Formal posting guidelines for political topics and what constitutes investment vs corporate news. **READ BEFORE COMMENTING IN THIS SUB PLEASE** Investing |
- Formal posting guidelines for political topics and what constitutes investment vs corporate news. **READ BEFORE COMMENTING IN THIS SUB PLEASE**
- Daily Advice Thread - All basic help or advice questions must be posted here.
- Dividend Stocks for the next decade
- Bad Sign: Goldman Sachs is saying the economy is nearly recession-proof
- Correct me if I am wrong, but I feel that sometimes looking at the fundamentals of a business can put you off a great investment.
- [OC][x-post r/dataisbeautiful] I charted my second full year of investing compared against various indices
- 5-year review: beating the index
- [Question] What happens if an ETF is "closed"?
- Taking too big of a risk? Winning a lot and losing a lot
- Looking for moderate mutual fund or stock to invest, instead of paying off mortgage, or VOO s&p 500
- The best stocks I've owned in 2019 that never let me down, ever.
- If you stop contributing to a mutual fund, do you still get hit with expense ratios even though there's no activity?
- What are your favorite Index funds?
- Hedge-Fund Purge Deepens as $3 Trillion Market Retrenches.
- [Article] The Pokemon card market crash of 2001
- After multiple bank failures, China is lowering its reserve requirement ratio. What's wrong with this picture?
- Margin Trading
- KMPH(KemPharm)
- Beginning Investing 19 year old !
- Question on selling off stocks
- Medical Marijuana after Federal Approval
- If you had 15k to invest right now how would go about investing to make money quickly?
- Buy percentages of ETFs?
- Question that I just can't seem to find anywhere.
- In which stocks to invest to take part in a rebounding Chinese stock market?
- Vegas Math: How Does a Lady Gaga Residency Make Money for MGM?
| Posted: 01 Sep 2019 12:31 PM PDT Alright everyone, it looks like we had pretty broad support in this thread when it comes to cracking down on the hyper partisanship that's been spilling out of the political subreddits to all corners of reddit. In this thread I'm going to lay out some formal guidelines for comments on political topics. Since this is so widespread I want to be clear here: this post is everyone's formal warning. That means temporary or in some cases permanent bans are being handed out for people who violate said guidelines immediately. This is really the only way to deal wit this issue. I'm going to try to get automod to sticky applicable threads with this post as well. First lets address politics I want to note something first: we are absolutely enforcing higher posting standards for political threads. I think it's entirely uncontroversial to point out that calling Warren Buffett an asshole doesn't nearly stir up the anger that calling any given political figure an asshole will. Comments like that being upvoted quickly derail threads and drive the discussion away from investing. So here's the simple guideline which I'll expand on: you're free to express your opinion so long as it's tied to investing, you put effort in to it, and it's civil. We're not here to stop the free flow of discussion or ideas but we are here to keep discussion surrounding investing and civil. Tied to investing: this should be pretty straightforward but I'm laying it out here anyway. Investing encompasses markets, economic impacts, corporate profits, shifts in the yield curve, the federal reserve, taxes, potential government spending that may impact your portfolio. Investing does not encompass immigration, personal lives of politicians, social issues, climate change(unless specifically within the context of impact to energy or similar), how you feel about a particular news organization's potential biases, etc. If it's not in the first list it's probably not investing related. Making comments pertaining to non investment related politics only serves to drive the conversation off course and create a thread that is indistinguishable from one in a political subreddit. Driving conversation off topic in high level comments by bringing up politics in unrelated threads also falls in this category. Effort: no shitposts. If you're not conveying a thought or analysis of a particular subject then it's probably best to not post. Furthermore top level comments like "fuck my portfolio" don't help keeping conversation on track. Lastly and most importantly anything that falls in to the political meme universe isn't going to fly here. That means if you're repeating something like TDS, MAGA, trade wars are good and easy to win, Pocahontas, orange man bad, any of the millions of nicknames for the president, very stable genius, any given childish spin on Democrat/republican(ex DemocRAT or Republitard), etc