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investing | Investing in Awesome Companies You Don't Like | Hi all, hopefully the title isn't misleading. 😅
Let me specific: I've never been an Apple product owner. I don't like the walled garden and I don't like Apple's generally anti-consumer behavior. For the most part, I can't do my work nor can I play video games on a Mac. All that said, I absolutely respect Apple's driving force behind many industries. I'm most impressed with their innovation in silicon, but they push every industry they touch forward.
Does it make sense for me to invest in Apple, even if I don't particular like them? I respect them. They do incredible stuff, but I really dislike the idea of driving the share price (even if by one-millionth of a percent) of a company that wouldn't respect me or consumers' collective dollars.
Thoughts on this predicament? How do you invest in great companies that aren't good for their consumers or have other distasteful business practices, even if they're doing really compelling stuff elsewhere?
Maybe this is the totally wrong perspective and a good investing opportunity, regardless of what goes on behind the scenes, is just that. Is this a *it's the only game in town* situation?
Apple is just an example, but there are many more I can think of. Silicon and CPUs are really my circle of competence, but maybe I can extend that a little more to technology generally. Another obvious one is Nvidia, (though, full disclosure, I *do* use Nvidia GPUs both at work and at home.) | 0.75 | t3_thmg48 | 1,647,660,160 |
investing | which do u think are the best startups | I'm looking to invest in eight different startups, but I'd like to know your thoughts about which companies will likely become successful in the long-run. Advance thanks to those who will provide their suggestions! :)
**1.** **Startup #1**
This startup company develops an app that matches students who have free time to run little errands with students who don't. In-app cash will be assigned to each errand (similar to debits and credits).
**2. Startup #2**
The project entails developing an application that gathers information about location, availability, and charges from of the websites of car-sharing businesses (such as Evo, Cars to Go, and Zipcar).
**3.** **Startup #3**
The project entails developing an application that gathers fashion clothing goods in one place and allows users to compare what they want to what is available. The concept is based on a Spanish application of a similar nature.
**4.** **Startup #4**
The plan is to open a restaurant where customers will be able to reserve their own booth and choose their own music, atmosphere, and food. There will be no servers, and the food will be delivered via a booth conveyer in the wall. The concept is to provide a one-of-a-kind integrated experience that is tailored to the needs of each individual guest.
**5.** **Startup #5**
The project involves offering meals to students who do not know/do not want to cook/go to restaurant/have a takeout. The meals will be delivered on an agreed-upon weekly schedule.
**6.** **Startup #6**
The goal of the project is to develop an app that will pair students with similar interests and lifestyles as housemates (in apartments and houses). The programme will provide extensive matching criteria as well as a roommate rating system.
**7.** **Startup #7**
The goal of the project is to develop an all-in-one "smart" collar for pets (primarily dogs and cats). When warranted, the collar will combine GPS and important health information and warn the owners.
**8.** **Startup #8**
The goal of the project is to create an information/travel gateway for newcomers/tourists to a certain new city/town/environment. | 0.27 | t3_thivj1 | 1,647,648,384 |
investing | "China is not a party to the [Ukraine] crisis, and doesn't want the sanctions to affect China" | https://www.cnn.com/2022/03/17/business/china-russia-sanctions-friction-intl-hnk/index.html
Fears that Chinese companies could face US sanctions over ties with Russia had contributed to an epic sell-off in Chinese stocks recent days. That slump was reversed Wednesday when Beijing promised it would pursue policies to boost its sputtering economy and keep financial markets stable.
Analysts say that China is attempting to strike "a delicate balance" between supporting Russia rhetorically but without further antagonizing the United States.
Beijing and Moscow share a strategic interest in challenging the West. However, Chinese banks cannot afford to lose access to US dollars, and many Chinese industries cannot afford to be deprived of US technology.
While China is Russia's No. 1 trading partner, Beijing has other priorities. Trade between the two countries made up just 2% of China's total trade volume. The European Union and the United States have much larger shares, according to Chinese customs statistics from last year.
China's currency, the yuan, doesn't trade completely freely, moving instead within bands set by officials at the People's Bank of China (PBOC). Last week, they doubled the size of the ruble trading range, allowing the Russian currency to fall faster.
If China allowed Moscow to convert its yuan reserves into US dollars or euros, "that would clearly help Russia's current impasse," García-Herrero noted. However, "the reputational risk of potentially breaching Western sanctions would be a huge step for the PBOC to take and therefore makes it highly unlikely," she said.
"The long-term gains of moving closer to Russia might not match the impact of Western investors suddenly losing interest in China," she added.
In response to CNN's request for comment, China's foreign ministry reiterated Beijing's opposition to sanctions adding that China and Russia will maintain "normal economic and trade cooperation." | 0.94 | t3_thea35 | 1,647,635,072 |
investing | What’s your introduction to investing mistake? And how did it shape your current investing style? ie. active to passive? | I think we all have a story to be told. Mine’s that I was told to invest but my family doesn’t know anything about investing and use (or get used by) a financial advisor. My advice was to go to TIAA. I opened a lifestyle (basically like a target-date fund). Then I bought FB after the cambridge analytica scandal. I bought 4 more stocks MA, IQ, AMZN and XPO. I also bought a high-yield, junk bond fund. Eventually I sold everything and now go 3-fund portfolio 70/20/10, bogelhead model. I’m happy I learned this lesson at age 35 before it was too late. Anyone else learn the hard way? | 0.93 | t3_thc9az | 1,647,629,568 |
investing | Can I/how do I ask my boss to invest in his company? | My boss started his own company a year ago. In January he hired me as his first employee. He plans to hire at least one more person soon, but he has big plans that I see a lot of potential in
I want to offer $5k-$7k, but idk how to go about it, or if it's legal. Like, would working where I invest be a conflict of interest?
If not, how do I approach my boss? What questions do I ask?
Thanks! | 0.63 | t3_th9hgm | 1,647,626,112 |
investing | Series I bonds or s&p ETF, which is the better investment right now? | I just recieved my bonus, With the current guaranteed rate of %7.12 in wondering if series I bonds are the better investment right now compared to say, an s&p 500 ETF. I don't know much about series I bonds so I may be missing something that would make an S&P investment better. Any input is appreciated. | 0.91 | t3_th6y0d | 1,647,623,680 |
investing | What to do with taxable mutual fund? | Have a high expense ratio edward jones mutual fund in a taxable account. It was started a long time ago so it's almost all gains. If I don't need the money, Do I sell and put it into a roth IRA? Will taxes fuck me? Do I keep holding? Right now I have dividends put into my bank account so I can at least put those into a roth. | 0.82 | t3_th3ok6 | 1,647,616,640 |
investing | I am a college student who lost about $3k in investing | I need some advice. I had invested in a crypto and some in companies. I invested around 9k total divided in 7 companies and a crypto coin. I am losing some% in all of them. I need some advice on what should I do with the loss. should I go to my bank and ask for some advice if they even do such things. I have not sold anything just my portfolio is blood red. Any advice on how to get those back except just waiting for the day everything is green | 0.29 | t3_th3l27 | 1,647,616,256 |
investing | I bonds what to expect??? | Please forgive me as I am a amateur at investing. I recently purchased 1k in Ibonds, before the rate changes in April. Any advice would help me tremendously. What should I expect? I know about the rules of at least 1 year, and you are not penalized after 5 years. Is the money that you can make taxed? Is it worth it? Thanks in advance. | 0.67 | t3_tgtaps | 1,647,578,112 |
investing | Daily General Discussion and Advice Thread - March 18, 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! | 0.68 | t3_tgx1we | 1,647,594,112 |
investing | If gross profit is 'Revenue - COGS', then why does Yahoo Finance makes it confusing? | When looking at a company's Income Statement through Yahoo Finance, it clearly shows gross profit as revenue subtracted by cost of revenue. But COGS and cost of revenue are two different things.
Cost of Revenue includes distribution and marketing expense. And it's also weird how Yahoo Finance's 'Cost of Revenue' doesn't include these expenses, because they are put into the other 'Operating Expense' category.
So what's the deal? Did Yahoo Finance screw up and actually mean COGS? Or am I misinformed? | 0.69 | t3_tgtkds | 1,647,579,136 |
investing | Most indices are up over the past 12 months and past 6 months. Is now the time to "buy the dip" do you reckon? | Despite recent volatility, most major indices seem to be [**up over the past 12 months**](https://imgur.com/gallery/AP9UwNP)**.**
The heaviest losses seem to have been driven by tech / NASDAQ heavyweights, with some major indices [**down over the last 6 months**](https://imgur.com/gallery/R9qBUZz).
This is most obvious in the February drops - most all major indices [**are down since 2022 started**](https://imgur.com/gallery/HdqxKT0).
​
Assuming Russia does not nuke (or gas) Ukraine, do we think we've more or less corrected as much as we're going to?
In other words, is there evidence we are near the bottom? | 0.79 | t3_tgtd2m | 1,647,578,368 |
investing | Oil Market’s Big Winners: ‘Little Guys’ Who Are Eager to Drill | Autry Stephens and other small operators race to produce more crude with big players on sidelines; ‘almost too good to be true’
https://www.wsj.com/articles/oil-price-surge-winners-drillers-endeavor-stephens-11647528657?mod=hp_lead_pos5
With oil prices today gyrating around $100 a barrel, Mr. Stephens’s company, Endeavor Energy Resources, and a few other ***privately held*** U.S. drillers, have emerged as pivotal players in the global energy market. The war in Ukraine and sanctions against Russia have hit supplies, and these smaller operators are among the few racing to produce more crude.
---
Just wanted to also throw this out here...anyone have some names of smaller publicly traded outfits? Looks like company risk will be minimal in this environment compared to this time last year. | 0.79 | t3_tgq0i3 | 1,647,567,488 |
investing | Recharacterization and backdoor roth | My spouse and I put in 6000 each into Roth IRA accounts in 2021. However, it turns out our MAGI is above the limit, so we need to recharacterize. I'm thinking we can recharacterize and then convert to Roth. Is that correct? One issue is that I have money in a rollover IRA, about $5000. I can pay taxes for conversion out of cash.
