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.
- CNBC notes not investing more is the number 1 regret of 2019 investors. Maybe doomsday headline making and blank checks to bears had something to do with it.
- Is there any meaningful difference between brokers?
- How many people on this sub really think like business owners?
- Thinking about retirement, but I’m only 22
- How do I find opportunities for private investing?
- V and MA and their very high price/sales ratio
- ETrade vs Robinhood vs other brokerage for a beginner?
- Hedgefundie's Excellent Adventure (UK based)
- Learning to set stop losses - what do you think of this strategy?
- SO many retirement and tax advantaged accounts
- Testing out different Cannabis industry investing
- Selling startup, how to invest $1 mln?
- Online Brokers in the UK
- Monthly Dividends - Invest a little money in a lot of stocks or a lot in fewer?
- New Investor
- Draft Kings Reverse Merger Details
- What is a good investment now?
- Question about REITS and ETFS
- What are my best investment options?
- Need some directions for my Equity Valuation assignment
- Thematic Investment for next 3-5yrs.
- Study resources for beginners
- 6% CD, legit or too good to be true?
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 30 Dec 2019 04:16 AM PST 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]  |
| Posted: 29 Dec 2019 05:30 AM PST CNBC is always biting at the bit to post a new doomsday indicator or tell you why this or that bear says the market will crash in six months. Bears should be held accountable and given a healthy dose of skepticism, not the front page. Invest regularly and don't wait six months for the crash that may never happen. [link] [comments]  |
| Is there any meaningful difference between brokers? Posted: 29 Dec 2019 08:31 PM PST Since trading stocks and ETFs is commission free now, is there any major difference between brokers? The only major differences I can think of is that Fidelity pays more interest on cash sweep accounts, and Fidelity and Schwab both offer credit cards whereas the other brokers only offer checking accounts. I don't use my broker for reasearch...I have other means for that. Also, it seems that most brokers have highly rated mobile apps except TD Ameritrade's app seems to be lagging (I use android). Are there any other meaningful differences between brokers that should be pointed out? [link] [comments]  |
| How many people on this sub really think like business owners? Posted: 30 Dec 2019 03:32 AM PST For a subreddit that likes to quote Warren Buffet it sure seems like almost nobody actually thinks like a business man. Almost everyone on this sub is either mindlessly investing in the market, concerning themselves with macro headlines or talking about investment strategies. I can't remember last time I've seen a business breakdown on this sub. There is legitimately more useful business analysis on Wallstreetbets then on this sub. [link] [comments]  |
| Thinking about retirement, but I’m only 22 Posted: 29 Dec 2019 08:21 PM PST Hello all, So recently I have been thinking about retirement even though I am very far away from accomplishing that milestone in life. I just have some general questions that have popped into my mind and I don't think it really hurts to think about this since it can never be too early to start making a game plan for when I no longer work and will need some sort of income or savings? So right now I have a job lined up for after I graduate that has a 401k plan which I plan on utilizing, but I have also thought about what else I can do to start saving for my retirement. I have also planned on investing in the stock market which seems like a good move as well and is also where my question stems from. My base salary is going to be about 50k per year, is it reasonable to hopefully have around 1-2 mil invested in the stock market when I'm 60 with stocks that pay dividends and then I would presumably be receiving around 50k per year as income just from those dividends? During my working career I would invest in stocks that pay dividends and I've researched a few that are all around $50 per share and pay around a .5 dividend per share. (Internantional Paper Co., United Guardian inc., etc.) By doing this I would diversify my protfolio with stocks that are around the same price and distribute a similar dividend and then reinvest the dividends I receive back into the market to grow my portfolio and then by age 60 have enough invested to receive an annual dividend that will be my living income plus whatever I have in my 401k? [link] [comments]  |
| How do I find opportunities for private investing? Posted: 29 Dec 2019 06:30 PM PST Hello all, I read this sub regularly and am Appreciative of the common sense advice given here on a regular basis in regards to investing in stock market assets (mutual funds, stocks, bonds, etc). My wife and I are very fortunate in life to both have stable, enjoyable jobs that we both enjoy quite a bit. We're well invested in diversified accounts and have a savings rate of 60% and until recently, have been saving a large amount of cash for a down payment on a house ($50k now, will have $80k by May) After some discussions, my wife and I are uneasy on buying a house as we cannot say for sure that we won't be moving in the next three years. Turning a profit on a property in three years might be challenging and we're not ready to pull the trigger. This background info brings me to my main question. What resources are available to find out about private investing in local businesses or opportunities? How can I find out about these opportunities? I realize a trigger answer is to tell me to put my cash savings into $VOO but id like to explore other avenues while I have opportunities and possibly add some diversification to our money. I really have no idea about this side of investing, but I'd like to learn more and see if it fits what I'm looking for. Examples of private investing I've heard about:
