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
- Growing Major Real Estate Scam in Canada - 1Plus12
- Trump considers privatizing Fannie and Freddie
- Hedge fund liquidated, who pays costs?
- Gamestop (GME) now $9. 17% dividend. Worth it?
- How do I profit from Canadian home prices plummeting in the near future?
- Accredited Investor Options
- Help with International Stock! ADR/ADS or Ordinary Shares?
- American Tower(AMT) or Crown Castle(CCI)
- Mutual fund closed recently, what does this mean?
- Why do academic type investors lose in the real world?
- Where to go from here in order to grow in real estate
- What stock/bond allocation to sleep better?
- Is there anyway to know when a stock is going to split? Specifically AMT.
- Thoughts on the Dow duPont Split and the future Corteva split?
- How did Invesco S&P 500 ETF triple rather than x2.5 in the past eight years?
- Why do fixed income investors use duration and convexity instead of absolute measures in measuring interest rate risk?
- VTSAX Vs. SPHD
- Utg
- visa stock
- Value investing is failing me
- How to destroy SPY using leverage and top global consumer brands
- Do limited partnerships not have retained earnings on their balance sheets or are there no retained earnings for a limited partnership? Is there an equivalent for them?
| Daily advice thread. All questions about your personal situation should be asked here Posted: 02 Apr 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:
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]  |
| Growing Major Real Estate Scam in Canada - 1Plus12 Posted: 02 Apr 2019 07:19 PM PDT Hi everyone, I just want to make every one aware of a serious issue that hit home. There's a bunch of guys who pitch "financial freedom" to old mom and pops and take them for every penny of their retirement savings, make them refinance their homes and leave them high and dry. The main guy used to go by the name of Mo Jiwani. He did the same scam in BC, got caught, came to Ontario, found a lawyer by the name of Jonathane Ricci (who was suspended from Law Society for fraud) who hid his identity and doctored his IDs to change his name to Sai Mohammad. He then teamed up with some guys from Landmark Education by the name of James Destephanis and Glenn Estrabillo who targeted those looking for mentoring and guiding through life..at their most vulnerable...The story broke here a few months back. Check the link below. https://www.reddit.com/r/PersonalFinanceCanada/comments/9u4yys/the_1plus12_scam/ Here's some new development from Global News. If you or your family/friends have been impacted by these guys, make sure to speak up now before it's too late. Best of luck all. https://globalnews.ca/news/5096794/toronto-investment-company-1plus12-facing-lawsuits/ https://globalnews.ca/video/5119905/toronto-based-investment-company-under-legal-fire [link] [comments]  |
| Trump considers privatizing Fannie and Freddie Posted: 02 Apr 2019 04:36 PM PDT Trump mulls taking Fannie and Freddie private and has reached out to Wall St. bankers to discuss a possible sale. The move would benefit preferred and common stock holders whose shares have been frozen in Conservatorship: [link] [comments]  |
| Hedge fund liquidated, who pays costs? Posted: 03 Apr 2019 02:41 AM PDT I put a significant amount for me in a hedge fund with a theme/philosophy that interested me. This company runs several funds. After 8 months I got contacted by them that they didn't raise enough capital for that specific fund to be able to pay the expenses (the admin fee was 1.8% which is high). Consequently, I got my money back at the NAV but minus approximately 15% because of "liquidation costs" that were explained to me included paying Deloitte accountants among other things. I am in Europe. I can't think that is standard practice? Anybody has other experience? I am thinking of taking it for a lawsuit but it's going to be so time-intensive. [link] [comments]  |
| Gamestop (GME) now $9. 17% dividend. Worth it? Posted: 02 Apr 2019 09:01 PM PDT With the recent earnings report, Gamestop (GME) is now only $9. It has a very nice 17% dividend. They are sitting on a lot of cash, and with the high dividend I think they may be oversold and undervalued. Is it a good idea for take on a short-term long position? [link] [comments]  |
| How do I profit from Canadian home prices plummeting in the near future? Posted: 02 Apr 2019 08:07 PM PDT I have been doing some research and reading other research reports. I feel pretty confident that Canadian home prices are going to drop a lot this quarter (more than it already did). How do I profit off of this? [link] [comments]  |
| Posted: 02 Apr 2019 01:11 PM PDT I just finished up my taxes and realized I now qualify as an accredited investor. I know this opens up the door to quite a bit of additional investment opportunities. What are some things I should look be looking into? [link] [comments]  |
| Help with International Stock! ADR/ADS or Ordinary Shares? Posted: 02 Apr 2019 08:50 PM PDT I'm new to investing and recently opened an Ameritrade account. My goal is to build a strong dividend portfolio. While I am primarily interested in REITS, I do want to diversify a bit more. It seems that Scandinavian companies tend to pay a decent dividend but I'm a little confused in regards to what specific stocks to buy considering I can either buy ordinary shares or ADR/ADS shares. If it helps, two companies I'm looking at specifically are Nordea (NBNKF) and Swedish Match (SWMAF). Ameritrade doesn't seem to accurately track Nordea original shares, as it was showing it's price to be under $8 all day today but other sources say it's over $9 currently. There is also a huge price difference between Swedish Match ordinary shares and ADR. I understand there are costs associated with currency conversion but the actual ordinary shares are almost double the price of the ADR. Any suggestions or personal preferences? [link] [comments]  |
| American Tower(AMT) or Crown Castle(CCI) Posted: 03 Apr 2019 12:03 AM PDT With new towers having to go up when 5G arrives, which do you think will be more beneficial investing into long term and why? [link] [comments]  |
| Mutual fund closed recently, what does this mean? Posted: 02 Apr 2019 06:41 PM PDT I'm invested in PSGAX, the Virtus small-cap growth fund. The fund closed to new investors in September last year. It's still performing well (from what I can tell so far, but I'm a rank amateur). Why do funds like this close? I've read this online, which worried me a little.
