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investing

[Genuinely Curious] is there any way GME stock splitting could go wrong?

Following news today where GameStop is planning to split its shares, my understanding being it is reasonable to expect that shorters are 'obligated' to give X shares for each share they borrowed to short, i.e. price can only go up either tomorrow or after their annual meeting... I might be in the wrong subreddit, but just wondering if we were to view this critically, what are the possible factors this could go wrong - any view is much appreciated, thanks!

t3_ttjskc

investing

What is the likely impact, if any, of yield inversion and inflation on US Dollar value within the next two years?

If the interest rates go up, I imagine there will be a demand for USD and the value may go up. Is that generally true? How do the yield inversion and inflation affect the value of USD in the international forex market? If yield inversion predicts a recession, how will that affect the value of USD during the uncertain period of the next 12-18 months? If the recession actually does occur or start in 12-18 months, what will be its effect on USD?

t3_ttilal

investing

The One ETF to Watch for Signs That the Fed Will Change Its Mind on Multiple Hikes

Via [Bloomberg](https://www.bloomberg.com/news/articles/2022-03-31/the-one-etf-to-watch-for-signs-that-the-fed-will-change-its-mind) (non-paywall link at [https://archive.ph/LXJGs](https://archive.ph/LXJGs)) * Credit risk will veto the Fed,’ Larry McDonald says * ETF tracking CMBS mired in second-worst drawdown ever >If you’re wondering what the Federal Reserve will actually end up doing with interest rates this year, Larry McDonald advises ignoring what economists say.  > >Instead, it’s best to focus on credit risk, according to the founder of the Bear Traps Report and former head of macro strategy at Societe Generale. > >Even after just one increase to the target for the Federal funds rate, credit markets are signaling that it’s “highly suspect” that the central bank will lift rates by the equivalent of seven 25-basis point hikes this year, let alone the eight or nine increases that some economists are predicting, McDonald said in a recent Bear Traps Report [video](https://www.youtube.com/watch?v=nmoC_3-B-rA).  > >McDonald pointed to the [iShares CMBS](https://finance.yahoo.com/quote/CMBS) exchange-traded fund to make his case. The $753 million ETF tracks commercial mortgage-backed securities, a critical lending tool for banks. The 10-year-old ETF is experiencing the second-largest ever drawdown, behind only the 2020 Covid-19 market crash. It remains mired in weakness even as benchmark equity indexes have recovered much of their year-to-date losses. > >“Economists are looking at economic data, they’re not looking at credit risk,” McDonald said. “And at the end of the day, as we’ve seen over the last 10 years, credit risk will veto the Fed, will veto the economists. That’s why you have to spend more time looking at credit risk and not listening to economists.” > >When it comes to what areas of commercial real estate are riskiest, Bear Traps suspects that it’s the CMBS tranches that are most-exposed to major U.S. cities --- risk that is also being flagged by the municipal bond market, McDonald added in an email Thursday. > >“We are seeing a corresponding surge in muni credit risk in some of the large U.S. cities,” he said. “NYC spread vs. Austin and Miami widening a lot.”

t3_tthscq

investing

Let's peel apart the February 2022 7.9% CPI measurement to figure out if the data shows "it's because the fed printed money"

Stuff in 2021 cost 7.9% less than it did in 2022. Let's investigate: > The CPI-U is a more general index and seeks to track retail prices as they affect all urban consumers. It encompasses about 87 percent of the United States' population. The CPI-W is a more specialized index and seeks to track retail prices as they affect urban hourly wage earners and clerical workers. > The three largest components of the CPI are housing, transportation, and food/beverages in that order. > They are weighted this way: housing 41.4%; food and beverages 17.4%; transport 17.0%; medical care 6.9%; apparel 6.0%; recreation 4.4%; other 6.9%. https://en.wikipedia.org/wiki/Consumer_price_index How much is each category up? Housing (CPIHOSNS): 275.13 -> 291.50 (5.95%) Food and beverages (CPIUFDSL): 271.42 -> 292.91 (7.9%) Transport (CPITRNSL): 211.47 -> 256.02 (21.06%) Medical care (CPIMEDSL): 523.03 -> 535.73 (2.43%) Apparel (CPIAPPSL): 118.53 -> 126.34 (6.59%) Recreation (CPIRECSL): 122.89 -> 128.97 (4.97%) Other (CPIOGSSL): 469.88 -> 496.04 (5.57%) 2021: (41.4×275.13+17.4×271.42+17×211.47+6.9×523.03+6×118.53+4.4×122.89+6.9×469.88) / (41.4+17.4+17+6.9+6+4.4+6.9) = 278.11055 2022: (41.4×291.50+17.4×292.91+17×256.02+6.9×535.73+6×126.34+4.4×128.97+6.9×496.04) / (41.4+17.4+17+6.9+6+4.4+6.9) = 299.61795 My weights are a little outdated/off but the math checks out: about 7.7% increase 2021 -> 2022 Now let's dive into some of the categories. A lot of people say CPI is a shitty metric that doesn't capture the "true" inflation Americans are experiencing. I've read countless times on Reddit how the entire formula is set up in a way to hide "real inflation" from the American people. Here are the same categories, sorted by how much they are up year over year: (21.06%) Transport (CPITRNSL): 211.47 -> 256.02 (7.9%) Food and beverages (CPIUFDSL): 271.42 -> 292.91 (6.59%) Apparel (CPIAPPSL): 118.53 -> 126.34 (5.95%) Housing (CPIHOSNS): 275.13 -> 291.50 (5.57%) Other (CPIOGSSL): 469.88 -> 496.04 (4.97%) Recreation (CPIRECSL): 122.89 -> 128.97 (2.43%) Medical care (CPIMEDSL): 523.03 -> 535.73 Obviously, housing matters more to people than apparel. Keep in mind the transport category is what holds gasoline prices, and this was a reading before the Ukraine-Russia conflict if I remember correctly. March 2022 CPI will be released Apr. 12, 2022. Drilling in a bit more, here are some categories. The weights might be slightly out of date, since the page says it is from 2020. https://www.bls.gov/cpi/tables/relative-importance/2020.htm The categories are up to 8 tiers nested. .sub1: Food and beverages 15.157 .sub1: Housing 42.385 .sub1: Apparel 2.663 .sub1: Transportation 15.160 .sub1: Medical care 8.870 .sub1: Recreation 5.797 .sub1: Education and communication 6.8 .sub1: Other goods and services 3.159 .sub2: Food .sub2: Shelter .sub2: Fuels and utilities .sub2: Household furnishings and operations .sub2: Men's and boys' apparel .sub2: Women's and girls' apparel .sub2: Footwear .sub2: Infants' and toddlers' apparel .sub2: Jewelry and watches .sub2: Private transportation .sub2: Public transportation .sub2: Medical care commodities .sub2: Medical care services .sub2: Video and audio .sub2: Pets, pet products and services .sub2: Sporting goods .sub2: Photography .sub2: Other recreational goods .sub2: Other recreation services .sub2: Recreational reading materials .sub2: Education .sub2: Communication .sub2: Tobacco and smoking products .sub2: Personal care .sub3: Food at home .sub3: Food away from home .sub3: Alcoholic beverages .sub3: Rent of primary residence .sub3: Lodging away from home .sub3: Owners' equivalent rent of residences .sub3: Tenants' and household insurance .sub3: Household energy .sub3: Water and sewer and trash collection services .sub3: Window and floor coverings and other linens .sub3: Furniture and bedding .sub3: Appliances .sub3: Other household equipment and furnishings .sub3: Tools, hardware, outdoor equipment and supplies .sub3: Housekeeping supplies .sub3: Household operations .sub3: Men's apparel .sub3: Boys' apparel .sub3: Women's apparel .sub3: Girls' apparel .sub3: Men's footwear .sub3: Boys' and girls' footwear .sub3: Women's footwear .sub3: Watches .sub3: Jewelry .sub3: New and used motor vehicles .sub3: Motor fuel .sub3: Motor vehicle parts and equipment .sub3: Motor vehicle maintenance and repair .sub3: Motor vehicle insurance .sub3: Motor vehicle fees .sub3: Airline fares .sub3: Other intercity transportation .sub3: Intracity transportation .sub3: Unsampled public transportation .sub3: Medicinal drugs .sub3: Medical equipment and supplies .sub3: Professional services .sub3: Hospital and related services .sub3: Health insurance .sub3: Televisions .sub3: Cable and satellite television service .sub3: Other video equipment .sub3: Video discs and other media, including rental of video .sub3: Audio equipment .sub3: Recorded music and music subscriptions .sub3: Unsampled video and audio .sub3: Pets and pet products .sub3: Pet services including veterinary .sub3: Sports vehicles including bicycles .sub3: Sports equipment .sub3: Unsampled sporting goods .sub3: Photographic equipment and supplies .sub3: Photographers and photo processing .sub3: Unsampled photography .sub3: Toys .sub3: Sewing machines, fabric and supplies .sub3: Music instruments and accessories .sub3: Unsampled recreation commodities .sub3: Club membership for shopping clubs, fraternal, or other organizations, or participant sports fees .sub3: Admissions .sub3: Fees for lessons or instructions .sub3: Unsampled recreation services .sub3: Newspapers and magazines .sub3: Recreational books .sub3: Unsampled recreational reading materials .sub3: Educational books and supplies .sub3: Tuition, other school fees, and childcare .sub3: Postage and delivery services .sub3: Information and information processing .sub3: Information technology, hardware and services .sub3: Cigarettes .sub3: Tobacco products other than cigarettes .sub3: Unsampled tobacco and smoking products .sub3: Personal care products .sub3: Personal care services .sub3: Miscellaneous personal services .sub3: Miscellaneous personal goods .sub4: Cereals and bakery products .sub4: Meats, poultry, fish, and eggs .sub4: Dairy and related products .sub4: Fruits and vegetables .sub4: Nonalcoholic beverages and beverage materials .sub4: Other food at home .sub4: Full service meals and snacks .sub4: Limited service meals and snacks .sub4: Food at employee sites and schools .sub4: Food from vending machines and mobile vendors .sub4: Other food away from home .sub4: Alcoholic beverages at home .sub4: Alcoholic beverages away from home .sub4: Housing at school, excluding board .sub4: Other lodging away from home including hotels and motels .sub4: Owners' equivalent rent of primary residence .sub4: Unsampled owners' equivalent rent of secondary residences .sub4: Fuel oil and other fuels .sub4: Energy services .sub4: Water and sewerage maintenance .sub4: Garbage and trash collection .sub4: Floor coverings .sub4: Window coverings .sub4: Other linens .sub4: Bedroom furniture .sub4: Living room, kitchen, and dining room furniture .sub4: Other furniture .sub4: Unsampled furniture .sub4: Major appliances .sub4: Other appliances .sub4: Unsampled appliances .sub4: Clocks, lamps, and decorator items .sub4: Indoor plants and flowers .sub4: Dishes and flatware .sub4: Nonelectric cookware and tableware .sub4: Tools, hardware and supplies .sub4: Outdoor equipment and supplies .sub4: Unsampled tools, hardware, outdoor equipment and supplies .sub4: Household cleaning products .sub4: Household paper products .sub4: Miscellaneous household products .sub4: Domestic services .sub4: Gardening and lawncare services .sub4: Moving, storage, freight expense .sub4: Repair of household items .sub4: Unsampled household operations .sub4: Men's suits, sport coats, and outerwear .sub4: Men's underwear, nightwear, swimwear and accessories .sub4: Men's shirts and sweaters .sub4: Men's pants and shorts .sub4: Unsampled men's apparel .sub4: Women's outerwear .sub4: Women's dresses .sub4: Women's suits and separates .sub4: Women's underwear, nightwear, swimwear, and accessories .sub4: Unsampled women's apparel .sub4: New vehicles .sub4: Used cars and trucks .sub4: Leased cars and trucks .sub4: Car and truck rental .sub4: Unsampled new and used motor vehicles .sub4: Gasoline (all types) .sub4: Other motor fuels .sub4: Tires .sub4: Vehicle accessories other than tires .sub4: Motor vehicle body work .sub4: Motor vehicle maintenance and servicing .sub4: Motor vehicle repair .sub4: Unsampled service policies .sub4: State motor vehicle registration and license fees .sub4: Parking and other fees .sub4: Unsampled motor vehicle fees .sub4: Prescription drugs .sub4: Nonprescription drugs .sub4: Physicians' services .sub4: Dental services .sub4: Eyeglasses and eye care .sub4: Services by other medical professionals .sub4: Hospital services .sub4: Nursing homes and adult day services .sub4: Care of invalids and elderly at home .sub4: College tuition and fees .sub4: Elementary and high school tuition and fees .sub4: Day care and preschool .sub4: Technical and business school tuition and fees .sub4: Unsampled tuition, other school fees, and childcare .sub4: Postage .sub4: Delivery services .sub4: Telephone services .sub4: Computers, peripherals, and smart home assistants .sub4: Computer software and accessories .sub4: Internet services and electronic information providers .sub4: Telephone hardware, calculators, and other consumer information items .sub4: Unsampled information and information processing .sub4: Hair, dental, shaving, and miscellaneous personal care products .sub4: Cosmetics, perfume, bath, nail preparations and implements .sub4: Unsampled personal care products .sub4: Haircuts and other personal care services .sub4: Legal services .sub4: Funeral expenses .sub4: Laundry and dry cleaning services .sub4: Apparel services other than laundry and dry cleaning .sub4: Financial services .sub4: Unsampled items .sub5: Cereals and cereal products .sub5: Bakery products .sub5: Meats, poultry, and fish .sub5: Eggs .sub5: Milk .sub5: Cheese and related products .sub5: Ice cream and related products .sub5: Other dairy and related products .sub5: Fresh fruits and vegetables .sub5: Processed fruits and vegetables .sub5: Juices and nonalcoholic drinks .sub5: Beverage materials including coffee and tea .sub5: Sugar and sweets .sub5: Fats and oils .sub5: Other foods .sub5: Beer, ale, and other malt beverages at home .sub5: Distilled spirits at home .sub5: Wine at home .sub5: Fuel oil .sub5: Propane, kerosene, and firewood .sub5: Electricity .sub5: Utility (piped) gas service .sub5: Wireless telephone services .sub5: Land-line telephone services .sub6: Flour and prepared flour mixes .sub6: Breakfast cereal .sub6: Rice, pasta, cornmeal .sub6: Bread .sub6: Fresh biscuits, rolls, muffins .sub6: Cakes, cupcakes, and cookies .sub6: Other bakery products .sub6: Meats .sub6: Poultry .sub6: Fish and seafood .sub6: Fresh fruits .sub6: Fresh vegetables .sub6: Canned fruits and vegetables .sub6: Frozen fruits and vegetables .sub6: Other processed fruits and vegetables including dried .sub6: Carbonated drinks .sub6: Frozen noncarbonated juices and drinks .sub6: Nonfrozen noncarbonated juices and drinks .sub6: Coffee .sub6: Other beverage materials including tea .sub6: Sugar and sugar substitutes .sub6: Candy and chewing gum .sub6: Other sweets .sub6: Butter and margarine .sub6: Salad dressing .sub6: Other fats and oils including peanut butter .sub6: Soups .sub6: Frozen and freeze dried prepared foods .sub6: Snacks .sub6: Spices, seasonings, condiments, sauces .sub6: Baby food .sub6: Other miscellaneous foods .sub7: Beef and veal .sub7: Pork .sub7: Other meats .sub7: Chicken .sub7: Other uncooked poultry including turkey .sub7: Fresh fish and seafood .sub7: Processed fish and seafood .sub7: Apples .sub7: Bananas .sub7: Citrus fruits .sub7: Other fresh fruits .sub7: Potatoes .sub7: Lettuce .sub7: Tomatoes .sub7: Other fresh vegetables .sub8: Uncooked ground beef .sub8: Uncooked beef roasts .sub8: Uncooked beef steaks .sub8: Uncooked other beef and veal .sub8: Bacon, breakfast sausage, and related products .sub8: Ham .sub8: Pork chops .sub8: Other pork including roasts, steaks, and ribs

t3_tth665

investing

Just finally closed my RE deal that I’ve been working on for 15 months

Now I’m trying to figure out what to reinvest in. I’m only 19, not sure if that changes anything. But I’ve got some capital now. If you have any advice for me, I’d like to find some videos/articles from people who really understand what they are doing and know how to portray their thoughts and explain why they do things the way they do. Alex hormozi is an example of someone I look up to and take advice from, is there anyone you guys like to watch / read? Also what stocks are you keeping a close eye on right now?

