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investing

What is up with the volume on the DJT

I’m looking at my stock app, and the DJT, tracker for the Dow Jones transportation average is currently down almost 3%. What’s really interesting though is that the volume is significantly higher than the average. Average volume is roughly 1.275 million and the volume today is over 90 million. I’ve read that the freight transportation sector has been found to be a reliable leading economic indicator. The Dow Transports was down 5% last Friday (One of its worst daily losses in history). A study conducted by the Bureau of Transportation Statistics within the US Department of Transportation report that the Bureau’s Freight Transportation Services Index leads slowdowns in the economy by an average of 4 months. The FSI is only reported monthly, but it is highly correlated to the Dow Jones Transportation Index. Does anyone know what’s happening today in the DJT? It’s interesting that we’ve still been having significant swings up against a backdrop of broad declines in the transportation sector. Is this just a return to normalcy after huge run-ups post-Covid?

t3_tx3f80

investing

Investing in india's growth?

Hi there I have been searching extensively for ways to invest in India's economic growth. I researched all the ETFs, actively managed, passively managed, CEFs, Emerging market ETFs, all of them. However, none of them were a match for me, as most of them seem to have been trading sideways for decades and India's market PE ratio is also indication some overvaluation. After being stuck in this paradox for weeks, I have stumbled upon india's largest bank: HDFC bank. It has a pretty smooth upward trend and good fundamentals on paper. I would like to hear your opinions on this bank, is it a good long term bet on India's economy? Do you guys know of a better way to invest in India's growth? Thanks.

t3_tx13k0

investing

Take a look at HIVE, seems undervalued, doesn't it?

Current price in USD **$2**HIVE is a cryptocurrency mining company listed in the NASDAQ. 1 week RSI(43), 1 day RSI(49), 1 hour RSI(34), 5min RSI(43), 1min RSI(9) (values in CAD) Revenue 89 million Net Income 56 million Free Cash Flow 13 million Cash 50 million Equity 169 million Return on Assets **42%** Return on Equity **56%** Return on Capital **34%** Shares Outstanding 409 million Volume 4.38 million

t3_twzgkr

investing

Labor shortage (Boomers retiring) and how it will affect future investments? +Supply chain +Inflation

To me the biggest effect of the pandemic is just how many boomers decided to retire and how it’s affecting labor shortage. Almost no one wants to take a low wage job since they can work anywhere and can choose. Articles claiming trucking companies have a shortage of truck drivers while other articles point to facts about no labor shortage just truckers have their own company/self employed to get better paid. And I’ve seen posts in job boards for small business owners looking to hire where people respond saying the wages they want to pay is the same as fast food restaurants. Which of course they’ve had to raised because no one wanted to work there for such low pay. All that and more seems to be one main issue that now every workers wants to get paid twice as much as before for almost any job. So because so many boomers retired and left a bigger supply of all types of jobs, income will raise a lot. Which companies will pass the increases to consumers. Which will then want to get better paid… and keep going on unevenly for a while. And then we have all the stimulus and the fed ok with low interest rates and a soft landing (or just slow to react). So tons of cash=inflation. And then the more surprising things (or not so much looking back) of supply chain shocks because now people are going back to work, factories at full capacity, restaurants back again, etc. I feel this labor shortage for low wage jobs is the real kicker. It’s pushing all sort wages up and adding to inflation. I think maybe a lot of small business will have to close in masses they can’t pay corporate level price increases. What do you see happening? What would be a good investment in this scenario with the labor demographic change?

t3_twyyg5

investing

How can compound interest be used with index funds?

I understand how with dividend stock you can reinvest your earnings, thus starting the process of compounding, but how does one achieve this with index funds? I keep hearing about it, but I can't grasp the idea of how this is possible. If I buy one VOO share, then after 10 years, I still only have that 1 VOO share. Yes, it would grow in value with lets say 10% yearly, but with what earnings could I compound my share? Example: Let’s look at an index fund for which you paid $10,000, assuming it earns 10% per year: * Year 0: $10,000 * End of Year 1: $10,000 + (10% x $10,000) = $11,000 * End of Year 2: $11,000 + (10% x $11,000) = $12,100 Source: [https://www.quora.com/Is-it-possible-to-compound-an-investment-in-an-index-fund](https://www.quora.com/Is-it-possible-to-compound-an-investment-in-an-index-fund) What does the index fund "earn" that can be reinvested? I hope I have asked my question clearly enough. What am I missing? Thanks in advance!

t3_twxm95

investing

How do I do financial projections for DCF?

hi, I've recently been picking up the basics of DCF as a way to value stocks and I'm clear on the details that go into the model. A big part of the model comes from the assumptions in revenue / expenses / earnings projections into the future. What can I do to get better at making rational financial projections? Also, where can i get more details about analyst financial projections into the future (and even their reasoning behind these numbers if possible?) ​ Thanks!

t3_twvtd0

investing

Business cycle leading indicators?

Hi guys, Anyone ever come across a whitepaper or research on leading indicators for the business cycle and how predictive they've been over time? You always hear about the inversion of the yield curve as one major indicator and then there are a million different interpretations of other factors that you'll hear from talking heads on TV. Wondering if anyone's come across anything else that's been useful? Doesn't have to be a white paper, would be happy to hear people's thoughts on other things they watch and any data to support.

t3_twuqsn

investing

The FCC has authorized Amazon's "Project Kuiper", or broadband-satellite internet unit to deploy 3,2336 satellites over a five-year stretch. 50% must be operational by July 2026 or else Amazon could lose rights.

[Amazon to Spend Billions on Space Launches as SpaceX Ramps Up Satellite-Internet Service](https://www.wsj.com/articles/amazon-to-spend-billions-on-space-launches-as-spacex-ramps-up-satellite-internet-service-11649156400?mod=hp_lead_pos2) – *The Wall Street Journal* * Blue Origin (Bezos' company) to conduct 12-27 launches * United Launch Alliance ([Boeing [$BA]](https://finance.yahoo.com/quote/BA?p=BA&.tsrc=fin-srch) & [Lockheed Martin [$LMT]](https://finance.yahoo.com/quote/LMT?p=LMT&.tsrc=fin-srch)) to conduct 38 launches * Arianespace SAS (French) to conduct 18 [Amazon [$AMZN]](https://finance.yahoo.com/quote/AMZN?p=AMZN&.tsrc=fin-srch) doesn't seem to be up on the news, priced in? This seems pretty massive and expensive, but few companies besides Amazon could pull this off. I find it interesting that Blue Origin is performing fewer launches than some competitors. I wonder if this is to avoid FCC or other agency criticism for self-dealing or anticompetitive behavior (though this is probably legal). It may just be that Bezos hasn't developed Blue Origin as much as I'd thought.

t3_twuqe6

investing

[Twitter CEO Parag Agrawal] I’m excited to share that we’re appointing @elonmusk to our board!

Full tweet is "I’m excited to share that we’re appointing @elonmusk to our board! Through conversations with Elon in recent weeks, it became clear to us that he would bring great value to our Board." He goes on to say. "He’s both a passionate believer and intense critic of the service which is exactly what we need on @Twitter, and in the boardroom, to make us stronger in the long-term. Welcome Elon!" [Here is a link to the tweet.](https://twitter.com/paraga/status/1511320953598357505?s=21&t=5xpJeKF-FsakkYSPvLeaNg) Musk tweets, "Looking forward to working with Parag & Twitter board to make significant improvements to Twitter in coming months!" [If you missed it.](https://reddit.com/r/stocks/comments/tvyoxd/elon_musk_takes_92_passive_stake_in_twitter/) Yesterday It was announced of Musk taking a large stake in Twitter. How does everyone feel about this?

t3_twudj4

investing

Historical accuracy of the big name banks - is there a resource

I keep seeing all the big banks commenting one way or another about a market crash, or rally... and there's always another contradicting comment somewhere... so I was wondering if anyone knows of a resource that tracks this sort of thing... so you can look back at previous volatile times and see which got it right more or less of the time... Right now for example: Morgan Stanley - Bear market rally is setting stage for a correction JPMorgan - S&P 500 Will Stall, Then Rise to New Rally Highs

t3_twuarq

investing

Why is borrowing to invest frowned upon?

