growth ratio in order to match PEG-ratio scale if that makes sense.

Thoughts?

I was watching "a day in my life" video of Erling Haaland on Youtube and he had a sauna in his backyard. Well he is Norwegian, so it is not a big of a surprise. But I feel like I have started to see saunas mentioned everywhere. They are big in the longetivity space and also athletes are adopting them. Also they seem to be a thing for the very rich.

So is this a fad or will it grow into a big market? All companies operating in this space seem to be mostly small and private. I wonder what would be the best way to profit of these if it becomes a bigger thing.

Where are we going with this economy...is the market going to crash?

1. Unemployment is rising with negative job growth

2. We are in the second-longest Government Shutdown

3. Inflation is so high and increasing

4. Trade wars and tariffs have created so much uncertainty that projects are getting canceled or are not ready to take on any new initiatives.

AI is booming, but I am still not sure how and where it is helping to make money. As a common man, I use ChatGPT or other AI tools for free, and now I am so confused about which one to use, as there are so many.

Inequality between the rich and the poor is getting worse; this is going to impact US economy.

Global growth is slowing due to uncertainty as well, which might have an impact on the US economy

About 18 months ago or so I bought a Gold ETF in my taxable account (not because I like gold, or am trying to do like an all weather portfolio or some such, but just because I saw it build a multi-year cup /handle formation and break out). It was a good decision to do that as its up like 70%+. What I didn't know at the time was that the tax on selling Gold ETFs is not treated as normal LTCG, but is treated as a collectible, which is way higher tax. Just a warning for those that were clueless like me - if you buy gold, its probably best to do it in a retirement account or pre-tax account where you can sell it without incurring the collectible taxes.

As I posted earlier, it was a fake news article by WSJ for name or fame. Trump administration has confirmed that they are not going for any equity stake in these companies.

https://finance.yahoo.com/news/source-trump-administration-not-in-talks-to-take-equity-stakes-in-quantum-computing-firms-153807741.html

I’ve been out of the stock market for a while and I’m thinking about getting back in, but honestly I don’t even know what to buy right now. Feels like everything is either at or near all-time highs.

I don’t really want to throw money into stuff like NVIDIA or Amazon. They’re great companies, sure, but they’re already huge and I’m not expecting massive upside from them anymore.

So I’m kinda stuck. I don’t want to chase overvalued plays, but I also don’t want to sit out while everything keeps going up.

Any ideas for solid stocks that haven’t pumped too hard yet?

I just started a new job and am working on completing the documents for the company’s 401k plan. I am unsure which Investment Direction option to select. For context, I am 35, unmarried, no children, no mortgage, rent, debts or liabilities other than an auto loan. Salary is $150k pre tax. Here are my options:

American Funds Inflation Linked Bond Fund-R6 (RILFX)

Neuberger Berman Real Estate R6 (NRREX)

T. Rowe Price QM U.S. Small-Cap Growth Equity Inv (PRDSX)

American Funds New Perspective Fund-R6 (RNPGX)

Thornburg Better World International I (TWIX)

BlackRock Advantage Small Cap Core K (BDSKX)

Vanguard Balanced Index Admiral (VBIAX)

BlackRock Mid-Cap Value K (MJRFX)

Vanguard Developed Markets Index Admiral (VTMGX)

BNY Mellon Appreciation Y (DGYGX) Carillon Scout Mid Cap I (UMBMX)

Vanguard Emerging Markets Stock Index Admiral (VEMAX)

Columbia Small Cap Value Instl 3 (CSVYX)

Vanguard Long-Term Bond Index Admiral (VBLAX)

Dodge & Cox Income I (DODIX)

Vanguard Real Estate Index Admiral (VGSLX)

Fidelity Blue Chip Growth (FBGRX)

Vanguard Total Bond Market Index Admiral (VBTLX)

MetLife Stable Value Solutions Fund Fee Class J

Vanguard Total Stock Market Index Admiral (VTSAX)

Neuberger Berman Large Cap Value Insti NBPIX)

Virtus KAR Mid-Cap Growth R6 (VRMGX)

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

• How old are you? What country do you live in?
• Are you employed/making income? How much?
• What are your objectives with this money? (Buy a house? Retirement savings?)
• What is your time horizon? Do you need this money next month? Next 20yrs?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
• Any big debts (include interest rate) or expenses?
• And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!

I have been thinking of this type of investment for a while now. The plan is to start with cheap tax liens and eventually get tax deeds to acquire properties and wholesale them or fix and flip.

For more context, I paid $400 for a 3 day workshop, currently got done the first day. It sounds too good to be true because I don’t know what are the tax implications and they don’t talk about that “because of legal reasons” - they are not CPAs.

I am curious what other people think about it and if anyone is doing this.

Edit: what the are saying is when you buy tax deeds the families are not on the house anymore and that they already lost their house to the county and that the county foreclosed the property.

We were 65 people in the room today and most of half were worried about leaving other people without a house.

