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.
- What is the single most important/influential thing you have learned since striving to become financially literate, or gain financial freedom?
- If you bought a 20 year Treasury in Nov 1999 and held to maturity, you would have beat the S&P by 0.62%
- Single use plastic
- Can you make a living off of investing in S&P?
- Human vs Robo Investing?
- The Shock and Awe Era for Central Banks Is Over
- Psilocybin
- Gold and silver bars
- Is there ever a point where putting money in a State’s 529 college savings plan isn’t worth it?
- The role of preferred stocks
- Investment Strategy
- First time investing outside of 401(k)
- Need advice on how to get my parents finaces in order before they retire.
- Investors Bail on Stock Market Rally, Fleeing Funds at Record Pace
- Have any of you invested in warrants?
- I need help investing $200,000 from life insurance
- Why do Yahoo Finance list Total Revenue under Current Liabilities in their Balance Sheets?
- SPY vs other ETFs
- 22 and lost
- Selling before Dec 15
- Best books and blogs on how to invest in Pre-IPO/low-cap tech stocks.
- Does anyone have a simple or easier way to remember short and long strategies regarding derivatives?
- Company makes a sizable 401k contribution, questions about my contributions
- Need advice. How can I best capitalize on some info that I came across.
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 08 Dec 2019 04:11 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: 08 Dec 2019 05:10 PM PST I am new to this sub-Reddit and am finishing a BSBA in Economics next semester. Over the last few weeks I've learned more about financial independence and passive income through YouTube (Shout out to Graham Stephan and Ben Mallah) and books such as "Rich Dad Poor Dad", than in my last 5 years studying Econ in college. Being only at the start of my journey, the single most important thing that I have learned is that simply taking action where others are afraid to can be the first step towards financial freedom. For far too long I have continually fallen into the category of thought that making passive income and investing wisely is something that is not capable for someone like me (young / inexperienced / C student / no meaningful income). I believe this fallacy is all to true for most people my age. I believe that there is a misconception that investing favors those who are explicitly intelligent, when really it favors the bold and those unafraid to fail with purpose. Well I guess I started to rant a bit there, but what are your guy's thoughts on this and what is the single most important lesson that you have learned about becoming financially literate or obtaining financial freedom that you feel should be taught to the masses? [link] [comments]  |
| Posted: 08 Dec 2019 09:37 PM PST Treasury's reported yield curves for 1999 I'm completely shocked that holding a T-Bond to maturity beat the S&P over any period not starting when Volker hit the brakes. Risk adjusted the S&P is waaaaaay in the negative if you were to use the 20y as your risk free rate (IDK if that would make sense, but it might considering a "buy and hold" long term strategy). EDIT: Too lazy to do a backtest with reinvestment that matches duration, but Portolfio Visualizer has holding a portfolio of 100% "long term Treasuries" compounding at 7.3% since Dec 31, 1999 (but that's holding more 20y's right now). Given the spread between 10 and 20 year Treasuries over that time it's probably between 6% and 7%. [link] [comments]  |
| Posted: 08 Dec 2019 11:11 AM PST Looking for stocks/companies that offer alternatives to single use plastics the only one I know of is NEO plastics [link] [comments]  |
| Can you make a living off of investing in S&P? Posted: 08 Dec 2019 09:01 AM PST I'm having trouble understanding how someone can gain cash flow from stocks. If you have $250k and invest it into S&P that's great, now what? Your money will historically go up but when do you actually sell and cash out? How can you acquire passive income from this and make a living off of it? Or is the goal to just hold your money in the market, watch it grow, but never actually get to use it along the way [link] [comments]  |
| Posted: 08 Dec 2019 06:35 AM PST Currently using a national brokerage firm to manage a modest taxable portfolio. Not sure the fees (which currently are running about 1.8%) are worth it. I do not pay any commissions on top of the fee. If I moved this account to a robo advisor plan, it appears fees would be at about .25%. This is a significant difference. My sense is that my current account uses a significant amount of robo algorithms anyway and I only speak to my advisor a couple of times per year for updates (although he is available anytime). If both types of accounts are totally or to some degree managed digitally, would not overall performance be close? Contemplating the switch. [link] [comments]  |
| The Shock and Awe Era for Central Banks Is Over Posted: 08 Dec 2019 02:57 PM PST More than ten years of crisis fighting -- including this year's rush to support global growth -- have left policy makers in key economies facing a new decade with few good options to fight the next downturn. Interest rates are either already around historic lows or negative after more than 750 cuts since 2008, spurring concerns they are doing more harm than good. At the same time, leading central banks are buying bonds again -- so called quantitative easing -- after the purchase of more than $12 trillion of financial assets wasn't enough to revive inflation. [link] [comments]  |
| Posted: 08 Dec 2019 02:10 PM PST So there's a lot of talk of psilocybin becoming a new breakthrough for treating depression and other mental health issues. Does anyone know any companies I could invest in for this new treatment? [link] [comments]  |
