Does anyone have any index funds they recommend investing in? I am 25 with about $40,000 that I would invest.

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Lol, good for you big shot

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I’m not trying to brag. Honestly, I’m disappointed in myself. I have been watching individual stocks for the past couple of months and realize I’m losing out on a decent amount of net worth growth by holding cash instead of investing it. I mentioned my age to relay that I am not near retirement.

An S&P 500 fund with a low expense ratio like Vanguard 500 index would be a good choice. As long as the market as a whole is going up, it will keep pace without a lot of your return being eaten up by fees. I agree with KPMG1 that there's likely to be a market correction in the next year but if you're planning on keeping the money in the fund long-term, you'll more than make up for it in the next bull market.

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Thank you!

Cash is a position. The market ready to dive .. hold on.

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I keep thinking that and that’s the main reason I never invested in the individual stocks I was looking at. In the other side, seeing my 401k growth percentage makes me kick myself knowing that I could have earned more if I didn’t hold cash.

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Buy a S&P fund

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Put your 40k in a brokerage account and buy VTSAX. Set up automatic investment on a monthly basis so that you buy the fund automatically. Don’t buy it all at once. Then just forget about it...

If you're asking this question you probably should do more research. Look up Bogleheads as a great start to learning how to increase your networth as well as the "lazy portfolio" which should directly answer your question. There are many answers out there, and this is a good one, but not the only one.

Dump $10K in SPY and the rest in individual stocks. You’re 25 got room to swing

Thanks for your advice!

Tired of everyone talking themselves into a correction. Not to mention if you’re going for index funds and trying to predict the market short term you should just go play roulette. Markets are up, but tensions with China are baked into the pricing. I see trade relations normalizing and markets continuing to rise.

They're ignoring some of the truest investment advice there is... Never try to time the market. As long as you have a long term view and are investing cash you don't have needs for in the next 3-5 years, putting it in the stock market will work out for you. There were people saying 3 years ago that valuations were to high and the market was in for a correction. They've missed out on substantial returns since then.

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Spend 3 minutes researching "Dollar-Cost Averaging" - don't invest all at once.

To easily reduce the risk that you invest all your money at the markets peak, you can break the investment up into 12 equal investments that you make over the next 12 months.

Thank you so much!

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