VT

DuckLIT122000

I'm unfamiliar with what options there are in the UAE, but the most generic advice I can give is to invest in VT which is Vanguard's global stock market ETF using whatever type of account gives you the best tax implications

Dear-End8908

Try to just buy VT in great amounts and stop wasting time

West_Resource7151

If you can't articulate a logical reason that you should make money vs the thousands and thousands of other people studying and trading options or an individual stock, and for many of those thousands it's their full time job backed by trading firms with deep pockets and advance technology, then don't make the trade. Good news is you are young, at 21 you've barely started and can recover from literally anything financial. What pretty much anyone can observe is what the stock market averages have done over long periods of time. Focus on gaining knowledge and then advancing your career and earning power, while regularly investing in (dollar cost averaging) the general stock market via etfs like VTI or VT. The 20 grand you lost at 21 will be meaningless in 21 more years. Or, every time you save up $20k bet it on some options and see if you get lucky, rinse and repeat. If you live enough lifetimes you will randomly get rich...most of the lifetimes you will be financially miserable though.

Qwertyham

The S&P 500 is up 16% and VT is up 20% YTD. He got lucky timing the market and still underperformed

Qwertyham

Nah just buy and hold until retirement, especially since OP is so young. The S&P 500 is up almost 16% YTD and VT is up 20% YTD. He got lucky timing the market and still underperformed lol

givemeyourbiscuitplz

So you took way more than risks than if you had invested in a globally diversified etf (such as VT), and made substantially less return (depending on on which timeframe you use). You're not investing, you're gambling, and you've lost from loss opportunity cost.

AltoidStrong

Easy way is just VT + BND and chill.

KingOfAgAndAu

VT exists yet people still gamble

floatingostrichs

Ya, stop buying individual stocks and start buying VOO and VXUS or VT. You don’t know as much as you think, and you are far more likely to do worse for the rest of your life compared to any other of your brain dead friends that chose to blindly DCA into indexes

Maleficent-Hold-5466

just do VT and forget about it

robdenbleyker

VXUS is only international. VT would be the total global market ETF to use. It comprises every traded company on earth, and automatically rebalances between market caps and between the US ex-US markets as time goes on.

Key-Willow1922

Any broad market ETF is a pretty safe bet... VTI/VOO. Could be one with international exposure like VT if you're boomer-level risk adverse.

xx123234

I don’t care, just VT and chill

Educational_Care_156

All these companies in the circle are real big and profitable companies. Not some startups without revenues burning VT cash. Even if AI is overvalued (which I am not even 100% certain) these companies will not die because of it.

blorg

https://stockcharts.com/freecharts/perf.php?VT,VTI,EWZ&n=4371&O=011000

Kaa_The_Snake

VT and chill.

telos211

“VT and chill” - Warren buffet - Michael Scott

Coinpanda92

Still wouldn't hold just S&P. VT in my opinion is much better for a balanced portfolio. Still has a huge US exposure, if you want more allocate 10 to 20% to S&P and VTI.

VegetableJunkie

VT

Detail4

Just buy VOO or VT/VTI and chill rather than looking around for some crazy play. Then someday when you have a nice pile of money you can add individual stocks with money that won’t hurt to lose.

clock_skew

S&P 500 is definitely more popular but there are plenty of VT/VTI investors. And since S&P 500 is ~90% of the US total market and highly correlated with the total market I don’t think you can say total market investing makes zero sense if you invest in the S&P.

engprog

VT and chill would disagree

Particular-Trifle-22

I agree with the making them money part for sure. im considering mimicking a VT style portfolio. SP500, Russell Midcap index, Russel 2000, and Intl Index Fund. I summarized the funds but thats what theyre made up of. Just have to figure out the proper mix, especially since Russell Mid Cap is overlapped with 300 companies in sp500. UGh..

B00marangTrotter

My index fund VT is 1.23% Tesla, and I'm hedging that with VXUS. I absolutely hate that I have money in Tesla, I fucking cancel rides on Lyft and Uber if they're fucking Tesla. They suck. The ride is so bad it's like winning tickets to the world cup and your seat is inside the fucking soccer ball ⚽. I want nothing but pain and misery for musk, he's a fucking Bond villain.

StophJS

What's on your watchlist for the dip? I am tempted to buy up a bunch of CRSP right now but would be selling VT to do it and therefore taking on a lot of additional risk.