t3_ttgld7

investing

2022 Financial Goals 1st Quarter Update

My goal for 2022YE is $55,543 Net Worth. My NW as of 12/28/21 was $24,343. I track it every month, but can't post images so this is the most recent. I'll try to post here every quarter to keep myself accountable. What were some of the unique ways you were able to accelerate your net worth that I should be thinking about at this age? Thanks in advance. **22M 3/31/2022** Current Assets * Bank: $8,234 * Standard Brokerage: $8,444 * Roth IRA: $10,764 * Roth 401k: $1,862 * Credit Card #1 CashBack: $54 * Credit Card #2 CashBack: $0 * Inventory: $2,110 **TOTAL ASSETS: $31,468** Current Liabilities * Credit Card #1 Balance: $230 * Credit Card #2 Balance: $0 **TOTAL LIABILITIES: $230** **NET WORTH: $31,238**

t3_ttg4lq

investing

imagine having $50,000 cash, you need it accessible within a weeks notice but want to earn the best return, where do you put it and why?

Imagine having $50,000 cash, but you need it to be liquid in case an opportunity presented itself and you wanted to earn the best return on the money, where would you put it and why? Generally checking isn't going to give a good return. Savings may pay a return but it's unlikely to be much, anyone have any good suggestions for high yield savings? Money market? Which brokerage would you park it with and what would be the yield on such an account? How about something like a blockfi account or Gemini account? There's gotta be somewhere to put cash where it's fairly accessible and receives more than a fraction of a percent return, so where would you put it and why?

t3_ttg0rb

investing

Investment Youtube Channels

Hi r/investing, I am looking for some good youtube channels that would explain some of the lingo and strategy around personal investing. I am currently invested in a few vanguard funds, mostly in mutual funds (about 85% of my portfolio is in VWMNX and VLCAX, with some in VTI and then around 10% in a few small ETFs). I've been investing over the past 3 or so years and seen fairly good returns, but I still feel as if I have a rudimentary understanding of how it all works, and don't truly understand which decisions I can make now to set myself up for long term growth. I'm in my mid-twenties and hold a 6-figure job, and have around 30K in this particular portfolio (all in vanguard). I travel and spend my money but also save and invest, with the latter becoming more prevalent in my life. Just seeing if anyone has any good suggestions for some basic investment and stock lessons, all the channels I've found so far are annoying and cheesy. Looking to gain a solid understanding of what to look for in these mutuals, ETFs, bonds, metals, and apply that knowledge to my personal goals. Thanks everyone.

t3_ttfen2

investing

Bond ETFs look like a great opportunity.

Many people are talking about how bonds are a terrible investment right now, but looking at the NAV drops on bond etfs make it seem like these are great long-term opportunities. I'm still very new to this so I'm hoping someone smarter than me can explain why my thinking is wrong.   **Increasing rates causes decreasing bond prices** New treasury bonds are giving better interest rates so it obviously makes sense, for right now, to park money here instead of the lower interest existing bonds. The value of the existing bonds drop until the existing coupon payments *roughly* translate to the same yield as the newer treasuries.   **Bond ETFs eventually catch up** So with an etf like BND where the average duration is ~6 years, that means the older bonds are routinely getting removed while the newer (and higher yielding) bonds are coming in. Eventually, BND's dividend will start to increase (from higher coupons). This should also mean that BND's NAV price would start to increase alongside the increased dividends.   A super basic formula would be: P(BND) * Div(BND) = Y(BND) = Y(NT)   *where Y(NT) is yield of new treasuries, P(BND) is the BND etf NAV, Div(BND) is the current BND dividend/coupon, and Y(BND) is the current BND yield*   **Interest rate increases are already baked in** So with BND, when the yield of new treasuries goes up (*Y(NT)*) then an efficient market will ensure BND's yield matches that. I could put $100 towards new treasuries and earn 2.5% yield or put $100 towards BND earning a 2.0% dividend. I'd obviously choose the former and therefore the market responds by lowering the BND price to $80. Now I can buy roughly 1.2 shares of the BND etf (with my $100) with a 2.0% dividend, which gives me a total 2.5% yield. Knowing what I just stated above, **I'd obviously buy the discounted BND price** because I know those higher coupon treasuries will make it into the etf and increase dividends. If the Fed keeps interest rates steady, then 6 years later the BND etf will hold all treasuries with that newer interest rate and return 2.5% dividends. This pushes the NAV back up to $100. When people say existing bonds and etfs like BNDs will drop further due to interest rate hikes, wouldn't the market already be taking that into account? I assume it would be and therefore the decrease in NAV will eventually reverse long term.   **Conclusion** Bond etfs lag behind on their relative yield when interest rates increase, but for long term investing you can buy the discounted NAV price knowing that eventually the interest rates will stop increasing. You get a double benefit: increased dividends over time and increased NAV. I'm likely very misinformed or making bad assumptions. Sometimes when I see comments talk about how bonds are, there is this natural inclination to think *so this must mean it's a good time to buy*.

t3_ttfay9

investing

Why the tanking Japanese yen should concern investors

[***This article***](https://finance.yahoo.com/news/why-the-tanking-japanese-yen-should-concern-stock-investors-morning-brief-090923267.html) ***first appeared in the Morning Brief.*** >Thursday, March 31, 2022 > >The Bank of Japan (BOJ) was in a bind on Monday. > >Its currency, the yen, was crashing while yields on their government bonds were surging. The solution — [four days of unbridled bond buying](https://www.yahoo.com/video/forex-dollar-hits-6-high-194529413.html) by the BOJ to stem the hemorrhaging and contain interest rates. While the gambit worked (for now), Wall Street is waking up to this potential canary in the coal mine. > >Big moves in the yen are rare, but traders pay attention when the currency starts moving. It's the third most heavily-traded currency, and it's involved in trillions of dollars worth of highly levered trades. Hedge funds try to arbitrage differences in interest rates around the world by borrowing in "cheap" currencies (like the yen) and investing in bonds in higher-yielding countries — the so-called [carry trade](https://www.investopedia.com/carry-trade-definition-4682656). > >For instance, if 10-year Australian bonds yield 5% while similar Japanese bonds are paying close to nothing, investors can sell the yen, buy the Australian dollar, and use the proceeds to buy Australian bonds. There are lots of moving parts and wonky details, but that's the gist of it. > >But because traders are essentially picking up dimes in front of a bulldozer, these bets are highly levered to maximize returns — which means they can fall apart quickly and cause systemic risk if enough traders are effected. > >So when the yen starts making big upward or downward moves, traders face tough decisions. Hedge funds staring down the barrel of multiple margin calls will liquidate good bets — even safe haven assets like gold — to cover their bad bets. This is how contagion works. > >For now, the BOJ's bond buying — effectively printing more money, in this case yen — is supporting easy financial conditions. But if the bank's hand is forced and it abandons the buying, a massive unwinding will likely follow. And no one is currently pricing in this risk. > >Since the yen is being used as a cheap source of funds to leverage the carry trade, it's a risky bet, points out [Bloomberg's John Authers](https://www.bloomberg.com/opinion/articles/2022-03-28/japan-and-the-yen-find-a-new-way-to-market-relevancy-in-era-of-war-and-inflation?sref=eeq6exxF). Everyone is piling on the same side of the trade such that it becomes self-fulfilling. But the yen has also historically functioned as a flight-to-safety haven during times of stress. If that relationship reasserts and the yen strengthens materially, it's game over for those playing the carry. > >"Far from offering sanctuary from the world’s strife, Japan is being treated once more as an ATM to fund risk-taking elsewhere," Authers wrote. > >While the yen and Japanese bond market have cooled for now, the BOJ will have a big decision to make. Further pressure could lead Japanese authorities to intervene in the yen. Japan has a long and storied history of weakening the yen to favor their exports. But this would be the first time since 1998 that the bank would [intervene to strengthen the currency](https://www.reuters.com/markets/currencies/japan-weaker-yen-may-not-be-blessing-it-once-was-2021-11-26/). > >Surging commodity costs is currently the biggest factor. Japan is a huge energy importer, which depresses its currency as the yen is sold to buy oil and gas (and food and everything else) at higher prices. This outweighs the benefit of boosting their exports as their goods become cheaper abroad — especially as Japan has offshored a lot of its manufacturing over the last decade. > >**This content is not available due to your privacy preferences.**[**Update your settings here to see it.**](https://yahoo.mydashboard.oath.com/guc-redirect?app=thirdPartyContentEmbed&bucket=pd_2&lang=en-US) > >A plummeting yen also puts upward pressure on interest rates, which is at odds with the BOJ's policy of controlling the entire yield curve. (By way of reference, the Federal Reserve only seeks to influence short-term U.S. rates.) If the BOJ is forced to abandon its yield curve control strategy, that brings the yen devaluation option to the forefront. > >The other dynamic at play is the strengthening Chinese yuan, or renminbi, which is dangerously close to approaching the very level versus the yen that caused authorities in China to [devalue its currency by 3% in 2015](https://www.investopedia.com/trading/chinese-devaluation-yuan/). That surprise move upended global risk markets and sent many stock markets around the world plunging into bear territory. > >Today, add a pandemic and a war in Europe to the mix — not to mention a Federal Reserve that's the most hawkish in at least two decades — and markets may not bounce back so quickly as they eventually did in early 2016. > >Jens Nordvig, founder and CEO at Exante Data, recently remarked how different the current situation is from prior times of global gyrations in the currency markets, [tweeting](https://twitter.com/jnordvig/status/1507006087643508736?s=20&t=S23lXKLsAAa4XBrkGev6Sw), "\[Y\]ou can only reach the conclusion that the regime is now totally different. This cycle is different, very different, and all asset classes are gradually waking up to this new reality, with \[foreign exchange markets\] showing it forcefully lately." *By* [*Jared Blikre*](https://www.yahoo.com/author/jared-blikre/?.tsrc=fin-srch)*, a reporter focused on the markets on Yahoo Finance. Follow him* [*@SPYJared*](https://twitter.com/SPYJared)

t3_ttdm10

investing

Do hedge funds Pay there investors with the leverage they use

For instance say a hedge fund borrows 100 Dollars, for investing with the standard 2 and 20. Let's us also say they raise 100 dollars in leverage, with your investment as collateral, unofficially. Lets say they invest all 200 dollars and make 100 dollars so the leverage made 50 and so did the original money. Does the hedge fund clear the leverage for themselves and only count the original investment in your return. So the hedge fund has held your investment as collateral in a leveraged investment.

t3_ttdet9

investing

Sega and TMS Entertainment

Hello. Help? ...I am about to buy a lot of $SGAMY TMS Entertainment is a wholly owned subsidiary of Sega Sammy Holdings. The Sega part is nice, but TMS Entertainment's work and history also looks incredible and vast. Thinking about buying and holding for a long time - a very long time. Any fair reason not to pick up 100 shares or so and hold for the next 15 years? Is there something wrong with the stock?? Despite the low share price, it's difficult to imagine Sega going away anytime soon - especially with regards to their TMS Entertainment deal. Mainly confused over the price being so low for so long but also growing very steadily. The chart looks strong but seems to want to be around the $3-4 mark almost no matter what. A few decent rises, but mostly even. And recently climbing nicely. Anyone own this stock or staying away because such and such?

t3_ttd4jm

investing

Good ETFs to hedge this inflation or potential recession?

Hey all, hope everyone is well. I’ve been an inactive investor for about 2 years now. By which I mean I just basically set it and forget after I buy. I’ve never done any trading as I am only 20 and I am looking for long term returns. My portfolio is majority VTI as well as 2 other ETFs. Lately though will all the noise in the market around inflation and potential “mini-recession”, I have been researching and looking at some good ETFs to pick up to hedge some of the inflation/poor economy over the next 5 to 8+ years. Today I picked up XLE (Energy sector fund), VNQ (real estate fund) and XLF (financials sector fund). I know Reddit is not going to be my main source of advice but I did want to hear any advice anyone has on here? What do you think some good ETFs would be for the next 3 years? Any thoughts on the ETFs I picked up today. I’ve been researching for the past few weeks and have made a list but any new picks or ideas I would greatly appreciate. Also I should mention that I only buy ETFs, I plan on eventually buying individual stocks once I accumulate more capital and am able to focus a bit more time into the market. And lastly, I know the economy could easily recover and inflation may be slowed down significantly, as nobody can predict the market but I am just looking to trade right now based off what I have noticed may happen in the coming 3 years. *Note: I know I said good ETFs for the next 3 years, I know that’s a really short time frame. I’m not looking to cash out or make huge gains, I mainly just want a fund that hopefully won’t decrease too much in value. Any money I make on investments in those next few years I would literally just reinvest back into my portfolio if I even decide to sell them.

t3_ttctak

investing

Warner Media Discovery: Would the sale of WB Games require disclosure to the market/gov prior to the deal being approved?

