Any thoughts on my personal savings for a final year university student?

Congrats on securing your new job offer! Other seedly members have offered their invaluable piece, and I would like to value add to their collections. When you receive your mthly salary, you can follow the famously quoted 50-30-20 % allocation that follows the needs-wants-saving order. In addition to that, you should have 3 different bank accounts, of which, 1 for savings, 1 for investment, and 1 for spending. This enforces discipline in your money allocation as well as tracks inflow and outflow.

As for personal stock selection, it is perfectly alright not to get ETFs or Robo-adviser. Do what serves your interest best. More often that not, we like to "copy"/follow others' portfolios but bear in mind that their risk tolerance and objectives are different from you. There is no one-size fits all solution.

IMO, I think placing more money into investment seems to be the best way of allowing money to work for us, especially in a seemingly bull market condition

On a side note, I am vested in TSLA, ARKK, ARKG, TDOC, and SE too. I do not possess any other ETFs besides ARKs nor any robo-advisors.

Hi Anon,

I think ARK ETFs are a great choice, you can check out the new ARKX that will probably be listing soon.

As a hedge for potential inflation, you can check out the crypto space too! I would reccomend at least having 1% of your portfolio in crypto.