Senate tax bill may contain a major threat to long term investors Investing |
- Senate tax bill may contain a major threat to long term investors
- NY Fed is estimating Q4 GDP growth at 3.9%
- CVS buys Aetna for $69billion
- How much of a threat is Alibaba to Amazon if it ever decides to expand to the United States?
- I want to know the negative aspects and criticisms of crypto and bitcoin. (I am not getting it in r/bitcoin).
- I'm looking into investing in artificial intelligence. Does anyone have any AI ETFs they would recommend?
- CVS and AET acquisition. Quick Calculations
- Companies with stock certificates for kids
- How do I turn 20k into 1M over 30 years?
- Looking for long term growth at low risk
- Plan to invest some money into S&P Index Trust. Need some other advice.
- The Home Depot
- Any way to see the inflows/outflows of ETFs?
- 11.4k in savings, what do?
- Cryptocurrency enthusiast starterpack
- Does the acquisition of Aetna by CVS give a boost to the CVS stock?
- Beginner: CVS buys Aetna for $69 billion USD. What does this mean for $AET shares?
- Value/quality in emerging markets - what are you watching?
- Any info on Orbital/OA??
- Feedback/suggestions on portfolio
- ETF tax questions: cap gains, dividends, interest, in-kind redemptions???
- What is the new gold?
- What is the definition of shorting a market?
- Is there a confirmed date as to when CVS will purchase Aetna?
| Senate tax bill may contain a major threat to long term investors Posted: 03 Dec 2017 07:13 PM PST I was given a heads up about this by my cousin, who is a private broker and investment consultant, and then got a message straight to my brokerage account. Below is the quoted message from TD Ameritrade/Scottrade. They stay as nonpartisan as possible, given the spectrum of their clientele, so we should all probably take heed when they are taking a stand on a specific piece of legislation: "Dear Valued Client, TD Ameritrade believes it's important to stand on the side of our clients. We have reviewed the Senate Tax Cuts and Jobs Act, which was released last week. Section 13533 of the Senate Bill imposes a single cost basis methodology for investors, "first in, first out" ("FIFO"), on all sales of securities (except mutual funds). For the average investor, this means possibly being required to pay the highest capital gains taxes where a stock has appreciated over time. On behalf of our approximately 11 million client accounts, we strongly oppose this provision. We believe it will harm individual investors by eliminating their freedom to decide when to take losses or gains on their investments, potentially resulting in an increased tax burden. An Example Suppose you hold a significant amount of a company's stock, accumulated over a 20-year career. You're now retired, and you want to sell some company stock to diversify your portfolio. Assume the purchases over time range from $5 per share up to $90 per share, but the stock now is trading at $50. If you sell at $50, rather than being able to take losses on the stock purchased above $50, the Senate Bill could require you to pay capital gains taxes on the appreciation of the stock from $5 to $50. That is, even if you have experienced sizeable paper losses on the purchases above $50, the Senate Bill might force you to pay taxes calculated on the largest gains possible. We don't think that's fair. We feel the Senate should stand up on behalf of individual investors and reject imposing a FIFO cost basis requirement on sales of securities. What Can You Do? If you are concerned about these changes, we encourage you to contact your congressional representatives today and make your voice heard. We have created a site so that individual investors like you can stay informed and easily reach out to your government representatives on issues that matter to you. You'll find a summary of current issues there, along with template letters to help get you started. TD Ameritrade believes in providing our clients with a voice on issues that stand to impact their ability to confidently save, invest, and plan for the future. We are on the frontlines, communicating your interests to those who can influence policy and bring about change. By coming together, we can have a more meaningful impact. Please join the conversation." [link] [comments]  |
| NY Fed is estimating Q4 GDP growth at 3.9% Posted: 03 Dec 2017 06:24 AM PST |
| Posted: 03 Dec 2017 10:28 AM PST |
| How much of a threat is Alibaba to Amazon if it ever decides to expand to the United States? Posted: 03 Dec 2017 05:43 PM PST |
| Posted: 03 Dec 2017 09:33 AM PST |
| Posted: 03 Dec 2017 04:03 PM PST |
| CVS and AET acquisition. Quick Calculations Posted: 03 Dec 2017 09:21 PM PST Hey guys, take a look at some back of the envelope calculations I did for the CVS + AET acquisition. Will have huge rounding errors. CVS - 54 bn in net debt AET - 0 bn in net debt (Awesome for CVS) CVS will buy at 69 bn of which 48 bn will be more debt. Thats 102 billion in net debt for CVS after the acquisition. Assuming similar interest expense on CVS books already, it'll grow from 540 million a year to 1.02 billion a year to service the debt. The total income for AET + CVS is $6.8bn pre aquisition. With a growth of $479 mil in interest expense, CVS will now have $6.3 bn income available to all new and old CVS shareholders. Earnings per share will now be $4.57 assuming new earnings divided by the sum total of CVS plus AET stock. (Since CVS is issuing one share per AET share) Then the approximately 342 million new CVS shares will yield $1.92 per year. Assuming latest dividend that's 660.06 million more in dividends a year. Which means CVS will be paying 2.65 bn a year since I doubt CVS management would dare lower dividends. Thus CVS went from being able to retain and reinvest in their at a rate of 3.04 bn a year to now having to reinvest in both AET and CVS's business at 3.65 bn. To put into perspective. AET + CVS pre acquisition reinvested a grand total of $4.33bn. (This number can be off depending on who you are since I assume stock buyback is "reinvesting") Therefore CVS needs to find 680 million worth of synergies or earnings growth ASAP or else they wouldn't be able to finance their debt and dividends + reinvesting. This is just to maintain the current business that is CVS and AET. Summary. Everything I used is TTM.