In May 2021, it was announced that Warner Bros. would be merging with Discovery to form Warner Media Discovery. The company received FTC approval back in February 2022, and shareholder approval a week or two ago. The deal is set to formally close in mid-late April 2022. Over the past couple years it's been rumored that WB Games would be sold off to a Microsoft, Sony, etc. After the WMD merger deal was announced, WB came out and said that WB Games would not be sold off. I guess my question is for how long does this statement have to be true such that they could not be successfully sued for securities fraud, etc.? In other words: * Once the deal closes are they free to sell off WB Games? * If the sell-off of a WB Games studio were in the works prior to the merger closing, would disclosure of this potential transaction have been required? * If WB Games were sold off some time in the future, could shareholders sue on the basis that they approved the deal with the understanding that WB Games would not be sold off? Just curious how this all works from a regulatory/legal standpoint. Many thanks for any insight.

t3_ttcnqe

investing

Long term DCA into my fav stocks vs index fund

I'm sure this is asked but I can't find it in the search. I plan on buying weekly, and right now half of my investment goes into index funds and the other half I use to just pick stocks. I pick them kind of at a whim, but I do a basic sanity check of the PE ratio and ESP. I don't plan on selling for a long time, I have been buying tech stocks near their ATH and still no plans to sell. I am wondering if there is a significant different to a buy & hold vs index funds. I see that you can't time the market, you can't predict it, etc... but I'm not trying to as much as just investing in long term holds.

t3_ttc49p

investing

The Yield Curve just officially inverted

[https://www.cnbc.com/quotes/10Y2YS](https://www.cnbc.com/quotes/10Y2YS) Historically, the yield on the 2-year treasury topping the yield on the 10-year has preceded every recession. This may be a signal that investors are fleeing to the safety represented by US treasuries, or that investors expect rates to fall in the short to medium term.

t3_ttbi9q

investing

New Investment Portfolio: Hold off on entering or buy in gradually?

I’ve just started working my first real job and want to put some money towards an investment portfolio; however, I will only slowly be getting the capital for it, as I get paid on a week to week basis. Should I just save my money for a couple of months and go start buying the shares I want then, or is it smarter to buy in weekly until I get to the amount I want to be managing (approximately $2000 USD). The goal is this portfolio is to be held for 5+ years

t3_tt8m8l

investing

Does Government's Forced Rothifying of Catch Up Contributions Change The Conventional Wisdom About Roth's In Your 20's?

As I'm sure you've heard, government seems poised to force Gen X into "rothifying" their 401k catch up contributions. This will raise 36 billion in revenue by not allowing people during their highest earning years to reduce their MAGI with a pre tax 401k catch up contribution. Simultaneously, Boomers are being allowed to punt their tax bill down the road by delaying RMD's and are getting extra catch up contributions at 62. Since catch up contributions are going to be corralled into a Roth in your 50's, do you think the advice about contributing to a roth in your 20's should change? Maybe it should be a more even split? Ideas around this?

t3_tt8hye

investing

Crypto exposure via self-directed IRA -- good idea/bad idea?

I recently left an employer and will rollover approx. 50K to a Traditional IRA (i.e. pre-tax money). I am considering rolling to self-directed IRA, specifically a Crypto IRA account offered by Directed IRA ([https://directedira.com/cryptocurrency/](https://directedira.com/cryptocurrency/)) and simply buy 1.xx BTC to hold long-term. Context: age 35, this allocation would comprise roughly 6% of total assets -- 10% of retirement assets. Pros: Crypto exposure when currently have none, diversify Cons: Fees - for optional cold storage in particular Is anyone out there getting exposure to crypto this way? Good idea? Bad idea? Who knows?

t3_tt77ub

investing

Forecasting Fuel Prices: Best Methods?

I‘m looking to forecast fuel prices for a long term play in the downstream energy sector. I want to forecast pricing 5 years out. The approach I plan on taking is to look at historical refined product cracks (the spread between crude and gasoline/diesel) over the last 4 years and average them out, I will then layer on demand destruction on gasoline using a 1 to 1 application of demand destruction to pricing (i.e. if demand is forecasted to drop by 1%, refined product margin will drop 1%) and the same for diesel (where demand likely increases). After that I can take that and apply those margins to an aggregate of crude forecasts that exist out there (I don’t want to get into trying to predict oil prices) which should then give me a total product price which I can then apply inflation to. Once I have product prices, I might adjust the demand destruction assumptions if prices are forecasted to test all time highs. Does that sound logical to the experts out there? Seems pretty simplistic but it’s how I used to do it in my former life. I’m curious if there are ways to improve this.

t3_tt5bis

investing

Anyone know how to invest in Zapier?

I’ve been a fan of Zapier for years as a customer and I think that they are really at the forefront of no code. I heard that some investors bought some shares. Anyone know of a way to buy into some shares while they are still somewhat small abs undervalued?

t3_tt59ny

investing

What percent of your overall portfolio do you earmark for "active/risky investing"

Hi, I couldn't find anything related to this but as the title says what do you allocate for investing in say options, individual stocks, crypto/alternative, etc? Are there any rules of thumb for this? For a back context of this: This would assume you fully take care of your 401k, IRA, emergency fund, have a stable job and already invest heavily into target date/index funds. Thank you! Edit: Thank you everyone who has lent their insights. General consensus looks to be 5-20% (with 10% for most) is the sweetsop depending on risk tolerance, individual situation, age, etc.

t3_tt3mqo

investing

There’s no reason to invest in VXUS / international etfs anymore given how tight the world market is to the US

I don’t understand the argument for having international exposure anymore. The United States rules the world, financially speaking. If the US goes belly up, so does Europe, Australia, and East Asia. China and Russia aren’t reliable. Africa, the Middle East, and South America are consistently unstable, and Europe is over regulated to death. The only place at the current time that is stable enough and innovative enough to be worthy of investing in is the US. I don’t see the point of VXUS at all.

t3_tt2zw2

investing

Reluctant to invest in real estate because it may be immoral.

Hear me out. It’s not any one person’s fault. But housing has become relatively unaffordable for the working class. Real estate has become a store of value in a way it shouldn’t partially due to the incentives in place resulting from our monetary policy. In the 80s, you could make double digit returns in a savings account. Now, savings accounts are negative real yield and significantly so. Again, this is not the fault of real estate investors. They’re just playing the game with the rules presented. I’m a small business owner with ~30 employees, and I see their struggles. My workers are not minimum wage, either. As I’ve been investing my money I’m frequently tempted to buy a rental as part of a diversified strategy, and I’ve done it before. But if I become a landlord, I “have” to directly participate in the inflationary market that makes housing less and less affordable for the working class. I don’t like that. Equities are less directly a problem because it’s less of a zero sum. Everyone can participate. But everyone “needs” housing. So, my chosen investments have been equities and Bitcoin. I’m not here to “orange pill” anyone. I just see these as open systems that don’t necessarily promote wealth inequality like real estate seems to. Can someone show me how I’m wrong from a moral standpoint assuming I care about the wealth of the working class? I’m still tempted to add rentals to my strategy. It just feels wrongish atm. Open to contrary perspectives. EDIT: Ok. So, for the first time, I understand what "RIP my Inbox" means. One small clarification. I am using the context of investment. So, the idea of charging less than cost is more like charity to me. That's fine! But, that's not what I'm talking about. I'll show you the napkin math. Median per capita income in my area is about 38k. Small (sub 1000 sqft) SFHs or condo in the same area start at $350k. With a 20% down payment, Cost comes in right about 1600 per month. This is right about 50% of GROSS income for a person here without any profit built in. Just pretty ugly. Now, a person can get help, they can buy with a partner or a family member, etc. I understand. But, the starting place is pretty ugly. So, it feels wrong to participate in that. If you're a median family of two it works okish until you add a child.

t3_tt1lyx

investing

Understanding the effect of current macro economic conditions on Apple and Microsoft

All, I'm trying to understand why the market currently favors Apple over Microsoft. Right now, Apple (176) is only slightly below its all time high (182.9). While Microsoft (312) is quite below its ath (349.67). Considering all current supply chain issues, inflation and major economies experiencing stagnation in terms of growth, wouldn't Microsoft have a much better future than apple? Microsoft mainly addresses the B2B market and a chunk of its revenues come from subscriptions. It's hard to imagine that companies would simply stop using Microsoft products and switch to something else. On the other hand, Apple is more susceptible to inflation and supply chain issues and there is no real need to buy apple products during economic downturns. Is there anything that explains why Microsoft doesn't seem to in the good books of the market right now?

t3_tt08vc

investing

Is Chaikin Analytics legitimate?

Got an email invite to hear from this respected wizard who has been performing magic. Scheduled presentation for last night and sat through it. I should know better. Sounded like they were pitching time shares in Florida. Very hard sell. For only $5000 you too can get $18000 worth of stuff and for 30 days you can get a refund in Chaikin Credits to spend on their stuff. No cash refunds because people have been signing up, looking at the materials and asking for their money back. Thoughts? Edit: Has anyone here actually signed up for this?

t3_tszb2n

investing

Dividend Questions?? Is it worth it?

Hi everyone, would someone please be able to help me understand something about dividend stocks? So I have been looking a if it would be worth saving some money into a dividend stock instead of the bank since I’m only getting .5% interest there. I look a look at coke stock to see how much I could save. But I can’t see the point, looking at the payout rate it would take you something daft like 250 years to get the money back you put into your share… what is the point in investing in a dividend stock unless your already rolling in cash?

t3_tsxx09

investing

Daily General Discussion and Advice Thread - March 31, 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_tsvlwn

investing

Investment ideas related to microplastic pollution

Microplastics are showing up in the news more and more, and the number of problems people are discovering may be linked to microplastics is increasing fast. Since microplastics do not break down on any reasonable timeline and have basically blanketed the earth, two things are true: - The problems they cause are only going to get worse as plastic continues to build up in the environment and - Solutions that can eliminate microplastics will be infinitely valuable All that said, does anyone have thoughts on ways to invest in this space, whether via solutions to problems hypothesized to be caused by microplastics (infertility is a huge one) or solutions to the microplastic problem itself?

t3_tspw5a

investing

$TLRY controversy and your opinion

i recently bought 63.5 shares of trly at 7.95 (about 500) and i’ve heard a bunch of controversies about the MORE act not passing and ive done my bit of research but what do you guys think will happen. Do you think you see it going up in the future? Maybe even by this friday after the MORE act is voted on or what? Let me know i wanna get a broad idea of what everyones thinking!!

t3_tsoahp

investing

Foresters s&s isa investment options

I'm pretty new to isas, I opened a stocks and shares isa thinking it was just a bankacount that drops of a lot of tax for investing but the foresters s&s isa wants me to invest through it into a fund if its own choice. I thought I would link my isa to a brokerage account to input and receive money from investments, is it just the foresters s&s isa that's like this or is this the case for all isas?

t3_tsn179

investing

What are my odds of getting out of this mess unscathed?

So, I am learning how to trade options while using the Fidelity ATP platform. Today, right before the close of business, my intentions were to purchase 1 contract of SPY 458 call expiring on April 14th. Instead I bought 89 of these contracts! I realized something was terribly wrong when I was instantly down $1300 and falling. I was able to get an order in to sell 5 of the contracts for a profit of $800 (not sure why only 5 of the 89 contracts sold). So here I sit, A long way until market open wondering and waiting! The only reason I had 60k in cash in the account was because I just transferred a retirement account from ED Jones to Fidelity and it was transferred in cash. Any advice on how to escape this carnage unscathed is greatly appreciated!

t3_tsljzu

investing

Am I making a mistake by selling off my mutual funds?

The wife and I started investing in some Vanguard Life Strategy funds (VASIX & VASGX) last year with cash we had sitting around in our Ally accounts. I realize now these might not have been the best investment vessels, but it's too late to undo that. • We're planning on buying a new house in about two years and decided to switch our strategy to go in cash-rich for the purchase. • We're trying to hit a target dollar value by that point, so I'm planning to sell shares at their 1 year investment marks. • Selling our >1 year VASIX shares right now will realize about a 7k loss, and the VASGX will be basically a wash. • We have no other capital gains or losses yet for the year, but plan to continue to liquidate the funds at their 1 year mark and putting them into an ALLY account. My understanding is that I can only carry 3k of the capital losses into following years, so the extra losses are just that, losses. The market may change a bit before I sell off the other shares, cancelling out some capital gains, but who knows. Does anyone see something I should be doing differently? I'm by no means an investing expert, but I'm reading enough market pessimism that's making me scared for the money that I plan on using relatively soon.

t3_tskuwa

investing

Bond funds during period of rising interest rates

I'm sure I'm overlooking something big here, and I'm hoping someone can help clear this up for me. But to me, being in a bond fund right now is worse than holding cash. It seems very likely that interest rates will be rising over the next year or two--not guaranteed but highly likely. As I understand it, the value of bond funds (the NAV) will decrease as rates increase, and that has certainly been happening since last year. For example, VBTLX is down about 6% just this year. Eventually the higher interest rates will make bond funds more attractive, but for now you're losing more principal than you are getting in dividends (which is only 2% or so for VBTLX). And the losses should continue as rates rise. At some point the higher interest rate will offset the loss in NAV, but we seem to be a ways from that happening. So why bond funds and not cash during this period of rising rates? (And I'm not really interested in the issue of why one should have some bonds and not 100% equities--I get that. I'm more interested in comparing bond funds to cash as a ballast.)

t3_tsk6q0

investing

PUBM looks interesting to me

TL/DR Pubmatic is a buy IMO Pubmatic has seen its revenue rise consistently for the past four years. Even so, PubMatic shares are trading around $26 at the time of this writing, far below their 52-week high of $76.96. A key factor impacting the stock price is the massive change happening in the digital advertising industry. With Apple and Google changing the way consumers are tracked, there is a lot of FUD around the online advertising business but IMO this creates a buying opportunity. I’m not going to try to convince you guys that I have a firm grasp on this business. Instead I’m going to regurgitate a bunch of stuff that I read on Motley Fool and Creating Alpha. PubMatic's cloud-based advertising platform helps content creators, called publishers, efficiently sell the ad space appearing alongside their website and app content. In return, publishers pay fees to PubMatic. By catering to publishers, PubMatic obtains first-party data about the audiences viewing this content for use in its platform. So while Google's impending ad targeting changes, set to happen next year, may hurt ad tech firms reliant on Google's data, PubMatic will largely maintain the targeting insights needed to deliver results to clients. In the first full quarter after Apple changed their privacy policy PUBM recorded record revenue with a 54% increase yoy. Revenue grew 15% in 2019, 31% in 2020 and 54% in 2021. Now if you’ve read this far you get to hear the kicker. This is a high growth company but get this: THEY MAKE MONEY! And the amount that they make has been steadily growing. In 2021 their fully diluted EPS was $1.00 so they are trading at a p/e of about 26 and a price/sales of 8.5. These numbers are unheard of for a growth company like this. Compare them to TTD (not really a competitor but in the same business) with p/e of 249 and price to sales of 38.18 and I think this is a steal. Position: short 10 x $40 PUBM puts 01/23 and long $12.50 PUBM calls 01/23 also, because I like to buy an industry, short: 10 x $22.50 MGNI puts 01/23 and long $7.50 MGNI calls 01/23.

t3_tsk4zf

investing

What's a semi-accurate best guess on what parties are responsible (and at what % of volume) for the roughly 1-2b shares of SPY traded monthly on average?

