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

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• Daily advice thread. All questions about your personal situation should be asked here
• Ford invests $500 million in electric truck maker Rivian
• Microsoft hits $1 trillion market cap after earnings beat estimates
• Microsoft Q3 2019 Earnings Highlights
• Tesla Q1 2019 Earnings Highlights
• Facebook Q1 2019 Earnings Highlights
• Deutsche Bank and Commerzbank call off merger talks
• Investors of reddit, what was some bad investment advice you received from popular books about investing?
• Looking to expand my knowledge
• AT&T Q1 2019 Earnings Highlights
• Boeing Q1 2019 Earnings Highlights
• Facebook estimates up to $5 billion loss in FTC privacy inquiry
• What are the most likely scenarios with AMZN earnings release?
• Long term investing advice
• DeGiro turbos
• XPO steady increase after Amazon?
• What is the best beginner book for investing?
• How much are your stocks worth and what's your age?
• Inherently, why does a capital gains tax exist?
• Performance of different U.S. stock factors and styles since 2009
• How do you compare a list of transactions against the S&P 500?
• Online courses to understand quarterly reports and financials?
• Rental Property vs REITs or more traditional equities / fixed income
• An argument for buying stocks rather than mutual funds/etfs
• A Closer Look at Copper & Its Buddies: Platinum & Gold

Daily advice thread. All questions about your personal situation should be asked here Posted: 24 Apr 2019 05:15 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 [link] [comments]

Ford invests $500 million in electric truck maker Rivian Posted: 24 Apr 2019 09:11 AM PDT In February, Rivian raised $700 million in a funding round led by Amazon, following rumors that GM would also invest. And Ford said Wednesday it has invested $500 million in electric truck maker Rivian to build a new battery-powered electric vehicle for the Detroit manufacturer. https://www.cnbc.com/2019/04/24/ford-to-invest-500-million-in-electric-truck-maker-rivian.html submitted by /u/HashofCrete [link] [comments]

Microsoft hits $1 trillion market cap after earnings beat estimates Posted: 24 Apr 2019 03:05 PM PDT Earnings: $1.14 per share, excluding certain items, vs. $1.00 as expected by analysts, according to Refinitiv. Revenue: $30.6 billion vs. $29.84 billion as expected by analysts, according to Refinitiv. https://www.cnbc.com/2019/04/24/microsoft-q3-2019-earnings.html submitted by /u/pipsdontsqueak [link] [comments]

Microsoft Q3 2019 Earnings Highlights Posted: 24 Apr 2019 01:17 PM PDT Revenue was $30.6 billion and increased 14% Operating income was $10.3 billion and increased 25% Net income was $8.8 billion and increased 19% Diluted earnings per share was $1.14 and increased 20% ​ Revenue in Productivity and Business Processes was $10.2 billion and increased 14% (up 15% in constant currency), with the following business highlights: Office Commercial products and cloud services revenue increased 12% (up 14% in constant currency) driven by Office 365 Commercial revenue growth of 30% (up 31% in constant currency) Office Consumer products and cloud services revenue increased 8% (up 10% in constant currency) and Office 365 Consumer subscribers increased to 34.2 million LinkedIn revenue increased 27% (up 29% in constant currency) with record levels of engagement highlighted by LinkedIn sessions growth of 24% Dynamics products and cloud services revenue increased 13% (up 15% in constant currency) driven by Dynamics 365 revenue growth of 43% (up 44% in constant currency) ​ Revenue in Intelligent Cloud was $9.7 billion and increased 22% (up 24% in constant currency), with the following business highlights: Server products and cloud services revenue increased 27% (up 29% in constant currency) driven by Azure revenue growth of 73% (up 75% in constant currency) Enterprise Services revenue increased 4% (up 5% in constant currency) ​ Revenue in More Personal Computing was $10.7 billion and increased 8% (up 9% in constant currency), with the following business highlights: Windows OEM revenue increased 9% (up 9% in constant currency) Windows Commercial products and cloud services revenue increased 18% (up 20% in constant currency) Surface revenue increased 21% (up 25% in constant currency) Gaming revenue increased 5% (up 7% in constant currency) driven by Xbox software and services revenue growth of 12% (up 15% in constant currency) Search advertising revenue excluding traffic acquisition costs increased 12% (up 14% in constant currency) submitted by /u/hyousef333 [link] [comments]

