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    Tuesday, January 2, 2018

    what is the most some of you are putting in emerging markets? Investing

    what is the most some of you are putting in emerging markets? Investing


    what is the most some of you are putting in emerging markets?

    Posted: 01 Jan 2018 08:57 AM PST

    2018 marketwatch game is up

    Posted: 01 Jan 2018 04:35 PM PST

    Hesitant to invest in $AAPL

    Posted: 01 Jan 2018 12:21 PM PST

    Looking at AAPLs fundamentals and the pile of cash they are about to be sitting on due to the tax bill makes me think AAPL might be a good investment moving forward. The valuation is also excellent relative to other popular companies. Here's why I don't want to put my money in just yet.

    The biggest risk I see is that 70% of Apple's revenue comes from iPhone sales. I think iPhones are great, in fact I'm typing this on my iPhone right now. The iPhone X is too expensive and there has been bad publicity surrounding iPhone batteries lately which could eat into their sales numbers. Selling at over $1000 is a deal breaker for me and I would strongly consider taking my business to Samsung if it was time for a new phone. I can only imagine other consumers must feel the same way.

    Additionally, part of the reason the company is so profitable is because the profit margins on iPhones are huge at about 60%. Apple is clearly a master of marketing and maintaining a strong customer base. I worry that the next time there's an economic downturn, no one is going to be able to afford these luxury products and Apple will have to drastically lower its profit margins in order to stay competitive. Additionally, there may be new, cheap smartphones which may not be as powerful as an iPhone, but gets the job done. I'm thinking like how an amazon fire 7 for $50 is expected to compete with the Apple iPad for $300+.

    Lastly and least importantly, looking at the max history of the AAPL stock price charts shows that the company tends to fall out of favor for long periods of time every few years. I don't know much about technical analysis, but based on recent news it seems like the company could be at a turning point once again.

    I really do want to invest in this company based on the amount of cash they'll be sitting on for reinvestment, the amount of cash that continues pouring in, and the strength of the brand name, but for these reasons I feel like I shouldn't.

    submitted by /u/InvestingLifeSavings
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    Best iPhone app to tracks investments?

    Posted: 01 Jan 2018 08:01 PM PST

    I'm looking for something like the Crypto apps you find these days to track your portfolio. I want to be able to manually input each transaction (bought X shares of Y at Z price)and then be able to see how I'm doing overall. Any suggestions?

    Thanks!

    submitted by /u/gingergringo_
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    Are ETFs really that awesome?

    Posted: 01 Jan 2018 06:01 PM PST

    The most common and popular investing advice I see is "just buy an index fund." That probably works for a lot of people who want to save for retirement and just forget about it. The whole idea of an ETF doesn't make sense to me, and is kind of boring. Here's why I think that:

    If you're buying something like SPY, you're paying State Street Corp to buy a bunch of stocks of the "strongest companies." Please correct me if I'm wrong, but it is my understanding that the index automatically allocates capital to all of the s&p 500, in proportion to market caps. So theoretically, companies that are overvalued are being allocated more capital than companies that are not.

    This whole system offers an explanation to how overvalued companies can just continue to become more overvalued while I sit here in confusion. I also wonder what will happen when everyone saving for retirement in these ETFs wants out at the same time. Savers better hope the market doesn't collapse near retirement or take adequate measures to prevent significant loss.

    To me, buying an etf takes all the fun out of investing. It's challenging scrounging data and figuring out what companies are strong and here to stay and grow. I can see the appeal of an ETF though, being risk averse or not interested in stock picking, or just not having time for that. It is not without its downsides though.

    submitted by /u/InvestingLifeSavings
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    Anyone tried Interactive Brokers' portfolio builder?

    Posted: 01 Jan 2018 05:11 PM PST

    It accesses data such as analyst ratings from different firms, insider ownership, etc. Your strategy can go both long and short based on them. Some sample strategies beat the index. What do you think, is it that easy?

    submitted by /u/reddit-friend-2
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    Options question

    Posted: 01 Jan 2018 09:13 AM PST

    Sorry, can't seem to find the answer to this...

