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.
- China Emerges With Wins From U.S. Trade Truce
- How exactly are brokerages making money with $0 commissions?
- Fidelity says it won’t pay for zero fees by selling your trade executions to the highest bidder
- Investors are flocking to money markets at the highest rate since the financial crisis
- Free Morningstar Analysis
- Sunrun stocks increasing 60% this year so far
- Stock alert sites
- Besides actually not owning the stocks themselves, what are the disadvantages of using CFDs?
- What are all the possible ways of share holders profiting?
- The more I learn, the less I know - any good resources for absolute noobs?
- Sunk Cost Fallacy
- High Yield, short term cd: 1 month at 6% APY - anyone heard of this?
- Potential Investing Cult my coworker pointed me towards
- importance of real estate in institutional portfolios
- AIIQ thoughts
- Any good investing platform for international investor ?
- Investing in US stocks as a non US resident
- How does foreign govt bonds price change with yield when they are US dollar denominated?
- What is the difference between USD denominated ETFs and USD hedged ones?
- Just finished reading Conover's The Art of Astute Investing
- Looking for a DCA infographic
- Initial margin and buying power
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 12 Oct 2019 05:09 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:
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! [link] [comments]  |
| China Emerges With Wins From U.S. Trade Truce Posted: 12 Oct 2019 05:23 PM PDT Oct. 12, 2019 4:34 pm ET China is emerging with wins in this week's trade talks, some analysts say, with the U.S. shelving new tariffs against Beijing while leaving many demands to be worked out later in return for an assurance of increased agriculture purchases. The two countries took an initial step Friday to cement a trade agreement that had been derailed for months. President Trump said the U.S. would call off planned tariff increases on Chinese goods next week while Beijing would buy $40 billion to $50 billion worth of American agricultural products—which China hasn't publicly confirmed. A bigger trade deal will come over time in three stages, according to Mr. Trump, with more divisive issues to be addressed later. These include Chinese practices that the U.S. alleges but Beijing denies, such as forced transfers of U.S. technology to its economic rival. Mr. Trump said that matter would largely be addressed in the second round of talks, while analysts think other issues like China's subsidies to state-owned firms would fall on the later side too. For now the truce opens an opportunity for Beijing to kick concessions that it doesn't want to make, down the road. Whether those hard issues ever get resolved is a question. "If you're China, you're pretty happy with the outcome," Arthur R. Kroeber, founder of Beijing-based consultancy Gavekal Dragonomics, said of the latest trade talks. "China's negotiation position has always been, the longer you can extend the talks the better." The Chinese side hasn't provided details of the negotiations, including that it will buy up to $50 billion of U.S. farm products, the level Trump's trade team says Beijing will reach yearly. If achieved annually, that would be substantially above levels near $21 billion that prevailed in 2017 before the trade war and then were subsequently reduced by China as tensions mounted. Mr. Trump touted the purchases in a tweet Saturday. "The deal I just made with China is, by far, the greatest and biggest deal ever made for our Great Patriot Farmers in the history of our Country," he said. "In fact, there is a question as to whether or not this much product can be produced? Our farmers will figure it out. Thank you China!" People with knowledge of China's strategy say Beijing officials still insist that agriculture purchases must align with the real needs of Chinese companies, including state-owned enterprises, and comply with World Trade Organization standards which limit market-distorting practices. Chinese negotiators have said China shouldn't be forced to divert purchases from other countries such as Brazil to meet the U.S. request. Beijing's position leaves open the possibility for disagreement between the two sides over the size and timing of Chinese purchases, and whether the $50 billion number is an aspiration or a firm target. China's state media and Ministry of Commerce made no comments on agricultural purchase commitments after the meetings. Beijing slowed down President Trump from imposing additional tariffs, though it failed to push U.S. negotiators to remove any tariffs already in place. U.S. officials had planned a tariff increase next week to 30% from 25% on $250 billion in Chinese goods. U.S. Trade Representative Robert Lighthizer said the U.S. hasn't made a decision on the planned December tariffs for $156 billion in Chinese goods. Beijing will likely argue hard for the U.S. to remove that round, too. President Trump said he and