Obviously we will never know EXACTLY who/what traded every share. But I'm curious if we have any data available to us that can help us understand the markets better. BlackRock has IVV, Vanguard has VOO. From what I can tell, SPY is managed by State Street Global Advisors. I know the options chain is obviously part of a certain % of volume (probably a small one) because puts/calls getting exercised will always trigger shares trading hands... right? I can only imagine the complexity of the SPY options chain and won't pretend to understand even a fraction of it. The only question I have is... is it responsible for 90m shares trading a day alone? Probably a not. I don't think a lot of 401ks or pensions or any other retirement accounts where average Americans dollar-cost-average a portion of their paycheck income/savings end up in SPY. That takes out "institutional investing" into SPY, right? If not... what institutions are buying SPY? What product are they offering on top of it, and to who? How large are they? Why wouldn't their customers just buy SPY themselves? I don't think retail traders/retail day traders/retail swing traders/anything retail are a huge % of the market when speaking about a daily volume perspective. I don't know how big the retail trading market is (on a daily or weekly or monthly scale) but I'd love to learn more. I'm going to guess it's 5-20% of daily volume, being extremely generous. I agree that it's asinine to even think retail is responsible for 20% of daily volume but... I literally can't even estimate/guess/come up with a hypothesis on where the other 95% of the daily volume from SPY comes from. Do other asset management companies (who aren't big enough to have their own S&P ETF offerings) charge their clients a fee to put their money in SPY for them behind the scenes, and they are daily rebalancing? Is that where some of the volume comes from? I know a lot of algorithms are fighting each other for fractions of a penny all day at rapid speed, shaving nanoseconds off and frontrunning buy/sell orders from Robinhood (and others) to make money at scale. But... they can't just trade in between each other all day, can they? Like... there are only so many Robinhood buyers, and all of their volume isn't going to SPY... If "market makers" are behind the majority of volume because they are providing liquidity, who are the buyers and sellers on each side? We already determined the majority is not retail, not institutions since they would be targeting mutual funds instead of the ETF. The market is open from 9:30am -> 4:00pm (6.5 hours, 23.4k seconds). If you ignore pre-market and after-hours (not sure what % of daily volume these two trading windows are responsible for, I'm going to guess less than 10%), you're talking about roughly 2b shares traded in a 21 day window, roughly 95.2m shares per day, just over 4,070 shares a second. What parties are buying and selling 4k shares a second every second of every trading day on average for the entire year on average? > According to a 2017 JPMorgan analysis, passive investors like ETFs and quantitative investment accounts, which utilize high-frequency algorithmic trading, were responsible for about 60 percent of overall trading volumes while "fundamental discretionary traders" (or traders who evaluate the fundamental factors affecting a stock before making an investment) comprised only 10 percent of the overall figures. [1] [1] https://www.investopedia.com/terms/v/volume.asp SPY is traded on NYSEARCA. > NYSE Arca is an electronic securities exchange in the U.S. on which exchange-traded products (ETPs) and equities are listed. NYSE Arca is the world’s leading ETF exchange in terms of volume and listings. On Nov. 7, 2021, the exchange had a commanding 17.3% of the ETF market share in the United States. It claimed to have 2,683 individual ETFs listed with $6.67 trillion in total assets under management (AUM). NYSE Arca also offers the narrowest bid-ask spreads and quotes the most time at the best prices across all U.S. ECNs. [2] [2] https://www.investopedia.com/terms/n/nyse-arca.asp > NYSE Arca Equities is a fully electronic stock exchange offering trading in more than 8,000 exchange-listed equity securities, including listings on Nasdaq. The trading platform connects traders to multiple US market centers, providing customers with fast electronic execution and open, direct and anonymous market access. The market structure of the stock exchange provides advantages of displayed and dark liquidity, transparency and efficiency. Trades are processed on a price-time priority basis. Generally, fees are assessed for removing liquidity and rebates may be provided for adding liquidity. Complete details regarding NYSE Arca's pricing structure are available on the NYSE Euronext website. Upon execution, trade details are transmitted to the National Securities Clearing Corporation (NSCC) for clearance and settlement via the Regional Interface Organization (RIO). [3] [3] https://www.interactivebrokers.com/en/index.php?f=2589

t3_tsirle

investing

SCHD/QQQM for the long term?

I am thinking of ways to restructure my long term portfolio going forward. I've had QQQ as a core holding for the past few years. Large cap tech growth has done phenomenally obviously. But, given the current financial climate, how much positive EV is left here right now? I feel like I might need to go for a bit of a barbell approach and introduce SCHD into the mix to diversify out of large cap growth into large cap value/dividend aristocrats. I am also toying with the idea of adding AVUV/AVDV/AVEM to get small cap value and international markets exposure.Some think they are poised to outperform in the next years. So, something like: 40% SCHD 25% QQQM 15% AVUV 10% AVDV 10% AVEM I kind of like this because all have minimal to no overlap between each other. Didn't want to go with VOO as it already has significant overlap with QQQ in terms of large cap growth.And if we do go into a recession in the next few quarters growth plays will get hit the hardest. Plus, SCHD provides some dividend income that can be used to buy potential dips. I might switch the allocation between SCHD/QQQM around again in the next few years if I see that large cap growth sufficiently bottomed.

t3_tsgjln

investing

Is there a loan service that can assist with exercising expiring options to hold?

Hello all, I am new to options trading and have a contract that expires in 15 days so I want to wage my options. Instead of having the option expire I want to exercise it if I'm unable to sell the contract and just hold onto the stock. Would this be a good idea and is there a service that would loan out the capital to cover that cost? I've read some company's do that but like EquityBee they prefer extensive investment portfolio's or being a startup employee. Any suggestions would be helpful.

t3_tsd0rr

investing

Voo DRIP charged at a premium?

So naturally I set all my investments to DRIP but today I noticed my dividend from VOO was purchased at a 9.2% premium to the current price (459.66 vs the 424.29 acutal ending 3/29 price). Now ive heard of companies discounting DRIPs but never charging a premium. Is this information I’d find on the prospectus?

t3_tsbftu

investing

Investing In China; Risk/Reward Li Lu thinks it is the market for value/sophisticated investors.

With investing in **Chinese stocks** there are **three type of risks** that investors are mainly concerned with and that you should think about, besides the business itself. I would like to note that there are always risks with investing, and there is always something to worry about so don’t let it trouble your view. I think **Mr. Market is very drunk** with investing in China, with really big swings on news. You should always look at the risks/reward and weigh them. Full article risk, potential rewards, and videos about what Li Lu and Charlie Munger say can be found here: [https://www.financialstockdata.com/article\_chinese\_stock\_market](https://www.financialstockdata.com/article_chinese_stock_market) Here you can also find the snippet of Li Lu's interview where he says that he thinks it is the market for value/sophisticated investors. **The Risks:** **VIE structure risk** The shares you hold when you buy Chinese stock on are Variable Interest Entities, these are shell companies of the company. The shell companies have contracts with which they own the right to the dividends and profits of these companies. In this sense you don’t own the company directly, so you do not own their assets. People are afraid the government will just remove them, I don't see why this would be a very logical thing for the Chinese government to do. This should be taken into account. If you are interested and have great investors' thoughts on it you can view **Charlie Mungers thoughts on it down below.** [**https://www.youtube.com/watch?v=zdqlH2XcnwM**](https://www.youtube.com/watch?v=zdqlH2XcnwM) **Government risk** The government has been tightening rules on big tech and been handing out big fines. But it has already stated that they will ease a bit again, so not really big risk in my opinion. **Auditing and Delisting risk** The financial numbers and figures of these companies do not get checked by any United State regulators, with all other foreign companies this needs to be done on the American exchanges. For this reason, the SEC will delist stocks if an agreement is not reached. However, if can transfer your shares to Honk Kong shares with certain brokers if this happens and if you buy your shares in Honk Kong there is nothing going on. **Moreover, both parties have stated that they want to work this out, there is news about this** [**here**](https://cnevpost.com/2022/03/11/china-us-expected-to-reach-consensus-on-audit-regulatory-cooperation-soon-report-says/amp/) **. A report stated that they expect to reach a consensus.** I do have to note that expecting to reach consensus is not the same as reaching consensus and the sec as stated that they just need certain things from these companies. Moreover, Beijing has released support for foreign listing, which can be viewed in the article [here](https://finance.yahoo.com/news/china-tech-stocks-rebound-dip-012706093.html). **Potential rewards of investing in China** These are real risks, but with the stocks dropping very hard in 2021, 2022 certain Chinese stocks could have become worth the risk/reward. **Crashes** are great places for investors to investigate and look. In terms of the strength of the business and the price of the stocks, you get a lot of value. Tencent and Alibaba are great businesses with a competitive advantage trading at low prices in relation to their growth. Investors like Charlie Munger, Monish Pabrai started investing in Alibaba and Tencent in 2021. [https://www.youtube.com/watch?v=37yQNu2VNdM&t=8s](https://www.youtube.com/watch?v=37yQNu2VNdM&t=8s) **Economically** if you like looking at that China has a growing middle class and a strong growing economy ( with its cycles of course) which Chinese companies could benefit from. People are very strongly opinioned on investing in China. I would like to see arguments if you disagree great tell me what you think. Don't hate, explain why you think someone is wrong and what you think.

t3_ts5e5k

investing

How to prepare for a recession

I'm not trying to start a panic discussion so please take that elsewhere. This is a serious question that I'm curious about. When it comes to my investments (and all of our investments), how can we best prepare for the *potentially* coming recession? For context: I have a Roth, 401K through work, and some crypto (real crypto, not meme-coins), all of which are contributed to regularly, plus a decent savings between my partner and I.

t3_ts3en7

investing

Law regarding exemption from CG (bad formatting, from phone)

I'm writing this to ask the community if anyone knows if what I recall has any merit or if it's just plain wrong. Some time ago I read a paper about funds that avoided some form of taxation (CG I believe is the most likely) by never holding stocks overnight, hence only capturing daily movements (which is itself strange as for the last 20 years, SPY daily is almost flat while most of the gains happen overnight). If this strategy permits the exemption from a particular type of taxation, then it could have some merit. This strategy could have to do with the fact that in the US, the redemption of appreciated stocks to a partner, such as a broker, from a mutual fund is treated by the IRS as a tax-exempt event. I also can't recall if it was about the US or European market. This memory is from a long time ago, I apologize if it's not very clear. Any help is appreciated! TL;DR: Some funds MAY avoid taxation by not holding positions overnight due to a specific law / loophole.

t3_ts3487

investing

Daily General Discussion and Advice Thread - March 30, 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_ts26jb

investing

50k life savings, put where?

I've had my savings (50k) sitting in a M1 Plus Spend account generating 1% APY. I figured this was a good temporary option until my free trial for a plus account was up. I am curious to where i should put this money now, and how much of it I should invest. I have about $500 in a '2045 aggressive' grouping of various vanguard mutual funds, how much of my savings should i add to this (or something else?)

t3_ts0pb4

investing

AT&T Announces Details for Completion of WM Spin-Off

How do you all think this will affect the price of AT&T stock after the spin off? I've read some predictions of a $3-4 drop after the spin-off. https://about.att.com/story/2022/details-for-completion-of-warnermedia-spinoff.html DALLAS, March 25, 2022 — Today AT&T Inc.* (NYSE:T) announced that it has declared a stock dividend to effect the spin-off of 100% of AT&T’s interest in WarnerMedia to AT&T’s shareholders. The record date for the stock dividend is the close of business on April 5, 2022. This stock dividend is in connection with the previously announced transaction to combine AT&T’s WarnerMedia business with Discovery, Inc. (NASDAQ: DISCA, DISCB, DISCK). On the closing date of the transaction, anticipated to be in April, AT&T shareholders will receive, on a tax-free basis, an estimated 0.24 shares of stock in Warner Bros. Discovery, Inc. (WBD) for each share of AT&T common stock.  AT&T shareholders as of the stock dividend record date will be entitled to receive shares of WarnerMedia Spinco common stock, representing 100% of AT&T’s interest in WarnerMedia. Immediately following this spin-off, the WarnerMedia Spinco shares will be exchanged for stock representing approximately 71% of the new WBD on a fully diluted basis. The exact number of shares of WBD common stock to be received by AT&T shareholders for each AT&T common share will be determined immediately before the closing based on the number of shares of AT&T common stock outstanding and the number of shares of Discovery common stock outstanding on an as‑converted and as‑exercised basis. AT&T shareholders do not need to take any action. Their WarnerMedia Spinco shares will automatically be exchanged for WBD common stock in the merger, which will occur on the closing date of the transaction. Following close of the transaction, AT&T shareholders will continue to hold, along with their new shares of WBD common stock, the same number of shares of AT&T common stock they held immediately prior to close. After close, investors should expect that AT&T’s share price will adjust to reflect the transfer of the WarnerMedia business to the newly formed Warner Bros. Discovery entity. Factors that May Affect the Timing of the Spin-Off The timing of the spin-off is subject to the satisfaction or waiver of the closing conditions for the transaction. If certain closing conditions are not satisfied or waived in advance of April 5, AT&T may elect to change the stock dividend record date to a later date. AT&T Declares Dividends on Common and Preferred Stock With the close of the pending WarnerMedia transaction expected in April, the AT&T board of directors today also declared a second quarter dividend of $0.2775 per share on the company’s common stock. While future dividends remain subject to board approval, this amount is consistent with AT&T’s previous announcement that the board had approved an expected post-close annual common dividend of $1.11 per share. At the updated rate, AT&T’s stock remains among the best dividend-yielding stocks in the United States and in the Fortune 500. Additionally, the board of directors declared quarterly dividends on the company’s 5.000% Perpetual Preferred Stock, Series A, and the company’s 4.750% Perpetual Preferred Stock, Series C. The Series A dividend is $312.50 per preferred share, or $0.3125 per depositary share. The Series C dividend is $296.875 per preferred share, or $0.296875 per depositary share. Dividends on the common stock and Series A and Series C preferred stock are payable on May 2, 2022, to shareholders of record of the respective shares at the close of business on April 14, 2022. The board of directors also declared an annual dividend on the company’s Fixed Rate Reset Perpetual Preferred Stock, Series B, of €2,875.00 per preferred share. Dividends on the Series B preferred stock are payable on May 3, 2022, to shareholders of record as of the close of business on April 14, 2022. Two-Way Trading for AT&T Stock Expected to Begin on April 4 AT&T has been advised by the New York Stock Exchange (the NYSE) that beginning on the trading day immediately prior to the April 5 record date for the spin-off distribution (currently April 4) and continuing through the close of trading on the business day before the closing date of the merger,1 there will be two markets in AT&T common stock on the NYSE: a "regular way" market and an "ex-distribution" market. During this period of two-way trading in AT&T common stock, there will also be a market on the Nasdaq for WBD common stock on a “when issued” (“WI”) basis. The trading options that will be available during the two-way trading period are: AT&T Regular Way Trading If, during the period of two-way trading, an AT&T shareholder sells a share of AT&T common stock in the regular way market under AT&T's NYSE symbol, "T," the shareholder will be selling both the share of AT&T common stock and the right to receive shares of WBD common stock in the transaction. AT&T Ex-distribution Trading If, during the period of two-way trading, an AT&T shareholder sells a share of AT&T common stock in the ex-distribution market under the temporary NYSE symbol "T WI," the AT&T shareholder will be selling only a share of AT&T common stock and will retain the right to receive shares of WBD common stock in the transaction. WBDWV Trading During the two-way trading period, an AT&T shareholder also has the option of selling the right to receive shares of WBD common stock while retaining shares of AT&T common stock. This option will be available under the temporary Nasdaq symbol "WBDWV". Trades under the symbols "T WI" and "WBDWV" will settle after the closing date of the WarnerMedia-Discovery transaction. If the transaction is not completed, all trades made under these temporary symbols will be cancelled. In all cases, investors should consult with their financial and tax advisors regarding the specific implications of selling shares of their AT&T common stock or the right to receive shares of WBD common stock on or before the closing date of the WarnerMedia-Discovery transaction.