I get it, but I don’t. People take out $50k loans to purchase a vehicle like it’s no big deal. If you took out that same amount to put in the stock market people would think you’re insane. Like a vehicle will most certainly lose value, while a stock has at least a chance to go up in value while also potentially paying you a dividend. What am I missing? EDITS - 1. Thank you all for the good discussion. For the record, I do not use margin in my personal investing adventures. 2. I agree, taking out a loan of $50k for a care seems insane.

t3_twtlxv

investing

Taking out a personal loan to invest into S&P 500

​ Hello everyone, I have a serious question, someone from my bank contacted me about personal loans and they're giving them out at 6.5% Interest, for the sake of the question lets assume I take out a 20k loan at 6.5% for 5 years, the repayment amount works up to 23,514 including bank commissions. Is it logical to take this 20k, invest it into S&P 500 for the 5 years? Assuming at 10% growth rate i'll have around 32k by the end of the 5 years with a profit of around 10k. Do people actually do this? What are the downsides of a strategy like this? Other than the collapse of the stock market.

t3_twrc49

investing

Investing tool with some requirements

Hello dear community, maybe someone could recommend me a investing tool, that list stocks and especially Investment fonds, which shows: - all investing fonds which are allowed in Europe/ Germany - rank them and give a ranking at least for the last 10 years - compare/plot two or more charts Open source is always welcomed, but I doubt there won’t be any. Anyway the price isn’t that important. A nice gui would be good as well. Hope someone can help me. Thanks in advance!

t3_twqtc2

investing

Daily General Discussion and Advice Thread - April 05, 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_twqlqo

investing

Discrepancies between YTD performances

Is YTD performance from Jan 3rd? Or from Dec 31st? Google stock chart for TSLA says YTD performance is -4.53% Schwab says TSLA has a positive YTD performance of 8.39%. The only way to get that metric it seems if you go from Dec 31st. Why the discrepancy?

t3_twmjhj

investing

is this a bear case for oil.

Russia is offering India Ural grade oil at $35 per barrel and it's unlikely that the US will be able to sanction India for buying Russian oil if it can't prevent Europe from buy Russian gas. India is one of the world's largest importers of oil. It produces less than 20% of the oil it consumes and last year imported just 2% from Russia. In 2021, the US was among it's biggest suppliers. With Brent at $100+ in 2022, it seems like a no brianer to me that India will increase it's consumption of $30 Ural oil while reducing it's purchases of Brent. At 4.5 million barrels a day, if India substitutes just 10% of their consumption of Brent with Ural that would add half a million barrels of oil back in the western markets. Expanding the case to China which imports 7.5 million barrels of oil mainly from The Saudis and Russia. Again at $35 it would be unlikely that China won't substitute Arab Light with Ural. Again as a base case China taking in additional 10% would put 750k barrels of OPEC oil back on the market. On a high level, I see one clear difference between the gas crisis of the 70s and vs today. There isn't actually a lack of oil. The supply chain issue combined with sanctions has created an inefficiently in the market but this will eventually even out as state actors with leverage take advantage of the arb. Tell me why I'm wrong

t3_twl8fa

investing

My business is thriving and I need to start investing. How should I diversify?

My business is doing very well. Last year we grossed $760k and after expenses kept $500k. Deducting taxes and contributing to a SEP IRA ($53k) I will be left with around $350k. We have recently hired a financial advisor who will manage the SEP and other money we will give him. We are already involved with real estate investments and would like to know how else could we diversify outside of the money market with the financial advisor. What do you suggest? I am 33 and my risk tolerance is pretty high. Our overall monthly expenses equal $3500. Thank you in advance.

t3_twl525

investing

After seeing Dark Waters would you invest in DuPont?

“DuPont started conducting cancer studies in 1988. The company’s own studies showed that exposure to C8 killed rats, dogs and monkeys, by causing testicular cancer, liver disease and pancreatic disease. Not only did DuPont continue to manufacture Teflon, but it also continued to dump the chemical into waterways.” They still make this shit to this day and it’s despicable. First paragraph Info is from: https://www.organicconsumers.org/blog/devil-we-know-how-dupont-poisoned-world-teflon

t3_twk20t

investing

Are school stock competitions good for teaching kids and teenagers about stocks?

After seeing another post about a school stock competition, it reminded me of the "feud" on whether YouTuber boxing is good for the sport. On one hand, introducing kids to finance and stocks is good because it (hopefully) destigmatize fears and misconceptions about the stock market. This could lead to better financial literacy and independence in the future. On the other hand, however, it may encourage risky plays over slow and steady in order to "win" the competition (I.E most money after a year/semester = win). If a random kid throws the fake money into a random penny stock that 10x it must be super easy in real life to make money right? What do you guys think, is this all in my head?

t3_twi7wy

investing

Hertz to buy up to 65,000 electric vehicles from Polestar

WASHINGTON (Reuters) -Rental car firm Hertz Global Holdings said on Monday it would buy up to 65,000 electric vehicles over five years from Swedish EV maker Polestar, the latest move by the rental car firm to add zero-emission models. Hertz said Polestar cars would be available beginning this spring in Europe and later in 2022 in North America and Australia. The Florida-based rental car company said that it would initially order the Polestar 2 sedan. Hertz shares were up 1.75% in premarket trading Monday. Hertz in October announced its order to purchase 100,000 electric cars from Tesla Inc, primarily the EV maker's Model 3. In March, Hertz added Tesla's mid-size SUV Model Y to its electric vehicle fleet, according to the car rental firm's website. Polestar, which was founded by China's Geely and Volvo Cars, is set to merge with special purpose acquisition company: Gores Guggenheim Inc, this year. The Hertz partnership "will bring the amazing experience of driving an electric car to a wider audience, satisfying a broad variety of our mutual customers' short- and longer-term mobility requirements," Polestar CEO Thomas Ingenlath said in a statement. [Source](https://finance.yahoo.com/news/hertz-add-65-000-polestar-115358883.html) -Hertz is up +10,70% on this news today, and Polestar($GGPI) is up +11,87% today.

t3_twhu4v

investing

If Roth contributions can be accessed anytime, why should I as a 20-year-old invest in taxable account?

Hello, so lately, I've been thinking of liquidating my regular taxable account and putting all my money from now in a roth account. My reasonings are: 1. dividend and profit are not taxed at all, so I don't have to worry about selling or accruing dividends (without withdrawing, of course) 2. contributions can be accessed anytime, so if I need emergency funding, I will still have penalty free access. Am I thinking this, right? I treat my investment money as a retirement or future income anyway and don't have any intention in accessing them as I keep a separate emergency fund savings account. Is there any benefit I'm not thinking regarding a taxable account aside from I can liquidate and withdraw my whole portfolio anytime?

t3_twhh3d

investing

publicly available info on Elon Musk's stock purchases

What publicly available info is out there to see when Musk purchase significant stakes in public companies? I know there are the SC 13G / 13D forms that report when someone takes a 5% or greater ownership % in a company. Are there other forms or publicly available info people look at? Basically, trying to see if there is something I can track to capitalize next time Musk invests big in a company. Right now my thought is a simple bot that alerts me next time there is a SC 13G form filed for Musk, but wondering if there is a better source for that info.

t3_twgnbv

investing

$GT Goodyear Tire needs to turn on its dividend again…

With the addition of Cooper Tire and it’s robust EPS, Goodyear needs to turn on the dividend again, even in a small way. It seems as if Goodyear’s management is too hyper focused on paying down its debt, which is good in the long run, but isn’t that great in the short term. A balanced approach of both short and long term, would better maximize shareholder value. Either way, look for a robust revenue and earnings beat later this month. $GT should be $20, not $14.

t3_twdmf5

investing

Risk involved with investing in CFD.

