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

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• Daily Advice Thread - All basic help or advice questions must be posted here.
• Bloomberg: Boeing’s 737 Max Software Outsourced to $9-an-Hour Engineers
• Dow futures surge more than 260 points after Trump and Xi agree to not impose more tariffs
• Next biggest Recession since 2008!?
• Anyone with good experiences in social impact investments?
• Long Term Market Expectations 2019 - 2023
• fidelity visa rewards or amex charles schawab
• Once in a while, I like to look at this image to (hopefully) give myself a reality check
• Is there an easy way to screen mutual funds with the highest returns for the last month or 30 day period?
• How to evaluate no-profit companies like SHOP and NOW?
• Q3/Q4 NAND production slowdown - long MU?
• At this point in time (1st July 2019), where do you think is more interesting to put your money into? Gold? Bitcoin?
• SPHD - Invesco S&P 500® High Dividend Low Volatility ETF. Good or bad?
• Why would a share price decline despite great business growth?
• A good time to invest in US Small Cap & BRIC ETF's?
• What is the best 'change' you have made to your process/method to make your investing/trading more successful?
• Where can I learn more about purchasing intellectual property shares?
• Noob question about the actual workings of index mutual funds
• Are leveraged index funds similar to leveraged ETFs?
• When calculating free cash flow to equity and when taking into account net debt issued, are you only taking into account long term debt or all debt issued through credit facilities, short term debt, etc.?
• Noob question BRK-B
• Buying multiple companies in the same industry
• ABA Marketing - does anyone heard of them? They offer investing program called First with 25% yearly income. Have a gut that it’s a scum, but not sure. Need your opinions.
• How are participating life insurance funds able to produce such consistent returns?
• How is fundrise?

Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 30 Jun 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. 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 [link] [comments]

Bloomberg: Boeing’s 737 Max Software Outsourced to $9-an-Hour Engineers Posted: 30 Jun 2019 02:19 PM PDT https://www.bloomberg.com/news/articles/2019-06-28/boeing-s-737-max-software-outsourced-to-9-an-hour-engineers Longtime Boeing engineers say the effort was complicated by a push to outsource work to lower-paid contractors. The Max software -- plagued by issues that could keep the planes grounded months longer after U.S. regulators this week revealed a new flaw -- was developed at a time Boeing was laying off experienced engineers and pressing suppliers to cut costs. Increasingly, the iconic American planemaker and its subcontractors have relied on temporary workers making as little as $9 an hour to develop and test software, often from countries lacking a deep background in aerospace -- notably India. Boeing said the company did not rely on engineers from HCL and Cyient for the Maneuvering Characteristics Augmentation System, which has been linked to the Lion Air crash last October and the Ethiopian Airlines disaster in March. The Chicago-based planemaker also said it didn't rely on either firm for another software issue disclosed after the crashes: a cockpit warning light that wasn't working for most buyers. Engineers who worked on the Max, which Boeing began developing eight years ago to match a rival Airbus SE plane, have complained of pressure from managers to limit changes that might introduce extra time or cost. "Boeing was doing all kinds of things, everything you can imagine, to reduce cost, including moving work from Puget Sound, because we'd become very expensive here," said Rick Ludtke, a former Boeing flight controls engineer laid off in 2017. "All that's very understandable if you think of it from a business perspective. Slowly over time it appears that's eroded the ability for Puget Sound designers to design." Rabin, the former software engineer, recalled one manager saying at an all-hands meeting that Boeing didn't need senior engineers because its products were mature. "I was shocked that in a room full of a couple hundred mostly senior engineers we were being told that we weren't needed," said Rabin, who was laid off in 2015. Starting with the 787 Dreamliner, launched in 2004, it sought to increase profits by instead providing high-level specifications and then asking suppliers to design more parts themselves. The thinking was "they're the experts, you see, and they will take care of all of this stuff for us," said Frank McCormick, a former Boeing flight-controls software engineer who later worked as a consultant to regulators and manufacturers. "This was just nonsense." Boeing has also expanded a design center in Moscow. At a meeting with a chief 787 engineer in 2008, one staffer complained about sending drawings back to a team in Russia 18 times before they understood that the smoke detectors needed to be connected to the electrical system, said Cynthia Cole, a former Boeing engineer who headed the engineers' union from 2006 to 2010. U.S.-based avionics companies in particular moved aggressively, shifting more than 30% of their software engineering offshore versus 10% for European-based firms in recent years, said Hilderman, an avionics safety consultant with three decades of experience whose recent clients include most of the major Boeing suppliers. With a strong dollar, a big part of the attraction was price. Engineers in India made around $5 an hour; it's now $9 or $10, compared with $35 to $40 for those in the U.S. on an H1B visa, he said. But he'd tell clients the cheaper hourly wage equated to more like $80 because of the need for supervision, and he said his firm won back some business to fix mistakes. submitted by /u/COMPUTER1313 [link] [comments]

