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.
- AdvoCare, endorsed by NFL quarterback Drew Brees, to pay $150 million to settle pyramid scheme charges
- During the 2008 recession, some people managed to pick out stocks/companies that they knew would do well and come out of the recession. How did people choose these?
- As factor investing becomes more prevalent, shouldn't factor premiums tend to disappear?
- Looking for recommended Alternative Energy stocks to invest
- How does American oil production continue to rise?
- Goldman Sachs says 'gold is a better hedge than oil' as Trump-Iran tensions heat up
- What are your opinions on investing in NASDAQ Top 100 ETF for 30 years?
- Why S&P 500 P/E ratio has been so high for so many years ?
- Low taxes when investing in Sweden (ISK)
- Why is dell technologies stockholders equity negative?
- Can broker take my money after policy breach like false personal information?
- Is it redundant to buy a single stock that is already in an ETF you hold?
- Pacific Drilling? (PACD) What am I missing?
- The buyers and sellers in fractional shares market
- Investors what criteria is in your stock picking checklist?
- My dad believes using technical analysis (90/38 day moving average) is a fool proof way of investing. How can I prove him wrong?
- Is this too much to pay for a fund?
- The "Super" dividend strategy
- Alternative to Bonds
- Good online finance modeling excel courses with VBA included
- What are the benefits of investing on your own vs investing in an S&P500 and is there a danger to the SP 500?
- TD Ameritrade can't open accounts in my country
- Resources for tax-efficient hedging strategies
- Self Directed Roth IRA Investing Strategy
- Emerging market bonds - How are they as an investment?
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 05 Jan 2020 04:12 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: 05 Jan 2020 03:19 PM PST My mom lost a lot of money on this, be careful out there gents. Do your due diligence on anyone, even old semi-famous quarterbacks. The elderly will gouge the elderly just as quick as one of your Cousins will. [link] [comments]  |
| Posted: 05 Jan 2020 08:27 AM PST Sorry I'm very new to this but what statistics of a company did people analyse to determine that they will do well and are there any specific examples of these? What specific data would they look for e.g projected capital deficiency etc but im very new to this so don't understand much. Is there anywhere online I can find out more about this? [link] [comments]  |
| As factor investing becomes more prevalent, shouldn't factor premiums tend to disappear? Posted: 05 Jan 2020 05:57 PM PST I apologize for my layman-level knowledge, but as I try to improve my current knowledge of investing I have had a hard time finding a convincing answer to this question. Quality sources on this topic would be highly appreciated. In general, I have an a priori affinity for the efficient-market hypothesis. I wouldn't say it is completely true (and I believe almost no one believes this), but it does seem like a generally good approximation. With that said, the existence of other factors that explain returns, such as size and value, clearly demonstrate that the market is not perfectly efficient. However, one would intuitively expect that, as these factors become public knowledge, their premiums should tend to zero, as for example the larger amount of people looking to buy value stocks would place upwards pressure on their prices until the premium is gone. Yet the literature, as far as I can tell, does not seem to indicate this happening, with many still believe that factor investing is a good strategy. I have a hard time understanding how this could be the case (or at least how come there doesn't seem to be more debate around this point). [link] [comments]  |
| Looking for recommended Alternative Energy stocks to invest Posted: 05 Jan 2020 10:58 PM PST Can someone please recommend any long term alternative energy stocks? [link] [comments]  |
| How does American oil production continue to rise? Posted: 05 Jan 2020 06:39 PM PST Almost every week on Oilprice the reports are of declining drill rig counts but also increasing oil production. Oil service companies are going out of business. There's a collapse in shale companies. Yet production stubbornly rises week after week. How is this possible? [link] [comments]  |
| Goldman Sachs says 'gold is a better hedge than oil' as Trump-Iran tensions heat up Posted: 06 Jan 2020 03:48 AM PST
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| What are your opinions on investing in NASDAQ Top 100 ETF for 30 years? Posted: 06 Jan 2020 03:16 AM PST Is such a long term investment decision wise I would probably be investing monthly hoping over 30 years the Compounding helps create wealth after 30 years Or should I rather go for 5 or 10 year ETFs instead? [link] [comments]  |