Tesla Q1 2019 Earnings Highlights Posted: 24 Apr 2019 02:24 PM PDT GAAP operating loss of $522M, GAAP net loss of $702M, including $188M of non-recurring charges Cash and cash equivalents of $2.2B at Q1-end Model 3 gross margin ~20% in Q1 Produced roughly 63,000 Model 3 vehicles in Q1, which was approximately 3% more than the previous quarter Deliveries of Model S and Model X declined to 12,100 vehicles in Q1 compared to our two-year run rate of roughly 25,000 units per quarter. In Q1, we recognized $15 million in revenue from ZEV credit sales compared to less than $1 million in Q4 2018. Approximately 2% of our vehicle deliveries were subject to lease accounting. Model S and Model X gross margin declined in Q1 predominantly due to reduced volume and pricing actions. Energy generation and storage revenue in Q1 decreased by 13% over Q4 2018. GAAP gross margin of the Energy generation and storage business in Q1 dropped to 2.4% compared to Q4 primarily due to reduced volume in the solar retrofit business. Service and Other revenue in Q1 decreased by 7% compared to Q4. This was predominantly due to decreased used car sales which move directionally with total new vehicle deliveries. Service and Other gross margin in Q4 declined sequentially to negative 39%. Our total GAAP operating expenses increased to $1.09 billion in Q1, which was 6% more than in Q4 2018. Gains attributable to non-controlling interests impacted our income statement negatively by $35 million in Q1. Interest and Other expenses were $123 million in Q1 compared to $182 million in Q4. Non-cash items accounted for $66 million of total interest expense. Our cash position decreased from $3.7 billion to $2.2 billion mainly due to a $920 million repayment of convertible notes, of which $188 million negatively impacted operating cash flow. Gigafactory Shanghai will be almost fully funded through local debt. Thus far, we have secured an approximately $522 million (as at March 31, 2019) credit line from local banks. Our capital expenditures were $280 million in Q1 including early investments for Gigafactory Shanghai. We reaffirm our prior guidance of 360,000 to 400,000 vehicle deliveries in 2019, representing an increase of approximately 45% to 65% compared to 2018. submitted by /u/hyousef333 [link] [comments]

Facebook Q1 2019 Earnings Highlights Posted: 24 Apr 2019 01:23 PM PDT Daily active users (DAUs) – DAUs were 1.56 billion on average for March 2019, an increase of 8% year-over-year. Monthly active users (MAUs) – MAUs were 2.38 billion as of March 31, 2019, an increase of 8% year-over-year. Mobile advertising revenue – Mobile advertising revenue represented approximately 93% of advertising revenue for the first quarter of 2019, up from approximately 91% of advertising revenue in the first quarter of 2018. Capital expenditures – Capital expenditures, including principal payments on finance leases, were $3.96 billion for the first quarter of 2019. Cash and cash equivalents and marketable securities – Cash and cash equivalents and marketable securities were $45.24 billion at the end of the first quarter of 2019. Headcount – Headcount was 37,773 as of March 31, 2019, an increase of 36% year-over-year submitted by /u/hyousef333 [link] [comments]

Deutsche Bank and Commerzbank call off merger talks Posted: 25 Apr 2019 02:18 AM PDT https://www.reuters.com/article/us-commerzbank-m-a-deutsche-bank/deutsche-bank-and-commerzbank-call-off-merger-talks-idUSKCN1S10UN A two paragraphs article: FRANKFURT (Reuters) - Deutsche Bank and Commerzbank have ended talks to merge with no deal, the banks said on Thursday. The announcement from both banks, which cited execution risks, restructuring costs and capital requirements, came during the sixth week of merger talks between the two German lenders. submitted by /u/COMPUTER1313 [link] [comments]