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| Why do academic type investors lose in the real world? Posted: 03 Apr 2019 03:03 AM PDT Just thinking back in my uni days, my professor didn't do well. I think academic type of investors sometimes lose out because they don't take the Emotion into consideration and psychological factors play a huge factor in driving the market [link] [comments]  |
| Where to go from here in order to grow in real estate Posted: 03 Apr 2019 02:35 AM PDT First of all, I'm pretty young and have never paid a tax in my entire life. I have some economic knowledge but none when it comes to real life practical stuff. So, it's really simple. I have been given a 2 bedroom apartment worth approximately $300,000 in the city less than a couple of minutes of walking distance from a square or from a famous beach(also has sea view). So, basically my question is this. How do I effectively utilise this property to grow from here? Do I simply rent it out to someone and get the rent and that's pretty much it? Any strategy regarding investing in real estate I should know about?(I have this idea in my head but I'm not sure if it works: save up get a loan for another flat and leave the rent of the 2 flats to pay for the loan and so on and so on for more apartments).. Basically, I've been fortunate enough to gain a head-start and I'm wondering what I need to do to maximise its usefulness and grow from here. [link] [comments]  |
| What stock/bond allocation to sleep better? Posted: 02 Apr 2019 08:24 PM PDT I'm currently 36 y/o and late to the investing game. Currently holding 90/10 stock bond ratio. Sometimes have nightmare of losing 50% value because I did buy "high" in early December. Should I go 60/40 - do you think any losses will be significantly dampened? [link] [comments]  |
| Is there anyway to know when a stock is going to split? Specifically AMT. Posted: 02 Apr 2019 10:30 PM PDT I'm a manager in a student managed fund, school money. Last semester, a stock was purchased and 4 days later it split. Can't remember the stock? They're typically high cap stocks in our fund. AMT, American Tower Corporation is my pick. In 10 years it's gone from 22ish dollars to the current price of $195. I really don't want my stock to follow the path of the example I mentioned. I'm SURE its a unreasonable concern but prudence requires I at least look into the possibility. I finished reading "The Intelligent Investor" this semester. I believe the book said there is no predicting stock splits but I figured I'd ask you fine people. [link] [comments]  |
| Thoughts on the Dow duPont Split and the future Corteva split? Posted: 02 Apr 2019 07:44 PM PDT |
| How did Invesco S&P 500 ETF triple rather than x2.5 in the past eight years? Posted: 03 Apr 2019 01:13 AM PDT I was wondering how an S&P500 index tracker (ETF) could've tripled between February 2011 and April 2019 while this marvelous tool says the S&P500 with dividends reinvested should have only increased by 150% over the same period. Is this due to the EUR/USD exchange rate? It's an ETF in US stocks but traded in EUR after all. [link] [comments]  |
| Posted: 02 Apr 2019 09:08 PM PDT From an outsiders perspective, I'm certain that I can build a workbook that would measure in absolute terms just as quickly as I could build a workbook that would measure in duration and convexity. [link] [comments]  |
| Posted: 02 Apr 2019 08:51 PM PDT A little background: 31 years old. After maxing retirement accounts, I deposit $500 into my brokerage account with Vanguard every month, 100% in VTSAX (Total Stock Market) and have just over $25,000 there. After finding SPHD (S&P 500 Low Volatility, High Dividend ETF) I am considering moving all my holdings to that fund. I am not concerned with triggering capital gains selling off VTSAX since that is pretty minimal (I purchased 95% of the shares Sept. 2018). SPHD has outperformed the broader market in the last 5 years and has a Div/Yield of 4.02%. I like that it is paid monthly, creating some decent passive income two decades later when I plan to draw on it should I stop working before 59.5 years old. Before I make any moves, I am wondering if there is anything I may not be considering. Does the fact that the fund is comprised of the most established companies in the S&P limit potential growth? Are the dividends not qualified dividends for some reason and have unfavorable tax implications? I'd love to hear any thoughts or feedback. For context: I have VFIFX (Target Date 2050) for my Roth IRA and 401(k) is made of 3 Vanguard funds (Total Stock, Total Intl, Total Bond) . [link] [comments]  |
