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investing

Atlassian future after outage

I work in tech so I'm interested in what people think this [week long outage](https://www.theregister.com/2022/04/11/atlassian_still_down/) for Atlassian products like JIRA and Confluence will have on the company going forward. It appears they have only restored service to 35% of their customers so this is a huge concern for customers going forward.

t3_u18olx

investing

Explain how Compound Interest could work with Vanguard ETF

Hey guys, so I'm all new to the investing train ( and quite late at 32, but better late than never right? ) I've been following many videos and I've come to the conclusion that investing in VFV ( Vanguard S&P 500 ETF ) is what I want to do ( I already own Apple stocks and buy some every year being an employee there ). I've heard about the term " Compounding Interest " and how it's the key to double/triple your investments over 30 years, but I'm not sure that I fully grasp the concept, and it's frustrating to me. I live in Canada, so according I would buy 10,000$ worth of VFV right now, that would give me 100 shares, now how would I go about getting compounding interest with that through my TFSA? I don't understand how I can get returns if I'm buying shares, their value will increase, I'm not getting a % of interest return on that amount every year to reinvest in it as far as I know? Please enlighten me, I'm lost.

t3_u18cge

investing

Investing in company’s stock

I currently work for chase bank. And due to naivety when I first started I placed 90% of my portfolio into jpm stock. I currently have about 50k in there contributing 20% every pay cycle and the dividends every quarter are nice. Is this a feasible strategy to continue or should I diversify and if so into what? Thank you

t3_u16ug3

investing

Selling a property for net of ~$200k, 33yo with a family living abroad, 1031exchange?

In next 2mo I’ll be selling an investment property in US with net of $200k. (Total sale price will be ~$700k, I’m in a fairly high income bracket.) Main goal is to set up for corporate retirement in 7 years. Weighing the option to do a 1031 exchange and could use some unaffiliated advice… Pros: wealth accelerator, modest cash, tax deferral. Cons: sellers market, it’s a lot of work to set up, heavy debt. Background: - I’m a 33 American living abroad. - Have other investment properties. - Appreciate hard work but have limitations being on the other side of the world. - Have dual high income household. - Have never done 1031 exchange before

t3_u14r8j

investing

Do you guys use any forums other than reddit?

I've come across a few non-reddit pages focused on investing, like CafePharma and BogleHeads... Do you guys know / use any others? Could be generalist pages / forums or more specific ones focused on an area you're interested in. For me that might be green energy. Would love to hear what else is out there!

t3_u14hik

investing

Daily General Discussion and Advice Thread - April 11, 2022

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following: * How old are you? What country do you live in? * Are you employed/making income? How much? * What are your objectives with this money? (Buy a house? Retirement savings?) * What is your time horizon? Do you need this money next month? Next 20yrs? * What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) * What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) * Any big debts (include interest rate) or expenses? * And any other relevant financial information will be useful to give you a proper answer. Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources. Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions!

t3_u13az9

investing

A Platform Where I Can Search, Sort and Analyze Companies / Financials

Hello lads, I like making my own analysis. So, I need a platform where I can dig into detailed financials of companies. I would like search and sort companies according to spesific financial information. I would like to see details of financials such as investments, cash flows, balance sheets. I'm not speaking of basic number displaying sites. Information must be accurate and detailed (at least as much as possible. For example tradingview has an option of listing company financials. But! When I compare those financials with actual 10k or annual reports, I find major differences). Thank you in advance.

t3_u12q7p

investing

Is TEC.to still a good buy?

During the pandemic this ETF did really well, over 47% return in 2020 and over 25% return in 2021 but definitely has slowed down in 2022. What are your thoughts about this ETF? Buy, don't buy? Focus completely on tech companies, with the largest holdings being in Apple, Microsoft, Amazon, Tesla and Google/Alphabet.

t3_u10bhy

investing

Is there a Broker that allows you to do recurring deposits and distribute the money in your portfolio based on a percentage?

Basically I want to build my own ETF inside a Broker platform where I can setup allocation percentage and have monthly deposits. I know I can do the math in a spreadsheet and setup recurring deposits individually for the stock but I am too lazy to do all the work. May be there is a better way to automate distribution, would love to learn more.

t3_u0z1hy

investing

Elon Musk decides not to join Twitter board, says CEO Parag Agrawal

“Elon has decided not to join our board. I sent a brief note to the company, sharing with you all here.” - Parag Agrawal https://twitter.com/paraga/status/1513354622466867201?s=20&t=ljgxw1kVvOZi3M-FDeQi3g https://www.cnbc.com/2022/04/11/elon-musk-decides-not-to-join-twitter-board-says-ceo-parag-agrawal.html

t3_u0yfos

investing

I-Bonds - A great alternative to cash, but not a replacement for equities

I've seen this subreddit give lots of praise to Series I Savinga Bonds, which, for those who don't know, are bonds offered by the U.S gov which are supposed to track inflation and are currently returning a whopping 7.1% annually. I think this praise is rightfully earned, because this level of risk free nominal return is practically unheard of with traditional fixed income investing. So as the title states, these bonds are vastly superior to just holding cash in a HYSA, and this is where their praise should stop. But instead, I've seen many contributors to this subreddit replacing their equity exposure with I-Bond holdings stating things like "7% is practically what you get from stocks, and it's risk free!". This is flawed thinking, because most of these investors are forgetting that **i-bonds will always target a 0% real return on your investment, while equities investors can expect to earn a non-zero positive real return** (over a long enough time horizon) It is true that equity exposure comes with uncertainty, but that is exactly why they are also associated with higher expected returns. If you are looking to build your wealth and increase your buying power, I-bonds are guaranteed to NOT accomplish this. A personal note: I have transitioned a portion of my cash holdings to I-bonds, and have also continued my usual investment schedule through these high inflationary periods.

t3_u0xj7d

investing

I-bonds are giving 7% return yet BND is still trending downwards?

I am not gonna pretend to understand the details of how a fund like BND works, but with I-bonds returning 7% I am wondering why BND does not give similar yields? It just keeps dropping. ELI5? For context; [BND](https://investor.vanguard.com/etf/profile/BND) - 40% of funds are allocated to 1-5 year bonds; 0.3% of funds are <1 year https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm > The initial interest rate on new Series I savings bonds is 7.12 percent. You can buy I bonds at that rate through April 2022. If these bonds are giving such high returns, why are bond ETF's like BND not giving such returns? Is there some kind of lag before they reach those 7% levels? Are they controlled by some other factor?

t3_u0xagu

investing

Experienced traders I am seeking some enlightenment for future trades. What happened on Friday 4/8 with NDRA.

[$NDRA](https://stocktwits.com/symbol/NDRA) Soo can someone explain if there was any other info posted on 4/7/22 besides HC Wainwright & Co. changing the PT from $6 to $5 and still holding as a buy?? The last ten minutes of trading on 4/7 the volume was only 37,159. But the opening 1 minute candle on 4/8 had a 13.25 million green candle?? Off of a lower Price Target? Then a sell off till 3:54pm when it hit its new 52 week low of .2923??? The Daily volume was 74 million for 4/8 compared to the average volume of 390,821 shares and a float size of 41,140,000 shares. any thoughts folks?

t3_u0wkii

investing

Which company is responsible for stocks quotes?

Hi there, There's a question that has been on my mind for a long time. Which firm or institution is responsible for live sharing all these stock quotes that we see on websites like yahoo and such? Is it the stock exchange itself? And if so, who acts as an intermediate between the exchange and the websites? Because if it's a publicly listed company, it could be a monopoly and I'd love to give them my money :)

t3_u0ux6q

investing

Short term investments for the next 2.5 years?

Going to be saving heavily (goal is $125k) for the next 2.5 years for a home purchase. I’m trying to position my portfolio understanding that we’re in a high inflation, interest rates rising environment with a potential recession occurring during this time period. My number one goal is preservation and some very conservative growth. Right now, I’m in all equities and cash - equities being etfs in health care, financials, utilities, consumer staples, and materials/commodities. If I’m investing ~ $2k/month + bonuses, and you were in my position, would you do anything different? What would you do for the next 30ish months?

t3_u0tftm

investing

chase vs premium bonds vs something else (uk)

hello, ​ got some lump cash that i want to invest to instead of sitting in Cash ISA. ​ what would you recommend? i heard people keep saying that Chase with 1.5% is great, others rely on safe premium bonds. ​ what is your opinion? thank you

t3_u0sqa6

investing

Anyone like Cincinnati Financial $CINF?

Solid Dividend King. Underwriting looks good, been around for a long time. Currently trading at ATHs after a +10% run over the last month, but still looks reasonably priced to me. Thought about just going ahead and jumping into a small position on Monday, like a $1000. If it pulls back or trades sideways for awhile, just add a little more down the line.

t3_u0ro48

investing

roth ira / brokerage asset allocations

im going for the 3 fund portfolio for my brokerage account but im not sure if i should copy that allocation strategy into my roth ira account too? im going for 80 / 10 / 10 - vanugard indexes, 10 international, 10 bond for my brokerage. ive seen ppl do completely different allocations on their roth to max out gains, not sure if thats the correct way to go. And what about target date fund 2065? Should i go for it or ignore it? im 27.

t3_u0qm4b

investing

Blackstones ($BX) yearly outlook in 2022?

They are my largest position, and going into earnings on 21st I’m concerned The last rate tightening cycle (2016-2018) saw BX lose ~40% of share value, and that was in a relatively dovish tightening period. Inflation is real now, and a long-term hawkish Fed is an entirely new ballgame for PE. Not even taking into account the issue with their will Smith producing deal which is small, but a clear loss for their business. What do people think? I am strongly considering selling half my position before earnings

t3_u0qbrh

investing

Would you invest this money or put it in savings?

I’m going into my senior year of college for engineering and have about $25,000 saved and no debt. I’ll be working a paid internship this summer and my expenses during my next (and final) school year will total about $10,000 after scholarships and grants. I’m considering putting a few thousand into a Roth IRA before April 18th. Is this a good idea or should I just continue to save the money for now?

t3_u0q6yr

investing

Is this the go-to growth portfolio?