Investors of reddit, what was some bad investment advice you received from popular books about investing? Posted: 24 Apr 2019 04:38 PM PDT submitted by /u/lleeway33 [link] [comments]

Looking to expand my knowledge Posted: 24 Apr 2019 08:55 PM PDT I am reasonably new to investing on the stock market and am seeking to expand my knowledge and awareness. How do you guys get your information or advice, could be podcasts or youtube or just blogs of some sort. Anything is appreciated! submitted by /u/TheMeals [link] [comments]

AT&T Q1 2019 Earnings Highlights Posted: 24 Apr 2019 04:39 AM PDT Diluted EPS of $0.56 as reported compared to $0.75 in the year-ago quarter Adjusted EPS of $0.86 compared to $0.85 in the year-ago quarter Consolidated revenues of $44.8 billion Cash from operations of $11.1 billion, up 24% Capital expenditures of $5.2 billion Free cash flow of $5.9 billion ​ Q1 Results Communications Highlights Mobility: Service revenues up 2.9%; operating income and EBITDA growth with postpaid phone and prepaid net adds 179,000 postpaid smartphone net adds in the U.S. 80,000 postpaid phone net adds 96,000 prepaid net adds of which 85,000 are phones Entertainment Group: 13% operating income growth with solid ARPU gains 6.9% EBITDA growth as company targets stability Focus on long-term value customer base 22.4 million premium TV subscribers – 544,000 net loss 1.5 million DIRECTV NOW subscribers – 83,000 net loss Nearly 300,000 AT&T Fiber gains; 45,000 broadband net adds with broadband revenue growth of more than 8% 12.4 million customer locations passed with fiber WarnerMedia Highlights Solid revenue growth with strong operating income growth with gains in all business units Turner subscription revenue growth HBO digital subscriber growth continued as last season of Game of Thrones begins Strong Warner Bros. revenue and operating income growth Latin America Highlights 93,000 Mexico wireless net adds Xandr Highlights Advertising revenues grew by 26.4% largely due to the AppNexus acquisition Consolidated Results Q1 consolidated revenues totaled $44.8 billion versus $38.0 billion in the year-ago quarter, up 17.8%, primarily due to the Time Warner acquisition. Operating expenses were $37.6 billion versus $31.8 billion in the year-ago quarter, an increase of about $5.8 billion due to the Time Warner acquisition and higher commission amortization from adopting new accounting standards last year, partially offset by lower wireless equipment costs and cost efficiencies. Operating income was $7.2 billion versus $6.2 billion in the year-ago quarter, primarily due to the Time Warner acquisition, with operating income margin of 16.1% versus 16.3% Q1 net income attributable to AT&T was $4.1 billion, or $0.56 per diluted share, versus $4.7 billion, or $0.75 per diluted share, in the year-ago quarter. Cash from operating activities was $11.1 billion, and capital expenditures were $5.2 billion. Capital investment – which consists of capital expenditures plus cash payments for vendor financing – totaled $6.0 billion, which includes about $800 million of cash payments for vendor financing. Free cash flow — cash from operating activities minus capital expenditures — was $5.9 billion for the quarter. submitted by /u/hyousef333 [link] [comments]

