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.
- The stockmarket is now run by computers, algorithms and passive managers
- Stock Repurchase Calendar
- Trading indices futures
- Question: How can an 18 year old start investing?
- Stock Havens Cost More Than Ever, Right When Investors Need Them
- Index Fund or House
- Passive Investing 'Bubble' - Taking advantage
- Would you prefer to be told what stocks to pick? Or be taught how to choose for yourself?
- Moonshot investing
- Suggestion for Dividend summary tool
- Does anyone have the raymond james report for AAPL for this year?
- Rental income as a part of MAGI
- Investment strategy during volatile market
- Is Fidelity following in zero commission war?
- How do you properly subtract/account for inflation?
- Cost Basis Method for sale.
- Anyone set up their own self employed Roth 401k?
- Series 66/Series 7 Top Off
- I have 1m dollars to invest but I don't know if I should invest it through a bank wealth management team or DIY through Fidelity. I am a novice at investing..any advice is appreciated.
- I am interested in the idea of a “stock market” for commercial real estate.
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 05 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]  |
| The stockmarket is now run by computers, algorithms and passive managers Posted: 05 Oct 2019 01:18 PM PDT Unfortunately behind a paid wall but if you click through and hit ESC (on desktop) you can fully load it.
Basically the article argues that market investing can be compared to a skill like chess, where basic computers are better than history's best chessplayers, and computers don't bring emotion into their decisions. How does any human expect to outperform the market and/or computers given all this? [link] [comments]  |
| Posted: 05 Oct 2019 12:13 PM PDT Here's a calendar of stock buybacks of various companies with historical buybacks towards the end of the page. [link] [comments]  |
| Posted: 05 Oct 2019 09:28 PM PDT Anyone consistently trade/invest in futures? I haven't found anything particularly helpful online. I'm curious what your typical indicators for entry/exit are, how much technical vs fundamental is involved, and any general advice around investing/trading futures. [link] [comments]  |
| Question: How can an 18 year old start investing? Posted: 06 Oct 2019 02:50 AM PDT Hi, im currently in uni right now but trynna make a difference in life for the better. Ive been watching videos on youtube, reading books and scrolling through reddit but every time i read the them, it just gets even more confusing which hesitated me to start investing. Is there a simpler tip or guide? [link] [comments]  |
| Stock Havens Cost More Than Ever, Right When Investors Need Them Posted: 05 Oct 2019 08:05 PM PDT As the S&P 500 Index began October with its third week of losses, utilities ETFs took in $726 million, the most of any industry, data compiled by Bloomberg through Oct. 3 show. Investors had already piled into defensive funds in the three months ended September, with ETFs of real-estate and consumer-staples companies adding more than any other equity sectors, while those focused on avoiding volatile stocks saw record inflows. Such unrelenting headaches have sent valuation multiples to records for some safe havens. Take utilities stocks, which ended September trading near 22 times earnings, an all-time high. Real-estate companies are now at their priciest levels in at least three years, and valuations for consumer-staples stocks are scaling altitudes not seen since so-called volmageddon in February 2018. Real-estate and utilities stocks -- industries that are more immune to economic downturns -- are up more than 22% over the past 12 months, while the S&P 500 has risen less than 2%. [link] [comments]  |
| Posted: 06 Oct 2019 01:38 AM PDT Hey guys, I'm a little stuck right now in two minds about what to do with my saving my partner and I have saved $30,000 this year with the intention to buying a house late next year. But I've been listening and reading the different post and podcasts about saving, compounding interest and index fund [link] [comments]  |
| Passive Investing 'Bubble' - Taking advantage Posted: 05 Oct 2019 01:24 PM PDT I have been reading about the rise of passive investments causing a 'bubble' in the sense that too much capital is being poured into big companies that make up most EFT and index funds and causing their overvaluation. If I had to come up with a strategy to 'exploit this imbalance', would it involve - Buying cheaper/Small stocks that are currently undervalued because they are underowned, and waiting for their price to rise once market recgonise this imbalance? Or is there a better strategy? How could we exploit a dynamic where investors are overly interested in chasing indexes? What is the risk in such strategies? I am not very financially clever and very confused, and would appreciate all your thoughts. [link] [comments]  |