Does this make sense to do? Would the following be the correct steps?:
1. File recharacterization form to change the 2021 Roth -> traditional IRA (do I also need to calculate how much what each of the 6000 is now worth since has been invested for the past 10 months or so?, we also have funds from earlier years)
2. Move this money back into the Roth accounts
3. For me, actually move ALL of my traditional IRA into the Roth (\~12,000)
4. Use the 8606 form to report this and figure out the tax on the \~1\`2000 for me and separate 8606 for the 6000(plus growth) for spouse. Don't need to worry about pro-rata since I would be converting everything.
Am I missing anything? Thank you! | 0.62 | t3_tgouaa | 1,647,563,904 |
investing | Russia avoids default. Bond paid in Dollars. |
https://www.reuters.com/business/russian-sovereign-bond-payment-received-by-jpmorgan-processed-source-2022-03-17/
Russian Federation dollar denominated bonds received thier coupon payment today. Referring to the 2023 & 2046 bonds.
Despite capital controls and a decree signed by Putin to temporary pay creditors of hostile nations in Russian currency. | 0.97 | t3_tgkqx0 | 1,647,552,384 |
investing | Tax basis and Yahoo's adjusted price | I need to calculate a stock basis for some inherited stock, sold several years after date of death. I know that the basis in this case is FMV calculated as of date of death, usually using the average of open and closing prices. This is easy to get from Yahoo's historical data.
But what threw me is that Yahoo also has an adjusted close, factoring in dividends and splits. I've read Yahoo's explanation about the adjusted basis, but I want confirmation that my analysis is correct.
From a tax perspective, only a split affects the calculation. A 2 for 1 split means halving the original basis. A dividend doesn't, because dividend is taxed when received.
What this suggests to me is that Yahoo's adjusted close isn't useful for computing the tax basis. You still need to look for splits (fortunately none in my case), but you can go ahead and use the actual closing price and not Yahoo's adjusted closing price for computing the tax basis?
Agree? If so, what is the value of the adjusted close? I assume it has some meaning for investment analysis, but don't know what it is.
Many thanks. | 0.82 | t3_tgk50h | 1,647,550,720 |
investing | Is ammunition a decent investment? | I’ve been into shooting guns since I was young and I’m 24 now and realized my hobby has gotten much more expensive as ammo keeps going up in price. Does anyone buy ammo as a store of value or an investment? I would feel justified in buying thousands of rounds if I knew that whatever I was buying would at least outpace inflation. Other than PMs or ammo, what other tangible assets do you guys hold in your houses? | 0.42 | t3_tgf4i1 | 1,647,537,152 |
investing | How to buy gazprom on foreign market from the U.S.? |
I believe it’ll blow back up after this is all over, and at 1 dollar it’s a steal!
But our free country is not giving us the freedom to buy the stocks we want.
Any way to buy it on a foreign market?
Is it even legal to do this? I got a fidelity account so do they have a way of assisting with this?
It sounds complex lol
Maybe there’s a way to use crypto to buy stocks or something lol | 0.25 | t3_tged9p | 1,647,535,232 |
investing | Why are those with the highest Sharpe ratios most likely to cease trading? | I was reading [this](https://www.sciencedirect.com/science/article/pii/S0377221721007426) paper. Figure 1 suggests that those with the highest Sharpe ratios are most likely to crease trading. I have no background in finance/economics, but this result is unintuitive. Similarly, Tables 3, 4, and 5 suggest that those with profitable Sharpe ratios are more at risk of ceasing their trading, and those with unprofitable Sharpe ratios are most at risk of continuing their trading. | 0.69 | t3_tg7top | 1,647,515,776 |
investing | Daily General Discussion and Advice Thread - March 17, 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! | 0.76 | t3_tg5uzd | 1,647,507,712 |
investing | Chinese Stock Regulator Supports Investors w/ Friendly Policies | >[China’s tech rout: stocks regulator joins chorus of care and support for beleaguered investors with market-friendly policies](https://www.scmp.com/business/markets/article/3170791/chinas-tech-rout-stocks-regulator-joins-chorus-care-and-support?module=lead_hero_story&pgtype=homepage)
>
>China will ***encourage publicly traded companies to buy back*** their shares and money managers to invest in their own funds, offering investor-friendly policies to bolster the world’s second-largest capital market amid an unprecedented rout.
>
>Most importantly, the vice-premier asked that market-sensitive regulatory policies to be “coordinated with financial regulatory authorities in advance” to manage market reactions and expectations, according to the [official readout of the meeting](http://www.xinhuanet.com/english/20220316/3bf0096ed0ad4bd98f84b77ca4c7f22a/c.html?module=inline&pgtype=article) by Xinhua News Agency.
>
>n other areas, the CSRC said it will ***push institutional investors to focus on long-term and value investing***, and cooperate with other departments to defuse the risk in the property market, according to the statement. It will keep the door open for companies to list overseas, and engage its US counterparts on accounting issues, it said.
Given this, what are your picks for Chinese Companies that are in the best position for buy backs and what Chinese companies would you classify as long-term value? | 0.56 | t3_tg4g7r | 1,647,501,568 |
investing | Hey, Working stiff here.🙋♂️ I have an important question for those who know more than me. | Is Acorns a real investment or a pyramid scheme? They said if I invite 3 friends they will add $500 to my account. That seems like a pyramid scheme…
But, they are SIPC insured… soooooo…. That says to me they are legit…. Any helpful insight would be appreciated.
Edits for grammar and spelling* | 0.37 | t3_tg2sf1 | 1,647,494,656 |
investing | Stock picks for Income generation and boosted returns in 2022 | With everything going on in the world right now (Russian invasion, supply chain shortages, staggering inflation, interest rate hikes, etc) the markets can seem pretty uncertain. And you might be wondering *what am I gonna do? I'm down 15% YTD, that's basically half of last year's return figures.*
Well I have a solution, or more technically, something that I conceived while studying backtests and options data by people much smarter than me.
What's the solution? Selling puts.
I see you rolling your eyes, *this guy thinks he's a genius for discovering CSPs, what a moron.*
Something you might not have heard before is that CSPs outperform in both bear and stagnant markets. So while in the last couple years CSPs have underperformed relative to growth stocks, *when not if* the market reverses the pendulum will swing back towards CSPs outperforming.
[https://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.458.4882&rep=rep1&type=pdf](https://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.458.4882&rep=rep1&type=pdf)
If you read the article, you can also note another important thing on page 50. CSPs also realize a much lower standard deviation, in fact, it happens to be **50% lower** when compared to the S&P 500.
So what does it mean when you match the annualized returns (or sometimes slightly outperform) the overall index while also having a lower standard deviation? We lower the Sharpe ratio! Which makes our portfolio have better risk adjusted returns.
So now we get to my twist. If you sell CSPs on the index you get better risk adjusted returns, but what if we now want to raise our returns to a point where we have the same risk exposure as the overall market?
We concentrate our holdings. Rather than holding the entire index we hold less stocks, which increases our standard deviation, but at the same time should also raise our returns. Now I may have lost some of you at this point saying to shy away from indexes, but bear with me a little longer.
*We don't need 500 stocks to be fully diversified.*
According to this article where they randomly picked stocks within certain indexes and then calculated the standard deviation based on the number of holdings, *the ideal number of holdings for large caps is between 15 and 26.*
[*https://blogs.cfainstitute.org/investor/2021/05/06/peak-diversification-how-many-stocks-best-diversify-an-equity-portfolio/*](https://blogs.cfainstitute.org/investor/2021/05/06/peak-diversification-how-many-stocks-best-diversify-an-equity-portfolio/)
So that's the sweet spot, we find high yielding CSPs on blue chip stocks inside already built indexes like the S&P 500 and then pick between 15-26 of them to improve our returns.
Conveniently, I've built a handy tool in Python that screens for these options within the indexes (which you can find in my post history [here](https://www.reddit.com/r/options/comments/lzklj8/i_created_an_options_screener_for_csps_and_ccs/)) that uses Robinhood's unofficial API. I more recently rebuilt the whole project again using Python again, but this time with TDAmeritrade's API which is actually made for pulling options data.
So using that tool, I'm gonna lay out five CSP option plays that I would make for the next month.
**Sell CCL $15P 04/14/2022 for $29 to capture a 1.93% ROI**
This company has had some bad earnings since the pandemic started, but I think that it still is a good company with a low PB ratio at 1.65. As people return to their normal lives in the coming years they will want to go on cruises again.
**Sell GPS $13P 04/14/2022 for $22 to capture a 1.69% ROI**
This company also suffered from the pandemic, but is starting to make a recovery. Their PE ratio sits at 21.3 and PB ratio at 2.44.
**Sell FANG $105P 04/14/2022 for $177 to capture a 1.69% ROI**
Oil and gas company, pretty self explanatory. War makes oil prices go BRRR. PE ratio: 11.2 PB ratio: 1.58
**Sell KMX $80P 04/14/2022 for $120 to capture a 1.5% ROI**
Carmax is a retailer of used cars. With new cars suffering awful supply chain shortages, most people will be buying from sites like this for awhile. PE ratio: 14.2 PB ratio: 4.47
**Sell F $14P 04/14/2022 for $21 to capture a 1.5% ROI**
Ford is coming up with some great new vehicles. Their Mustang Mach-E gave Tesla a run for their money and they won't stop there. Their sales are also way up from where they were. PE ratio: 3.79 PB ratio: 1.76
Another thing to note, the prices at which I say to sell this options are subject to fluctuation, if you try to sell them on market open tomorrow the prices most likely will have changed. If you want to know if the option still offers a good ROI just take the option contract price and divide it by the strike prices times 100. Then just convert that number to a percentage.
\*\*I am not a financial advisor, nor do I have any positions in the stocks that I recommended. If I did have the money I would definitely enter these positions, but sadly I am a broke 17 year old high school kid with an unhealthy obsession with the stock market. Take my recommendations with a grain of salt as you would any stock tips from a stranger on the internet. | 0.45 | t3_tg1n9l | 1,647,490,432 |
investing | what entity decides if a dividend is qualified or nonqualified? | I am a US investor and I have an investment in an Israeli corporation, MIND,C.T.I., which pays a handsome dividend. My broker's 1099 says the dividend is nonqualified. I talk to the company and they say the dividend is qualified. I read the IRS rules and it seems to me the dividend is qualified. So my question is after the company declares the dividend, how or who decides the nature of the dividend and how does that information get to the broker? The broker told me that the dividend information comes to them on their "little green screens" and they report what they see on the screen. | 0.54 | t3_tg0vyz | 1,647,487,872 |
investing | Russia could lose 30% of its oil output within weeks, IEA warns | https://www.cnn.com/2022/03/16/energy/russia-oil-output-opec/index.html
Russia could soon be forced to curtail crude oil production by 30%, subjecting the global economy to the biggest supply crisis in decades — that is, unless Saudi Arabia and other major energy exporters start pumping more.
