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    Wednesday, March 27, 2019

    Daily advice thread. All questions about your personal situation should be asked here Investing

    Daily advice thread. All questions about your personal situation should be asked here Investing


    Daily advice thread. All questions about your personal situation should be asked here

    Posted: 26 Mar 2019 05:13 AM PDT

    If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions. If you are going to ask how to invest you should include relevant information, such as the following:

    • 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 significant other?
    • 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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    After Two Of The Greatest Bull Markets In U.S. History, Why Are Boomers So Broke?

    Posted: 26 Mar 2019 12:20 PM PDT

    Guys I read this article and got worried about my investment in index fund. So the future bear markets will wipe out all my earnings?

    After Two Of The Greatest Bull Markets In U.S. History, Why Are Boomers So Broke?

    One paragraph says:

    "You will notice that in every case, the entirety of the previous bull market advance was almost entirely wiped out by the subsequent decline.

    So, what happened to all those baby boomers? Well, let's walk through the sequence:

    1. Age 30's: In 1980 the "baby boomer" generation is working, saving, and participating during one the 80-90's bull market.
    2. Age 50's: From 2000 to 2002, the "Dot.Com" crash cuts their savings by 50%.
    3. Age 53-57: From 2003-2007 the full market grows savings back to their previous level in 2000.
    4. Age 57-58: The 2008 "Financial Crisis" wipes out 100% of the gains of the previous bull market and resets savings values back to 1995 levels.
    5. Age 58-63: From 2009-2013 financial markets rise growing savings back to the same levels in 2000.

    At the age of 63, "baby boomers" are staring retirement in the face. Yet, because of the devastation of two major bear markets they are no closer to their retirement goals than they were 13-years earlier."

    submitted by /u/geocom2015
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    High Dividend ETF?

    Posted: 26 Mar 2019 04:32 PM PDT

    What high dividend ETF's do you folks recommend? I'm looking to invest into my day trade account and the current ones on my radar are $SPYD and $VYM. Are there others folks recommend looking into?

    submitted by /u/twoseventeen
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    Tech companies haven’t been this negative about a quarter in six years

    Posted: 26 Mar 2019 08:31 AM PDT

    https://www.cnbc.com/2019/03/26/tech-companies-havent-been-this-negative-about-a-quarter-in-six-years.html

    Technology companies are lowering their revenue guidance for the first quarter at a rate not seen since the fourth quarter of 2012.

    The moves come against a generally dismal backdrop for corporate profits, with the S&P 500 expected to show a year-over-year drop of 3.7 percent.

    Despite the dour outlook, stocks have held up well, with the Nasdaq tech barometer up more than 16 percent.

    submitted by /u/coolcomfort123
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    Have More S&P 500 Companies Issued Negative EPS Guidance For Q1 Than Average?

    Posted: 26 Mar 2019 11:04 AM PDT

    Heading into the end of the first quarter, 105 S&P 500 companies have issued EPS guidance for the quarter. Of these 105 companies, 77 have issued negative EPS guidance and 28 companies have issued positive EPS guidance. The number of companies issuing negative EPS for Q1 is above the five-year average (74), while the number of companies issuing positive EPS guidance for Q1 is below the five-year average (32).

    The percentage of companies issuing negative EPS guidance is 73% (77 out of 105). This percentage is above the five-year average of 70%, as more companies have issued negative EPS guidance than average and fewer companies have issued positive EPS guidance than average.

    What is driving the above-average negative sentiment in EPS guidance for the first quarter?

    At the sector level, the Information Technology and Health Care sectors are the main contributors to the above-average negative sentiment in EPS guidance for the first quarter.

    https://insight.factset.com/have-more-sp-500-companies-issued-negative-eps-guidance-for-q1-than-average

    submitted by /u/gfmag
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    How can i get access to professional equity research cheapest?

    Posted: 27 Mar 2019 01:45 AM PDT

    Morgan Stanley, JP Morgan, Deutsche Bank and others produce long detailed equity analyses that would be useful to read as an investor. What is the best way to buy these? Are there any ways to get them for "free" - e.g. if I were to get an investment account with a specific company?

    submitted by /u/Jeebabadoo
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    I'm a little confused about shorts, a few questions.

    Posted: 26 Mar 2019 09:11 PM PDT

    So I understand a short is essentially borrowing a stock, selling it, letting the price drop (You figute it will anyway), buying same stock at new lower price, returning to the lender, and keeping the difference.

    What does the lender get out of this? Do they charge let a set fee to borrow from them?

    And since your borrowing and it's a little different than owning It, is there some sort time limit you get before you have to return to the lender?