Boeing Q1 2019 Earnings Highlights Posted: 24 Apr 2019 05:05 AM PDT Engaging global regulators and customers on safe return to service of the 737 MAX Revenue of $22.9 billion reflecting 149 commercial deliveries and higher defense and services volume GAAP EPS of $3.75 and core EPS (non-GAAP)* of $3.16 Operating cash flow of $2.8 billion; paid $1.2 billion of dividends Total backlog of $487 billion, including more than 5,600 commercial airplanes Cash and marketable securities of $7.7 billion provide strong liquidity Previously issued 2019 guidance does not reflect 737 MAX impacts; new guidance to be issued at a future dat ​ Due to the uncertainty of the timing and conditions surrounding return to service of the 737 MAX fleet, new guidance will be issued at a future date ​ Commercial Airplanes Q1 revenue was $11.8 billion reflecting lower 737 deliveries Q1 operating margin was 9.9% reflecting lower 737 deliveries partially offset by a higher margin on the 787 program Commercial Airplanes delivered 149 airplanes and the production rate for the 787 increased to 14 airplanes per month Commercial Airplanes backlog remains healthy with over 5,600 airplanes valued at $399 billion. ​ Defense, Space & Security Q1 revenue increased to $6.6 billion primarily driven by higher volume across satellites, weapons and surveillance aircraft partially offset by lower C-17 volume Q1 operating margin increased to 12.8% reflecting a gain on sale of property partially offset by unfavorable mix Defense, Space & Security booked orders valued at $12 billion during the quarter and backlog grew to $67 billion, of which 31% percent represents orders from customers outside the U.S. ​ Global Services Global Services first-quarter revenue increased to $4.6 billion, primarily driven by higher volume across the portfolio including the acquisition of KLX Q1 operating margin was 14.1% reflecting mix of products and services and less favorable performance submitted by /u/hyousef333 [link] [comments]

Facebook estimates up to $5 billion loss in FTC privacy inquiry Posted: 24 Apr 2019 01:14 PM PDT Facebook took a $3 billion charge due to the Federal Trade Commission's inquiry into its business, the company disclosed in its first quarter 2019 earnings report. Facebook estimated the loss could be as much as $5 billion for the company. "The matter remains unresolved, and there can be no assurance as to the timing or the terms of any final outcome," the company wrote in its release. https://www.cnbc.com/2019/04/24/facebook-estimates-up-to-5-billion-loss-in-ftc-privacy-inquiry.html Facebook's stock price was down nearly 1% in after-hours trading after the company announced it could take a loss of as much $5 billion due to an ongoing Federal Trade Commission inquiry. The company posted worse-than-expected loss due to the FTC inquiry. Earnings: 85 cents per share Revenue: $15.08 billion, vs. $14.98 billion, forecast by Refinitiv Daily active users: 1.56 billion, vs. 1.56 billion forecast by FactSet Monthly active users: 2.38 billion, vs. 2.37 billion forecast by FactSet Average revenue per user: $6.42, vs. $6.39 forecast by FactSet https://www.cnbc.com/2019/04/24/facebook-earnings-q1-2019.html submitted by /u/pipsdontsqueak [link] [comments]

What are the most likely scenarios with AMZN earnings release? Posted: 25 Apr 2019 03:19 AM PDT It seems like most of the tech companies are hitting or exceeding their earnings this quarter. AMZN dampened their expectations for this quarter when they released 1Q earnings, so I feel like that is already built into the stock price and a nice beat on earnings could happen. Obviously that is just general talk and my opinion, but I'm curious opinions on what happens after hours today. I don't see a huge jump if they beat - maybe 4% to 2000. What about a miss? Maybe 3-4% the other way? What are Friday's option prices telling us? submitted by /u/BBQingFool [link] [comments]

Long term investing advice Posted: 25 Apr 2019 03:18 AM PDT Hello all, Just trying to get some of your guys opinions on the best strategies for investing and what the best options to do with the money I currently have. I'm 33 yrs old and have a stable job making around 80 k a year. 50 k in a 17 month CD @ 3.2% 60 k in a high yield savings account Roth IRA contributing the annual max through vanguard in a target retirement fund TSP of 30k just sitting stagnant (current employer does not offer 401k) Vanguard brokerage (VTSAX) with 3.5k I feel like I should at least drop half of my high yield savings account balance into my Vanguard VTSAX. I plan on keeping the VTSAX long term and not making any withdrawals until I'm closer to retirement. I'm more of the set it and forget it type of person if that helps. Thanks fo the input. submitted by /u/MrTed2015 [link] [comments]