t3_trzp4j

investing

Wash sale across 2 different brokerages, will it confuse the IRS and thus be a red flag?

I sold shares at a loss at one brokerage. Now it's much lower than what I sold it for and I want to buy it back. But the brokerage I sold it at is charging the equivalent of a 1% commission. My other brokerage doesn't have that fee. So I'm thinking about buying it back using my other brokerage. This will be a wash sale. But this won't be coordinated between the two brokerages. So my 1099 from the first broker will note the loss and the second broker won't have any idea. I would report the wash sale when I file but my return won't match the 1099s from the brokers. The 1099 from the first broker will say I had a big loss but my return will not since it's a wash sale applied to the shares bought from the second broker. In future, after I sell at the second broker their 1099 will show a gain but on my return it might still be a loss because of the wash. Will the IRS be confused by all this and thus cause a problem? It's all on the up and up and I would be able to show them at an audit. But I don't want to go asking for an audit.

t3_trx80a

investing

Doordash has the best app. It will continue to take share

Doordash is on a tear. It is crushing Eats/Postmates share. Their apps simply aren't good. If they can't hold onto demand, supply will falter. This space is more differentiated than rideshare, where the service is a larger part, and the app matters less. For rideshare, you need to select 2 locations. For food, there is order and variant complexity. No one can handle this like Doordash. I experienced the same thing with iFood and Rappi in Brazil. Would be very worried about iFood losing all of it's share to a superior app. Rappi is executing better at everything— 15 minute delivery, market, pharmacy, alcohol. As Doordash takes core share, it can expand into more verticals in more categories, as other platforms struggle to get off the ground. Long $DASH. [https://secondmeasure.com/datapoints/food-delivery-services-grubhub-uber-eats-doordash-postmates/](https://secondmeasure.com/datapoints/food-delivery-services-grubhub-uber-eats-doordash-postmates/) ​

t3_tru1xi

investing

Home made screener using EDGAR

I know there are tools and service that do this better but I wanted to learn some programming and how to use the SEC EDGAR API to fetch all the financial statements for some 12k+ traded entities  [SEC.gov | About EDGAR](https://www.sec.gov/edgar/about) Next, I had to parse through electronic financial statement filing (still trying to determine the many variations of what seemingly is the same thing [Taxonomy Viewer (fasb.org)](https://xbrlview.fasb.org/yeti/resources/yeti-gwt/Yeti.jsp) Settled on these terms   * Revenues \[Revenue\] * IncomeLossFromContinuingOperations \[Income\] * CashAndCashEquivalentsAtCarryingValue \[Cash\] * LongTermDebt \[Debt\] * PaymentsOfDividends \[Dividends\] * AssetsCurrent \[Assests\] * LiabilitiesCurrent \[Liabilities\] * CommonStockSharesOutstanding \[Shares\] and then developed a few pseudo ratios as follows:  Leverage = \[Liabilities\]/\[Assests\] Liquidity = \[Cash\]/\[Income\] DebtRatio = \[Debt\]/\[Revenue\] Profitability = \[Income\]/\[Revenue\] Payout = \[Dividends\]/\[Income\] EPS = \[Income\] / \[Shares\] Applied some filters, sorted and here is what I got. (table is trimmed to fit the post size limit). There is some bad data so I think there will be some invalid entries but does this in general pass the smell test? ​ |Entity|Yahoo|Profitability|Liquidity|Payout|Leverage|DebtRatio| |:-|:-|:-|:-|:-|:-|:-| |EnerSys|[https://finance.yahoo.com/quote/ENS](https://finance.yahoo.com/quote/ENS)|3.58|0.94|0.05|0.39|0.41| |CLEARONEINC|[https://finance.yahoo.com/quote/CLRO](https://finance.yahoo.com/quote/CLRO)|1.25|4.45|0.15|0.24|0.03| |ADVANCEDENERGYINDUSTRIESINC|[https://finance.yahoo.com/quote/AEIS](https://finance.yahoo.com/quote/AEIS)|1.00|1.64|0.00|0.26|0.38| |BEDBATHBEYONDINC|[https://finance.yahoo.com/quote/BBBY](https://finance.yahoo.com/quote/BBBY)|0.95|0.53|0.01|0.47|0.17| |HELMERICH PAYNE INC|[https://finance.yahoo.com/quote/HP](https://finance.yahoo.com/quote/HP)|0.81|0.71|0.00|0.35|0.25| |MSCIINC|[https://finance.yahoo.com/quote/MSCI](https://finance.yahoo.com/quote/MSCI)|0.80|0.79|0.07|0.57|0.29| |PROGRESSSOFTWARECORPMA|[https://finance.yahoo.com/quote/PRGS](https://finance.yahoo.com/quote/PRGS)|0.75|2.53|0.10|0.63|0.28| |ApolloMedicalHoldingsInc|[https://finance.yahoo.com/quote/AMEH](https://finance.yahoo.com/quote/AMEH)|0.69|2.15|0.19|0.41|0.21| |GILEADSCIENCESINC|[https://finance.yahoo.com/quote/GILD](https://finance.yahoo.com/quote/GILD)|0.67|0.84|0.15|0.41|0.35| |LASVEGASSANDSCORP|[https://finance.yahoo.com/quote/LVS](https://finance.yahoo.com/quote/LVS)|0.67|0.84|0.27|0.61|| |HALLIBURTONCOMPANY|[https://finance.yahoo.com/quote/HAL](https://finance.yahoo.com/quote/HAL)|0.65|2.39|0.03|0.37|0.47| |SANDERSONFARMSINC|[https://finance.yahoo.com/quote/SAFM](https://finance.yahoo.com/quote/SAFM)|0.63|1.01|0.15|0.31|0.01| |INTUITINC|[https://finance.yahoo.com/quote/INTU](https://finance.yahoo.com/quote/INTU)|0.63|0.66|0.12|0.65|0.07| |KAISERALUMINUMCORP|[https://finance.yahoo.com/quote/KALU](https://finance.yahoo.com/quote/KALU)|0.60|1.63|0.06|0.28|0.00| |PARKAEROSPACECORP|[https://finance.yahoo.com/quote/PKE](https://finance.yahoo.com/quote/PKE)|0.57|7.23|1.65|0.07|0.38| |HENNESSYADVISORSINC|[https://finance.yahoo.com/quote/HNNA](https://finance.yahoo.com/quote/HNNA)|0.57|1.02|0.12|0.52|0.10| |UBIQUITIINC|[https://finance.yahoo.com/quote/UI](https://finance.yahoo.com/quote/UI)|0.57|0.88|0.06|0.19|0.14| |APPLIEDMATERIALSINCDE|[https://finance.yahoo.com/quote/AMAT](https://finance.yahoo.com/quote/AMAT)|0.56|1.70|0.22|0.38|0.39| |EBIXINC|[https://finance.yahoo.com/quote/EBIX](https://finance.yahoo.com/quote/EBIX)|0.55|0.41|0.04|0.61|0.17| |CISCOSYSTEMSINC|[https://finance.yahoo.com/quote/CSCO](https://finance.yahoo.com/quote/CSCO)|0.53|0.66|0.25|0.38|0.48| |NetAppInc|[https://finance.yahoo.com/quote/NTAP](https://finance.yahoo.com/quote/NTAP)|0.52|3.61|0.23|0.54|0.46| |VERISIGNINCCA|[https://finance.yahoo.com/quote/VRSN](https://finance.yahoo.com/quote/VRSN)|0.52|1.52|0.07|0.69|0.01| |VALVOLINEINC|[https://finance.yahoo.com/quote/VVV](https://finance.yahoo.com/quote/VVV)|0.47|0.33|0.08|0.48|| |GENPACTLIMITED|[https://finance.yahoo.com/quote/G](https://finance.yahoo.com/quote/G)|0.45|1.08|0.01|0.56|0.37| |MERIDIANBIOSCIENCEINC|[https://finance.yahoo.com/quote/VIVO](https://finance.yahoo.com/quote/VIVO)|0.43|1.18|0.05|0.18|| |MORNINGSTARINC|[https://finance.yahoo.com/quote/MORN](https://finance.yahoo.com/quote/MORN)|0.43|1.07|0.11|0.66|0.07| |FACTSETRESEARCHSYSTEMSINC|[https://finance.yahoo.com/quote/FDS](https://finance.yahoo.com/quote/FDS)|0.42|0.54|0.14|0.41|0.15| |SIGNETJEWELERSLIMITED|[https://finance.yahoo.com/quote/SIG](https://finance.yahoo.com/quote/SIG)|0.42|1.03|0.00|0.34|0.04| |WD40CO|[https://finance.yahoo.com/quote/WDFC](https://finance.yahoo.com/quote/WDFC)|0.41|1.04|0.36|0.44|0.15| |InterDigitalInc|[https://finance.yahoo.com/quote/IDCC](https://finance.yahoo.com/quote/IDCC)|0.37|2.42|0.17|0.28|0.08| |ResMedInc|[https://finance.yahoo.com/quote/RMD](https://finance.yahoo.com/quote/RMD)|0.35|1.92|0.29|0.32|0.23| |GRACOINC|[https://finance.yahoo.com/quote/GGG](https://finance.yahoo.com/quote/GGG)|0.35|0.42|0.26|0.31|| |COLUMBIASPORTSWEARCOMPANY|[https://finance.yahoo.com/quote/COLM](https://finance.yahoo.com/quote/COLM)|0.34|2.24|0.02|0.32|| |HEMISPHEREMEDIAGROUPINC|[https://finance.yahoo.com/quote/HMTV](https://finance.yahoo.com/quote/HMTV)|0.32|2.37|0.04|0.22|| |INSIGNIASYSTEMSINCMN|[https://finance.yahoo.com/quote/ISIG](https://finance.yahoo.com/quote/ISIG)|0.32|2.69|0.54|0.28|| |WEYCOGROUPINC|[https://finance.yahoo.com/quote/WEYS](https://finance.yahoo.com/quote/WEYS)|0.32|0.89|0.26|0.28|| |VIRTUSINVESTMENTPARTNERSINC|[https://finance.yahoo.com/quote/VRTS](https://finance.yahoo.com/quote/VRTS)|0.32|0.86|0.02|0.44|0.04| |FreeportMcMoRanInc|[https://finance.yahoo.com/quote/FCX](https://finance.yahoo.com/quote/FCX)|0.31|0.92|0.14|0.41|0.16| |NATIONALPRESTOINDUSTRIESINC|[https://finance.yahoo.com/quote/NPK](https://finance.yahoo.com/quote/NPK)|0.30|0.93|0.18|0.17|| |CRANECO|[https://finance.yahoo.com/quote/CR](https://finance.yahoo.com/quote/CR)|0.29|1.03|0.16|0.53|0.09| |WisdomTreeInvestmentsInc|[https://finance.yahoo.com/quote/WETF](https://finance.yahoo.com/quote/WETF)|0.28|3.43|0.66|0.33|0.32| |INTERPARFUMSINC|[https://finance.yahoo.com/quote/IPAR](https://finance.yahoo.com/quote/IPAR)|0.28|2.11|0.17|0.32|0.04| |CHASECORP|[https://finance.yahoo.com/quote/CCF](https://finance.yahoo.com/quote/CCF)|0.27|1.23|0.14|0.27|0.09| |LOUISIANAPACIFICCORPORATION|[https://finance.yahoo.com/quote/LPX](https://finance.yahoo.com/quote/LPX)|0.27|2.73|0.09|0.23|0.46| |STRYKERCORP|[https://finance.yahoo.com/quote/SYK](https://finance.yahoo.com/quote/SYK)|0.26|1.27|0.25|0.38|0.01| |NVIDIACORP|[https://finance.yahoo.com/quote/NVDA](https://finance.yahoo.com/quote/NVDA)|0.26|0.96|0.11|0.19|0.19| |STARBUCKSCORP|[https://finance.yahoo.com/quote/SBUX](https://finance.yahoo.com/quote/SBUX)|0.26|0.83|0.24|0.77|0.21| |BRileyFinancialInc|[https://finance.yahoo.com/quote/RILY](https://finance.yahoo.com/quote/RILY)|0.26|0.62|0.02|0.49|0.02| |TRACTORSUPPLYCODE|[https://finance.yahoo.com/quote/TSCO](https://finance.yahoo.com/quote/TSCO)|0.25|0.42|0.16|0.52|0.01| |KORNFERRY|[https://finance.yahoo.com/quote/KFY](https://finance.yahoo.com/quote/KFY)|0.25|2.54|0.00|0.53|0.00| |MASIMOCORP|[https://finance.yahoo.com/quote/MASI](https://finance.yahoo.com/quote/MASI)|0.25|1.06|0.07|0.27|| |QUALCOMMINCDE|[https://finance.yahoo.com/quote/QCOM](https://finance.yahoo.com/quote/QCOM)|0.25|1.14|0.06|0.36|0.14| |CALMAINEFOODSINC|[https://finance.yahoo.com/quote/CALM](https://finance.yahoo.com/quote/CALM)|0.24|0.49|0.28|0.21|0.04| |FORTUNEBRANDSHOMESECURITYINC|[https://finance.yahoo.com/quote/FBHS](https://finance.yahoo.com/quote/FBHS)|0.23|0.35|0.10|0.62|0.27| |RBCBEARINGSINCORPORATED|[https://finance.yahoo.com/quote/ROLL](https://finance.yahoo.com/quote/ROLL)|0.23|1.00|0.03|0.16|0.01| |ETHANALLENINTERIORSINC|[https://finance.yahoo.com/quote/ETD](https://finance.yahoo.com/quote/ETD)|0.23|1.40|0.35|0.54|0.16| |BROADRIDGEFINANCIALSOLUTIONSINC|[https://finance.yahoo.com/quote/BR](https://finance.yahoo.com/quote/BR)|0.23|0.70|0.22|0.73|0.18| |ULTABEAUTYINC|[https://finance.yahoo.com/quote/ULTA](https://finance.yahoo.com/quote/ULTA)|0.22|0.43|0.01|0.42|| |AdtalemGlobalEducationInc|[https://finance.yahoo.com/quote/ATGE](https://finance.yahoo.com/quote/ATGE)|0.22|1.78|0.00|0.57|0.14| |SEIINVESTMENTSCOMPANY|[https://finance.yahoo.com/quote/SEIC](https://finance.yahoo.com/quote/SEIC)|0.22|1.92|0.22|0.23|| |GAPINC|[https://finance.yahoo.com/quote/GPS](https://finance.yahoo.com/quote/GPS)|0.22|1.37|0.20|0.57|0.07| |LantheusHoldingsInc|[https://finance.yahoo.com/quote/LNTH](https://finance.yahoo.com/quote/LNTH)|0.22|1.80|0.00|0.37|0.16| |HUNTINGTONINGALLSINDUSTRIESINC|[https://finance.yahoo.com/quote/HII](https://finance.yahoo.com/quote/HII)|0.21|0.86|0.22|0.72|0.21| |CVRENERGYINC|[https://finance.yahoo.com/quote/CVI](https://finance.yahoo.com/quote/CVI)|0.21|1.08|0.43|0.41|| |MarcusMillichapInc|[https://finance.yahoo.com/quote/MMI](https://finance.yahoo.com/quote/MMI)|0.21|1.06|0.05|0.32|| |BASSETTFURNITUREINDUSTRIESINC|[https://finance.yahoo.com/quote/BSET](https://finance.yahoo.com/quote/BSET)|0.21|2.71|0.44|0.53|0.03| |SimulationsPlusInc|[https://finance.yahoo.com/quote/SLP](https://finance.yahoo.com/quote/SLP)|0.21|2.15|0.47|0.10|0.02| |UNIVERSALDISPLAYCORPORATION|[https://finance.yahoo.com/quote/OLED](https://finance.yahoo.com/quote/OLED)|0.20|2.01|0.09|0.15|| |WABASHNATIONALCorp|[https://finance.yahoo.com/quote/WNC](https://finance.yahoo.com/quote/WNC)|0.20|1.40|0.07|0.46|0.16| |TERADYNEINC|[https://finance.yahoo.com/quote/TER](https://finance.yahoo.com/quote/TER)|0.20|1.10|0.07|0.28|0.01| |PingtanMarineEnterpriseLtd|[https://finance.yahoo.com/quote/PME](https://finance.yahoo.com/quote/PME)|0.20|1.22|0.06|0.78|0.49| |NOBILITYHOMESINC|[https://finance.yahoo.com/quote/NOBH](https://finance.yahoo.com/quote/NOBH)|0.20|8.79|0.31|0.15|| |LAZBOYINC|[https://finance.yahoo.com/quote/LZB](https://finance.yahoo.com/quote/LZB)|0.20|1.55|0.12|0.40|0.00| |ROCKYBRANDSINC|[https://finance.yahoo.com/quote/RCKY](https://finance.yahoo.com/quote/RCKY)|0.19|0.62|0.10|0.19|0.19| |HECLAMININGCODE|[https://finance.yahoo.com/quote/HL](https://finance.yahoo.com/quote/HL)|0.19|7.31|0.09|0.44|| |PowerIntegrationsInc|[https://finance.yahoo.com/quote/POWI](https://finance.yahoo.com/quote/POWI)|0.19|2.31|0.23|0.15|| |ZiffDavisInc|[https://finance.yahoo.com/quote/ZD](https://finance.yahoo.com/quote/ZD)|0.18|1.51|0.22|0.62|0.41| |TENNANTCO|[https://finance.yahoo.com/quote/TNC](https://finance.yahoo.com/quote/TNC)|0.18|0.96|0.25|0.50|0.05| |GameStopCorp|[https://finance.yahoo.com/quote/GME](https://finance.yahoo.com/quote/GME)|0.17|2.23|0.21|0.79|0.08| |FutureFuelCorp|[https://finance.yahoo.com/quote/FF](https://finance.yahoo.com/quote/FF)|0.17|3.28|0.86|0.16|| |COHERENTINC|[https://finance.yahoo.com/quote/COHR](https://finance.yahoo.com/quote/COHR)|0.16|2.58|0.01|0.25|0.04| |TRIMASCORP|[https://finance.yahoo.com/quote/TRS](https://finance.yahoo.com/quote/TRS)|0.16|0.81|0.00|0.56|0.26| |HEARTLANDEXPRESSINC|[https://finance.yahoo.com/quote/HTLD](https://finance.yahoo.com/quote/HTLD)|0.16|0.68|0.13|0.35|0.01| |KEWAUNEESCIENTIFICCORPDE|[https://finance.yahoo.com/quote/KEQU](https://finance.yahoo.com/quote/KEQU)|0.16|1.66|0.25|0.46|0.06| |HACKETTGROUPINC|[https://finance.yahoo.com/quote/HCKT](https://finance.yahoo.com/quote/HCKT)|0.15|0.70|0.13|0.61|0.02| |CSGSYSTEMSINTERNATIONALINC|[https://finance.yahoo.com/quote/CSGS](https://finance.yahoo.com/quote/CSGS)|0.15|0.96|0.11|0.56|0.18| |EnovaInternationalInc|[https://finance.yahoo.com/quote/ENVA](https://finance.yahoo.com/quote/ENVA)|0.15|0.43|0.08|0.14|0.38| |COLUMBUSMCKINNONCORP|[https://finance.yahoo.com/quote/CMCO](https://finance.yahoo.com/quote/CMCO)|0.14|1.29|0.02|0.43|0.27| |NovaLifestyleInc|[https://finance.yahoo.com/quote/NVFY](https://finance.yahoo.com/quote/NVFY)|0.14|1.64|0.05|0.19|| |BRUKERCORP|[https://finance.yahoo.com/quote/BRKR](https://finance.yahoo.com/quote/BRKR)|0.14|1.31|0.01|0.45|0.11| |JJSNACKFOODSCORP|[https://finance.yahoo.com/quote/JJSF](https://finance.yahoo.com/quote/JJSF)|0.14|1.68|0.24|0.29|| |JerashHoldingsUSInc|[https://finance.yahoo.com/quote/JRSH](https://finance.yahoo.com/quote/JRSH)|0.13|2.23|0.21|0.20|| |FLANIGANSENTERPRISESINC|[https://finance.yahoo.com/quote/BDL](https://finance.yahoo.com/quote/BDL)|0.13|1.51|0.00|0.70|0.08| |HURCOCOMPANIESINC|[https://finance.yahoo.com/quote/HURC](https://finance.yahoo.com/quote/HURC)|0.13|2.32|0.06|0.28|| |BalchemCorporation|[https://finance.yahoo.com/quote/BCPC](https://finance.yahoo.com/quote/BCPC)|0.12|1.25|0.11|0.35|0.04| |STEELCASEINC|[https://finance.yahoo.com/quote/SCS](https://finance.yahoo.com/quote/SCS)|0.12|0.99|0.22|0.63|0.11| |PHIBROANIMALHEALTHCORP|[https://finance.yahoo.com/quote/PAHC](https://finance.yahoo.com/quote/PAHC)|0.12|0.53|0.17|0.34|0.03| |MATCHGROUPINC|[https://finance.yahoo.com/quote/MTCH](https://finance.yahoo.com/quote/MTCH)|0.12|3.14|0.01|0.37|0.19| |GENERALDYNAMICSCORPORATION|[https://finance.yahoo.com/quote/GD](https://finance.yahoo.com/quote/GD)|0.11|0.88|0.22|0.77|0.06| |SONOCOPRODUCTSCOMPANY|[https://finance.yahoo.com/quote/SON](https://finance.yahoo.com/quote/SON)|0.11|0.66|0.25|0.72|0.16| |OwensCorning|[https://finance.yahoo.com/quote/OC](https://finance.yahoo.com/quote/OC)|0.11|0.60|0.15|0.60|0.39| |SCHLUMBERGERLIMITEDNV|[https://finance.yahoo.com/quote/SLB](https://finance.yahoo.com/quote/SLB)|0.11|0.33|0.69|0.63|| |UFPINDUSTRIESINC|[https://finance.yahoo.com/quote/UFPI](https://finance.yahoo.com/quote/UFPI)|0.11|0.50|0.09|0.32|0.04| |MEDIFASTINC|[https://finance.yahoo.com/quote/MED](https://finance.yahoo.com/quote/MED)|0.11|1.04|0.25|0.39||