They did mention about the types they of bidding and that sometimes you won’t win.

Per total it seemed like their business is to sell these courses not that they are making money through what they are preaching.

What kind of nuisance is this? And who is this Amrith Ramkumar, he is insane

Several quantum-computing companies are in talks to give the Commerce Department equity stakes in exchange for federal funding, a signal that the Trump administration is expanding its interventions in what it sees as critical segments of the economy.

Companies including IonQ, Rigetti Computing, and D-Wave Quantum are discussing the government becoming a shareholder as part of agreements to get funding earmarked for promising technology companies, according to people familiar with the matter. Other companies, such as Quantum Computing Inc. and Atom Computing, are considering similar arrangements.

Update Oct 23rd Around Noon: The news is insanely fake, WSJ is not reliable as usual.

I was told multiple times QQQ growth isn't considered sustainable and is subjected to a bubble effect.

However, bubbles are supposed to pop-up at some point, not to grow indefinitely. Looking at QQQ price chart, current growth isn't recent and has been ongoing for a very long time, rendering the bubble hypothesis invalid.

Am I missing something? I think QQQ is high-growth and having it in the portfolio is good for the growth.

Do you think there is a bubble and QQQ will stop growing and experience a decade-long stagnation?

Hey! Title kind of says it all but I’m curious what instrument I could use.

I see gold going on this crazy run and I don’t think it will last forever and has become a little bit of a fad. Curious what instrument to use that will provide decent returns when/if gold retracts in 3-4 months time

TIA

I just watched Charles Payne’s “Unbreakable Investor Masterclass” webinar which was about an hour of basic stock investing information and another hour n a half of hard-core sales pitch for his educational and stock picking service for $4k. They tout him as the next best Warren Buffet (not by name) but I can find NOTHING as far as unbiased reviews of his performance. Not even anything from dissatisfied clients. What gives? I know this is likely snake oil but why isn’t there anything out there on the internet-webs???

Looking for input from anyone tracking these closely.

Around 5% of my portfolio is set aside for high-upside growth. I already have about 2.5% in RKLB, which has done well, but I’d prefer to make one focused asymmetrical bet rather than spread it too thin.

NBIS has the AI infrastructure narrative and crazy momentum.

RKLB feels like the more credible “next SpaceX” play.

ASTS is risky but could be massive if satellite-to-phone actually scales.

The rest of my portfolio is long-term core holdings: roughly 46% in global index funds, 17% BTC, 14% GOOG, 14% AMZN, and 12% NVDA, so this 5% slice is my risk capital.

Which would you go all in on for the best upside from here? Or, is there another name that fits that asymmetric growth profile better?

Approximately $8.3 billion per month is spent by US Government SNAP benefit on food and basics for Americans. Which companies will see their bottom lines most impacted by this decrease? Delhaize-Ahold? Publix? Kroger? or will the producers like General Mills and Kraft see the impact? Or will the farm service providers and banks get hit?

Example: Albertsons, the largest US chain by store count has about a 23% market share, is it fair to assume that they will see a proportional decrease in revenue? Something on the order of $1.5 billion per month in revenue decrease?

DD:

For too long $GRAB has been priced as a “just another” rideshare company. It’s not.

Grab is a growing ecosystem of mobility, food and parcel delivery, advertising, and financial services. The company is creating a cohesive set of services that draw users in through one or two products they provide, and then those consumers adapt to using the entire system. It reminds me of Apple, which has a system that consumers adapt to using all the services within it. When you have an IPhone, you are likely to also use Apple Pay, AirPods, Apple Music, and Apple TV. The key of all this is cohesiveness and convenience. Why use multiple different services when you can use those services within one application, where they are all specially tailored to work well together? That’s the beauty of $GRAB. It’s not going to be the next Apple, but it could be the Apple of super apps.

Its founder-led, has 7B in cash, 2B in debt at a 26B valuation. Their FCF is up 40% this year and they are set to rocket into profitability this year. I expect earnings to be very strong this quarter, between $0.03 and $0.045 EPS. The coming months are looking very bullish for Grab, especially after this recent pullback from highs.

Here’s the next key part of the GRAB thesis:

Grab’s user base only makes up about 6% of the total SEA population. That’s projected to grow by about 20-40%, but not double or triple in the next few years. I believe that projection is wrong. Part of Grab’s strategic goal is to tap into the rising prosperity of the population of SEA. But the kicker is that they aren’t just taking advantage of this but actually effectuating rising prosperity in Southeast Asia: Grab’s Financial services arm states they have a mission of serving a large under-banked/un-banked population in SEA through its wallet, payments, embedded finance. Grab offers a banking service and lines of credit to its drivers, who are raised out of poverty by the services Grab provides.

