Should I invest all in ETF or stocks?

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I’m young and far from retirement and can invest quite a bit monthly (at least 3k a month). Should I just make a portfolio that’s just the S&P 500 and just pump that every month or should i pick a few of individual stocks? I’m not trying to beat the S&P 500 but would I not have a higher.


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“Everyone thinks they can beat the market, and generally they are wrong.  You will invariably buy and sell at the wrong time and price.  You can buy a few individual stocks for fun, but I suggest you stick with broad based ETFs.  You may want to diversify with some small cap and some international.”


“The S&P 500 ETF is an excellent strategy for a person who knows little about the stock market.  Your risks are reduced through diversifying through 500 stocks, instead of putting a lot of money in a single stock.  

IF you’re putting money in every month, then you are “Dollar cost Averaging”, you will be buying more shares when the price is low and fewer shares when the price is high.”


“It sounds like you are willing to learn a bit more on how to improve your future and about financial education.  There is a guy in YouTube called Professor Choy, he has two playlists one is called “Simple Steps for a better financial future” and the other is called “Investing for Beginners”.  The videos are short and full of useful information, take a look at them.”


“No, you should stock up on physical silver and gold.”


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