Ajk337

VT

Kitchen_Catch3183

> It’s a fact that the other 493 companies barely contribute to the index’s return. Time period needed for this statement. > They are just dead weight dragging down your returns. My goal isn’t to maximize returns. > So if you avoid international because it has too much garbage, then you should avoid sp500 as well and focus on the top 7 companies in the US. The top 7 companies when? I’ll always own the top 7 companies in the US. > I don’t invest in individual companies. I buy VT. Which btw has been outperforming VOO this year. You own a lot of garbage. In fact, you convert your USD to garbage currencies just to “invest” in garbage quasi-government shell companies. I’ll stick with blue chip US stocks.

LividChocolate4786

That’s not an opinion. It’s a fact that the other 493 companies barely contribute to the index’s return. They are just dead weight. So if you avoid international because it has too much garbage, then you should avoid sp500 as well and focus on the actually valuable companies in the US. I don’t invest in individual companies. I buy VT. Which btw has been outperforming VOO this year.

cofonseca

Do not waste your money on this shit. Put your money into a good ETF like VGT, VOO, VTI, or VT. Add more to it every time you get paid. Keep that up for 30 years and you'll have a nice fat stack of cash to retire with. You should also ditch that bank and switch to one that offers a high-yield savings account. Ally is popular and gives 3.4% right now.

Knicks82

Those 61 upvotes are probably people 35 and under who’ve never through the dot com bubble, the Great Recession, let alone things like the Nikkei crash. If you take a longer view of the markets then diversifying makes sense. And it’s good to remember that it’s never about whether the US economy or companies will do “better,” but whether that valuation is already baked in to some degree while international may be undervalued. In 2007/08 people were saying “why invest in the us” and in the 80s Japan’s market was basically voo today. IMHO the correct stance is to say “we don’t really know” and to be agnostic, and therefore have diversification. Do i *think* the US will continue to outperform in the coming decades? Sure, which is why I’m about 80/20 in VT and VXUS. But do I know? I’d have to have pretty severe recency bias and arrogance to think so.

NetZeroSun

So there are good things to learn from the experience. You can do short term trading or invest for long term. Short term is always an opportunity gain or loss. If you are good at it you probably won’t be here now. And it’s a fast and easy way to lose money. Long term investment and hold is far safer for the average investor. Specially someone who doesn’t know much about the stock market. The hardest part is just holding on to it and be patience, even in the dip. Just keep DCA over time. If market is bad? Good time to add to cheaper stocks. Boring is good. And going into broad markets are a good starting point for many people. If you are not sure. Start with voo or vti or VT (world). Take a look at the boggle head sub in Reddit and read up more. Good luck.

SmallCapsOnly

Am I regarded? Yes, I am regarded for my position in $LENZ. However we are all regarded, we are not here to full port 100% VT and brag about it. We are here to put $10k on something wild and hit the fucking lotto. Be kind. Love you all. Hope you all make it big so we can change our lives and the lives of the ones we love. Yours Truly, -SCO

SmallCapsOnly

That’s fine and majority have that mindset however they only need to capture 1% of their 126,00,000 target demographic to become a 1 billion dollar revenue generating company. October was their launch month. It’s very early and my thesis has me holding until June of next year at the earliest. Best of luck on whatever regarded play you’re currently in here. We aren’t at WSB for shit like 100% portfolios in VT. We aren’t here to hit home runs. People always doubt the prophets but worship them after the fact. In reality I’ll go to $0 on this gamble investment and I’m okay with that because that’s my comfort level on the risk here. -yours truly, hineybooboo

PaperHandsTheDip

But money markets riding ATH levels of cash. Of course we expect it to go brrr. What else are they gonna do with it? Sit on worthless cash? Perhaps everything is undervalued here, not overvalued due to the sheer magnitude of cash now in existence? Maybe the dollar is just losing a fuckton of value which has the effect of making everything in our markets go brr. We already know its faceplanting (down almost 10% YTD compared to other currencies) [https://fred.stlouisfed.org/series/MMMFFAQ027S](https://fred.stlouisfed.org/series/MMMFFAQ027S) [https://fred.stlouisfed.org/series/M2SL](https://fred.stlouisfed.org/series/M2SL) \--- US markets are ALSO underperforming the global index too - which further backs this point. SPY +16% YTD VT +20% YTD

Fritz1705

VT is the entire world in one ETF. It’s about risk adjusted returns and avoiding concentration in a singular market or country. Investing should be viewed as a balancing act between risk factors not chasing what has done well in the past. If you own the world you eliminate the vast majority of uncompensated risk and protect your wealth from concentration.