Dow futures surge more than 260 points after Trump and Xi agree to not impose more tariffs Posted: 30 Jun 2019 03:19 PM PDT https://www.cnbc.com/2019/06/30/dow-futures-surge-220-points-at-the-open-after-trump-and-xi-agree-to-not-impose-more-tariffs.html submitted by /u/leonx81 [link] [comments]

Next biggest Recession since 2008!? Posted: 01 Jul 2019 03:03 AM PDT In one of my lines of work I deal with a lot of wealthy investors; and it's extraordinary how many somewhat well informed people are "waiting for the next GFC". Of course, since hearing this some years back- I did some research and noticed many agree upon an almost 10 year cyclical pattern for a recession. Does anyone else agree with this, or maybe have their own opinion/facts to bring up? Genuinely interested to see everyone's thoughts on this. By the math, we should've hit a big one last year, however we're overdue. Personally, I like to gauge a range of views; even the conspiracy theorists. There is an accredited and well known investor who was interviewed and spoke a bit about this almost clandestine group of people who sit down and literally work out the next 10 years for the world. Mostly finance but all aspects. They'll decide whether to tank the economy here or there, where they will invade etc. Now I can't be bothered to find this clip but I'm certain some of you will have seen or heard this man, he definitely has or atleast seems to have the credentials to back it up. He believes their plan, off memory anyway, is to push back the recession until 2022/24 at the latest, and mentioned many reasons why. But I can see the method to it. Anyway, enough of the tin foil (although please do roll up a hat in the comments, would love to hear it), post away guys! submitted by /u/PsychiatricCliq [link] [comments]

Anyone with good experiences in social impact investments? Posted: 30 Jun 2019 07:17 AM PDT I'm actually not sure of the proper term (been getting mixed results online), but I mean personal/private investments that are meant to both be profitable while also generating some social good, like micro-financing for SMEs or something similar. I've seen some sites like investforgood.co.uk and heard of stories about being able to invest in farmers, but I haven't really met anyone who has tried it. Very keen on the idea but willing to be convinced either way, so hoping to hear about personal experiences! submitted by /u/sendhelpandthensome [link] [comments]

Long Term Market Expectations 2019 - 2023 Posted: 01 Jul 2019 02:22 AM PDT Thought I would share this forecast from my IB. https://docdro.id/5Sr12uB submitted by /u/CookhouseOfCanada [link] [comments]

fidelity visa rewards or amex charles schawab Posted: 30 Jun 2019 08:43 AM PDT Does anyone here use either of these two cards to redeem back into your brokerage accounts? Fidelity - visa rewards card - 2% back that can be redeemed into a fidelity brokerage account Schawab - Amex plat card - can redeem into schawab brokerage account. ​ Not sure which one to go with. Schwab looks like it might be the better deal as each point is redeemed at 1.25 cents. Points add up faster with amex cards if you use the right categories. The only drawback is the 550 annual fee with that card. submitted by /u/b90bbki [link] [comments]

Once in a while, I like to look at this image to (hopefully) give myself a reality check Posted: 01 Jul 2019 02:14 AM PDT http://i.imgur.com/CJLXNxO.png submitted by /u/elongated_smiley [link] [comments]

Is there an easy way to screen mutual funds with the highest returns for the last month or 30 day period? Posted: 30 Jun 2019 11:37 PM PDT Looking for a tool to screen the highest performing mutual funds for the last month that carry no load. I want to trade every month into the highest performers with a bit of a momentum trading strategy. submitted by /u/supertrucker39 [link] [comments]