The world's second-largest crude oil exporter could be forced to limit output by 3 million barrels per day in April, the International Energy Agency warned on Wednesday, as major oil companies, trading houses and shipping companies shun its exports and demand in Russia slumps. Russia was pumping about 10 million barrels of crude per day, and exporting about half of that, before it invaded Ukraine.
"The implications of a potential loss of Russian oil exports to global markets cannot be understated," the IEA said in its monthly report. The crisis could bring lasting changes to energy markets, it added.
The IEA, which monitors energy market trends for the world's richest nations, said that refiners are now scrambling to find alternative supply sources. They could be forced to reduce their activity just as global consumers are hit with higher gasoline prices.
So far, there's little sign of relief. Saudi Arabia and the United Arab Emirates are the only producers with significant spare capacity. Both countries are part of the 23-member OPEC+ coalition, which also includes Russia. OPEC+ has been increasing its collective output by a modest 400,000 barrels per day in recent months, but often fails to meet its own targets.
"The long-running inability of the bloc to meet its agreed quotas, mostly due to technical issues and other capacity constraints, has already led to sharp draws in global inventories," the IEA said. If major producers do not change course and open the taps wider, global markets will be under supplied in the second and third quarters of 2022, the agency warned. | 0.96 | t3_tg0bxf | 1,647,485,952 |
investing | small scale SaaS shotgun approach | when covid hit, i saw smaller energy companies being decimated more than everyone else, maybe there was fear they couldn't make it. i wanted to take a small scale high risk position. i didn't want to research all of them, just take a position in the space. i didn't nothing, most of them have 10x - 20x in the last couple years while bigger players like XOM trippled.
i think something similar may be happening right now with tech: FAANGs may be down 20-30% but a lot of SaaS companies are down more than 50%.
i don't know which ones will do the best, i'm not sure that i have the drive to research them, so my plan:
take $10k, divide it evenly into names like SNOW, NET, CRM, OKTA, S, RBLX, CRWD, maybe some others.
i'm less interested in ETFs because i'm sure these guys will be bought out over time. | 0.33 | t3_tfzo4o | 1,647,483,776 |
investing | Russia says it made a payment to avoid default | >Russia says it has ordered the $117 million in interest payments it owes Wednesday to be sent to investors, attempting to avoid its first international default in more than a century. But it's not out of the woods yet.
>That's because the funds the country used to make the debt payments came from Russia's frozen foreign assets, sanctioned because of its attack on Ukraine — so it remains unclear whether investors will receive their money.
Anton Siluanov, Russia's finance minister, told state media Russia Today that the country had made good on its obligations to creditors. But the "possibility or impossibility of fulfilling our obligations in foreign currency does not depend on us," Siluanov said, according to RT, warning that the payment might not go through if the United States disallows it.
>"We have the money, we made the payment, now the ball is in America's court," he said.
A spokesman for the Treasury said the United States would allow the payments to go through.
https://www.cnn.com/2022/03/16/investing/russian-debt-payments/index.html | 0.94 | t3_tfzgsh | 1,647,483,136 |
investing | Why is the Federal Reserve so concerned about engineering a "soft landing?" Have they ever successfully done so? | I've never read about a successful "soft landing" in the past; every recession I've read about seems to have had some sort of "hard landing" somewhere. Is such a "soft landing" achievable at all? If not, why does the Fed keep acting like a scared turtle with the interest rates? | 0.69 | t3_tfsppf | 1,647,463,552 |
investing | Question: OTC Pink foreign ordinaries | https://international.schwab.com/investment-products/adr-stock-and-otc-stock
i still don't quite understand after reading the article. i'm interesting in buying some MediaTek stocks. if i buy it thur OTC PINK (MDTKF), do i actually own the stocks that is trade in Taiwan or no? | 0.5 | t3_tfpbsp | 1,647,456,768 |
investing | Federal Reserve approves first interest rate hike in more than three years, sees six more ahead | So its begun we are now lifting off from low interest rates and it's good to see they have 6 interest rate hikes planned. It seems like Jpow is going of the measured slow approach which imo is the best approach as there is so much uncertainty these days (Russia, COVID)
Will be interesting to see what they do with the balance sheet roll off as that will be needed to be addressed soon as it's at 9 trillion
https://www.cnbc.com/2022/03/16/federal-reserve-meeting.html | 0.98 | t3_tfoau5 | 1,647,454,208 |
investing | Does a single lot marked as a wash sale mean my entire position is considered a wash sale? | I have an ESPP, and my company has a dividend. I used to have my account set to automatically reinvest dividends.
Last year, I sold an ESPP lot, then the dividend landed which was immediately reinvested, and the new lot was marked as a wash sale since it was within 30 days of when I sold the ESPP lot.
I am now looking to sell my entire position, which is probably 40+ lots, in a few weeks. This will realize a loss of a few thousand dollars.
Does the single lot being marked as a wash sale mean the entire sale of all those lots is considered a wash sale? Or just that one single lot? | 0.73 | t3_tfo2b3 | 1,647,453,568 |
investing | Stock puts and calls investment opportunity | Hi I have an opportunity to invest $100,000 with a friend who does puts and calls. He said that he guarantees a 14% return regardless of market conditions. I’m not familiar with how this would work and I’m asking for input as to whether this is a to good to be true situation. | 0.28 | t3_tfmfzg | 1,647,449,344 |
investing | Investors Sue Vanguard After Target Date Funds’ Big Tax Bill | [https://www.barrons.com/advisor/articles/vanguard-target-date-retirement-funds-lawsuit-51647366034?siteid=yhoof2](https://www.barrons.com/advisor/articles/vanguard-target-date-retirement-funds-lawsuit-51647366034?siteid=yhoof2)
​
\> Three investors are suing Vanguard Group for alleged negligence and breach of fiduciary duty, saying that changes the company made to target date retirement funds resulted in “massive tax bills” for individual investors.
\> The asset manage ... had two tiers of target date funds, one for individual investors and retirement plans with fewer than $5 million and one for institutional investors with more than $100 million, according to the lawsuit.
\> In December 2020, Vanguard lowered its minimum for institutional investors to $5 million.
\> That change sparked a sell-off in the retail target funds as smaller retirement plans sold assets in order to shift money into lower cost institutional funds, according to the lawsuit. Vanguard’s retail funds sold as much as 15% of their assets to raise cash to redeem shares, and in doing so realized capital gains which were distributed to the funds’ remaining investors as required by law, according to the lawsuit.
\> Vanguard had other options to avoid this outcome such as lowering the retail fund fees for plans that had at least $5 million invested or merging the two funds together, according to the lawsuit.
\> Ultimately, Vanguard did the latter, merging the funds together in September 2021. This had no tax consequences for investors, according to the lawsuit. “At this point, however, the harm was done. Taxable investors had already incurred unnecessary capital gains distributions—and corresponding taxes—that could not be erased.” | 0.93 | t3_tfked2 | 1,647,444,992 |
investing | People that set up a daily or weekly reoccurring investments, how well has that worked out? And would you recommend it? | I’m debating on setting up a daily reoccurring invest of a small amount into SPY, QQQ, and two more ETFs that I’m still deciding on but I’m wondering if this is the way to go about it or if I should just put in chunk amounts on red days/ when I have the extra money. | 0.83 | t3_tfjni2 | 1,647,442,944 |
investing | Liquid Investments - Something Physical? | First, let me get this out of the way- I'm maxed out on retirement contributions.
I want something physical to invest in that is liquid. I can't explain why, but my brain likes something I can feel/touch. I miss EE paper bonds. There was something so satisfying about getting that envelope in the mail. Something reassuring about flipping through them, counting them, admiring the designs.
Any suggestions on something similar? Something physical, fairly liquid, low risk, low return so I can scratch this itch? | 0.56 | t3_tf50c6 | 1,647,391,232 |
investing | Do you think it’s possible to use technical analysis on housing market? | As with stocks, we use TA for that. People use TA on SPY or ES to predict the price movements. Do you think it’s possible to use TA on real estate market? Even if it’s for a specific location? Maybe trying to apply MACD or RSI or Stochastic oscillator to do it | 0.07 | t3_tfg8om | 1,647,432,704 |
investing | Diversification of Portfolio | So I’m just beginning investing and I was looking for ways to diversify the portfolio. Right now I’m using Schwab and am in a few mutual funds, but I wanted to see what this forum had to offer. There’s so many options out there that it can be very overwhelming to choose. I am young so I can take risk. | 0.64 | t3_tfesnv | 1,647,427,584 |
investing | Bloomberg: China vows to keep markets stable and support foreign listings (ADRs) | https://ca.finance.yahoo.com/news/china-vows-keep-markets-stable-053034834.html
The government should “actively introduce policies that benefit markets,” according to a meeting of **China’s top financial policy committee led by Vice Premier Liu He**, the country’s top economic official. That vow to take investors interests into account comes after a sell-off in domestic shares due to fears over growth risks and tough regulation of real estate and internet companies.
The meeting offered investors re-assurance that a sweeping crackdown on internet companies was nearing its end and that the government would prevent a disorderly collapse in the property market. China’s banking regulator said after the meeting that it would support insurance companies to increase investment in stock markets.
Stocks surged after the announcements. **The Hang Seng China Enterprises Index jumped 13% at the close in Hong Kong, the most since 2008**, recouping nearly half of this year’s losses. The CSI 300 Index of mainland shares climbed 4.3%. | 0.93 | t3_tfeh2q | 1,647,426,304 |
investing | Preferred Stock HCDIP, 14%+ | Thinking of picking up some shares of this preferred with 14%+ yield and potential for capital gains of 30%. Financials seem to be on the uptick.
Any thoughts?
Pensando en adquirir algunas acciones de esta preferencial con un rendimiento superior al 14 % y un potencial de ganancias de capital del 30 %. Las finanzas parecen estar en alza.
