Hi! 29 years old here. A year ago I opened a brokerage account under Fidelity, of course without researching, and have just been investing it in FXAIX. Recently, I changed my contribution to buy VOO. I’m only investing $200 a month. Also recently I opened a Roth IRA and invest in FXAIX too. I’m gonna try to max it out. Can you give me advice if I need to change this or like how can I diversify this? Is it better to just keep investing in VOO in my brokerage instead of FXAIX? I would really appreciate some advice, since I’m not really knowledgeable how it works but just wanted to start. Also, if you can recommend resources (books, videos, podcasts) about investing, that would be so much helpful! Thank you so much!

I’m 38 married with one kid 6 years old , below is a summary of my investments till date. Me and my wife purchased a house jointly ( approx 2 crores ) last 6 lakhs loan is pending , we both own our individual cars which have no loan on them. I make around 1.35 lakhs per month , have my own house in my hometown too where my parents reside. Besides that I hold 2 plots in my home town valued at approx 1 crore. I’m looking for advice as to how to secure my daughters higher education and at the same time secure my retirement. Portfolio Summary Total Value: ₹45,77,534 1)Gold & Silver-19,00,000 ( 41.5%) 2)Mutual Funds-12,98,119( 28.4%) 3)Cash in Hand-5,00,000(10.9%) 4)FixedDeposits-6,01,003(13.1%) 5)Stocks- 2,78,412( 6.1%) running in minus Mutual Funds (₹12.98L) — 12 funds across categories: flexicap, large cap, ELSS, multi-asset, balanced advantage, and small cap. Top holdings are Kotak Flexicap (₹4.37L), Quant Multi Asset (₹2.44L), Mirae Asset Large Cap (₹2.21L), and Old Bridge Focused Fund (₹91K). Fixed Deposits (₹6.01L) — Spread across 3 banks: Kotak (₹4.45L), Ujjivan (₹1.04L), PNB (₹52K).

Ciao a tutti! Uno dei PAC che faccio è da 100 euro/mese Avendone la disponibilità, secondo voi ha senso che investa tutte le quote residue da qui a fine anno già ora (700 euro) ? O meglio mantenere la strategia dei 100 euro al mese comunque? So che si tratta di cifre piccole e quindi forse non fa una gran differenza. Vi ringrazio