Im really interested in investing, currently I'm looking for brokers in Poland, and I have some questions about CFD which are hard to find on web. So I know a little about it but I don't really know what risk is there, because it's a contract, you don't own any shares So my question is if CFD works like: U buy 100$ long position contract (if it goes up you earn if it goes down you lose.) then what happens when it goes down to - number for example - 200$ is your balance on minus, and you can continue waiting or is your balance on minus and you automaticly lose the money? what happens

t3_twb1ak

investing

vanEck analysis: Gold & BTC potentially undervalued dramatically

Came accross this article of vanEck, performing analysis on Gold and BTC as reserve assets. [https://www.vaneck.com/us/en/blogs/emerging-markets-bonds/how-one-bond-manager-values-gold-and-bitcoin/](https://www.vaneck.com/us/en/blogs/emerging-markets-bonds/how-one-bond-manager-values-gold-and-bitcoin/) The analysis suggests that gold is heavily undervalued if it were to become the main reserve asset. Central banks hold relatively little gold, which means they would have to buy massive amounts of gold to back/stabilize their currency in case of a financial crisis. They made a similar analysis for BTC. However, I think the analysis for gold is more realistic as I am not so sure countries will massively start adopting BTC right now. Even if the price of gold and BTC reach 10% of the mentioned targets, they would turn a nice profit. Do you invest in gold/BTC or you stick with fiat money for your holdings?

t3_twa5wj

investing

What's a good (slim) intro book or website on corporate law?

What's a good (slim) intro book or website on corporate law? Most stock owners don't really seem to have any idea of what rights they have as a stock owner, and what rules the corporation is governed by. I find this troublesome since if you don't understand your rights as a shareholders, you're likely just looking at the market as a casino. On the other hand I don't want to read some voluminous book on corporate law. Is there a nice intro on the subject?

t3_tw7tnz

investing

Should I rebalance my account and sell Energy ETFs

About a year ago I sold ARKK (at a sizeable profit) and diversified into an energy ETF (FENY - FIDELITY MSCI ENERGY INDEX ETF ) and some commodities. The commodities have been a mixed bag but FENY did really well - about 51% increase including dividend reinvestments. With value stocks starting to have a rebirth, and energy now reaching levels not seen for 3 years, is this a good time to take some profit and re-invest in growth stocks, or just stay put and reap the dividend reinvestments? Just wondering what the general thought is on energy stocks/ETFs right now.

t3_tw6c5i

investing

If you are up %50-90% on all your investments, what is the next move??

I am currently up %50 to %90 on all my investments. I wait during the week and buy the dip on ZSP and XEQT on the tsx ( I buy 1-2 a week of each no matter what ) but what is the next move? Since alot of stocks are near all time high and I am up on all of my stocks and don't want to buy more as they are near a all time high also, and it will ruin my cost average. I have cash sitting in my portfolio doing nothing. what is the next move? what would you guys do? ​ AQN + 66% BMO + 94% ENB + 77% FTS + 66% MFC + 52% REI +70% T + 55% Apple + 34% ZSP and XEQT only up about 15% but i buy these no matter what during the week, they account for 30% of my total portfolio

t3_tw52ai

investing

Is there a way to indirectly invest in Airbnb properties through a fund?

Would like to allocate a portion of my portfolio to short term rentals/airbnbs but wondering if there may be a fund to do this indirectly vs directly buying and managing the properties - like a REIT. Have done some googling but haven’t found anything. Appreciate any insights. Thanks!

t3_tw4knt

investing

Am I too Conservative with my portfolio?

Hi everyone, I'm 21 just started a new job and finished my emergency fund and maxed out my Roth IRA for this year. My newest long term goal is to buy a house in about 8-10 years. My current investment portfolio is QQQ (50%) VOO(25%) BERK.B (25%) in my brokerage fund/ house fund. For some reference I basically only hold VOO in my ROTH IRA, and have maxed it out both this year and last year. I feel that the returns are good but not and good as QQQ. Not really looking for dividends just growth. How does this portfolio look for the the next 8-10 years.

t3_tw4379

investing

Business model of Motley Fool premium and similar services?

I do not get Motley Fool's premium service. What keeps people from posting Fool's stock recommendations on their blogs, podcasts or here on Reddit? Obviously, customers cannot literally copy/paste the recommendations, but they could simply post many of the recommendations here without stating it is from Fool. Why does Fool have 1 million paying customers?

t3_tw41xe

investing

Does having a LISA impact buying property through a Ltd?

Okay, so a little context - I recently set-up a LISA which provided a government surplus so long as the savings are used exclusively for the purchase of a first home under a residential mortgage. What I am wondering however, is whether this would become void in any way if I chose to buy property through a limited company. My feeling is it wouldn’t, since they are both distinct legal entities, but I just wanted to get some feedback. Kind Regards, Daisy

t3_tw3cnf

investing

CAGR calculation basic question

Hi all, Silly question for a lot of you I'm sure but for a long time I've been calculating CAGR, on a period from say March 2013 to March 2022 (10-years worth of data), with 10 being the number of years in the calculation. However, recently I picked up a copy of Phil Town's Rule 1 and Payback Time and it wasn't quite adding up. Then I read where he says that he subtracts 1 from the 10 years, so instead of the numbers of years in the calculation being 10 it would be 9. I also found it in his PDF here: [https://www.ruleoneinvesting.com/ExcelFormulas.pdf](https://www.ruleoneinvesting.com/ExcelFormulas.pdf) ​ >*"If we have a 10-year average growth rate, then you add up the number of years worth of data you have (10) then subtract 1. This means you would put a 9 in the nper section..."* ​ Does that sound right to you all? Have I been doing it wrong all this time?

t3_tw38wl

investing

Cash Alternatives in a Cash heavy portfolio

I've created a chart that (I think) shows the relative purchasing power of US Dollars, Gold, and shares of STIP. I have a large cash allocation because much of my portfolio is leveraged. I'm trying to decide if some or all of my cash position should be in STIP shares. Obviously there's interest rate risk, but since that mostly seems linked to the Fed fighting higher than expected inflation, I'm having trouble deciding how much of an issue that is. [https://www.tradingview.com/x/p39KkXkX/](https://www.tradingview.com/x/p39KkXkX/)

t3_tw1i2i

investing

FNGS - up 5% pm. FNGU - up only 3.5%. FNGU is literally just FNGS but triple leveraged. What's going on here?

It's not like the price hasn't had time to catch up or anything. It's been like this for like an hour or 2 and I can't figure out why. It should be around 15%, shouldn't it?? I bought this as a x5 leverage CFD on Friday, so I'm hitting my head against the wall here wondering what on earth I got wrong about it.

t3_tw11fe

investing

Market Out-Performers in the 1970's

As per the title, wondering if anyone can list some companies/industries that out-performed during the 1970's? Many people suggest we're seeing a parallel in today's economy to that of the 1970's stagflation period. In this case, industries that performed well during this time may surely perform well today. Appreciate any answers. Thanks,

t3_tw0m41

investing

Twitter is up 26% pre-market as Elon Musk reveals a 9.2% stake in the company (now the largest shareholder of Twitter)

Per Bloomberg data, Musk’s 9.2 per cent Twitter stake would make him the largest shareholder in the company. Notably it’s more than quadruple the 2.25 per cent position of founder Jack Dorsey. At pixel time, Twitter’s stock is up 25 per cent in pre-market trading to $49.09. [https://www.ft.com/content/29b9c884-02d7-4d1c-a4ab-c862242fa76e](https://www.ft.com/content/29b9c884-02d7-4d1c-a4ab-c862242fa76e)

t3_tvyx7l

investing

Advice for Euro invester, what to do with cash?