Amiable_One

S&P seems to perform better then VT. What am I missing here?

Fritz1705

VT and that’s it.

clingbat

I literally just gave a conference talk at DCD on these challenges earlier this week, it's not going nearly as fast as you'd hope and we're working with utilities to try to streamline their processes but it's a slog. This is my day to day, dealing with all this shit. If/when I move our funds it's just going to be shifting to something broader like VT with some built in international exposure and less direct tech exposure so the slump doesn't hit as hard, and/or something like VTI if I don't have a VT like option in the 401ks. I don't think anyone will be escaping completely unscathed, but hopefully it doesn't take basically 15 years for the SP500 to break even though like it did 1999-2014 (not factoring in inflation even).

Various_Couple_764

Instead of SCHD I would go with QQQI. Many like SCHD for its growth and it also adds a little bi to sweetness from its dividend. VTI and VT are better for growth. leaving just the dividend which is small. QQQI has a dividend yield of about 13% about 3 times. higher. Eventually QQQI will produce more the 7000 a yard of income. As much or more than your yearly deposit into the roth. The dividends have no effect on the depoist limit. And ther is no limit on the ammount of dividend cash flow into the Roth acount. The ammount of money you need invested to $7000 in dividends is : QQQI 54K. VTI 614K. VT 414K. You can see it takes a lot less money in the to get a lot of dividend from QQQI compared to the other 2. Most of the growth during the firs 15 years comes from the money flow into the account. Not the growth from your growth funds. I would put all of your deposits into QQQI for the first 5 years to get it to produce 7000 a year. then use the dividends and your yearly deposits to build the other two funds as well as QQQI and any other dividend or growth funds you might like. fund you might like. I am nearing retirement and my right now gets 30K of dividends a year plus you have 7000 deposit limit for a total inflow of 37K a year. If you just used VT and VTI it would take a lot longer to get to 37K of cash inflow a year without QQQI.

Nosemyfart

Why don't you just go all in on VT and call it a day? You're only 26, you can add bonds later

etaoin314

Because the market weighting is an critical function to keep the index profitable. the weighting makes sure you are putting more on better bets in the market. You can certainly overweight your portfolio with something like VXUS if you feel that VT is too bullish on the US.

Business-Ad-5344

bernie madoff was a fiduciary and t rowe price had fiduciary duty. they ripped people off. t rowe price ripped people off and got fined for it. just like many other fiduciaries. they get investigated and it is found that they are scamming people. chase got caught doing that recently. schwab got caught. their robo-advisor was allocating to benefit Schwab's revenues over the Customer. annuities are NOT the way to go. those are going to be eaten up by fees and you're going to lose a lot of money. There's a high chance of getting straight-up scammed. they should get part HYSA, part VTI or VT. they should get a rice and beans diet, visit r/frugal regularly. and since they are 54 and not 74, they shouldn't give up on getting a WFH job. they should continue that route, and even grind and pivot into another field. It can take years to get a small business up and running such as teaching english online, or getting the right education/certs.

BuriedMystic

Switch to a 100% VT portfolio. Forget about picking stocks.

tomtim90

Nah cuz I'm gonna win it, but you'd be able to buy like $230 million shares lump sum after federal taxes. With that kind of money tho, I'd be boring AF about it and put 150 million in VT, 50 million in a bond ladder, keep 5 million to spend, and put the other 25 million into w/e random stocks I like.

Due_Car_5466

You need to stop picking sectors on past performance. Just buy VT or VTI + VXUS and let the market pick the winners for you. You are young, there is no need to add speculation to a portfolio that will make you rich over 40 years. Good luck!

SavageDuckling

This one feels different fams. Should I sell out and sit on the sidelines with cash for a minute or just go all in VT. Am I becoming a 🌈🐻

Cruian

Mostly either RSSB or FZROX + FZILX (these 2 in a ratio that is within reasonable rounding range of VT: I believe VT is currently about 36 or 37% international, so I aim for FZILX to be between 35 and 40%).

GeneralStudy8636

Thanks man. I appreciate it. May I ask what you hold? Is it just VTI + VXUS or just VT?

