19-Year-Old Aspiring Investor Allocates $4K To High-Growth Stocks – Reddit Sparks Hot Debate On PLTR, RGTI and Tech Titans

When investing in high-growth stocks, names like Palantir Technologies (PLTR), Rigetti Computing (RGTI) and various tech companies are often mentioned.

While Palantir is known for its data analytics platforms and is seen as the “new oil” by many investors, Rigetti is a leading company in quantum computing. It is developing technology that could revolutionize many industries, from pharmaceutics to cryptography. 

One such investor, at only 19 years old, has a clear vision for his financial future. With $3K to $4K or 33% of his portfolio, saved for high-growth buys, this young investor aims to hold these stocks for 10 to 15 years, but he wants to make an informed decision.

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“I would like to dedicate $3K-$4K (around 33% of my portfolio) to purchasing some long-term individual stocks with high growth potential. I plan to leave money in these for the next 10 years,” he wrote.

He’s drawn to several high-growth buys, including PLTR, RGTI, BBAI and a few other 3D printing stocks, but he’s unsure whether these are a good bet.

Because he’s found himself at such a pivotal moment, he sought advice in Reddit’s r/investing community, mentioning that his goal is to secure growth over at least a decade – or more.

As the Reddit community rallied to offer advice, the comment section became a debate field, with commenters disputing whether these high-risk, high-reward picks are right or whether a more diversified strategy would better serve the 19-year-old.

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Let’s review the most common suggestions Redditors have given the young investor.

Reddit’s Advice for the 19-Year-Old Investor

Better Start With An Index Fund Like VOO, VTI or SPY

Many commenters in the thread recommended the investor put his money into an index fund like VOO, SPY or VTI because they are simple to use and control, offer diversification and have growth potential in the long run.

“The fact that you ask someone else what you should invest in means an index fund like VOO or SPY is right for you. This way, you don't have to analyze companies or do any of the tedious due diligence,” the very first comment reads.

One Reddit member suggested that an index fund would be a better bet in almost all investing cases, mentioning VOO and VTI as his favorite.

“In almost all cases, buying an ETF (Exchange-Traded Fund … a.k.a, a basket of stocks all owned under one ticket) is your best bet. VOO and VTI are my two favorites (VOO tracks the S&P 500, VTI tracks the total U.S. market),” the Redditor said.

A third Redditor shared his investing experience, saying that he’s spent a lot of time researching and picking individual stocks, but only three beat VOO when he sold 15 of them.

“I backtested my stocks and of the 15 or so stocks I sold, only three beat the S&P 500. If I had put all that money in VOO or VTI, I would have made more money than I did in individual stocks. Considering the time, stress and effort I put into individual stocks I came out way behind,” the Redditor’s comment reads.

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Buy blue chip stocks for Long-Term Growth and Allocate a Smaller Portfolio Slot to Speculative Stocks

Blue chip stocks like Microsoft, Apple and Nvidia were mentioned throughout the comments, as the Redditors who suggested them see these stocks as stable and profitable in the long run.

“I'm about 80% S&P, 15% MSFT, 5% NVDA. Microsoft is one of those companies that rarely misses and I'll always hold it in my portfolio. Nvidia just makes sense to have for the next 5-10 years,” a comment says.

Another commenter recommended Microsoft and Nvidia because, according to him, the companies holding them have solid fundamentals.

“If you're thinking 10-15 years, consider looking into companies with solid fundamentals, like MSFT, NVDA or even some high-growth ETFs,” he says.

Several Reddit members also suggested allocating a smaller portion of one’s portfolio to speculative stocks like RKLB, PLTR or RGTI.

“RKLB will hit $100 a share by January 2026,” a comment reads.

One Redditor recommended adding PLTR to the portfolio but emphasized how important diversification is.

“PLTR could be a play but don't ignore the value of diversification,” he says.

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