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    Saturday, March 10, 2018

    Former WallStreetBets mod possibly taking a 15 year hiatus from posting vaguely informative youtube videos on investing Investing

    Former WallStreetBets mod possibly taking a 15 year hiatus from posting vaguely informative youtube videos on investing Investing


    Former WallStreetBets mod possibly taking a 15 year hiatus from posting vaguely informative youtube videos on investing

    Posted: 09 Mar 2018 09:51 AM PST

    People Who Had Portfolios Through 2008: What was it like?

    Posted: 09 Mar 2018 05:36 PM PST

    Market tanked, lots of red. What did you do? Lessons learned? Especially interested in people that held through or bought the mega dip.

    Wish I would've put a bunch in right after the crash but I was in college.

    submitted by /u/Eddie_Quesadilla
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    A thank you

    Posted: 09 Mar 2018 09:41 PM PST

    Over four months ago, someone posted a thread about viable future investments, and asked what others would do with 15k. One user responded that he recommended 5k in each of the following: $CRSP, $EDIT, and $NTLA. These three companies controlled majority market share for gene editing, and he argued that while one or two may fail, the pay off from the third would be worth it.

    I did my own research and invested at least a month after his post. In the last three months, CRSP is up 198%, EDIT 76%, and NTLA 63%. While the stocks are volatile, I believe in their future.

    Thank you to whoever you are. You made a great call that started my research into these companies.

    submitted by /u/eodyourewrong
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    You are Martin Shkreli. You're going to jail for 7 years. What do you do with your portfolio?

    Posted: 09 Mar 2018 12:06 PM PST

    Would you park it all in boring index funds? Cash out and expect a market downturn? Make it rain on some YOLO weed stocks?

    submitted by /u/originalusername__
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    For all of the people who didn't panic sell in February...

    Posted: 09 Mar 2018 05:27 PM PST

    We salute you. Thanks for holding. Your patience has now paid off.

    submitted by /u/Mite-o-Dan
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    BLS Jobs Report is In: 313k jobs created

    Posted: 09 Mar 2018 05:44 AM PST

    The summary:

    313k Jobs Added

    4.1% Unemployment Rate, unchanged

    63.0% Participation Rate, up 0.3%

    2.6% Wage Growth

    Some solid numbers in construction and manufacturing.

    Overall, another solid report, wages could be be better but still above inflation.

    Edit: Here is the BLS Report

    Edit 2: To add January and February revised collectively up 54,000.

    submitted by /u/fzats12345
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    Tesla's chief accounting officer, Eric Branderiz, has left the company.

    Posted: 09 Mar 2018 09:44 AM PST

    https://www.cnbc.com/2018/03/08/tesla-says-chief-accounting-officer-branderiz-left-for-personal-reasons.html

    Will this have any impact on the stock since they're already behind on the Model 3 deliveries? Your thought?

    submitted by /u/onizuka11
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    Daily advice thread. All questions about your personal situation should be asked here

    Posted: 10 Mar 2018 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
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    What do you make of P/E as an investing metric?

    Posted: 09 Mar 2018 06:45 AM PST

    It looks like you can use P/E values of stocks to filter out bad investments (stick to values between 10-50), but that seems too easy. Am I missing something? There's a longer discussion of it here: https://money.stackexchange.com/questions/91749/at-which-p-e-ratio-can-a-stock-be-considered-overvalued

    submitted by /u/henrycrutcher
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    Effects of Toys R US bankruptcy

    Posted: 09 Mar 2018 08:23 AM PST

    https://www.cnbc.com/2018/03/09/10-percent-15-percent-of-all-toy-sales-could-be-lost-forever-if-toys-r-us-liquidates.html?__source=yahoo%7Cfinance%7Cheadline%7Cstory%7C&par=yahoo&yptr=yahoo

    HAS is down almost 4% on news that Toys R US is closer to liquidation. This isn't really new and have been pretty much known since last Oct. There is a report out from Jefferies that says that 10-15% of all toys sells will be "lost forever" if Toys R Us does go under. I just don't understand this reasoning. People aren't going to turn to their kids and say sorry Im not buying that new My Little Pony because our local Toys R Us closed its doors. They will buy it somewhere else. While Toys R Us is tied for HAS second largest retailer it does only account for 14% of sales. I am very overweight HAS right now or I would be averaging down. Could someone tell me if maybe I am missing something here. Does everyone really think that if Toys R Us does go down we will see a 10-15% reduction in toy sells forever?

    submitted by /u/rac31x
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    When people add positions during pull-backs, where is that money coming from?

    Posted: 09 Mar 2018 10:20 PM PST

    I don't have a pile of 50k cash sitting in my brokerage account.

    When people say to buy the dips, is it because they're sitting in a ton of cash? If so, why wouldn't they have invested that a long time ago?

    submitted by /u/secondnameIA
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    Best Bond ETFs?