So after a long time I have no idea what to do, here is a bit summary of past months on my side: After extraordinary military buildup around Ukraine borders, I was kind of sure Russia will invade it unlike doubters, so I invested accordingly (oil and grain, basically commodities that Russia and Ukraine produce most), then when invasion started I cashed in and started to collect Euro shares that lost quite a bit value. Now I am cashing them in gradually since peace talks in Turkey they are gaining quite a bit value. So now I ended up with with some cash in my hand and I don't want to keep it as Euro, because ECB looks like very slow reacting to inflation, so every cash you hold will lose value surely and believe me I know Europe, they will think 10 times before moving a finger against CPI then they will be late as usual. I don't want to re-invest in stocks, they are likely perform similar to inflation at this point and I don't have too much trust in myself about finding an outperforming individual stock, so what to do, is there really a good alternative, may be I should buy some real estates (joking)? I have access to US and Euro markets due to some work restrictions, so my opportunities are limited with those. So what's the best idea, when you don't know what to do with cash?

t3_tvy3hb

investing

Daily General Discussion and Advice Thread - April 04, 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_tvxek1

investing

Everyone talks about the “strong job growth numbers” but hasn’t gig-work made those numbers impossible to calculate?

I’m talking about people that do Uber, Lyft, Doordash, Postmates, Ebay, Amazon, Etsy, etc. Let’s say someone gets a full time job at Walmart and also starts doordash on the weekends and sells random things on eBay. Does the government calculate that 3 jobs were “created” that month? Is there a minimum someone has to make at a gig-job for it to be calculated as a job?

t3_tvude8

investing

Invest in real estate in form of funds on the exchange

Hi, I am looking to invest in real estate in the form of funds on the exchange. (Not buy physical property) I have heard REITs are a good way to invest in real estate. Are there any good ones out there? Or any funds which tracks these together? Any help is appreciated. Thanks,

t3_tvu3g4

investing

Pimco MINT etf alternatives

Mint pimco etf has been loosing a lot. Inflation is probably the reason. I have been holding it for a while, but not sure if I should continue holding it given the current trend. What are the alternatives, do you think it is going to go down further https://finance.yahoo.com/quote/mint/

t3_tvt1oq

investing

Buy high yield Emerging Market country bond and hedge back to USD?? Is it possible?

In today crazy high Market. It is better to buy fixed income rather than Overvalued stock. I have Idea. Just buy any high yield Emerging Market country bond and Hedge back using USD. Like Brazil Government Bond yield 11.0200%. If I buy one and Hedge back to USD. By doing this you get 11.0200% minus whatever the hedging fee/commission .Keep in mind that you get this Return on USD. Is it possible? Or Am I missing something?. How to do this? Is any bank or financial Institute provide this type of service? or Even Is it good Idea??? ​ As A bond investor do you try this type of setup? Can you put some light on this Idea? Possibility ? which Banks??? Thanks

t3_tvrarl

investing

Changing company’s and need info !

I started a Roth IRA when I was 18 and I’m 20 now and I’m looking to move from the company vanguard to M1 Finace because I don’t like Vanguards interface and find it hard to actually keep track of performance and looking for something more user friendly like M1 (that I use already) and looking for advice on how I can do that or if it’s even possible thank you in advance !

t3_tvqqwn

investing

Would you invest money earmarked for a rental property into ETF's (VTI, VXUS, BND — 50/35/15 allocation) right now?

I have some capital saved up and can just feel my savings evaporate in the midst of inflation and waiting for a cash flowing property. I can see myself buying in 2-5 years time, perhaps sooner. With that timeframe in mind, would you put that money into ETF's right now? Curious to get folks' thoughts on whether there's a 'min' investment horizon before it generally starts turning into a bad idea to invest downpayment money into stocks. My biggest fear is needing to sell in a downturn to finance the house and getting less than what I've put in. Thank you all for the input. Feel free to trash on my allocations as well!

t3_tvprpq

investing

The 2Y/30Y Yield curve is Inverted

At the time of this writing, the 2y/30y yield is inverted (1-2 basis points). Source: [https://www.cnbc.com/quotes/30Y2YS](https://www.cnbc.com/quotes/30Y2YS) It's historically rare and usually happens near the end of a rate hike cycle by the Fed. I know it's preceded some significant contractions in the economy, but the inversion near the start of the rate hike cycle makes it a little more concerning. Just feels like the next 12-18 months is going to be volatile.

t3_tvpf7l

investing

Investing account under my mom's name or brothers?

I've been having trouble deciding whether or not to open a long-term investing account for my younger brother (minor) under his name or my mom's name? The reason I bring my mom into this is that I don't want my younger brother's FAFSA to be affected when it comes time for him to go to college. Which will then lead to whatever college he would like to attend to fork over his invested money/pull out loans. My mom does not work and the money would be used later for my brother to do what he would like when he becomes of legal age. (Hopefully continues to invest, buys a property, etc) Are there any drawbacks to worry about? Any information that I should be aware of?

t3_tvnoy3

investing

Who’s adding to their Tesla portfolio before the split?

(Reuters) - Tesla Inc on Saturday reported record electric vehicle deliveries for the first quarter, driven by a ramp up in production at its Shanghai factory. Tesla delivered 310,048 vehicles in the quarter, while Wall Street had expected deliveries of 308,836 cars, according to Refinitiv data. Tesla said it sold a total of 295,324 Model 3 sedans and Model Y sport utility vehicles. It delivered 14,724 Model S luxury sedans and Model X premium SUVs, up from 11,750 in the fourth quarter of 2021. Analysts expected Tesla to deliver 15,066 Model S and Model X cars and 280,000 Model 3 and Model Y vehicles.

t3_tvnl5b

investing

Retirement investing for a parent

I have opened my mom’s eyes to the predatory fees and tactics of Edward Jones and she will be transferring to Fidelity. I feel comfortable making my own investment decisions for myself, but I’m not a financial professional and don’t know much about asset allocation for a retired person. Here’s her portfolio: 500k AAPL, 75k KO and 500k variety of expensive EJ proprietary mutual funds. I don’t think she should touch the apple or coke due to high cap gains and I think they’re great stocks…but the mutual funds will all need to be sold before transferring. What to do with 500k to produce most income and limit overlap with her other 2 biggest positions? Thank you for any insights

t3_tvmxdv

investing

Shares of American Funds target date for simple Ira being bought at higher than market price

Why is the guy who manages my simple Ira buying shares of American funds target date fund at a higher price than its currently being traded at? Is there a reason/strategy for this? Every statement shows shares being bought at a higher price than the market price

t3_tvm7fp

investing

Leave my Funds in Traditional EJ Advisor Account vs Move to Robo Advisor?

Greetings Friends. I am in need of advice on what my best course of action is here. I have an Edward Jones account that had been created by a relative when I was a child. She invested in it regularly as Christmas and birthday gifts for years while I was growing up. She passed away a few years ago, and I am now graduating from college and beginning my career. I have not done anything with the account since she passed, and to be frank, neither has the advisor managing it. I have between 5-10k in the account, so I understand that it is not a large priority for the advisor. I am wondering if I am better off liquidating that account and reinvesting that money into either a Vanguard Digital Advisor or Schwab Robo Advisor that will have lower fees, a more diverse portfolio, and be more actively managed. I am looking for long term growth with a moderate to high risk. Thanks

t3_tvm4dc

investing

Best method to invest in gold?