isn't tolerated. These sorts of things only serve to agitate those on the opposite end of the political spectrum and create partisan arguments. Your post should be something like "I disagree/agree with Trump here because [policy] will do XYZ which is good/bad for ABC and blah blah blah blah". If you are unable to express an investment related position on a topic without insults and memes then you probably should just go to a political subreddit and comment there. Special note here: conspiracy theories about politics and markets are not allowed. If you are going to imply criminal market manipulation or insider trading proof in the form of reporting or other documentation is necessary. This is not a place for baseless accusations derived from political leaning. Civility: so we already don't allow personal attacks here. Generally speaking many people identify so closely with political parties and politicians that they react to political attacks the same way they will to personal attacks. I get it, people get worked up over politics. Translating that emotion to a post here only serves to have people with opposing views get similarly worked up. This isn't an appropriate subreddit for that. We're here to discuss investing. So any comment that would violate our personal attacks rule if you made it towards another user is prohibited against political parties or figures. /r/investing is not a platform for people to express their outrage towards politicians or political parties. There are tons of subreddits for that sort of thing. So now that the guidelines are made clear, here's the consequences. In our observation the vast majority of people engaging in political attacks and low effort posts are not regular contributors. They tend to frequent political subreddits and engage in political attacks elsewhere. So we're automatically handing out 30 day bans for violation of the above rules. If you feel like your ban was in error or unfair you can appeal in modmail but we're not really inclined to reverse decisions if you aren't already a regular contributor. For egregious offenses the ban may be 60 days or permanent. For overt racism, death threats against any public figure, or similar there is an automatic permanent ban. Now Corporate vs Investment News /u/crasymike did an awesome job laying out the general guidelines here: https://www.reddit.com/r/investing/comments/b3ss3q/topics_being_removed_corporate_news_vs_investor/ I'm going to just copy some of the hard guidelines here so they're in the same place but take a look at that thread to see a full explanation. tl;dr Not all corporate news is investment news. If you post a topic the onus is on you to guide the discussion towards investing. If the moderators feel that a topic lacks relevance (which is more clearly defined below) then it might be removed. Off-topic top-level comments have similar standards applied to them. This means that the onus is on you as the person posting the topic to guide the discussion. As moderators all we can do is remove offending comments, but we can't incite relevant discussion in every topic. Tell us, why is this political news impactful? Seek out an article that discusses market impacts rather than a generic article. If you want to post corporate news then find an article that includes the impact on the investment. Copy that information into the body of your post. Include price history. Add other pertinent links or details for the corporate. If you include no relevant investing information then don't be surprised if the topic is completely derailed from discussing investing. If you are posting a topic you need to invite people to talk about investing by using an article, or including information, that is pertinent to investors. As moderators, we have a few policies that we use to guide ourselves. This is a broad rule that requires some interpretation, but here we go:
If the policies above would result in the modteam seemingly needing to remove nearly every top level comment in a thread, and we felt like your thread is "borderline" not investing news, then we will take this as confirmation that the topic wasn't investing news. If the entire conversation in a thread is already driven off topic by political attacks or off topic discussion we will lock and remove a thread no matter how topical it is. Please do your part and downvote/report political attacks even if you agree with them. This will prevent us from just nuking a thread [link] [comments]  |
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 02 Jan 2020 04:09 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]  |
| Dividend Stocks for the next decade Posted: 01 Jan 2020 11:27 AM PST I'm depositing $6,000 into my IRA this week. What 6 dividend stocks would you put $1000 into each to hold till 2030? Edit: Thank you for all the feedback. I will spend the next few days reading and researching before purchasing anything. [link] [comments]  |
