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    Saturday, June 15, 2019

    Daily Advice Thread - All basic help or advice questions must be posted here. Investing

    Daily Advice Thread - All basic help or advice questions must be posted here. Investing


    Daily Advice Thread - All basic help or advice questions must be posted here.

    Posted: 14 Jun 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.

    Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq

    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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    i swear this sub is 736k of the same person

    Posted: 14 Jun 2019 03:47 PM PDT

    "Time in the market..."

    "The market can stay irrational.."

    "What about Japan!"

    "Dollar cost average into index funds till you're 90 years old! I don't care about that day to day of the markets (yet i still read this sub every day)"

    "only invest in USA, china is a sham and EU is dead"

    why does this get upvoted every time? Do people never get bored of hearing these over and over?

    submitted by /u/jjscruff
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    Chewy.com, PetSmart's online business, opens at $36 after pricing at $22 per share

    Posted: 14 Jun 2019 08:04 AM PDT

    India finally retaliates in tariffs tit-for-tat with US

    Posted: 14 Jun 2019 06:47 PM PDT

    https://www.livemint.com/news/india/india-finally-retaliates-in-tariffs-tit-for-tat-with-us-1560504965702.html

    The move comes ahead of the meeting between Modi and Trump on the sidelines of the G20 summit in Japan.

    New Delhi has decided to impose long-pending retaliatory tariffs on 29 US products. Washington had withdrawn duty-free benefits for Indian exports under its Generalized System of Preferences (GSP) effective 5 June.

    The retaliatory tariffs will come into effect beginning 16 June.

    submitted by /u/sdhaja
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    A Top Technical Analyst's Take On Disney, Netflix

    Posted: 14 Jun 2019 12:40 PM PDT

    https://www.benzinga.com/analyst-ratings/analyst-color/19/06/13922305/a-top-technical-analysts-take-on-disney-netflix

    Unlike Disney, Netflix has not broken out of its sideways range yet, so it's definitely going to take a meaningful break below that 200 DMA to raise a red warning flag on the stock. If it does indeed break below that line, investors may consider swapping out of that name and moving into Disney

    Very simply, this swap looks quite good on a technical basis.

    submitted by /u/gvonwalt
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    Amazon U.S. Online Market Share Estimate Cut to 38% From 47% (Bloomberg)

    Posted: 14 Jun 2019 04:56 AM PDT

    • Researcher EMarketer reduces estimate after Bezos disclosure
    • Amazon remains by far the largest online retailer in the U.S.
    • https://bloom.bg/2WK0Qah
    submitted by /u/markyu007
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    10 years of savings sitting in bank, where to safely invest ?

    Posted: 14 Jun 2019 11:32 PM PDT

    Hi guys,

    This is a throwaway, hence why I'm comfortable giving my financial figures .

    I've got about 100k sitting in the bank

    I max out my vanguard IRA at the beginning of each year . VFFVX I believe was the fund name.

    I recently put about 35k into richuncles REIT with an auto invest of $1000 more each month

    I'd like to move a good chunk of my cash sitting in bank, making Nada, into a safe investment.

    I'm a beginner invester. Ive got accounts with vanguard, ToS, and robinhood but I use them pretty rarely.

    I know some here have mentioned putting the money into funds. Given my specific circumstances, and the fact that I'm looking for a pretty safe investment to accrue some interest, what would some of you more experienced investors recommend ?

    Thanks for reading

    submitted by /u/investingthrow101
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    Do non US retirement funds invest as much in their own country's equity as US based funds invest in US equity?

    Posted: 14 Jun 2019 03:41 PM PDT

    I'm an American with a Roth IRA mostly invested in a target date fund. I'm very far off from retirement so 90% of the fund is invested in stocks. Breaking this out, 50% is invested in US stock and 40% in international equity. Curious if retirement funds have a similar break out in other countries. Or do they follow the same pattern and invest in their own country first and others second? It makes some sense to me that US equity could make up the largest portion of foreign retirement funds as the US still has one of the most dominant stock markets. However, if an individual in the UK were to tell me their fund was 50% invested in British companies and 40% in international (where a portion of that is US equity), then I would feel worse about my portfolio allocation. Is there some sort of bias to bet on your own country first even when there may be greater opportunity elsewhere? By the time I retire it is highly plausible that another country has overtaken the US in economic and political power (China, India, etc). We all want to get the greatest return on our investments so you'd think fund allocation between countries would be relatively the same. If it's not it makes me think there's a bias I need to correct for.

    submitted by /u/n96j77
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    Merchant Cash Advance - Yes or No?

    Posted: 15 Jun 2019 12:51 AM PDT

    I'm building a portfolio of short-term alternative investments, and considering MCAs as part of my strategy. Has anyone had experience putting money into one of the Merchant Cash Advance companies? If so, what was your return? How was the experience?

    submitted by /u/ImpeckablePecker
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    What do you guys use to track investments?