Hi, Is there a safe and diversified way to invest in gold? Like an index fund tracking the s&p500 is a nice way to invest in the entire market, is there something comparable for gold? I have heard of golf ETF like GLD, is there a different and or better way than that? Thanks.

t3_tvlwat

investing

Regular Account to Retirement Account Wash Sale

Hi, As far as I understand, when you sell a security at a loss and buy it back within 30 days you can not count the loss on taxes for that year, but have to wait until next year. A way that brokers 'balance the books' (I use Merrill Edge) is by increasing the cost basis of the repurchased share by the loss amount. If I were to sell my shares at a loss and repurchase them in my Roth IRA account I will also incur a wash sale penalty, but how will the loss be accounted for if the shares are in my retirement account, and thus their cost basis does not matter for taxing purposes?

t3_tvhoot

investing

ETF's long term investment for early retirement

Hi! We're both 30 and are looking at what to invest in to start an early retirement account and a safe 15-20 year investment for a child. We already max out 401k and IRA so now looking at taxable brokerage for retirement at 3k monthly contribution. We have a child due this year that we'd like to start at 500/monthly contribution as an idea they can use this for a down-payment. We will also be starting a college fund. We have some riskier investments from college that have done well and we haven't touched so I'm looking for both of these to be more stable. We have about 70k in variable tech like AMD, AAPL, NVDA, OLED etc. Some people have recommended slowly moving this into other funds- we have held for more than a year. But I'm not sure that'd be worth the capital gains to do vs just sell when we want the money out? For long term we have about 20k in SCHB but my plan is to do the following for early retirement: 70% SCHB 20% SCHF 5% SCHC 5% SCHE For child I have no idea so I'd appreciate some help in that one. Thank you! EDITED To add: Brokerage is through Schwab. I think I can also buy vanguard there with no fees but they seemed to preform similarly so I was planning to stick with just schwab based. If i am wrong on this please let me know!

t3_tvhk5d

investing

Deferred Loss and Adjusted Cost Basis - an example. Can someone help me understand

from https://www.thebalance.com/wash-sale-rule-3192972 >The amount of an investor's loss is added to the cost basis of the replacement investment when the wash sale rule is triggered. This defers the loss until a later date when the replacement investment is eventually sold off. >You sold 50 shares of XYZ stock for $5 per share for $250 total on July 31, incurring a $250 loss, then you purchased 50 shares of XYZ stock on August 15 for $6 per share, or $300 total. August 15 is within the 61-day wash sale period, so your $250 loss on July 31 was a wash sale, and your loss is added to the cost basis of your new investment. Question 1: Why does it say 61-day wash sale period? I thought it was 31-day. >Your adjusted basis in the replacement shares is now $550—$300 from your August 15 purchase combined with your $250 loss from the July 31 sale. Your loss is a "wash" in this scenario, just as though you had held your original shares without selling. Question 2: $550 is the new cost basis. Is this $550 figure derived by adding your wash disallow amount ($250 in losses) + $300 (purchase price) = $550 cost basis? >The tax benefit of your capital loss isn't gone forever, but it's deferred. The loss on the original investment will be taken into account when you sell your replacement shares by applying the losses to your adjusted cost basis. If you go to sell your 50 shares at $600 total, then you made a capital gain of $50, correct? ($600 - $550 (adjusted cost)) = $50. Seems fine so far. After you sell the shares, suppose you buy it back within 31 days at $500 again, hoping to sell it at $600. This repurchase won't trigger a wash sale because there were no capital losses at the time of purchase at $500 again. Is this correct?

t3_tvhjxf

investing

Confusion Determining Book Value

Good Sunday. I'm finishing this lecture demonstrated by Professor James Webb while taking notes on it. And right up to the very end I understood for the most part before being caught up in confusion. [Breakdown of Ratios](https://youtu.be/Jkse-Wafe9U) Around 53:00 into that link. Starts a minute prior but this question is covered regardless around 53 minutes. Professor Webb and a student of his agree that the Book Value = **Total Equity** divided by shares outstanding. (His specific words are "by the number of shares" which I'm assuming means shares outstanding given the complete lecture) The issue is when I fact check (I check what I'm learning as I go along) through web search for Book Value. I get Book Value = Total Assets divided by shares. Two different equations. I've even seen someone answer **CURRENT** Assets divided by shares. I'm hoping the more experienced here can provide insight on this one. ​ EDIT: Also for about 4 ratios prior to the aforementioned they begin using BOTH current year & previous year to determine them. It just seems so off and out of the blue for me. Could yall take a spin at this one for me too.

t3_tvepbd

investing

how do ETFs choose their allocation percentage?

My biggest problem with ETFs is that they tend to be too diverse. I want exposure to a sector... But, i don't want 25+ companies. I just to mimic a passive ETF's to 5 or 10 holdings. That got me to thinking: how do they determine 4% to this company, 2.8% to that company, etc? I'm not interested in any "you aren't as smart as them" comments. I'm still trying to figure out an investing style that works for me, so even if you think its a dumb idea, I'd be interested in understanding how passive ETF indexing works.

t3_tvelt4

investing

Why is Gerdau S.A. (GGB) trading so close to it's intrinsic value?

I calculated GGB's intrinsic value in two ways. 1: Total assets - Total liabilities / Total shares outstanding = $5.37 per share, currently trading at $6.51 per share. 2: Current assets + Net income - Current liabilities / Total shares outstanding = $6.24 per share

t3_tvelsq

investing

Inflation and its effect on the stock market

While reading a bit on the ideas to protect money from inflation, I noticed many people have the idea to move their money into the general stockmarket (e.g. indexes, managed-funds, S&P, NASDAQ). The idea behind this is that the money is "save" in the market due to companies in general profiting from increasing prices and therefor increasing in value. I do not comprehend how this would work, for the following reasons: 1. As long as the stockmarket value does not increase as much as inflation, you still lose value. 2. As long as salaries do not incease as much as inflation (which currently does not seem the case), this would cause consumers to lose buying power. Anything consumer related thus would start making less profits and drop in value. Any money invested in related stocks would thus lose to inflation and to the stock dropping in value. Putting your money in indexes/funds might thus work countereffective as you are hit by inflation and the stock market dropping/being stagnant due to consequences of inflation. Looking at the inflationary period from the 1965-83, the S&P was more or less stagnant over this timeframe. You would thus mainly have lost money to >5% y/y inflation in that period in the market (I am not sure how much stocks have paid dividends in those times, that might have compensated for this). Market growth only continued after 1983 (after the insane rate hikes put trough by the FED, putting inflation down). Based on this it, seems that buying the general market is not a good strategy if inflation rages. I could not really find individual stock prices of companies that might have performed well in 70/80s (if anyone has a source, I am interested). However, judging from commoditiy prices in the timeframe of 1965 to 1985, oil, gold, iron etc (so basically commodities) would have been great investments over that timeframe. Do you guys think picking investments (e.g. commodities/related stocks) might allow you to outrun inflation, are you sticking with a general market DCA strategy or do you have another strategy?

t3_tvc9yg

investing

Is there a lot of risk holding on to energy investments 20+ years into the future? (Oil/Gas)

I’m a newer investor. I had a huge chunk of money in my savings that was sitting around doing nothing during the pandemic. I saw that oil prices were so low in Nov 2020 I knew that if we got out of Covid, that the world would be moving again. Long story short I’m invested in about 5 different oil companies and an energy ETF through vanguard. I am up 120%. (I do have and hold many other stocks and ETFs Tsla, apple, etc) I have family that has held energy stocks for 40+ years. And I worry about them and myself if we hold them too long. I will be inheriting them. My question is, in 20 years, do you think energy(oil/gas) will be a dead investment? Or do you think even though the energy transition, these investments should be safe? I wonder as these majors are planning other ideas (such as wind farms, etc).

t3_tvbt9t

investing

Anyone like Whirlpool Stock (WHR) ?

