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

    March 04, 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

    Posted: 03 Mar 2019 04:14 AM PST

    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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    Washington and Beijing Are Near Deal That Could End Most U.S. Tariffs on China

    Posted: 03 Mar 2019 03:43 PM PST

    https://www.bloomberg.com/news/articles/2019-03-03/u-s-and-china-in-final-stages-of-completing-trade-deal-wsj

    The U.S. and China are close to a trade deal that could lift most or all U.S. tariffs as long as Beijing follows through on pledges ranging from better protecting intellectual-property rights to buying a significant amount of American products, two people familiar with the discussions said.

    One of the remaining sticking points is whether the tariffs would be lifted immediately or over a period of time to allow the U.S. to monitor whether China is meeting its obligations, the people said. The U.S. wants to continue to wield the threat of tariffs as leverage to ensure China won't renege on the deal and only lift the duties fully when Beijing implemented all parts of the agreement.

    submitted by /u/ShaidarHaran2
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    Tesla Model Y SUV to be revealed on March 14.

    Posted: 03 Mar 2019 05:36 PM PST

    The 10-year anniversary of the bull market is coming

    Posted: 03 Mar 2019 06:33 AM PST

    https://www.cnn.com/2019/03/03/investing/stocks-week-ahead-bull-market/index.html

    New York (CNN Business)1. Ten years gone: In March 2009, the US economy was in the midst of the Great Recession.

    The government had just reported that more than 650,000 jobs were lost in the prior month. The Dow and S&P 500 were each down more than 50% from their October 2007 peaks.

    And there seemed to be no end in sight to the doom and gloom on Wall Street and Main Street.

    submitted by /u/coolcomfort123
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    What Old Navy's spinoff says about America's cheap clothing addiction

    Posted: 03 Mar 2019 04:34 PM PST

    https://www.cnn.com/2019/03/03/business/old-navy-gap-banana-republic/index.html

    New York (CNN Business)When Old Navy stepped onto the scene in 1994, it seemed certain to shake up retailing. And it did just that.

    In four years, Old Navy hit $1 billion in annual sales by hawking trendy, low-priced clothes for Americans across age groups. Old Navy reached kids and teens in a big way, as well as their parents. Last year, Old Navy's sales were about $8 billion.

    submitted by /u/coolcomfort123
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    What is going to happen to the void created by the closing of all the commercial real estate (brick and mortar retail stores)?

    Posted: 03 Mar 2019 05:43 PM PST

    With the closing of all these traditional stores due to e-commerce companies like Amazon, what is going to take the place of all these commercial real estate places? More residential real estate? What will fill these empty spaces? What can be invested in now due to this change? Curious what you guys think?

    submitted by /u/darrens1lverman
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    Merida Capital predicts cannabis to be Trillion $ industry

    Posted: 04 Mar 2019 01:38 AM PST

    Should You Invest in Multiple S&P 500 ETFs?

    Posted: 04 Mar 2019 12:12 AM PST

    I'm completely new to investing. I understand the S&P 500 is the go-to ETF for investors, however, there are different S&P 500 from SPY, VOO, and IVV.

    My question is, CAN and SHOULD we choose "more than one" of these S&P 500 from all three SPY, VOO, and IVV in our portfolio? Basically, are there multiple benefits to choosing more than one even though each S&P 500 essentially contains the same 500 indexes (so as not to put all eggs in one basket in case one, either SPY, VOO, or IVV is no longer offered or disappears)? Why?

    And what would happen if one of the S&P 500 (either from SPY, VOO, IVV is no longer offered or disappears)? Would the 500 company indexes within that disappeared S&P 500 transfer over to the other S&P 500 ETF? (Example: Pretend SPY is no longer available; would the funds from SPY transfer over to either VOO or IVV, or would the fund automatically be sold?)

    I'm sorry I'm just trying to wrap my head around all this being completely new in the investing world and learning all these investing terms.

    submitted by /u/superdudism
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    Stocks Climb With Yuan on Trade-Deal Optimism: Markets Wrap

    Posted: 03 Mar 2019 11:07 PM PST

    Difficulty understanding 10-K for a REIT

    Posted: 03 Mar 2019 04:43 PM PST

    From what I understand REIT's pay out 90% or more of their net income after taxes. Is this before or after paying off debt or buying additional properties?

    Also, is earnings per share calculated before or after the dividend payout?

    So in short what is the order that the following things occur: pay taxes, pay dividends, buy additional properties, pay off debt, and calculate earnings per share?

    submitted by /u/throwitaway1825
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    Investing more than you can afford to lose?