    Posted: 09 Mar 2018 11:34 AM PST

    I'm trying to allocate roughly 40k of my portfolio to bond etfs and I'm a little bit overwhelmed with which bond etfs to purchase. I plan to hold long term 30+ years and I mainly want the bonds as a hedge against a recession.

    Looking at all the various bond etfs and comparing their performance during the 2008 financial crisis, it seems only TLT (long term treasury) performed well. Whereas etfs like long term corp bond, short term corp, junk, tips all performed poorly or there was no data.

    Should I allocate all to TLT- or should I diversify allocate to different bond funds? If i should diversify, should I do: 10k TLT 10k junk 10k short term corp 10k tips?

    I'd just like to know what is the best bond allocation for a long term, low risk averse investor. (I play poker so I don't mind risk, and remaining 80% of pf is allocated to equity. I'd just like the best bond allocation for a slight hedge since my portfolio is quite large.)

    submitted by /u/HappyLuckBox
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    Schiller PE index is at its 2nd highest ever

    Posted: 10 Mar 2018 12:40 AM PST

    The highest was the Dotcom Bubble and the third highest was the Great Depression. http://www.multpl.com/shiller-pe/

    submitted by /u/LonzoBust2
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    Rising government debt - how does it play out?

    Posted: 09 Mar 2018 06:36 PM PST

    Rising government debt - how does it play out?a few seconds ago | Post #3916533 I am concerned about the rising US government debt and wondering how it may play out. Mostly I am wondering how to protect my portfolio value going forward. I can't see a good path forward, particularly if interest rates rise significantly. For example what happens if rates rise 2 or 3% from where they are now? How does the US service the projected next year deficit of 1.2 trillion with another 400 to 600 billion in interest on top of that? Long term, it just doesn't seem like a sustainable situation.

    I can think of 3 possible scenarios if the US debt becomes unmanageable and welcome thoughts about any other scenarios.

    1. US prints money to finance the debt leading to inflation.

    2. VAT of ~5-8% seems the only way to come up with kind of money to pay the interest if rates rise.

    3. Some type of run on the dollar/debt leading to a crisis.

    I have overweighted my portfolio compared to most in assets that that are denominated in foreign currencies (international/emerging market stock and bond funds) and a gold etf and miners fund to try to have a diversified portfolio. I am wondering if there are other asset classes or stratagies worth looking at if any of the above scenarios play out. Thank you.

    submitted by /u/adamsdp
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    Which of this list do you like?

    Posted: 10 Mar 2018 12:15 AM PST

    AOS, BAM, BDX, BR, LMT, NOC, MO, STZ, TMO, V, ABBV, ANET, CGNX, ILMN, JD, MELI, MZOR, NVDA

    My top ones are:

    1. JD

    2. MELI

    3. ANET

    4. CGNX

    5. AOS

    6. NOC

    7. STZ

    8. BAM

    submitted by /u/WeeWillieWinkieHODLr
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    Drive Shack $DS - Asymmetric risk reward situation with this TopGolf competitor (crosspost /r/SecurityAnalysis)

    Posted: 09 Mar 2018 06:50 PM PST

    Intel considers deals that could include bid for Broadcom

    Posted: 09 Mar 2018 02:29 PM PST

    What would you do in my situation? Pay off home or not?

    Posted: 09 Mar 2018 09:14 PM PST

    Right now I have about 70k dollars. I owe 80k on my Mortgage. 50k is in my Merrill Lynch account, with 20k in checking and I have a credit card through BOA as well.

    I only have about 15k invested in stocks and 10k in stock derived ETFs. I also have 15k invested in ETFs that track short term maturity bonds, ones with almost no volatility like 13k in MINT and 2k in SCHZ. 10k I have in cash for when I see investment opportunities but Im thinking about throwing more of that into MINT cause why not. It only makes me like $20 a month, just slightly more than a savings account does. The only reason I use MINT and not a savings is I can get like 30 free trades a month by having over $50k with BOA(who owns Merrill lynch) so getting free trades is far better than putting it all in savings, like through Ally savings or the likes. It also increases the rewards on my credit card by quite a bit so im getting another $20-30 a month on just over $1k of spending. (CC is paid off every month obviously)

    Im curious if the sub thinks im taking unnecessary risks by even investing at all? I feel like investing in stocks helped get me to where I am at right now, so pulling out 100% would be quite boring. Ive already halved some of my investments and liquidated a few others to switch over to ETFs and try to minimize risk. Today I made about $350 only on a very strong day for example while having it all in SPY would have made me $870. Much less volatile.

    Right now my goal is to make it to 82k total then completely liquidate and transfer it all to checking, get a payoff quote, and then pay off my mortgage.