    If I buy a call option for $1, with a strike price of $100, I need that security to be worth $101 before the option expires to make a profit, right? $1 for the option, $100 to buy the share at it's strike price, then I turn around and sell it for $101 and I'm even. Sorry for the noob question.

    submitted by /u/chekmarks
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    2018 Equity Predictions

    Posted: 02 Jan 2018 03:39 AM PST

    What do you predict to be the best stock and the best sector for 2018?

    submitted by /u/niceassets89
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    Best investing brokers for Europe?

    Posted: 02 Jan 2018 03:33 AM PST

    I would like to open an investing account, and I was wondering what is the best service in your opinion?

    I would like the service to be available on Europe!

    Thanks a lot in advance! 🤗

    submitted by /u/Tnsrig
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    Thoughts on energy in 2018?

    Posted: 01 Jan 2018 11:43 AM PST

    Wanted to hear what your guys thoughts on the entire energy sector and what percent of your portfolio it occupies going into 2018.

    submitted by /u/ajgbaby
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    When is the best time to go into Consumer Staples (Non-cyclical)?

    Posted: 02 Jan 2018 02:43 AM PST

    Though they seem conservative and lower-yield in our current economic environment, Consumer Staple ETFs seem like a nice thing to have in a portfolio. Stable, relatively good in a rough economic climate, and decent dividends. Any compelling arguments for or against this kind of sector ETF?

    submitted by /u/SimCopter_1
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    How to invest every last penny in a Roth?

    Posted: 01 Jan 2018 12:49 PM PST

    My Roth has like $50 that is not invested. How can I invest every last penny in my Roth so it doesn't have money just sitting around?
    I know most mutual funds have minimums to buy into them, like some of the ones I found had minimums of $1,000.

    submitted by /u/Quinquangular
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    How do I invest purely in Bangladesh?

    Posted: 01 Jan 2018 11:35 PM PST

    They have high GDP growth

    submitted by /u/Shortify
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    Investing in emerging markets

    Posted: 01 Jan 2018 01:25 PM PST

    So I am kind of new to investing and wanted to diversify a bit.

    So I wanted to know if there are any good etfs or index fonds for emerging markets (if you know any pls also add which regions they are for).

    Also i am from germany and read that there are some new restrictions? (Mifid2 or sth)

    submitted by /u/youkulolclash
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    Any penalties for lying about citizenship when investing?

    Posted: 02 Jan 2018 01:04 AM PST

    There are some companies I want to invest in, but they are closed to U.S. investors due to SEC problems.

    I would like to use a VPN, and lie about my citizenship in order to invest. Could I get in any trouble over this?

    submitted by /u/Tom1l1
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    Trades to capitalize on “January Effect”

    Posted: 01 Jan 2018 08:24 PM PST

    There always seem to be a number of good trading ideas to take advantage of following the year-end activity to harvest tax losses, take profits, etc.

    It would be excellent to hear some of this subs ideas to start the 2018 trading year!

    submitted by /u/Alauer16
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    Anybody here in the US hold TD ( TD Bank) in their brokerage account?

    Posted: 01 Jan 2018 08:18 PM PST

    How does your dividends get handled in terms of withholding fees? I use to own $TD but despite the share growth, I hated the fact that 25% of my dividend was withheld and was technically refundable after I filed my taxes. Worse was I had TD in an IRA account holding one time and the brokerage still withheld a percentage of the dividend.

    submitted by /u/hikingwiththehills
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    Brrrrr Strategy help: What about debt to income ratio???

    Posted: 01 Jan 2018 11:01 AM PST

    Hey guys,

    I'm looking to try out the BRRRR (R's variable) investment approach, but something doesn't make sense...

    What about the Debt to Income ratio? Shouldn't this shut the Brrrr down in 2 transactions?