    Posted: 14 Jun 2019 02:21 PM PDT

    I'm looking for a new took to track my stock portfolio and rental properties. I have 7 properties and 25 stocks. Ideally I'd like to be able to see a break down by stock sector and track growth along side dividends. I'd also like if I can incorporate realestate income if not I'd just like a really robust portfolio tracker. As a side note I'm really visual so data visualization would be great. Ideally a dashboard style view where I can see performance on like one page would be awesome.

    If anyone has any kind of suggestions I'd love to hear what you use

    submitted by /u/offensiveniglet
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    Minors and investing

    Posted: 14 Jun 2019 09:16 PM PDT

    How can I invest as a 16 year old with parental help?

    submitted by /u/zurentec
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    Sources about non-US markets/economy

    Posted: 15 Jun 2019 02:20 AM PDT

    Hi, i am following a few sources about macro economy & markets. Like Investing for beginners, Breakfast with Dave, Macrovoices, Felder report, Real vision, Ray Dalio etc. But all of them are focused on US economy and neglect other parts of the world most of the time. Since i am from EU i would like to get better insight what is happening over here.

    Can someone give me advice who to follow?

    Ps. Wasn't sure if i should post in /r/economics or /r/investing

    submitted by /u/eleksis
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    Where can you learn Trend Analysis

    Posted: 15 Jun 2019 12:49 AM PDT

    Interactive Trader - Reliable Company for Investing?

    Posted: 15 Jun 2019 12:47 AM PDT

    TLDR: Mother and I are New to investing and she wants to put 25K into an investing company (Interactive Trader) who used clever marketing and giving out enough information to entice people into buying higher levels of education, with no real testimonies from people who have gone through the high-level program.

    Context:

    I attended an investing event featuring Kevin O'Leary talking about his success in business ventures and investing money. Being that I am 20 Years old I was very interested in going as it was a free event to attend. Now at the event, there were 3 speakers who spoke about different areas where people have made their money. One from Real estate, one for Stocks and trading and Kevin himself. I was particularly interested in the stock marketing workshop through the Company Interactive Trader. Of course, its one of those things that you spend money up front, get it for a discount and so forth. I have always been interested in getting into the Stock market but have no experience in the area and wanted some direction. I figured, for the $300 (Normally $1000 from what I have read online), to get some idea of what I am getting into, the worst that can happen is that I wasted the money and know better for next time. You were also allowed to bring a guest for free and ended up going with my mother.

    They structure it over the course of 3 days.

    Day 1 - Get everyone very excited as they teach you about Options such as calls, puts, Futures ect.

    Day 2 - You begin to break these things down into understanding how the above work and how to make money off them in good and bad markets. As well as Upselling the different "class options" with the Top class costing $25,000 (Yea... I know). They have you bring in some of your financial documents to assess where you are and ask to pull a soft credit score.

    Day 3 - (Not taken yet) Tomorrow we will be learning some more in-depth information.

    At this class, we were presented to my mother and I were hooked. The excitement of how much money could be made was great. I felt very informed about the information presented and I felt well taken care of. But I have my woes.

    Research:

    I've done a bit of digging on it finding many different things online and doing a bit more in depth on the company and if they are actually a legit company offering education. I found online that they are reviewed highly on a lot of iffy websites, one specifically Trust Plot where they have a direct link from their website and other blogs. Although they are quick to respond to bad reviews, they have all come from people who have only attended this 3 Day workshop. None that I can find are any testimonies from people who have actually gone through any other higher level courses. I also read that they contract out their one-on-one advisors, and that " We do not hold ourselves out as a real estate broker, registered investment advisor or licensed securities broker, dealer or firm. We do not have any securities, insurance, or investment advisor licenses. We are not a licensed real estate broker; state or federal registered investment advisor; licensed securities broker; dealer; agent or introducing broker; tax accountant; or law firm. Some of the company's hired presenters, trainers, and staff may hold various registration and licensing, but they do not operate in such capacity, as agents of the company. "

    Question:

    The reason, why I am asking, is that my mom, who has some money and nearing retirement, is very serious about going signing up for their top-level class TOMORROW costing $25,000 which is a LARGE number to swallow, but believes this would be the best way to become a well-rounded trader and good way to manage their money for the future.

    Now, they Brand themselves as an education company and I do think they have something good to offer, but am afraid of letting my mom make such a risk to though that amount of money at something and at a company that I can not find enough legit information to confirm my suspicion.

    If you could help me diagnose this or help me find another community to help it would be IMMENSELY Helpful! Thanks in advance!

    I apologize if this is not the optimal place to post this, but figured people here might have some insight into companies like Interactive Trader and help me to a guided decision if this is a good idea.

    Link to their homepage: https://interactivetrader.com/

    submitted by /u/HD-Shadowstar
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    Dividend Growth or AT&T?

