22 Y.O INVESTOR @RuslanInvests

@investorr01 Allah bereket versin hocam, 2027 e daha çok var, 8000-den daha fazla bile yaparsınız umarım

@SCHDaccumulator keep going

@DevotedDividend i just buy 8 shares of $QQQI and then I saw this post.

After today’s drop, I decided to add to my position. I sold my crypto holdings, and I’m not going to buy them again. The price of $QQQI fell by nearly $2. To increase my annual dividend income, I added 8 shares of QQQI. At the moment, my portfolio consists of $QQQI, $VOO and $SCHD . I’m planning to stick with these three ETFs for a while.

@CimriDoktor Teşekkür ederim sağ olun

The Brutal Truth — Post #10 You don't have a wealth problem. You have a patience problem. Almost everyone wants to get rich, but nobody wants to get rich slowly. Everyone is looking for that magical stock option, that meme coin, or that hidden startup that will flip their $1,000 into a million by next Friday. But think about it: compound interest is like a giant snowball. At the beginning, when you roll it in the snow, it barely changes size. It looks like nothing is happening. But if you keep rolling it steadily for years, it eventually gets so big that it moves with its own gravity and crashes through anything in its way. Stop trying to force the market to make you rich this month. Build the habits, stay consistent, and let time do the heavy lifting.

@CimriDoktor SCHD yanına biraz daha yüksek verimli temettülerden ekleme kararı aldım. Yıllık temettü çok az kalıyor sadece SCHD ile. Bu ay QQQI ekleyeceğim büyük ihtimalle. Yine de portföyün ağırlığı SCHD üzerinde olacak

U.S. Stock Market ETF Guide — Post #10 Asset Profile: $DGRO (iShares Core Dividend Growth ETF) So far, we talked about SCHD (high dividend yield) and VOO (growth index). But what if you want a perfect middle ground? An ETF that gives you cash flow but also doesn't miss out on high-growth tech companies? Meet DGRO—the ultimate "best of both worlds" fund. 📊 The Quick Numbers: • Expense Ratio: 0.08% (Super cheap) • Dividend Yield: ~2.30% (Decent starting income) • Strategy: Focuses on companies that grow their dividends year after year. 🏢 What’s inside? DGRO has a clever rule: a company cannot make up more than 3% of the fund. This means it’s incredibly well-diversified. You get steady dividend-payers like JPMorgan and Exxon Mobil, but you ALSO get growth monsters like Microsoft and Apple because they pay a small, growing dividend. ⚠️ The Verdict: If SCHD feels too old-school and VOO feels like it doesn't give you enough cash flow today, DGRO is the perfect sweet spot. It grows your capital while silently compounding your passive income.

@saultiegaultie The answer is very simple: the entire crypto market would collapse.

@QuantViewsix I’ve been investing in crypto for 4–5 years, and these kinds of drops have always happened. But this time, it’s truly gotten ridiculous.

@iyibirikim Azerbaycanda bir banka üzerinden alıyorum ama IBKR a geçeceğim herhalde

The Portfolio Cheat-Sheet — Post #1 The Core-Satellite Strategy: How to build a portfolio that lets you sleep AND have fun. I talk to a lot of investors who are torn. Half of them want to just buy safe index funds and chill. The other half wants to trade individual stocks, find hidden gems, and beat the market. Good news: You don’t have to choose. You can use the "Core-Satellite" strategy. 🛰️ How it works: 1. The Core (80% - 90% of your money) This is the unshakeable foundation. You put this money into broad, low-cost index funds like VOO, SCHD, or VT. You don't touch it. You don't trade it. It’s your safety net. 2. The Satellites (10% - 20% of your money) This is your playground. You use this smaller chunk to buy individual stocks you love, tech sectors like SMH, or individual crypto assets. If they crash? Your life isn't ruined because your Core is safe. If they moon? You get a nice boost. This strategy gives you the discipline of a long-term investor with the freedom to explore your high-conviction ideas. Simple, clean, effective.

@fundmyfund @wallstnomads Hahhahah, I felt old.

The Investor Psychology — Post #1 Lifestyle Creep: The silent enemy of your early retirement. You work hard, you get a promotion, and your monthly income goes up by $500. What do most people do? They instantly upgrade their lifestyle. They get a more expensive apartment, sign a lease on a flashier car, or start eating at pricier restaurants. Suddenly, that extra $500 is completely gone, and their savings rate stays exactly at zero. This is called "Lifestyle Creep." The secret to building real wealth isn't living like a monk forever. It’s practicing "delayed gratification." Next time you get a raise, automatically send 60% of that extra money straight into your brokerage account before you even see it. Let your investments upgrade your lifestyle later, not your paycheck today.

@gedik_giray Hayırlı olsun

@DevotedDividend $QQQI I’m definitely considering adding it to my portfolio soon, but it’s very close to its all-time high.