t3_trtxpz

investing

"The market is punishing US companies that rely on international supply chains or have a high international manufacturing footprint." - Goldman

See https://twitter.com/jessefelder/status/1508852329633644544 for a chart and the original article (paywalled). With an overweight to companies like Cleveland Cliffs and Alcoa, I am outperforming the indices so far this year. I think this trend can continue, although not in a straight line.

t3_trt2d4

investing

Does paying AMT reset cost basis?

I have some ISO stocks which I exercised and recently paid AMT for. They have now cleared the period of time required to be taxed as long-term capital gains. However thanks to the market they are now losses vs the FMV at time of exercise. Given that I paid AMT on that FMV, does that now count as the cost basis for these stocks? If I sell them, can I harvest tax losses? Or will they still count as gains vs the original strike price?

t3_trlc75

investing

Anyone have experience with EquityBee on the investor side?

On paper EquityBee looks appealing, but they can't share historical performance and I can't find much of anything online about from the investor point of view. Does anyone here have experience investing in an EquityBee deal? Any thoughts on the experience?

t3_trea40

investing

Ford (F) P/E ratio is around 4 !

[https://www.macrotrends.net/stocks/charts/F/ford-motor/pe-ratio](https://www.macrotrends.net/stocks/charts/F/ford-motor/pe-ratio) Current and historical p/e ratio for Ford Motor (F) from 2010 to 2021. The price to earnings ratio is calculated by taking the latest closing price and dividing it by the most recent earnings per share (EPS) number. The PE ratio is a simple way to assess whether a stock is over or under valued and is the most widely used valuation measure.

t3_tre80o

investing

Take stock advice with a grain of salt

Just a reminder. I know this is entirely anecdotal but I see people recommending a lot of stocks on here like a herd. I decided to invest in some of the popular reddit stocks about ~yr ago and guess what, they're mostly down. In short, no one knows what they're talkin about, your best bet is sp500 unless you like to gamble.

t3_tr9swk

investing

Dividends - Monthly or Quarterly ?

I understand the basics of dividends and compound interest so I know that, for an identical dividend amount it's always better to pick something that pays a monthly dividend. What has got me thinking is how to figure out which is better when one is monthly and the other is quarterly. I'll make an abstract example to illustrate my point: Imagine an asset that pays a monthly dividend of $0.46, an amount roughly equal to 0.75% the cost of one share. Imagine a second asset that pays a quarterly dividend of $0.47, an amount roughly equal to 2.78% the cost of one share. Which would be the better investment? Would it be better to purchase one of the first asset, or three of the second asset at roughly the same price? For the curious, my examples are loosely based upon JEPI and PMT.

t3_tr50xw

investing

When will Psychodelic market take off

I have a significant position in the emerging psychodelic market and it is downby greater than 50%. I bought under the advice of Teeka Twarri at Palm Beach Research group. Their psychodelic connection is some douchbag named “Zappy” note: never take stock advice from someone named Zappy. I am not going to sell at a loss but am wondering how far behind is their medical psychodelic movement from standard practice, if that ever happens. I think I might be waiting ten years on this one

t3_tr4jmz

investing

The spread between the 2yr and 10yr is narrowing

As of writing this, the yield on the 2 yr Treasury Note is sitting at 2.407% while the yield on the 10 yr is sitting at 2.440%. This leaves the spread at .033%, while it closed yesterday, 03/28, at .11%. This is the lowest spread we've seen since August of 2019, just before the spread inverted. "An inverted yield curve in U.S. Treasuries has predicted **every recession** since 1955, with only one false signal during that time.13 It even "predicted" the economic downturn that followed the COVID-19 pandemic (although most economists attribute this to luck, and not the fact that it can predict natural disasters)." -Investopedia

t3_tr3ecc

investing

Panasonic is supposedly an undervalued stock that could grow massively the next 5 years, what do you think?

I just read an article in a local danish investment magazine that predicted Panasonic to grow massively the next 5 years. Reason is: 1. Panasonic is massively undervalued as is. While most other tech stocks are growing Panasonic has been forgotten and hasn't really grown at all. This is despite them being one of the biggest EV battery manufactures. They make the batteries for Tesla. This is largely due to them being seen as another Japanese tech company that operates in a ton of boring markets and make largely unexciting products. While this has been true in the past it might not be the case in the future: 2. The company has just started a full restructuring. Instead of being in around 50 different markets (try going to their website), they plan to reduce to being in 15-20 markets that have growth potential (such as EV batteries). They also have new senior management and are planning to restructure the company into a "western" style holding company with different sub-companies (such as Google and Facebook has done with their Alphabet and Meta restructuring and rebranding). This gives them more options for starting new ventures and selling/spinning off other branches that do not benefit the group. This also allows them to separate their consumer and industry products more. They make everything from electric razors, to batteries, and to industrial automation under the same brand currently. With the restructuring these different products will be more clearly managed under different companies and brands. What do you think? Is Panasonic a good value stock?

t3_tr0uh1

investing

How long till we see market prices reflect lumber futures?

