Anonymous
Post 01/31/2026 19:37     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
Anonymous wrote:If you are poor, you should have Roth IRA for you and a regular investment account.
I don't suggest opening an account for a minor child in your circumstances, but what's done is done.
You need to learn personal finance and investing. Once you have made all the mistakes, learned from them and found your way to good ETFs, you can help your child.
Since you want to piss away $500, go ahead, but remember, you are learning nothing.
All your child will knows is that you invested and lost it all. Neither of you kept up with the news, economy, or market.
What has kept you from investing be it $50 a month? I know you don't invest.



I am not here to be accused of anything.
I have my own Roth IRA. I don’t have an investment account for reasons that are clear to me.
I don’t invest $50/mo because I don’t have them. I get a tax return or some extra money and I invest them.
Why do you think you have a right to lecture me like that?
Anonymous
Post 01/31/2026 19:33     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
Anonymous wrote:This is how the poor stay poor - wishing on a star and thinking you can outperform people who manage stock portfolios for a living.


You are being unreasonably harsh. Most of it is invested in diversified stock portfolios.
Anonymous
Post 01/31/2026 19:31     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:It's like buying lottery tickets. I don't think it's going to result in gains, and I don't think it's a particularly great lesson either.


Would you buy him idk Apple amazon Google instead?


If in the near future just do a tech stock index.


35 years when he is 60 and can withdraw it all without penalty
Anonymous
Post 01/31/2026 18:49     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
^emissions/EV credits more accurate than carbon credits
Anonymous
Post 01/31/2026 18:48     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
Anonymous wrote:
Anonymous wrote:It's like buying lottery tickets. I don't think it's going to result in gains, and I don't think it's a particularly great lesson either.


I did this when I was 20 and got an inheritance from my grandmother. The lesson that I learned is that you can (and probably will) lose all of your money and it's not wise to invest in individual stocks.



But that's an okay lesson to learn at 18 years old with $500.

There are people on here who got rich buying things like Tesla.

Tesla is a very scummy company and it's made most of its money from carbon credits for years. And Elon Musk is dangerous.

But people still made a lot of money off that.

High risk, high return. Low risk, low return. Important to understand to become a thoughtful investor.
Anonymous
Post 01/31/2026 18:45     Subject: Re:Small gifts of high risk early stock for my teen’s Roth IRA
MSFT. Seems to have a decent return the last 40 something years.
Anonymous
Post 01/31/2026 18:35     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
Anonymous wrote:
Anonymous wrote:It's like buying lottery tickets. I don't think it's going to result in gains, and I don't think it's a particularly great lesson either.


Would you buy him idk Apple amazon Google instead?

Tesla and Amazon.
Anonymous
Post 01/31/2026 18:34     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
If you are poor, you should have Roth IRA for you and a regular investment account.
I don't suggest opening an account for a minor child in your circumstances, but what's done is done.
You need to learn personal finance and investing. Once you have made all the mistakes, learned from them and found your way to good ETFs, you can help your child.
Since you want to piss away $500, go ahead, but remember, you are learning nothing.
All your child will knows is that you invested and lost it all. Neither of you kept up with the news, economy, or market.
What has kept you from investing be it $50 a month? I know you don't invest.

Anonymous
Post 01/31/2026 18:06     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
Anonymous wrote:It's like buying lottery tickets. I don't think it's going to result in gains, and I don't think it's a particularly great lesson either.


I did this when I was 20 and got an inheritance from my grandmother. The lesson that I learned is that you can (and probably will) lose all of your money and it's not wise to invest in individual stocks.
Anonymous
Post 01/31/2026 17:40     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
This is how the poor stay poor - wishing on a star and thinking you can outperform people who manage stock portfolios for a living.
Anonymous
Post 01/31/2026 17:00     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
Anonymous wrote:
Anonymous wrote:It's like buying lottery tickets. I don't think it's going to result in gains, and I don't think it's a particularly great lesson either.


Would you buy him idk Apple amazon Google instead?


If in the near future just do a tech stock index.
Anonymous
Post 01/31/2026 16:35     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
Anonymous wrote:It's like buying lottery tickets. I don't think it's going to result in gains, and I don't think it's a particularly great lesson either.


Would you buy him idk Apple amazon Google instead?
Anonymous
Post 01/31/2026 16:26     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
It's like buying lottery tickets. I don't think it's going to result in gains, and I don't think it's a particularly great lesson either.
Anonymous
Post 01/31/2026 16:20     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
Yes. It will be a good experiment and informative for both of you. However it turns out. Just make sure he understands why. Decide on an exit strategy together...

I've been terribly risk averse and it has cost me a lot. I've focused on keeping my job but quitting and investing might have been smarter. Except for the health insurance cash drain....
Anonymous
Post 01/31/2026 16:08     Subject: Small gifts of high risk early stock for my teen’s Roth IRA
I am poor, my teen has a part time job and helps me out a little. I opened a Roth IRA for him and put some money there in FXAIX and the like. I want to spend $100 each for maybe 5 companies that just barely went public and are high risk and have a potential of becoming the next Amazon or Apple in the next 45 years.
Is this even a good idea and if yes, what should I buy? I am ok with pissing away that money as most of his contributions will be in indices anyway