How to evaluate no-profit companies like SHOP and NOW? Posted: 30 Jun 2019 11:05 PM PDT Lately I've been looking at Barchart's biggest momentum gains in the 1yr/3yr/5yr categories and seeing what looks interesting. https://finance.yahoo.com/quote/SHOP/financials?p=SHOP https://finance.yahoo.com/quote/NOW/ These two companies have had great performance price wise and relatively little downswing compared to what happened in the general market at the end of last year. How exactly does one attempt to make a value judgement on these stocks? I would imagine that at some point, the reality comes into play and the bull run on these prices ends as they approach the fair market value. Something like that happened to Square recently: https://finance.yahoo.com/quote/SQ?p=SQ It feels not unlike playing a ponzi scheme, knowing that it will fall out from under you at some point but hard to say when. That said, the trend of 50% YoY gains is potentially worth a gamble. That said, I have no idea what regular investors are using to determine what the "fair value" stopping point would be, since the normal P/E and discounted cash flow type methods don't really apply. Also, some kind of multiple on revenue or revenue growth rate measures doesn't seem to be relevant since Square has comparable ones to SHOP and NOW but unlike those ones, it did find a top. EDIT: to clarify, this is for mad money account. I'm following a momentum strategy for some picks like V recently, which had a very similar chart, but those had great earnings and growth behind the bull run. submitted by /u/vansterdam_city [link] [comments]

Q3/Q4 NAND production slowdown - long MU? Posted: 01 Jul 2019 03:10 AM PDT Toshiba and WD just lost a ton of NAND flash production for the next two quarters. I think this is likely to make memory prices go up, and give their competitors (e.g. MU) bigger market share /margins. Thoughts? submitted by /u/colecr [link] [comments]

At this point in time (1st July 2019), where do you think is more interesting to put your money into? Gold? Bitcoin? Posted: 01 Jul 2019 02:32 AM PDT Save cash so that when the market crashes one buys financial assets at a cheap price? Cryptocurrencies and metals because FIAT money is going to disappear and we will come back to the gold standard? Land? Tuna cans? submitted by /u/danni_darko [link] [comments]

SPHD - Invesco S&P 500® High Dividend Low Volatility ETF. Good or bad? Posted: 30 Jun 2019 03:43 PM PDT I've been looking at this stock for a bit and I can't think of a reason not to buy as much of it as I can if I'm going for safe, secure, and compounding stocks. I want to know if I'm wrong, or if it's not as safe or compounding as another stock submitted by /u/Comic_Smith [link] [comments]

Why would a share price decline despite great business growth? Posted: 01 Jul 2019 02:13 AM PDT I'm investing in a company at the moment that has been showing great growth, however the share price has been on a continual decline over the last two months. As far as news goes there is no obvious reason to want to sell. They are performing beyond expectations. What could this indicate? Am I likely just wrong and have invested in a lemon of a stock or is there a chance the stock price is being manipulated for a possible takeover? What are some other things to consider? I am holding on for another year so I'm not too worried short term. submitted by /u/0v3r9k [link] [comments]

A good time to invest in US Small Cap & BRIC ETF's? Posted: 01 Jul 2019 02:09 AM PDT Hey guys, I'm closely following the stock market since January 2018, because I'm waiting for a bigger correction. There was a great opportunity to buy in October 2018, but I missed it, because I hoped that the markets will go lower. For the last year and a half, it seems that the sentiment is more bearish than bullish (trade wars, Brexit, Italy, Germany almost fell in a recession, US student loan debts are on all time high,...), but the stock markets are holding up well, with S&P 500 even making new records. I'd like to invest a larger sum of money, but timing is a b*tch. :) What do you guys think, would it be wise to wait for the crash, or just invest the money and forget about everything? My only concern is that I'll invest at the top, then the crash will come, and I'll be in the red for 10 years, waiting to break even, while I could make a 100% return if I'd invest during a crash. What do you guys think? submitted by /u/blulemming [link] [comments]

What is the best 'change' you have made to your process/method to make your investing/trading more successful? Posted: 01 Jul 2019 01:49 AM PDT I'm curious to hear from people about a single change they have made to their process, which has had a huge impact on their results. ​ Did you subscribe to a specific news outlet? Read that one 'golden book'? Added an indicator, that now you could not live without? Started specialising in one sector or market? Or have you set your alarm clock an hour or two earlier? ​ I've been investing in my 'free time' for a couple of years now, but I'm looking to start doing this on a more full time basis. Perhaps that will be my 'best change'. submitted by /u/srgchris23 [link] [comments]

