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    Tuesday, December 5, 2017

    It's moronic Monday, your chance to ask any of those lingering questions without fear of harassment. Investing

    It's moronic Monday, your chance to ask any of those lingering questions without fear of harassment. Investing


    It's moronic Monday, your chance to ask any of those lingering questions without fear of harassment.

    Posted: 04 Dec 2017 04:05 AM PST

    We encourage all our visitors to ask those investing related questions they were always too afraid to ask.

    The members of /r/investing are here to answer and educate!

    NOTE If your question is "I have $10,000, what do I do?" or anything similar. There is no single answer to this question, but we will also need A LOT MORE information if we are to give some sort of answer

    • How old are you?
    • Are you employed/making income? How much?
    • What are your objectives with this money? (buy a house? Retirement savings?)
    • 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? House paid off? Cars? Expensive girlfriend? (not really an asset)
    • What is your time horizon? Do you need this money next month? Next 20yrs?
    • Any big debts?
    • Any other relevant financial information will be useful to give you a proper answer.

    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!

    submitted by /u/AutoModerator
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    SEC wins emergency freeze on Fraudulent ICO, calls it a security.

    Posted: 04 Dec 2017 11:54 AM PST

    Looks like the SEC is making moves here to not only clamp down on ICO fraud but potentially regulate the entire space. Them moving to call this a security is pretty huge. They also referred to the DAO mess over the summer as a securities offering but declined pressing charges at the time.

    https://www.bloomberg.com/news/articles/2017-12-04/sec-halts-ico-that-promised-investors-13-fold-profit-in-a-month

    submitted by /u/MasterCookSwag
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    vanguard 2018 outlook

    Posted: 04 Dec 2017 07:04 PM PST

    What's it like investing in an economic downturn?

    Posted: 04 Dec 2017 08:49 AM PST

    This question is a bit more anecdotal/philosophical than advice-seeking, but as a number of people that post here are often new to investing, I thought it was worth asking some of you that have been around the block for your insight.

    Since I have only been attentive to this world of financial literacy for the last few years, I have largely experienced nothing but this most recent period of prosperity. As capitalism involves both boom and bust, it is an acknowledged risk that there will, at some time in our lives, be a pullback in the economy (knock on desk).

    For those that lived through that in the past, what is it like? What is important to remember? What were your experiences worth sharing?

    Edit: Thank you to everyone who responded. I've been sitting on this post for a while.

    submitted by /u/hsl1290
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    ELI5: How will futures and forwards affect an assets?

    Posted: 05 Dec 2017 02:33 AM PST

    Giving the option to trade futures for an asset, what would you assume will happen.

    How the option of futures affect stock prices in general?

    submitted by /u/Nlz90
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    Target Date Retirement v. Custom Portfolio

    Posted: 05 Dec 2017 12:46 AM PST

    After investing in a Traditional IRA and a Roth IRA with Raymond James for the past four years, I have pulled the trigger on moving those funds to Vanguard. I previously was invested in a Target Date Retirement Fund that was providing returns of 15-20% annually. From my perspective that was a big win, but after further review I realized I was being charge 1% for a management fee and another 1.3% for the funds expense ratio. Now as the funds are currently being transferred, I need to consider which route I should go for future investments. As appealing as Target Date Retirement Funds are, I would like to prolong my relatively high risk exposer for the next 10-15 years before I move towards lower risk investments. To do this, would it be better to build my own portfolio through Vanguard? Would choosing a Target Date Retirement Fund that is projected to mature 10 years after my ideal retirement date expose me to higher risk investments longer? I am 22 years old and if it would help to know how much I have invested/on-hand just let me know!

    submitted by /u/rcarter95
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    Buying/renting a safe?

    Posted: 05 Dec 2017 02:34 AM PST

    If you had silver bars and cash for a total of 10k. Would you store it at home in a safe or rent one in a vault in a major city near you?

