Best investment options on Reddit
142 reviews from r/MiddleClassFinance, r/personalfinanceindia, r/personalfinance and 28 more subreddits
142 reviews from
and
By Brand
/By Product
#1
Vanguard
4.2
(9)
"A broad and well-balanced Exchange Traded Fund held in a low-fees ISA."
"Index funds"
"A Roth IRA is a good option, especially if it's with Vanguard."
"Broad based stock funds/ETFs Cheapest options for all world portfolio at this moment."
"Vanguard has great Target Date funds that provide low cost access to great investments."
"Check out Vanguard, Fidelity or Charles Schwab."
"A broad and well-balanced Exchange Traded Fund held in a low-fees ISA."
"I'd rather pick my index funds and let it do the work for cheaper and just stay diversified to mitigate risk."
"Long term/ retirement savings- VTI/VXUS/BND."
#2
Mutual Funds
4.0
(9)
"Go for Stock Market Long Term Investments and start a per month Mutual-Fund SIP"
"میوچل فنڈز سے سٹارٹ کریں اور چیزوں کو سیکھنا شروع کریں۔"
"Real estate returns are less than what mutual funds will give you right now."
"Your best option is mutual funds, stock market and commodities."
"I like mutual funds (wrapper) of total market American equities."
"Go back to a few mutual funds that gives you a 12% return on average every year."
"Investing in mutual funds is the best option I came across so far."
"Mutual funds for long term, 10-12%."
"Mutual funds are good. Invest through NRE account."
#3
Gold
4.2
(6)
"In my personal opinion gold is the best cz u can protect ur savings from inflation."
"Diversify it. First and foremost should be gold."
"Go for gold if you are looking for something short term."
"Gold"
"Try Gold. CAGR - 11%."
"Gold. Return wouldn't be that high but risk is almost zero."
#4
Real Estate
4.4
(5)
"Houses as it's price are increasing also you can rent the property."
"Best thing is real estate. It's tangible, you own it and it will never depreciate in the long run."
"If you want much safer option you can consider this by researching hai."
"Real estate long term lai ramro ho, but for this you will need large sum"
"Real estate, for example, could be a good option."
#5
Fidelity
4.8
(4)
"Buy fractional shares of FSKAX (or whatever you're buying at fidelity) and periodically do a transfer of assets over to Fidelity from hsa bank."
"Fidelity. Invest it there."
"Fidelity is the best provider by leaps and bounds."
"Maybe look into a Fidelity Youth Account if you want them to have control over the investments."
#6
Index Fund
4.0
(4)
"Index fund. Less risk or real estate."
"1K RD and 2K SIP in index fund to start saving habit"
"Pick an index fund and start investing SIPs."
"Cash, index fund, house or inexpensive apartment if necessary."
#7
529
4.3
(3)
"I had a family friend open 529s for their nephews."
"529 is what you're looking for."
"With the new 529 rules, I would find that first, ensuring that it’s enough for their college."
#8
Roth IRA
4.3
(3)
"I’d say start a Roth IRA and start investing in ETFs like VTI VOO and QQQ."
"529 can be rolled over to Roth IRA (certain limit) if there are no educational needs."
"I also have a Roth IRA and a personal investment account through Schwab."
#9
ETFs
4.0
(3)
"And there's always ETFs like QQQ, SPY, and Vanguard's offerings."
"I've got a few ETFs tucked away for my daughter."
"ETFs."
#10
S&P 500
4.0
(3)
"I invest all of it in the S&P 500."
"I would suggest 50% S&P500 and 50% an ex-US ETF."
"Dollar cost averaging the S&P 500."
#11
Target Date Fund
4.5
(2)
"A target date fund designed to finish when you decide to pursue an education in a lucrative field."
"Personally I would prefer a low cost target date fund or set up a three fund portfolio using index funds."
#12
Index Funds
4.5
(2)
"You want to invest the bulk of your money into index funds."
"Index funds. You can’t beat the market."
#13
SPY
4.5
(2)
"Fly with SPY - it's like owning a conglomerate company that holds 500 of America's best businesses."
"SPY and MSFT"
#14
Gold/Silver
4.0
(2)
"Keep 30% of your portfolio on Gold/Silver."
"Bro buy gold/silver and sell it after one month :D"
#15
QQQ
4.0
(2)
"QQQ obviously, any of the top 10 stocks by market cap obviously."
"Roth IRA would be great! Throw it into QQQ for the long term."
#16
Total Market Index Funds
4.0
(2)
"Look at expense ratios and try to find a total market or sp500 type thing."
