College Student With $400K In Stocks Grown In Just 4 Years Gets Mixed Reddit Advice – 'Should I Max Out My Roth IRA And Invest In S&P 500?'

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Many investors have started to seek advice on long-term stock investments and a 23-year-old college student has turned to Reddit to navigate his journey toward financial stability.

With a portfolio worth $400K, grown in just four years through individual stocks, the young man aims to invest wisely to purchase a home down the road and secure his retirement fund.

With this concern in mind and the fact that he considers day trading a gamble and says he has gotten “lucky” so far, the investor asked for long-term stock investment advice on the discussion board, which hosts close to 2.6 million members.

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“I’m a 23, college student, I started investing 4 years ago. I invested $50k into Meta during its stock crash at $122 per share. I currently have a little over $400k in stocks. I have only done individual stocks. I want to invest long-term, as I have a wife and two kids,” he said.

While the investor sought advice from fellow Redditors on the r/investing_discussion community, he already had a few options he was considering but was looking for direction.

The investor mentioned that he created a Roth IRA and is considering investing in VOO’s S&P 500 but would need to max out his Roth IRA. He also had the option to enroll in a 401(k) through his company but was unsure if it was a good idea.

So, let’s analyze the recommendations he received from other Redditors and what they think about investing in VOO’s S&P 500.

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Redditors’ Recommendations for Long-Term Stock Investment

VOO’s S&P 500

Several members of the community advised the investor seeking long-term investment guidance on Reddit to invest in VOO’s S&P 500.

“Like, I know the S&P 500 is a great choice for a long-term investment because you can monitor the trend based on the revenue of the companies involved in it,” says one Redditor.