    Posted: 03 Mar 2019 10:08 PM PST

    What are your thoughts on investing more than you can lose? I feel like the idea is very vague. I'm currently in high school, I make about $150 every week and invest $80 of that. My friend mentioned that I am investing more than I can afford to lose, but can anyone really afford to lose anything?

    Do you invest anything after what it costs to put food on the table and pay bills or is it the maximum amount you can lose without having to change your preferred lifestyle at all?

    And if you only invest that which you can comfortably lose is it even worth investing at all? Limiting yourself to that leaves you with such a small percentage of your income that you might as well just throw it in savings. No one invests thinking they'll lose money, and if you allocate a large amount of your capital in super safe investments there's a negligible chance of losing money.

    In my uneducated opinion I feel like the most important thing is what you invest in and not getting caught up in ridiculous what ifs, but I don't know what I'm talking about so I'm looking for opinions.

    submitted by /u/banditfrog760
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    Portfolio Percentage calculation

    Posted: 04 Mar 2019 03:00 AM PST

    when you guys calculate the percentage for each security in your portfolio, do you include the cash at hand as well or just the total amount of invested for the equities?

    For example:

    • TickerA - 10 shares at 5 bucks
    • Ticker B - 20 shares at 2.5 bucks
    • Cash at hand: 10 bucks

    Without Cash, the allocation to TickerA and TickerB is 50% each.

    With Cash, the allocation is 45% for each ticker.

    Additionally when someone says 'don't invest more than 2% of your portfolio in TickerY'. Do they mean so that TickerY would represent only 2% of the total portfolio or do they imply 2% of the investing cash at hand?

    Thanks

    submitted by /u/finwesir
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    The good and bad numbers from Lyfts IPO

    Posted: 03 Mar 2019 11:04 AM PST

    Just thought I'd highlight some interesting numbers that showed both sides of the Lyft story. I am not saying this is a good or bad investment, just hadn't seen any good facts posted about them so thought I'd split the good and bad. There's obviously a lot of growth, and this could all be shaken up by the Uber IPO.

    Good numbers:

    1) Lyft's revenue grew from $343 million in 2016 to $1.06 billion in 2017 to nearly $2.2 billion in 2018. More than doubling revenue in a year at that volume is impressive.

    2) Lyft's booking volume grew from $1.9 billion in 2016 to $4.6 billion in 2017 to $8.1 billion in 2018. Their revenue from point 1 is their cut of this booking volume.

    3) Lyft defines an "Active Rider" as someone who took a trip in any form from their platform within the reported quarter. The Active rider number was up from 12.6 million Q4 2017 to 18.6 Q4 2018

    4) Revenue per active rider. In December 2016 the company reported 6.6 million active riders, which brought in about $18.53 per rider. December 2018 this has risen to 18.6 million active riders, which brought in about $36.04 per rider.

    Bad Numbers

    1) Total Costs rose from $1.77 billion in 2017 to $3.13 billion in 2018 (that's crazy to me)

    2) 2017 lost $688 million, 2018 lost $911 million

    3) Lyft spent $60 million on scooters in 2018... not sure if that's ood or bad, but going for bad

    4) The company's 2017 adjusted EBITDA deficit came to $696.1 million. That figure rose to $943.5 million in 2018.

    My anecdotal comment is that I'm worried by the time they head towards true profitability that Waymo or another driverless car service will be more prevalent, and that the scooters and bike sharing service will be popular but not transformative for their business

    Links

    S1 Image of consolidated statement (all the numbers): https://i.imgur.com/W5hdWv0.png

    Full S1 filing: https://www.sec.gov/Archives/edgar/data/1759509/000119312519059849/d633517ds1.htm

    https://news.crunchbase.com/news/lyfts-ipo-filing-finally-drops-heres-what-you-need-to-know/

    https://news.crunchbase.com/news/lyft-reports-rider-revenue-growth-ahead-of-ipo/

    And the Equity podcast was also a source

    submitted by /u/EducationUmbrella
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    In your opinion, what's the best lazy portfolio?

    Posted: 03 Mar 2019 05:52 AM PST

    Generally speaking, but if you must know, I'm a 20 y.o with a medium/high tolerance for risk

    submitted by /u/Asus123456789
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    Instead of re-balancing holdings between bonds and equities during a downturn, wouldn't it better to just sell the bonds outright and purchase equities?

    Posted: 03 Mar 2019 09:41 PM PST

    People say that one benefit of holding bonds is that you get to rebalance during a downturn if the allocation of your bonds become higher than your desired allocation.