DeGiro turbos Posted: 25 Apr 2019 02:05 AM PDT Dear Reddit community, ​ Could anybody explain to me what each element of the following name for a turbo on the VIX found in DeGiro means? ​ "VIX SL 11.75 HB 3.71 FN 10.69 R 1.00 BNP Paribas Turbo Long" ​ As far as I now, turbos are a mix of financing and a SL at which the seller of the turbo sells the underlying shares or product /if possible) and you recover part of your initial investment while the seller is totally protected (as long as it is able to sell the underlying at SL) while the seller makes a profit by charging annual interest on the financing level provided. As of this writing, VIX is trading @ 13.2. I guess that SL 11.75 is the SL level, but I do not understand the other factors. ​ Thank you for your time. submitted by /u/rooigle [link] [comments]

XPO steady increase after Amazon? Posted: 25 Apr 2019 02:01 AM PDT I'm very fresh to investing ( only really been involved since December last year) so please be gentle and mind my grammar. So obviously since I started pretty much everything has gone up, but one company I have been watching is XPO. Even after Amazon chose to part ways with them, and then having a bit of a change in business model, they seem to be going from strength to strength (there stocks are anyway up 40% in the last month) Would love any insight or tips in general? submitted by /u/Wild_Cat_Cory [link] [comments]

What is the best beginner book for investing? Posted: 25 Apr 2019 01:48 AM PDT I've read Rich Dad Poor Dad and I really appreciated the point of view of the book. Now I want to have some more practical understandings and details about investing. I read that a must read is "Intelligent Investor" from Ben Graham, but I don't know anything about investing, market, stocks, speculation, gambling and so on. So my question is: may I start reading Intelligent Investor, or I need to read some basic books before starting it? Thank you submitted by /u/aboscus [link] [comments]

How much are your stocks worth and what's your age? Posted: 25 Apr 2019 01:04 AM PDT submitted by /u/zznuk [link] [comments]

Inherently, why does a capital gains tax exist? Posted: 24 Apr 2019 07:42 AM PDT This might be a basic/beginner question that could apply to multiple subreddits (TooAfraidToAsk, ELI5, etc) but I wanted to get a very good answer. Why do we even have a capital gains tax on stocks? Especially when the money we contribute to purchasing stocks is post-tax already, then capital gains tax taxes that money yet again. I think it would make sense that if you really had to have a capital gains tax, to do it after a set amount, say $500k of gains only, then tax a flat rate like how it is right now. I'm really just trying to understand why this money gets taxed twice. submitted by /u/igcetra [link] [comments]

Performance of different U.S. stock factors and styles since 2009 Posted: 24 Apr 2019 08:54 AM PDT https://www.fortunefinancialadvisors.com/blog/no-free-lunch-over-the-last-ten-years/ submitted by /u/rover771 [link] [comments]

How do you compare a list of transactions against the S&P 500? Posted: 24 Apr 2019 10:12 PM PDT I've extracted a set of buys and sells of individual stocks (dividends are not in the lists). What's a good way to compare total returns against the S&P? Do you e.g. pretend each buy and sell was of the index on that date? How do you get all that dividend info? submitted by /u/greatm31 [link] [comments]

Online courses to understand quarterly reports and financials? Posted: 24 Apr 2019 06:15 PM PDT Hello everyone, I would like to be able to precisely understand company financials and earning reports. I am tired of reading generic mainstream (cnbc, bloomberg) reports which seem to quote selectively from the actual reports with lot of subjective interpretation on top. I want to understand terms like "cash flow", "accounts payable", "net receivable", how assets are amortized etc. ​ What are good online courses I can take to get there? Ideally, the course would take less than a couple of months. submitted by /u/DufusMaximus [link] [comments]