¿Alguna idea? | 0.38 | t3_tfedif | 1,647,425,920 |
investing | Daily General Discussion and Advice Thread - March 16, 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! | 0.86 | t3_tfd9bb | 1,647,421,312 |
investing | Wash sales and selling ITM Covered Calls? | If I buy 100 shares of a stock and immediately sell an ITM call with enough premium to To cover the share loss with a profit, does the lost value of the shares trigger a wash sale against the net gain of the premium I sold with the ITM Call?
Example:
Buy 100 shares of a stock $100 stock for $10,000
Sell ITM CC for $95 for the end of next week and take a premium of $750 (and allow it to exercise)
In this scenario you lose $500 to shares but net a $250 profit.
Does it incur a wash sale?
Thanks in advance. | 0.71 | t3_tfbeps | 1,647,413,248 |
investing | rates vs quantitative easing | There is a lot of talk about raising interest rates, but little talk of unwinding quantitative easing. Why wouldn't the fed fully unwind quantitative easing first before raising rates?
Raising rates now but waiting until summer to even start unwinding quantitative easing is obviously intentional.
History says that quantitative easing was implemented because rates were already close to zero, and yet the fed still wanted to do more, so why are they keeping quantitative easing while at the same time that they are raising rates? | 0.86 | t3_tfaznw | 1,647,411,456 |
investing | International or Emerging Market funds that aren't heavy in China? | When I look at a lot of these international funds, I see a bunch of Chinese stocks. We're talking like 30% in China.
Given how unpredictable the Chinese government is, that's a lot of risk. Are there any good international or Emerging Market funds that are diversified but also not heavy in China? | 0.7 | t3_tf976j | 1,647,404,672 |
investing | How long does it take for rollover money to appear in my Vanguard IRA now that my rollover checks are in the mail to them? | ADP mailed me the rollover checks. I did the pre setup rollover paperwork for Vanguard to know it's coming. I mailed the checks a day ago. It will probably take take 3 or 4 days to reach them in Texas. Once they receive the checks, how long before I see my money in my account?
Edit: So I mailed them from NY at 3 pm. on Monday, and it's now Thursday morning, and all the funds are in there. That was quick. | 0.65 | t3_tf8y41 | 1,647,403,776 |
investing | Seeing a lot of talk about an incoming recession (feels legit this time) best investment opportunities? | I know people preach the end of days perpetually, but given everything that’s going on I think a recession is incoming. I’ve never been an adult during a recession but early days of COVID had investing opportunities that I failed to see. Im not going to miss what’s next. Recessions suck, but for an investor it’s an opportunity.
With that being said I’m on the lookout for good investment opportunities. Not buying a house while things are peaking.
For other investments im looking at electric freight like hyliion and some others.
What are you gonna jump on in the case of a recession? | 0.79 | t3_tf76z7 | 1,647,398,016 |
investing | 6 unit NYC rent controlled deal structure. give me feedback please! | There's a 6 unit rent controlled property in Brooklyn I found for $1.6M. Here are my thoughts on a plan:
1) equity loan on my home for 20% down (it would be less than the total value of my home)
2) conventional loan for the remaining 80%
3) pay both loans in tandem (unless there's a way to only pay 1 at a time?) through cash I have saved up for a year plus tenant rent until I can refinance into 1 loan. Ideally during that 1 year I will do a value add and cash out refi for BRRRR to repeat this again.
Rent control in NYC is strict and I think that's why it's only $1.6m for a 6 unit. You may say I'm better off taking that amount and using it outside the city, but I live in the nyc and it's a unit in an amazing neighborhood with a lot of long term growth potential. $1.6m for 6 units is not super common here at least from my searching over the last few years.
Please let me know if you think it's a bad idea to get involved with rent control tenants, having two loans in tandem, starting my first rental property at a 6 unit $1.5m spot, using home equity loan, or any other issues you may see with this plan. Looking to figure out all that may go wrong to find solutions up front. I do not have pre approval yet but my wife and I make a comfortable living between us with good credit scores that I am not so worried about the approval. | 0.35 | t3_tf653k | 1,647,394,816 |
investing | Thoughts on UK housebuilders ? | There's a shortage of houses in the UK, they're very expensive. Government is slow to act because of changes to planning laws and NIMBYism. But I believe that something has to give here and we will start building much more in the coming years.
I'm looking at Barratt Developments (BDEV) and Persimmon (PSN)
They have sensible PE ratios, BDEV has a 6% dividend and PSN is close to 11%.
Any thoughts ? | 0.7 | t3_tf28ab | 1,647,383,424 |
investing | Thoughts on EPAM (Epam Systems) stock? | (**tldr** \- excellent tech company with excellent financials + lots of Eastern European offices crashed, is now picking up steam again. Is this a golden opportunity to buy them cheap, or should I stay away?)
EPAM Systems is an American tech company that specializes in product development, digital platform engineering, and digital product design. Their financials look pretty solid:
* Revenue and net income growing year over year
* Total liabilities only \~29% the value of their total assets
* A good ROE
There's just one problem: they have (had) a lot of offices in Eastern Europe, and predictably, **their stock lost about half of its value when Russia invaded Ukraine**. [They have joined the sanctions against Russia,](https://seekingalpha.com/news/3809843-epam-systems-rallies-behind-employees-caught-in-the-deeply-personal-ukrainian-war) and it's not clear when (or if) they'll get their Ukrainian workforce back.
But in the past 5 days, their stock has regained a lot (+25%). Don't forget that they are still an American company, and they have also announced "business continuity plans" (i.e. hiring a bunch of people elsewhere in the world).
Do they have a chance of continuing to rebound? Is this a great chance to snatch up an excellent company/stock at a low price? Or are global companies with their hands in Eastern Europe basically done (for the foreseeable future), and should be avoided at all costs for now?
Would love people's input on this. | 0.75 | t3_teoxt4 | 1,647,350,656 |
investing | Need help with brokerage reports | Any way to access high quality research reports by the likes of JP Morgan, CS , Goldman , Morgan Stanley, Jefferies?
I’m an Indian investor..Have an account with IBKR ..and Jpmorgan morgan stanley etc don’t have services for non us residents.
Or any other resources to read about companies and do deep dive?
Like Substack or telegram channels or websites that offer for a price?
Thanks! | 0.67 | t3_texaxp | 1,647,371,648 |
investing | Is this a good time to change brokerage? | So as I understand it, when you switch brokerage, going from Fidelity to Vanguard, for example, all your shares get sold and the new brokerage buys new shares for the cash out amount.
Doing this when the market is high is a detriment, correct? Meaning, selling high then buying back in high, equals less shares. So my thought is, switch now when the markets low to be able to buy more shares at the lower price due to current market rates.
I'm referring to strictly index funds and remaining in the same funds after the switch. My current brokerage charges higher fees and doesn't have the index the new brokerage offers.
Is my thinking completely flawed? | 0.29 | t3_tewxsw | 1,647,370,752 |
investing | What are the chances S&P500 index sees 3800 this year? | Sorry if this post is stupid. I know macroeconomic predictions are stupid but I also feel that this sort of falls closer to "long term investing" than it does "daytrading/swing trading/momentum trading/technical analysis/guessing when + where the market is going at a micro level".
We opened the year 4796 and we're at 4242, a 554 point/11.5% drop
To get to 3800 would be another 442 points downwards, which is 10% from where we are now (would be 20.7% overall)
We all knew that with the fed raising interest rates, stock valuations were due to come down. More expensive debt (if the company is using leverage/debt to grow, which most are?) = more revenue/income/cash flow spent on servicing debt = less profits posted each quarter = lower EPS. According to https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html, we will most likely see interest rates be within the range of 1.5% - 2.25% by December 2022.
Oil seems to have come back down almost to pre-Russia/Ukraine war numbers. Light crude oil futures (CL1!) were at $92/barrel on February 24th. Currently sitting around $98 (down from their highs of $123). About a 6.5% increase. Granted, $92 wasn't a great price either, with oil mainly trading between $65-$85 for the year prior. If oil stays high... that's obviously an issue since it is responsible for so much of how the global economy works.
Rising interest rates, high oil prices eating into consumer spending power, inflation as a whole eating into consumer spending power, geopolitical conflict in Ukraine/Russia, fed slowly tapering the amount of bond/MBS purchasing they have been doing to remove the extra liquidity + "artificial propping up of value" from those markets, residential real estate home supply crunch keeping most regular people away from being able to purchase a home, therefore increasing demand for rent, increasing rental prices as well.
If this subreddit allowed polls, I'd do a poll. What are the chances the markets hit 3800? A geopolitical war in Ukraine/Russia got us 11%... my thinking is... that's it? Is the worst of it behind us? Will the markets keep trending/ticking higher like they always have? | 0.54 | t3_teuhlf | 1,647,365,376 |
investing | I am starting to think the funds in my investment accounts is Monopoly Money | With all the things going on nowadays it is amazing the stock market has held up as well as it has but now I am resigned to a black swan to wipe out most of my stock market money in the next year.
The only way I stay sane about the potential for a HUGE stock market drop is to see it as Monopoly Money. I could lose it all or maybe see huge gains if the craziness improves.
I can survive on my Social Security and cash on hand for the next ten years if there is a black swan.
To put all my eggs in one basket and expect a good chance that money in the stock market is going to pay my bills for the next thirty years because historically the stock market always recovered is a fool's game. | 0.3 | t3_terpqp | 1,647,358,464 |
investing | Hedge against potential recession / stagflation. DD. | Background: Well, we all know this but the recent economic data is mixed at best. Although it seems that the economy is booming, there's also a lot of risk factors. Moreover, stock market performance isn't always tightly correlated to the market i.e. USA economy grew quite a bit from 2000-2010 but looking at the stock market you wouldn't exactly guess that. Moreover the [schiller ratio is high](https://www.google.com/search?q=themotleyfool+schiller+ratio&rlz=1C1GCEU_enAE883AE884&oq=themotleyfool+schiller+ratio&aqs=chrome..69i57.8144j0j7&sourceid=chrome&ie=UTF-8) even with the current bear market/correction. Volatile energy markets present a difficult challenge, and a chance to further shake up, already damaged due to the pandemic but slowly recovering, global supply chains.