I’ve been watching this since it in the low 200’s. It just hit a 52 week low on Friday, and tempted to buy in if it wasn’t for that pending recession. Pros and cons I see are; Pros: - It’s cheap at around ~8 forward P/E and ~19% cashflow to market cap. - It has a buyback program with enough in it to buy ~20% of the current shares outstanding. - It’s dividend just got big bump from $1.45/qrt to $1.75/qrt, is above its 5 year average at over 4% yield, and very well covered based on earnings. Cons: - The revenue growth has been very slow over the years. Earnings have grown mainly via efficiencies & share buybacks. - They have several competitors, and no one I’ve seen swears by the product. Seems like appliance purchasers don’t have much brand loyalty so consumer sensitivity to price is probably high. - While I like the manufacturing capabilities their supply chain has been hurt by the pandemic like many others. Thoughts?

t3_tvb28k

investing

What happens to Roth IRA if bank closes in crash

Recently started investing in Roth IRA and I’m wondering if this is something I should have at multiple banks or just one. Specifically, I’m wondering what happens to my humble assets in case of bank closure from market crash. Is there a bank known for survivability through such events? *Yes, I know the total contribution limit per year is $6,000 no matter how many Roth IRA accounts I have open.*

t3_tvaxqo

investing

ETFs to invest in the world

Hi guys, I'm learning about finance and would like to ask if given 10 choices, which ETFs would you invest in to have the most wide-reaching coverage across different asset classes and countries? (Given that the returns don't matter) I'm taking a theoretical standpoint in a sense that I want maximum diversification so that I have minimum risk

t3_tvavdl

investing

How many people actually read the investor reports?

Once I found my winning stock I like to research comparable stocks in the sector and dive into the latest financial report or two including the M and D. How often do people actually read through everything verse not doing any research? A couple friends suggested they pick up stocks based on recommends and the general vision Edit: There seems to be a greater divide then I anticipated

t3_tv99zz

investing

Swap & leverage taxes. help needed

Hello guys, I use eToro more than 6 months, all good so far. I'm trying to learn more things every day, so when possible I attend to online courses about investing. Some of them mentioned about diversification in regards of broker diversification - don't store all of your eggs in same place ;-) That's why I stared searching for a broker which offer the same services as eToro. Then I came to XTB - Polish broker, which operates in EU. I played a bit with their system, and it looks good to me. Luckily they seems to be very transparent, which is good, but I still cannot understand few things in there. For instance, they have tax called: adjustment fee and swap fee, but this doesn't make sense to me. Even I went to their website I cannot understand why this is needed. Because I haven't seen this anywhere else, I'm wondering if this is acceptable/normal or not. [swap](https://www.xtb.com/en/swaps-and-charges-kb) A yeah, forgot to mention - they do all of your positions with leverage, which is also strange for me. In eToro I can choose to go with leverage or not. [leverage](https://www.xtb.com/en/leveraged-trading-kb) Please bare with me, I'm very young in this journey.

t3_tv7m4g

investing

Daily General Discussion and Advice Thread - April 03, 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_tv527k

investing

Making sense of $GT Goodyear Tire valuation

I’m wondering if someone can better explain to me what happened to $GT Goodyear Tire stock back in mid February. I get they announced free cash flow would drop to basically zero for a little while while they invest in EV tire R&D, but this is a well run company with increasing revenue, and profit, investing in the future. I get that Wall Street can be fickle, but it went from a $7B company to a $4B company overnight? Quite the over-reaction. Shouldn’t this be a $20 stock?

t3_tv0t0z

investing

VTI and VOO should I invest in both or just one? If just one, which would you recommend for a leave it fund?

I’ve recently started automatically investing about $250 each week split between VTI and VOO. I thought the diversity would be beneficial but im reading that they are composed of essentially the same stocks. Should i just pick one and invest $500 in it each week? And which one would you recommend? Thanks

t3_tuyr0s

investing

Non-Tech Growth Stock Ideas?

I will admit I'm more of a dividend investor, but I'm young enough (early 30s) I don't want to fully focus on that in my portfolio. I currently hold Google and Microsoft, and am looking at adding Amazon. That very heavily weights me towards tech growth, so I was wondering if you guys had recommendations to look into for other sectors of growth. Whether or not they pay a Div is not super important to me. If you are not comfortable naming specific stocks, info on where you guys get your information you use to research other sectors/companies would be appreciated.

t3_turzir

investing

Question on commonly recommended funds/ETFs

Hello, I am looking to start moving more money into long term investments outside of my 401k - I have read about VOO, VT, VTI, etc and am still forming my ideas around what ratios per fund I choose. My employer's 401k plan with Vanguard doesn't have a very broad range of selection - I can use VIGIX, VTPSX, and have the perk of BRKB as well aside from regular target date funds. My 2 questions are - does it cost me more in fees to invest in VOO, VTI etc outside of Vanguard in a brokerage like Fidelity? I have a separate brokerage account with Vanguard but prefer Fidelity's service and interface. 2nd question would be, do you all recommend maxing my 401k BEFORE redirecting any money to my own picks above post-tax? I'm not sure if it would be worth putting more in 401 given the fund selection, or if I should go ahead and start buying my own outside of it. Thank you all for your time. Edit: I am 29 and have about 90k in my 401k, outside of it I only hold individual stocks right now. Adding this if it helps determine answers. Thanks

t3_tuqr40

investing

Transfering \ Trading IRA and Roth when living abroad

I am an American living in Germany and intend to stay here for the future and might even go for German citizenship (giving up US citizenship etc...) But for now I am wondering what I can do with my IRAs which I funded back in the States. I cannot fund them with foreign income. The IRAs were with T Rowe Price and I transferred them to a Charles Schwab One (international) account because I wanted to trade them out of the expensive T Rowe Price SP500 mutual fund into something a Schwab ETF SP500 with a lower fee. The transfer went fine but Schwab will not let me make any trades. So now I have two T Rowe Price mutual funds with all my retirement savings sitting in a Schwab account and the only thing Schwab will allow me to do is sell them! Super annoying. This is some kind of FACTA rule which I do not fully understand. According the Schwab advisor I neither have to move back to the States or become a German citizen to trade the damn things. What I was thinking of doing is moving them back to T. Rowe Price as my account there is still open and registered using my mother's American address as my legal residence. T. Rowe Price will be none the wiser and then I can at least trade into another T. Rowe Price fund, although those are not super great in my opinion. But I am going to guess that lying on an IRA transfer form some major financial crime that the IRS would love to punish my small-time ass for, while Panama Papers folks buy a third yacht. Any advice or thoughts here? Thanks!

t3_tup3xe

investing

Sustainable Materials & Technology in Clothing: The Allbirds Case

Path to profitability for sustainable materials and technology in the next 10-20 years looks good - specifically in clothing. Take Allbirds for example. One of the only publicly traded sustainable shoe brands out, and advertising themselves as much more - recently releasing a clothing line. Their shoes are just the beginning. $BIRD is essentially one of the biggest opportunities in the sustainable materials technology and clothing market right now. Their angle has virtually no competition, they're loved by big money, and show every sign they plan on being around for a very long time - and not primarily as a shoe company, but as a sustainable materials and technology company. Also, it's been a while since a decent clothing line came to market. $BIRD sits around $6, with early investors having the opportunity to sell off their shares in the coming month. More or less an opportunity to buy at the bottom soon, if it isn't already. ...Can easily see a selloff to the $2 to $3 mark out of panic that the company isn't going about profit in a traditional shoe/clothing company way. Allbirds looks like a solid long term buy, add, and hold. Especially with their positioning to wool and material supplies in New Zealand. Also, their status in the tech space has virtually no competition - a whole market for IT clothing and apparel to be tapped. Plus, the CEO is dedicated and passionate about life in general - and also very smart to partner with Adidas - who could more or less buy them with pocket change if they wanted. Wondering now who else is on a similar path. Definitely others competing, but nowhere near the same level of exposure. Ridiculous as this may sound, Allbirds is more or less the Tesla of clothing companies right now. And sitting pretty at about 6 bucks.