    If someone could explain this to me in a simplified, non investor jargon (as little as possible anyway) way I would really appreciate it.

    submitted by /u/djc8433
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    WM Stock

    Posted: 26 Mar 2019 04:08 PM PDT

    What do you guys think about waste management stock (WM)? I feel like its in a league of its own being that there is no other large trash competitors that Im personally aware of. It has a decent dividend. I feel like wm is going to be here for a good bit of time until some 'uber' of trash comes along with something new. The only reason I ask is, I dont hear alot of people talk about it. Is there a factor or piece of info im missing out on?

    submitted by /u/kamwoods
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    Want to buy Gaming stock...where should i go to compare them?

    Posted: 27 Mar 2019 03:06 AM PDT

    Wanna compare how much debt they have..their vision..expected earnings etc. From wich data would you pick any of them? Help me out 🙂

    submitted by /u/waltonchain123
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    Survey: Investment Performance Expectations

    Posted: 27 Mar 2019 02:35 AM PDT

    Hello r/investing!

    I was collecting data for a research paper that analyzes investors return expectations about with a project's valuation in mind. Please take a couple of minutes and fill this survey: https://docs.google.com/forms/d/e/1FAIpQLSdB5nIWTtG-w5-_CHC3a-JWZ4PvKh2PgMNTwL_lJjTfhCGTeA/viewform?usp=send_form

    I'll try to share the papers' results on this subreddit!

    submitted by /u/Schooltuber
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    European investor's ETF setup

    Posted: 26 Mar 2019 09:32 AM PDT

    First, this sub has been a gold mine of information for a starting investor so a big thank you for everyone for that! It's very US-centric though so let's have a little discussion from an European point of view this time. Our systemic situations are very different and that affects our investment decisions in a major way as I will explain further below.

    Second, I'd like to share the ETF setup I ended up with after around a year of research and trial and error. I'll explain my criteria for choosing these ETFs and some strategies. I'm genuinely interested to see your setup and hear your comments, too!

    The ETFs I ended up with:

    My criteria:

    • Must represent a large geographic area
    • Must be a broad index of different sectors
    • Must be low-cost and passively managed
    • Must be big enough ( > 1 billion USD) to be stable
    • Must be accumulating, i.e. does not pay out dividend
    • Shouldn't overlap with the other ETFs in my portfolio, but rather complement them if possible

    My allocation:

    • DX2X: 15 %
    • IS3N: 25 %
    • CPXJ: 15 %
    • CSPX: 45 %

    The allocation is roughly based on global market cap and growth potential.

    Background that lead to this choice:

    I just turned 30 and make slightly above the average wage in my country. I started investing about a year ago, putting a few hundred euros of disposable income from each paycheck into all kinds of exotic ETFs and even an American REIT. The rest of the disposable income goes to a special state-sponsored account for first home savers/buyers with 1% interest + 4 % at the time of closing the deal. My target is to end up with a portfolio worth a few hundred thousand by the time I'm 60. This portfolio I would turn into assets that will yield high dividend or interest. Now, at this point, I hear our American friends wondering and saying hold up! Why would you want dividend income only close to or at retirement age? And how about your 401k and retirement fund, a few hundred thousand won't be enough!

    • Well, in my country (Finland) we do not have tax-sheltered retirement accounts. You pay high tax for dividends, so you'd rather have them in an accumulating fund that automatically reinvests the dividends without paying taxes (if/when the fund is based in Ireland or Luxembourg). Then you'll only pay tax for capital profits after selling the assets. This is a more efficient strategy in the long run than having dividends paid directly to you.
    • In my country we have a peculiar system of mandatory retirement insurance. A certain amount (around 7 %) of your pay is automatically transferred to an insurance company as a tax-like fee. Your employer selects the insurance company. You have no control of what happens to that money. The insurance company invests the money. The idea is that the more you pay, the bigger retirement allowance you will get... But you are at the mercy of the companies and politicians who control them tightly with legislation and regulations. The upside of this system is that everyone is guaranteed a minimum retirement allowance. If this sounds like socialism to you, well... It probably is. So, any passive income I can generate goes on top of whatever retirement allowance I end up receiving.

    So in order to improve my quality of life later on, I've started saving up. After a year of learning to invest, I got rid of my exotic ETFs and the REIT (which, surprisingly, did really well) and focused on these 4. I know it's 100% stocks, but with the above things in mind my risk tolerance is pretty high and I'm in it for the long run. What's your view, would you change something? Do you see value in more specific ETFs for long term investors?

    submitted by /u/zainfear
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    What are some good podcasts for getting daily economic news?