| Posted: 08 Dec 2019 07:55 AM PST I've been looking into several threads and it always seems to go back and forth. When buying smaller bars 10oz, 5oz, 1oz, the bar comes in a plastic container (wrap?). Taking it out of the plastic makes it easier to store, but does it affect the value? The bars still have serial codes, and are from reputable companies such as PAMP. Several people say they feel better leaving it in the plastic, but do not justify why. [link] [comments]  |
| Is there ever a point where putting money in a State’s 529 college savings plan isn’t worth it? Posted: 09 Dec 2019 03:23 AM PST Other than instances where you could alternately invest that same money in something that will give you greater returns than the 529 plus tax savings, are 529s worth it? I was looking at setting some up for my kids, but I would imagine just putting that money in a mutual fund would be just as successful due to the relatively high costs built into them. Are the tax savings alone that impressive? Does anyone have any resources that explain alternatives, or at least a cost/benefit analysis? [link] [comments]  |
| Posted: 09 Dec 2019 02:50 AM PST Someone mentioned PFF yesterday and I did some light googling. With interest rates low and stock valuations high, has anyone moved to preferred stocks? Somewhat related, but I'm looking for an investment idea for my wife for her first retirement account. I think she would be more motivated by seeing monthly dividends (something "tangible") than instead of being frightened by volatility. [link] [comments]  |
| Posted: 08 Dec 2019 06:21 PM PST So I have some stock from my company that I started buying thru ESPP many years ago. The original purchase price per share was around $40. I have 300 of those. Since then, the stock has appreciated to $300. By the way the company is doing, I think it's gonna appreciate more. I want to sell some of it BUT when the time comes, I don't like the idea of paying HUGE capital gains tax. What are my options? Is it a good idea to sell the $40 lot and buy some $300 lots? I see it in SEC filings from the leadership doing the same thing. [link] [comments]  |
| First time investing outside of 401(k) Posted: 08 Dec 2019 10:33 AM PST I currently max out my 401(k) and have a good emergency funds set aside. I dint have any debt outside of my mortgage, so I'm looking to start investing. I'm not looking to day trade, just open an account somewhere and take on some mutual funds (not individual stocks). Any pointers on where I should open an account and individual funds to invest in? I'll be looking to make additional investments each paycheck, just thought that is important to note for trading fees. Thanks everyone! [link] [comments]  |
| Need advice on how to get my parents finaces in order before they retire. Posted: 08 Dec 2019 05:58 PM PST Both my parents are planning on retiring within the next 3 to 5 years. They both have 401k with my father having about 75k and my mom about 65k. My dad for the last 2 years has finally run into good luck and been making very good money with the construction business he started and in the last 2 years has been able to save up 75k which is in a money market account that he has in the bank. The house should be payed off by the time they're done working and have no car payments anymore since they are all owned and arnt planning on buying any more. I'm also planning on staying in the house and paying off anything else that's left and taking care of stuff here once they're done. They're plan is to move back to their country in South America and to buy an apartment. The apartment costs about 70k and is a nice modern apartment in a nice quiet part of the city. My main question is where should they go to get help with financial planning and putting the money they have into some kind of safe account where they can live off the interest. I know they're things as financial adviser but I dont know how to tell if they're good. They also want me to be in charge of their finances which I'm fine with since they don't know much about this kind of stuff and I'd rather they not worry once they're done with work. How would I go about starting any of this? [link] [comments]  |
| Investors Bail on Stock Market Rally, Fleeing Funds at Record Pace Posted: 08 Dec 2019 02:11 PM PST
[link] [comments]  |
| Have any of you invested in warrants? Posted: 08 Dec 2019 10:07 AM PST Not talking about options. where did you buy them - which brokerage? Where can one learn more about them. [link] [comments]  |
| I need help investing $200,000 from life insurance Posted: 08 Dec 2019 03:02 PM PST I recently received $200,000 from a life insurance policy. I am a late twenties professional who is not looking to add any additional stress to my life, so I won't be making any huge changes or purchases like starting my own business or looking to buy myself property with the money. I already had about $100,000 saved in diversified equities that were about 60/40 retirement/brokerage, plus $25,000 in cash. I already dollar cost average equity purchases every month of about $600 from my salary into my brokerage plus an additional 15% of my salary. I know I am saving plenty for retirement as well as building a liquid brokerage portfolio, so I am not looking to put this new 200K at any sort of risk level close to those. Right now I have it in 1.7% MARCUS savings account but I feel like there has to be a better option. I guess I could do a 2 year CD but don't want to make a decision until I am 100% sure that I cannot get better than a 2.0-2.75% return with barely any risk. The REITS I have looked at also have also been too volatile for my liking. I was thinking my best option might be a bond fund like Vanguard US Bond Market Index, but I am having trouble convincing myself that the investment is actually as safe as the past Beta says it is. Do you guys think this might be my best bet for now? Any better suggestions? [link] [comments]  |