For anyone involved with the above or more, I'd appreciate hearing your $0.02. [link] [comments]  |
| V and MA and their very high price/sales ratio Posted: 30 Dec 2019 03:13 AM PST So I know these are considered great stocks, and I personally own them. They're great businesses and their PE, while quite high, is not crazy especially considering their growth. But something that concerns me I'd the very high price/sales ratio. Around for both. It hovered around 5 up until 2011, then 10 around 2014. Now close to 20. Even AMZN is now around 5. This article shows the dangers of high PSR stocks, particularly MSFT and CSCO at a time when they were trading at very high PSRs: https://www.fool.com/how-to-invest/2014/06/28/beware-of-high-pricesales-ratio-stocks.aspx What do you think, does this high price /sales ratio concern you about investing? [link] [comments]  |
| ETrade vs Robinhood vs other brokerage for a beginner? Posted: 29 Dec 2019 08:15 PM PST |
| Hedgefundie's Excellent Adventure (UK based) Posted: 30 Dec 2019 02:02 AM PST After having read through Hedgefundie's excellent adventure ( https://www.bogleheads.org/forum/viewtopic.php?t=272007 ) which talks through the use of 3x leveraged ETF's as an investment strategy to grow faster than the standard index whilst also avoiding a total crush in a recession by using a 40/60 split of UPRO and TMF I thought I would look into how I could use this strategy in the UK. I thought I would have a look to see if this was feasible as a UK investor but as the ETF regulations have changed I can no longer find these ETF's on DeGiro, the closest I can find is 3TYL (although this uses 10 yr not 20) and 3USL. I am wondering if anyone in the UK/Europe has used this strategy and knows of a broker offering more similar ETF's to those mentioned in the forum post? Or if the ones I mentioned would be suitable anyway? [link] [comments]  |
| Learning to set stop losses - what do you think of this strategy? Posted: 29 Dec 2019 08:38 PM PST I always used a stop loss after I felt concerned a stock could tank (i.e. when I'm sitting watching it and freaking out), and I'd set it at a random number usually some 10-15% below the current price. My attitude being something like "if this keeps dropping that much, it's junk and I'm done with it!" After a lot of reading on different strategies (and recently losing a good position at a low dip), I've learned I can do MUCH better. I read one article suggesting setting it around a recent low, on the basis that if it drops past that, it's likely headed in another direction for longer. I was thinking of setting a stop limit at the 1 week low, with the limit 5-10% under that. My additional logic being that I should be able to protect profits from weeks up until the last. Of course alongside the above, where if it drops below last week, it probably has more time to go down. This should always protect some of my profits, so worst case, I can walk away from a trade a little better than break even. Will this allow enough room for volatility without triggering the stop too soon, generally speaking? Other thoughts? What do you think overall of it? [link] [comments]  |
| SO many retirement and tax advantaged accounts Posted: 29 Dec 2019 05:01 PM PST I'm a 22 year old guy starting his career and making about $70k before taxes as a financial analyst. I started a Roth IRA when I was 18 and have been depositing into it every month. I'm about to open up a 401k with my employer (they match 6%). In the future I would like to open a 529 for my children. I have been trading options for over two years and have made $15k each year and think I should open an IRA to get my profits tax advantaged. I would also like to invest in real estate in the future. What is the most optimal way I can utilize these tax advantaged accounts and my Roth IRA to stay under the maximum income limit and efficiently use my left over income to invest in real estate? I would GREATLY appreciate all of your advice, there are mixed opinions everywhere online [link] [comments]  |
| Testing out different Cannabis industry investing Posted: 29 Dec 2019 07:53 PM PST I did some research on a few different cannabis companies. CGC, TLRY, ACB, MJ and APHA. Its seems like most of the cannabis companies have had a tough 2019.. Recently a couple of the big guys have had some bad press like key executives leaving the company. I am going to try some small scale swing trading with buying about 58 shares of APHA using Robinhood. Just posting to see anyone else's thoughts on which to invest and maybe what sources you are using to stay up to date with these companies. [link] [comments]  |
| Selling startup, how to invest $1 mln? Posted: 30 Dec 2019 04:16 AM PST Hi everyone, Next month I'll sell my share in a company/startup I was working on for the last 3 years. I'm 32, and the project didn't become "next Facebook", so I'll cash out $1 mln next month and another $1 mln in the next 2 years. There's also stock of the company who is buying us involved, but I guess it's not relevant as I can't sell it for another 2 years. The deal will happen because I'm burnt out and need some kind of a break, just have no more willpower to trying to grow to it. The question is - what is the best way to invest this $1 mln? This is not the money that will let me chill for the rest of my life (not that I want to), so how do I invest them smartly? I understand there are a lot of related questions, so:
Greatly appreciate your advice! [link] [comments]  |
