Why did bonds experience such a big drawdown from 2020? How do bond funds even go down?

When making Aliyah is there anything special someone should do with their Roth and brokerage accounts? Should you keep investigating until your Aliyah date and after Aliyah?

I’m curious about what people think about this from a general perspective: https://www.whitehouse.gov/presidential-actions/2025/08/democratizing-access-to-alternative-assets-for-401k-investors/. I’d love to hear opinions on if this will lead to weakening of ERISA 401k protections, forcing PE into TDFs, and other cases for negative second or third order effects.

Why on the frum finance flow chart does it say to invest in a taxable brokerage account before saving for tuition and simchas etc.? How much more should we put in a taxable brokerage account over 529’s and saving up for other foreseeable expenses?

Why I Use M1 Finance (Even Though it Doesn’t Score the Highest) I went from testing M1 Finance for work to using it in my personal investing because its niche offering filled a void in my investing plan. Here's why. Slack Conversation

Some interesting ideas in here. Food for thought if nothing else https://pca.st/episode/cc4566f0-374f-4291-a042-605cc77d22a5

I’m reading a lot about how there is an AI bubble in terms of investment. I may not be phrasing this correctly, but it seems like the major companies are making their revenues seem higher than they are because they’re all circulating money amongst each other. A lot of people are saying “the bubble is about to pop.” NVIDIA and OpenAI are asking for government investment. What do people here think about this? Is anyone thinking of selling individual stocks or funds?

I'm trying to setup automatic investment in Fidelity. My preferred way would be to have direct deposits to my Fidelity cash management account, and then have automatic transfers from the cash management account strait invested into ETF's in my brokerage accounts. Fidelity have this option via external linked account, but not from a fidelity cash management account, even plain recurring transfers between fidelity accounts is not available. How do you guys do auto investing in Fidelity?

My employer's HSA has a limitation where the first $1k cannot be invested (required to remain as cash-available). I had this HSA 2 years ago, and didn't withdraw any money from it. It just occurred to me that I'm losing the compound interest on that 1k. That'll start to add up over time. For the upcoming year I will be re-continuing contributions to that same employer HSA account, but wondering if I should sign up for an external HSA account and do periodic transfers to the external account. My employer's HSA would need to remain primary in order to get the company match & avoid extra payroll taxes, but if I regularly transfer over the money, at least my full amount of money would invested via the external account, rather than only part of it. (Obviously I can't contribute extra $ post-tax to the external account, since that would be double-dipping past the HSA limits.) Anything I'm missing with this plan? Has anyone done similar? Open to recommendations for good HSA account providers too...

Life insurance agent: Whole life insurance has the advantange over stocks, it allows you to borrow the policies cash value to envade taxes. Intrest can be covered by the polices growth. What's the catch? Is it only that stocks has by average a higher return?

I'm looking into investing a nice amount of money (100k+) for a 10 year period after that I would want to have regular liquid access to the funds. I though of just placing the money in VTI for 10 years but I fear it's too short to recover properly from a big market downturn, someone suggested I get a RILA annuity with a 10% buffer (or floor) which should protect the principal better if there is a downturn but on the other hand if the market performs well I'm not losing out too much. Does anyone have a recommendation on which path is better to take?

I was wondering about using AI driven investment platforms like Betterment and Wealthfront

Hi, I am a UK citizen and am new to investments, I have some money that I want to put away for a few years with a nice return, I am looking at something like vwra or vt, can anyone recommend a good broker?

Similar q, I'm also in the UK. I understand S&P 500 or similar broad stock fund is best for long-term investment. I'm in the UK, the UK markets e.g. FTSE 100 under-perform the US ones. However, in the past couple of years due to the weakening dollar, the S&P underperformed the FTSE100 in pound terms. What is he best choice for a UK investor?

A friend of mine is 18, and has about 10k he wants to put somewhere, he needs the easiest platform, and the easiest way to transfer from his Chase account either manually or automated 1. What's the easiest platform 2. Where should he invest (assuming it’ll be a 10 -15 years until he needs it)

Hi everyone, I’m starting to be more intentional about saving and investing, and I’d really appreciate your input. My goal is to put aside money gradually, keep it accessible if I ever need it, and have it grow responsibly over time. I hear a lot about Fidelity, but I’ve also seen frum.finance recommend M1. For someone starting out with little to no investing experience, can anyone explain the practical differences between the two and share which they’d recommend and why? I appreciate any thoughts, experiences, or advice you’re willing to share. I really appreciate any help you can provide.

Has anyone read Joel Greenblatt's The Little Book that Beats the Market? Arguments against?

What brokerage account options are there for a person over 21 who doesn't text? (i.e. are there any companies with which you can open and log in without texting? I guess email and phone calls for PINs would have to be offered?) Thanks.

Are there any guides for setting up multiple long term investment accounts (i.e. per child) in M1? (Or any more general M1 guides?)

The m1 pie feature, my favorite feature of m1, is available at fidelity for $5/month https://www.fidelity.com/direct-indexing/customized-investing/overview

How do I invest money that I have sitting in The Donor Fund ? DO I need to call someone to set it up ?

From Financial Times:

The 16 per cent ascent in the benchmark US S&P 500 index this year in dollars is all well and good for domestic investors. The drop in the dollar at the start of 2025, however, means euro-based investors in that same index are up just 2.6 per cent this year. That’s not a typo. They are in negative territory on both the Dow Jones Industrial Average and on the Russell 2000 index of smaller US stocks.

We often talk about investing in the entire market but if you are outside the US investing in the US market, take this into account

People are asking Wow - look how much gold and silver went up over 2025, such a shame I didn't buy then, at least I should buy now?

I'm investing the funds in my HSA account. I need to select a cash replenish amount, but I'm confused about these choices. can someone explain the minimum statuary IRS requirement, and why it allows me to hold less than that?

Whats the best place for money I will need 6 years from now that I can open an account with only a small amount of money?

Hi, assuming this may have been discussed, would love to hear thoughts. I want to open a savings account for my child to redeem at time of weddings which will hopefully compound etc. I have ZERO experience with anything like this so I am looking for both the best option which will leave me with the most money etc but also the simplest and easy to deal with option for beginners. I obviously want that if the money can be invested in an easy way then to do that but if not easy then forget about it cuz it will only make harder. Thx to all!

How do I set up an IRA for my non-working spouse? Do they need their own M1 account? can it be a roth?

you can't legally open accounts for your kids that are over 18, they need to do that themselves.