SavageDuckling

This one feels different fams. Should I sell out and sit on the sidelines with cash for a minute or just go all in VT. Am I becoming a 🌈🐻

therealjerseytom

I'd skip the gold, crypto, and ARKK entirely. Keep it simple with just VT, or VTI + VXUS or something The amount you can save and put away will make vastly more difference over your first 5-10 years, than any of this farting around to two decimal places with how much of SCHG or QQQ you do. Side note, QQQ is *not* "tech."

Business-Ad-5344

if you're really moderate risk, then even VOO might be too risky. you might be 100% VT after putting six months savings in a HYSA. then continue to add to both over time.

kazzin8

Single stocks are much more risky. If I were you, I'd go for an index fund like VT (all world stocks) or VTI (all US stocks). Check out the guide on r/personalfinance to make sure you're setting yourself up with the right accounts and cushion before investing.

spicystreetmeat

OpenAI isn’t publicly traded. It’s not a factor in the price of SPY or VT. Amazon, meta, NVDA, Microsoft are all real companies creating huge value with enormous profits. The current value of OpenAI is less than 1/10 of NVDA alone and makes up only 1% of the total market cap of the SP500. It’s small potatoes comparatively speaking

EdenSilver113

What’s the logic with VT? I’m not saying it’s a bad strategy at all. Just wondering what you’re thinking?

Speech_Path

Didn’t even look at it from that perspective. I was just focused on the growth without realizing how easy it is for stocks to drop. Think I’ll just dump it all into VT. Thanks for the response!

Cracked_Tendies

If you're new, then why are you investing in single stocks? Just stick all your money into VT until you know what you're doing lmao. You're the reason why retail underperforms VT by 2% per year on average

Pleasant_Range8754

Hi guys I’m from Brazil and recently started investing in the U.S. My goal is to keep this portfolio for the long term and use it during retirement (around age 65–70). I’m currently 35 and investing now 500k USD (actually ~50% of my net worth). Here’s my current allocation, and I’d love to hear your thoughts: • 25% QQQ • 12.5% VOO • 12.5% VT • 10% BIZD • 10% VNQ • 10% VPU • 5% IBIT • 5% GLD Not sure if I am beeing too aggressive. Thanks everyone :)

xx123234

You don’t have to understand all these, just VT and chill

Bob4Not

Based on decades of US stock market history, time IN the market is almost always better than attempting to time the market’s highs and lows. Some people get lucky, and maybe it’s fun to use a little fun money to do short trades. But overall, you will likely see the best returns by continually investing over time and selling closer to retirement. Funds, like market ETF’s like VOO or VT let you invest in a chunk of the market instead of individual companies

GurDry5336

If your investment time horizon is long enough and you’re happy with average market returns then the obvious answer is to buy low cost index funds such as VT VTI/ VXUS or VOO. You just buy and hold through think and thin. The eventual downturns are just opportunities to accumulate more shares at lower prices. Now “average market returns” aren’t really average at all for most individual investors because they don’t do what I just said. They generally panic sell and drive down their average returns by several percent. Or think they can time the market and destroy their time in the market. It’s a losing game to chase returns. That’s a fact that’s born out in the statistics.

Aerzon_

I'd probably dump a good 5k into VT if it did happen.

elinordash

Don't move the money. *Call* Vanguard tomorrow and have someone walk you through the process of actually buying an ETF. You clearly need support handling this, so make it a phone call. My investment suggestion would be VT. That is the global stock market. Make sure it is set to reinvest dividends and then just let it ride.

ditka

VMFXX is likely the "default" investment choice for your account You need to log in to your Vanguard account and change the investment fund for your existing $$ I don't know what your time horizon/age/risk tolerance is, so I can't advise you for *which* fund you should invest into. Perhaps something like VT or VTI. Or a balanced fund like VBIAX. https://www.reddit.com/r/Bogleheads/

AdQuick8612

VT

Individual_Clue_6209

Take sheltered account? Why not VT? 

gizmole

If you really know how to evaluate individual stocks and concentrate your portfolio (obviously with added risk) you can do better that 7%. But most do not and that’s why they stick to VOO or VT and chill.

Defiant_Departure270

My father in law is 87. He has been fully invested in vehicles like $VT and $VFIAX and the like for his entire working life and retirement at 55. He always keeps three years living expenses in cash and the remaining always invested long. He’s a multimillionaire of course because he didn’t do a damn thing but stay fully invested except for the cash in his checking account. This means he lived through the October 1987 crash, the dot com crash, the 2008 crash, the 2020 crash….he simply stays long. If he can do it, we can all do it. I asked him what his strategy was…what his secret was….he said…it’s simple…I stay long and ignore everyone and all market conditions.