Starting young, most people can focus on growth investing and end up on top. And around the time of retirement can transition into an income portfolio to live out their golden years. I have found that QQQ, VOO, and SCHD have the best growth and security for younger investors. More QQQ will give you a higher return overall but possibly more volatile. 55/30/15 seems to be the best option, from what I can tell in the portfolio visualizer. ​ Does anyone else have a better go-to growth portfolio for young investors to feed and forget and then rebalance once per year?

t3_u0mdzg

investing

Sell ARKK at a loss for VTI

I had invested about 5k into ARK funds. I lost about 50 percent. My initial idea was that this was a good long term play however given that they are consistently making bad trades and don’t generally have a long term outlook for their stocks, plus the management fee I think it may be wise to take the loss and put the money into something more stable. Anyone have any faith in the long term of ark funds? Was thinking of buying QQQ OR VTI. Would appreciate any thoughts

t3_u0m4rk

investing

Employer insurance (hdhp) automatically gave me an HSA, but I'm still on parents plan which isn't hdhp. Can I still contribute?

As the title states, i signed up for insurance via my employer, but I don't have to move to the work location anymore (im remote). Said plan offers an hsa which my employer automatically signed me up for but I'm still on a low deductible plan since I'll be at home. (I'm leaving the 2nd plan for now in the event that I have to move in the near future - just as a safety net). So can I contribute to the HSA, while also being on LDHP plan? What will happen? Extra taxes/penalties? They pretty much gave it to me after I said I wouldn't be eligible.

t3_u0ll06

investing

If Russia defaults on its debt, what goes up?

Obviously a lot of stocks go down, but there’s always big institutional investors that move their money from one place to another when something like this happens. There’s also some type of business that would benefit from this. I am not smart enough to figure this out, but I know some of you Redditors are. Any thoughts?

t3_u0iqre

investing

Out of everyone in r/investing, is there an asset that you think nobody else holds except for you?

Maybee I have just been lurking here too long, but everting is all kind of starting to look the same. Tesla + uranium + weed stocks + crypto. Over and over and over again. The point of me plugging into a community is to come across new ideas I had not considered before. So lets have em. What is the niche ideas that only you do?

t3_u0gnzj

investing

Are you holding on to your BOND FUNDS? Or bailing out before they crash further?

I am maxed out in IBONDS for the year and don't want to be 100% stocks. So up to recently, I had about 40% of my assets in Bond Funds. (Like BND or AGG). The last six months have been terrible for these bond funds. Many total bond funds are down nearly 10%. This would not be a big issue for a stock fund. But it could take years for a bond fund to recover from the largest quarterly drop since the early 1970s. What are you doing with your existing bond funds: 1) Holding out and not selling and hope that in 5-10 years they will recover 2) Cashing out and putting your money in CDs or Individual Bonds 3) Putting all your money in stocks

t3_u0eu0e

investing

Daily General Discussion and Advice Thread - April 10, 2022

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following: * How old are you? What country do you live in? * Are you employed/making income? How much? * What are your objectives with this money? (Buy a house? Retirement savings?) * What is your time horizon? Do you need this money next month? Next 20yrs? * What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) * What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) * Any big debts (include interest rate) or expenses? * And any other relevant financial information will be useful to give you a proper answer. Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources. Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions!

t3_u0dssj

investing

Very high borrow rates for multifactor ETFs - why?

Borrow rates for most large, liquid, diversified ETFs are quite low. As of the writing of this post and per [iborrowdesk.com](https://iborrowdesk.com), [SPY](https://iborrowdesk.com/report/SPY) (S&P 500), [EFA](https://iborrowdesk.com/report/EFA) (MSCI EAFE), [EEM](https://iborrowdesk.com/report/EEM) (MSCI Emerging Markets), [QQQ](https://iborrowdesk.com/report/QQQ) (Nasdaq 100) borrow rates are all below 1%. ETFs tracking certain asset classes that are harder to short for retail investors/investors who can't trade OTC have moderately higher borrow fees, like [JNK](https://iborrowdesk.com/report/JNK) (HY bonds) at 3%. However, many factor ETFs, especially multifactor funds, have extraordinarily high borrow rates, especially vs their relatively modest tracking errors. Examples include [LRGF](https://iborrowdesk.com/report/LRGF) (MSCI USA Multifactor) at 21%, [VFMF](https://iborrowdesk.com/report/VFMF) (Vanguard US Multifactor fund) at 31% and [SMLF](https://iborrowdesk.com/report/SMLF) (MSCI USA Small Cap Multifactor) at a whopping 122%. Other factor funds, particularly value, also have relatively high borrow rates (DFAT, AVUV, IVAL for example). Many active funds are expensive to short too ie [FMAG](https://iborrowdesk.com/report/FMAG) (Fidelity Magellan) at 11%. What gives? This doesn't seem to be a particularly new phenomenon, and even though borrow fees aren't fully passed on to longs + not all units can be lent out, wouldn't it be attractive to hold many of these ETFs simply to receive (a portion of) the borrow fees? Exact same story using borrow rates from fintel.io , which doesn't seem to use IBKR, so this strangeness seems pretty robust.

t3_u0bm4y

investing

Went all in on UNH. Good? Bad?

I put all my money in UNH stock last week and used margin. I know they say not to put all your eggs in one basket. However, I think UNH is very solid and will continue the upward trend especially in a high inflation environment. I plan on holding 3 to 5 years. It appears to average around 23% gains annually. Is this a bad idea?

t3_u080co

investing

Discussion and Thoughts on Upstart Holdings (UPST)

Hello all, I would like to hear all of your opinions on UPST in the comments, my personal opinion on the stock is that right now is a very good time to buy because it is entering historical support levels and this company has a lot of room to grow in the futures. They reported great earnings and predicting a lot of growth a few months back which sent the stock running up to 160 but failed to break that level and since then has come all the way back down. Please let me know your thoughts on this company and it’s stock.

t3_u05hf5

investing

Investing in shorts on Canadian housing markets

Like it says in the title I’m trying to add exposure within my portfolio to the Canadian housing market (shorting it rather than investing in it). any funds I can invest in that are doing this without directly shorting myself? I really don’t want the exposure of direct shorting and also I don’t want to get another broker as my current one doesn’t allow retail shorting of stocks. I see the market as way overpriced and feel it’s almost on the verge of falling anyone else? Preferably either US or European markets please.

t3_u03lvx

investing

Opening 401k, any suggestions?

Hi everyone (some background) I’m 23 years old with some capital I’ve saved up my entire life around 30k, and I’m looking for any help/suggestions for the best dividends stocks, ETFs for multiplying money over time (trying to retire as early as possible). Of course scaling in properly and buying the dip is optimal, but I’m looking for the best dividends or stocks possible; thinking Captain America like MSFT GOOG AMZN TSLA or maybe more riskier equities, but regardless I’m looking for dividend and best stocks for my future. I appreciate any response and feedback!

t3_u02wc0

investing

Merrill Lynch Investment Management

I have like $30k invested in stocks and it's not doing great. I have another $100k total in savings that I'm not even collecting interest in. A ML person called me and is interested in getting me to invest with them in their managed accounts, which costs a .58-1% fee depending on a few things. Is this a good idea? I'm thinking I should save 6months of savings from the $100k and give the investor the rest? He said I could make 10-18% gains a year depending.

t3_u00w6n

investing

Any long-term investing advice?

Hello I am new to this sub-Reddit investing and I was wondering if anyone had any good advice or good recommendations for a long-term stock or even crypto investments, for a safe percentage annually. Any recommendations would be helpful although I already know of Berkshire Hathaway and S&P 500 of course.... thank you for your time, please no trolls Edit: THANK You for helping! I will review the percentages in these comments, the non-correlated Index funds were helpful by a handful. However, the HIGHLY correlated Index funds are alright as-well.

t3_u00f31

investing

Exploring the possibility of Long Term EV plays

In the 2030s many states are passing laws the the only new cars allowed to be sold are EV or hybrids, if this is the case there is a huge potential for businesses that can capitalize on this. I know there are a lot of hyped up companies regarding this like Rivian and Lucid motors but there must be other lesser known companies that make the parts needed for EV cars or other future manufactures of EV cars. Please discuss in the comments any of these possible companies that you know of, I think long term there is big potential opportunity here.

t3_tzymrm

investing

What prevents me from front-loading shares into a mutual fund that's about to have a capital gains disbursement?

So I'm invested in FPURX, which is a fairly conservative mutual fund, but twice a year they have capital gains distributions, based on how many shares you hold. What would prevent me from selling a bunch of other stocks, and buying a ton of FPURX right before the distribution, collecting a huge capital gains distribution, then selling those shares and rebuying my original positions? EDIT: Ugh sorry I forgot Reddit has a lot of pedantic members who take things too literally. When I said, "What prevents me", what I meant to say is, "Is it a bad idea to".

t3_tzygt1

investing

REITs vs Bonds in Portfolio rebalancing

As a 21 year old I have my IRA invested into a exclusively a huge mix of equity in hopes of getting the annual average return of 10-11 percent from the S&P 500 over the next 30 years. However when I rebalance my portfolio as I edge up on retirement in my 50’s and start to invest in more fixed income securities, I’m wondering which is better. Yes, REIT’s have risk of being illiquid and losing value depending on if it’s publicly traded or not. However bonds also have risk with interest rate swings and are likely even more illiquid. Also bonds return 2-3% while REIT’s return 5-6%. And yes there are REIT’s with considerably high fees but you must do your research first. Also you can diversify with REIT’s just like stocks or bonds. I think they might be a more valuable fixed income investment for retirees needing a steady flow of cash from their investments over bonds

t3_tzvzfo

investing

S&P becomes first ratings agency to declare Russian foreign currency debt in default

After Russia attempted to make payments on dollar denominated debt in Rubles, S&P Global changed Russia's foreign debt credit rating to the default classification. Russia tried to make the payment on April 4th, but it was blocked under US Sanctions. The Treasury Department had recently granted a waiver in March on such payments, but it's recent denial show an expanded effort to cut Russia off from global borrowing markets. Russia is in a classification of "selective default", in which it only failed to make payments on it's foreign currency debt. It still has a 30 day grace period from the missed payment on April 4th to make investors whole, but S&P believes further sanctions are coming and Russia will not have the ability to honor it's obligations. It's local currency debt is still rated in the category just above "default". Interestingly, S&P stated last month that it would halt ratings on Russian debt. They will no longer issue ratings on Russian debt after April 15th. They had to throw the default grenade into the mix just before they left the room.

t3_tzua4n

investing

What are the risks of real estate in developing countries?

