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
- Vanguard Drops The Hammer In ETF Fee War With 21 Price Cuts
- Why Amazon's huge investment in one-day shipping is money well-spent
- How does dividend reinvesting actually work?
- Emerging Markets should be called Corrupt Markets (a critical evaluation of the common practice of investing in emerging market stocks)
- Closed-end Fund question
- People that live off investing, what's your story???
- BYD
- Easy way to find average yearly return?
- Investors of 2006/07/08
- CVS Health Group — Large discount
- Avengers: Endgame’ Sets Global Box Office Record: $1.2 Billion (Bloomberg)
- Should ex-government employees rollover their TSPs into Vanguard funds?
- How do I buy into an IPO?
- Basic NPV question
- Explain to me how to properly execute a limit order buy?
- Travis Kalanick stands to make nearly $9 billion from Uber's IPO
- is it worth having international exposure in my overall portfolio? if so how much for 26 yr old?
- Best s&p ETF for a Canadian
- As an American what is the easiest way to invest in foreign ETF'S?
- Why doesn't Buffett just invest into the S&P 500?
- If I sell a call option contract that I originally bought from someone else, am I now liable for that contract?
- Lyft and Uber - inverse or tandem?
- Which custodial account would you recommend for a 16 year old looking to invest 5,000?
- ROTH IRA
| Daily advice thread. All questions about your personal situation should be asked here Posted: 28 Apr 2019 05:14 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:
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]  |
| Vanguard Drops The Hammer In ETF Fee War With 21 Price Cuts Posted: 28 Apr 2019 06:20 PM PDT https://finance.yahoo.com/news/vanguard-drops-hammer-etf-fee-143705599.html
https://investornews.vanguard/lower-expense-ratios-on-21-vanguard-etfs-means-more-savings-for-you/ [link] [comments]  |
| Why Amazon's huge investment in one-day shipping is money well-spent Posted: 28 Apr 2019 06:07 AM PDT Amazon Prime's move from two-day to one-day shipping this year is a prudent one, even if it comes at a significant cost for the Seattle tech giant, say analysts. [link] [comments]  |
| How does dividend reinvesting actually work? Posted: 28 Apr 2019 05:10 PM PDT Depending on which platform you choose to invest on, you may have the option to reinvest your dividends as opposed to receiving them in cash. This may seem like a dumb question, but how does this actually work? Say you own a single stock valued at 90 dollars that pays a 2 dollar dividend one quarter. If you had turned the option to reinvest dividends on, I would assume your investing program would try to buy another share in that company with the two dollars it paid out. However, most platforms do not allow you to purchase a fraction of a stock. What would happen to your money then? Would it stay in your account until you have enough to purchase? Can anyone with any experience touch on this for me? [link] [comments]  |
| Posted: 28 Apr 2019 12:44 PM PDT For near my entire investor life I've been a follower of Paul Merriman's Ultimate Buy and Hold approach, which essentially takes the entire global stock market and divides it up into 8-10 equal slices. Here's the table, if you're curious. My only edit to Merriman's portfolio is his value tilt. Despite a lot of research, I've never really come to understand the purpose of a value tilt because the definition of what constitutes a value stock is so subjective. Geography is easy. Either a stock is international (ex-US) or it isn't. Large vs. small cap is easy too. But value? So my portfolio has essentially been equally divided up into US (large/mid/small cap & REITs) and International (large/small cap & REITs), and then I rebalance once a year. Sometimes investors on this subreddit, particularly those religiously devoted to market cap weighting of passive index funds, will critique my portfolio, because I supposedly have a "small cap tilt". I disagree. I think my portfolio is tilted in the direction of diversification. It has a diversification tilt. No asset class (intl small cap or US large cap) is larger than the other, because each has the potential to outperform in the coming decade. Indeed, I would argue that market cap weighted index investors (including all those who just throw it all in VOO or VTI) essentially have a large cap tilt. They are the ones undiversified. And what happened to large cap tilters in the 2000s? They made no money for 10 years while virtually every other equity asset class on earth (including small and mid cap US funds) did at least beat inflation. In short, I invest equally in all asset classes because I have no idea what the future will hold. I rebalance once per year in May. This rebalancing is coming up quickly in a few weeks. And I'm making a sizable change to my portfolio this year. I am selling my 12% slice in emerging markets, and distributing this slice equally among the rest of my international allocation. I'm done with emerging markets. This has been a decision I've come to after a lot of consideration, so I thought people on this sub might be interested to hear my rationale. The truth I've come to believe is that we've all been the victims of a hopeful but naive marketing term: emerging markets. This term, we've all come to agree, adequately describes any stocks in countries that are not yet developed, but soon will be. They are "emerging". Developed markets almost seem to be called this way because the easy money has been made. The "developed" economies almost sound mature, too mature for growth, but an "emerging market" has yet to realize its potential. It sounds like getting rich. I have come to believe that the vast majority of "emerging markets" aren't emerging at all. They are developed too. Just not the same kind of development as the USA. The Chinese economy is the second largest economy in the world. So obviously something isn't emerging from being small or poor. China is massive, yet it's still "emerging"? So then, an emerging market is something that is unregulated, something where the price that the stock is at is not necessarily representative of the underlying company. In short, an "emerging market" is a sort of unregulated market. But this also doesn't seem to describe China either, since the state has intense control over its affairs. Indeed, one could argue that China's stock market is far far more regulated than the American stock market. So "emerging market" must mean something else. What could it be? Maybe we can arrive at a conclusion by examining its opposite. So: what is a "developed" market? It is a market where, when I buy a share of stock, I can have some degree of certainty that my share of stock is equal to every other share of stock out there. Essentially, that the company or the regulatory body behind the stock market isn't giving preferential treatment to one person over another. There is regulation in place that assures me that the price of the stock accurately represents the market cap of the company, and all information about each public company is equally available. I'd like to give an even simpler definition of a developed market: it is a stock market that criminalizes the sharing of non-public information about public companies. That's it. So the US and France and Japan are more likely to arrest people who peddle non-public information about their stock market, and China, Russia, and Brazil are less likely to arrest people who peddle non-public information about their stock market. This is a big deal. It means that the hundreds of thousands of investors who have an allocation in Vanguard's, SPDR's, or iShares' "emerging" market funds have less ROI than others more local to the countries who are more, uh, intimately known to the underlying companies. I would like a new definition of Emerging Markets. It is Corrupt Markets. And the USA, Europe, and Japanese stock markets are somewhat more Honest Markets. In this age is such a sentence too brutal to utter aloud? I want to say yes, but that's where my logic has led me. I've suddenly been asking myself: u/TimeTheRevelator, why the hell are you invested in Corrupt Markets? And my weak answer is: diversification and long-term returns. But if, long term, I know that there will be those more local to the underlying companies who will be benefiting more than I will, what assurance do I have that Vanguard's Emerging Market $VWO ETF will meet or exceed the returns of developed market ETFs like $VEA? And the answer to this question is: these corrupt markets will hopefully flower into honest markets like South Korea did. In short, my hope lies in the narrative many of us investors have told ourselves, that emerging markets are just developed markets who haven't had enough time. They just need time and patience, right? I'm not so sure anymore. Perhaps South Korea is the rare exception to the more unpleasant truth: that China will continue to grow for hundreds and hundreds of years, and this economic growth will never result in a stock market that isn't corrupt, rife with bribes and inside information. In fact, if I go down the list of "emerging" market countries, it is extremely hard for me to see one that looks like it about to flower into an honest "developed" stock market. Russia, for example. Is Russia honestly ever going to stop being corrupt at its highest levels? Perhaps. But am I willing to entrust my retirement account around that hope? The answer to this question is a solid no. I don't have a lot of confidence that Vanguard's Emerging Market ETF's holdings in Russia will ever benefit me equally to those more in bed with the Russian stock market itself. So I'm out. I thought people on this sub might find this information interesting, so that's why I wrote this out. As a side note, this realization is startling, considering how ubiquitous investing in Emerging Markets is. I mean, every Vanguard Target Date fund (one of the most common retirement plans in the world) has an international allocation, and a sizable portion of this international allocation (near 22%) is in Emerging Markets. So I've come to ask: how is it that investing in corrupt stock markets has become common practice for the average American? Who made this decision and why do we remain doing it? [link] [comments]  |
| Posted: 28 Apr 2019 10:26 PM PDT Hi, I'm studying for my Series 66 test. One of the test question was asking "Buying closed end funds at discount, what will be reduced?" Buying @ discount: higher yields, purchase price will be reduced? Thanks! [link] [comments]  |
| People that live off investing, what's your story??? Posted: 28 Apr 2019 01:23 PM PDT Maybe people can share light on how they live like this! Would be very helpful! [link] [comments]  |
| Posted: 28 Apr 2019 09:14 PM PDT What do you guys think of BYD? Any other EV leaders in China to look into? [link] [comments]  |