Rental Property vs REITs or more traditional equities / fixed income Posted: 24 Apr 2019 10:44 AM PDT (Hoping this doesn't violate the 2nd rule of looking for advice. Looking to discuss REITs vs rental property, not advice specific to my situation. Below paragraph is just for context.) Hello all. I've been working out of college now for a few years and for the first time my income far exceeds my expenses. Able to save ~25% while living very comfortably, renting an apartment, evening travelling a bit. I've been saving a good amount of my income in ETFs. My parents (and other adults) having been nagging me the last year or so, saying that the smartest investment plan is to buy rental properties. (For context, I live in Toronto, Canada. They live in an affluent small town in Ontario) They are very surprised when I say that I'm not interested, due to the additional work, huge amount of interest I'd be paying on the mortgage, and the stress of dealing with tenants. I've heard some pretty terrible horror stories here on reddit. My long term plan would be to buy a condo (for my family and I to live in), and just continue to max out contribution in my retirement accounts. My parents are not a fan of that, and think it's irresponsible. Am I missing something here? Looking at the cashflows of a rental property (less the effort of maintaining the property) and the cash flows of a dividend paying ETF, or any similarly risky asset, wouldn't they be somewhere in the same ballpark at the end of the day (or by the time I retire)? Do people just prefer rental properties because they in a way 'force' you to save for the future (as opposed to a TFSA ETF where you could easily pull funds to blow on a vacation)? submitted by /u/bikaphone [link] [comments]

An argument for buying stocks rather than mutual funds/etfs Posted: 24 Apr 2019 09:14 PM PDT This is not about saving on management fees, it's about tax loss harvesting. I never get to do it because all my funds and etfs are super diverse, and the market has been up the last few years, so none of my funds are down overall. But if I had a variety of individual stocks instead (even the same stocks I already have in mutual funds), I'd have the ability to sell them and realize the losses for tax benefits. In mutual funds there are individual holdings that go down, but they offer no tax benefit whatsoever, so the losses are effectively worse than they need to be. Using a loss to offset income is a huge effective reduction in the amount of net loss, and holding more individual stocks increases the odds you'll get to do this. Am I missing anything? submitted by /u/Roboculon [link] [comments]

A Closer Look at Copper & Its Buddies: Platinum & Gold Posted: 24 Apr 2019 08:36 AM PDT In our last financial market outlook "A Visit with Dr. Copper," we analyzed copper as a reliable representation of the world economy. We explained that "copper's behavior is typically useful as a leading indicator of economic health and the economic cycle." Strong copper prices generally imply a strong demand for copper. Since the metal has many applications across different economic sectors, strength in copper usually indicates a growing global economy. In our post, we also briefly discussed the relationship between copper prices and the Chinese economy. China and its stock market have a strong influence on copper prices. This isn't surprising since China is the largest importer of the metal, consuming about half of the world's copper. Our fundamental research shows that Chinese growth bottomed last quarter after 8 consecutive quarters of slowing growth. Strong Chinese economic data and a rising Shanghai Composite should continue to have a positive effect on copper prices. Let's now take a closer look at copper's behavior relative to some other players in the market. Gold, although also a commodity, has been under-performing relative to copper. This further indicates that investors are no longer betting on an economic recession. Investors usually invest in gold for at least one of two reasons: (1) they seek a safe-haven to more defensive areas and/or (2) they seek a hedge against inflation. So far, this year, investors have shown feeble interest in gold. The precious metal has under-performed all major market indices. Furthermore, it's struggled to gain strength against a strong US Dollar and more recently, a bounce in the US 10-Year Treasury Yield. Like copper and unlike gold, platinum has also performed strongly this year. Platinum behaves more like an industrial metal than a precious metal. Both copper and platinum are seen as representations of economic health. Investors' interest in platinum illustrates offensive, risk-on sentiment and confidence in the US economy. In conclusion, the stock market rally seems healthy and stable under the hood. The recent leadership in the financial sector and strength from transports are certainly encouraging. However, we would like to see more broad participation to include mid- and small-cap stocks moving forward. In addition to broader participation, we would like to see Treasury Yields moving higher to confirm the incoming global economic recovery that copper and platinum may be hinting at. In other words, the strength in copper and platinum should be confirmed by higher yields and lower gold prices. submitted by /u/freedominvest [link] [comments]

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