| Why do Yahoo Finance list Total Revenue under Current Liabilities in their Balance Sheets? Posted: 09 Dec 2019 03:20 AM PST I don't know if I'm wrong, or if I am used to another term to define it. But it doesn't make sense to me why Total Revenue would be listed under current liabilities. So is there a reason it's listed here? [link] [comments]  |
| Posted: 08 Dec 2019 07:17 PM PST Hi, I am new to stock market but I understood that ETF investment is better than individual stocks for a passive long term investor like me. I would like to know more about 2 things: 1. why SPY and other similar ETFs are highly recommended when other ETFs like XLK, FTEC etc perform much better than SPY? 2. I have high risk tolerance on a portion of my current investment, so is it a good idea to choose few companies that I trust in terms of growth like AMZN, APPLE, ROKU etc and buy shares for those companies in addition to ETFs expecting high growth in long term? I did something similar but with few more companies but the YTD return is not higher than SPY. I know some ETFs already have holdings on my interests but I am thinking about doubling down if necessary. [link] [comments]  |
| Posted: 09 Dec 2019 02:29 AM PST I am 22 years old and happily married onto buying my first house . Everything is going great but the thing that I am stuck on is gambling . Some may say it's bullshit all the odds are against you and I hear it, I hear all of that. But in my mind somewhere in my life it has been formed the only way to make an immense amount of income is with that. My wife and I have been in fights about it and I want to change it . Her grandfather has been heavily successful in stocks, he had a business back in the 60's that took off, he then sold it off and dumped most of his money into investing, stocks what ever it was at the time and it worked very well for him. But now talking to him he just says 'give your money to someone (a bank, investment company) and let them make it for you. I feel that I can focus all my energy from wanting to gamble and turn into possibly following the stock market or learning how to invest my money or just doing something better and more legitimate then what I am doing now with my money. I know it is a big deal to get involved in doing this and it is something I want to take the time to do and learn. I am turning here because a few friends have learned a lot from reddit and I'm hoping to do the same . Anything is welcome for a comment or an idea or a pep talk whatever it is . Thanks [link] [comments]  |
| Posted: 08 Dec 2019 11:21 AM PST I'm relatively new to investing, but does it make sense to sell US / Chinese stocks before tariff day because maybe they will go down? I guess it is clear that the outcome will have some kind of impact, but how likely is it that the stocks go down significantly? Thanks for your answers [link] [comments]  |
| Best books and blogs on how to invest in Pre-IPO/low-cap tech stocks. Posted: 09 Dec 2019 01:49 AM PST After reading the intelligent investor, I now understand the strategy when it comes to investing in "value" stocks. Look at P/E ratio etc etc But what if I want to put a portion of my money in growth stocks. Specifically low-cap tech stocks (or Pre-IPO when I make it to Acc Investor status one day). A lot of these companies are unprofitable and they have a while before they have good P/E ratios so it's hard to pin down financial ratios or indicators that will allow us to tell apart good from bad companies. However they have a high potential for insane growth if you can pick the right one. For example if I bought a couple hundred SFDC shares when it first IPO'd I'd be swimming in it rn. What books or reading materials should I look at if I want to explore this approach? PS: I understand growth and value stocks aren't necessarily different things, but let's just keep them separate for the sake of this post. [link] [comments]  |
| Does anyone have a simple or easier way to remember short and long strategies regarding derivatives? Posted: 08 Dec 2019 09:55 PM PST |
| Company makes a sizable 401k contribution, questions about my contributions Posted: 08 Dec 2019 03:06 PM PST My employer contributes what comes out to be approx 15% of my salary yearly, with no requirements on my end. It's a great problem to have but I am a little unsure the best approach for my own contributions. This is through fidelity, and I am currently doing additional contributions into some of their funds with very low fees. However, they also have a Roth contribution option. The only caveat is it gets allocated in the exact same ratio as the pre-tax contributions. I also notice that selecting the Roth option here counts against the $19k limit. I've always liked the approach of meeting employer match, then maxing a roth, then returning to the 401k. Does it make any sense to do any roth contribution within my employer program? Or would it be better to max a separate vanguard Roth IRA and then put the rest into the employer program? [link] [comments]  |
| Need advice. How can I best capitalize on some info that I came across. Posted: 08 Dec 2019 02:34 PM PST I found out that one of the companies who's stock I track has been targeted by a massive ransomware attack. This hasn't been confirmed by an official statement from the company, but as far as I know it is openly being discussed outside of the company, by people within the same industry. The stock for the company is currently sitting pretty close to an all-time-high, but I suspect that once this info is officially confirmed, the stock price will take a big hit. My information came from a friend who used to be an employee of the company. He said that everyone is talking about it at his current job (it's within the same industry). Would it be legal to use this info to inform my trade decisions? And if yes, what's the best way to capitalize on this information. Short the stock? [link] [comments]  |
| You are subscribed to email updates from Lose money with friends!. To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States | |
No comments:
Post a Comment