Probably everyone here is aware that house prices have gone insane in western-ish countries: Canada, USA, West Europe, New Zealand, Sydney and Melbourne, etc. You probably have to be a multi-millionaire to have a serious real estate investment in those countries. So how about buying up real estate in currently poor (but quickly becoming rich) countries instead? The selected country should be peaceful, open to the free market, and is getting more loans or financial packages from richer countries. You can choose either houses in big cities (safer, more in-the-money), or in some suburban areas that can be bought for dirt cheap then hope it'll evolve into a city later. I don't understand why Blackrocks aren't doing this (or do they?). Buying real estate from poor countries getting financial packages from US/Japan/EU/etc practically means they get free money from the governments. I don't know much about finance so please explain how this plan might go wrong. Edit: turns out there's a lot more risks than just buying something local. Thanks guys!

t3_tztpx9

investing

Daily General Discussion and Advice Thread - April 09, 2022

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following: * How old are you? What country do you live in? * Are you employed/making income? How much? * What are your objectives with this money? (Buy a house? Retirement savings?) * What is your time horizon? Do you need this money next month? Next 20yrs? * What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) * What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) * Any big debts (include interest rate) or expenses? * And any other relevant financial information will be useful to give you a proper answer. Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources. Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions!

t3_tzpb1y

investing

ASML: CEO and CTO will depart within 2 years while NVDA seeks to double authorized shares

I just stumble upon some information in regional newspapers that I didn't pick up in international news about the semiconductor sector: both the CEO and CTO of ASML will be leaving in 2 years (not long after the president commissioner left) and they expect a 2 year shortage of key machinery. Recruitement is looking outside the organisation for board members. I found this after reading that Nvidia seeks approval to double authorized shares to 8 billion. The longer I think about this the weirder it feels. They just did a split and they currently have 2.5B shares outstanding, so there should be more than enough room to do basically whatever, everything but a split. I also thought the announcement they'd be interested in working together with Intel IDM was pretty weird; on the day Intels CEO spoke to congress. Then we had the announcement Intel, Micron, and Analog Devices joined the Semiconductor Alliance, announcing an agreement to accelerate chip R&D and prototyping to build a more robust domestic industry, on the same day congress was briefed on economic and national security vulnerabilities resulting from a lack of domestic chip production. Not to mention the UCIe 1.0 announcement earlier, in which AMD, Google, Meta, Microsoft, Samsung, and TSMC work together. Intel is playing a key role by “donating” the initial specification. Nvidia recently announced they'd be adopting the standard as well, while at the same time announcing they'll open up NVLink-C2C to other suppliers. Is it just a coincidence all these events are happening at the same time? [https://www.ad.nl/veldhoven/onvervangbare-topman-asml-mogelijk-over-twee-jaar-weg\~af61dcbe/](https://www.ad.nl/veldhoven/onvervangbare-topman-asml-mogelijk-over-twee-jaar-weg~af61dcbe/) [https://www.dutchnews.nl/news/2022/03/asml-says-chip-makers-face-a-two-year-shortage-of-key-machinery/](https://www.dutchnews.nl/news/2022/03/asml-says-chip-makers-face-a-two-year-shortage-of-key-machinery/) [https://www.eetimes.com/chiplets-get-a-formal-standard-with-ucie-1-0/](https://www.eetimes.com/chiplets-get-a-formal-standard-with-ucie-1-0/) [https://www.reuters.com/business/nvidia-ceo-says-interested-exploring-chip-manufacturing-with-intel-2022-03-23/](https://www.reuters.com/business/nvidia-ceo-says-interested-exploring-chip-manufacturing-with-intel-2022-03-23/) [https://www.reuters.com/technology/nvidia-seeks-approval-double-authorized-shares-8-bln-2022-04-08/](https://www.reuters.com/technology/nvidia-seeks-approval-double-authorized-shares-8-bln-2022-04-08/)

t3_tzjnyb

investing

[Reuters] Nvidia seeks approval to double authorized shares to 8 billion

April 8 (Reuters) - Chipmaker Nvidia Corp (NVDA.O) said on Friday it would seek shareholders' approval to increase the number of authorized shares of common stock to 8 billion from 4 billion. Again this is not a stock split this is a dilution of shares. Any insight from my fellow redditors would be great.

t3_tzha5i

investing

Best Subscription Services

Greetings everyone! I am looking for a subscription service that: 1) Compiles at least 20 years of 10-k data 2) I can export the data into excel Bonus if it has an app. I don’t really care about analysts price target, recommendations, new letters etc. I just want the financial data. I am also fine paying a monthly or annual fee. I normally pull it from the sec.gov website but my time is becoming more valuable. A few that I have looked into are: Yahoo finance plus Guru focus Macrotrends Everything money Just wondering if any of you have tried any of these services and have any recommendations. Thank you

t3_tzdnr3

investing

Sticking with Fidelity even tho IKBR has way better margin rates

Ive been thinking about transferring to IKBR from Fidelity because of IKBR's low interest rates but having second thoughts. I have a roughly 100k account and borrow about 10%. Doing some quick math, I will only be saving a whopping $600 per year on margin interest by moving to IKBR. Some downsides of moving are that IKBR is trigger happy with margin call liquidations, all my other retirement accounts are already on Fidelity and Fidelity's customer service. Are there any other benefits of IKBR over Fidelity?

t3_tzcp6e

investing

Will data center REITs ever be obselete?

Hi there, I have a question for the tech guys around here, or anyone who has a legit answer, basically. I have been looking at data center REITs like Equinix & Digital Realty. They seem to have an excellent track record of growth. However, the tech world is constantly changing. So the question is, how important are data centers are , and how sustainable are they for the future? Do you guys think data center REITs will go out of fashion in the next 20 years? Are there any real alternatives? Or will there be a demand for them forever? All feedback is welcome.

t3_tzcia9

investing

Investing in App Harvest (APPH) - interested in your opinion of my analysis

Hello, I recently did some research on the Controlled Environment Agriculture (CEA) sector. What really interests me about it are the efficiency gains in terms of water/land usage and yield that can be achieved compared to "traditional agriculture". I also know that there are still some problems that need to be solved (overall energy usage, types of crop to be grown etc.), but all in all I like the approach and technologies behind it. Anyway, I don't want to discuss CEA but one player in this sector: [AppHarvest (APPPH)](https://www.appharvest.com/2.0/). They are growing mostly tomatoes in one "of world’s largest indoor farms in Appalachia" and are planning to expand their business to four indoor farms by H2 2022 growing also strawberries and leafy greens. Let's say that they had a very rough first year which is also reflected in the stock price and I'm actually not sure if they will be able to recover. # Net Sales VS Cost of Goods Sold (COGS) If you look at their [10-K from 03/2022](https://investors.appharvest.com/node/7926/html#i27acac6cdf284555bb8fb5594f62b21c_91) they report the following for the whole year of 2021: \- Net Sales: **$9.050.000** \- COGS: **$41.938.000** Granted, they encountered some problems in their first year of operations and were not able to grow at full capacity and highest quality as it is shown on page five of their [Q4/2021 earnings presentation](https://investors.appharvest.com/static-files/d77f986b-e813-4542-a84b-cd39411e1a0f): ||Q1 2021|Q2 2021|Q3 2021|Q4 2021| |:-|:-|:-|:-|:-| |Yield (lbs)|3.8M|8.6M|1.5M|4.4M| |Net Price / Lb.|$0.61|$0.36|$0.37|$0.69| |Net Sales ($M)|$2.3M|$3.1M|$0.5M|$3.1M| But let's assume for a second that 2021 went well and they were able to produce 8.6M lbs of tomatoes each quarter and sell them for $0.69 each. This would give us the following net sales: \- 8.6M \* 4 \* $0.69 = **$23.736.000** So even under such an assumption their COGS is still almost 2x higher than their net sales which tells me that something seems to be wrong with their business model in general and I have my doubts that a business expansion solves anything here and I'm fearing that the Net Sales to COGS ratio might be similar for the other indoor-farms they are about to put into operation. # Executive Compensation Aside from the doubts about their overall business model there are also the Exec Comps in 2021 which leave me with a question mark. The CEO of AppHarvest earns a basic salary of $250.000 per year (so far so good). But then there are the bonus payments ($1.500.000) and stock awards ($31.282.077) that seem totally exaggerated. The same is true for the President which got a salary of $650.000 and stock awards for a sum total of $22.567.690. I mean I get that they are highly qualified professionals who probably works their asses off, however, AppHarvest is a startup (founded in 2017) and such salaries and bonus payments don't seem proportional, especially after such a horrible year. # Conclusion I'm not going to invest in this company for the aforementioned reasons. However, I still believe that the sector as a whole as a bright future ahead of it and that there are other companies which are a better choice for an investment. # P.S. I have posted a comparison of economical and yield projections made by AppHarvest during their [Dec 15, 2020 Analyst Day Presentation](https://investors.appharvest.com/static-files/5fe4670f-144a-4788-9728-01b72186f02b) with their actual results of 2021 in the r/AppHarvest subreddit should you be interested. [https://www.reddit.com/r/AppHarvest/comments/u1wzpw/appharvest\_reality\_check\_interested\_in\_your/](https://www.reddit.com/r/AppHarvest/comments/u1wzpw/appharvest_reality_check_interested_in_your/) ​

t3_tz7suu

investing

Question on future US debt interest payments

Hi all, looking to see some discussion on what the implications of higher interest rates will be, specifically with regards to national debt. I read an opinion article on cnbc that essentially states that in 2021, 20% of taxes paid went towards interest payments, which went through at an average of 1.5%. The author then goes on to explain that with meaningfully higher interest rates, we could easily see a situation in which two thirds of taxes paid in the US end up going towards interest payments. Do you guys think this is a possibility? How do you think the government will react to this?