Assumptions: Although history doesn't repeat itself, it does rhyme. This recession won't be very different from the ones experienced in the past. So let's assume that this recession won't be different from the previous ones. Meaning that in the long term, DCA will be a good strategy. Buying the dip will be worth it. And that spare cash / cash flow at the lowest points of the market will be amazing long term.
Risk factor of the assumptions: Just to play the devil's advocate, the rise of China and the shrinking economic pie of the USA is, at least in my opinion, why this recession might be different to the previous ones. This recession, if significant, can change the world order. Now, not to be dramatic, but world orders do change , previously mostly because of wars (like when USA became the hegemon after the disastrous world wars in Europe), but this time the Pandemic, the war in Ukraine (which can lead a lot of countries like Russia to start using Chinese swift or currency as the reserve currency) can be deciding factors. Is this certain? No, but it is a risk factor in the assumptions. That doesn't mean that the US stock market won't recover, but that the insane explosion of the stock market that USA experienced in the 20th century, in large parts funded by the USD being the reserve currency for the rest of the world as the result of Bretton-Woods agreement, might be enjoyed by China this time.
Strategies:
Below are my 4 strategies. Main goal is DCA through DRIP and contributions. I generally aim to strike a balance between them all, but I still have a lot of growth stocks left, but I'll try to rebalance my portfolio into roughly equal parts with the new cash flow.
A. [The famous quad-fecta covered call income portfolio](https://www.reddit.com/r/qyldgang/comments/ncp0bl/quadfecta_covered_call_income_portfolio_analysis/). I do not see the the point of writing too much about this because there's some amazing DD done on the original post. I'll just add this as there seems to be some confusion about this, in my understanding unlike dividend stocks that give you dividends per share, covered call ETFs give you dividends as the percentage of the fund, therefore during the recession - the lower the NAV of the fund, the lower is the dividend. However, having a steady stream of monthly cash from dividends will help you catch the bottom
B. Dividend Stocks & ETFs
NOBL- is the ETF tracking the so-called Dividend Aristocrats, basically the companies that have increased their dividends at least once per year for at least 25 consecutive years. Unfortunately dividends are at an all-time low right now simply because the P/E ratios are so high. NOBL yields about 2.5% per year. The point of this fund is to have the same income per share no matter what market conditions. Companies like Coca Cola (KO) have held their dividend steady for at least 60 years iirc, so if they could weather previous market downturns, they can weather this too.
TROW - T. Rowe Price a large mutli-services financial services company with $1.5 trillion AUM. They're dividend aristocrat with a long and storied history. Their P/E is at about 10 right now, which is below the liked of Black Rock (18x) Charles Schwabb (30x) State Street (11.6x). They also yield the highest dividend of the ones listed above, about 3.5% right now. They're also down about 35% from the highs. I've searched far and wide to see if they have some sort of massive problems that are dragging down their shares, but the conclusion I've come is that they are quite invested into growth companies that have been in recession which is dragging them down, however their financials and their future is not in any jeopardy at this point and they look very stable and close to value territory.
ABBV - Abbvie, a health pharma company that specializes in branded drugs. Spun off from Abbot Labs in 2012. Some count them as a dividend aristocrat by counting their shared past with Abbot. They actually have an amazing and growing financial sheets. YTD while the market was in correction territory they grew 14%, and the best part? They still yield above 3% per year. Pharma is an inelastic good, although people might prefer to use generic drug during an economic downturn. Also important to note that they're expensive with a 23x P/E ratio. That being said, their 25% net profit margin that's still growing and the 3.5% yield is enough to sway me.
BTI - British American Tobacco company. Currently yielding above 7% per year. Nicotine is quite an inelastic good that is generally not affected much by recessions, if at all. Of course, there are also moral aspects to consider, but this post is not about that. BTI is heavily involved into smokeless nicotine products like VUSE, which are rapidly growing, and they're a very profitable company (about 26.6% net profit margin)
SCHD - A value fund from Charles-Schwabb. Pays monthly dividend, in total about 3.5% pa
A few other ideas: Not invested yet, O (realty Income), Shell, SPHD, SBUX, HD
C. Growth stocks:
A lot so-called hype companies are more than just hype. Right now might not be the best to invest into them, but I think a lot of them have very high potential and be worth a lot more in the future, therefore I'm buying the dip. Here's the list of the ones I have:
FUBO, NIO, PLTR, PSYK, SGHC
DD on these companies are popular on a lot of reddit forums therefore I will not write much about them
D. Global investments:
Although not invested yet, this will be my next move.
JGGI - JpMorgan Global Growth & income PLC. I like everything about this fund. Large name association, Global diversified portfolio, low P/E (5x), high dividend (3.5%), stable NAV Growth (44% in 5 years).
ACWU - MSCI iShares fund that invests mostly in EAFE stocks without USA. 2.9% yield + stable growth 46% in 5 years.
I'll be researching more into Global Markets to diversify the risk, however would be happy to hear get some recommendations on Global Markets and anything else I mentioned in my post. Hope it's been useful. | 0.71 | t3_teql13 | 1,647,355,392 |
investing | Question about the Efficient Market Hypothesis: You can't outperform the market, but... which market? | An investor who went to Wharton overheard me talking about finance at a diner the other day. He told me you can't outperform the market by stock-picking. My question is: Can you "market-pick"? The Japanese stock market sucks, for example, compared to the US stock market. The cryptocurrency market probably outperforms everything else by a long shot, too. Does he mean you can't crypto-currency pick and out-perform the crypto market or precious-metal pick and outperform the precious metals market? My thinking is that each market differs in volatility, and the reward goes up with the volatility, and there is a smooth balance between risk and volatility such that you can choose a market with more volatility and reliably get more reward if you invest for long enough. Does this make sense? | 0.8 | t3_teqgzf | 1,647,355,136 |
investing | Saudi arabia is apparently pricing some oil sales in yuan instead of dollar | [https://www.bloomberg.com/news/articles/2022-03-15/yuan-surges-after-report-on-saudis-accepting-currency-for-oil](https://www.bloomberg.com/news/articles/2022-03-15/yuan-surges-after-report-on-saudis-accepting-currency-for-oil)
​
This could be the beginning of the end of the petro dollar | 0.85 | t3_teq7kt | 1,647,354,368 |
investing | My Strategy is Keep Buying | My sympathies are with anyone who is retiring this year or next, it must be a very stressful time for you. If you don't need to cash out though what's your strategy? Mine is just keeping buying. I think we are in an accumulation phase not to be missed and that new all time highs in the 20s are all but guaranteed. #BABA #QQQ | 0.83 | t3_tepy0n | 1,647,353,600 |
investing | What are your possible multibagger stocks to play the possible rebound in the next few years? | Out of adversity comes opportunity. While most active investors that weren't invested in Commodities or Real Estate are taking a beating, bears are laughing all the way to the bank, index investors and stock pickers are eyeing the stock market for opportunities. I am one of those, and while I somewhat disagree with the idea of index investing, I have something in common with them: the idea that the market, save for a few points in time, will always go up. Now, I'm not advocating for timing the market (well, I mean, kinda), nor am I calling the bottom. I'm suggesting that the current downward trend of the market will end at some point, and will be prime time to buy amazing companies at a discount. Some of the exact same type of companies that are being punished today will be the heroes of tomorrow. So for those of you who haven't relented to index investing and still dream of multibagger gains, what companies are on your radar that you think right now are multibagger opportunities (and will only become more attractive as markets keep going down). | 0.46 | t3_teps3s | 1,647,353,216 |
investing | Oil output expected to rise in April. Thoughts on the impact to the market? | Do you think this will be a pass through savings or still impact market pricing?
​
[Oil Price Article:](https://oilprice.com/Latest-Energy-News/World-News/EIA-US-Shale-Production-Set-For-Big-Jump-In-April.html)
*For April, the EIA now sees U.S. crude in the Permian rising from 5.138 million bpd to 5.208 million bpd—a 70,000 bpd rise. The Eagle Ford is expected to see the second largest increase with a 23,000 bpd rise to 1.146 million bpd. The Bakken is expected to increase by 16,000 bpd.*
*The EIA has estimated that the number of Drilled but Uncompleted wells (DUCs) fell 156 to 4,372 for the month of February. The DUC count—or fracklog—is often seen as a bellwether for the state of the oil industry. Higher DUC counts often signal that oil companies are comfortable spending money on wells that are unfinished and no producing. The DUC count in the United States has been falling since mid-2020.* | 0.66 | t3_tepcyj | 1,647,351,936 |
investing | What do you think of this plunge of the Chinese giant? | BABA has lost $600 billion in market capitalization.The Chinese company has lost 70% of its stock market value since October 2020. A setback following the release of exceptionally bad financial results, including a more than 50% decline in profits.
[https://imgur.com/tWiDB6j](https://imgur.com/tWiDB6j)
[https://imgur.com/CcsMgxF](https://imgur.com/CcsMgxF) | 0.94 | t3_teopi0 | 1,647,350,016 |
investing | People with bond heavy portfolios - are you buying more with every rebalance/paycheque? | I recently cashed out a large portion of my home equity to increase my pace of investing. I decided to hedge my tech heavy portfolio with bonds (US LTT and US LT TIPS). I also decided to add more bonds with every paycheque to slightly reduce the correlation of my portfolio with the Nasdaq. Unfortunately, that backfired spectacularly and I'm seeing near six figure losses YTD as bonds and stocks became heavily correlated, which I found strange considering that just about anyone on even Reddit, let alone professionals knew that the Fed was going to greatly increase interest rates in 2022. In addition, I figured that the US bond market would be a flight to safety that is sheltered heavily against the war in Ukraine.
For those of you heavy in bonds, are you still adding with each paycheque/rebalance, or are you sitting this one out? | 0.67 | t3_tenue1 | 1,647,347,328 |
investing | Daily General Discussion and Advice Thread - March 15, 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! | 0.78 | t3_teko43 | 1,647,334,912 |
investing | Best way to compare fund performance before 2020? | I am actively researching the best funds to invest in for the long term of 20+ years. But it is bad enough that we've been in a 10 year bull market and it is long overdue for a correction. Then came 2020 and everything in the market seems to have shot up only exacerbating the long term scenario. So I would rather compare funds that don't involve the massive run of the last 2 years. I would prefer to be able to compare using annualized return parameters such as between 2001 - 2008 or 2010 - 2019. Those were recovery periods after crashes that were more representative of what a fund might perform like in the next 20-30 years. Plenty of research sites give you 5 or 10 year returns, but those include the anomalous years like the last 2.