| Would you prefer to be told what stocks to pick? Or be taught how to choose for yourself? Posted: 05 Oct 2019 11:51 PM PDT If you had a choice between an expert choosing your stocks for you, and an expert teaching you how to be successful in choosing your own stocks, which would appeal to you the most? And why? To be clear this is not to try to sell or advertise anything I'm just really curious. [link] [comments]  |
| Posted: 05 Oct 2019 04:13 PM PDT Anyone have any data or know of comparing the performance of like investing 20k in an index fund or 20 individual speculative stocks (think Netflix, google at IPO and not penny stocks) valued at 1k each to see how your 20k would perform? If it outperforms would it make sense to just invest 1k in all IPOs? [link] [comments]  |
| Suggestion for Dividend summary tool Posted: 05 Oct 2019 11:25 PM PDT I was wondering if there is some type of tool/calculator or Excel sheet that call be used to keep track of dividend payments. Something which can tell me how much dividend I will be receiving on a monthly basis based on my current portfolio. A free tool would be ideal but I am open to paid options. [link] [comments]  |
| Does anyone have the raymond james report for AAPL for this year? Posted: 05 Oct 2019 11:05 PM PDT |
| Rental income as a part of MAGI Posted: 05 Oct 2019 04:59 PM PDT I bought two rental properties last year which will produce 48000 of rent this year. Will this stack on top of my personal income when calculating my MAGI? I make 100k before tax and I am worried I will make too much to qualify for a ROTH IRA contribution. [link] [comments]  |
| Investment strategy during volatile market Posted: 05 Oct 2019 01:03 PM PDT I'm 37 years old, but got a late start into investing and only started a 'real job' with a 401k about 3 years ago. I know you can't time the market, however I would like a way to protect whatever little recent gains in my portfolio and prepare for a worse outcome (eg. recession). Right now, my portfolio is quite aggressive, being 100% stock, due to me trying to make up for some lost time due to my late start in investing. I am going to leave that untouched. However, moving on, I am considering the following allocation for any future contributions to my Roth IRA and taxable accounts: 25% Cash, 25% intermediate treasury bonds fund (FUAMX), 25% gold (IAU) and 25% S&P 500 index (FNILX). Similarly, for my 401k and 457b I am considering future contributions as follows: 50% cash (money market fund), and 50% equity [S&P 500 index (VIIIX), mid cap index (MEFZX), and a REIT (CSRSX)]. The plan is to hold some cash in all accounts, to use to buy up more stocks on major dips, and rebalance again, as needed. I am trying to maintain my current positions so I don't lose too much of potential gains, but also diversify a bit into gold and bonds, and keep some cash on hand for good opportunities (a combination of time in the market and timing the market). I know this is not anything new and simply a way of rebalancing, but since I'm still kinda new, I would appreciate any feedback or comments on any pitfalls from this specific allocation and approach, given the current volatility. [link] [comments]  |
| Is Fidelity following in zero commission war? Posted: 05 Oct 2019 06:46 PM PDT |
| How do you properly subtract/account for inflation? Posted: 05 Oct 2019 01:15 PM PDT Let's say I have 1000 that grows at 7% over 30 years. After 30 years I have $7612. At 3% inflation, $2427 is worth what $1000 was at the start. Subtracting the two values gives $5184. Is $5184 the real growth in this scenario? Which would make the real growth rate 5.64%? Is this how the math is supposed to be done? Thanks. [link] [comments]  |
| Posted: 05 Oct 2019 05:02 PM PDT Hi. I'm looking to sell a significant long term holding for the first time, and I just realized I know nothing... Without getting too specific here are the details... This holding was purchased 20 years ago. Dividend and Caiptal gains have been reinvested Last December there was a 9% capital gains distribution reinvested which (i think) means that at least 9% is short term capital gains. I'm looking to sell about 80% of this investment to move elsewhere for diversification. Obviously, for a 20 year investment, this will have a significant impact on my 2019 taxes. My options are: Average Cost (ACST) My initial thoughts are that FIFO makes sense. That way everything I sell will be LongTerm gains, and what's left will be most recent. Am I off base? or does that make sense from a tax perspective? Income = around 40k so LT gains will be 15% (right) I do have some unrealized capital losses elsewhere that I could sell (but I would rather not) but it would only offset about (7% of the capital gains from this sale) Let me know if you need any more info. I wasn't sure what is necessary. [link] [comments]  |