t3_tzcag4

investing

A "recession shock" is coming warning announced

4/8/2022 *I hope we are in not as bad shape. If it arrives early at least we are prepared.* This is from Research Strategist at BOA The macro-economic picture is deteriorating fast and "*COULD*" push the U.S. economy into ***recession as the Federal Reserve tightens its monetary policy to tame surging inflation***, BofA strategists warned in a weekly research note. "'**Inflation shock**' worsening, 'rates shock' just beginning, 'recession shock' coming", BofA chief investment strategist Michael Hartnett wrote in a note to clients, adding that in this context, C**ash, volatility, commodities and crypto currencies could outperform bonds and stocks.** The Federal Reserve on Wednesday signalled it will likely start culling assets from its $9 trillion balance sheet at its meeting in early May and will do so at nearly twice the pace it did in its previous "quantitative tightening" exercise as it confronts inflation running at a four-decade high. [**read more**](https://www.reuters.com/business/feds-qt-plan-then-now-2022-04-06/) **A large majority of investors also expect the central bank to hike its key interest rate by 50 basis point**. In terms of notable weekly flows, BofA said emerging market equity funds enjoyed the biggest inflow in ten weeks at $5.3 billion in the week to Wednesday while emerging market debt vehicles attracted $2.2 billion, their best week since September. It was also an eight week of outflows for European equities at $1.6 billion while U.S. stocks enjoyed their second week of inflows, adding $1.5 billion in the week to Wednesday. The analysis was based on EPFR data. Reporting by Julien Ponthus, editing by Karin Strohecker

t3_tz9wcw

investing

Big Short Keeps Nickel Market on Edge One Month After Squeeze

Bloomberg has been covering this pretty extensively, but, strangely, there has been almost zero discussion on the topic on this sub (of all places). [Article](https://imgur.com/gallery/V87Rtv3) [Nickel spot prices L3Y](https://imgur.com/a/h7309SW) [Price history since 12/2021](https://imgur.com/a/mfVO2LO)

t3_tz6hpw

investing

Preferred stock - what are the pros/cons?

Preferred stocks often pay higher dividend yields. Why would someone choose to invest in common stock rather than preferred? Do preferred stock values typically mirror those the the common stocks? What exactly happens to your investment in preferred stock if the stock is 'called'?

t3_tz4maq

investing

Happy accident or potiental for meltdown?

So my grandpa was a traditional investor and following his directives I have a decently standard stock portfolio just a little more aggressive than the nasdaq, but on my own bullshit investing in crypto/etc. I’ve found reciprocal success IE Devon(or whatever major stock I’m holding) might be up while crypto is down and vice a verse. Can I just hop moneys back and forth or will it eventually blow up in my face?

t3_tz2u8y

investing

Daily General Discussion and Advice Thread - April 08, 2022

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following: * How old are you? What country do you live in? * Are you employed/making income? How much? * What are your objectives with this money? (Buy a house? Retirement savings?) * What is your time horizon? Do you need this money next month? Next 20yrs? * What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) * What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) * Any big debts (include interest rate) or expenses? * And any other relevant financial information will be useful to give you a proper answer. Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources. Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions!

t3_tyz9qt

investing

What's Going On With Natural Gas Equities?

Over the past couple days, WTI and Brent have corrected from their highs. Normally, energy stocks in general are pretty correlated to oil price movement and the broader market. So I have never felt the need to investigate further. Also, over the past couple days, both US natural gas futures and spot have gone bananas (likely a result of US shipping LNG over to Europe in the great energy reshuffling). However, US and Canadian natural gas equity price has not followed nat gas price, but still seem to trade in correlation with WTI. Eg., OVV, LNG, CTRA. If anything, it seems to me that natural gas equities have underperformed their oil counterparts by around 20-50% post-Omicron. Some could argue that these stocks haven't run because of the expectation that nat gas price will normalize due to the upcoming seasons of the year when demand for natural gas will wane. But that doesn't explain why these pure natural gas plays have also gone down with WTI and other oil plays. Why is there not yet a divergence between pure natural gas and pure oil equity price performance? Shouldn't nat gas equities be outperforming oil right now? u/enginerd03 [**enginerd03**](https://www.reddit.com/user/enginerd03/)

t3_tyu6du

investing

Selling investments to pay tax debt

I'm in a position where I either need to cash out $15,000 from a taxable retirement account (Betterment), or sell $15,000 worth of Bitcoin to pay 2021 taxes. I'm not sure which is the best option, so I thought I'd pose the question here. I have about $25k in crypto total, and about $25k on Betterment, equally split between a Roth IRA and the taxable account. I guess I'm wondering which sell will I regret less later on.

t3_tytjb1

investing

Portfolio opinion thanks in advance

I have made many mistakes so far….. those mistakes have been good. They taught me lessons while i’m younger…. As I look to re establish my financial fundamentals . Why do we not see more people in favor of dividend investing? I always thought about this a decade ago. I understand now with inflation it may be even more popular. Does anyone have any reasons why I should not be creating a primary income dividend portfolio? My plan would be significant dividend portfolio and some growth companies I like the fundamentals of. (I love EV, AI, semis) I’m just looking for where I am wrong to just go all in on dividends? Thanks in advance!

t3_tysl2z

investing

US mortgage market basics

When a ‘normal’ residential borrower applies for a home loan in the US, what are the ‘normal’ types of product available to them? Normally in the UK, borrowers apply for a fixed rate < 5 years, expecting the borrower will switch onto a comparable fixed rate < 5 years (10 years would be very unusually long period to fix for), or a tracker tied within a % or two of the Bank of England base rate (the primary policy tool for setting interest rate policy in the UK). If the borrower isn’t on such terms, they’ll be charged the lender Standard Variable Rate - considerably higher than fixed or tracker rates, but allowing freedom to switch onto a better rate subject to affordability assessment How does the US model tend to operate? I’ve come to understand it’s more long-term (20+yr) fixes, but posts I’ve seen recently seem to suggest that such fixed rates are affected by FED rate policy. Is that right, or have I missed something? Thank you. High-level only - I wouldn’t want to put anyone to spelling it out deep-dive style!

t3_tys3g6

investing

Does my 401k managing company suck?

Since 8/1/2019 my 401k has a total return of 6.25% and before I called to change it they set 18.6% of all money going into it in a money market fund losing and gaining nothing. Any recommendations? My employer still matches 4% of my checks so I'm keeping it regardless but I can get better returns on my own through low cost ETF's so I'm hesitating on putting more into it per check.

t3_tys0ox

investing

4-7-22 SPY/ Apple Daily TA

Going into today we had a small gap of about 90 cents to fill left on the daily chart. While GAPs almost always fill an upside gap when we are in what appears to be a short term bear trend can be up for debate as there is no real timeframe for gaps to fill. It does appear SPY fills them two days later usually. With that being said we saw the bears take hold again today running the VIX back up to 23.82 intraday and a low of 443.53 before saw a massive (what used to be rare but is now common) mid day reversal of trend. While these trends are getting pretty darn old they are becoming fairly common. Again the hint was the back to back massive red candles at 1pm. From there she just kept falling. That 24 level seems to be key “resistance” right now. As you can see we are within a clear downward what I call a double channel. We are currently trading within and bouncing upward resistance of the upper channel. Despite the big energy the bulls came with end of day we saw SPY stop dead in its tracks at 450.5 range and failed to break through that resistance for over an hour before it finally sold off right into candle with a nice fat red candle down to 448.77. With the gap being filled and the upper limit holding strong I will be watching for a sell off into after hours and for futures to take a small dip over night. I suspect we could trade around the 446.5 to 44 range after hours. ​ Upper resistance for the channel (assuming we stay with in it overnight) puts resistance at 449.5 for open and support at 445.7  442  438. While I am watching for a bearish formation (see the black channel down) I am monitoring for SPY to find support and continue on a bull run (red channel) of course while also monitoring for a bigger overall channel that I have not been able to establish yet. If the BEAR channel holds true tomorrows range is 442.3 to 455.5. If the BULL channel holds true 445.5 to 460 is tomorrows range. The one thing while this chart is very busy I want to point out is the EMAs. Today we saw SPY dip below the 20, 50, and 100 daily EMAs for the 2nd time this week but failed to close below it again. On the upside we rejected quite firmly at the daily 8ema of 450.8. To me the breaking of the 20, 50 and 100 ema AGAIN along with the very firm rejection and red candle into close tonight is bearish for tomorrow and definitely for next week. We also finally have a true downward direction on the daily 8ema. Now of course if tomorrow bulls can get this up and over the daily 8ema and close above it I would think 460 comes before 440. However, I will be looking for bears to get back on track again tomorrow and close below the daily 50 ema at 445.3. However, a close below the 100ema at 446.75 or the daily 20 ema at 447.21 would also be a bearish indication for next week. We also have a confirmed daily MACD sell and RSI still a 53 trending sideways now. Same thing with the weekly chart here the bears were able to get it down below the weekly 20 and 8ema which is very bearish and I will look for them to close this candle tomorrow below the 20 and 8ema at 445.38/ 446.64. A close there with a firmly red candle below the doji last week would solidify some red downside next week in my opinion. The VIX has another MASSIVE day today with a total range from peaks to lows of 21.12 to 23.82 or a move of 12% again today. Some very big moves this week with the VIX that’s for sure. Before someone says “YoU cAnT tA tHe ViX” Yes I know this… duh… BUT you can watch key levels and right now this month the low has been 18.7 and the high 24.8. What the means to me is closing at 21.56 we are pretty much right in the middle of the current month range. Bulls and Bears both have a chance to capitalize tomorrow. Apple had a pretty unexciting day today finishing at a small 0.18% green. We saw it break its key support at the daily 20ema again of 171. However, it too saw an end of day bull run that hard rejected its daily 8ema at 173.72 to close at 172.14. With an already red after market i will look for that to continue over night. SPY bears will like to see Apple close its week out with a candle below the daily 20ema at 171 tomorrow with hopes of seeing 165-168 next week. However, the bulls need a close above the 8ema tomorrow. Range for tomorrow based off the current black bull channel puts us at 171.3 to 178 (unlimited upside tomorrow). The yellow bear channel (much like SPY) gives a range of 171.3 to 160 (unlimited downside tomorrow). Apples Weekly chart has a similar break target of below the 8ema of 169.1 tomorrow to ensure a red week next week. 10% challenge- I had a pretty incredible day today. I had realized gains of 6x my daily profit goal today alone. Heading into tomorrow this is shaping up to be a killer week. I played a 1dte call for -10%, a 1dte put 10%, 4dte put 23%, 6dte put 20%, 1dte put 20% and a 4dte call for 15% today. I am holding a 4dte put over night and also opened a YOLO June 17th 375P today.