| Why S&P 500 P/E ratio has been so high for so many years ? Posted: 06 Jan 2020 02:59 AM PST Hi, I was wondering why S&P 500 P/E ratio has been so high for so many years ? https://www.multpl.com/s-p-500-pe-ratio Is it because of the Fed's QE since 2008 ? Other reasons ? Does it mean there's a bubble ? Thanks [link] [comments]  |
| Low taxes when investing in Sweden (ISK) Posted: 06 Jan 2020 02:54 AM PST Hello everyone! I live in Sweden and recently got more interested in personal finances, raising money passively and these kinds of things. As you can imagine, investing was one of the first things I came across and what interested me is the Swedish "ISK" which translates to "Investment Savings Account" and does pretty much what you'd expect. It's a tax-deductible form of investment account created by the government in 2011 with the purpose of making investing and filling related taxes easy, as the latter is done for you. What stood out is the tax rate of ISK, here's the formula for how much you'd pay: (account value every quarter + deposits that year) / 4 x government loan rate plus 1 % point (min. 1.25%) x 30% Example, using the loan rate set in 2018, so it would apply for 2019: - 1st quarter: $13000 - 2nd quarter: $20000 (2500 deposit) - 3rd quarter: $17300 (3000 deposit) - 4th quarter: $19600 (13000 + 20000 + 17300 + 19600 + 5500) / 4 x 1.51% x 30% = $85.40 in tax Quick notes: You pay taxes even if your account dropped in value, yep! You can withdraw anytime, tax-free. Untraded money is included in account value in quarterly calculations. The account itself is free, you just pay the typical fees/commissions. No tax additional tax on dividends and no capital gain tax when selling, but both increase account's value (for that year?). I'm new to the topic like I said, so I really just want to learn how that compares to other countries, i.e. the US and UK, or just all around Europe. Is ISK somewhat special and interesting? Are the numbers really that low or they just seem like it? [link] [comments]  |
| Why is dell technologies stockholders equity negative? Posted: 05 Jan 2020 11:05 PM PST When calculating Dell Technologies debt-to-equity ratio, I found that its total liabilities were extremely high 111,566 (in millions) and its shareholders equity was negative 942 (in millions), meaning it's debt-to-equity ratio equals -118.43. This is a huge difference from its 2018 debt to equity ratio which equaled 6.08. Could someone please explain what happened?!?!? [link] [comments]  |
| Can broker take my money after policy breach like false personal information? Posted: 06 Jan 2020 02:33 AM PST |
| Is it redundant to buy a single stock that is already in an ETF you hold? Posted: 05 Jan 2020 03:15 PM PST Hi sorry if this is a dumb question but I'm just wondering if it is redundant to buy, for example TD stock, when you already hold it in an index fund? I just thought maybe if you buy the single stock and it does well you make more gains? Would appreciate some clarification!! Still new to this thanks :) [link] [comments]  |
| Pacific Drilling? (PACD) What am I missing? Posted: 05 Jan 2020 03:15 PM PST Hey folks, Been a long time lurker and a novice, but actively learning, investor. I was practicing taking a look at basic fundamentals of companies and this company- Pacific Drilling (PACD) - came across as an advised "Buy", but after taking a look at them more in depth I've found some issues I was hoping to get some more experienced investors to look at as well. They are a small cap company with a market cap of 356.28M and Enterprise Value of 1.07B ...isn't that a rather major red flag? That means that their debt is outrageously higher than what the are valued at? That alone gave me pause. My second major concern was that their forward P/E ratio was -1.48. Isn't that a pretty giant catastrophic red flag as well? Wouldn't that translate into a perceived loss in value for the next 12 months? After looking further into their fundamentals they look like an absolutely rubbish choice, so i'm wondering if I'm missing anything? Is it just hype? I appreciate any advice, like I said, I'm learning and am actively seeking out knowledge from more experiences folks. Thank you for your time. [link] [comments]  |
| The buyers and sellers in fractional shares market Posted: 06 Jan 2020 01:03 AM PST I see that several brokers now offer "fractional shares." Of course, fractional shares have been around for a long time but this allows direct purchasing with new money (not solely reinvested dividends). Let's say that an investor wants to buy or sell a fraction of a share. Can the investor place a limit order for the fractional share? Further, let's say there are 5 brokers that offer fractional share trading (call them broker 1, broker 2, ...). If the investor that I mentioned in the previous paragraph has his/her account with broker 1, what other customers can be in a trade with investor? (Would it just be other broker 1 customers?) [link] [comments]  |