| Bad Sign: Goldman Sachs is saying the economy is nearly recession-proof Posted: 02 Jan 2020 03:32 AM PST When fear is replaced by euphoria is when things start to go to shit. Don't look now, but Goldman Sachs is saying the economy is nearly recession-proof[link] [comments]  |
| Posted: 01 Jan 2020 10:34 AM PST I would love a healthy dose of responses to this statement. 10yrs ago (2010), I began selling old books on amazon and old DVD's on eBay. It wasn't consistent, I was making something like £50 a month. I had just turned 16 and I had a few friends who did this online sales thing with me. We used to do everything to keep our little business a secret from people because we knew that, these sites (amazon and eBay) were going to be very popular in the future and we wanted to keep the opportunity to ourselves. Looking back now, one can see that we were pretty much sold on both platforms and my much older self would have gladly invested in these companies based on our little success selling online. However, when I look at the historical balance sheets of these businesses, especially amazon , I realise that I would have hesitated to invest in the company because they had 0 earnings, PE ratio was ridiculously high etc. Today I wonder if that fundamental analysis can sometimes be a hinderance when it comes to picking obvious (amazon was a gold mine for anyone with spare stuff lying around) growth companies. I wonder if there was a very clever adult (retail investor without Bloomberg terminal and all that fancy stuff) who figured (10yrs ago) that the internet was going to be the future and aggressively bought shares in some of the trendy public companies back then (Fbook, amazon, eBay, Netflix) Any thoughts on this? Edit: Thank you all for the intelligent responses. I am reading and studying your answers for future investments. [link] [comments]  |
| Posted: 01 Jan 2020 11:24 PM PST Link to my performance chart
Find below the rationale behind choice of each index:
[link] [comments]  |
| 5-year review: beating the index Posted: 01 Jan 2020 01:10 PM PST Backstory: I started investing 15% of my salary about 10 years ago through my employer. My options were limited to Vanguard offerings at first, but since this was immediately after the downturn, pretty much everything did well. Nearly 5 years ago, my employer switched us all to TIAA-CREF. I opted for a brokerage account, which offered substantially more mutual funds to choose from. At the time, I did a lot of research before I decided where to park my money. I tended to focus on active large-cap growth funds, though I diversified a little. I tried to find funds with lower expense ratios, in general, as it was clear to me at the time that the higher ratio funds are rarely worth it. I invested in active funds that were very highly rated at the time and had performed well the previous five years. I've compared my choices with the appropriate Vanguard Index fund when possible. I've included the ticker and an abbreviated name, and then the 1-year, 3-year, and 5-year performance return. Here is a summary of how I did. Large-cap growth: Ticker 1-yr 3-yr 5-yr VIGAX (Van Growth Idx Adm) 21.64 18.45 12.29 GTLLX (Glenmede) 20.86 17.25 12.33 POGRX (PRIMECAP Odyssey) 8.47 15.28 11.63 FBGRX (Fid Blue Chip Growth) 21.29 21.27 13.74 TRBCX (TRP Blue Chip Growth) 16.45 21.00 14.43 NICSX (Nicholas Fund) 18.36 14.66 8.20 Summary: I comparison with VIGAX, I lost several thousand dollars from the NICSX and POGRX funds (where no funds were added). I lost a little on the GTLLX, which I was adding $125 a month. It beat the VIGAX for the 5-year, but lost in the 3-year and 1-year intervals where new money was being placed. I gained a few thousand in the FBGRX and TRBCX, where I had money parked for the entire 5 years. Overall, I think I lost out on several thousand dollars in comparison with VIGAX. Large-cap blend: VFIAX (Van 500 Idx Adm) 16.09 14.84 10.94 PARWX (Parn End Fund) 11.40 10.99 11.07 Summary: Definitely lost money. The shorter-term returns were not as good and I was adding $250 per month into PARWX. Mid-cap growth (MCG): VMGMX (Van MCG idx adm) 19.16 14.75 9.73 VMGRX (Van MCG) 17.28 15.29 9.09 PRDMX (TRP Div MCG) 23.43 17.87 12.44 Summary: I made a bit extra on this. VMGRX lost a bit to VMGMX over the 5 years (with no new money added). The PRDMX did quite well, and I was adding $200 per month to the account. Small-cap growth (SCG): VSGAX (Van SCG indx fund adm) 16.82 14.82 10.34 PRDSX (TRP M US SCG Eq.) 15.29 14.14 11.27 Summary: I lost a bit of money compared to VSGAX, as the shorter-term returns weren't as good and I was adding $200 per