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    Saturday, April 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 Apr 2019 05:16 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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    US GDP grows by 3.2% in 1st quarter

    Posted: 26 Apr 2019 06:34 AM PDT

    Would it be an ok strategy to buy call/put in smaller stocks to learn options trading?

    Posted: 26 Apr 2019 11:32 PM PDT

    Like the title says as a new investor would it be smart to do small stock (less than $50 a share) buys call/put to get the hang of betting? With the expectation of some or complete failure. Im young and have a decent amount of disposable income each week. (Roughly $200 a week i wouldn't bother throwing away to learn how to grow in the future)

    submitted by /u/CLow48
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    Buying funds for your IRA

    Posted: 26 Apr 2019 09:45 PM PDT

    Quick question everyone. I'm new to investing and opened a roth IRA. When looking into peoples portfolio ideas it seems many people have certain percent allocations to certain mutual/index funds. My question is how do they achieve these percentages? For one, the minimums are all like $3000. If the max contribution is $6,000 per year, even if you had 4 different sources it would take two years to buy into those 4 funds, and they would all be equal shares at 25%. I'm just a little confused how people have portfolios of 40/30/10/10/5/5 or whatever if this is the case. It seems like it would take 10-15 years just to build your ideal setup.

    Another noob question. If your goal is to not withdraw any funds how do these stay consistent with fluctuations in the market? You just buy more into a given stock when it goes up/down in order to maintain the portfolio? Seems like a lot of work for something that I figured was supposed to be passive.

    Thanks for your answers ahead of time. I just bought my first fund with $3000 and just not sure what do do with additional money I add in until I get another $3,000.

    submitted by /u/Gastrorrhexis
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    Analyst Vs. Company guidance

    Posted: 27 Apr 2019 03:58 AM PDT

    Case Nokia. Their information to shareholders has been historically very good, so I generally believe what they say.

    Nokia has been warning that their performance will be really bad early this year. Analysts and markets did not believe it.

    It was bad as expected. Markets were surprised and analyst were disappointed and stock fell.

    Now Nokia says that the whole year is still on track to deliver, but Analysts seem to doubt that for no reason at all and are pessimistic.

    I'm relatively new to investing, but it seems to me that reading stock analysts is waste of time.

    submitted by /u/dogriot
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    Why AT&T and Verizon Are Starting to Struggle

    Posted: 26 Apr 2019 09:59 PM PDT

    https://finance.yahoo.com/news/why-t-verizon-starting-struggle-142222710.html

    This week, AT&T reported earnings of $4.1 billion, 56 cents per fully diluted share, on revenues of $44.8 billion. This included results from what AT&T now calls WarnerMedia, including HBO and CNN.

    Verizon reported earnings of $5.16 billion, $1.22 per share, on revenues of $32.1 billion. This included results from Verizon Media Group, the former AOL and Yahoo.

    Investors roundly booed both sets of numbers, which came up short of previous estimates, sending Verizon down 2% and AT&T down 3%. Both companies had claimed they would get synergies from their diversification efforts. That's not happening.

    submitted by /u/coolcomfort123
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    Slack releases its financials for the first time as it prepares to go public

    Posted: 26 Apr 2019 06:06 AM PDT

    Is there a site that displays a stock market chart with peaks and valleys with notes showing probable causes like buyouts, elections, scandals, etc?

    Posted: 26 Apr 2019 07:51 AM PDT

    With buybacks Strong companies only benefit from major crashes... right?

    Posted: 27 Apr 2019 01:51 AM PDT

    Let's say Facebook crashes 40% again for some stupid reason that doesn't affect fundamentals like just recently

    They have 45 Billion of cash to go hogwild gobbling up shares at a major discount

    Why as a longterm holder wouldn't you want the shares to irrationaly go down the toilet for a while?

    submitted by /u/wesred
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    Guidance on stock portfolio allocation

    Posted: 26 Apr 2019 09:50 PM PDT

    Obviously aware that 100%stock is on the higher risk end of spectrum . I'm happy with that

    Is there any general guidance on splits within that

    E.g. I'm looking at 60% s&p (qqq around 15% of that) 35% in 3 stock picks - midcap to large but tech 5% in yolo stocks low to midcap

    Obvious point is going to be overly exposed to tech

    submitted by /u/dvnielng
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    Finally made my first stock purchase!!!

    Posted: 26 Apr 2019 09:01 AM PDT

    I'm not sure if this is even allowed to be here, so sorry if it isn't, but I can't contain my excitement. I finally pulled the trigger after months of lurking here and learning, and purchased 5 shares of Ford 2 days ago. Yesterday they went up 10% and I got $2.30!!! I know it's not much but I'm super proud of myself right now. Thanks, guys!

    submitted by /u/Prodigal2k
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    10% dividend yield stocks good investment?

