hey everyone, 24 year old dude here, i started investing outside of my 401k/HSA sometime last year, whatever extra money i have left over i throw in, but also have bi weekly deposits. Not very aggressive but eventually want this money to work for me. My question is do i continue to let robinhood manage half of my $, or do i just throw it into VOO/VXUS like my other half. May play around with individual stocks eventually but want to get a good base going. Thanks for reading!

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*FZILX lol I was not doubling down on s&p funds

Background lol. 23, just started working where I will be able to max out Roth yearly. Working in finance makes trades a little more tedious (not really lol), but I have to go through compliance on all etf trades and want to bunker down on a set and forget portfolio. My gripe with it now is I have conviction in both smh and a small/mid caps etf but ponder if I should just leave them aside with such small amounts or just pick one over the other without teetering too much with my allocations

In the Kubera alternatives thread, a lot of replies came down to one thing: the app is great until your bank or broker connection breaks. So I asked Claude to go through the written reviews of 15 net worth and portfolio apps (App Store, Google Play, and Reviews(.io) for Kubera, about 27,000 reviews collected in October 2026) and to look only at what people say about account connections. Everything is in the tables below, so compare and pick what fits you.

🟢 rarely complained about

🟡 comes up regularly

🔴 one of the top complaints

⚪ not enough data, or most users enter holdings by hand

📊 How often connections break

Share of reviews from the last 2 years that are rated 1–3★ and describe a connection breaking, going stale or needing a re-link. It's a complaint rate, not measured uptime.

Sharesight is left out: too few reviews, and none were about connections.

🔧 What happens when you try to fix it

This is where apps really differ. A dropped connection is annoying. Losing three years of categorized history because of the fix is why people cancel.

🧨 How connections fail

✅ What I'd look for

Review complaints lean negative and come mostly from people who had problems, so treat the percentages as a comparison between apps, not real failure rates. If your experience is different, especially outside the US, tell me and I'll update the tables.

Brokerage - 296k (made some good bets early on like PLTR and NVDA when they were trading very low - new long term thesis is SoFi but I'm mainly just a boring buy and hold S&P guy minus those 3 high conviction bets).

Roth IRA - 144k (boring S&P and some early nvda)

Rollover IRA - 14k (boring low cost stuff - plan to roll this back into an employer plan when i get a job that has one)

TSP - 40k (100% C fund)

Crypto - 18k (ish) (btc and eth with a ton of low value shitcoins)

One rental property that has small cashflow ~$300/month. Bought house for 285k / est value is 325k. 270k left on loan.

Just closed on second home that will become rental after 12 months of primary occupancy. ~322k house value. 303k left on loan.

Savings - 40k after home closing and home renovations. Typically like to carry 60k plus in a HYSA for extreme emergencies.

Paid off 2023 vehicle + and motorcycle

Recently left my Big 4 consulting job due to hating life lol. Saved up a bunch (125k) and intended on pursuing flight training full time but changed my mind after not enjoying it as much as I thought i would. Basically took the summer off, enjoyed life, bought a motorcycle and another home and renovating it now and now back in full job hunt mode.

I have a constant recurring income with no job of ~4k/month that will continue and covers all basic living expenses with some left over (i run pretty lean pretty simple life)

I just passed the exam to become a mortgage loan officer - I plan to try to have this and real estate on the side of my main gig. I figured in such tough times and bad rate environment I could position myself well to take advantage of knowing how to write home loans when the market cools down and gets better (if it does).

hello, i’m new to investing in the stock market. this is what i have so far. i plan on keeping this mostly long term (7-10 yrs) but also would like some short term investments (3-5 yrs). i feel this might not be diversified enough but since i’m new and don’t have a loot to play with i was wondering if it was a good start? i’m canadian btw.

Finance tools provide these donuts to drill into my portfolio, like sector, region, industry. The only thing I feel relate is the equity/cash ratio. Like a 80/20 when I pursue growth.

I understand I want to diversify, but lack the knowledge or tools to help me gain insights into my portfolio, or know what to do with these insights. I can dump my portfolio to AI, but i don’t really want to for privacy reason.

Thanks for your experiences! I’m just starting to learn the money knowledge, there’s a lot to learn in this country!

I’m very lucky and have no expenses, I live at home and don’t pay for much. I DCA every time I get paid exclusively into VFV now and leave the speculation alone. Any thoughts?

Should I buy/sell anything or just keep everything as it is?

Curious your thoughts

My current strategy is a 50/25/15/10 split of VTI/QQQ/VXUS/SOXQ. I know I’m very overweighted in tech and want to become more diverse. I am curious to hear anyone’s thoughts on my current strategy- if you think it is viable for the long term (I plan on sitting on this for 25+ years). Or if you think I should reallocate to provide more diversity across sectors. I am young and open to taking on more risk but don’t want to be just throwing money away. Any tips/help/opinions would be appreciated!

I currently maintain over 70 positions. It can kinda get difficult to manage, but I tend to hold for quite a while. I’m kinda curious how many positions investors typically maintain and how they manage larger portfolios

Hi everyone,

I'm looking for feedback on my portfolio allocation. My goal is long-term investing, and I'd appreciate honest opinions on diversification, ETF overlap, risk, and whether my allocation makes sense.

Am I holding too many funds that own similar stocks? What would you change and why?

Please give me your advice.

27yo thinking about opening a brokerage account soon on Fidelity and putting around 1k a month using the following split:

VOO - 60%

QQQ - 20%

VXUS - 20%

Any feedback is appreciated.

Ho 21 anni, circa 7.000 € investiti e un PAC di 400 € mensili.
Vorrei sapere come strutturereste un portafoglio al mio posto:
Tante azioni singole o poche ben selezionate?
Un unico ETF World?
Più ETF diversificati per area geografica?
Un mix tra ETF e azioni?
Il mio obiettivo è far crescere il capitale nel tempo, mantenendo un rischio ragionevole.
Voi come distribuireste i 7.000 € e i 400 € mensili? E perché?
Grazie per i consigli

I have a Sipp (retirement fund) locked away invested in VALL about £18000 from an old pension and I don’t plan to touch that

A 100% VWRP fund with £1600 in it and contributing a £100 a month

I wanted a side hustle, something that will give me regular income in the future so I made a pie of 70% VHYL and 30 IUKD also contributing £100 a month to it

I understand the pie is tilted towards higher paying dividend company’s with a UK biased but I’m fine with that as the other 2 ETFs are my wealth builds (VALL & VWRP) and I just want this is my side hustle income stream

Yes I know VALL & VWRP have a lot of overlap but they are serving 2 different purposes so it doesn’t bother me.

Also is it worth adding Bonds at this stage?

For context I’m 38 years old, only been taking investing seriously over the past few months and every day is a school day. I’m trying to learn as much as I can so any advice is appreciated

Thoughts of this set up?. I just want low maintenance while it grows in the back round and eventually generates me income for the future