| Posted: 02 Apr 2019 08:48 PM PDT |
| Posted: 03 Apr 2019 12:26 AM PDT I got some visa stock im thinkin about selling tomorrow for a nice profit. should I sell or keep holding? the stock is at new highs [link] [comments]  |
| Posted: 02 Apr 2019 11:27 PM PDT For a while now, I have been trying to apply sound value investing approaches by buying quality companies when they fall below intrinsic value with a good margin of safety. The truth is so far I have only managed to acquire one stock with this approach. It is tough... so tough that many value investors are simply waiting for a crash. So far that is not playing too well. Now had I simply just opened initially a small (2-5%) position in each of the stocks I monitor ignoring the ticker price and simply average down when they went down by a margin, I would have been making a decent return instead of idling on cash. This lead me to question whether as a young investor I am over-thinking this process and getting too rigorous about the process, to a point that the research process is becoming injurious to my investing opportunities. I am curious whether you folks encounter the same challenge and how you proceed to rationalize your next steps. [link] [comments]  |
| How to destroy SPY using leverage and top global consumer brands Posted: 02 Apr 2019 10:41 PM PDT While both, risk parity and individual ownership of businesses can be viable techniques to building wealth, why not use a combination of the two given the evidence? We all realize how difficult it is to beat SPY on a consistent basis, as even the GOAT himself, Warren Buffett, has gone on record countless times to endorse ETF's such as SPY vs. individual stock picking. Here is a simple allocation that includes 4 securities: 50.0% SSO 25.0% AGG 12.5% KO 12.5% MCD The math behind this allocation works out to a total of 150% leverage:
Here are the results dating back to the inception of SSO: Out of 13 years of data (including the unfinished calendar year of 2019), the allocation beat SPY in 12 of the 13. The single year of underperformance was 2018 with a drawdown of -5.65% vs. SPY drawdown of -4.52%. The allocation outperformed SPY during the financial crisis years, as well as during opposite heated bull market years like 2013. An overall CAGR of 11.21% vs. 7.96% for that of SPY. Further, a higher sharpe for the leveraged allocation, and a similar max drawdown to that of SPY. Take a look at the data yourself. And here is the chart as a visual representation of the outperformance. I chose KO and MCD as the individual securities, as these are among the top global consumer brands according to Forbes dating back multiple decades. One could likely replace these securities with PG, and/or PEP for example, but I prefer the former given the consistently high rankings as top tier global brands. The idea is to choose consumer brands that will act as bond substitutes during equity drawdowns, thus minimizing the allocation drawdown and creating a better sharpe over long periods of time, and to choose brands whose products/services will almost certainly be directly linked to inflation. Both KO and MCD offer these types of products and routinely act as some of the best securities to own during large equity drawdowns, for reasons that are probably more obvious than not. Risk parity and owning strong consumer brands (tilted towards consumer staples) are both great forms of building wealth, but why not combine the two? While several money managers and hedge fund gurus will spend countless hours trying to beat SPY with limited annual success, a simple and proven method using leverage, strong brands and an annual rebalancing mechanism will likely destroy the pros with minimal effort. as a side-note, the daily re-setting of SSO is actually a tailwind vs. what most assume to be a headwind for the leveraged product. That is, during both 2008 and 2013, SSO actually outperformed what should have been a -74% drawdown and +64% gain given SPY's total annual return each year. SSO certainly suffered a large drawdown in 2008, but it was less than 2x SPY, and it outperformed on the upside, greater than 2x SPY in 2013. [link] [comments]  |
| Posted: 02 Apr 2019 11:48 AM PDT Pope Resources ($POPE), 2013 financial statement (I put in 6 years of numbers for analysis into a spreadsheet), and there's nowhere saying retained earnings for this company. Is it a structural thing about how limited partnerships work? Do these types of businesses not have retained earnings? [link] [comments]  |
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