Should I buy into my company's employee share program? Investing |
- Should I buy into my company's employee share program?
- What red flags immediately disqualify a stock for you?
- The Big Short Question
- Hypothetical Recession Question - 500k
- Which Chinese hype stock do you guys believe is the best? $IQ vs. $HUYA vs. $BILI
- Tracker Fund vs Benchmark
- Can I use stock portfolio as a collateral?
- If I can’t afford the minimum investment of $3000 to get into a index fund, can’t I just buy shares on Robinhood of individual index fund stocks like VOO?
- Student Debt Default
- Custom value stock screener based on IEX API
- Sale number for a specific product
- I don’t understand the concept of cost of equity
- Suggestions of Floating Rate Bond funds
- Thoughts on $TEVA Pharmaceuticals?
- DCA/LSI Buy Intervals?
- Roth
- Anyone here longing IQ?
- $SPY Vs. $SPYD for Medium Term Investment.
- When interest rates increase...
- What percentage of your income do you invest?
- Technology, Defense, & Large Cap Growth
- What are the fairly valued tech companies
| Should I buy into my company's employee share program? Posted: 08 Jun 2018 11:01 PM PDT I received an email from corporate stating that there was an employee buy in program happening, I feel as if its maybe too good to be true but figured Id ask anyways. The company's stock has been relatively stable the last 5 years (+/-15% at most) so I know the odds of me making large gains on the stock itself are questionable. The program is as follows: 20% discount on the share price, I'm allowed to invest maximum 25% of my annual gross salary (~30k), and dividends are paid out as more stock (last couple years the dividend has paid out about 5% of the stock price) but the stock needs to be held until 2023, so a 5 year hold. Even if it didn't increase much in price wouldn't I still be looking at a 20% gain? minus any capital gains taxes? Sorry I'm kind of new at this [link] [comments]  |
| What red flags immediately disqualify a stock for you? Posted: 08 Jun 2018 09:58 AM PDT I understand that investing is a holistic process, and it's hard to give just a handful of metrics that can determine if a stock is a good buy. However, I was wondering if any of you have quantifiable/qualifiable metrics that you use as red flags? In other words, is there any thing you look for that can disqualify a stock immediately, regardless of how well everything else about that company looks? Thanks! [link] [comments]  |
| Posted: 08 Jun 2018 11:33 AM PDT I know this is maybe outdated but I am revisiting the 2008 crisis and the market's tendencies during such a time. When Michael Berry approached the investment banks and asked them to virtually create credit default swaps for hundreds of millions of dollars, how could these banks not be suspicious and dig more before approving? At any given time, there are always investors saying the market will plunge tomorrow, but how many times do people put millions to back their claim up? It's easy to write off the banks as being too "stupid" in hindsight and were blinded by the commissions they made on mortgage-backed securities, but why didn't Berry's swaps raise more of a red flag than they did? [link] [comments]  |
| Hypothetical Recession Question - 500k Posted: 08 Jun 2018 11:16 PM PDT This is a total tinfoil hat scenario, but really interests me as I'm not proficient in the markets. Let's also for a second ignore retirement accounts, as I believe if you can keep them for a while, everything will be fine in those accounts. In some magical universe, you knew a recession was starting within the next six months and currently had 500k in the markets (let's say the three fund Vangaurd portfolio VTSMX, VGTSX, VBMFX). If you wanted to make sure that you were risking as little money as possible (and maybe even making some returns), what would be your go to options? From my thoughts, there are a few options: 1) Keep it in those 3 funds and try to ride it out 2) Sell all your funds and put your money in CDs/Money Markets/High Yield Savings accounts. Also, maybe not try to time the market, but try to pickup property/stocks cheap after the recession. 3) Bury all your money in your backyard 4) Heavily move money into the Bond Market (no clue which ones to focus on) 5) Move your money into stocks that were not affected by the housing crash years ago Any ideas on what you might do? [link] [comments]  |
| Which Chinese hype stock do you guys believe is the best? $IQ vs. $HUYA vs. $BILI Posted: 08 Jun 2018 01:54 PM PDT I personally have shares in $IQ (bought at $24!) and recently sold today. Has done extremely well! [link] [comments]  |
| Posted: 08 Jun 2018 11:48 PM PDT Is an indication of a good tracker fund: Matching it's benchmark or beating its benchmark. Obviously beating its benchmark is better, but we can only base our decisions on the past, so if a fund has deviated from its benchmark would that make you not want to invest? [link] [comments]  |
| Can I use stock portfolio as a collateral? Posted: 08 Jun 2018 07:57 PM PDT I've heard HELOC and wondered if the same can be done with stock portfolio. If it's a bad idea, can you explain why? [link] [comments]  |
| Posted: 08 Jun 2018 06:09 AM PDT Maybe I'm missing something or these two aren't related to each other. I'm still learning so any advice is helpful, thanks for viewing. [link] [comments]  |
| Posted: 08 Jun 2018 09:36 PM PDT While I have found varying information regarding that exact statistics of student debt currently in the US, there appears to be well over a trillion dollars in outstanding loans and student debt. Many sources state this is the second largest debt, behind housing, which is taking graduates around 20 years to pay off. I am interested in how defaults on these federal loans will impact the United States stock market. I linked a recent article which discuss an individual who has nearly a million dollars in debt. This individual only pays the interest rates every month while the debt continues to grow. This individual is an orthodontist, obviously a high paying profession, who has no motivation to pay these loans. Instead only pays the monthly interest rates to please the government. How will defaults on student loans impact the United States markets? How will individuals who use loans to become lower paying professions, not doctors or orthodontist but rather teachers or other professions(is there any hope for lesser payed college graduates to repay these ever growing loans), who default and have no chance of repaying these loans impact the markets. Could a mass default send markets into another 2008 crash. Just curios about this since we are currently in a large bull market and it appears that all of this debt is overlooked. I am rather new to the field and any answers are appreciated. http://www.businessinsider.com/how-you-get-to-1-million-in-student-debt-2017-5 [link] [comments]  |