t3_tun7nd

investing

Different types of investments

Here is a list of investments I wrote up: 1. Yourself: A. Sleep/Diet/Fitness •gives energy&focus B. education/books/podcast/seminars/lectures •gives knowledge&ideation C. Experience •gives skills 2. Grows Net-worth A. Business • gives cashflow&creates wealth 3. Preserves/Grows created wealth A. Securities/currencies/crypto • possibly grow / or provide dividends/interest B. Real Estate • possibly preserve wealth&provide cashflow/Growth C. Art • Preserve wealth D. Commodities • Preserve wealth If any, What would you add or change about my list and why?

t3_tuku2b

investing

Brokerage platform that auto invests ETFs AND Indexes?

Fidelity won't auto-invest ETFs, and M1Finance doesn't offer mutual funds or index funds. Is there a platform that offers both that's still a good interface and offers good insights/analytics? I'd prefer to stay away from Robinhood because of that whole game stop thing. I've tried Public.com for stocks, but I've found myself buying things because other people are buying and that whole social aspect that I'd like to step away from. ​ edit - I won't be able to respond to everyone, but thanks for all the clarifications and suggestions!

t3_tuk8nn

investing

Filed taxes as MFS, what are my investing options?

Hello! My wife and I live in a HCOL area and our household gross income is around $242k. She works in the public sector on a G4 visa so she’s tax exempt. My friend has been doing my taxes for years and suggested we file as married but separately, which apparently limits the amount of contributions I can make towards our Roth IRA if our gross income exceed $10k. I’m already contributing around 15% towards my 401k and maximized our I-bond limits. Aside from a taxable account, what are some other investing options I should consider?

t3_tuk63q

investing

Safe 10-15 year investments

My parents recently sold their home and downsized. At Christmas they gave each of us kids $1,000 for each grandkid (our kids) to be given to them on their 18th birthday. I’d like to put this somewhere for each of my kids that will make it worth close to $1,000 when they take it out (keep up with inflation essentially). My oldest will get it in 10 years. We already have a mutual fund for each kid that we plan to give them control of after college to help them start out/or get a head start on retirement but I want this to be separate of that. I kicked around the idea of each kid picking a business (stock) they like/know but my youngest two aren’t really old enough to understand even that yet. Appreciate any ideas you all have!

t3_tujxgn

investing

Daily General Discussion and Advice Thread - April 02, 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_tuej4u

investing

Charles schwab target 2065 index vs vanguard target 2065 index

im finally opening my own path towards investing into my retirement, but im not sure which of these is better shwab SWYOX ( 2065 index ) vs vanguard VLXVX ( 2065 index ). The schwab one came out in 2021 with annal yield of 8.4% but the vanguard one came out in 2017 with a 5 year yield totaling 47.7%. Does it really matter which one i go for since pretty much all brokerage 2065 target index out there are kind of the same with 8-10% yearly yields? thanks

t3_tucnpz

investing

Annuity vs. Non-Annuitized Bucket strategy

Hi all, I have a dilemma that I 'm curious to hear your thoughts. I am 59 and retiring this June. I currently have $1.1M in 401(k), $70K in a money market (emergency fund). I'll have yearly costs of 70K in retirement which include year 13 of a $162,000 mortgage that will be paid off in 2039. Added income is $12K yearly pension starting in Jan. 2025 for life and SS at $25K starting at the same time. My financial advisor is recommending using the 401(K) to buy a $600K fixed annuity with a guaranteed rider that will pay out $32K yearly for life floor starting in Jan. 2025. The rest would be invested and used as discretionary $$. I am leaning toward a 5 bucket investment strategy with no annuity using various risk levels and drawing that to cover all expenses. Break even point is age 82 where the annuity supposably surpasses the non-annuitized sttrategy. Which strategy would you pick? Thanks!!

t3_tub6i4

investing

Dollar Based Net Retention Rate Filter

Is there a website or a way to filter stocks based off of Dollar Based Net Retention Rate? With growth stocks lower, I was hoping there was a way to search for a company's Dollar-Based Net Retention Rate without going into the quarterly reports or filter stocks with a Dollar-Based Net Retention Rate of over 120%.

t3_tu8khc

investing

Mega cap market-weighted idea

I’m just looking for advice, questions, recommendations, etc I did some back tests which revealed that the top 5-10 S&P stocks tend to outperform the market over the long term. What if you made a portfolio 50% vti (or vt) and the rest the top 5-10 stocks weighted by market cap?

t3_tu8hsw

investing

Investing in a potential recession

So the yield curve inverted which in the past has predicted 6 out of 7 recessions within 6 or 18 months of the invert happening. So we might expect a recession around this October or next October What is y’all’s theory on the performance of stocks if we soon see a recession? Do y’all see any industries that could possible still do good or even better in a recession?

t3_tu79e1

investing

Helping young children invest

My wife and I are looking to start investments for our two young children (7 year old and 6 month old). The idea is to save enough money for their college and wedding as well as to set them up financially for when they are grown. My first thought is to open a brokerage accounts for each of them and invest with equal monthly payments until they are 18. My rationale is that the SPY generates an average annual return of 10% and we could conceivably generate significant returns. Obviously there is risk here, but it’s all I really know. My question is whether or not this is the best approach or if there is a better way to go about this?

t3_tu21sx

investing

IBond purchase for myself and wife over limit

I purchased $10k of Ibonds for myself and $10k of Ibonds for my wife using the same treasury direct login with different sub-accounts under each of our names. I got an email saying I was over the $10k limit and the amount would be refunded, but it's days later and my balance still shows the bonds, and nothing in my bank account. The email said it will take 8-10 weeks to get the refund, which seems kinda ridiculous, but whatever. I can buy $10k for each of us right? Does my wife have to create a completely separate login to purchase her limit or is there a way to buy them from the account I already created?

t3_tu1m06

investing

Can anyone EILI5 what happened/is going on with Citigroup (C)?

So basically like the title says. I have a small position of Citigroup (only 5.xx shares but I’m young and just starting) and have been watching it just go down and down and down. What’s happening? I thought rising rates was good for banks? Its P/B value is getting smaller and smaller as each day goes by and I’m honestly at a lost for why. I can’t find anything online from my research either.

t3_tu01d1

investing

Financial advisor advises not to invest cash currently?

My girlfriend let me look at her finances recently, and I saw she had a lot of cash set aside in her account managed by her financial advisor. She is a medical student currently and won't be touching that money for the next 3.5 years due to her being in school; she was planning to use part of that money for a down payment for a house when she finishes school. Her account consists of 70k, with 60k being in cash, I urged her to talk to her financial advisor to figure out why 60k is being left in cash as with rising inflation rates, as it will just lose value over the years. She talked to her financial advisors, and they stated that the market is volatile currently and isn't a smart move to invest all the cash, as she is very risk-averse. They even stated that putting that money into bonds isn't the correct decision either. I'm not a financial advisor, but I'm confused, isn't it better to put your money into VOO/VTI and Bonds if you aren't going to be touching your cash for the next 3.5 years? It seems like just sitting on 60k to devalue over the upcoming years isn't the smartest financial decision? The only way I can see that being correct is if there is a recession coming, but no one can predict that. Any advice would be appreciated. edit: Again, I am just seeking advice and an understanding of the decisions made. I am not advising her to do anything with her money or will be managing her financial decisions, but apparently even asking for advice has to be labeled as wrong or right.

t3_ttuqer

investing

Why do most investors/news treat stock buy backs announcements so different than dividends.

