ROTH
PHARMAROTH LABS INC
stock OTC

> Note, Roth is the last name of Senator Roth, so only the R is capitalized when you write it.
At least they called it a "ROTH IRA".
It's a pet peeve of mine that some people say "a Roth".

ROTH IRA

this is why I swing trade my Brokerage and only trade 8 tickers in my ROTH/IRA.....

Dang okay this is a lot of good stuff, thank you. The #1 thing I've been hearing is to get a ROTH going, so that'll be my priority.
On that topic, though, I feel the question becomes whatever I should open a ROTH in Robinhood or Fidelity. I really dont know what the differences are, and I'll look into it myself as well, but I'm wondering if it matters which I do as long as its all in one spot.

To be 18 again. Max your ROTH this year. The rest blow it on fun. Travel! Learn a new language. You are 18 after all!

I want to invest and save for my future retirement. I **live** in **Puerto Rico** and I have an account on **Vanguard** that is call **ROTH IRA Brokerage Account**. I really don't know where to start.

1) How can I verify if using that account and living in Puerto Rico is correct? Is using apps like Robinhood or Webull better?
2) Where can I study to undestand the platform (Vanguard) and the world of investing?
3) Do you recommend taking a online course to understand better about the stock market?
4) Where can I go if I have a question about anything related to investing?
Thanks!

ROTH IRA for sure. And then the rest u should invest in ETF to get dividend.

lean into ROTH as hard as possible.

https://imgur.com/a/hVLf0A1
I started investing around 18, and after some (very) risky dabbling into day trading, I completely shifted my focus and have been safely growing for the past 3 years.
Right now I have 4k in Robinhood (with about 38% in tech and 20% in crypto, which I know is already a high-risk industry and did well the past few years). I also have ~$2,900 in Fidelity Mutual Funds, (with a significant portion being in FSELX Semiconductors Portfolio) but I'm planning on potentially turnong that into a ROTH. Finally, I have ~$2,400 in a Wealthfront cash account (picture not included) with 4.00% APY, which I started last year.
Though I think this is an okay start, I feel I could have gotten more if I took some more (reasonable) chances with some individual high-yeild stocks given my age. I am thinking about potentially reorganizing my Robinhood portfolio to cover more sectors while also allowing for investing toward higher risk stocks.
Since I'm still living with my parents, most of the money I would earn from my job would go towards investing. I would likely put most toward stocks and a little towards the savings accounts. The main thing is I feel like I'm all over the place with my plan. I want to take advantage of my young age and invest in riskier stocks that could be great for the future. Though I also know about the importance of safely investing early, though I dont know if both the cash account and mutual funds are necessary. I want help refining my portfolio across Robinhood, Fidelity, and Wealthfront to still be solid for saving, but giving more room to invest in stocks due to my young age.
Any advice is greatly appreciated, but I would like advice specifically on:
1. If I have the right idea for investing at my age
2. If I should take money out of Fidelity and Wealthfront to put into my Robinhood to get a better ratio of stocks/fixed income
3. Thoughts on my current Robinhood portfolio and diversification
4. If I should simplify my Fidelity funds and fully transfer to a ROTH IRA
5. Necessity of having both Fidelity and Wealthfront Cash accounts at my age
I know this is a lot, so thanks in advance to anyone reading and willing to help!

Your company’s ROTH custodian will offer a list of investments you can invest in via their company plan. Get that list of securities. Should include individual stocks, mutual funds, ETFs, etc.. Pick investments that will yield more than inflation = 3%. The good investment companies offer dividend yields of 15% and more. Hopefully you can invest in dividend index ETF funds that track the S&P500 and Nasdaq 100 stocks with yields of 10%+. Hope this helps. Good luck!

Do you want to invest or speculate (high risk, high return)?
Crypto, penny stocks etc. are good for trying to strike gold - boom or bust type of thing; perhaps something like Bitcoin is good to hold long term.
If playing smart means for you to play it for safe steady growth for your distant future retirement: get something like Acorns or Robinhood which automatically invest small amount on periodic intervals in a balanced ETF portfolio. Never too early to setup ROTH IRA (e.g. Acorns Later account) that will be tax-free growth for your retirement.

ROTH IRA.

Can someone explain to me what this is? Received this letter but I don’t have a Government Money Market Fund? I do have a tiny ROTH IRA. Thank you!

You forgot to deduct the $23,500 in 401k contributions... so your take home would be in the $78K area.
Also when withdrawing from 401k you're taxed at standard income rates... unless it's a ROTH 401k, but your logic would be even more flawed than it already is.
So you didn't get the scenario right.

Hello, I am fairly new to investing and I would appreciate any advice on my ROTH IRA portfolio. I am not able to max it out, but instead contribute 5% of my pay each pay period.
Here is my asset allocation:
FSKAX - 40%
FSPGX - 30%
FISVX - 20%
FTIHX - 10%
Thank you

Do you meet the income requirements to contribute to a ROTH IRA?
If so, then max that out 1st.
If not, then you are just investing in a taxable account and invest based on your asset allocation in a tax efficient manner.
So…stocks in taxable and bonds in tax deferred.
Probably VTI is what you are going to invest in for the taxable account.
If the taxable account amount gets large enough then you will need to change what you are invested in for your tax deferred accounts.
Start with your asset allocation and your current tax deferred investments. The money in the taxable account just becomes part of your asset allocation.
Also, if you don’t have an investment policy statement (IPS) then create one.

This market is absolute madness. A part of me just wants to make my ROTH:
20% Bitcoin, 20% Palantir, 20% Walmart, 20% Him and Hers, 20% Nvidia
Literally the future port for Idiocracy that we live in.

ROTH IRA

Ordinary people who save money, but aren’t financially literate.
If you’re saving money and not even throwing it into a high yield savings account like PNC that offers a 3.95% interest rate and planning for retirement with at least a ROTH IRA, I don’t know what to tell you.

Yes, this \^
If this doesn't work in 2-3 years I'll send this 20% of my larger pie and reinvest it back into the 80% Bogleheads ETFs I've got running in the rest of the ROTH IRA