I’ve seen that lumber futures prices have fallen about 30% since all recent highs. Saw a high of $1357 on March 4th but fell to about $1000 as of today on the May 2022 contract. But I haven’t really seen any price changes in the general market. Like for instance at Lowe’s or Home Depot. How long till we actually see a decrease in general market price?

t3_tr0rms

investing

What do you use for investment research?

I'm a college student looking to find the best way to keep up with my investments. I know of many different outlets and channels, but I wanted to see what everyone uses. Twitter, YFinance, youtube, brokerage sites, Marketwatch, seeking alpha, cnbc etc? I really appreciate your help!

t3_tr0jhd

investing

Can I max out my 403b and Roth IRA in the same year?

Hello, can I max out both my 403b and Roth IRA in the same year? My accountant said no because I have maximized my contribution via my employer’s retirement plan. My employer also contributed $8500 to my 403b through matching. I am under the income limit for Roth IRA so I thought I am allowed to contribute and also max out my Roth IRA? Update: He responded and said he thought I was asking about buying traditional IRA for deduction. Thanks everyone!

t3_tqzgyk

investing

Recommendations of bonds ETFs

Basically the title. I’m an international investor who’s already exposed to the US stock market but I would love to diversify my portfolio abroad to include bonds. What would you recommend me? Is there anything in particular I should look for in those ETFs? Thanks.

t3_tqzgbk

investing

How could my average cost basis be higher than the daily high?

I have an average cost basis of $65 on TLRY, but looking into the past, i see that on my exchange, the highest price on that day was $25. Ive never touched options. How is this possible? Im seriously concerned that this could be some kind of mistake, as unlikely as that sounds.

t3_tqvz56

investing

Daily General Discussion and Advice Thread - March 29, 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_tqvjyc

investing

Is better to own stocks directly?

Hello investors. I hope my question doesn't sound silly. I am new in investing, using etoro with little money and just getting started. I want to ask you, is there any difference between owning the real stocks or just the contracts? Can i theoreticaly impact the price, when i do a trade with huge money? Or is owning stocks directly any safer? If there isn't any difference, why do biggest investors owns directly? Thank you for answer

t3_tqviqj

investing

Advice on Trading App ‘Pies’

As an absolute novice when it come to investing I’m looking for some experienced takes on Trading App ‘Pies’. There are multitude of different ‘Pies’ from Growth to Dividend and I’m wondering if any what would you look for? Any help is greatly appreciated.

t3_tquoi5

investing

What else can I do? Trying to achieve more that 7% growth per year

Hi all. I’m 36 and my wife and I have real estate and $$$ in investments like low index funds, Tesla, Apple, etc. I make over 300k a year and max out 401k, IRA, and put $$$ in my brokerage. I’m trying to find other investment opportunities and not sure what to do to achieve more growth. I feel a bit stagnant in low index and real estate all the time, and looking into commercial real estate, land, and other assets or opportunities to make bigger gains. What have y’all found to be the best return? What delivers over 7% per year?

t3_tqs492

investing

What happens when PUT/Shorts is expired worthless? Does the stock go up?

Based on [AMC Short Interest Ownership - AMC Entertainment Holdings Inc (fintel.io)](https://fintel.io/sosh/us/amc) ​ One PUT example is, Simplex Trading on 2/23, has a PUT position of 4mil shares, and are currently down -85%, if they close their position or it expire worthless, will this bump AMC price up? ​ ​ One Short position example is JPMORG 2/25 has a short position of 157,000 around 17 dollars, and are down -36% (but i believe they are down 80% as of right now) so they are paying daily margin interest, short borrowing fee correct? Also if they close their position, would the stock price go up a lot or little?

t3_tqqkia

investing

CPI Announcement Scheduled for April 12th

What strategy do you think is best with regard to the CPI for March which will be announced on April 12th before the market opens? With oil prices spiking during March would you be surprised if the CPI was below 10%? If your life depended on maximizing your return on capital through April 14th, and you could only take a position in three investments where would you employ capital?

t3_tqplp4

investing

Sentiment folks? I'm 80% cash looking to come back in.

So i was wondering what the sentiment is with everyone right now considering inflation and war talks. 2.5 weeks before Russian invasion i turned 80% of my 401k into cash and now I'm looking to buy back in contingent on advice from people I know and the SPY chart breaking over $450 area and holding. What does everyone think? Wait for better confirmation on the charts? Wait for correction to pass? Buy in NOW? Go in bond heavy? I realize this might go into lump sum / percentage buy talk. I'll take any thoughts/advice i can get. Btw it would be a waste of a reply if all i get is people saying why did you go into cash you missed out on the great recovery blah blah blah. If i was an idiot i was, and still might be, just want some thoughts. I mean that respectfully.

t3_tqnibp

investing

Buy and hold the S&P 500 stocks!

The S&P 500 showed a 28.7% return last year, marking a stronger return than 85% of U.S. large-cap stock-picking mutual funds. This come as no surprise to investors, as it's the 12th year in a row the S&P 500 outperformed most actively managed large-cap funds. I was surprised that the S&P 500 did just as well last year as my real estate portfolio. Edit - [Why Investors Should Care More About the Fortune 500 Than the S&P 500](https://fortune.com/2019/05/17/fortune-500-s-and-p-500/)

t3_tqn6bz

investing

Regulators are worried that inexperienced retail traders are getting in over their heads

Do you like to trade options? How about leveraged and inverse ETFs? Want to buy structured notes? These kinds of "complex" investment products have exploded in popularity in the last several years, particularly as self-directed investors have been trading at home during Covid. Here's the bad news: Regulators are getting worried that you may be getting in over your head, and they seem to be looking to erect more "guardrails" to protect you against making stupid investments. They may even want you to take a test to prove you know what you're doing. The recent market volatility is not helping, and likely making regulators even more nervous. ### FINRA is sending a warning signal The Financial Industry Regulatory Authority(FINRA) , which is the regulator for all the brokerage firms and exchanges in the U.S., recently released [a regulatory notice](https://www.finra.org/rules-guidance/notices/22-08) to its members (brokerage firms), reminding them of the risks of these "complex" products and the legal obligations they have of making sure their investors are in products that are suitable for them. "The number of accounts trading in complex products and options has increased significantly in recent years," FINRA wrote in the note. "However, important regulatory concerns arise when investors trade complex products without understanding their unique characteristics and risks." FINRA reminded its members that Regulation Best Interest (Reg BI), which was adopted in 2020, requires brokers to act in the "best interest" of the customer when making such recommendations. That means brokers need to be able to explain to clients the nature of the product they are recommending and the potential risks and rewards, and to determine if these investments are "suitable" for the client. ### FINRA wants broader rules on these products FINRA said it was seeking comments on whether the current regulatory framework is adequate to protect investors. It noted that the old rules were adopted when most financial products were bought through financial professionals, whereas today many of these products are bought and sold through self-direct trading platforms like Robinhood or other online brokers. "This is clearly a stalking horse for a new piece of rulemaking," Dave Nadig, financial futurist at ETF Trends, told me. "The SEC is concerned there is a new raft of retail investors who are under-educated about what they are doing," Nadig said. "It is partly a reaction to retail investing in options, but it is even broader than that. They are proposing to create a class of new products called 'complex' that is basically everything besides plain vanilla stocks and bonds." ### 'Complex' products could include your crypto ETF fund In its note, FINRA describes a complex product as "a product with features that may make it difficult for a retail investor to understand the essential characteristics of the product and its risks (including the payout structure and how the product may perform in different market and economic conditions)." These can include leveraged and inverse exchange-traded products, volatility-linked ETPs, structured products, and defined outcome ETFs, which offer exposure to the performance of a market index but with downside protection and an upside cap on potential gains over a specified period. Also on the list: "Mutual funds and ETFs that offer strategies employing cryptocurrency futures." "We continue to believe that the features of these products are such that they may be difficult for a retail investor to understand the essential characteristics of the products and their risks and, are, therefore complex," FINRA said. "These concerns may be heightened when a retail customer is accessing these products through a self-directed platform and without the assistance of a financial professional, who may be in a position to explain the key features and risks of the product to the retail investor." FINRA is doing more than warning about these products. It is asking if additional requirements are necessary to protect investors. It is particularly concerned about the growth of "self-directed platforms" and asks, "are additional guardrails needed for these types of platforms?" ### Should retail traders be required to take tests? FINRA also seems to want the retail investor to demonstrate a lot more knowledge of the products they are buying. For example, it is asking whether retail customers should be required "to demonstrate their understanding of those common characteristics and risks of complex products by completing a knowledge check and, if the customer fails to show the requisite knowledge, requiring the completion of a learning course and additional assessment?" Essentially, FINRA is asking if retail traders should be required to pass a test before they can trade these products. ### FINRA is also worried about plain-vanilla options trading Even the trading of options has become a source of concern. FINRA notes that listed options trading volume has grown to over 38.6 million contracts a day on average, 30% higher than 2020 and almost 100% higher than 2019. "Similar to transactions in complex products, buying or selling options can be risky for retail investors who trade options without understanding their vocabulary, strategies and risks. Members should consider whether investors understand the various risks of trading options..." FINRA said. [Source:](https://www.msn.com/en-us/money/markets/regulators-are-worried-that-retail-traders-are-getting-in-over-their-heads/ar-AAVzUgz?ocid=msedgdhp&pc=U531&cvid=f6d5481f037a49ba81c4924232afc0c0)

t3_tqdrxf

investing

Investing principles - illiquid and profit

Not so much directed towards stocks, but more general investment theory. How do you decide to liquidate your position? Particularly when it comes to illiquid asset classes such as real estate. If you have the opportunity to sell at a 400% profit do you sell? You can sell a little bit of stock at a time, but a house can only be sold once. I know it “depends on your own goals, appetite for risk, if you like eggs that are sunny side up, etc.” More just asking how you approach this topic.

t3_tq359l

investing

Tesla News:stock split, factory shut down. Guess which one has a bigger impact on stock price?

Tesla on tweeter announced a plan to split stock. It is seeking investor approval in the next general meeting. However, no further details was given, no mention on the meeting date, or the split ratio. Also today, due to COVID restrictions in China, Tesla gigafactory in Shanghai will be shut for 4 days. It has already shut for 2 days in mid March. Current estimate is the factory could produce just over 2,000 vehicles per day ( output in Dec 2021 was 70,000 for the month). So that is over 12,000 less cars to be shipped in March. If you think a stock split has a bigger impact on the market, then congrats, you are right. Although I'm considering throwing all my financial books down the toilet at this point.

t3_tqbxml

investing

Daily General Discussion and Advice Thread - March 28, 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_tq52qa

investing

Is CoinBase gonna screw me over?

So I've bought some Shibu recently and while I don't expect it to reach a penny anytime soon, I know that if it does I'll have at more than $3,000,000. Now, based on what I've heard from other people, one thing I'm worried about is my whole account being deleted or being forcibly logged out and unable to have access to my account before I can withdraw anything. Is this likely to happen despite there already being a class action lawsuit against them, and is there anywhere safe you would recommend me to transfer my currency instead?

t3_tpzevx

investing

A question for the experienced.

Hello investors of Reddit, please be aware that I have been doing rigorous amounts of research into all kinds of short term ways of saving and things like that but I just wanted to run it up with some down to earth people rather than you tubers. So in my situation 17 and male, I’m currently a college student and am going to be for the next year to come, I’m currently earning about £800 a month and don’t pay taxes, around £300/£350 of that is completely disposable income, in terms of saving over the course of a few years, until I’m 20 what do you think my best bets are? Buying ETFs and holding them short term and try and squeeze as much of that compound interest as I can out of the 3 years? Buying crypto in large amounts keep buying Bitcoin for instance every month etc or eth. Just play save and keep it in a savings account? There are a few others, but you guys are the experts so please whatever you guys might think the best choices are for me please do feel free to make a suggestion I do appreciate everyone’s efforts! Many thanks :) - X840.

t3_tpxo5q

investing

To invest in stocks or do options

Hey guy, so I have a bit of experience in option trading. More particularly in selling puts. Right now, I’m investing into apple and just wanting to hold the shares while the compound interest build it up over the years. However, I’m wanting to sell puts and I’m wondering which is better or should I do both? I guess my main question is, what’s the smartest?

t3_tpxk6i

investing

How does the valuation of Sibanye Stillwater (SBSW) make sense?

They own the Stillwater and East Boulder mines in the United States, which have 25 million ounces of platinum and palladium reserves. Cost of production is about $1200 per ounce, and they sell for about $2000 per oz. The net present value of this is about $9B USD. Add in their net cash of $2B and you are pretty much at the current market cap of $12B. They also have huge PGM+gold assets in South Africa and return all of the profit to shareholders, giving them a P/E of 5 and dividend yield of 10%. You basically get that for free. Even if you assume everything in SA gets zeroed due to confiscation, their US assets alone justify the valuation, and you get paid 10% every year they stay in operation.

t3_tpx7cm

investing

Looking for possible short term investment ideas. Possibly under two years.

We just sold off an investment property. We will have about $100k street paying off the final of our debt. The original plan was to use that money for a forever home as a fund for rehab or paying down the mortgage. Currently interest rates have pretty much priced us out of the local market. We are thinking that we could wait this out for up to two years. We are looking into short term investments for that money. Possibly something that could go liquid easily (bonds?) In case the housing market comes around in our area to something resembling sanity. Our current situation: Married with two young kids. The oldest is in kindergarten in Catholic school with a tuition of $4000/year. (Local school system is awful, which is why we are looking for a home). We live in our second investment property. (Starting to outgrow it). With this house sale we paid off all debt except the mortgage. We make enough in rent to convert all expenses and same a little extra. We have an emergency fund for the house we live in, an extra from the house we just sold, and a third for the future house (we used a rough estimate and think it's pretty solid). I have a job that will pay my a healthy pension in 15 years when I retire. We both contribute max to our 403b&457b. Cars are paid off. We live well within our means. If anyone has suggestions, please send them my way. I'm also open to answering any questions presented to me. I'm very basic with this stuff and while I creep this and the personal finance subs I don't have an extensive knowledge. So I'm open to criticism as well. Thank you!

t3_tprtdf

investing

Warren Buffet has previously called EBITDA "utter nonsense". Can someone please ELI5 why he (and others) believe this?