| Investors what criteria is in your stock picking checklist? Posted: 06 Jan 2020 12:13 AM PST |
| Posted: 05 Jan 2020 10:15 AM PST Today I had a heated discussion with my dad about investing. I am a firm believer of buy and hold investing of ETFs, after I read up on it a couple months ago. He used to do (very basic) technical analysis and read magazines about trading. He was quite successful with this strategy and naturally thinks this is the way to go. Today he told me that I will eventually lose a lot of money when the next crash happens and that I should follow a similar strategy as he did. I think that my strategy is superior and that he basically got lucky but I lack the arguments. Anyone has an idea on how I can convince him? [link] [comments]  |
| Is this too much to pay for a fund? Posted: 05 Jan 2020 11:52 PM PST Was doing a yearly portfolio revision, and decided to investigate the most expensive fund I own. The fund is Schroder Emerging Europe, it returned 25% since I've invested (The fund made 36% in 2019, 15% per year in the last 5 years). When buying that was my gamble -- double-digit returns in short term (about 3 years tops) due to a large exposure to Russia in the fund. The total costs and charges the year I'll buy and sell the fund are 3.65% (the other years are a bit less, as I don't have to pay the dealing and the FX charge, so total will be 2.53%). Are my calculations alright, and yes, it is an expensive fund at 3.65% but an ok gamble for a fund that is 2% of my overall portfolio? Or is it an insanity to pay this much for a fund? Detailed breakdown of the charges for Schroder Emerging Europe Fund charges [link] [comments]  |
| Posted: 05 Jan 2020 08:04 PM PST I have been working on an investing strategy to harness big dividend payouts with as little collateral as possible. At first, I tried a "buy/write strategy" focused on buying right before the ex div date and then letting my short call get exercised on the call expiration date. I was selling deep ITM calls as to protect from any drop in the underlying. In theory, this works great because you can collect the dividend and only put up a fraction of what it costs to buy 100 shares of the underlying, while also protecting against any realistic downside. I tried this multiple times with F, M, and many others, but my short calls were always exercised early, which meant that I missed out on the dividend. My next attempt was to sell calls that were ATM or slightly ITM to try and avoid getting exercised early. I tried this with CXW, but got slightly burnt because the stock went down more than the amount of the dividend and my short call didn't have a high enough Delta, therefore not covering the drop in the underlying. Does anyone have any advice on how to better implement this strategy of harnessing dividends while protecting from any downside. Not interested in a "buy and hold" as this ties up all my collateral and puts it at risk of decreasing. [link] [comments]  |
| Posted: 05 Jan 2020 12:53 PM PST Hey everyone, I've gone through pages and pages of posts and seen a lot of criticism against the Ray Dalio All-Weather Portfolio & it's high allocation to bonds, a lot of support for high equities portfolios. But if many are saying bonds are bad (particular when portfolios have 30-40% allocated to them) for today's low-interest-rate environment, then what is everyone's alternative to them to balance a market downturn? Think I'm having a mental block, I got into real estate business in 2006 when I was only 22, did very well and learned a lot, but I can't shake the notion that markets are way overpriced today. So I'm trying to be a little defensive now and ramp up equities in 1-3 years. I really see the faults in my view, I just needed to put it out here and see what the community has to say. This is what I'm trying to do using index funds and others. 40% Equities (VTI), 15% CASH, 12% TLT, 5% IEF, 15% Gold (physical & ETF), 8% Commodity, 5% speculative type (BitCoin, individual stocks). Cash is a little high for 2 reasons, one I have a small business with 20 employees, cash helps any shortfalls or unforeseen issues, two to be able to go more into equities on a downturn. Gold is high as well, I bought a good amount in 2007 and never rebalanced. [link] [comments]  |
| Good online finance modeling excel courses with VBA included Posted: 05 Jan 2020 09:04 AM PST I'm studying corporate finance and valuation and want to improve my skills in Excel for finance. I have a reasonable background on Excel and VBA but I lack of some practical application of this tool. Not working on this field yet. [link] [comments]  |