Chinese President Xi Jinping could meet and sign the first phase of a deal in mid-November, at the Asia-Pacific Economic Cooperation summit in Chile and it would be difficult to imagine the U.S. escalating tariffs thereafter if an agreement is reached. Beijing slowed down President Trump from imposing additional tariffs, though it failed to push U.S. negotiators to remove any tariffs already in place. PHOTO: STR/AGENCE FRANCE-PRESSE/GETTY IMAGES On another front, Mr. Trump played down democracy protests in Hong Kong, claiming it was drawing fewer protesters and that the problem would solve itself. This was another win for Beijing, which has been worried about Washington bringing in nontrade related issues into the talks, according to analysts. Some businesses are cheering the truce as good news, tired of a prolonged dispute weighing on the global economy and investment prospects. Beijing's strategy has evolved over the course of the dispute. China initially wanted to resolve matters quickly as tensions ratcheted up last year. Gathering gloom in the Chinese economy pushed Mr. Xi to the negotiating table. He met with Mr. Trump in Argentina last December, to call their first truce and set up high-level trade negotiations. The two sides looked to be closing their gaps but talks broke down in May when the U.S. side accused China of reneging on a 150-page draft agreement. As President Trump began laying on the tariffs, Beijing adopted a tit-for-tat strategy. Beijing eventually ran out of ammunition on more U.S. imports to hit. Officials switched strategies, according to people with knowledge of the matter. They began accepting that the dispute would be protracted and focused on not provoking President Trump further. In May, Washington put Chinese telecom firm Huawei Technologies Co. on its exports black list, and could expand its ban to other Chinese firms. It did so earlier this month, targeting 28 Chinese firms in video-surveillance and facial-recognition. The Wall Street Journal reported in September that Beijing sought to narrow the scope of trade discussions, aiming to put national security and other difficult issues on a separate track. In recent meetings with U.S. business representatives, Chinese chief trade negotiator and Vice Premier Liu He indicated that Beijing remains hopeful of an eventual trade deal with the U.S. but that it wouldn't be reached quickly, according to people with knowledge of the matter. Meantime, Mr. Trump's focus on the coming election could increase pressure on him to deliver news to lift markets. In the latest round of two-day trade talks, both sides focused on what they could harvest early. On the first day, Chinese officials focused on getting the U.S. to remove tariffs coming up as opposed to ones already in place, according to a person briefed on the matter. Beijing's plan now is to keep talking to Washington officials, while avoiding meeting all of their demands, according to Chinese officials. Chinese state media has been muted compared with President Trump's portrayal of the truce as a major step toward ending the trade war. Beijing hasn't reported that the U.S. will put off tariffs, instead saying the two sides made progress in a range of areas and were moving to solve the problem. "China's position of safeguarding the nation's core interests and the fundamental interests of its people cannot be shaken," said Communist Party mouthpiece People's Daily on Friday. "On issues of principle, it is impossible to engage and impossible to solve the problem by exerting pressure on the Chinese side." [link] [comments]  |
| How exactly are brokerages making money with $0 commissions? Posted: 12 Oct 2019 05:33 AM PDT This seems counterintuitive. Are they just better at analyzing trade data to where the data from each trade is more valuable than the commission? Are they doing some "product placement" and prioritizing the sale of certain securities? I'm wondering because I've been wanting to expand my investments after maxing out my retirement contributions through my employer, and I don't know if taking advantage of $0 commissions has some downside I'm not aware of. Note that I'm not interested in day trading or speculation, I'm trying to build up some passive income. [link] [comments]  |
| Fidelity says it won’t pay for zero fees by selling your trade executions to the highest bidder Posted: 12 Oct 2019 09:06 PM PDT If nothing else, interesting marketing on their part given all I've been hearing around reddit and other finance forums about the race to 0 commission fees would basically be subsided by trade order execution [link] [comments]  |
| Investors are flocking to money markets at the highest rate since the financial crisis Posted: 12 Oct 2019 07:59 PM PDT Money market funds have pulled in $322 billion over the past six months, the fastest pace since the financial crisis. The good news: Shortly after that gloomy period of 2008, investors had the buying opportunity of a lifetime. [link] [comments]  |