Where can I learn more about purchasing intellectual property shares? Posted: 30 Jun 2019 06:18 PM PDT I remember a user discussing ip shares a few months ago on this subreddit but I have been unable to find their post. Is Ip share investing a fairly common thing? I have difficulty finding what I am looking for in a Google search. submitted by /u/nondirtysocks [link] [comments]

Noob question about the actual workings of index mutual funds Posted: 30 Jun 2019 08:00 PM PDT if everyone that is currently invested in VTSAX sold half their stake in it, and then immediately purchased the equivalent index-tracking mutual fund at fidelity, would the price of VTSAX change? For the sake of argument, assume this is ceteris paribus--fidelity has an equivalent fund, the expense ratios are all exactly the same, etc, and the trade can be made instantaneously, submitted by /u/ctrl_alt_rip [link] [comments]

Are leveraged index funds similar to leveraged ETFs? Posted: 30 Jun 2019 06:02 AM PDT Do they also suffer the same decay as leveraged ETFs? They claimed to be rebalanced monthly whereas leveraged ETFs rebalances daily. Would that make the decay significantly less (30x)? submitted by /u/Olivia512 [link] [comments]

When calculating free cash flow to equity and when taking into account net debt issued, are you only taking into account long term debt or all debt issued through credit facilities, short term debt, etc.? Posted: 30 Jun 2019 03:32 PM PDT This is sort of a "does net really mean net" question I know. But I'll ask it anyways. ​ When calculating FCFE (I'm calculating it as CFFO-Capex+Net debt issued). Net debt issued meaning proceeds of debt minus repayments of debt. Are you supposed to take into account debt provided through a revolving credit facility, short term debt, long term debt and so on and so forth and just add them together as best you can and then subtract that from those debt repayments? Or is it only meant for long term debt that you do the net debt issued calculation from? submitted by /u/howtoreadspaghetti [link] [comments]

Noob question BRK-B Posted: 30 Jun 2019 10:40 PM PDT I am new to investing and I just turned 30. Dude to poor life choices I have over the last 12 months started a savings account and wanted to also invest in stocks. I did some digging around and came across Berkshire Hathaway class B and it's now at 213 bucks a share. Long story short, is this a stock that could eventually turn into the monster that the BRK -A is now? Or should I invest in the S&P 500 ETF? Again I know a lot of you are very advanced and I just want to put my money away for a brighter future years later. Thank you. submitted by /u/uuu330330 [link] [comments]

Buying multiple companies in the same industry Posted: 30 Jun 2019 07:46 AM PDT I have been researching a few industries that I would like to buy some stocks in. I have identified 2-3 of the strongest companies in that industry and I am curious if there is a big downside to buying all 3 companies? Is this generally a common thing to avoid? submitted by /u/skinkeepsmybloodin [link] [comments]

ABA Marketing - does anyone heard of them? They offer investing program called First with 25% yearly income. Have a gut that it’s a scum, but not sure. Need your opinions. Posted: 30 Jun 2019 10:27 PM PDT This company is registered in Saint Kitts and Nevis. So they have investing program called "First" and offering 25% of yearly income from Your investments. I don't know if they can be trusted, need your professional opinions, as I am new to investments. ABA Marketing Also have a question what would you recommend to start from as a newbie investor? submitted by /u/Adamant27 [link] [comments]

How are participating life insurance funds able to produce such consistent returns? Posted: 30 Jun 2019 02:05 PM PDT E.g. data here: https://topwholelife.com/whole-life-insurance-dividend-rate-history/ Even in 2008/2009, they all had roughly the same dividends as a few years prior. How are they able to do this? Are they just paying out dividends despite losing money? I'm looking for stocks or mutual funds that also produce consistent returns, but all of them dropped significantly in 2008/2009. submitted by /u/linksku [link] [comments]

How is fundrise? Posted: 30 Jun 2019 05:37 PM PDT Does anyone use fundrise (https://fundrise.com) and how is it different from REIT mutual funds in Fidelity? submitted by /u/cooper_bw [link] [comments]

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