    I want to build an emergency fund outside of the bank but I'm having trouble deciding what route to go.

    submitted by /u/hypoglecemic_egg
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    Short CVS? If their merger with Aetna goes through, I don't think they'll find enough synergies to adequately service their debt

    Posted: 04 Dec 2017 02:20 PM PST

    Especially come Amazon and other services.. I mean have you ever walked into a CVS and seen their tech? Soo outdated

    submitted by /u/wubalubdub
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    What are some previous accounting scandals that the general investing population may not be aware of?

    Posted: 04 Dec 2017 09:31 PM PST

    If Net Neutrality is gone is it time to start buying telecom providers, big internet, and media? Long $VZ?

    Posted: 04 Dec 2017 09:52 AM PST

    Any dividend growth investor here?

    Posted: 04 Dec 2017 04:55 PM PST

    How is your portfolio doing year to date compare to SPY?

    Mine is only up ~11% including dividends. I know the goal is to focus on the dividend but man it's hard not to compare. I've been doing dividend growth investing for a few years and significantly lagging behind the market every single years so now I'm wondering if index investing makes better sense for me.

    submitted by /u/spicydude
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    Thoughts on WMT

    Posted: 04 Dec 2017 04:33 PM PST

    Thoughts on WMT as a beginner investor looking for growth for at least 3-5 years.

    submitted by /u/King3391
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    Best time to invest in Index Funds?

    Posted: 04 Dec 2017 11:27 PM PST

    So I read a investing book a while back before I was in a position to invest. However now I've been procrastinating investing in funds. I am going to do it soon and I wanted to know if there are best times to buy.

    When I read the book, I remember something about certain times of year when funds sell/trade which hits you more in taxes or something like that. I cannot remember exactly what the issue was, I just remember reading something similar to that.

    Does anyone know what I am talking about? Are there times of the year where it is less efficient to buy funds?

    submitted by /u/Colmonkey
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    Tech Sector Hit - Why?

    Posted: 04 Dec 2017 08:23 AM PST

    Why has the Tech Sector Funds been getting slaughtered the last few days? Think it's worth rotating to other sectors or just stay the course as they will rebound?

    submitted by /u/theflyersrule
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    Reuters: Hidden peril awaits China's banks as property binge fuels mortgage fraud frenzy

    Posted: 05 Dec 2017 04:19 AM PST

    https://www.reuters.com/article/us-china-risk-mortgages-specialreport/special-report-hidden-peril-awaits-chinas-banks-as-property-binge-fuels-mortgage-fraud-frenzy-idUSKBN1DY1AS

    Great Reuters article about some very concerning aspects of the Chinese property market boom. Gov't has a lot of ammunition they can fire (property taxes, sale limitations, supply of land, etc.) and prices are slowing down somewhat in the back half of this year but the dizzying amount of mortgage fraud is a huge hidden risk on Chinese banks' balance sheets.

    submitted by /u/gaboonzoom
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    Daily advice thread. All questions about your personal situation should be asked here

    Posted: 05 Dec 2017 04:05 AM PST

    If your question is "I have $10,000, what do I do?" or anything similar. There is no single answer to this question, but we will also need A LOT MORE information if we are to give some sort of answer

    • How old are you?
    • Are you employed/making income? How much?
    • What are your objectives with this money? (buy a house? Retirement savings?)
    • 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? House paid off? Cars? Expensive girlfriend? (not really an asset)
    • What is your time horizon? Do you need this money next month? Next 20yrs?
    • Any big debts?
    • Any other relevant financial information will be useful to give you a proper answer.

    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!

    submitted by /u/AutoModerator
    [link] [comments]

    Reddit is a bad platform for investing ideas

    Posted: 05 Dec 2017 03:35 AM PST

    Reddit is dominated by popular opinion, while in theory in order to beat the market you need to realize where popular opinion is wrong. There is no barrier to entry in this subreddit, and any filthy casual can share their opinion. Therefore, most suggestions here that would be profitable are likely unpopular and might be downvoted.

    submitted by /u/Adhumor
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    First time buying stocks, am I paying too much in fees?

