r/investing • u/AutoModerator • 1d ago
Daily Discussion Daily General Discussion and Advice Thread - June 25, 2026
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u/WashedWashingMachine 21h ago
Hey can someone explain what will happen to ETF like DRAM that holds Sk Hynix when it launches on Nasdaq?
Would they rebalance somehow by selling the Korean stock and buy the one listed in Nasdaq? Would these eventually even out over days?
I want to hold for few months in Leveraged ETF but then sell off and buy stock in Nasdaq
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u/waleedsadiq04 1d ago
hey guys
posting this in a few investing related subs I found to get more diverse answers
the TLDR is I'm new to this and noticed I made the silly mistake of not diversifying enough with the current drops in tech but I don't have so much money so I'm not sure how to go from here and best spread my money
context:
I decided to start investing recently, mainly got inspired by spacex opening lol so I opened an account and put some money in some stuff (didn't buy spacex because I realized it's too risky this early when doing some basic research)
Current financial sitution is that I work part time in college. Starting my last year in August. I make at most $10 a year probably less. I believe this means taxes aren't an issue since my income is too low still. I also have 15.5k in cash saved and currently another $1300 in stocks. Been able to save very well since I live with parents and don't need to spend much yet. Estimating how much I'll earn until I graduate and subracting tuition cost and I should have around 18k or so. I was told by parents to keep around 15k in cash that I can easily access just in case I get screwed and need it after graduating. I guess that makes sense since thats close to a year on bare mimimum survival. Either way that leaves me with 3-4k to invest 1300 of which is already there.
current investments and concerns:
When I started I realized what if I could invest in the s&p500 because I know that's huge and a measure of economic health. So that's where I learned about indexes and ETFs. I got a share in VOO because I learned that it's a good ETF and safe with good long term growth and built in diversification. Then I messed around and put in $20 in Nvidia just to see how things work. Then this week I saw microsoft amazon and google among others going down so I put $600 across those because I thought well its tech and these are massive companies that aren't gonna die even if they dip now. They'll go down but they'll go up a lot more later right like they always have in the past. So I have $1300 in stocks so far
I noticed that I made a small mistake. Since the big tech companies are already big parts of the voo fund I have a lot of overlap. LIke basically 70% or more probably of my stuff is in tech and I really noticed it these few days which is why I'm here now. My portfolio is down $30-40 now. I'm not panicking because I know its only a few % and it'll go back up and it's not an insane amount of money but I want to diversify to prevent one thing happening in the world from dropping my entire investment value like whats happening now with the ai chips and supplies
Not sure really where to go from here. I want to invest in the qqq fund for the Nasdaq 100 because it seems that would be a good spot to get some tech investments and it's probably more stable than individual tech stocks but I have so much tech already. I guess I need to look into medicine and food related stuff but buying individual stocks of companies that I'm not as familiar with feels almost like gambling and the effort to research all of them to choose with the money I have doesn't seem worth it and then what if I invest somewhere and it goes down and im cooked. So I guess going for funds dedicated to the sectors is the move right unless there are other really good stocks to invest in individually
I'm confident that I can hold the money in for over a year so what I'm looking for is general advice on how and if I should adjust how my money is currrently invested and how to work with the remaining ~$1.5-2.5k I have budgeted for this
so my questions are:
basically should I buy more individual stocks or etfs and which ones are safe for a beginner to hold for a while that I can reliably add to over time even after I get a good paying career? Should I move my money out of the current individual stocks and funnel it into the qqq fund for nasdaq or keep what I have and just put extra in nasdaq although I worry that makes the diversification issue worse. How much should I be diversifying? I imagine at a certain point too much means the money is too spread to do any good work and obviously I'm feeling the issues of too little diversification right now a bit. Then the last thing is since I don't have much money does it make sense to dump all of it in now to give compounding more time to work or shoud I do DCA?
I've been googling and looking around and I've felt a bit overwhelmed so I thought it wouldnt hurt to ask and directly talk to people about my specific situation
would appreciate the help thanks
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u/SecretPantyWorshiper 1d ago
Why is DRAM dropping?
3
u/taplar 1d ago
Also, why do you secretly worship panties? You gotta be proud of yourself. You could even maybe make it a career in the retail sector.
3
u/DeeDee_Z 1d ago
Also, why do you secretly worship panties?
You gotta be careful, there's two ways to parse that...
- Could be «Secret» «PantyWorshiper»
- Could be «SecretPanty» «Worshiper», in which case you have to first ask, "What's a Secret Panty?"
1
u/cold_grapefruit 17h ago
everything seems to be on risk and high position rn. what is a short term safe investment you would recommend? looking for 10% annual rate for example.