And yes, I know that I can't discount crashes like in 2008 if planning for the long term future as they will inevitably happen again. I'm just wanting to see which funds are better performing on the positive side during more moderate years.
Is this possible to get a list of funds to compare annualized performance during specific ranges? Or do I have to plug in annual returns into an excel spreadsheet and run the math myself? TIA | 0.36 | t3_teex03 | 1,647,312,640 |
investing | Is it a good plan to fund your Roth IRA extra with dividends inside of it? | I've seen people say they have like 10k in Reits like O or other quality paying dividend funds in their Roth IRA so that they can use those dividends to buy other funds like VTI. They do this because they max out the 6k limit and want to be able to invest more. Does this work or are you better off just using the 10k to purchase VTI from the start? | 0.83 | t3_tecii8 | 1,647,305,472 |
investing | My 13 year old daughter wants a job and I want her to help me analyze/track stocks | So, she's starting to be a full blown adolescent, going out with friends to movies and the mall, and wants to have more money than just an allowance. She's very smart, and is driven. She's been trying to make some odd jobs around the house for herself. Today, she asked me to buy a lawn mower so she can mow the lawn and make money. I was in the process of reading some analisys on a stock, and came up with the idea of having her do some basic data entry on a spreadsheet/track some info on stocks for me. She was thrilled! she immediately started asking questions. I told her we can work something out, and of course now I'm here for advice:
What would you do with a very basic clerk/intern to help you with your investing?
here's some of the stuff I came up with:
\- I want to give her tickers and have her record on a spreadsheet things like P/E, P/S, earnings growth, sector, etc. maybe update it once a week or once a month? what would you track? I have morningstar premium, and I can have her record their fair value too. Tipranks price targets?
\- Use her as a basic alert system, like texting her "set alert for MSFT at 250" and have her notify me
\- I wouldn't want her reading up news, or reddit posts, since that can be too much for a 13 year old.
\- Some of the harder stuff to find online, maybe? like insider selling/buying? would that be easy enough for a 13 year old to find and record? maybe she can just look it up and screenshot it for me?
I bet I'm not the first one trying to do this, what are other's experiences with this? | 0.67 | t3_teaaik | 1,647,298,816 |
investing | The housing market crashed due to sub prime mortgage back in 2008. If the housing market is crashing again, what could the reasons be this time? | We could already be in a crash, and if the housing market is ever going to crash, what could the reasons be this time? A lot of people are still moving their money to a safer place, the real estate. It doesn't seem the demand has decreased. Are we ever going to see a crash in the housing market? | 0.85 | t3_te6g7g | 1,647,288,320 |
investing | Are IG accounts (digital assets) better than real estate? | Think about it. I could buy a home for 50k down probably rent it for 2k-3 a month. BUT I could also buy an active ig account meme/media page with 100k-1 million followers for maybe 10-50k and make 10 grand a month from sponsors and brand deals on the account. What do you guys think? | 0.19 | t3_te69xy | 1,647,287,936 |
investing | Why not use Leverage ETFs over a long term horizon? | Dollar cost averaging SPY or QQQ or VTI is considered prudent investing over long term (eg 20 years). My question is, that if stock market is expected to grow over 20 year timeframes, does it not make sense to put money in a Leveraged SPY (SPUU?) or TQQQ like funds to make your money grow faster?
Sure crashes will be harder, but we are talking about long term investing over 15-20 years?
Any long term leveraged index funds which are recommended? | 0.71 | t3_te5peg | 1,647,286,400 |
investing | 10 year treasury yield up to 2.13% - yield curve now + 0.65 bps | Crazy move in bond yields today as stocks and bonds retreat lower. Fed expected to raise rates this week to .25bps as the fed funds rate. Nasdaq is now down -22% since its high and officially in a bear market. Since 2018, it is pretty evident any tightening of monetary policy will send markets immediately into a correction when there are these valuations. However some stuff out there is looking pretty great .
I bet big boy Warren is deploying cash left and right. | 0.95 | t3_te4da8 | 1,647,282,944 |
investing | Can anyone help me understand ibonds? | I've seen some talk of these ibonds lately and don't know if I quite understand them. Any information anyone can share on them would be helpful.
My main consideration is that I'm in the phase of my life where I'm saving for a house. I have a fair amount of money sitting in a savings account and I keep adding to it each week. Is it more worth it to keep majority of that money in a brokerage account, buying ibonds? I won't be buying a house for 2-3 years and am worried about my money losing its value during that time.
Is this a safe bet? Or am I looking at this wrong? | 0.75 | t3_te0pus | 1,647,273,472 |
investing | Domestically produced sunflower oil | As I’m sure many know by now Russia and Ukraine are the 2 largest producers of sunflower oil and the current conflict means we can’t import sunflower oil from there.
I was wondering if anyone is looking into investing into domestically produced sunflower oil companies or companies producing alternative oils, and what companies there are that do this. | 0.68 | t3_tdzqmr | 1,647,270,784 |
investing | Stagflation in the 1970s & Stagflation in the in the 2020's. | When people think of the U.S. economy in the 1970s, many things come to mind:
\- High oil prices
\- Inflation
\- Unemployment
\- Recession
A question for baby boomer investors and historians who have studied the US or European stock market during the 70's.
a) Which sectors of the economy performed well and why do you think this was so?
b) Can you recall any specific companies that thrived in this environment, and if so what were the forces that enabled them to outperform?
c) Do you recall if there were any windfall taxes on companies that outperformed in the 1970's?
d) If we have a stagflation and a recession in the later 2020's, which sectors of the economy do you think will out perform and why? For example, can you draw any parallels between what worked in the past and what might work in the future. | 0.79 | t3_tdvcb2 | 1,647,257,344 |
investing | Daily General Discussion and Advice Thread - March 14, 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! | 0.78 | t3_tdt3km | 1,647,248,512 |
investing | Does Mid-Cap Value have a historical premium? | I've been doing quite a bit of reading about Value premium most prevelant on Small Caps. I decided to tilt my portfolio to small Value following more closely to Ben Felix's 5 factor Portfolio.
In my readings, I have seen mixed messages about the tilt on Mid Caps. Often times it is implied that Value overall historically performs better across all Caps. Sometimes it seems like Small Caps and Mid Caps are sort of lumped together. And of course, often times it seems like Small Cap Value is the sole focus.
* Is it worth tilting towards Mid-Cap Value in a Value strategy?
* Are there any noteworthy Mid-Cap Value ETFs to look out for? | 0.65 | t3_tds3r6 | 1,647,244,160 |
investing | Oil Markets and Geopolitics | As the largest oil companies in the world are government-owned, oil is very political. This war in Ukraine has obviously spooked energy markets, and that has had spillover effects into the stock market. John Mearsheimer, who has been correct in most strategic matters involving use of force, [particularly pertaining to Ukraine](https://www.reddit.com/r/NeutralPolitics/comments/t54rlm/what_was_the_stated_reason_for_nato_expansion/hz3jd8z/), believes that Russia is serious about NATO posing an existential threat to itself, and thus will go to extreme lengths to ameliorate this threat, making comparisons to US firebombing campaigns over Japan which caused hundreds of thousands of civilian casualties in WWII. [He believes Russia will not stop until Ukraine is reduced to rubble.](https://www.youtube.com/watch?v=ppD_bhWODDc&t=1434s)
If the above prediction comes to pass, it will likely have consequences that will take several years if not decades to play out. As Russia is a major hydrocarbon producer, this will result in a significant supply disruption to most NATO countries for the foreseeable future, which will likely lead to elevated oil prices in the foreseeable future.
[The WSJ also believes there may be spillover effects related to America's security guarantee around the world](https://www.wsj.com/articles/how-ukraine-was-betrayed-in-budapest-russia-vladimir-putin-us-uk-volodymyr-zelensky-nuclear-weapons-11645657263):
>The inability of the U.S. to enforce its Budapest commitments will also echo in allied capitals that rely on America’s military assurances. Don’t be surprised if Japan or South Korea seek their own nuclear deterrent. If Americans want to know why they should care about Ukraine, nuclear proliferation is one reason. Betrayal has consequences, as the world seems destined to learn again the hard way.
The last time a geopolitical event spooked oil markets was the US invasion of Iraq. Oil spiked from $20 to $140 during the occupation, with the only thing causing oil to fall was the 2008 financial crisis. Before that, there was the oil embargo during the 70s, which also resulted in a decade-long elevation in oil prices. Both the 2000s and the 70s saw a severe, decade-long contraction in the stock market from previous highs.
This particular geopolitical event (according to video above) is the worst Europe has seen since WWII. Caveat emptor, plan accordingly. | 0.79 | t3_tdq2bx | 1,647,235,840 |
investing | Is there a chance for deflation? | The economic situation is incredibly tough right now, even on people doing moderately well (engineers, docs, lawyers).
Markets are down 10-12 %. Crypto isnt doing so hot. International markets are also down
But the cost of everything is getting worse and worse.
I know gas can go up and down pretty flexibly but wages, food, cars, homes, pretty much everything is shooting through the roof. So while essentials climb, it feels like income streams/investments are falling
When I look at yearly inflation charts, it seems like there really isnt any deflation except for <1% in 2008.
Is this really the new normal for commodities? | 0.9 | t3_tdkwvp | 1,647,218,304 |
investing | Historical Stocks Dynamic Data | Would this product be of interest to anyone?
[https://fog-class-423.notion.site/Historical-Stocks-Dynamic-Data-8ef1933409d54a9cb845498f151b7127](https://fog-class-423.notion.site/Historical-Stocks-Dynamic-Data-8ef1933409d54a9cb845498f151b7127)
As a retail investor I have found myself creating an excel spreadsheet of EPS/PE ratio data of stocks I am interested in and have found it annoying to keep updated as it isn't dynamic. Would any value investors be interested in a dynamic interface of historical EPS data ? | 0.69 | t3_tdhxpd | 1,647,209,472 |
investing | Why I Love Active Investment: It's not about beating the market | **TLDR**: Market is made up of participants with different goals & investment horizons. I reject the notion of an "Efficient" market...its simply a weighted average of what market participants are doing. My own goals are different from that of the average market participant.