"Total market index funds."
#17
Fsmone
4.0
(2)
"Did that for my children and do a monthly RSP."
"Use fsmone and their monthly rsp"
#18
FBGRX
3.0
(2)
"FGBRX have a high expense ratio, it's far less diversified than FXAIX or FSKAX."
"It's got a high expense ratio."
#20
401K, IRA, 529
5.0
(1)
"Automatic tax deferred investments. 401K, IRA, 529. With index funds."
#21
529, UTMA
5.0
(1)
"A 529 and a UTMA are plenty."
#22
Schwab
5.0
(1)
"SWPPX is Schwab's mutual fund version of VOO. It's actually cheaper than VOO (0.02% vs 0.03%)."
#23
NVIDIA
5.0
(1)
"Buy NVDA"
#24
SMMA
5.0
(1)
"I invested it into a SMMA and in 2 years I was able to scale it to a $40,000 per month business"
#25
401k
5.0
(1)
"401k if employer offers it and matches, is a no brainer."
#26
Bitcoin
5.0
(1)
"Bitcoin. You will outperform everyone."
#27
Broad Market Index Funds
5.0
(1)
"Broad market index funds within your tax-advantaged accounts."
#28
Low Cost Index Funds
5.0
(1)
"All you need are low cost index funds. It's easy."
#29
Property
5.0
(1)
"Do invest on property and further wait for the time when you can sell it out."
#30
Fidelity HSA
5.0
(1)
"Fidelity HSA, fxaix"
#31
Ethereum
5.0
(1)
"Buy one etherium when its under 3 lakhs, in 1.5 to 2 years you ll be close to 10 lakhs."
#32
Univest.ai
5.0
(1)
"My portfolio doing around 20-25% returns too good now."
#33
alphaAI.capital
5.0
(1)
"Look into alphaAI.capital. It’s a powerful robo advisor."
#34
HDFC Balanced Advantage Fund
4.0
(1)
"Buy HDFC Balanced Advantage Fund, IDCW, annual u will get 7.76% - that will be split monthly."
#35
Government Bonds
4.0
(1)
"Scss, Pmvvy, Pomis, Gvt bnds, Rbi bnds, Sgb, Bank fd."
#36
Hybrid Mutual Fund
4.0
(1)
"Hybrid mutual fund with SWP."
#37
T-Bills, CDs, Short Term Bonds
4.0
(1)
"T-Bills, CDs, or short term bonds. I would not invest money in stocks that I will need in 3-5 years."
#38
CDs and HYSA
4.0
(1)
"But, for that short term, safest bet is just do CDs and a HYSA."
#39
Syfe
4.0
(1)
"Options to use Syfe for Kids, but account still held in your name"
#40
UTMA, 529
4.0
(1)
"I talked with my financial advisor about this and yeah UTMA and 529 is the way to go."
#41
Maya
4.0
(1)
"Maya has 5-6% TD."
#42
Metrobank
4.0
(1)
"Metrobank, 90 days time deposit."
#43
OWN Bank
4.0
(1)
"OWN Bank has 6% deposit rates IIRC."
#44
SCSS
4.0
(1)
"30 L in SCSS and remaining in conservative hybrid fund."
#45
Treasury
4.0
(1)
"Treasury-only money market funds are nearly 100% exempt from state taxes."
#46
USFR/TFLO
4.0
(1)
"Floating rate funds like USFR/TFLO have only federal taxes, not state or local, and tend to be on the high end of available rates."
#47
Senior Citizen Savings Scheme
4.0
(1)
"I would suggest you to park the excess lumpsum in Senior Citizen Savings Scheme."
#48
Nifty Fifty
4.0
(1)
"Nifty fifty with low PE ratio"
#49
Alt Coins
4.0
(1)
"Buy some good Alt coins"
#50
BDCs
4.0
(1)
"In my IRAs, I use BDCs with a high dividend to generate cash to my account."
#51
Worldwide Stock Indexed ETF
4.0
(1)
"With a 15-20 years horizon you likely won't do harm going with a worldwide stock indexed accumulating ETF."
#52
ICICI Direct
4.0
(1)
"I got an ICICI direct account. Works fine for MF and ETFs."
#53
529 Plan
4.0
(1)
"529 and individual investment account are plenty."
#54
SG REITs
4.0
(1)
"SG reits and Banks like DBS"
#55
Low Fee Broad Based Index Funds
4.0
(1)
"Investing early and often in the stock market (low fee broad based index funds or ETFs)."