| Custom value stock screener based on IEX API Posted: 09 Jun 2018 01:00 AM PDT Hi All I know that there is finwiz for screening stocks but maybe the data on IEX might offer more possibilities for filtering. I thought of creating a screener in python for value stocks. Would that be possible with the below data: https://iextrading.com/developer/docs/#financials https://iextrading.com/developer/docs/#key-stats So basically I am looking for a formula I can apply for the above data. In case I get some ideas I will post the list of stocks I find and also the python code for you guys to customize it if you want to. [link] [comments]  |
| Sale number for a specific product Posted: 09 Jun 2018 12:50 AM PDT For a product such as a Nvidia gtx 1080. Is there a way for us, regular people, to find out the sale number on site such as Amazon and Newegg? Thanks. [link] [comments]  |
| I don’t understand the concept of cost of equity Posted: 08 Jun 2018 11:47 PM PDT I know the textbook definition of cost of equity. I know how to calculate via the dividend discount model and CAPM but understanding the concept of cost of equity seems much trickier than understanding the cost of debt. Costs of debt seems easy to understand; you have to pay interest of the debt that you've accumulated but equity…equity is something that the business already has. If I have 100K in my brokerage account and am borrowing 10K on margin then I'm having to pay interest on that 10K which would be my cost of debt. I wouldn't be paying anything on that 100K though…or is cost of equity more of an opportunity cost? But even if that's the case, I don't understand why cost of equity wouldn't always equal the risk free rate. If a stock had a beta of 1 and paid no dividends, its cost of equity would equal the market risk premium (Cost of equity = Risk free rate of return + Beta × (market rate of return – risk free rate of return); how is that an opportunity cost? Also, I have trouble understanding the concept of DCF valuations altogether. I mean, if a stock's average yearly growth rate was greater than the risk free rate, wouldn't the value of a company over a long enough time period technically be infinity? And vice-versa; if a stock's average yearly growth rate was less than the risk free rate, wouldn't the value of a company over a long enough time period technically be zero? This is something that I've been having trouble understanding for a while now. Any help would be really appreciated. Thanks. [link] [comments]  |
| Suggestions of Floating Rate Bond funds Posted: 08 Jun 2018 12:26 PM PDT I recently sold a piece of land so I have some excess cash sitting around. I am trying to decide whether to use this money to pay off my current mortgage or to invest this money. The most important thing is that if I invest, I want it to be as risk free as possible. My current mortgage is at a low rate of 3.75%, so theoretically if I could (almost) guarantee making more than this, I would go that route obviously. I only want to invest in fixed income that would yield higher than 3.75% after tax. What are some options for me to do this, and more importantly, should I be investing in some funds that have floating rates so that I can protect myself from rising interest rates? [link] [comments]  |
| Thoughts on $TEVA Pharmaceuticals? Posted: 08 Jun 2018 12:19 PM PDT Recently saw that some shares of $TEVA were purchased by Berkshire Hathaway. Any opinions on possible price movement for the near future, mid range, or long time frames? [link] [comments]  |
| Posted: 08 Jun 2018 08:47 PM PDT Relatively new to investing but I've been doing a good amount of research on DCA v LSI. Given my age of 28 and relative level-headedness I feel comfortable with the LSI over DCA given the increase in expected return. However, most studies on LSI seem to imply the individual will have enough funds to invest at once to cover their entire retirement strategy. That's not the case for me. My hang up is, if the intervals are long enough, is it actually LSI or is it still just DCA? My strategy is to invest a full years worth of capital at the beginning of the year, then spend that year saving enough cash to make another full year purchase 12 months later, so on and so on. Is this still DCA or is this closer to LSI? [link] [comments]  |
| Posted: 08 Jun 2018 04:09 PM PDT Is it suitable to use a Roth IRA for casual trading? I always take money out, never gaining any real value in my account. [link] [comments]  |
| Posted: 08 Jun 2018 11:08 AM PDT I bought in at all 26 and sold at 30. Now I'm back in at 32 and I think I'm in it for good now. [link] [comments]  |
| $SPY Vs. $SPYD for Medium Term Investment. Posted: 08 Jun 2018 06:11 PM PDT Let's say I plan to invest for a 5-8 year horizon, meaning I am ok with more than 0 risk, but don't want the highest risk/return. Does $SPYD's lower return mean it has inherently less risk? If not why would anyone choose to invest in it over $SPY? [link] [comments]  |
| When interest rates increase... Posted: 08 Jun 2018 05:24 PM PDT ... what are the things seen as bad or good investments? Does it become a seller's market, buyer's or neither? Does it make sense to start considering selling properties that one wants to get rid of now rather than later? Do things change to favor stock market, bonds or treasuries? What else? [link] [comments]  |
| What percentage of your income do you invest? Posted: 08 Jun 2018 10:34 AM PDT How much of your income do you invest? Of this what is the breakdown between IRA's, ETF's, stocks, bonds, etc. [link] [comments]  |
| Technology, Defense, & Large Cap Growth Posted: 08 Jun 2018 03:43 PM PDT Why not maximizing portfolio to be heavy on funds with these & just watch what happens? [link] [comments]  |
| What are the fairly valued tech companies Posted: 08 Jun 2018 08:41 AM PDT The discussion of tech bubble here get me worried about the market situation now. But I don't want to go all cash either. What are some tech companies that are fairly valued to invest if I want to go to a defensive investing strategy [link] [comments]  |
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