    Posted: 05 Dec 2017 02:14 AM PST

    Hello,

    I am not from US but I would like to invest in US stocks.

    I have opened up a demo account from some firm in my country. And realized it costs me 25 dollars minimum to buy stocks also that much to sell it. For example: cost is 25 dollars up to 50 apple shares. But I do not want to buy 50, I want o buy around 10 or fewer which makes the cost percentage very high for me.

    Also selling has the same cost which makes things worse.

    So is this normal? Or are there ways to pay a flat ratio of the amount I invest in, instead of fixed ratio of stocks?

    submitted by /u/radressss
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    I've been wondering about that meme about 1929 and just found out it's the Great Depression

    Posted: 05 Dec 2017 02:07 AM PST

    Are we living in the equivalent of roaring 20's? What's the difference this time around?

    https://www.history.com/topics/great-depression

    submitted by /u/reddit1977
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    What do you guys think of fully secured P2P business loans?

    Posted: 05 Dec 2017 01:02 AM PST

    There is a company here in the UK called Assetz Capital. It is a P2P company offering fully secured loans to UK SMEs. I'd like to hear you opinions.

    All loans originated by AC are secured by assets valued between 150%-200% of the value of the loan. Those assets are primarily physical property, but in some cases physical property is mixed with debentures or other securities.

    The highest interest investment account returns 7%. If you want your investment to be exclusively secured by physical property, you can take a cut on that rate to 5.5%. There is a thriving secondary market if you want to exit any of your investments early. There are also 30-day and instant access accounts with correspondingly lower rates. You can get a much higher return by manually selecting which companies you want to loan to, but I am not really interested i doing that.

    The businesses they lend to are typically strong UK SMEs with a good credit rating. Assetz Capital has a network of UK agents who do site visits to assess the business and the offered security.

    Assetz Capital itself is a startup, but according to a recent private fundraising round they did they are making a good profit. Year to date, they have originated nearly 200m in loans.

    What do you think? Good fixed-income diversification or P2P time bomb waiting to explode?

    submitted by /u/AlexanderSupersloth
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    Is investing 1/3 of market cap in cap ex reckless?

    Posted: 04 Dec 2017 06:52 PM PST

    Life point health is down around 50 percent from their all time highs and they are spending roughly 1/3 of their market cap on new hospitals/renovations, imho this seems reckless. What are your thoughts? Why would a company spend outrageous sums on cap ex when their stock is down 50 percent and they would better serve investors with stock buybacks? Is this just bad management? Incompetence?

    submitted by /u/Bcrane0305
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    If a retailer sold other company gift cards at a loss would it grow comps?

    Posted: 05 Dec 2017 12:41 AM PST

    For example: they carry 500 diff company gift cards and offer them for a loss or break even point. For example: 15 percent off. Not sure what their commissions would be on that card. Would that revenue be included in comps? For example: revenue of that card sold? Why don't retailers do odd things like that to grow comps since that's the first thing Wall Street ever talks about?

    submitted by /u/Bcrane0305
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    New to investing, considering $RGC

    Posted: 05 Dec 2017 12:32 AM PST

    Started investing two weeks ago - portfolio down 9%. Review my stocks?

    Posted: 04 Dec 2017 07:53 AM PST

    Damn did I pick a bad time to get into the game? Ive done business development for a variety of startups in Silicon Valley so I know the landscape pretty well and can make a damn good case for all my investments (hence why it's so tech-centric), but they've been getting plummeted day after day since I started so I'm starting to feel some trepidation.

    Split evenly between: FB ADBE V MSFT BABA NVDA

    And about 5% in BOTZ

    Thoughts? I'm literally hemorrhaging money

    EDIT: 10% now. I wanna die

    submitted by /u/2swole420
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    What are your best short ideas right now?

    Posted: 04 Dec 2017 06:13 PM PST

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