Take this with a grain of salt. I did this by just looking on morningstar. Can be much more accurate if I dug deep into their forward looking statements. Critiques are more than welcomed! First time doing an analysis like this and I hope we can all get better together. EDIT: I'm still new into trying to understand CVS and AET's businesses and I really don't think there's that much overlap and thus cost savings/synergies will be scarce. It may have to come from mostly earnings growth. [link] [comments]  |
| Companies with stock certificates for kids Posted: 03 Dec 2017 05:33 PM PST Question - I know Disney used to have a paper stock certificate program where you could buy and provide a real stock certificate as a gift. Does anyone know of any companies that still provide them? [link] [comments]  |
| How do I turn 20k into 1M over 30 years? Posted: 03 Dec 2017 06:22 AM PST Hey Redditers, I've got a young family and my wife and I have middle class incomes so money is pretty tight. But I do have about 20k that's been languishing in an index fund and somehow not growing with this massive stock market explosion over the last few years. This money is separate from my Roth IRA. I'm ok accepting a little more risk with this money and actively investing it; with minimal diversification to maximize its growth potential. What I really want (don't we all) is a chance at exponential growth. What handful of stocks give me the best chance of turning 20k into a million bucks over the next 30 years? I would imagine by definition it would be small-cap stocks in emerging industries. Then again, Halo Top low-fat ice cream stock has gone up 4000 percent over the last three years; not exactly an emerging industry. Thanks! [link] [comments]  |
| Looking for long term growth at low risk Posted: 03 Dec 2017 06:43 PM PST Currently have positions in LUV, KO, NYT, PLNT, TWTR, and BK. I'm trying not to expose myself to too much risk. Would like my portfolio to basically be a savings account with 5-8% interest (is that asking too much lol). Should I diversify more? Are these a good 6? I'm trying to only invest in things that I know and like, not trying to do too much. I personally think Planet Fitness will explode, I expect Twitter to make a strong comeback, and the others I see as lower risk which have seen consistent gains over long periods of time. I'm still inexperienced so any advice would help because I don't want to continually put large portions of my paycheck into something that is facing too much risk. [link] [comments]  |
| Plan to invest some money into S&P Index Trust. Need some other advice. Posted: 03 Dec 2017 09:19 PM PST Hello. I am 18, and getting $10,000 soon, and am planning to invest it. Im looking towards a steady growth and would like some input as to what this subreddit recommends. Would be glad to answer any questions. My current plan is investing in VOO, but I have read about diversifying (not really sure how to do that). So any recommendations as to what to invest in in combination with S&P Index Trust? Thanks. [link] [comments]  |
| Posted: 03 Dec 2017 03:54 PM PST Some backstory, I work at The Home Depot which means I can purchase the stock at 15% off. The stock has been doing very well for a while from what I have seen. I'm also not too knowledgeable when it comes to the stock market. Right now the plan is to set aside 20% of my paycheck(~$82) through their stock purchasing plan. Here is their stock: https://www.marketwatch.com/investing/stock/hd I can live without the money from each paycheck, but I was wondering if it was worth it. I'm here to see if there is any insight I can get from more knowledgeable people. Also interested in a conversation about the HD stock itself. [link] [comments]  |
| Any way to see the inflows/outflows of ETFs? Posted: 03 Dec 2017 06:07 PM PST |
| Posted: 04 Dec 2017 02:46 AM PST Just a post asking what i should do with the money i have saved? I make roughly 31k a year, and have been for years. I live in Pittsburgh, where real estate is projected to only keep going up, but i don't feel secure enough to invest in a mortgage. I also own roughly 1.2 bitcoins, so bitcoin is not something i'm currently interested in investing in (minus a big drop). How would you best invest this money? [link] [comments]  |