    Posted: 14 Jun 2019 05:15 PM PDT

    Everything i'm reading says that current yield doesn't matter as much as yield growth and its fine to start with something around the 3% yield range. My question is why not just choose AT&T which already has almost 7% and has been growing for 35 years? Am i missing something?

    All opinions welcome!

    submitted by /u/jor_thomas
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    New York investing jobs

    Posted: 14 Jun 2019 10:12 AM PDT

    I have a question not directly about investing but about working within the Investing industry. I'm a college grad with a major in economics and have been trying for a few months to find work involving investing such as a hedge fund entry position but am finding it incredibly difficult to even find positions let alone qualify for them since most want 3-5 years experience. So my question to those that work in the industry is how did you start? Primarily those without any personal connections. This industry seems extremely brutal to those without any connections and since I am not from New York I have nobody to really look to for guidance so I am turning to you reddit.

    submitted by /u/Fattybears
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    Facebook is so undervalued it's rediculous...they can pitch their own future projects to basically almost half the world at no cost.

    Posted: 15 Jun 2019 03:09 AM PDT

    FB can start ANY future project and have it become a Household name on Short notice.

    Starting a shoe business, selling candy, whatever it is that they own and want to be known that thing or service SHALL BE Known.... the end.

    FB is basically a shopping mall with 3 Billion visitors each Day, ANY shop within such a mall is gonna thrive.

    This beast is valued lower then boring consumer staples and fastfood companies in the market......just L O L

    submitted by /u/wesred
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    Anyone buying the Slack IPO?

    Posted: 14 Jun 2019 07:19 AM PDT

    We have seen share prices rocket in the months that follow IPOs, I think the same happen to Slack. Probably the most recent comparison is Zoom (good product, enterprise focus) - thought Z is profitable. Is anyone thinking of buying Slack for this reason?

    I hear the valuation of the company is $17bn, which is a LOT for a company losing $140m/yr w revenue @ $1bn (from what I remember), but the recent post IPO train seems to be hot...

    Edit... checked the S-1 and they actually are reporting $400m in revenue... so the IPO is pricing at 42.5x revenue!! Which is extremely aggressive. Zoom is priced at 70x, so the upside for slack is more limited than I thought.

    submitted by /u/JoshSummers
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    Have anybody heard about crowd1.com?

    Posted: 14 Jun 2019 09:09 PM PDT

    I'm thinking about investing in crowd1, is this legit or not?

    I've already joined in the pre-launch. But a little sceptical.

    submitted by /u/Bolt91
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    Roth IRA vs. Index Funds/Stocks for Young People

    Posted: 14 Jun 2019 12:22 PM PDT

    I'm 20 years old and have been investing in the Vanguard 500 Index Fund and a few stocks (PayPal, Stitch Fix, Planet Fitness) since I was 18. Would it be smarter to take some of the money I invest and start a Roth IRA, or should I continue what I'm already doing?

    submitted by /u/FreshWoodJohnson
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    Best books for learning strategies?

    Posted: 14 Jun 2019 08:56 PM PDT

    I just got done reading A Random Walk Down Wall Street and now I'm looking for something that will teach me more about different strategies and how to play it smart. Any recommendations? Thanks!

    submitted by /u/imnotdealing
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    Is Chase's You Invest insured?

    Posted: 14 Jun 2019 08:14 PM PDT

    Hi, I'm getting into stocks and I'm interested in Chase's You Invest and I was looking at their FAQ and at the very bottom, it says:

    INVESTMENT AND INSURANCE PRODUCTS ARE:
    · NOT FDIC INSURED · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

    · NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES
    · SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

    Does this mean that they are not insured and if everyone puts money into their brokerage account loses everything if something bad happens (not because of bad investments)? I know other stock brokerages are insured, like Robinhood is insured by SIPC up to $250,000 but I don't see any info on You Invest.

    submitted by /u/hvu415
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    Why invest in total market international index funds?

    Posted: 14 Jun 2019 01:53 PM PDT

    I'm new to investing, and it seems pretty straightforward with domestic index funds. A steady growth consistently.

    However, I'm looking at VTIAX, and from 2010 to 2019, it really hasn't grown at all. The growth chart has shallow peaks and troughs, and the price of one share of VTIAX was $26.12/share on November 29 2010, and yesterday was $27.94/share.

    What am I missing? Is it based on hopes that international index funds will have similar growth charts to domestic ones? Or that domestic stocks are more volatile and subject to crashing, where utilizing intl. index funds will simply keep your money near it's initial investment amount rather than heavy losses during domestic crashes.

    It seems like VTIAX and other international index funds are good for maintaining your money, but not growing it. It looks smarter and far less risky to just put money towards ladder CDs or in high-yield savings accounts.

    submitted by /u/SillyInvestingAdvice
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