So personally I would much rather prefer a company to do stock buy backs vs dividends as it gives me the choice if I want to sell or take the tax hit. This sort of got me thinking why do dividends seem so much more news worthy and structured vs stock buy backs? It seems like with stock buy backs the BOD will say "We authorize $X to be allocated to buy backs" and this rarely makes much news, hell they may not even need to spend the full amount. Next year/quarter they may opt not to do buy backs and this seems not to really make news With dividends on the other hand it seems it generates much more news, if a company cuts its dividend its BIG news. With some companies if they do not increase their dividend it is also big news. Just wondering why this is the case? For example there is a dividend aristocrat index, would it make sense to have a buy back aristocrat index to track companies that allocate more money every year to buy backs? Drinking my coffee this morning and just wondering why a large group of investors seem very obsessed over dividends but buy backs are usually just a foot note.

t3_ttta0y

investing

Is investing in art using masterworks worth it?

I've heard a lot about Masterworks and how you can invest in a shares of art pieces for a better returns than ETFs and other passive stock investing. In theory it sounds brilliant but all of these were paid promotions by youtubers. Also, the amount you need to invest is pretty large, so I don't wanna take any risk and wanna do proper research on the topic first. I don't trust most internet articles on this topic cus they could be paid for by masterwork. So, is it worth it?

t3_tts20f

investing

Best news source for stocks and crypto???

anyone knows which platform provides the quickest and most up to date status of any stocks? For example ive seen so many investors buying/selling stocks almost always at the right timing, sometimes at 3am. How do they know so quickely and precisely? What news platform do they use???? Literally just use google news tab but i dont think its as effective as a dedicated one. When gme and amc stocks skyrocketed in the recent days so where did those investors got the news to buy and sell? So many made over 50-100%. ​ thanks

t3_ttrwi0

investing

Interactive Brokers - Why My ETF Is On LSE and not On Euronext Paris?

according to [https://www.amundietf.fr/particuliers/product/view/LU1681049018](https://www.amundietf.fr/particuliers/product/view/LU1681049018) Nyse Euronext Paris ticker is 500U. I'm using interactive brokers and I'm a french resident. When I search for 500U I get instead the 500U on LSE. Don't understand

t3_ttr2ft

investing

Which UK based investing platform would you recommend

I’m new to this investing lark but it’s time I start putting a little a side for the future, is there a platform that I can use from the UK that is pretty reliable and safe to use. I’ve heard of trading212 because well they’re everywhere advertisement wise but was wondering if those in the know could recommend instead, word of mouth is better imo

t3_ttqosm

investing

Best Investment Options Under Pre-Clearance

Hello all! I've recently saved up enough to begin investing in a serious way. However, due to my job, I am under a trade pre-clearance requirement, keeping me from being an active investor that can respond quickly to market changes. As such, I'm looking for advice for options with a strong yield that don't require rapid inputs and reactions from the investor. Any advice?

t3_ttpyvk

investing

U.S. job growth solid in March; unemployment rate falls to 3.6%

From the article: > U.S. job growth continued at a brisk clip in March, with the unemployment rate falling to a new two-year low of 3.6% and wages re-accelerating, positioning the Federal Reserve to raise interest rates by a hefty 50 basis points in May. > The Labor Department’s closely watched employment report’s survey of establishments showed that nonfarm payrolls increased by 431,000 jobs last month. > Data for February was revised higher to show 750,000 jobs added instead of the previously reported 678,000. Economists polled by Reuters had forecast payrolls increasing 490,000. Estimates ranged from as low as 200,000 to as high as 700,000. https://financialpost.com/pmn/business-pmn/u-s-job-growth-solid-in-march-unemployment-rate-falls-to-3-6

t3_ttpttj

investing

China considers giving US FULL audit to Alibaba

Welp. There it goes again. This was my post 10 days ago: [https://www.reddit.com/r/investing/comments/tk3mvm/alibaba\_stock\_the\_steal\_of\_a\_lifetime/](https://www.reddit.com/r/investing/comments/tk3mvm/alibaba_stock_the_steal_of_a_lifetime/) ​ Today, China has announced it is considering giving the US **FULL** audit to Alibaba [https://www.bloomberg.com/news/articles/2022-04-01/china-weighs-giving-u-s-full-access-to-audits-of-most-firms?srnd=markets-vp](https://www.bloomberg.com/news/articles/2022-04-01/china-weighs-giving-u-s-full-access-to-audits-of-most-firms?srnd=markets-vp) This is huge. This is a game changer. Biggest opportunity of a lifetime. ​ Delisting is now most likely just fear. China is willing to accept all audits from USA with only a CERTAIN SUBSET of stocks. One of them being Alibaba. China isn't guaranteeing for all its listed stocks but only some. It also means that Alibaba's financials are legitimate enough for China to accept US to audit.

t3_ttpour

investing

Thoughts on purchasing land and/or building a house in current housing market.

Hey y'all. I am 25 years old with a solid amount of capital from working 3 years after college as an engineer and not having much to any expenses due to living and working from home. Recently, I began looking at buying a plot of land in a neighborhood to build a house. The location will be very close to a new train station that is going to be built which more easily provides access to Chicago from Northwest Indiana. So my question for you guys is.... Do you think now is the right time to invest either in the plot of land itself, or buy the plot of land to build a house? The neighborhood is a "bring your own" builder, so the houses that are there are very unique looking, everything is different. In my mind, this also makes it a solid value investment due to the location of the neighborhood (good area + new train station for ease of access to Chicago being built by 2024). As a young investor, I have been hesitant to jump too much into the market because fears of a bubble and "crash" that apparently has been looming for a few years. As a young investor, knowing the 2008 situation, but not KNOWING how a similar situation could affect me, is leaving me a little hesitant to move forward with buying the land / building the house. Is jumping in during this time wrong? Or should I wait for housing bubble to relax and construction costs to level out? I am open to any advice / discussion relating to the stock market / housing market!

t3_ttmrf9

investing

Daily General Discussion and Advice Thread - April 01, 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_ttm8ia

investing

Is this normal? Late dividends payment?

Hi I bought VUSA etf back in early march using a AJ Bell ISA account and the dividend payout was meant to be on the 30th but I still haven’t received anything in my account. I sent them a email and this is what they said - “Our dividedness team have stated we have still not been paid the dividends to ourselves to distribute. They will be chasing the registrar today in an attempt to obtain the dividends as quick as possible” Is this normal or should I be worried? Thanks

t3_ttlym9

investing

Roku,Tdoc and Veeva : Deeply discounted or correctly valued?

Both Roku and Veeva are growing sales considerably YoY and have strong gross margins. However, their prices have been cut down in the last few months (granted Veeva had some recovery). Teladoc currently has a book value per share higher than current market price?? Any thoughts on these stocks?

t3_ttljbb

investing

Should my brokerage account look like my ROTH IRA?

I have maxed out 2021 and 2022 contributions for my Roth IRA but still have a decent amount of money to invest in a brokerage account. Does it make sense to invest in the same index funds/stocks in both accounts to maximize growth? Or maybe buy more shares of top companies my index funds hold for my brokerage?

t3_ttl1p8

investing

What are the best trading platforms for German investors?

I have a German friend who has recently moved back home after working abroad for some time. My friend would like to start investing some of their savings but they don't know which trading platform they should use. Since they are new to the idea of investing they only want to start small and invest maybe around 1k euros. So i figured the best place to ask for advice and recommendations would be here.

t3_ttknpq