| Posted: 30 Dec 2019 04:05 AM PST Hi all, I'm based in the UK and I'm looking to start my investments with some saved money I will put aside every month. I was looking for some brokers, but the ones I know (Schwab, TD Ameritrade, Fidelity, Vanguard, etc.) are only available in the US? If yes, which ones are best here in the UK? I don't want to be the fool who pay commission fees when the other brokers basically decided to not charge any. Thank you! [link] [comments]  |
| Monthly Dividends - Invest a little money in a lot of stocks or a lot in fewer? Posted: 30 Dec 2019 03:02 AM PST 38 now, so I'm a late starter but still have some time to build. I'm currently looking to build a monthly dividend portfolio and am looking at 17 stocks comprised of REITS, BDCs, ETFs and funds. I'll be investing about 12k/yr (6k Roth, 6k+ taxable). Should I put money towards each of them, or should I select a few and focus on those? Not really interested in stock value growth, just dividend consistency and possible dividend growth. The ones I'm looking at are: EPR GOOD LTC O STAG MAIN GAIN HYT DIV EMHY KIO PSF HPI LAND GLAD PFLT SPHY [link] [comments]  |
| Posted: 30 Dec 2019 02:34 AM PST I'm pretty new to the investment world so I have a concern that someone brought up on a mother post. If you buy stock, let's say on Robinhood, and hold it for more then a year, you're going to pay high taxes on it after you sell and profit from it? I'm on my 20s and I want to hold on to my stocks in the long run so that they'll gain value, is this not correct ? [link] [comments]  |
| Draft Kings Reverse Merger Details Posted: 29 Dec 2019 09:14 AM PST I want to buy Draft Kings since as more and more state's legalize sports betting they're going to be huge. It looks like they're going public through a reverse merger with a SPAC next year called Diamond Eagle Acquisition Corp. I want to buy the stock to get in on the ground floor but it looks like there's three versions trading on the NASDAQ, (DEAC, DEACU, DEACW). Does anyone know which of these I need to purchase to get a piece of the new company when it forms next year, or have any details on SPAC stocks? [link] [comments]  |
| What is a good investment now? Posted: 29 Dec 2019 07:53 PM PST Stocks are high. Bonds are high. Where would you put your excessive cash into now? I bought some Hong Kong REITs recently but that's it for me. [link] [comments]  |
| Posted: 29 Dec 2019 07:49 PM PST I am looking for a list of each that pays out monthly rather than yearly. My google HD has failed me of finding a reputable source. [link] [comments]  |
| What are my best investment options? Posted: 29 Dec 2019 08:53 PM PST Hi, so totally new to investing. The only thing I have done before is I opened and IRA when I was 25 and have a 401k with my job. But I recently got divorced and now have some money from selling the house just sitting in a regualr savings account. I feel like I could be doing something better with it, but don't really know what my best option is. I would like it to stay fairly liquid in case I want to buy a house in the next year or 2, but I just moved to DC and don't play to make any big change like that right away. Currently I have about $30k after I used some to pay off student loans. I have considered cds since navy fed tends to have decent rates and I qualify to be a member. Since I would want this to be a shorter term investment I would be a bit risk averse. At the least I wouldn't want to put all my eggs in one high risk high return basket. Where is a good starting point in learning what might be best for me? [link] [comments]  |
| Need some directions for my Equity Valuation assignment Posted: 30 Dec 2019 12:10 AM PST Not sure if this is the right sub to ask this but I'm wondering if someone can point me at the right direction: -Which ratios I should look at? (PE, PEG, anything else?) -Which time frame for comparison? -How to assess the impact of QE on current level of equity valuation? Many thanks! *** below is the assignment (Bachelor level) *** Equity valuations in today's market are arguably too high. Many analysts assert that price-to-earnings ratios are so high as to constitute an irrational valuation "bubble" that is bound to burst and drag valuations down. Skeptics are especially wary of the valuations for high-tech and Internet companies. Proponents of the "new paradigm" argue that the unusually high price-to-earnings ratios associated with many high-tech and Internet companies are justified because modern business is fundamentally different. In fact, many believe these companies are still, on average, undervalued. They argue that these companies have invested great sums in intangible assets that will produce large future profits. Also, research and development costs are expensed. This means they reduce income each period and are not reported as assets on the balance sheet. Consequently, earnings appear lower than normal and this yields price-to-earnings ratios that appear unreasonably high. Required: Assess and critique the positions of both the skeptics and proponents of this new paradigm. [link] [comments]  |
| Thematic Investment for next 3-5yrs. Posted: 29 Dec 2019 08:22 PM PST Any ideas for individual investments in companies based on a sector or a thematic approach for the next 3-5 years. [link] [comments]  |
| Posted: 30 Dec 2019 12:06 AM PST Hey, I'm a college student and I have decided to learn investing during my free time. However, I have no knowledge in investing whatsoever. I'm really keen on learning it through reading as I'm an avid reader myself! Can anyone make a sequential list of books for beginners to learn on how to invest? The one that I've already known is 'A Random Walk Down Walk Street'. Thanks a lot! [link] [comments]  |
| 6% CD, legit or too good to be true? Posted: 30 Dec 2019 12:01 AM PST https://myloan.doctor/hcf-high-yield-cd-account There isn't much on the interweb about these folks, wondering if anyone actually put money into this? [link] [comments]  |
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