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.
- 20 Year Annualized Return by Asset Class
- I Read The News So You Don't Have To - Market News (Oct. 31, 2018)
- If Warren Buffett’s methodology is so simple, why don’t other people have returns comparable to his?
- Google employees around the world are walking out today to protest the company's handling of sexual misconduct
- Alphabet is beginning to earn money from self-driving taxi service: Waymo
- Let's say recession/crash comes within next three years.
- How to tell if you understand a business?
- I read the news so you don't have to - Macro News (October 31, 2018)
- Amazon experts, how likely could Amazon develop a web search engine?
- I Read The News So You Don't Have To - Market News (Nov. 01, 2018)
- Does it matter where I buy the stock? Can I buy American Stock (AMAZON) on Frankfurt or Vienna Stock Exchange, at no additional risk?
- Vanguard more tax efficient than Fidelity?
- FOUR THINGS to know ahead of Apple fiscal Q4 earnings: An EPS-less preview
- Am I misunderstanding something or is real estate a really bad investment option in NYC
- Explain me how to calculate profit/loss through inflation
- Cannabis Companies Good for Investments / Venture Capital?
- Why shouldn't I put the majority of my investments in a momentum-based market timing strategy?
- Why are people so afraid of stocks?
- Delisted Stocks? What do I do?
- Any stocks you think has discount in this dip
- What is the cost basis of a company founder's stock?
- (GER) First ETF investment portfolio as the EU investor - please share your feedback
- Looking to invest in ETF's and US Stocks from New Zealand. Which brokerage platform should I be using?
- Dyson to launch electric vehicle
- Marijuana
| Posted: 31 Oct 2018 05:04 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
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! [link] [comments]  |
| 20 Year Annualized Return by Asset Class Posted: 31 Oct 2018 10:44 PM PDT You might be surprised https://www.valuewalk.com/wp-content/uploads/2017/07/Farnam-Street-July-2017-2.jpg Research by JP Morgan Asset Management [link] [comments]  |
| I Read The News So You Don't Have To - Market News (Oct. 31, 2018) Posted: 31 Oct 2018 04:40 AM PDT 🎈Happy Birthday Bitcoin, born on October 31, 2008 in the midst of the financial meltdown, bitcoin turns 10 years old today. 🎈 UNITED STATES
OTHER
CHINA
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| If Warren Buffett’s methodology is so simple, why don’t other people have returns comparable to his? Posted: 01 Nov 2018 12:24 AM PDT |
| Posted: 01 Nov 2018 12:54 AM PDT
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| Alphabet is beginning to earn money from self-driving taxi service: Waymo Posted: 31 Oct 2018 11:44 AM PDT Last week in Alphabet's Q3 earnings call Alphabet provided investors with some updates on Waymo: Ruth Porat, CFO of Alphabet
Sundar Pichai, CEO of Goggle
Personally I think this service flew under the radar, for example I only found out about this service in detail last week. It could be a game changer! [link] [comments]  |
| Let's say recession/crash comes within next three years. Posted: 31 Oct 2018 07:24 PM PDT Let's say we see a big crash within the next three years, three years being the max. Let's say you invest all your money right now and receive 10% return per year. In three years you'd be up 30%, but crash could wipe that out and more. Now what if you put your money into a GIC or high interest savings account at say 3%. That's 9% over three years, missing out on 21% if you invested. But if the market crashes, realistically it could be 30-50%. You could enter the market then and make a great deal more than if you entered right now. What's the argument to that? We don't know if and when a recession is coming? Or we could return 10%+ per year? [link] [comments]  |
| How to tell if you understand a business? Posted: 31 Oct 2018 09:05 PM PDT One guideline in investing is to only invest in businesses you know and understand. What indicates that you know a business well enough to invest in it? If you don't know anything about a business that's a clear sign to stay away. The opposite side is harder to determine. If you're learning about a company or industry, how would you know you have a sufficient grasp of it? The only way you'd know that you didn't know enough would be by looking back in hindsight after you learned more, which is sort of a retrospective problem. [link] [comments]  |