    Posted: 27 Apr 2019 12:33 AM PDT

    There are a number of high dividend stocks such as TCPC and HTGC that have long histories of paying divs. Assuming I have the cash flow, why shouldn't I buy these on margin? Are there any examples of high dividend financial stocks (non-REITs) that were crushed overnight by slashing dividends?

    submitted by /u/f12saveas
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    new-investment-guidelines-for-inflation-and-inflation-rate

    Posted: 27 Apr 2019 12:29 AM PDT

    If you had 5 thousand dollars what would be the first thing you'd invest in?

    Posted: 27 Apr 2019 12:10 AM PDT

    $NVDA down 7%

    Posted: 26 Apr 2019 07:02 AM PDT

    Any ideas as to why?

    submitted by /u/jcarmona24
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    What makes a stock valuable?

    Posted: 26 Apr 2019 11:09 PM PDT

    I don't know if this is relevant here, so feel free to take it down, but in the stock market buyers and sellers decide the price of stock through price mechanism.

    Now for example, let's say company A is growing and making a lot of profit, increasing its stock price as investors see it as more valuable, but why?

    The investors don't get anything from the profit they made and from my current knowledge, a company's performance no longer has a say on the stock price after the initial distribution.

    The only thing I can think of is that the company total value increases and then all stocks of said company will increase, but that contradicts what I said before.

    Any help would be appreciated, thank you.

    submitted by /u/iOsyncratic
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    Investors who weathered (or lost) the dot com crash, what “unicorns” are you most wary of these days?

    Posted: 26 Apr 2019 06:33 AM PDT

    Thoughts on $AMD earnings call?

    Posted: 26 Apr 2019 05:06 PM PDT

    I'm personally bullish on amd from recent performance and future outlook on their mid level cards, as well as factors like PS5 with an AMD chip and after intels recent slump, I think amd has a good shot to post well on earnings any thoughts?

    submitted by /u/HomelesToast
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    Wash Sale Rules in a Roth IRA

    Posted: 26 Apr 2019 07:09 PM PDT

    Ok I'm actually confused. Lets say i buy 10 shares of VOO at 250 a share in my Roth IRA, proceed to sell them at 260 a share and then 15 trading days later I buy 10 shares of VOO at 240 a share. When I eventually pull the money out when I'm much older will there be wash sales associated with that trade?

    I understand this example requires a lot of volitility in the market, but its just a simple example that I cant find a correct answer for through googling.

    Thanks for any help and sorry if I messed up some terms or dont understand them fully as im still pretty new to this :)

    submitted by /u/SpittinGriz
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    What to do with Cash

    Posted: 26 Apr 2019 10:55 PM PDT

    Noob investor here. I've got $120k sitting in a new local bank paying 2.2%. It's not advertised as intro rate as it's been out there for 6 months but I suspect it will not last forever. What options do I have to earn 3 to 4% with relatively low risk?

    submitted by /u/Painleaker
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    Avoiding taxes

    Posted: 27 Apr 2019 02:21 AM PDT

    The money I invest typically comes from my paycheck, which makes it all after tax dollars (the best kind of dollars). But when I invest those same delicious after tax dollars, and I make money, I pay taxes on that money. Again. Is there a way around this? I can't imagine the people running this game are paying taxes twice.

    submitted by /u/TheSirLeAwesome
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    US crude plunges 2.9%, settling at $63.30, after Trump says he told OPEC to tame fuel cost

    Posted: 26 Apr 2019 12:50 PM PDT

    ROI if you’ve got $1 million+ to invest

    Posted: 26 Apr 2019 09:13 PM PDT

    Person A has $50,000 to invest and person B has $1,000,000 to invest.

    1. Would person B have access to investment opportunities person A wouldn't have? Any examples?

    2. If yes, wouldn't person B's ROI be higher than person A's

    I'm just trying to figure out why many people say "expect a return of about 5%-7% on the stock market", when they have no idea about how much money a person has to invest.

    Thanks!

    submitted by /u/DinukaPereraRE
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    Investing as a dual citizen (german | american , living in germany)

    Posted: 26 Apr 2019 09:30 AM PDT

    Hello,

    I couldn't find the perfect sub for this question so I thought I would try here. I just wanted to setup my ETF plan to purchase monthly with Flatex as a broker. But they then told me that flatex (and any other German broker) doesn't allow US nationals to buy ETF's throught them - apparently because some IRS rules that make their lives hell.

    I still want to start investing for retirement and was wondering if there is anyone here who has a similar situation (dual citizen) and know's what my options are. Can I open an account that's technically in the US? If so is that taxed here but not in Germany?

    Help. Please.

    submitted by /u/Raawrrish
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