Much adieu is made by Bogleheads over how difficult it is to "beat the market", with fewer than 80% of funds "beating the market" year-over-year after costs. The assumption here is that the investor seeks to earn the 'average' market return, minus fees. Efficient market hypothesis will state that every stock has the same risk-adjusted expected return given the information available out there. Let's entertain this idea, and assume that Johnson & Johnson (JNJ), Tesla (TSLA), and some bio-tech small-cap have the same expected **risk-adjusted return**.
Notice the key part highlight: **risk-adjusted**. Clearly the expected **dispersion** of outcomes for a blue-chip dividend grower like JNJ is going to be different from a higher-risk bio-tech small-cap. The small-cap has potential to be a 10-bagger, whereas it also has a much higher chance of going to zero. Tesla on the other hand is an entirely different beast from either, with option-activity off the charts compared to anything else in the S&P 500.
Imagine if you will, that there is no benchmark & no index. You only have three investors:
* **The conservative**: They are seeking the 'surest bet' of a return that keeps up with inflation. They are okay under-performing other investors in exchange for limiting risk of a major draw-down or wipe out.
* **The professional day trader**: They don't care if the stock goes up or down long-term, they are seeking the most intra-day volatility.
* **The YOLO speculator**: Seeking the biggest max payout possible.
If they each are only allowed to pick a single stock, it's pretty clear who would pick JNJ, TSLA, or the bio-tech.
Let's bring this to why I reject the absolutism over broad-index investing. The market is efficient, sure, but **efficient at what?** Pricing, valuation? Clearly not, as ARK bag-holders have learned the hard way. Instead it's efficient at providing a view over the $$$ flows of the **average-weighted market participant**. So what does it mean then to invest in a broad index? At a macro-level, it means you are following the flows of what the average participant is doing, but what sense does that make if every participant has different investment horizons and goals?
Look, the Boglehead system is certainly right for most folks. Costs matter, and most folks are better off index investing as many fortunes have been lost chasing the returns of hot funds, or doubling-down on losers. Active investing is hard, you either need to spend a lot of time or find a good - and cheap - manager whose portfolio-management is in alignment with your investment goals. I know only a handful of managers I'd trust in this regard, and they all fall under the 'Conservative' camp.
As for my own circumstance, I actively invest so that I can stick to securities and strategies that are in alignment with my goals and investment horizon. I am risk-averse, I don't hold "bubble stocks". This doesn't mean I'm afraid of market downturns, those are unavoidable. I'm afraid of things **much worse.** My biggest fear is a complete wipe-out, followed by a Japan-style scenario where markets have a dead double-decade. My goal isn't return-maximization, but risk-minimization.
I'll share a glimpse of my current stock portfolio construction (not a recommendation, really... I've gotten very "lucky" if you will in energy and do not suggest chasing) :
* Over 15% allocation (currently) to oil & gas producers & infrastructure to hedge against inflation. Most of this is in a Canadian energy producer as I seek to avoid the risk of US oil/gas depletion.
* 5% allocation to gold \[previously 10%\] as a hedge against slowing growth & geopolitical risk.
* A small allocation to gold miners, which are all hand-picked so my exposure is only to Canadian/US gold mines. Note: there are literally gold miners in the index that have exposure to Russia - oof.
* A significant over-weight to European/Japanese equities, simply because I don't want all my eggs in the US basket.
* Most my US stocks are in industries that have minimal geopolitical or disruption risk. For example, I have a large holding in a funeral-services conglomerate.
* An overweight to utilities as I am bullish on their long-term contributions to electrification, but instead of holding XLU I hand-pick as I want to avoid any utilities with wild-fire risk.
Have I been "beating the market"? Actually - mostly thanks to the energy overweight- I have over the last few years...but I frankly don't care about beating the market and who knows if I will going forward. Investing for me is about meeting my goals. To the folks out there that want to deviate from the broad index, just be aware that the market is more efficient than you think. The only thing you can control is how much **risk** you are willing to take. If your goal is to "beat the market", you're thinking about it wrong. Instead, think about your **goals** and whether you want to take on more-or-less risk than what the market is offering. | 0.48 | t3_tdfol2 | 1,647,203,328 |
investing | Prosus N.V. ($PRX.AS) $160 billion valuations, real market cap a lot lower than online can be found. | Prosus N.V. ($[PRX.AS](https://PRX.AS)) is a technology investment company, with it largest holding being Tencent. **Tencent** is one of the big tech companies of China. This is by far their largest position. **Different outlets have stated that Monish Pabrai bought Prosus**. Of course, the focus should not be on the fact that such an investor has bought the stock.
The very interesting thing is that Prosus is trading at a big discount of the value of the Tencent shares they hold. It is mainly interesting because it is a big difference, some difference is not weird because you can not decide what they sell and hold. The CEO has announced they will not reduce their position for three years.
Even more interesting is that online the shares outstanding are wrong, with that the market cap. Yahoo Finance high overestimates the market cap of Prosus N.V. ($[PRX.AS](https://PRX.AS)), even google. This is caused by the fact that Prosus owns a lot of shares in Naspers and Naspers in Prosus, they also share a board. Because of this you have cross shares, Prosus owns shares of itself due to Naspers. I was referenced to the source of their shares outstanding here: [https://www.prosus.com/news/investors-shareholder-information/](https://www.prosus.com/news/investors-shareholder-information/), **after I emailed their investor relations.** Since with google searching, this page was not easily found.
With valuing Tencent, Prosus can be conservatively valued by just looking at the Tencent stake. They have $12 billion in liabilities. The value of their other assets widely covers this, these are in part ventures, food delivery, fintech, and classifieds. You could argue that these are highly valued in this environment, you could argue tech is in a bit of a bubble. This gets taken into account in the **$160 billion valuation**: [https://www.financialstockdata.com/prosus\_write\_up](https://www.financialstockdata.com/prosus_write_up) . The focus is on Tencent, CEO's share activity, and showing their other assets for your own judgment.
What do you think about Prosus, and such types stock? I can vaguely remember Peter Lynch had an example of this in one up of Wallstreet, Does anyone know about this? | 0.41 | t3_tdbeaq | 1,647,191,424 |
investing | Daily General Discussion and Advice Thread - March 13, 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! | 0.8 | t3_td2xq8 | 1,647,162,112 |
investing | What are your thoughts on GTE? | How do you guys feel about GTE? I just threw a couple dollars in there and it’s since dipped 4.82%
New to this and was just curious if this is a hit or a miss and should I hold?.
P/e is at 8.32 and p/b is at 1.9
It’s been steady down for the last couple days until yesterday afternoon. It bounced up but that’s about it.
Thank you. | 0.38 | t3_tczrxl | 1,647,148,800 |
investing | Actively Managed vs S&P 500 | The title pretty much says it all. Up until now I’ve been “managing” my portfolio aside from my 401k that’s offered at my job. I want to also have another account that would be ready to pull from in the next 10-15 years (I’m 20). Should I just DCA into the S&P for the next 15 or so years or should I get a professional to pick and choose for me? Pros and cons of either? I’m not really sure what those financial firms do or if they are consistently capable of outperforming the market. Any advice is appreciated, thanks.
Edit: If I do go the S&P route, what is the next step to diversifying beyond real estate (physical and REITS). | 0.85 | t3_tcyvp8 | 1,647,145,344 |
investing | Can I switch Brokerages for my Roth IRA account? | I opened up a Roth IRA account with Fidelity some time ago, despite trying to read up on it I’m still confused about two things:
1.) Do I need to reinvest the money in my roth ira into stocks/ETFs to see significant gains?
2.) Can I switch brokerages for my Roth IRA? Say I wanted to switch from Fidelity to Vangaurd, is there any penalty if I do that?
edit: thanks to everyone who replied! | 0.69 | t3_tctbu2 | 1,647,126,528 |
investing | Rocket Company Cyber Security | Anyone have any info on what operating systems/security software the various rocket companies are using? Any software/computer hardware companies they're working with, and/or if any related partnerships have taken place/planned/ongoing?? ...Wondering about what tech stocks and other companies might grow as a result from the various rocket/space companies doing launches in the coming years. Building a cybersecurity/space portfolio. | 0.43 | t3_tcqkm8 | 1,647,118,336 |
investing | Rate/Advice for my possible dividends portfolio? | So I have some sizeable funds coming my way in the near future. I want to grow my wealth and create a long hold dividends portfolio. This dividend portfolio won't be 100% of my net worth though. I've curated a list and I think it's pretty good, curious what you guys think and if I should add or remove anything, or if you have any other helpful suggestions. I want to add that on top of this I plan to set aside a portion for mutual funds and my tax free accounts (Canada). Currently in my TFSA I hold stocks that would be considered riskier, such as TSLA, RKLB, CHPT, LCID, PL, CRSP. I also want to add AAPL, GOOG, MSFT to that list. I am late twenties, a mature student with 3 years of schooling left, no dependants, not a homeowner. Considering that too, except markets here are fucked.
Finance | Yield
---|---
BMO.TO | 3.63
BNS.TO | 4.39
CM.TO | 3.98
NA.TO | 3.49
RY.TO | 3.27
TD.TO | 3.5
Consumer | Yield
---|---
KO | 2.75
MCD | 2.16
MO | 7.15
SBUX | 2.02
Energy | Yield
---|---
CNQ.TO | 3.56
CWEN | 4.07
ENB.TO | 6.53
Insurance | Yield
---|---
MFC.TO | 5.15
SLF.TO | 3.7
Computing | Yield
---|---
IBM | 4.99
INTC | 2.67
Telecom | Yield
---|---
BCE.TO | 5.28
RGI | 3.04
TU | 3.88 | 0.77 | t3_tcpp6y | 1,647,115,776 |
investing | Things are going to get a lot worse before they get better | Ive been bullish for a long time despite even the pandemic. I was confident the FED would do the right thing and raise rates, and the government would chill the fuck out with the spending. (Monetary and fiscal policy).
Well, after seeing inflation data and the governments response, I’m bearish. Biden blames Russia 100% for inflation. There is zero talk of cooling spending, he even said “I’m sick of the American people saying government spending causes inflation”. Fact, high government spending is one of the many parts of demand pull inflation which is what we are experiencing; unless he has discovered a new facet of Keynesian economics.