| Posted: 12 Oct 2019 01:32 PM PDT Many public libraries have a subscription to what is called the Morningstar Investment Research Center database. Most offer instant, online access via your library card number and PIN. You should look under the "Databases" or "Resources" section. [link] [comments]  |
| Sunrun stocks increasing 60% this year so far Posted: 12 Oct 2019 03:21 PM PDT so lately after California solar powers are being advertised more stocks have gone up any thoughts on how high the stock is going to be or if another solar panel company will take over or contest. "Shares of Sunrun are up about 63% so far this year." [link] [comments]  |
| Posted: 12 Oct 2019 10:07 PM PDT Are these sites scams? Do you pay to copy others swing trades? Let me know if you ever had experience with this. [link] [comments]  |
| Besides actually not owning the stocks themselves, what are the disadvantages of using CFDs? Posted: 13 Oct 2019 03:56 AM PDT I'm from the Philippines so my only option is pretty much eToro(Schwab requires $25,000 min deposit). Unfortunately, eToro offers CFDs. What are the risks and disadvantages of this if I'm not going to use leverage anyway? I'm pretty much just planning on holding long term. [link] [comments]  |
| What are all the possible ways of share holders profiting? Posted: 13 Oct 2019 03:52 AM PDT Speaking from the perspective of a founder of private company who wants to grow it. From what I know by far, there are Dividends, Selling the company to another, or IPOs. I wanted to know if there're any other ways of paying share holders apart from those? [link] [comments]  |
| The more I learn, the less I know - any good resources for absolute noobs? Posted: 12 Oct 2019 02:13 PM PDT Hi guys, Finance and investing is something I find fascinating, but it's always been an elusive topic for me. I've been far more 'studious' in my approach to learning everything lately, but really it seems the more I learn, the less I know and it's starting to get frustrating. To put it one way, I feel more comfortable with my 3 months of Russian study (as an English speaker) than I do with financial/investing terms. Other than Investopedia, do you guys have any really good resources for a complete newbie to get his feet wet? Could be sites, Youtube channels, podcasts, whatever. Thank you! [link] [comments]  |
| Posted: 12 Oct 2019 08:15 AM PDT According to Wikipedia (best source, I know), the sunk cost fallacy is: "In economics and business decision-making, a sunk cost (also known as retrospective cost) is a cost that has already been incurred and cannot be recovered." This is typically applied to buying a stock, having it drop, and then keeping it in hopes that it will go up. It is said that this is irrational, and an instance of the sunk cost fallacy, since the money is already lost. But I don't get this, since the definition clearly says, "costs that cannot be recovered," and with stocks the motivation for keeping losers is that the costs can be recovered since there is a chance that they can go up. So what am I missing here? Why is holding a losing stock an instance of this fallacy, if the stock can go up? Thanks for any help! [link] [comments]  |
| High Yield, short term cd: 1 month at 6% APY - anyone heard of this? Posted: 12 Oct 2019 04:03 PM PDT A company that is offering high yield CD's of 1 month duration that auto renews. They look like they are reselling 'high quality medical equipment/practicioner loans' Thoughts? What is the risk here? "The security of savings backed by FDIC insured deposits and insured up to $100MM by Lloyd's of London" "Loan Doctor maintains a cash reserve equivalent to the amount on deposit, therefore each account is 100% fully collateralized with cash/cash alternatives. Loan Doctor thus earns both interest on the cash reserves, as well as profit on the origination and resale activity, Unlike a bank which must account for defaults on the loans it issues, Loan Doctor's ability to immediately resell the loans ensures that it is not exposed to defaults. " It looks like the same company looks to connect lenders with health care workers looking to acquire practices. edit: I agree they don't look legit, they are born out of the dental healthcare lending industry. In fact as late cycle has been growing another company - Lendeavor - is originating a TON of dental loans, out competing BOA, wells fargo, td etc to make loans for acquisitions. But the above banks are competing aggressively to make these loans . [link] [comments]  |
| Potential Investing Cult my coworker pointed me towards Posted: 12 Oct 2019 01:50 PM PDT Yesterday, my coworker asked me about investing and how they should start. I pointed them towards some information they could review before making any decisions and said contributing to a Roth is a good idea. They asked me about "Indexed Accounts" (not index funds) and sent me a video that their mother showed them. Their mother claims to have amazing returns with this strategy and after watching the video. I'll link the video below (it's 50 minutes) and I'd love to find out what exactly is going on with it. I can't help but feel it's one big plot to rip off people who are uninformed about investing as he seems to twist logic at points. I could be absolutely wrong which is why I'm posting it here to get some answers, thanks everyone! edit: A lot of this doesn't need to be watched you can probably skip through most of it and find the eerie bits every so often. [link] [comments]  |
