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    Thursday, October 4, 2018

    It's moronic Monday, the Wednesday edition, your chance to ask any of those questions that you're embarrassed to ask in real life. Investing

    It's moronic Monday, the Wednesday edition, your chance to ask any of those questions that you're embarrassed to ask in real life. Investing


    It's moronic Monday, the Wednesday edition, your chance to ask any of those questions that you're embarrassed to ask in real life.

    Posted: 03 Oct 2018 05:05 AM PDT

    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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    HMNY raises $65 million in new funding, says it has its spending under control, share price climbs up 175%.

    Posted: 03 Oct 2018 01:14 PM PDT

    flips over table

    submitted by /u/howtoreadspaghetti
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    The results of the r/investing survey are in!

    Posted: 03 Oct 2018 05:35 PM PDT

    Hello everyone!

    I've just finished tallying the votes a minute ago and here are the results.

    I will update this post later with a link to the investopedia game and a screenshot of what our portfolio looks like in there.

    But right now I have to finish making dinner.

    Update: I've figured out roughly how many shares of each company we're buying, but the market is closed right now. It could open up or down so the exact quantity of stocks is subject to change. I'll update everyone tomorrow after market open on what the actual portfolio looks like.

    If you go to investopedia.com and make an account you can click on "simulator" at the top of the home page. Search for "rInvesting" and you should see rInvesting oct 2018.

    I'm curious to see how a portfolio of equally weighted positions would do compared to this one, so if someone wants to do that it would be neat to compare.

    submitted by /u/Mr_Suzan
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    I don’t understand option trading at all

    Posted: 03 Oct 2018 07:58 PM PDT

    Could someone help me understand and/or give an example in the simplest way how puts and calls work? I have zero clue when it comes to that and I am interested in learning.

    submitted by /u/griffinmiller14
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    Something like Robinhood for non US citizen?

    Posted: 03 Oct 2018 10:46 PM PDT

    I'm not from US but I would like to invest in the US stock market. Any recommendation for a low cost brokerage firm?

    submitted by /u/amareto3000
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    ADP Private Payrolls grew by 230K vs 185K expected

    Posted: 03 Oct 2018 05:18 AM PDT

    What % of your holdings is Cash? Why?

    Posted: 03 Oct 2018 08:41 AM PDT

    I'm at about 3% right now. Why? Just in case I see a great deal pop up.

    A couple years ago I was at 10% and missed out because the market kept going up.

    Question is should I increase cash now?

    submitted by /u/streetsofrageTWO
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    What caused the spike in 10 year T notes?

    Posted: 03 Oct 2018 07:04 PM PDT

    Opinions on opening a money market account

    Posted: 03 Oct 2018 10:02 PM PDT

    So my parents just inherited about $20,000 due to a relative passing away. Since my parents are going to be retiring pretty soon I don't know if they'd want to invest in the stock market since they wouldn't be able to stay in long-term. I was hoping to get your guys opinion on if a opening a money market account with this amount of money would be a good idea or if there's any other options that may be better. Any advice will help, thanks.

    submitted by /u/Mr_Goose714
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    Long time horizon on large Roth: Best aggressive strategy?

    Posted: 03 Oct 2018 09:40 PM PDT

    So, I'm finally posting the question I made his account for. My parents have a large Roth (let's say $2 million) that is set up to go to their grandchildren (my kids and my siblings kids). None of the kids are fully aware of the size of the Roth, but do know they might get something if my parents don't need it for elder expenses. They will all look to me to manage this for a few decades. I'm already managing it in my parents accounts now.

    The kids will each get an inherited Roth and we will set them up to get lifetime minimum distributions. None of the kids needs the money, they all have or will have solid careers where they will make good money. They are all in their 20s. This is truly frosting that will just let them enjoy their retirements. So we can be aggressive with the investment strategy, and can tolerate those big drops that happen over a long investing timeframe.

    The RMDs will rise from around 2% to about 4% over the next 30 years, so if we can grow this at 7-10%, each of them will get between 8 and 10 million over that time. This assumes they invest the money that comes out via the RMDs.

    I tell them to thank their grandfather now and they'll find out why later!

    Obviously we could just do a three fund portfolio or a target date fund, but I feel we can tolerate more risk/rewards here because it's bonus money.

    What do you suggest for a strategy?

    submitted by /u/SkipGenRoth
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    Should I put the cash in my IRA towards an index tracking fund or let it sit?

    Posted: 03 Oct 2018 10:22 PM PDT

    Backstory is that I've started converting some of my stock positions into cash, betting that the market will downturn sharply in the next 18 months or so. I want to have enough cash on hand to go into the market heavy and buy up stocks I really like, but at the same time I feel kind of stupid just letting it sit as cash in my IRA. I was wondering if I could just buy SPY or QQQ or some other index tracking fund and liquidate to cash at the first sign of trouble instead? or is there another option?

    submitted by /u/trustfundbaby
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    bank customer at several banks, good?