    Posted: 26 Mar 2019 04:24 PM PDT

    I invest mostly in ETFs so Im not as concerned in stock day-trading or options focused podcasts. I listen to NPR's Marketplace when I can but are there some other good ones?

    submitted by /u/Saucepass87
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    A class action lawsuit is being filed against CenturyLink for anyone that purchased shares between about May 2018-March 4 2019. What does this mean?

    Posted: 26 Mar 2019 07:07 PM PDT

    Someone I know purchased an amount of shares of CTL during the specified time period, and has lost about 20% on it. The things I read said it's about investor security fraud, but what exactly does this mean they did? Also, how could it affect this person? Is it possible they could get a free pass on their losses and get paid back? Any discussion here would be helpful.

    Also another question I'd imagine I'm correct in assuming this will hurt the price of CTL shares?

    submitted by /u/multiple4
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    ArcelorMittal PE ratio of 4 rapidly reducing debt and rising demand for steel. Looks super cheap or am i missing something?

    Posted: 26 Mar 2019 12:31 PM PDT

    https://finance.yahoo.com/quote/MT/

    I was looking into steel manufacturers because the market is growing so fast and has a lot of room to grow further, because of countries like india.

    The firts company I looked at was the biggest ArcelorMittal. And it looked really cheap even compared to the other large manufacturers. My understanding is that investors have been worried about their large debt for a while now. However it looks to me as if they have already gone through the worst part of it and are on the right track to having a good liquidity again. Their profits have been steadily rising for the past 3 years and demand seems to be increasing around the globe.

    So my question is to people who are more experienced in this industry why is ArcelorMittal trading so low right now?

    submitted by /u/hugokoott
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    China Plans Record U.S. Pork Imports to Resolve Trade War - Bloomberg

    Posted: 26 Mar 2019 06:18 AM PDT

    Gone For A Big Sell On EurUsd

    Posted: 27 Mar 2019 12:57 AM PDT

    I made 8 Short trades that were aiming for 50 pips in profit and I Ended Making A 72$ profit.

    I Can't Post The Pic Here, but You Check Post On My Profile, I made a video on it too.

    Forex Is Crazy, You Have Good and Bad Moments Too, Follow Your Plan, Never Get Emotional, Or the Emotions Will control you to make some crazy mistakes that can wipe up your account.

    submitted by /u/smhfifa123
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    Thinking about buying a town house in VA that is 1 hour driving far from DC and it’s in a good good shape but it was built in 1975, should I go for it ? How old is too old ?

    Posted: 26 Mar 2019 07:38 PM PDT

    $4667 just randomly showed up in my work retirement plan....what should I do?

    Posted: 26 Mar 2019 06:19 PM PDT

    I randomly checked my vanguard account and noticed a balance much higher than I was expecting. Upon closer inspection, a deposit was made of $4667 and labeled as what looks like a normal distribution.

    For risk of getting downvotes....what should I do? (AKA play dumb until someone says something vs. Bringing it to someone's attention).

    I'm guessing with this amount of money, its punishable if it's discovered by someone else?

    The only real change I've done to my account lately was changing my 403b contributions to Roth distribution at 10%....

    submitted by /u/Voltairious
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    $CBL is not going to be putting out Q3Q4 dividends... a stock traded entirely for its dividends is cutting it's divs in half.

    Posted: 26 Mar 2019 05:34 PM PDT

    thoughts on amazon stock?

    Posted: 26 Mar 2019 12:45 PM PDT

    i recently opened my first brokerage account and have about $10,000. im thinking about spending it on amazon stocks. the shares are pretty expensive but i saw that they have reached 2000 in the past so im hoping to buy it to hold until it passes 2000 again.

    submitted by /u/firstTimeRobinhood
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    WeWork’s Revenue Doubled Last Year. So Did Its Losses (Bloomberg)

    Posted: 26 Mar 2019 03:52 PM PDT

    (edited) International growth has helped the company more than double its sales to $1.82 billion in 2018 from a year earlier. Over the same period, WeWork's losses also more than doubled to $1.93 billion.

    More: https://www.bloomberg.com/news/articles/2019-03-25/wework-s-revenue-doubled-last-year-so-did-its-losses

    submitted by /u/markyu007
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    Find past information about any company stock prices

    Posted: 26 Mar 2019 03:49 PM PDT

    I wanted to know where can I find past information about any company stock price other than the price changes in a graph. Case in point Barrick gold corporation I see their stocks prices went from $85 on 12/26 to 12 something. Was it a stock spit?

    submitted by /u/kanchwal
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