| importance of real estate in institutional portfolios Posted: 13 Oct 2019 12:05 AM PDT Hey institutional investor community, i need to investigate asset mixes that are more popular with emphasis on real estate 🏡 for my finance 💰course at uni. Could you answer these questions i would have? Asset mix: % equity, % bonds, % real estate etc. - How does the division between direct and indirect real estate look like? - Can you observe a trend in the % of real estate as a total? - Can you observe a trend in the % of direct versus indirect real estate? - Comment on this trend! - What would you recommend? If you have any table/graphs they would be equally appreciated. Let's also see if you agree with each other 🤔 [link] [comments]  |
| Posted: 12 Oct 2019 08:11 PM PDT |
| Any good investing platform for international investor ? Posted: 12 Oct 2019 07:28 AM PDT Hi guys . I'm starting to learn the investing world ,and up until now I only came across investing platforms ( apps ,websites ect..) that are mainly for US citizens . So my question is : do you know any company that provides investing opportunities for beginners & non US citizen ? (Hopefully something like Robinhood) [link] [comments]  |
| Investing in US stocks as a non US resident Posted: 12 Oct 2019 07:53 PM PDT Hi, I am a complete newbie investor and recently received a decent amount of money which I currently don't need so would like to invest it, my main interests and research has been based on US stocks and I want to invest in stocks like Tesla, Apple etc but realized I can't/is difficult too. Can someone please recommend a trusted website/broker where I can do this through? I am looking to invest between £10-15k and I want this to be long term so don't mind any one-off fees as I won't be actively investing. Thanks! [link] [comments]  |
| How does foreign govt bonds price change with yield when they are US dollar denominated? Posted: 12 Oct 2019 10:27 PM PDT Lets say I have a US dollar denominated govt bond from Mexico or Poland, and one of these countries decides to lower their short term interest rates. How does the price of US dollar denominated debt change compared to the govt bonds that are denominated in the local currency (pesos, etc)? We all know that decreasing market interest rate makes existing bonds increase in value. But is it the same here in this case? I like the emerging markets US denominated govt bond funds (EMB, VWOB) for the current yield and what I *think* is potentially big upside if the global interest rate environment goes towards zero/negative in any potential upcoming recession. But I do want to check my assumptions. We have all seen bond prices rise in the G7 as those countries push rates lower. Is it safe to say that these emerging market US denominated dollar bonds would benefit from a decreasing interest rate in that country in the same way as the local currency bond would? I'm looking to make a play with a small percentage of my assets, maybe 5-10% here. So this isn't a crazy big bet for me or anything. But I want to hear more of the bear case for DD. [link] [comments]  |
| What is the difference between USD denominated ETFs and USD hedged ones? Posted: 12 Oct 2019 02:32 PM PDT |
| Just finished reading Conover's The Art of Astute Investing Posted: 12 Oct 2019 06:05 PM PDT I wanted to know if anyone has read this book, and what are your opinions. I have a dated copy from 1998 (I do not know if there have been revisions) and I found it very complete, and will be using the templates provided, but I do not know what information should be updated. [link] [comments]  |
| Posted: 12 Oct 2019 07:30 PM PDT Hi, I remember seeing a post where someone was comparing 3 strategies inside an infographic. It was about 3 girls: one who invested at ATH, one who invested in all time lows and one who dollar cost averaged. Unfortunately my google-fu and search bar skills weren't strong enough. Does anyone remember them? [link] [comments]  |
| Initial margin and buying power Posted: 12 Oct 2019 01:13 PM PDT I just opened a margin account and am confused about how interactive brokers calculates initial margin. I keep reading that initial margin must equal 50% of the cost of the security you want to buy, but I shorted $3500 worth of stock and now my initial margin is 7193, which is 200% of the value of my short. What all goes in to calculating buying power and margin requirements? Do they work differently because of shorts? Because its clearly more complicated than 2:1 and the numbers seem totally random. Any help would be appreciated. [link] [comments]  |
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