t3_tyq51f

investing

What am I missing in this biotech investment?

I am intentionally not adding the ticker, as I dont want to come off as pumping my shares. But I invested in a biotech company that started listing 3years ago. In their pipeline 2 potential drugs for a market that is estimated at 1% of global population. This week they got FDA approval to commercialise one of them. And now I try to understand market action. They have 19M floating shares. At the day of approval 15M shares changed ownership, still end of dat the share did not rise. The next day it even dropped 10%. 6months prior to this approval day share value dropped 60-70%. How can a biotech that went from no income, to owning a drug that is approved to commercialise, with that market potential and such a trade volume with that low amount of outstanding shares, not rise in price? What am I missing?

t3_typ690

investing

Stock market indices vs Fed funds rate hikes

Here's a link to a chart showing how stock market indices (S&P500 and Nasdaq) react to interest rate hikes. [Fed funds rate vs stock market](https://www.reddit.com/r/codingeconomist/comments/tha1te/fed_funds_rate_vs_stock_market/?utm_source=share&utm_medium=web2x&context=3)

t3_tyl91y

investing

Visualizing the power of Dollar-Cost Averaging

I'd always heard the phrase, "time in the market is more important than timing the market," but I had never been able to see how it would have played out. A few things I learned while doing my research: If you had put some money in VTI consistently since 2013 (when I graduated from college, Go Blue), you would: 1. Be up 68% on your money 2. Have a max loss of just -3% (March 2020) Had you done the same with QQQ: 1. 106% Return with **no** periods of negative return And IWM: 1. 40% return with -23% max loss Had you done the same thing with Bitcoin (just for fun), you would: 1. Be up 344%(!) 2. Have a max loss of -37% ​ Takeaway: Did I do any of these things? No! But if you're a passive investor (like I am aspirationally), there's almost nothing you can do that's more effective than investing **regularly** (ideally in broad-market ETFs). ​ Stay the course! ​ Source (ETFs): [https://factor.fyi/questions/dollar-cost-averaging-the-market-a1ikcvysfi](https://factor.fyi/questions/dollar-cost-averaging-the-market-a1ikcvysfi) Source (BTC): [https://factor.fyi/questions/dollar-cost-averaging-btc-since-2013-jqrm6p6be8](https://factor.fyi/questions/dollar-cost-averaging-btc-since-2013-jqrm6p6be8)

t3_tyjoly

investing

Understanding brokered treasury bills

After much digging around I have decided to put a fair amount of cash into Treasury Bills, probably the 52-week variety. At first I looked into using Treasury Direct, but to be honest it looks like a lot of work. So I fell back to looking at buying through Vanguard, Schwab and/or Fidelity as I have accts in all of them. In looking at their offerings (and the listing for same all look similar) I noticed something I don't understand. And I am loathe to put $$$ where I don't feel I understand. I will explain my concern with an example. If I look at the 1yr offerings I expected to see 52-week freshly minted bills that yield about 1.68%, the present rate. But there are other items offered. An example of this would be taking the last year of a 5-year bond with a 2.65 coupon. This guy yields just over 2%. I don't understand this. Why would this offering yield more? To me, since there is no risk involved in these bills/bonds, The yield should be closely related to the remaining duration of the bond, i.e. it should be about 1.7%. Seeing this makes me think I am missing something. Can anyone explain?

t3_tyjk4n

investing

S&P 500 "Stock Picking" Thoughts

The S&P 500 is a collection of "the 500 largest US companies by market cap". I'll get into why there's quotes there later. It is common knowledge among investors that the S&P 500 index beats out active investors who "pick stocks." For a lot of investors, the S&P 500 is commonly referred to as "the market" and is often the benchmark to compare other strategies. After all, it looks well diversified because it holds lots of companies from many different sectors. The S&P 500 is known as a passive investment. There isn't any managers actively "picking stocks", and various implementations (VOO, SPY, etc.) have very little fees. I do however have a problem with the definition that it is a passive investment. What many may not know is that the stocks within the S&P 500 are actually chosen by a committee. This committee has various requirements for a stock to be included, including fundamentals such as revenues. However, investors are not paying for this, as the committee is a separate entity from the ETFs. It may also be surprising to some that Apple makes up almost 7% of VOO. I would guarantee that most passive investors would disapprove of having that much of your portfolio into one stock. Different S&P 500 ETFs may have different allocations. What are your thoughts? Why do we discredit "stock picking", but are fine with supposedly "passive" ETFs? Why is this committee's fundamental analysis blindly accepted as "correct" over other strategies? Let me know what your thoughts are, and where I get things wrong. I enjoy understanding the nuances of different investment strategies.

t3_tyjdz6

investing

Dutch housing market: first drop in average selling prices since years

*"After years of steadily rising house prices, the housing market shows the first sign of cooling. Homebuyers, on average, paid 2.1 percent less for an existing house in the first three months of 2022 than in the previous quarter, realtors' association NVM reports. That's the first quarterly price decrease since the beginning of 2019. Compared to the first quarter of 2021, home prices were still much higher."* [https://nltimes.nl/2022/04/07/dutch-housing-prices-fall-first-time-three-years](https://nltimes.nl/2022/04/07/dutch-housing-prices-fall-first-time-three-years) Interest rates on mortgages are rising sharply while the average adjusted disposable houshold income is dropping sharply due to inflation, which combined with sentiment in the market could mean a turning point on the housing markets. For a variety of reasons the reported decrease in prices isn't as significant as it might seem, but it might be an early sign we're approaching a potential turning point on the housing markets worldwide. Inflation in the Netherlands is rising extremely quick, from 1,4% in July to 11,9% in March, an indication the reduction in adjusted disposable income and rises in interest rates on martgages aren't temporary. Average selling prices dropped from EUR 440,000 to EUR 428,000. Publications (Dutch only): [https://www.nvm.nl/wonen/marktinformatie/](https://www.nvm.nl/wonen/marktinformatie/)

t3_tyii6f

investing

Estimating earnings on dividend reinvestment

I have this idea kicking around in my head that one investment goals to pay for things in 20-30 years is to: * Purchase sufficient amount of stocks so that the quarterly dividends are enough to purchase at least an additional share each quarter * Primarily look into [S&P Dividend Aristocrats](https://en.wikipedia.org/wiki/S%26P_500_Dividend_Aristocrats) and Dividend ETFs that grow at least at the rate of inflation * Only consider companies that are likely to exist in 20-30 years (I.E. McDonalds, Lowes, but maybe not smaller petroleum companies) * Only consider companies that existed before 2008 and fared well in the last recession (as an indicator that they will survive future recessions) * Monitor these stocks, and dump/re-invest elsewhere if they look like they are going to perish * Not kick off this model until after the next recession ​ The initial math on what (arbitrary example) $48k of McDonalds stock is worth in 20-30 years in this strategy is fun, but I am sure I am making some mistakes. Here's some assumptions I am making in the model (read left to right, not PEMDAS): ​ * Enough stock was purchased to purchase a full share on the first dividend * Partial shares can be purchased * The stock price will grow at a rate of (current price) - (initial price) / (quarters in existence) \* (90%: 10% discount to be more conservative) * The dividend yield will be (last 10 average yields) \* (90%: 10% discount to be more conservative) * Taxes on earnings are not included ​ Thoughts?

t3_tyh7tu

investing

People who actually know the answer only: Why is the financial sector getting such a beating (some more than tech) in the last few months when rates are increasing?

The financial sector is supposed to go up with increasing rates. Why in the world are bank stocks falling into the depths of hell? I understand people might be tempted to spend less with high rates, but more people will keep their money in banks and financial sector generally makes more money during rate increases. Someone please explain this idiocy to me.

t3_tygc8p

investing

Satellite Technology Advice

Hi, so there's been some buzz especially as of late about satellites. Starlink helping Ukraine get service & Amazon getting more involved in sending satellites up. There are already a bunch of great companies and stocks out there that provide satellite info as well, Viasat, Lockhead, Boeing, Maxar, etc. So already some competition. Satellite's seem to be inevitable to helping the world connect to places they couldn't have before (middle of the ocean, better connection while flying, more stable ways to connect when in trouble, like Ukraine). I'm not a aerospace engineer or genius or know too much, but satellite technology seems to be a great tool in the future. Does anyone know of any stocks that help build satellites or satellite technology? or is the only way to invest as of now is a like space etf or one of these stocks that also provide satellite data? I think it'd be better / safer to choose the stocks that help build these satellites than to choose one and then competition eventually crushes them? or choose one of the few ETF's (UFO, ARKX). I'm looking / willing to hold for a few years. I have tried digging into some of these individual stocks, so maybe one of those options is the one I'm looking for, but I'm wondering if you know of any that I am missing? Thank you!

t3_tye0ju

investing

What is the official broad term for companies that provide background/unnoticed resources?