    So lets try Brrrr:

    I buy a house Cash $120k and Hold. Renovate brings it up to $160k. Rent will be variable depending on location. Refinance at 80% $128k cashout, now have a loan but tenant in place. Repeat.


    Now it seems that if I repeat, I'll have 2 loans. Repeat again, 3 loans. How is a bank going to approve me with 3 mortgages? Will the tenant rent income factor enough to lower the DTI? How strong is Airbnb income?

    Thanks for your help, if you have a book or resource I can learn even more from, please send!

    submitted by /u/BichonUnited
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    VWO vs. IEMG

    Posted: 01 Jan 2018 12:59 PM PST

    In the new year, I plan on building a unified portfolio (across my 401k and Roth) to mimic the target-date fund I had been primarily investing in, though with far lower fees. Discussed it at length here, with a bunch of help from /u/rebalance_investor

    Anyways, here's my question: 401k's only international index fund option (FSIVX) is developed-markets only, so I'll be buying a chunk of a separate emerging markets fund to fill in the gap. Had been planning to use VEIEX/VWO. However, in doing a bit more research, I came upon IEMG, which looked incredibly similar. Couldn't figure out the difference until I came upon this Bogleheads thread. In short, Vanguard follows the FTSE Emerging Markets index, iShares follows the MSCI index. (see also)

    The big difference right now appears to be Korea: MSCI treats it as emerging and attributes 15+% of its holdings there, FTSE says it's developed. One of the Bogleheads posters (s/o to "alex_686") suggested matching your emerging-market-fund's index with your developed-market-fund, so at least you have full coverage. FSIVX is MSCI, so should I go with IEMG over VWO, then?

    submitted by /u/throwawayinvestacct
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    Investing for Dividends

    Posted: 01 Jan 2018 06:27 PM PST

    I'm going to open up a TFSA (gains are tax sheltered) soon. I'm a university student, and don't need the money anytime soon. Although I have a higher tolerance to risk, it still somewhat bothers me that I'd be investing at a market high. My main thought would be to probably allocate most of my portfolio into SPY, and maybe a stock or 2 that I really like. But here's my dilemma: if the market declines, SPY will obviously decline.

    I know that individual stocks are inherently more risky, especially during a market decline. I was thinking that I could comprise a portfolio of maybe 5-10 solid, blue chip, dividend paying stocks (off the top of my head I'm thinking Apple or J&J). Although I'm looking for appreciation, I'm also taking into consideration that if the market declines, I won't have much appreciation. My logic is that even though the market is in a decline, I'd still be making some money from dividends. Further, the dividend return would be greater than a bond, or high interest savings account. Plus, I'd still own a stock that could appreciate.

    I'd still like to make some money if the market declines, but I'd be planning to hold no matter what (and hold for a long time). So, are my options pretty much the same? Either go all in SPY or split between 5-10 blue chip dividend stocks, in terms of overall return (dividend and appreciation)? I don't mean to sound like that guy, but for now I'd like to assume that a market decline will eventually happen,

    On a side note, I heard someone say that they were heavily taxed (more than usual) on their investments in American stocks (as a Canadian) because of some new tax change? Does that sound familiar at all? I don't keep up with news too much, especially American politics.

    Thank you to everyone who replies

    submitted by /u/Santo_R
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    Best apps to trade stock and index funds if you are from the EU?

    Posted: 01 Jan 2018 06:22 AM PST

    Treasure or trash: can anyone identify this stock certificate?

    Posted: 01 Jan 2018 04:58 PM PST

    Can someone tell me what this is? Or perhaps just how to figure this out?

    I found this in the attic a few days ago.

    My dad, a former attorney, gave this certificate to me more than a decade ago. He's since died and I have no idea what to make of it. I'd filed it away, it landed in the attic, and I dug it out a few days ago by accident.

    No written information is on the back.

    Internet searches have yielded nothing.

    If anyone can tell me where to start, I'd appreciate it. (And Happy New Year!)

    submitted by /u/JonnyRotsLA
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