Alienware15rr3

someone with a 401k target date fund which acts like VT and chill with bonds for your retirement age will have a much different experience to someone 100%sp500 or a traditional 60/40. Let's say you rode a bull run from 25-35 at 100% sp500, and want to slow volatility while things are at peak, moving to 60/40 or 70/30 wouldn't be trying to time the market, its choosing a less volatile way to accumulate.

wolfonwheels554

my 500k portfolio, entirely invested in VT, is up 100k in the last year. I think funds have done well too

cattlecabal

VT and chill

MrSincerao

Why not VT?

Detail4

For people starting out I’d do SPY or VT/VTI until they have $100k+ in the market. There’s no need to diversify more than that in stocks. Of course prior to investing in stocks one should try to build up a 3-6 month worth of expenses emergency fund. I’ve bought and held quite a few individual stocks that have done great (NFLX, NVDA, MSFT, AAPL) long term and I think it’s worth trying just not until you have a strong foundation

brorix

Sounds good, i am a bit undecided about either selling tech and buy more index aka VT to diversify more or go and buy Meta and Amazon. I feel like the mag 7 are too big to fail, they generate cash either way.

Emotional-Power-7242

There's no particularly good reason to have both VOO and QQQ. QQQ has done very well for the last 15 years or so and people have recency bias, that's the main reason people hold it. But past performance is not indicative of future performance. VT is 65% VOO and 35% VXUS in a single fund. Generally you wouldn't hold VOO and VT. You'd hold either VOO and VXUS or just VT by itself for simplicity.

pandadogunited

It’s only 4.26% of VT, so we need to bring up the numbers a bit.

8--2

Being worried is totally normal. A good way to get started while lowering risk is to set and forget an automatic weekly contribution to VT. If the market does crash you ride it down and that also means you’re going to buy the bottom and then ride it back up as well. 

Plantain_Supernova1

An upward line is going to have a lot of all time highs. [https://dorseywright.nasdaq.com/research/bigwire/2025/10/28/10-28-2025/the-sandp-has-hit-40-record-highs-this-year](https://dorseywright.nasdaq.com/research/bigwire/2025/10/28/10-28-2025/the-sandp-has-hit-40-record-highs-this-year) \- The S&P has notched an all time high 100 times the last 2 years. There's always a bubble, something that's going to burst "any day now", something that's going to "return it to the norm". A pretty common logical fallacy people make is that if something hits an all time high of say 100, we mentally think "OK, it'll return down to 80 which is the norm" and there's no reason to think that 80 is the norm. My "advice" if you're risk averse and still want to invest would be to get into something like VT or RSSB which is the entire global marketplace. If it drops, anything else would have dropped also. Further, and I think about this a lot, holding cash and not "getting in" is not a 0% return, it's a -3% return thanks to inflation, and sometimes larger.

Aerzon_

VT, not VTI

Awkward-Painter-2024

Dude... just autoinvest $50/week into VT or VTI or ITOT or VOO and go live your life.

thadcorn

My mistake. I meant to put in VT. Edited.

BusinessGoblins

I've been selling puts and scalping here and there, but I'm mostly cash gang in my trading account. I'm still a boglehead at heart and my long term position (VT) is untouched and will remain untouched. But I'm def ready to take advantage of any significant downturn.

SnS2500

\> why we should have both QQQM and VOO when they overlap Your second share of VOO 100% overlaps your first share. Overlap is a useless concept. \> Wouldnt it be better to have VOO, SCHD, and VT? What are you trying to do, have different stuff or make money? Don't focus on the meaningless stuff. Look for investments that satisfy your forward expectations and risk levels.

howtoretireby40

It’s funny, I used to be VOO (s&p500) but then switched to VTI (total US) and now I’m thinking I need to be VT (US and international). But the equal weighting idea is also intriguing.