As a layperson, I 'm referring to Background companies.. examples ARE: Utility companies, infrastructure companies, materials companies (mining. etc), Scientific equipment, Manufacturing equipment, etc.

t3_tyd3ww

investing

$HMTXF Listed on OTC Market

​ Hemostemix Inc. (OTC: $HMTXF) is pursuing a business opportunity to impact the human healthcare industry positively; Hemostemix is considered one of the first Canadian biotech companies that enlightened the world about regenerative medicine. The healing and regenerating properties of stem cells form the basis of ACP-01, which repairs and reconstructs damaged tissue. Another advantage suggests being less invasive because of the therapy’s autologous nature. 

t3_tybofv

investing

Food Shortages Coming - where to drop $15k to profit

I keep reading about Ukraine war and how real food shortages are coming. Ukraine makes a lot of the world's wheat, but other than that, why would there be shortages of other food - doesn't make sense to me. Anyway, What would you buy, right now, if you knew food shortages are coming to the world. I have been told the wheat commodity prices already have this priced in

t3_tybc9c

investing

Portfolio for a rising interest rate and high inflation environment

I'm thinking about how to position myself for a high inflation and rising interest rates environment. My current thesis is this: - Rising interest rates, and thereby a rising risk-free rate, are going to compress multiples in the broad stock market. This makes investing in broad index ETFs less attractive as in the past decade, as the returns are likely low if not negative. - Bonds are losing value when interest rates rise. Therefore investing in bonds before a period of rising rates is not advisable - Cash loses value quickly due to high inflation Therefore, I see two possible options for positioning myself: 1. Investing into different markets outside of EU/US where the environment might be different 2. Going overweight into banking sector ETFs. Banks profit from rising interest rates and could come out on top in such an environment. However, if the rising rates lead to a general market sell of and/or a recession the bank stocks might also lose value. Of course, the whole thesis builds on the assumption that interest rates will be rising for some time and inflation does not magically go away when supply chain issues are resolved. What are your thoughts on this? Am I going wrong somewhere?

t3_tyb0ef

investing

Daily General Discussion and Advice Thread - April 07, 2022

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following: * How old are you? What country do you live in? * Are you employed/making income? How much? * What are your objectives with this money? (Buy a house? Retirement savings?) * What is your time horizon? Do you need this money next month? Next 20yrs? * What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) * What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) * Any big debts (include interest rate) or expenses? * And any other relevant financial information will be useful to give you a proper answer. Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources. Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions!

t3_ty8uxy

investing

Thoughts on Floating Rate Funds in the current atmosphere?

Hello r/investing! My girlfriend and I have a few thousand shares of RSFYX (Victory Floating Rate Fund) through Raymond James -- our average share cost is $9.17 (current price is $9.16). The price of RSFYX has been on a steady decline since its inception, though it pays decent monthly dividends, and we only pay 1.25% our portfolio value to Raymond James in fees annually (about 0.3% each quarter). We were up 2ish% right before the crazy geopolitical news broke. Since then, we were down 2% at one point, but now only down 0.6% (mainly from fees, as our average share price is $0.01 below the current share price). The reason I am typing this post is because we are under contract for a new-construction townhome that will break ground in a few weeks. We plan to hold (and continue buying with regular contributions) until we need to sell shares for our down payment, closing costs, and other associated fees. This may be sometime in the next 12-18 months. Essentially 99% of our saved money is held in these RSFYX shares - emergency fund, new home, furniture, etc. My girlfriend and I share the mentality that although we are taking a slight/safe(?) risk, this savings method is likely to generate better returns than a typical savings account. I am not anxious by any means, but I am curious to hear the community's thoughts on this strategy, especially during this volatility. I watch the RSFYX price daily, it typically never fluctuates more than a couple cents. When the war in the east broke out, it did react rather dramatically compared to its usual behavior, and has been on a slow climb back up since. Do you think we are better off holding a portion (or all) of this money in cash for the next year and half (or more)? How could the general performance of the economy or Fed interest rate hikes over the next year affect the bank loan interest that floating rate funds deal with? What are your thoughts on floating rate funds in general, and using them as a vehicle for saving money that typically makes decent gains in the long run? Thanks for taking the time to read!

t3_txxqbq

investing

What happens during a recession?

Simply that, I’m 20 this year and if we do reach a recession, what happens to the stock market? Are there any sectors or stocks that perform or does the whole market tank? If everything does go down, maybe you can’t time the bottom but that means you should just sell now, lock in profits and wait for some signs of recovery to buy back in? Assuming you’re a believer that there will be a recession since obviously no one can predict it. Appreciate any replies!

t3_txwfi8

investing

CVNA and other struggling online auto retailers

I'm curious about others opinions either in agreement or dissenting. Rode the wave down on puts from the top and still think their Financials suggest downward. Curious if you think also dead cat now or are we at a good support? I'm avg down a bit more on some OTM puts for May 20. Do you see any bullish or bearish signs? Is the auction site a huge thing for them but won't be auctioning cars for a year or so? Etc...

t3_txv8mf

investing

Will Nasdaq or NYSE ever unhalt the trade of Russian stocks?

Hey guys. I hold a huge bag of Russian stocks, yandex, headhunter, and ozon, all of which I have invested long before the Russian invasion on Ukraine. Their trade were all halted on February 28th as T12 halt. I recently read the news that Russian congress is pushing forward the bill to delist Depository Receipts and exchange them with Moscow stocks. But I don’t think this applies to these internet stocks, which are issued abroad (especially Yandex which is issued in the Netherlands). I am already down a lot. And I am so worried that I might lose everything. Any insights on how and when Nasdaq or SEC ever allow to trade again?

t3_txt0ps

investing

Artificial intelligence ETF's

Can anyone tell what is happening in the artificial intelligence market thats causing prices to drop? Big spike down yesterday. I'm in a few robotics ETF's that are also falling but was about to add some AI ETF's to my portfolio until I noticed the AI ETF's all falling, any information please?

t3_txst9a

investing

When to contribute to an IRA and when to contribute to a Brokerage

I've been doing a lot of research on IRA and saving in general. Every outlet I've read says to always max out an IRA when you can. I guess my question is why would you want to lock up your money until your 59.5? I understand the tax-advantage you gain from the IRA but as someone who wants to retire early (living frugal and saving 30%+ of income), would I be better using all my savings (besides minimal 401k match) to invest in growth funds in a taxable brokerage? ​ I'm curious on your thoughts on the idea and if I'm missing someone big here. ​ EDIT: Another part of this is that I feel IRA's are just the governments way of insuring you work till you're in the 60's. What if I don't want too? ​ Thanks

t3_txsn9o

investing

Profit Sharing - Being offered a new role in my company with profit shares as part of the offer, I’m seeking advice to get the best outcome for myself from the negotiations.

I handed in my notice at my company a couple of weeks ago. They have asked me to stay on in a new role heading up their new manufacturing business. I’ve never done this before but the new business ties closely with their existing well established business (the one I’m leaving and know inside out). I’m currently negotiating salary, bonuses etc but profit shares has been mentioned as part of the package as well. The current target for the business is to be turning over €5m at 25% profit by 31rst Dec 2025. The turnover target is achievable but I’m not sure about the profit % target until I get right into the details. I know board members of the other business have an agreement to get 3% of profits at end of 2025 based on a target. I suppose my questions are (I know nothing about profit shares): Q1, How do I cover myself with a deal if they company doesn’t achieve its goals so I don’t end up with nothing? Q2, If I meet these targets how much should I be looking for? Q3, What about exceeding the targets ie higher turnover at 25% or even better €5m + turnover with a higher % profit? Thanks

t3_txsaxl

investing

wash sale disallowed loss?

So I accidentally did a wash sale last year, was a 30k loss, I get it I cannot claim the loss oh well, the problem is they're counting it as a gain. Is this a penalty? I'm paying taxes on a 30k loss as a gain... lol wtf???? Robinhood swears it's correct & to consult a tax professional for further questions. Whew. Thoughts?

t3_txs2r3

investing

Reverse Stock Splits - Why do Investors Hate Them?

I have noticed that most retail investors hate reverse stock splits even if it means the compnay would be uplisted. Why is that?I am currently invested in a company that will be doing 18-1 split to uplist to NASDAQ. What should I be expecting? I noticed HITI did a 20-1 split for the same reason last year and their stock price soon when to hell.Can you help a brother up by sharing your experience? Thanks

t3_txrjb1

investing

Former NY Fed Pres Bill Dudley: Fed Might Need to Force Stocks to Fall (Bloomberg Interview)

It's rare to see a Fed official, even a former one, be this explicit about the wealth effect going the other direction. The Fed relied on the wealth effect to boost the economy when stocks were on the way up. (Bernanke famously said so in 2010). Now Dudley says the Fed wants equities lower to slow inflation. https://www.youtube.com/watch?v=Fiiib9oqTB0 Edit: Fed minutes came out at 2pm EDT. Consensus interpretation seems to be dovish. $95B cap on QT phased in over three months.

t3_txr4c5

investing

Is there a way to convert an index fund to an ETF without selling?

I have some fidelity index funds and want to switch to S&P 500 ESG ETFs, is there a way to do so without selling (realizing gains)? Or am I better off just leaving them and buying ESG ETFs moving forward? I don't care if ESGs are more volatile or marginally less profitable.

t3_txqmlk

investing

Question: Can a stretch IRA grow significantly?