| Cryptocurrency enthusiast starterpack Posted: 04 Dec 2017 01:44 AM PST |
| Does the acquisition of Aetna by CVS give a boost to the CVS stock? Posted: 03 Dec 2017 04:08 PM PST |
| Beginner: CVS buys Aetna for $69 billion USD. What does this mean for $AET shares? Posted: 03 Dec 2017 01:47 PM PST Just got in the game and I'm very confused as to what this means. I bought few shares of Aetna or $AET past week considering the CVS news, but I never actually expected this deal to happen so soon. I read that this values Aetna stocks at around $205 per share, so I'm guessing $AET will sky rocket this monday? [link] [comments]  |
| Value/quality in emerging markets - what are you watching? Posted: 03 Dec 2017 11:30 PM PST Alibaba, Tencent, and Naspers get a lot of love around here, but what about names that aren't high-flying growth stocks? I'm currently looking at Jardine Matheson ($JMHLY), but I have not yet formed an opinion on the company strong enough to warrant a buy decision. I wonder what other perennial stalwarts are out there on the other side of the world that I would never ordinarily hear about. [link] [comments]  |
| Posted: 03 Dec 2017 06:56 PM PST ...Hasn't changed price in a month. I know they're looking at being aquired by another company. Not sure if this means I should be selling it or if the stock is no longer trading due to the impending sale? I've never seen a stock not move at all in a month. I've only had OA for 2 months it seems weird to sell it now. [link] [comments]  |
| Feedback/suggestions on portfolio Posted: 03 Dec 2017 10:17 PM PST I have recently got some family estate worth close to $60000. I am 27 and don't probably need this till I am 35 so for next 5 to 10 years. As a beginner I have done sone research in this sub and decided index fund would be my best bet. I am trying to find some model ETF portfolios and trying to pick a good balance to diversify. Since I can take some risks I am thinking of not putting anything in bond. At the moment I have VTI (60%) VCN(20) and IEFA(20%) in mind. Although I am also debating between IVV (S&P 500) and XAW. Any suggestions? I am looking for 10-12% growths over next 5 years so I have a solid base when I go fot buying a house. Am I too aggressive? Should I diversify a bit more to international ( >25)? Are there any model protfolis and what benchmarks should I be looking for? [link] [comments]  |
| ETF tax questions: cap gains, dividends, interest, in-kind redemptions??? Posted: 03 Dec 2017 10:53 AM PST Hello, These questions are regarding stock and bond indexed ETFs. I've done quite a bit of googling, but my confidence of my understanding is still quite low. Thanks for any help! 1) Does one only pay cap gains when selling the ETF shares at a gain, even if the ETF had to re-balance it's holdings? [advantage over index funds] -correct, only when you sell 2) Will the broker send the seller some kind of standard tax info form at tax time, or do you need to track this yourself? -Yes they will send you a 1099 3) Will the broker provide some kind of standard tax info form when paying dividends/bond interest or at tax time indicating which dividends were qualified dividends and which weren't? -Yes they will send you a 1099 5) Will ETF dividends/bond interest be paid out throughout the year, quarterly, or once at the end of the year? Does this vary a lot by ETF? -usually quarterly 6) Is it common for the ETF to re-invest the dividends/bond interest? -depends 7) What the hell are "in-kind redemptions"? Could you ELI5? -getting the underlying stocks in place of the ETF, odd thing though, don't worry about it edit: added answers from the comments [link] [comments]  |
| Posted: 03 Dec 2017 10:06 PM PST After the market crash all you heard was talk of gold as a safe haven. Is gold still the popular choice? [link] [comments]  |
| What is the definition of shorting a market? Posted: 03 Dec 2017 10:03 PM PST |
| Is there a confirmed date as to when CVS will purchase Aetna? Posted: 03 Dec 2017 05:53 PM PST |
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