#56
VTSAX
4.0
(1)
"VTSAX or SP500 and chill."
#57
eToro
4.0
(1)
"I'm using eToro and invest manually in ETFs in US, India and China."
#58
HDFC
4.0
(1)
"I have started investing in a mutual fund (in india) for my daughter the moment she was born."
#59
WIO Bank
4.0
(1)
"I use WIO bank, within there’s trading and automated monthly investments."
#60
HYSA
4.0
(1)
"Move to Dubai and put your money into HYSA there. Currently yielding 4-4.5%."
#61
US ETFs
4.0
(1)
"For long term investing, buy real estate (only Dubai) and invest into US ETFs like VTI."
#62
Roth 401k
4.0
(1)
"Index funds or time managed funds in a roth 401k."
#63
Index Fund ETF
4.0
(1)
"For decade or longer horizons I would say an index fund ETF."
#64
SPY, QQQ, VOO
4.0
(1)
"SPY, QQQ, and VOO are some good choices."
#65
MSFT, GOOG, AAPL, META
4.0
(1)
"I've made a lot of money over the years accumulating msft, Googl, appl, meta."
#66
Stocks, ETFs, Real Estate
4.0
(1)
"I do stocks, ETF'S, residential and commercial real estate."
#67
Blue Chip Stocks
4.0
(1)
"Long-term investing in stock market? You can buy some blue chip stocks."
#68
Wealthfront
4.0
(1)
"5% apy at the time of writing this is hard to beat."
#69
Mutual Funds, Equity
4.0
(1)
"If ur in 25-40 age , 20% fd , 40% MF , 40% equity."
#70
FCNR Accounts
4.0
(1)
"You may want to check out FCNR accounts. It has tax exemptions."
#71
Stable Money
4.0
(1)
"Choose two different banks . Find who is giving 9%. Put in them."
#72
ARCC
4.0
(1)
"High yield investing and reinvest while you dont need the money."
#73
ETF
4.0
(1)
"Otherwise, ETF. Something like a VAS/VGS split, or DHHF."
#74
Bank FD
4.0
(1)
"Just stick to bank FD and senior citizens saving schemes."
#75
Balanced Fund
4.0
(1)
"Moderate risk....? Balanced fund."
#76
Low Risk Mutual Fund
4.0
(1)
"Initially invest your money in a low risk mutual fund."
#77
PSX
4.0
(1)
"You can go for PSX good dividend and growth oriented companies."
#78
Bank Deposits
4.0
(1)
"Bank deposits are the only main thing that have a reduced tax load."
#79
Cardano Funds
4.0
(1)
"The cheapest option now are the Cardano funds."
#80
Gold Mining ETFs
4.0
(1)
"Short term high quality bonds offset by gold mining ETFs."
#81
VOO
4.0
(1)
"VOO."
#82
VTI
4.0
(1)
"100% VTI, early and often."
#83
S&P 500 ETF
4.0
(1)
"Any S&P 500 ETF will be good."
#84
Fidelity Target Date Index Fund
4.0
(1)
"Fidelity target date index fund with your closest to your planned retirement."
#85
Gold and Debt Funds
4.0
(1)
"70% in Gold+Debt Funds only."
#86
Zerodha Mid-Cap Mutual Funds
4.0
(1)
"Mid-Cap direct Mutual funds (MFs)through Zerodha(Kite) or any MF apps, if you invest through bank app, then MFs are regular MFs."
#87
Nifty Total Market Fund
4.0
(1)
"U can invest in such index funds where only gains, no losses."
#88
Long Duration Mutual Funds
4.0
(1)
"Can go for long duration mutual funds as there is a good possible of interest rates cut."
#89
Blue Chip Mutual Fund
4.0
(1)
"You can pick a safe mutual fund as well. Something along the lines of any Blue chip MF."
#90
Life/Health Insurance
3.0
(1)
"You can consider buying life/health insurance in your kid’s name so that they are covered for life."
#91
Salik, DEWA
3.0
(1)
"The safest thing and closest to an Islamic investment is to buy shares in Salik, DEWA"
#92
Cash Flow Investments
3.0
(1)
"Invest in assets that provide monthly cash flow."
#93
FD, Liquid Funds, Short Duration Funds
3.0
(1)
"Only three instruments come to my mind : FD, Liquid Funds, Short Duration Funds."
#94
N/A
3.0
(1)
"Always ask an NRI about the country they live in."
#95
FD/Nifty
3.0
(1)
"70 % in FD, 30% In Nifty."
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