\*\*Disclaimer: I'm not looking for specific advice about my account, just a general explanation of how an investment would operate.\*\* My inherited stretch IRA has been bobbing along at roughly the same about for over a year now, so it started me thinking: since I can't put any new money into it, how much can it grow? Obviously the stock market fluctuates so the actual amount of dollars in the account at any given time will be different. But without new contributions, would there be any kind of exponential growth? What's the typical trajectory? Signed, A Financial Dunce Edit: Thanks everyone for the great responses! It was just what I wanted to know.

t3_txpjvc

investing

Hemostemix Inc. Market analysis

Hemostemix Inc. (OTCQB: $HMTXF) is a Canada-based biotech company listed on OTC Market with the ticker symbol $HMTXF. The trading volume is marked as 20,950, having a fair amount of a 9.8M market cap. The company started opening today at 0.1392, currently running at a hike of 0.14%. More Stock Information: [https://www.otcmarkets.com/stock/HMTXF/overview](https://www.otcmarkets.com/stock/HMTXF/overview)

t3_txp4d2

investing

Bigger investment in mining needed to meet climate goals, says LGIM - FT

Title says it all, LGIM states we'll need to increase our investments in mining to meet climate goals. For example, copper demand will need to double and nickel demand will need to quadruple to meet the Paris agreement. To complete our energy transition our mining industry needs to grow. I think I will sharpen my pencil and take a deeper dive into mining companies. https://on.ft.com/3j3DlBS

t3_txoi2t

investing

Is there some time span implicitly included when a "price target" is announced by an analyst?

I oftentimes read something like "so-and-so analyst company initiated XYZ coverage with Outperform and target xxx.yy." I see nothing about a time horizon in this. Is there something like 6 months or 1 year implied? This statement says nothing about the "speed" of reaching that target. Update: Thanks for the various replies. But then what's the point of such a "price target"? if there is no time frame associated with the "target", it's pointless. I could have said in 2002 "Amazon will reach 3400", and at \*some\* point in time I would have been right (some 20 years later).

t3_txmhdv

investing

Balance Sheet To Be Focus Of Fed Minutes Amid Recession Warnings

Shedding light on US central bankers’ hawkish stance, minutes from the Federal Reserve March meeting are expected to reveal a committee leaning towards more aggressive monetary tightening. Likely to mirror post-meeting rhetoric, the Fed minutes are set to reinforce an urgency to frontload policy and included more details on the balance sheet run-off, according to analysts. In March, the Fed raised its benchmark interest rate by just a quarter point as war raged in Ukraine and domestic inflation hit a four-decade high. Since then, price pressures have only increased, and labour market data has shown solid employment growth and an acceleration in wage growth. With the Fed pulling no hawkish punches in its policy guidance, investors will scrutinise the minutes for any insights on plans to normalise the balance sheet. Full link: https://www.livesquawk.com/report/special_balance-sheet-to-be-focus-of-fed-minutes-amid-recession-warnings

t3_txkrxv

investing

I'm confused which should I choose: Dividends or Real Estate?

My parents are convincing me to invest together as a family. They want us to split the cost and try our luck in either real estate or dividend investing, but we can't decide which. We are weighing the benefits and drawbacks of both options. My father suggested that we consider real estate investing because it has been shown to be beneficial in the long run, and if done correctly, it can generate lucrative returns for us. While having our money in the market will undoubtedly require less energy and effort from us, dividend investing will undoubtedly require less energy and effort from us. I'm not very knowledgeable about this and I really want to support my parents' plan so I've been researching and looking for various platforms that can assist and guide us through our investment journey. I came across [Hedonova](https://www.hedonova.io/?r=1), [Fundrise](https://fundrise.com/), [Carl Inc.](https://moneymade.io/discover/carl-inc), and [Yieldstreet](https://www.yieldstreet.com/) but I'm not sure which one to use. Is it possible that some of you already experimented investing through these platforms? I don't want this to go to waste because I want to ensure that it will be a reliable source of income for my elderly parents. I'm excited to hear about your own experiences and specific recommendations for a better strategy.

t3_txitan

investing

Daily General Discussion and Advice Thread - April 06, 2022

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following: * How old are you? What country do you live in? * Are you employed/making income? How much? * What are your objectives with this money? (Buy a house? Retirement savings?) * What is your time horizon? Do you need this money next month? Next 20yrs? * What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) * What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) * Any big debts (include interest rate) or expenses? * And any other relevant financial information will be useful to give you a proper answer. Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources. Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions!

t3_txhtbr

investing

Pitfalls of Chinese Equities

## The Big Picture There are plenty of different countries and islands which Chinese firms use as a springboard to list on the NYSE or NASDAQ. The concept remains the same, and thus the most prominent and biggest company makes for an intriguing show-by-example: Alibaba. Without a question, Alibaba is huge, has plenty of customers, and offers a wide range of services. E-commerce, artificial intelligence, venture capitalism, Alibaba covers it all. The company went public on the New York Stock Exchange in 2014 and became the largest IPO in history (not just Chinese, but overall). The demand for stocks of the internet giant was huge and the underwriting oversubscribed. While insiders and sophisticated investors understood what the rights of owning BABA stocks entailed, most were blinded by the prospect to get in the action. Although it was an initial public offering, and the name of Alibaba was splashed across it, investors didn’t actually get a piece of the Chinese company but solely a promise to receive profits of the Alibaba Holding Group in the Cayman Islands. I know. It’s complicated. China doesn’t trust foreigners and consequently, Chinese law forbids them to hold strategic domestic assets. No surprise, the nation’s e- commerce flagship belongs to that untouchable group. Wall Street and stockbrokers are aware of that. “So why the fuck are Chinese equities even listed on the NYSE if we don’t get shit for it?”, you may ask. Good question and the answer is money. To solve the issue of foreign ownership prohibition and still offer a financial product to investors, there is a "solution" called variable-interest entity structure (VIE). Even though a VIE doesn’t give investors the right to receive a penny if Alibaba would default, it gives the holder of a VIE the right to receive profits from the emitting entity. In simple terms: Alibaba makes a profit and you as the owner of their “stock” are technically entitled to parts of that profit in the form of dividends. If you think this procedure is an isolated incident then let me reassure you: it’s not. Maybe the islands change to the British Virgin Islands or Bermuda but at the end of the day, Chinese equities in their traditional sense do not exist. To go around the domestic rules in China, companies set up an equity interest scheme (or profit scheme) through which investors can partake in the success of a publicly listed Chinese company. Technically you can partake in the profits, but it's important to add that in the history of Chinese companies listed abroad, not a single firm has paid dividend interest to its shareholders. Moreover, the PRC could simply impose a rule that strategic assets are obliged to reinvest their profits instead of paying out profits, thus preventing a negative money outflow. Currently, there is no reason for the Chinese government to interfere in these practices as any IPO in the West just brings in billions of US Dollars for Chinese companies using shell setups in faraway islands. ## Friendly Advice I bought Alibaba shares because I believed in the business, the numbers, the growth rates. But I sold my shares because these companies were valued at similar rates to their Western counterparts, even though their share structure looked nothing alike. In my opinion, you carry all the risks whilst being subjected to three jurisdictions: the US, the Cayman Islands (or another island state), and China. The complicated setup of onshore and offshore companies also provides countless chances for accounting fraud, thus further reducing the reliability of Chinese corporations' balance sheets. It's virtually impossible to audit or verify their numbers. Alibaba is not worth its market cap. No Chinese company is. And not because their business is bad. It could even be excellent, but the issue lies in their structure, the accounting and the unknown political factor of the Chinese government. At any time the PRC can revoke the possibility that domestic corporations are allowed to engage in certain business practices such as using a variable interest structure. This would imply that, even if Alibaba is constantly growing, their numbers are valid, and investors are anxiously preparing to receive their first dividends, the PRC can just stop these payout, and no one could do anything about it. I am not condemning the Chinese government to keep such options in place nor am I shocked: The PRC is one of the most consistent governments in terms of reaching its objectives and “Serve the People”. Alibaba, Baidu, JD.com, and the likes are still able to raise foreign capital because foreign investors are willing to buy their so-called equities despite the rather shaky fundament they are built on. Stock markets, banks, and brokers are built to sell financial products and earn a commission, thus profiting from the practice. Still, if an investor believes that Chinese equities function the same way as American or European stocks, they are just wrong. My advice to you is to sell your Chinese shares and move on. There are better alternatives.

t3_txhoj6

investing

What will happen to the 30-year loan after the next rate hike?

So we've seen the 30-year fixed rate loan skyrocket 1.5% now since the rate hike. How will the next 0.25% rate hike effect the 30-year fixed rate loan? Will it increase by another 1.5% over the course of 3 to 4 months or will it increase at a slower rate or not at all? I know this is tied to the 10-year treasury note. What I'm confused on is how the Treasury note will affect the 30-year fixed rate loan during the next rate hike? EDIT: Seems like this question confused everyone. Of course if you have a current fixed rate loan the rate does not change. I am asking if the current interest rate will continue to rise.

t3_txgbgk

investing

CoinBase Is Stupid. Crypto currencies are stupid.