| Anyone set up their own self employed Roth 401k? Posted: 05 Oct 2019 08:41 PM PDT I'm self employed. My business has an accountant that handles the business taxes, but I do my own taxes. I set up my own Roth a couple years ago and handle all of that. But it looks like I'll have a little extra this year I'd like to save. So I'm not sure if this is something I can set up, or if I'd need an accountant to help. My current account is with vanguard. So for anyone that's done it, is this as simple as calling Vanguard and filling out some paperwork, or should I just run it through my accountant and be resigned to paying them to set it up and possibly manage it? Thanks. [link] [comments]  |
| Posted: 05 Oct 2019 06:30 PM PDT I've read a lot of posts about materials to use for the 66, seems like most people have used STC with the Kaplan Qbank— I used STC for the 7 Top Off and felt extremely prepared. I also did a 3 day Kaplan online (live) review course- highly recommend. I was given KnopmanMarks access a couple days prior to the exam and watched their videos as well to solidify suitability and options... the person who gave me access works for KM and is encouraging me to get their material for the 66, however I've heard NO ONE talking about their material on here— can anyone give me insight on KnopmanMarks materials for the 66?! [link] [comments]  |
| Posted: 05 Oct 2019 08:31 AM PDT I have an emergency fund already set aside. I have been to a couple of meetings with different wealth management teams at Fidelity, TD, JPMorgan Chase, and PNC and all that they're offering are pretty similar and promising. I am also considering paying a low fee through a hybrid robo advisor through Fidelity. I am torn so just wondering if you guys have any insight? Edit: To answer your question, I am 25 yrs old. I have a full time job and earn around 50k a year. It's enough to pay my monthly bills + have a little bit of savings to set aside. I am contributing 7% to my 401(k), the max employer match is 5.5%. I am planning on buying a house within the next 5 yrs but I already set aside money for that. The 1m is specifically for investing. [link] [comments]  |
| I am interested in the idea of a “stock market” for commercial real estate. Posted: 05 Oct 2019 05:50 PM PDT I am interested in the idea of a "stock market" for commercial real estate. I see companies like www.earn.re and www.Harbor.com sprouting up but I don't understand the true pain point or who the exact customer is unless tons of people are experiencing what I'm mentioning below. The ability to invest in real estate projects with relatively little capital and receive quarterly dividends already exists today with sites like Fundrise, Crowdstreet, and PatchOfLand. The problem I've come across is not the denomination of capital that goes into deals, nor is it finding real estate projects to put capital into (although I'm always interested in higher returns) but rather the illiquidity that's comes with the asset class of real estate. What if I want to sell my "real estate shares" in a given project and want to put them somewhere else. There usually is the ability to sell my stock but not in the way I could sell a stock on the public stock market. It acts more in the way of owning stock in a startup. It's really hard to sell your shares and when you do, it's usually at a discount. From a few conversations I've heard that if the investment is going well, there's no real reason to sell. If it's not going well, why would you sell it? My theoretical answer is that you could ask the same question about the stock market but people still transact daily on the open markets. Am I the only one who thinks this might be useful? My understanding is that it's usually wealthier individuals who are investing in real estate and they don't have a real desire to be liquid - they plan on holding their investments for a several year or multi-decade time horizon. Is this accurate? What am I missing here? What is the value proposition for a real estate exchange or public market? Have you experienced the same problems I have? [link] [comments]  |
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