Now there are [speculation] talks of an invasion of Taiwan, if that happens we are definitely fucked because thats where almost all of our silicon comes from. (This is the most speculatory part, it is a risk that needs to be considered though)
Inflation is going to get worse. The government is not going to do shit as they’ve indicated. Since 2008 the government solution to everything is to throw money at it. The fed isnt going to do shit, theyve literally fucked themselves into a corner. They cant raise rates, we wont be able to pay for our debt. (I mean raise them significantly. Not fucking .25%)
I think we are in for a horrible fucking quarter with where gas prices are. The spike in gas prices solidified my bearishness: when gas prices are up literally everything under the sun costs more.Companies will need to raise prices more, consumers will become priced out and more frugal, demand will fall, stagflation.
This being said I am holding still, but I will be waiting a couple months before buying more. Especially after Q2.
Also, why are NO politicians holding the FED accountable right now? Ive seen nothing in the news cycle about it.
Oh yeah lets not forget the housing market is absolutely fucked right now.
Edit: a lot of you seem to think 8% inflation is good for stocks. LOW inflation (2%) IS good for stocks and economic growth. HIGH inflation is VERY bad for the economy, head math: prices go up, value of money goes down, consumers buy less. Bad. | 0.74 | t3_tcp8qh | 1,647,114,368 |
investing | Chip shortage, Ukraine, Gas prices, Recession | All the markets, especially crypto, are getting hammered. I'm probably wrong but it seems the biggest cause is the chip shortage followed by the war in Ukraine and gas prices. People are pulling out of the markets and either are holding cash or buying homes. Chip shortage may be resolved by 2023, the war and Ukraine may last years, odds are we may hit a Recession. What's everyone's thoughts and long term investing strategy (besides holding) during these crazy times. | 0.88 | t3_tcl07x | 1,647,105,152 |
investing | best global/international brokers (that wont ruin me with commissions) | Is there any broker i could use for stocks, indexes, ETFs etc. anywhere? Think Asia, Europe and Oceania, not USA though.
I've been using XTB for everything stocks related but i'm soon moving to literally the other side of the world for who knows how long, then probably Asia and so on. XTB is not available at all in some countries, it mostly functions in Europe. I need a reliable broker for investing globally, any ideas? Is Interactive Brokers a good option? | 0.71 | t3_tchsvb | 1,647,096,192 |
investing | Daily General Discussion and Advice Thread - March 12, 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! | 0.73 | t3_tcd9pu | 1,647,079,296 |
investing | Mutual funds and impact of drawdowns on returns | In my country we unfortunately don't have access to global stocks and ETFs, the only way to gain exposure to foreign markets is through overpriced mutual funds. It's better than nothing though, but during this downturn I'm learning mutual funds carry a risk not necessarily derived from the underlying asset,**drawdowns**.
When redemptions outpace and negate the organic price movement of the underlying assets, you could simply watch you capital shrink and this is not based entirely on the sentiment of the holders of the fund(profit taking, rotation, lost belief in the fund managers/strategy etc). How can one guard against this? What signs to look out for to identify more stable funds which are less prone to huge losses due to drawdowns? | 0.67 | t3_tcc929 | 1,647,074,944 |
investing | Questions about Series I Bonds Before I Invest | Hi guys. I'm interested in Series I bonds. I want to know how they work before investing in them.
1) Is it true that the interest rate on them can change every 6 months? For example, if I buy one at 5% now and the Fed increases rates which in time would decrease inflation, would the govt decide to lower the rate of my bond to 3%? So the interest rate on my bond can change by the whim of the govt?
2) Also, how can the series I bond yield become less attractive over time as interest rates rise if yields on other govt bonds can reach as high as series I bonds?
3) How long are the maturities on them?
4) Does it make sense to invest in them compared to other investments?
5) Can I invest $130,000 in them?
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investing | Is it worth it to maximize my 2021 roth contributions while paying a bit of interest to credit cards. | Currently I have an automatic portfolio at fidelity and it’s doing pretty well all things considered. I just started getting into the investment seen like 4-5 months ago so I don’t have my 2021 roth contribution maxed yet.
Do you think it’s worth it to put every available sent into my 2021 Roth due to the window closing soon (April) and the fact I’ll never being able to get it back if I don’t do it now.
Only downside is my credit card won’t be paid off for another month so I’ll just have to pay like $30 in interest. | 0.79 | t3_tc8sea | 1,647,060,736 |
investing | Is Meta/ FB on sale right now or a plague to be avoided? | FB has been one of the successful tech stocks for a long time now. It's only 187 a share with a high of 378. I don't see why it would tank. They have adapted and continue to acquire new apps and platforms. With the metaverse coming I can see that also adding a lot of value in ways we can't really imagine yet.
It might not happen this year, next year, or even the year after. But in 5 years do I think my money would double? Well, idk that's why I'm asking strangers on the internet. | 0.87 | t3_tc6vdb | 1,647,053,824 |
investing | Some perspective for anybody getting wrecked by the recent market | I come bearing the scars of this turbulent market and I wanted to offer guidance for people struggling with the psychology of getting crushed.
Yes, I’ve made mistakes and my account is nearly cleaned out but I realized there are still highlights. It’s important to take stock of the blessings in your life no matter what they are in order to stay grounded.
For example: While my account has been sliding backwards for months I haven’t used any money I need to get by, allowing me to chalk up mistakes as market tuition and to realize it’s “just money”. Meanwhile, people in other parts of the world are losing everything including their lives making me realize it could always be worse.
On a personal level, I’ve been able to evaluate success by learning important lessons. I stay grounded by realizing I’ve only been trading for a few months and to not get wrapped up in the fact I’m not wildly successful; yet. This takes time.
TLDR: Stay grounded my friends. What have you learned recently that you want to share? | 0.71 | t3_tc5l22 | 1,647,049,344 |
investing | Tax penalties for Roth IRA | Hi everyone, so to break it down, I contributed the max amount for a Roth IRA. Currently, it’s not being invested, just sitting in a brokerage ready to invest. Reasons being is the market is unstable and the war doesn’t help. I just filed my taxes and it popped up that I made too much this year to qualify and could be subject to penalties. Mind you, I don’t normally make this amount and I won’t make above the max income for the next few years as I’m leaving my job to travel. Am I subject to penalties under these circumstances or am I ok? If this is the wrong sub I apologize. I figured the investment community would be more knowledgeable in this situation.
Tl:dr; I made too much and didn’t find out until after I’d already contributed to a Roth IRA, however, the money is just sitting, it’s not currently being invested. | 0.47 | t3_tc171w | 1,647,035,776 |
investing | Difference between GAAP vs. Non-GAAP | I'd like to get a better understanding of this due to what happened with Amazon's last earnings. This is my basic understanding and questions I have, please correct or add anything that may be useful. Thank you.
- When analysts estimate EPS for a company, it's non-GAAP
- Non-GAAP allows a company to adjust things that may make them seem better
- AMZN's last GAAP EPS was ridiculous due to their RIVN investment, they were still able to beat estimated EPS without factoring that in, but obviously not by that amount.
- How will AMZN's EPS be reported for their next earnings since RIVN has taken a hit, GAAP EPS will look horrible while Non-GAAP should look fine, right? | 0.67 | t3_tbvevi | 1,647,020,416 |
investing | IRA and None IRA tax question | Earlier last year I took some big losses on my investment none IRA account. To replenish the loss I moved 67k from IRA account to none IRA.
My assumption was that I can offset the 35%
Tax of the 67k with loses from my none IRA account.
This is the first time I ever did this.
My tax person informed me that I will not be able to deduct the loses of none IRA against the 35% tax.
How accurate is that?
Thanks | 0.71 | t3_tbuh3s | 1,647,017,856 |
investing | What are some good questions to ask my portfolio manager during our review? | I have a review of my portfolio today and wanted to get an idea of some good questions to ask to ensure they are managing it properly. I also want to get their sense of the market and how they have my portfolio positioned to mitigate any risks that are ongoing and may be coming. I sometimes wonder if they are bullshitting me and would love a couple questions that could potentially put them on their heels and make them realize to take these meetings and my portfolio management more seriously. | 0.91 | t3_tbs8xe | 1,647,011,584 |
investing | Fidelity web/desktop apps suck and cost me money - alternatives? | I want to continue to use Fidelity as my broker, but their software sucks.
I want software way easier and faster to use, but still keep Fidelity as my broker. I end up missing short term lucrative trades due to their clunky software.
Is there a platform I can that has a great app (mobile and/or desktop) that supports margin vs. cash trading, selling specific lots, etc. in a super easy/fast UI? | 0.23 | t3_tbs0it | 1,647,010,944 |
investing | Won't western companies have to write down Russian assets ? What about their lenders/banks ? | All these companies walking away from huge $ of assets from McDonald's to Volkswagen and Putin seizing them... won't they have to write down their value ? 850 locations avg book value (say) $500K = $400+M ? (and 130 Starbucks and a giant Volkswagen factory and ...)
what about their lenders ? what banks have big exposures ?
disclosure: I'm short Deutsche Bank (DB) because they're so screwed they *can't* divest, claiming it's "[not practical](https://www.google.com/search?q=deutsche+bank+russia)." | 0.89 | t3_tbrqac | 1,647,010,176 |
investing | Is Cap gains tax, FIFO, or cost based? | Cap gains has always confused me when it comes to stocks. Lets say I’ve been buying shares of Stock ABC.
I’m gonna use small numbers cause I’m hung over.
When I originally bought ABC I bought 100 shares at 10$.
6 months later ABCis trading at 5$ so I buy 200 shares. Because I believe in this company. It’s gonna turn the corner. This brings the average to $ 6.67
6 more months pass and let’s say my car needs some work and I need some cash. ABC is trading at 9$.
Brokers trade in tax lots correct? So if I only sold 100 shares there would be no cap gains because it would sell the first lot I bought first. Meaning I took a loss of 1$ per share? And if I sold 150 shares @ 9$ the first 100 wouldn’t be taxed. But the 50 would be taxed at a gain of 4$ per share? | 0.8 | t3_tbq2fw | 1,647,005,056 |