**I have no vendetta against anybody from CoinBase, nor do I hold any position in any company. I have been hearing about this crypto crap since 2016/17 when I was starting at grad school, but really didn't care much at that point. More recently, when I felt I had been a victim of some crypto fraud (i.e. my identity had been compromised), I decided to take this personally.**  I could really attack any company that has crypto roots, but since CoinBase is the "[Amazon](https://www.wallstreetoasis.com/company/amazon)" or "Uber" of its industry (that is to say the most recognizable name in the space), I am focusing my efforts on it. Again, I don't care if Jim Simmons has invested in the company or Warren Buffet did (though he hasn't), if it doesn't make any economic sense, it is not worth investing in.   1. Retail Users: Retail users are driving bulk of the activity here. 32% of the [trading](https://www.wallstreetoasis.com/finance-dictionary/trading-overview) volume is coming from them and it makes up 94% of the transaction revenue. Retail and institutional guys are lumped under "verified users", but their criteria for verified users is ridiculous (it is essentially anybody who has provided an email address or a phone number or some other information). It's really not that time-consuming to open an email account, and as they themselves state, they don't know how many "unique" verified users or MTU are on their platform. So for all you know, maybe 100 or 200 folks are driving bulk of the activity here, and they are clearly doing no due diligence checks to verify the identity/finances of the users. I don't know how are Robinhood's onboarding measures different, but Robinhood clearly asks for Social Security number (at least that's what I remember it asking for in 2016), and it seems the barriers to trading here are very low on CoinBase. Why this matters? Because it potentially opens them up to a bunch of lawsuits, which are already in the action and 2) they may potentially be overstating their key business metrics (not potentially, definitely)  2. Litigation: Company has 3/4 legal proceedings either going against it or has been threatened with. Truly an innovative and cutting-edge company to be dealing with litigation issues at the start of its public life. I can only imagine what other marvelous moments are ahead of it   3. Security: Clearly the company has not been paying much attention to the security hacks that happen on this platform otherwise they would have created a provision for them or had some sort of reserve to deal with these situations. For their crypto asset wallets, they state the risk of loss is remote. How do you reconcile this with the litigation proceedings that the company has going on? There is a disconnect here  4. Salaries: Maybe I am looking at the wrong place here, but I can't find the cash compensation of the management team, so I am assuming that the salaries they mention their are cash compensations. Brian Armstrong is getting paid $1 million in base, the salary of Zoom CEO (arguably a shitty company too but at least has a relevant use) is $300K. But what surprises me the most is that they don't have a chief security officer or anyone listed there on the management, and 2) the salary for chief legal officer (one of the more important guys in this business) is \~200K. I am not really factoring in stock options here or any of that stuff because I really think CoinBase is worthless and will be going down. I don't think Brian understands the risks inherent in this business or he would be paying his chief legal officer more here    5. Technology & Development: This is where I am assuming that security expenses are being included, but it's not abundantly clear to me. They say: "technology and development expenses include personnel-related expenses incurred in operating, maintaining, and enhancing our platform. These costs also include website hosting, infrastructure expenses, costs incurred in developing new products and services and the amortization of acquired developed technology". I don't think the company regards security of the platform vital enough otherwise they would be drawing more investor attention to it. 6. Valuation: Their valuation of their crypto assets is amusingly funny. I am not an accountant, but I find it ridiculous that they value the assets on their book based off the closing on the last day of the respective period. So where are you capturing the volatility in the crypto markets? Dumb. And. Wrong.   7. Disclosure: As I said before, their disclosure sucks. 31% of the assets on their platform are "other crypto assets" and make up 50% of their revenues. But no breakdown on these other assets. I don't know the difference between Bitcoin and Ethereum and Lithium and Sodium and Potassium (all the fucking elements of the Chemistry table), but some of you schmucks might know. However, for a company that is making 50% of its revenue from two assets (Bitcoin and Ethereum), it should talk about each in more detail and what separates them. Nothing. This revenue / asset concentration is nothing to write about.    8. Acquisition: OK I am not dissecting all the acquisitions they've made nor have I researched them. But in January 2022, they made an acquisition of 257 million of which 151 or something was in cash. Why pay in cash if you think think your stock is worth more? Dunno, doesn't make much sense to me.   \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* The fact that this asset class (Bitcoin/Ethereum) is at this price or that doesn't matter. Before you plow your money into this crap, ask yourself or whoever is asking you to invest in this crap, the following questions: **Valuation:** * How do you ascribe value to these crypto currencies (please help me understand the valuation employed and the assumptions that go into it)? * What is the difference between Bitcoin, Ethereum and Dogecoin? Why is one valued higher than the other? What is each bitcoin's competitive moat? * What investment time horizon do you recommend, and why? **Legal:** * How do you ensure that these currencies or the exchanges they're traded on are not immune to either security hacks or other kinds (by now, cases of multi-billion / million dollar hacks seem to be a common phenomenon), how does one ensure that this does not happen? * How do you suggest you do due diligence on the parties involved in these transactions, as they seem to be keen on remaining hidden from the public eye? **Commercial:** * How further long before all major central banks / governments around the world endorse Crypto as a part of their overall monetary policy framework? In a situation where it is not commonly accepted by all, what risks do you see playing out? * What reserve currency will these crypto assets be pegged to and why? If USD, why, as bulk of the activity seems to be concentrated in Asia here? * How do you differentiate between what is "fake" crypto currency and what is "real" crypto currency unlike the litmus test that exists for commodities (gold etc.)?   **Accounting / Taxation / Insurance:** * How does one ensure transparent and correct financial reporting of these crypto assets (in terms of accounting)? How should one be reporting the value of these crypto assets on one's tax returns? * What's right mark-to-market approach for these assets? **Others:** * How do you convince someone , who's not a sophisticated and / or an accredited investor, that investing in crypto assets is a better use of capital as opposed to investing in even more hard, tangible assets (real estate) or non-riskier (as well as non-volatile, and more transparent investment options: government bonds, [ETF](https://www.wallstreetoasis.com/finance-dictionary/what-is-an-exchange-traded-fund-ETF) / index funds)     * Why is there a need for crypto / bitcoins when the existing forms of payment (hard cash, soft cash) seem to be acceptable by most? I am really hoping that the answer to this question is not that a bunch of millennials / generation Z want to "own" something different, and so everyone jumped on the bandwagon to make that happen. I doubt you're going to get any seemingly intelligent answer to any of these, which does not make this worth your time/effort/investment. I don't know when will this dooms day arrive, but the price of this thing will soon be down going the gutter. \*\*\*\*\*\*\*\*\*\*\*\*\* PS -- I am not here to answer any questions for any of you, nor am I here to engage in any debate. I am just stating this as my opinion. You all can debate among each other. I don't have a position in this company nor have I ever.

t3_txdadf

investing

Broad question about companies with large balance sheets of one asset.

Poking around twitter I saw a recent tweet by Michael Saylor, CEO of MicroStrategy advertising how the company added another ~4k btc to their already humongous 130k btc balance sheet. It struck me that the price of the company is completely tied to the price of bitcoin, and any value their stated business of software or marketing or whatever would be completely negligible against the volatility of the asset on the balance sheet. What's going on here? Are there other companies that stockpile a single type of asset into their balance sheet and has its price dictated by that assets fluctuations? Is this some winkwink way to allow people to buy options against the price of bitcoin? Feels odd...

t3_txcwuv

investing

Curious on what you own !

started my Roth at 18 and I’m 20 now I own BND, VOO (majority) VTI and VXUS and just want a good amount of compound interest like everyone else 7% to 8% would be awesome but I’ve looked at my numbers and I know the markets been crazy lately but I’m only looking at a 2% return so I’m curious what you guys own ? Thanks !

t3_txbqg0

investing

Legitimate investing company

My wife and I are looking to invest some of our savings. After watching so many money scam shows on Netflix has increased my paranoia in trusting people, especially with our money. Is there any useful advice when researching a companies legitimacy? Such as looking up licenses or legal documents that provide assets the company claims to have. Any advice is welcome, thank you.

t3_tx7a4u

investing

Critical Analysis of Meta

I lead an investment club at my college where we analyze stocks and talk about principles of investing. This week we want to look at Meta. ~~There was a brief period on~~ [~~morningstar.com~~](https://morningstar.com) ~~where Meta was analyzed as being 50% of it's fair value, and then they looked at it again and now it's okay. Does anyone have an explanation for what happened? I understand that the company had earnings below what we were hoping for.~~ Edit: [Morningstar.com](https://Morningstar.com) currently has Meta listed as being 42% below fair value, which is just insane to me. My previous statement was not accurate. Do you think it's a buy in general? I'm pretty bullish on the Metaverse, because I've seen what vrchat can do, and the whole situation there reminds me of League of Legends taking over from DOTA. In that situation, Riot gaming basically took the model built by an entire network of community software developers, added their capital and profit motive, and created an extremely dominant and powerful game which has a Netflix series and professional and amateur e-sports teams across the globe. On top of that, we live in a post-covid and highly globalized world, where people are much more accepting of using digital interfaces, like zoom, to socialize. That being said, I have no idea what the competition looks, like and I don't have a very good read on the company in general.

t3_tx61y0

investing

Why I am long on coinbase

https://youtu.be/iZYozMeo7dQ But seriously, anyone have strong opinions on this stock? I am currently long on it as I think they should have low operating fees in the future and I believe crypto will continue to grow. However, it does seem to be an easy market to get into for competition which is one concern I have. Appreciate the comments.

t3_tx5j29

investing

Is investing in ETF/ Index funds really worth it for the long term?

I’m 24 and live with my parents, and I’m in a good spot financially. No debt, and great at saving money. I have been hesitant to invest in an ETF/ Index funds for one main reason. Let’s say I’m to invest 100 dollars a day into funds such as VOO, VTI, or FXIAX. Essentially in roughly 27-30 years I would have invested enough money to average 100 dollars a day in passive income. My math is more than likely wrong, but I’m just using it as an example. So 100 dollars a day sounds great as passive income, but what will 3,000 dollars a month get me 30 years from now? Inflation will continue to grow, and what will become of my investment? Please correct me if I’m wrong, as I’m still learning about the stock market. To me it just feels a little bit pointless to invest so much, and end up getting very little in the future. It’s obviously better than letting it sit in the bank and depreciate value, but would it just be better to save my money and pursue real estate? Sorry if I don’t know what I’m talking about. I just want to get some input, and thoughts of others before I invest money.

t3_tx4a9o

investing

When do I stop DCA into VTI

Hi all, My question is when do I stop dollar cost averaging into VTI? Currently am investing $20 daily into VTI which just seems to bring my average cost up. When is it smart to stop? What kind of strategies do you impose? Everyone seems to enjoy this strategy of dollar cost averaging into an index fund but I’m confused as to how it can bring me large returns if it just brings my average cost higher and higher?

t3_tx3i47