| I read the news so you don't have to - Macro News (October 31, 2018) Posted: 31 Oct 2018 09:27 AM PDT h/t to u/ogordained for the inspiration to post here Top snippets: Mueller hoax • SpaceX reshuffle • CPTPP moves forward POLITICS BUSINESS ECONOMY More context: The original TPP was in jeopardy after President Trump withdrew from negotiations; however, the remaining 11 nations finalized a revised version in January. TECH More context: Waymo has already been utilizing a similar approval in Arizona and plans on launching a commercial self-driving ride hailing experience in the state by the end of 2018. BUZZ BUZZ [link] [comments]  |
| Amazon experts, how likely could Amazon develop a web search engine? Posted: 01 Nov 2018 12:02 AM PDT I heard that many people type in non-product searches into Amazon.com just like others would normally do in Google, Bing, etc. Not putting anything past Jeff Bezos, how likely would Amazon be able to capitalize on this by developing a high quality web search engine? [link] [comments]  |
| I Read The News So You Don't Have To - Market News (Nov. 01, 2018) Posted: 01 Nov 2018 04:34 AM PDT UNITED STATES
OTHER
CHINA
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| Posted: 01 Nov 2018 04:20 AM PDT |
| Vanguard more tax efficient than Fidelity? Posted: 31 Oct 2018 06:09 PM PDT I am looking to open up an account for general long-term investing in etf/index/mutual funds (and an IRA). I already have an account with Fidelity for day/swing trading but I keep on reading that Vangaurd is more tax efficient than Fidelity so I was considering going with Vangaurd for long-term investments. Question: I don't quite understand how Vangaurd is more tax efficient than Fidelity. I have read that they even have patented funds. Also, does this tax efficiency make "a lot" of difference long-term? Can someone smarter than me explain this please or point me to some articles? :) Thanks in advance! Reference: one article that has pointed this out which is still not clear to me https://www.financial-planning.com/opinion/vanguard-vs-fidelitys-zero-funds-on-fees-expense-ratios-and-tax-efficiency [link] [comments]  |
| FOUR THINGS to know ahead of Apple fiscal Q4 earnings: An EPS-less preview Posted: 01 Nov 2018 03:19 AM PDT Apple reports Q4 earnings on Thursday, November 1st, after the bell. Here are a few things to watch for: 1. iPhones? iPhones iPhones are it. They are the brain of Apple, making everything else go. iPads? Macs? Accessories? Inconsequential. The company will live and die by iOS. Here's why. The company has built the massive product, and gotten in the hands of millions of users. It is THE mobile platform, even if it doesn't have a dominant market share. And it's a cash cow. If you have an iPhone, you're likely to be buying subscriptions, apps, making in-game purchases. And Apple gets a cut of all of that. It's also really the only phone the young folks will consider using. You know, the consumers who really matter. However, most people who want an iPhone have an iPhone. It's mostly upgrades from here. So how many people are actually upgrading? Or are more people with older models holding out? As I wrote a few months ago, people are waiting longer and longer to upgrade. And that hurts Apple. We used to upgrade every two years, then the phones got better and we could stretch it out to three. I'm still using my four-year-old iPhone 6+, and with iOS 12, it's running better than it has in two years. Sample of one, but I'm just part of a larger trend. Second, any comments on Xs/XsMax/Xr sales? The company rolled out the new devices this month, so there won't be able sales figures for Q3 yet. But the company is definitely going to provide some updates on the new slate of iPhones, especially with the crucial Q4 coming up. But look for comments on the Xs Max – will the up-to $1500 price tag turn off buyers? What about the Xr, which a bunch of reviewers called the best iPhone for your dollar ever? iPhone ASPs have been slipping in recent quarters. The people who wanted the X last year bought the X, then everyone else who just needed to replace their iPhone 4 just seemed to buy the cheaper models. [Note: There are charts and a link to all the data here] Q3 is a down quarter traditionally, but look for some expectation setting. 2. Services growth Services are the future of Apple, not the iPhone. For so long, the company buttered its bread with the iPhone. But since almost everyone who wants an iPhone has one, it's not all about services. Apple's iPhone sales as a percent of the company's revenue has only fallen over the past few years, from over 66% in 2015 to an expected ~60% in 2019. Services, on the other hand, has more than made up that gap, growing from just under 9% in 2015 to an expected 16%+ in 2019. On a rolling four-quarter basis, iPhone sales growth has rebounded from around -5% in mid-2016, but is only expected to be around 1% – or less – through 2019. Services, on the other hand, has grown nearly 7% over the past few quarter, and is expected to keep chugging along at 5% quarter-over-quarter or so through next year. That 20%+ growth makes services THE focus for Apple's future. To top it all off, Services margins are much higher than device margins. This is only going to be a bigger and bigger story around Apple's future. 