-LoboMau

You've got a lot of overlap there; SCHG's top holdings are already a huge part of VOO. If you're aiming for a real value blend and risk management, a dedicated value fund or even a broader total market index like ITOT or VT would give you better diversification than VOO alongside SCHG.

hymie-the-robot

VOO is S&P 500; VTI is US total market, which essentially subsumes VOO. SCHD + VOO will double you up on companies in SCHD, and similarly for QQQM. you could consider VT to be equivalent to a combo of VTI and VXUS, so you could buy, say 60 VTI, 40 VXUS or 75:25, depending on your preference, instead of VT. note that, unless you need the income, SCHD will tend to give you less total return (dividends plus capital growth) than VT et al., so I recommend folding it into VT. by the way, I was constantly confusing VT and VTI when writing this, so take great care to pick the right one. (I wish Vanguard would rename VT and VTI to lessen this confusion.) I would consider changing your three options to: 1. 60 VTI, 20 SCHD, 20 VXUS (and preferably 80 VTI, 20 VXUS) , noting that this doubles you up on SCHD stocks; 2. 40 VTI, 20 QQQM, 20 SCHD, 20 VXUS, noting that this doubles you up on both SCHD and QQQM, and hence 80 VTI, 20 VXUS is preferable; 3. 70 VTI, 30 VXUS (or simply 100 VT). since you prefer safe growth, consider avoiding QQQM. VTI is already packed to the gills with tech stocks, and it may be a good time to exercise restraint in that realm. good luck.

hv876

I got a haircut today and told the lady who cut my hair to buy VT. She was going to buy Bitcoin. I made her buy the dip.

Proteinshake4

How many years until you are buying a house? If you buy something like VOO or VT and the market drops you will lose money when you sell your buy the house. CDs are an option too. The internet is great for stock tips but I only gamble money I can afford to lose.

ShakeItLikeIDo

I’ll do VT

davida_usa

Your idea of $100-$200 a week into an ETF is a great idea but the S&P 500 is a terrible idea. The S&P 500 is dominated by mega-cap stocks and is about 40% technology. This is the sector most susceptible to a huge crash. You'd be better off in a more diverse ETF like VT.

meathead13_

1. Delete robinhood 2. Make an account with Fidelity so you can use fractional share investing if you’re only going to add $100-$200 a week. 3. Buy VT at a regular interval 4. Wait

NotEasyBeingGreener

Don't use Robinhood for your long term investments. You are gamifying your portfolio with a product designed for trading. Just create an account with Vanguard or Fidelity and set up automatic investments and *do not touch it*. The biggest risk is not that the investment temporarily drops, but that it drops and you decide to sell it, locking in that loss. Just buy VT so that you get the total stock market and chill, no matter what the market does. r/VTandchill

taplar

A total world ETF like VT would diversify yourself from just investing in the USA. 

simplethingsoflife

True but the fees are negligible now. For example FIOFX has expense ratio of .12% vs VT .06%… so for a portfolio of $100k you’re paying $60/yr to have it auto balanced and lose the temptation to day trade.

helpwithsong2024

Can't upvote this enough. I like VT but I do it as VOO/VXUS in a 70/30 split.

DaBombDiggidy

I like to do a mix of retirement date funds, US funds and total market funds. At your age though I’d probably suggest 40/30/30 VOO/VT/VTI and then start making some of your yearly contributions into retirement funds around 30 years old. If your retirement date straddles two funds split into both.

helikophis

If you have earned income (reported to the government), you can put that much (up to $7,000 a year) into a “Roth IRA”. This is a tax free retirement account. I know it seems like retirement will never happen, but if you fund your Roth with $7k today, and use that to buy “VT” (which is a fund containing every stock possible in the world), that could easily grow to $200k by the time you retire.

elinordash

A basic financial plan has three elements: an emergency fund, a retirement fund and then (least important) taxable brokerage. If you don't already have an emergency fund, open a HYSA and deposit at least 3 months of expenses. Maybe six months if you want to be safer. This money will earn a small amount of interest and you can dip into it for things like a job loss, a car repair you don't have the funds for in checking, etc. Next we get to investing. The big three investing companies are Schwab, Fidelity, and Vanguard. They are very similar and very low cost. If you are employed and earn under $150k, I would strongly suggest opening a Roth IRA with the max yearly amount- $7000. And I would try to add $7k a year. Beyond that, you can put money into taxable brokerage. One idiot proof investment is VT. That is an etf of the entire global stock market. Reinvesting dividends is a setting within your account. Read [this](https://www.reddit.com/r/personalfinance/wiki/commontopics)

Professional-Pin5125

VT

curiouscirrus

I don’t, that’s why I diversify into across the whole world with VT.

Leroy--Brown

Just buy all of them. VT or VTI. Literally just dump all of it into one of those. If you're bored, save 50k for you to invest in dumb stuff. Who knows, maybe you'll strike gold? Or save that 50k for identifying good value or defensive stocks, even though value investing is mostly dead.