    But instead, wouldn't it be just better to sell them outright when your equities crash?

    For example, let's say you set up two rules for your bonds holdings...

    1. Rebalance if bonds go above more than 5% of your desired allocation %.

    2. However, when equities have dropped 30% from all time high, sell all the bonds to buy equities.

    I know this is "timing" the market but still, I can't think of any reason why it would perform worse than just rebalancing only. Is this because there's a chance that equities might never recover?

    Any thoughts?

    submitted by /u/Coverlaa
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    Must have stocks

    Posted: 03 Mar 2019 12:09 PM PST

    Looking 5-30 years ahead: What are your must have stocks?

    submitted by /u/KrysinNH
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    I'm just a student

    Posted: 04 Mar 2019 12:47 AM PST

    I'm not sure if this is the appropriate place to post but if anyone is interested in filming and directoring who would be like a private investor to this notion. It could be the start of something. Pm if truly serious, I'll provide any info to verify I'm sane nd ambitious, thanks!

    submitted by /u/justme1997
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    Target Date Fund Vs Total Stock Market ETF

    Posted: 03 Mar 2019 01:29 PM PST

    I am looking to open an IRA and I am trying to find the easiest, low maintenance route to retirement.

    I would like to just provide regular contributions rather than value averaging.

    Are Target Date Funds a better option than just buying and holding a total shock market ETF with maybe 15% bonds? Will it really matter? What sort of advantages do Target Date Funds provide, are the expenses higher? Just looking for some information on this!

    submitted by /u/StirFryBeans
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    Talk me out of this one: buying weed stocks with my Roth IRA

    Posted: 03 Mar 2019 08:39 PM PST

    Bad idea? My other investments are all low fee mutual funds.

    submitted by /u/BillNye69
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    Thoughts on Nornickel ($NILSY)?

    Posted: 03 Mar 2019 02:25 PM PST

    This company basically owns a city - Norilsk. You can't even enter the city without the permission of Nornickel. Norilsk is the world's northern most city. Nornickel mines and smelts nickel and palladium. The price of palladium has only been going up in the past decades. Currently Nornickel trades at a p/e of 11.78 and a dividend yield of 9.82%. What do you guys think about this company?

    submitted by /u/Cygopat
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    Besides using Robinhood, how can you get free trades with a brokerage?

    Posted: 03 Mar 2019 05:37 PM PST

    Are there ways to get free trades through brokerage accounts like Vanguard, Fidelity, or Merrill Edge? I know if you have a certain amount of money in them you can, are there other ways?

    submitted by /u/BillNye69
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    What are your March picks and why?

    Posted: 03 Mar 2019 02:20 PM PST

    Since 2016, 35 retailers have filed for bankruptcy (Zerohedge)

    Posted: 03 Mar 2019 09:54 AM PST

    Over the last 48 hours, several big names in the American mall industry announced they would be slashing store counts to the tune of over 300 stores.

    Gap said during its earnings call that it is going to shutter 230 locations over the next two years, just hours after JCPenney said that it would close 18 of its department stores. This news came after L Brands said they were going to close 53 Victoria's Secret stores in North America this year according to Bloomberg. The icing on the cake was when "disruptor" Tesla recently announced all of its sales would be moving online, which is a nice way to say that almost all of its retail locations - many of which are located in malls - were going to close, leaving its "visionary" retail employees at their local unemployment lines.

    More https://www.zerohedge.com/news/2019-03-02/new-big-short-trade-back-malls-are-cusp-implosion-again

    submitted by /u/markyu007
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    Let's say Trump removes all tariffs in the US and China

    Posted: 03 Mar 2019 10:52 PM PST

    I just red somewhere that Trump and China are getting close to a deal. So two of the worlds' biggest countries are able to exchange goods with zero tariffs.

    Do you think our economy will rocket ship past Pluto? For some reason, I keep on thinking that. And now I'm nervous that I'm not 100% long the market.

    submitted by /u/Robo_dogo
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    Why do people believe US stock market will always go up? Why won’t SP500/DOW be next NIKKEI?

    Posted: 03 Mar 2019 10:44 PM PST

    Lots of investment strategies are telling everyone that: Market will always go up, check past 30 years for SP500; invest as early as possible / lump-sum because market always goes up ...

    But, why do we only check past performance for US market, not the past performance for other country's performance? e.g. Japan stock market never recovers to year 1991, not to mention always go up ... if someone from 1991 invests everything / lump-sum in Japan stock market, that must be a terrible 30 years ...

    How can people be so confident that SP 500 will always go up?

    submitted by /u/fay008
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