| Posted: 05 Jan 2020 10:22 PM PST 1) What is the main benefit to investing in personal stock choices vs the sp index? Is it mainly that someone thinks they can invest better/ have higher returns than SP500 can give them? Is it better to stick to SP 500 for your first few years? 2) How fool proof is SP500? I am looking at market trends and it seems like it averages off at around 8-10 % returns/annually when you look at both the years it went negative and positive? Some people believe in putting 90% into the SP but what about large emergencies? Seems like from 2009-2013 it took 4-5 years to recover. 3) How badly would SP be affected by a major company at the top of the list tanking? Say facebook went belly up in a few years? [link] [comments]  |
| TD Ameritrade can't open accounts in my country Posted: 05 Jan 2020 09:47 PM PST Hello! Today i tried to open an account in TD Ameritrade but they told me that they can't open an account in my country. I am not an US citizen, I'm from Bulgaria. I asked when they would be able to open my account and they answered:"At this time, we do not have a planned time frame to when new accounts may be available for residents of the country. ". I read that in the past it was possible to open accounts from Bulgaria. My question is if someone had the same problem and how did they fix it or how lond have you been waiting untill they were able to open an account from your country? [link] [comments]  |
| Resources for tax-efficient hedging strategies Posted: 05 Jan 2020 08:36 PM PST With talk of a looming recession, many investors will be tempted to close their appreciated positions to avoid drawdowns, but of course will be on the hook for capital gains taxes as a result. I've heard that instead of simply closing these long positions, there may be ways to hedge against market downturns using derivatives that may not incur as much taxable activity, while maintaining a similar level of value protection as liquidating a position. Does anyone know of any good resources to learn about these derivative strategies, with a focus on tax efficiency? [link] [comments]  |
| Self Directed Roth IRA Investing Strategy Posted: 05 Jan 2020 08:29 PM PST Hi All, All of this is based on ETF's. Not new to investing, but have learned a lot since I have started and am trying to understand strategies around buy and hold vs trading, and how to correctly spend cash on new shares. I had come across a strategy in a book that suggested doing the following: In the various sectors that you invest (Renewables, AI, S&P, DOW, etc) you buy the ETF that has the best 3 month gain, and every 3 to 6 months you would repeat the process. So it is a constant chase for the best performing ETF at the time. Now, I did that for Oct 2019-Present, and out of the 8 sectors I was in, 2 of them completely lost me money and I sold (-20% is my threshold). The other 6 that I kept, are all positive except for 1 holding, with ranges from 5%-15% gains. Also, probably completely separate, when you have cash on the sidelines waiting, how do you decide which holdings to buy more of? TLDR; should I chase the best 3 month gainers in various sectors? If not, how do I allocate free money to buy more shares of holdings without being biased? [link] [comments]  |
| Emerging market bonds - How are they as an investment? Posted: 05 Jan 2020 04:19 PM PST I'd love to be able to have more information to help determine if it would make sense to put some money into EM Bonds for diversification: -What are good resources to review long term historical trends in this space? -For folks who have invested in EM Bonds for a while - Have you found them to pull their weight as a diversifying aspect of your portfolio? Would you recommend the use of them to others? Thanks in advance for your knowledge and perspective! My situation: While reviewing SigFig's critique of my growth portfolio, I saw a recommendation which included picking up 3% on emerging market bonds. I'm open to more volatile investments, so long as they have a very strong likelihood of delivering healthy returns in the long haul- equity investments have tended to fit this model better from my POV. I have a baseline wariness of sovereign defaults as well as high management fees on overseas funds, and this is a less commonly discussed category, which gives me even more cause for wariness. I see Vanguard has a relatively low cost offering from a few years ago or so, but I had a devil of a time locating any good data to get a sense of long term performance and defaults of the market(e.g. more than just the last 10 years). A few years of returns during a boom is something, but doesn't give me much confidence as a representative picture of what I might anticipate in broad strokes. [link] [comments]  |
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