3. China China sales have clawed their way back in the past few quarter. On an annualized, rolling four-quarter basis, sales in China hit a low in the June 2017 quarter, but have since snapped back, hitting the highest level since the September 2016 quarter in Q2. However, Apple's sales in China – as a percent of all sales – has continued to fall since peaking in Q2 2015. For Apple, this is a dual-edged sword. China is obviously the biggest growth market in the world, and Apple is losing market share, falling to the number 5 spot earlier this year [CNBC]. On the other hand, Apple is becoming less reliant on China as a growth driver – probably good given the trade tensions between the two countries. Still, Apple made a deal with China Mobile, which has a subscriber base of 900 million people. Clearly they're still trying to break through in China. But speaking of trade uncertainty… 4. Tariffs and trade The company has posted four consecutive quarters of sales growth in China, but can for how long? Apple was exempted from tariffs for most products, including the Apple Watch and AirPods back in September [WSJ], but the White House is threatening tariffs on all imports from China, depending on how the talks between Trump and Xi play out at next month's G20 [Bloomberg]. If all Apple products are covered by tariffs, that's a massive, material risk for the company. The New York Times wrote in June that the Trump administration said it would spare Apple from tariffs, and the Tim Cook has been lobbying both the US and Chinese governments through the escalating trade spat. But that may not be enough. WSJ noted recently that "In the U.S., the proposed tariffs of 10% would have added more than $11 to the import cost of about $115 for a Chinese-made Apple Watch Series 3, according to market researcher IHS Markit. Analysts say Apple would either eat those costs on the device, which retails for $269—and similar costs on other products such as AirPods—or pass the costs on to retailers and consumers." If an iPhone Xr, at $750, is around three times that amount, that could work out to an extra $33 per phone. And that's with a 10% tariffs. A 25% tariff has been thrown around, which could make that $750 iPhone Xr suddenly cost around $83 more, or $833. [link] [comments]  |
| Am I misunderstanding something or is real estate a really bad investment option in NYC Posted: 01 Nov 2018 02:39 AM PDT As most know rent in NYC is stratospheric. I was tempted to purchase in order to not just transfer money to someone else, but doing the math is sobering. Let's say you need to borrow $1m to pay for an appartment that would normally rent around $5,000 per month. With a mortgage interest rate of 4.5% (which apparently is considered low), this means that in the first few years you need to pay approx 40/45k a year just in bank fees. With a real estate tax rate of approx 1.8%, on a $1.5m house you have to pay $27,750 a year in taxes. Add MOAs that can easily be around $10,800 annually. This means you have to pay $6,500/month at least for the first few years. Before you even start contributing to your equity. I know that there is the appreciation of the appartement can make it worth it, but that's a pretty big gamble and a game of very average return over the last decade. Ultimately I just don't see how buying makes sense in this market. I have seen other regions where it can (lower taxes, no MOA, half the mortgage rate), but in this kind of city, I don't see it. Am I missing something? [link] [comments]  |
| Explain me how to calculate profit/loss through inflation Posted: 01 Nov 2018 04:35 AM PDT Inflation in my country is 5% Bank deposits are 4% Predicted inflation by the end of this year is 3,5% If i put my money in the bank (4% interest) for one year and inflation drops to 3,5% by January how much profit or loss will I have in one year if inflation stays 3.5%? [link] [comments]  |
| Cannabis Companies Good for Investments / Venture Capital? Posted: 31 Oct 2018 10:23 PM PDT With the recent legalisation of Cannabis in Canada, Would it be a good idea to invest in Cannabis Companies? [link] [comments]  |