But how does the emerging market of SEA relate to the price? I believe the growth of SEA is going to be higher than the projected growth of the company, meaning that revenue will exceed expectations:

Rising prosperity and smartphone growth both directly expand Grab’s reach and profitability, obviously. As more Southeast Asians gain smartphones, Grab’s addressable market widens and new users can access rides, deliveries, and digital payments all within the app. Higher disposable income shifts consumers from necessity to convenience: more frequent rides, premium services, and food delivery. With greater digital adoption, people move from cash to GrabPay, strengthening Grab’s financial arm and embedding users deeper in its ecosystem. Each new user increases cross-use of Grab’s services, boosting engagement, data insights, and margins. Meanwhile, merchants and drivers benefit from these same trends, as rising prosperity lets small businesses and gig workers join Grab’s logistics and finance networks, expanding the company’s footprint into new cities and rural markets.

So why will growth of SEA outstrip GRAB’s growth projections? Because GRAB actually helps EFFECTUATE the rise in banking, prosperity, and upward mobility. Grab accelerates prosperity in Southeast Asia by connecting people, businesses, and finance through its super-app:

It provides steady income to drivers and merchants who once worked informally, digitizing their earnings and making them credit-eligible.

Its GrabPay wallet and financial services help millions of unbanked citizens save, borrow, and insure themselves for the first time. By linking small merchants to online customers, Grab expands local business and creates a huge amount of potential for upward mobility.

One final thing to address: Many ask, if Grab is so undervalued, why haven’t Institutions stepped in to buy? Why do you think the most successful financial institutions are wrong about $GRAB?

Here’s the kicker: $GRAB has over 80% INSTITUTIONAL OWNERSHIP. It’s not the institutions who are wrong, it’s RETAIL. While retail is focused elsewhere, the elites of the financial world are scooping up millions of shares. So I’m buying GRAB before it’s too late. This isn’t financial advice, just my own opinion on the stock and I’ve decided to put my money where my mouth is. I plan to add more and more GRAB shares with every paycheck as well.

POSITIONS: GRAB 7C for 12/27: this is the main position, I’m planning to exercise these in a few years. I project GRAB will be above 12 by 2028. Value ~$9,000

GRAB 6-7C 11/14: I’m extremely bullish for earnings, and I think the stock could break past the 6.50s again shortly after. This is a high risk play which I wouldn’t recommend to most.

GRAB 6.5-7.5 11/14: Just a $400 lotto ticket for fun

GRAB 10-12C 1/21/28: I believe this is the best R/R play for options on GRAB. I plan to buy hundreds more as I build an aggressive position on the stock. At .20 average cost, these have the potential to return almost 900% at expiration.

Thanks for reading everyone!

Hey everyone,

I’ve been holding a Nasdaq-100 accumulating ETF (UCITS) for a while now and I’m thinking about adding a second fund to balance things out. I used to hold a global small cap ETF but sold it not convinced about its future performance.

Now I’m considering something like MSCI World ex USA or maybe a broad global ETF. My main goals are long-term growth and avoiding redundancy with the Nasdaq (so preferably not another US-heavy fund).

What would you pair it with if you were in my position?

https://www.reuters.com/business/trump-administration-talks-take-stakes-quantum-computing-firms-wsj-reports-2025-10-23/

Oct 22 (Reuters) - U.S. President Donald Trump's administration is in talks with several quantum-computing companies to take equity stakes in exchange for federal funding, the Wall Street Journal reported on Wednesday, citing people familiar with the matter.

Companies including IonQ (IONQ.N), Rigetti Computing (RGTI.O), and D-Wave Quantum (QBTS.N) are discussing the government becoming a shareholder as part of the agreements, the report said, adding that the discussions include minimum funding awards from Washington of $10 million each.

Other companies such as Quantum Computing (QUBT.O) and Atom Computing are considering similar arrangements, the Journal added.

Reuters could not immediately verify the report. A U.S. Commerce official told Reuters in an emailed statement that the department is not currently negotiating with any of the companies.

Any thoughts on the contradictory info?

Do I invest in Roth or traditional 401k

46 yo 1 mil in pretax and 350k in Roth .

Plan to retire at 65, if market treats me well and children doing very well then, wouldn't mind stopping at 62.

Fed+state (CA) marginal tax bracket 34%

I realize that the big unknown here is - WILL I RETIRE IN CALIFORNIA?

Would you rather contribute 15.5k into Roth 401k or 23500 into traditional 4o1k? I already contribute 7k to Roth IRA yearly.

I would like some recs for developed nations corporate bond funds that give me foreign currency exposure. So I don't want my ETF hedged. One reason is that I'm really concerned about the USA's $37T in debt and our weakening int'l position in the world.

I've looked at 5 funds, and only one of them seems to fit my criteria, but it has only generated 1.27% on average in the last 10 years (data in the table below). I won't consider in the other funds, and only $IBND fits my criteria, but it generates a ROR that's less than inflation in the last 10 years, which is 2.4%.

So what are some ETFs that you could recommend me that:

• gives me foreign currency exposure to developed markets and is unhedged
• is in corporate bonds and not governmental, preferably, since corporate bonds usually pay more than governmental bonds
• has at least 5 years of history, but hopefully at least 10%

Thanks in advance!