Hey fishes, i need advice as to how to invest 200k? Should i go for individual stocks or funds or should i go to financial advisor? If individual stocks then looking for sectors. Can i invest as a VC? Any thoughts or direction please

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If you don’t want to spend a lot of time with the investment (want to buy and hold), go with broad index funds. They give you diversity, returns, and low fees. The fees from financial advisors really add up over time. Many people miss out on hundreds of thousands of gains because they pay others a ton of money.

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I wouldn’t invest as a VC, if following FIRE principles.

Seems like debt is roughly 25% if your assets, which seems ok - depending on the IR.

I’d invest broadly in 529 (for kids), max all your taxable advantages. As far as funds go, VTI is always easy for a broad range - but can’t recommend anything more specific without knowing your current portfolio breakdown

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VT even better

How could we know this with this amount of info? Debt? Income? family? Other assets? Age?

Have a debt of 400k/HHI is 250k/SO, 2 kids/ NW 1.2M

Serious replies appreciated

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