| Why shouldn't I put the majority of my investments in a momentum-based market timing strategy? Posted: 31 Oct 2018 09:06 AM PDT Hear me out. I know that this goes against the conventional wisdom of buy & hold, but I think that the reason most timing strategies ultimately fail is because they are not completely objective and rule-based. Instead, traders inject emotion and subjectivity into their decisions and therefore make bad decisions. I have developed several trading strategies modified from those proposed in the following links:
I am fully aware that just because something has worked in the past, does not guarantee that it will work in the future. However, these strategies are not just robust for the past 10, 20, 30 years. These have been backtested to 1875 and dramatically outperform the market at virtually all time points. On top of that, the models do well on market datasets that were withheld from the model "training" data to avoid over-fitting. By using a strictly rule-based trading strategy, I would remove emotion and subjectivity from the trading decisions and therefore not fall victim to the main reasons why market timing doesn't work for most investors. So... my question is given that these sorts of momentum trading strategies have been historically robust for such a long time, why shouldn't I put all of my IRA into such a strategy? What am I missing? (Note: IRA is being used because it will shelter my investments from excessive short and long-term capital gains taxes which would result from the high trading frequency, though still not more than once per month) [link] [comments]  |
| Why are people so afraid of stocks? Posted: 31 Oct 2018 10:11 PM PDT I was reading this thread on /r/personalfinance and was just like... jesus christ, you need a year of using a simulator before you can put a tiny amount of money into stocks? And it's not just them, even on /r/investing I feel like half the posts are people just saying dump your money into VTI. People act like individual stocks are slot machines, but it seems to me like there are a lot of stocks that are pretty safe bets unless there's a crash. And if there is a crash... tracking the market won't save you. I don't get why investing in stocks is so scary especially if you are working on a long enough timeline. Now, options on the other hand... that's gambling. [link] [comments]  |
| Delisted Stocks? What do I do? Posted: 31 Oct 2018 01:09 PM PDT Hey all, so the stock I bought awhile back sent hadn't been trading for awhile and so I looked them up and it said the trading of stocks had been suspended and that the stocks would be delisted. What do I do to get my money back or can I do anything? [link] [comments]  |
| Any stocks you think has discount in this dip Posted: 01 Nov 2018 03:45 AM PDT Any particular stock has a huge discount after this dip but is a good long term buy. [link] [comments]  |
| What is the cost basis of a company founder's stock? Posted: 31 Oct 2018 03:44 PM PDT If someone (like Zuckerberg for example) start a private company and therefore own private shares of it, what happens to the cost basis if the company goes public? Is it zero because the owner didn't pay anything for the shares, is it the market price on the closing day of the IPO, or something else? [link] [comments]  |
| (GER) First ETF investment portfolio as the EU investor - please share your feedback Posted: 01 Nov 2018 03:09 AM PDT Hi guys, I am 23, work and live in Germany and after After days of reading and researching, I decided to keep the portfolio quite simple, but also include a bit of overweight on Europe and add EM. So, I almost decided on these ETFs:
I would really appreciate if you can give me your feedback if the portfolio makes sense and/or if I need to change it. Thank you so much!!! [link] [comments]  |
| Posted: 31 Oct 2018 08:20 PM PDT Hi! I've been browsing this sub for the last few months and learning as much as I can and am now finally looking to get my feet wet with investing but want to make sure I get the right platform for my goals before I start. Most of the information here about getting started I've found has been relating specifically to those that reside in the US or Europe (using Robinhood etc) - but as a non-US resident these options aren't available to me. About my situation/what I'm looking for:
So far I've only really heard about using Interactive Brokers, but are their any cons to using them as a non-US resident? As I'm not playing with a large sum of money yet, is that a major issue? Any information would be fantastic. Happy to provide any additional information if needed! [link] [comments]  |
| Dyson to launch electric vehicle Posted: 31 Oct 2018 05:43 AM PDT |
| Posted: 31 Oct 2018 09:03 PM PDT Is it too late to invest in Marijuana? Canada legalized it and now Mexico. Has the ship sailed on this opportunity? Or is there still time to "get in early?" [link] [comments]  |
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