    Posted: 04 Oct 2018 02:05 AM PDT

    could it be good to be a customer at multiple banks if you know you sometimes in the future will take a loan? I am not experienced enough to know why but I am thinking maybe having been a customer can maybe give you some benefits?

    I have also another thought and that is I sometimes get the feeling to just want to forget about my investments. Rn I have 1 bank and I see my investments daily. When it goes very good I sell when I in reality should hold. If I'd have my investments at a bank I seldom log in to I'd be less inclined to sell off, hence maybe having 1 bank for salary and 1 bank for investments?

    Is this a good or bad idea? Feels like a bad idea but thought I'd hear from rest of you

    submitted by /u/adwords_
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    I am very new to investing and I’m wondering how do people find good companies to invest in?

    Posted: 03 Oct 2018 01:56 PM PDT

    Why is there a price difference between a stock on TSX and NYSE?

    Posted: 03 Oct 2018 09:40 PM PDT

    For example TD bank on tsx for the past 5 year is up 67.59% while the Td stock on the NYSE is only 35.31%. I know the currency exchange difference but it doesn't add up.

    submitted by /u/Gamersoulz
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    foreign investors filing IRS taxes?

    Posted: 03 Oct 2018 08:18 PM PDT

    I opened an account with an American brokerage.

    Foreigners still have filing obligations with the IRS under certain circumstances!

    What circumstances and what should beginning (foreign) investors look out for regarding taxes in the states?

    Reading 200 pages of dense IRS publications isn't exactly what I had in mind with regards to "investing".

    submitted by /u/PennyDullCanStrange
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    Graphene is going to take over the world one day - what are some of the best long-term graphene companies you guys are looking at?

    Posted: 03 Oct 2018 11:34 AM PDT

    How many stocks/ETF's do you own?

    Posted: 03 Oct 2018 12:23 PM PDT

    Just curious.

    My portfolio has 10 total stocks, 1 ETF, and Bitcoin.

    VOO is 60% of my portfolio

    My biggest stock is AAPL at 20%

    Bitcoin is less than 0.5%

    The remaining 20% is split into 9 other stocks:

    2 hated stocks: FB and MU (bought recently)

    3 China stocks: BABA, JD, TCEHY (bought in the last couple months)

    2 Old school: DIS, IBM

    2 Big risk/Big Reward: TPL and SHOP

    My basic strategy is to be mostly into VOO unless I see a real good deal. Most of the time I would be 80% VOO but AAPL has gone up so much the last year and I think FB/MU and China stocks are steals right now.

    submitted by /u/streetsofrageTWO
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    Betting against the banking/financial sector

    Posted: 03 Oct 2018 07:46 PM PDT

    Is there a way to bet against the banking/financial sector and make a profit when their sector goes down in the next downturn? Right now I know of FAZ which is a 3X inverse ETF. The issue with this ETF though is that it goes 3X the benchmark for a single day, not cumulative. Does anyone know of an ETF (or another way) to bet against the banking sector but have it track cumulatively the value of their sector as it goes down?

    Here's the link to FAZ: http://www.direxioninvestments.com/products/direxion-daily-financial-bull-3x-etf

    The fact sheet is also worth checking out as well as how it did during the 2008 meltdown.

    submitted by /u/migozo
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    What is your opinion on meta traders , that trade for you on your personal account ?

    Posted: 03 Oct 2018 07:14 PM PDT

    I know I can look up reviews online but hearing it from the user is better in my opinion.

    submitted by /u/commandercody95
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    401k and Roth IRA allocation

    Posted: 03 Oct 2018 09:27 AM PDT

    29yo male. Making 65k and receive quarter bonuses anywhere from 1-15k (Typically the lower end of that spectrum)

    401k invested into schwab 2055 target date Previously was putting 15% into 401 (not including match) Employer match 4% of 401k contribution

    Recently moved my contribution down to 4% and opened separate personal Roth IRA through Chase's new "you invest" option

    I will be putting the 11% match I lowered into this IRA up until the max. And then any remaining back into my 401k.

    I was just curios what would be the best funds to put my Roth IRA into. I'm looking to be highly aggressive most likely a vanguard etf or Index.

    I just find myself paralyzed by the amount of options I have to choose from. Looking for some advice.

    Thank you!

    submitted by /u/mike66621
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    ETFs vs Highest stock in ETF ?

    Posted: 03 Oct 2018 12:24 PM PDT

    Why buy an ETF over buying the biggest stock in that ETF? I know ETFs have many stocks in them, but the ETF really follows suit of the top stocks in it. Is it just more safer when you have the other ones to "lean", if so how much safer, because most of the time it will effect all of the stocks similarly in that etf? Or Am I just missing something.

    submitted by /u/ChumpChangee
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