    Since I will be quite poor. I will quickly build an emergency fund and make sure I have enough to pay my property taxes, dividends, and capital gains next tax season(I claim 0 which will help). Finally next year I start up again with my new investment strategy, long term dollar cost averaging. I will probably have to switch to robinhood as well because I will lose my free trades otherwise.

    What the market does will affect how long it takes for me to have enough to pay off my mortgage. It could be as soon as next month if we rocketship past our previous highs(I get a $3k bonus in April) or it could take till the end of the year if things get really ugly. If I liquidate now I wont have enough till possibly October.

    TLDR: Are my current goals of saving up to pay off my mortgage with a split of stocks and bond etfs good, or should I sell my stocks now and put $60k in MINT which will only get me $100 a month almost risk free(same as savings pretty much)?

    submitted by /u/Encouragedissent
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    Your chance to win gold (and bragging rights)

    Posted: 09 Mar 2018 09:01 PM PST

    It's Friday and I think we should do something fun. What can be more fun that fuel our market fears? That's right, bear market predictions!

    The rules are simple. Leave a comment with your prediction of the cause of the next bear market (recession, market crash, bad stuff). I will give you gold if whatever you predicted turns out to be the closest to the actual cause.

    Bear market here is defined as a drop of more than 35% in SP500 from 52 week high to 52 week low. I am open to suggestions, if you guys think there's a better criteria.

    One, two, three, go!

    submitted by /u/valerikim
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    PFG. What am I missing?

    Posted: 09 Mar 2018 08:55 PM PST

    Principal Financial Group appears, at least at a glance, to be trading at quite the bargain after its recent slide. At 10x earnings you get a company with:

    • Double digit growth over the last several years in earnings, cashflow, and dividends, along with double digit return on equity. It has the sales growth to match - no shady financial engineering here.

    • A dividend that is almost twice that of SPY, is raised quarterly, and is covered three times over.

    • Debt easily covered by current earnings (total long-term debt twice the trailing 12-month earnings).

    Given all that, why the recent nosedive and why the low P/E multiple?

    submitted by /u/thisistheperfectname
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    Perpetuity or Lump Sum?

    Posted: 09 Mar 2018 02:54 PM PST

    Would you take $900,000 taxed at 20% today or $6,300/month in perpetuity taxed at 20%? Let's say that you will live 20 more years.

    submitted by /u/donnie1977
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    Merrill Lynch Guided Investing versus Vanguard Target Date Fund

    Posted: 09 Mar 2018 08:41 PM PST

    Alright so I currently have a guided investing account through Merrill Lynch. It's an IRA with around 18K in it. I'm mostly new to investing and started the IRA as a retirement account with very little knowledge. I'm a BOA account holder, had a large amount in my savings and they offered this hand free system to save for retirement and I figured it was a good idea.

    Fast forward a bit and the account has done ok. It's up around 9% over the period of a year and a half. Was a bit higher before the correction. With that said up until maybe a month ago I was fine with that. However over the last month I have really started to educate myself about investing and how it works along with all the fee's you can run into.

    I was looking through the stocks, bonds, etc the guided investor has picked out for me and found several Vanguard funds for things like the S&P 500. These general ETF style stocks have their own small fee's on top of the fee for the Guided investing service which I believe is like .45%.

    Now I am by no means well informed but I'm learning more everyday and at this point I don't know if my money is really where it can do me the most good. On one hand I get a service that self manages with little to no effort on my part. Which is good! However if that service has say maybe 30% of my money in Vanguard funds... would it be better to transfer over to Vanguard it's self and just roll everything into a target date fund? Isn't that basically what I'm already getting but without a good chunk of the extra fee's?

    I DO get amazing customer service from ML. They have been very helpful day or night when I called about anything and it's easy to transfer funds back and forth from my bank but in 30 years when I retire will that matter? My BIG question is if and when the market takes a downturn and then does so again in 8-10 years repeating until I retire as people say it will... will a guided investor make an impact on how much I lose or gain post drop? Or would be be basically the same as a target date fund? Are target date funds managed by a set person or just a robot?

    I'm pretty torn here and could use some advice from my seasoned investors.

    submitted by /u/Hardway79
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    Canada - platform/brokerage with lowest commission fees?

    Posted: 09 Mar 2018 08:30 PM PST

    I have a TFSA with BMO, $9.99 for each trade. I have 18K in that account and I want to leave as is, but in the future I would like to do more swing/week trading. Obviously trading with $9.99 commission fee's isn't ideal. Any suggestions?

    submitted by /u/ItsVerny
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    20 year old trying to invest in an IRA (leaning toward roth) What do I put in it and how much?

    Posted: 09 Mar 2018 08:30 PM PST

    Title says it all. Should I put some cash, some mutual funds, some bonds, etc?

    submitted by /u/Aqssw123
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