I recently watched [this video](https://www.youtube.com/watch?v=tvnKylAyLbQ) where Warren Buffet calles EBITDA "utter nonsense", but I don't fully understand why he thinks this is the case. Can someone please ELI5 why some people take this view? What are the arguments and counterarguments for paying attention to EBITDA when it comes to valuing a company?

t3_tpqhlf

investing

ETF Discussion: European and Chinese equivalents to S&P 500

I want to bet on Europe, China, and the US by investing in ETFs. For the US, I have chosen the S&P 500. What would the best equivalents be for China and Europe? These will be incremental investments held for years. Also, what is a way to access a low-cost and secure means to these ETF's as a Brit? Thank you

t3_tpiq44

investing

Daily General Discussion and Advice Thread - March 27, 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_tpg3dp

investing

Paying off student loans vs investing

I and my partner are in our late 30’s, completely debt free, not looking to buy a house (it’s typically covered by our employers) and we have a nest egg of about $300,000 in various investments and retirement accounts. I’m completing a masters degree next year that should cost around $30,000. My question is, if my loans are capped at rates below 6%, does it make sense to pay them off immediately? I paid off my undergraduate loans about 8 years early and when I think of the money those payments could have generated in this past decade, ugh I want to kick myself. So this time around, I feel like my choices are to pay off my loans early again or stretch them out and let what I would pay them off with go into safe ETFs and possibly this https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ifaq.htm Any advice is welcome.

t3_tpekns

investing

Why invest in the S&P instead of buying real bussinesses?

So obviously with the S&P you should expect a 6-8% annual return. With investing in real estate something similar, probably even less. However, when you look online at businesses for sale, they are typically valued at 1x revenues and sometimes even cash flows. Obviously, they are more riskier and timelier. They require paying employees and maintaining operations. In general, private businesses for sale seem to produce way better returns than investing in a public company. I presume this is what Buffett meant when he said that if he was investing small sums of money that he would produce way higher returns. Why aren't more people doing this? Are these businesses too good to be true? edit: i misspelled title... rip

t3_tpbwf1

investing

Success with Online Published Resource advice

So 75% of my portfolio is allocated in S&P Indexes, I’m new to the world of investing and that’s my foundation. I have a lot of money in low cost ones too like IVV Etc. The other 25% is what I call my risk/learning fund where I essentially do research on the internet for Motley Fool, U.S News Bloomberg basically whatever they say is a buy. What are some of you more pro investors take to this concept.

t3_tpb67p

investing

Charles Schwab PCRA Guidance

Hello, I just opened a PCRA and I am in the process of transferring my 401K amount into that account. Currently, the company I work for is giving me a 15% direct contribution on top of the 10% I already put away. Where would you start for long term growth? I am 24 years old and have some time to play with risk (not a lot of risk). Thank you for your help!

t3_tpasnb

investing

Is a Class action lawsuit "free money?"

Short and sweet, I received a notification of a class action lawsuit for a stock I own. I have no qualms with the company or their management and plan to hold the stock for several more years. If I submit my information to participate in the lawsuit, are there any drawbacks to consider (i.e. do I have to forfeit my holding, does it restrict be buying more, etc) or is it an opportunity for "free money" from the resulting settlement? On the surface, this SEEMS like a "no downside, slight chance of upside," scenario. *NOTE: I have no intentions of filling an individual lawsuit, against the company, so my choices are 1) do nothing or 2) submit info to class action for possible check in the mail down the road.

t3_tparki

investing

Rising Interest Rates And The Coming DeFi Implosion

It's quite well known that crypto has been propped up by things like stable coins and DeFi; both things meant to keep people HODL-ing so that outflows are kept to a minimum. This helps keep coin values artificially high by keeping fund flows stable. This is a lot easier to do when credit is loose and the cost of debt is very cheap. However, we have now entered a time where interest rates are expected to rise and central banks are looking to tighten the money supply. A big part of the DeFi "boom" has been speculators trading in their real currency (Dollars, Euros, Yen, RMB, etc.) into coins (BTC, ETH, DOGE, etc.). Then when they want to exit one of those coin speculations, they trade their coin into something that is supposed to represent a store of value; stable coins. The money stays in the system because it is converted from one crypto to another; rather than a real currency. Regardless of whether a crypto speculation is a stable coin or not stable coin (e.g. - BTC), people can "stake" it. The idea of "staking" is that you lend your coin to another party for a period of time for a set return. This return is oftentimes a multiple of the underlying coin (BTC, ETH, Tether, etc.) but is sometimes converted back into a real currency (Dollars, Euros, etc.) before paying off the "interest" on that contract. We could get into more depth about specifics and intricacies of these agreements and speculations, but that isn't really the premise of this post. Nor is it material to the issue at hand. Rates are about to rise, liquidity is going to be removed, and there will be significant pressure on DeFi / crypto returns. Everyone saw that mortgage interest rates rose about a half a percent last week after the Fed recently announced that they would be increasing rates. This is a substantial move in rates and foreshadows the coming risks for crypto. This is because as rates rise, you'll see more and more people (institutions) move from risky cryptos to safer investment vehicles like treasuries and other bond type investments. From their perspective the incremental return vs the risk becomes less and less compelling as interest rates rise. As they move their money from DeFi contracts to safer investments, the price of cryptos will fall as money leaves the system. As the price of cryptos fall, the demand for margin debt from DeFi will fall as well. This decreased demand will cause the "interest rates" that they pay on these DeFi contracts to fall as well. So a person who used to get "6% annualized" on their BTC, will now get something closer to 5%. And combined with the fact that cryptos will fall in price while treasuries are paying more in interest, we'll see this momentum only grow as rates continue to rise. (One thing to think about is whether you believe governments will bail out coins that want to operate outside the control of governments. I say they won't, but crazier things have happened.) Obviously, there could be more to say about this and I'm sure I'll get a lot of posts debating these observations. Some will say that I don't understand everything there is to know about the crypto world; which is true. Some will disagree with my assumptions; and to me that is probably more reasonable. But I will say that not describing everything about what is going on in crypto doesn't make the observation incorrect. Because, in the final analysis, there are only a couple of things that matter with these Ponzi's. Liquidity, leverage, the cost of debt, and a Peter Pan level belief. Please share your thoughts. I would love to hear what others think.

t3_tpa8wv

investing

Are there better investment options than a 401k without a company match?

Hello everyone, I recently started a new career journey as a government contractor. The company I work for offers a 401k plan, but they do not match my contributions. I have a pension from my previous job, but it will need to be supplemented by additional income once I retire, so I’m trying to find the best option. I’m in my 40s and plan to continue working for at least 20 years. Would a person in this type of situation be better suited to find other investment avenues, or stick with the 401k plan being offered?

t3_tp7tgy

investing

ROTH IRA and YLDs, Long Term Idea

So this is my current ROTH IRA and im very proud of my current position, im 24 years old, make about 65k a year before taxes, i have maxed out my IRA since i was 18, i put in $125 a week automatically, currently have 65k assets, 32k debts, 780 credit score so my Question here is im thinking about redoing my holdings in my roth ira, i wanna sell pretty much everything i own, liquidate 30k and move it into a more simplified strategy for long term investing and also long term cash flow, i understand i cant touch the cash flow until retirement age and all that Also there is a very good chance that if the company i work for goes the way it should i can be well over the threshold of being able to contribute to my ROTH anymore, **Side Question, if in 3-5 years i make more then the threshold for contributing will it still be able to grow tax free with appreciation and dividends?** so here are my thoughts, liquidate 30k and put into, 5k spy or spy alternative aka ITOT 5k XYLD 5k IJR or small cap fund 5k RYLD 5K QQQ or alternative, i dont currently have a fund 5k QYLD my thinking is i can catch the upside appreciation with the underlying asset and DRIP with the YLDs so in 35 years i can be in a position of basically having all tax free income This will only make sense for me based on the answers to my **side question,** because i plan to make more than 150k a year in the next 5 years and will not be able to contribute to a ROTH IRA anymore but wanna take full advantage of tax free income in the future I know in a normal account it would make more sense to do all index funds and switch to YLDs once i actually need the income but my thinking is, this way i can snowball the YLDs and **grow the tax free income even after i can not contribute anymore** and also let the underlying assets appreciate for the next 35 years, leaving me in 35 years close to 100k or more of **TAX FREE** income every year plus the value of the index funds I will continue to invest as much as i can split evenly between the holdings for as long as i can **PLEASE leave any honest review and anything i missed that would make this thinking flawed would be much appreciated, can also tell me to just stick with what im doing** **CURRENT ROTH** [**https://imgur.com/a/buD6b7L**](https://imgur.com/a/buD6b7L)

t3_tp2dbg

investing

Advice for Investing in Private Equity

I am subscribed to an investment advisory service called Palm Beach research group. I have invested in a lot of their positions and they all have been lackluster at best and terrible for a few making me 70% unrealized losses because I don’t want to sell at a loss. Well they are offering new services for investing in private equity. It made me think that I would like to get into private equity but probably not with them. I think some of the money I have invested in REIT’s and ineffective portfolio’s such as with Manward Press could better be used for invested in private equity But I don’t know anything about private equity other than cursory info I have read on the internet. Does anyone have any advice for me?

t3_tp12ou

investing

I am unimpressed w Manward Press

I have been following their MAP (Modern Asset Portfolio) for a year now. So far it has made about 8 % which is commiserate with inflation over the same period of time. what’s the good of having a portfolio that doesn’t outperform the market much less inflation. I could have just bought diamonds and spiders with a lot less work.

t3_tp0wt9

investing

10k in savings set aside but looking for a higher rate of return

Hello! We have 10k set aside in a regular savings account for a modest home. We were going to buy but things fell thru, and thought we’d make another offer so needed quick access to the capital. However, we’ve decided to hold off for another few years as my fiancé goes into her graduate program and not sure where we’ll land. Having 10k in a regular yield credit union savings account seems like a waste. We’re looking for suggestions for where to hold the money with the absolute lowest risk, yet with a higher rate of return than traditional savings. Would it be an ETF maybe? Thanks in advance for any suggestions!

t3_tp0uka

investing

Looking for the company that produces Elfbar Disposable Vape pens

These things have blown up where I live, with many young people completely hooked on them. They are extremely cheap as well. I want to know who controls the production of them, in what country are they registered, and whether they are publicly traded or not.

t3_tp0avf

investing

Bad time to put money into mutual funds?

Hello all, Just looking for some advice about mutual funds. Do you think it’s a bad time to invest in one right now? This is my first time doing any sort of investing or putting my money away. I have finally saved 15,000. I am wondering if the war in Ukraine makes it a bad time for me to put my money into a medium risk mutual fund. My bank tells me that it is not a bad time. However I don’t know a lot about investing or mutual funds. I’m located in Canada B.C if that makes any difference. The gas prices are insane out here right now which is scary.

t3_tozy3h

investing

How do investors hold their investable cash?

Say a billionaire wants to invest in a multimillion dollar start up. Does that billionaire have cash in an account that gets paid to the start up, or does the investor usually have to liquidate his or her assets/ cash equivalents in order to be able to buy a share of the company?

t3_toyqz1

investing

How would one hedge against triple digit inflation?

I currently reside in Turkey, which has seen triple-digit inflation, massive currency depreciation and double-digit decreases in the real wage over the past year. Given future prospects of globally increasing food & oil prices as well as terrible monetary and fiscal policy on my governments part, I don't expect this to change substantially in the foreseeable future with double digit inflation and even more currency depreciation expected over the next couple of years. How would I protect my savings against such insane amounts of reduction in value? Obviously, I can, and do, hold dollars and US equities, but with the state of the US economy as well as the rate of depreciation of the TRY against the USD vs. the rate of inflation, my real return is still negative. Even though I have a long-term investment horizon (10+ yrs), I still want some more liquid assets that keep their, or appreciate in, value to finance trips abroad, my hobbies, etc. should I need the funds. What kind of portfolio would you suggest I hold, given these prospects? Thank you. p.s I'm a senior college student graduating in a couple months (albeit with a full-time job lined up), so I do not currently have a lot of capital to invest into anything, i.e, I'm broke! :^)

t3_toxhyy

investing

custodial accounts for my children

I was wondering if anyone on here has any experience with setting up custodial accounts for their children. Is there a brokerage thats better for custodial accounts? Is there something I could do differently in regards to investing into my children's future? Thank you!

t3_tosq9q

investing

A way to invest in Europe's transition away from fossil fuels and towards renewable energy: ITM Power

For years European governments have been making a push to decarbonize, and this transition has only become more urgent with the rift that is growing between Europe and Russia due to the invasion of Ukraine. I first heard of ITM Power (symbol ITMPF) in late 2020 in a [Scientific American article entitled "Top 10 Emerging Technologies of 2020".](https://www.scientificamerican.com/article/top-10-emerging-technologies-of-20201/) From the article: "These and the other emerging technologies have been singled out by an international steering group of experts. The group, convened by Scientific American and the World Economic Forum, sifted through more than 75 nominations. To win the nod, the technologies must have the potential to spur progress in societies and economies by outperforming established ways of doing things. They also need to be novel (that is, not currently in wide use) yet likely to have a major impact within the next three to five years." One of the biggest criticisms of renewable energy like wind and solar is "What do you do when it isn't sunny or windy?" One of the answers is energy storage. When you have excess sun or wind, you store that energy for later, when it isn't sunny or windy. One way of doing this is by using excess energy to electrolyze water, splitting the water molecules into separate hydrogen and oxygen. Then, the hydrogen gas is stored until later. It is then piped into power plants and burned to make electricity, or it is piped into existing gas lines to heat homes, or it is sent to hydrogen fuel stations where it can refill hydrogen fuel cell cars. [These things are already happening in Europe.](https://www.scientificamerican.com/article/solar-and-wind-power-could-ignite-a-hydrogen-energy-comeback/) So what does ITM Power do? They make and develop state of the art electrolyzers used to electrolyze water to make hydrogen gas. [They are already involved in several large hydrogen projects in Europe.](https://itm-power.com/projects) I expect that the demand for their products will only grow in coming years. For transparency's sake, know that I currently own 94 shares in ITMPF

t3_torgms

investing

I work in the alternative investment space in the private markets. AMA

I source new investment opportunities for my family office clients. Average check is $2-15MM. I’m sector agnostic and evaluate 30-40 GPs/fund managers a week. I’m going to The Met until 3 then have time to kill until I see a broadway show with my family at 8. Happy to answer questions but not to give any investment advice - only educational inquiries. If this violates the rules, then I apologize and kindly remove this. AMA

t3_tor3r7