| Easy way to find average yearly return? Posted: 28 Apr 2019 08:37 PM PDT Is there a program out there that you can simply input a stock and quickly find its average yearly return? Or is there a quick way to calculate average yearly return? Thanks in advance [link] [comments]  |
| Posted: 29 Apr 2019 04:02 AM PDT Investors of 2006/07/08, was there this much noise about a pending recession? I was 13/14 and only watched saved by the bell in the morning so I was oblivious even while it happened. Much appreciated. [link] [comments]  |
| CVS Health Group — Large discount Posted: 28 Apr 2019 06:01 PM PDT What are your opinions on CVS? I think the stock is selling at a large discount over matters that will not come to fruition, if at all, for at least 4 years? Any opinions? [link] [comments]  |
| Avengers: Endgame’ Sets Global Box Office Record: $1.2 Billion (Bloomberg) Posted: 28 Apr 2019 09:45 AM PDT Latest film injects $350 million into U.S., Canada theaters Disney owns top 4 weekend openings with Avengers, Star Wars [link] [comments]  |
| Should ex-government employees rollover their TSPs into Vanguard funds? Posted: 28 Apr 2019 07:19 PM PDT For a very long time, the US Fed gov's Thrift Savings Plan (TSP) offered the lowest ERs (at about 0.04%) because they were able to spread the costs over the whole federal workforce. However, recent cuts to ERs by other players (Vanguard going from 0.04% to 0.03%) have now made alternative options competitive. If you had a TSP from a past job, would you rollover those funds into Vanguard? What is the difference in the end amount at retirement if someone has 100K invested now at age 25? TY [link] [comments]  |
| Posted: 28 Apr 2019 05:26 PM PDT I currently have a Schwab account. Is there any way for a nobody like me to get the Uber IPO at the actual IPO price? What are typically the criteria and is it even possible ? [link] [comments]  |
| Posted: 28 Apr 2019 07:51 PM PDT I understand NPV calculates the present values of a series of cash flows. Question: If I have the option to put 10% down or 25% down on a mortgage and I am calculating NPV, does the NPV formula take into account that if use the 10% down option I can invest the extra 15% elsewhere (for example, an S&P500 index fund)? [link] [comments]  |
| Explain to me how to properly execute a limit order buy? Posted: 28 Apr 2019 02:17 PM PDT About a week ago there was a post where many users frowned upon using the "market order" option. I never really thought much of it, since it seems like I always got the price I saw when the order was filled. But apparently I could get a bad price on this? I mostly buy my broker's ETFs and index funds, and I've heard it isn't such a big deal here. But I do buy stock as well. Could someone explain to me what numbers I should be looking at and what my goal should be when submitting a limit order buy? [link] [comments]  |
| Travis Kalanick stands to make nearly $9 billion from Uber's IPO Posted: 28 Apr 2019 10:57 AM PDT
"I can't recall a time when the single biggest beneficiary of an IPO is no longer involved when they go public." https://www.cbsnews.com/news/uber-ipo-travis-kalanick-stands-to-make-nearly-9-billion-from-uber-ipo/ [link] [comments]  |
| is it worth having international exposure in my overall portfolio? if so how much for 26 yr old? Posted: 28 Apr 2019 06:15 AM PDT i currently only have 7% exposure to international and 3 % bonds vs rest US equities (VEXAX,VTSAX,VFIAX,VFORX,VTRT60) i keep researching but over the past 10 yrs plus US stocks has out perform. Should i raise my international exposure ( buying VT) or keep it as it is [link] [comments]  |
| Posted: 28 Apr 2019 04:44 PM PDT What would the best s&p ETF be for a Canadian investor. I use td tfsa also have us tfsa but have to pay to convert currency. [link] [comments]  |
| As an American what is the easiest way to invest in foreign ETF'S? Posted: 28 Apr 2019 10:39 PM PDT |
| Why doesn't Buffett just invest into the S&P 500? Posted: 28 Apr 2019 05:59 AM PDT Buffett was again on record saying the biggest investment mistake is to buy stocks and not invest in the index (source: https://www.youtube.com/watch?v=RPJrYSLlX7A) Are there any status of limitations that prohibits Berkshire to simply invest in the S&P 500? if not then why hasn't he followed his own advice given 10 years of under performance? [link] [comments]  |
| Posted: 28 Apr 2019 03:38 PM PDT |
| Lyft and Uber - inverse or tandem? Posted: 28 Apr 2019 03:27 PM PDT Do you think Lyft and Uber will move inversely or in tandem for the first year and why? The obvious difference between these two companies is Uber has a global footprint - but are there any other indicators that investors will react differently to the metrics being reported by Uber/lyft ((bookings, rides, margin on bookings..)? [link] [comments]  |
| Which custodial account would you recommend for a 16 year old looking to invest 5,000? Posted: 28 Apr 2019 09:26 AM PDT -Are there downsides to having a custodial account? -Would I be able to place trades online without a parent? [link] [comments]  |
| Posted: 28 Apr 2019 12:46 PM PDT Just started a retirement fund. What should I do to build up my money? [link] [comments]  |
| You are subscribed to email updates from Lose money with friends!. To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States | |
No comments:
Post a Comment