month to PRDSX. International (Inter) large-cap: VFWAX (Van. FTSEAW ex-US Idx Ad) 11.10 9.25 4.18 FMIJX (FMI International Fund) 9.62 6.56 6.16 Summary: Definitely lost some money. The VFWAX performed much-better in the near term, and I was adding $150 to FMIJX each month. International small/mid-cap: SWISX (Sch Inter Idx Fund) 12.27 9.65 4.34 OSMAX (Invsc Oppenheimer Inter SM) 13.54 15.69 11.76 VINEX (Van Inter Explrr Fnd Inv) 8.32 8.44 5.90 Summary: I made a little from VINEX (no new funds added over the 5-years). I did well with OSMAX. My only clear-cut victory. tl;dr Overall, my strategic investing didn't perform as well as the index funds. I'm sure this comes as no surprise to the experienced investors here. In response to waltwhitman83's request, TIAA calculates my overall performance as 16.9% for the past year, 15.8% for the past 3 years, and 10.7% for the past 5 years. Compared to VTSAX (a good index of the total market?) has returns of 15.34%, 14.20%, and 10.57%, respectively. Note that the VTSAX returns are from the TIAA compare mutual funds feature and are "Average Annual Returns as of 11/30/2019". [link] [comments]  |
| [Question] What happens if an ETF is "closed"? Posted: 02 Jan 2020 01:44 AM PST I have perhaps a dumb question, I tried googling but I couldn't find an answer (at least nothing I could understand with my limited knowledge on the topic). I am investing in a couple of ETFs. Is it possible that the fund managers suddenly decide one day that "Oh, we close that ETF, it doesn't exist anymore." ? If it's possible, what happens to my money then? Thanks. [link] [comments]  |
| Taking too big of a risk? Winning a lot and losing a lot Posted: 01 Jan 2020 08:47 AM PST Well end of 2019, I finally got all my gains/losses together. I am almost net zero for capital gains which sucks. Overall asset value is 675,000. I gained 159,000 and lost 142,000 .. total gain is ~17,000 off 675,000. I thought I beat the SP500 this year but after calculating the losses I am way behind it ... like a 2.5% return. Very disappointing , I thought I was a hot shot this year picking stocks but it turns out the risky investments I bought (such as NIO when it was a lot higher than it is now) and some weed stocks really hurt me in terms of losses. I think after this year I am going to just invest in ETFs as my stock picking skills really sets me up for almost net zero gains. [link] [comments]  |
| Looking for moderate mutual fund or stock to invest, instead of paying off mortgage, or VOO s&p 500 Posted: 01 Jan 2020 10:14 AM PST Hello, My wife(25) and I(28) have a 30 year loan 4.25% (second house) $192k balance Instead of paying extra to pay it off in 15 years, we think we could earn more investing. Do y'all have any suggestions of mutual funds that have brought back an average 5-6% returns? Or would the s&p 500 VOO stock be better buy? [link] [comments]  |
| The best stocks I've owned in 2019 that never let me down, ever. Posted: 01 Jan 2020 09:34 PM PST Have got to be Apple and NextEra Energy. What about you guys? I'm looking for non-volitile, highly profitable long term stocks.. i don't give too much of a crap about dividends. [link] [comments]  |
| Posted: 01 Jan 2020 06:29 PM PST I have a mutual fund with a HIGH expense ratio. I didn't do my research properly 7 years ago. I stopped contributing to this fund, and I'm wondering if a static fund continues to get deducted assets to feed the expense ratio. If a fund is static and not getting any additional contributions, doesn't the expense ratio just continue to eat away at my static fund... to the point I got nothing left? I have only 16K in this fund and the expense ratio is .99. I have not contributed anything to this fund for nearly 2 years. It is called the Homestead Small Company Stock. It had 5 stars on morning star 7 years ago, and since then it plummeted bad. Thoughts? Thanks. [link] [comments]  |
| What are your favorite Index funds? Posted: 02 Jan 2020 02:50 AM PST Hello, I'm a 15 year old noob investor that started investing in stocks last year. I own shares in TSLA, BZUN, ATVI, CRESY. I've heard it's hard to be successful at picking individual stocks especially if you're a beginner, so I want to start investing in Index funds as they are more "secure". So my question is: What are your favorite/best Index funds? Thanks in advance for any suggestions and happy new year! [link] [comments]  |
| Hedge-Fund Purge Deepens as $3 Trillion Market Retrenches. Posted: 01 Jan 2020 03:01 PM PST 2019 marks the 5th straight year of negative net openings - i.e. more hedge-funds closed than opened. It's the 2nd worst year of this streak: net openings were -149, vs -328 in the worst year, 2016. Overall, more than hedge-funds 4,000 died during this streak. The S&P 500 performed exceptionally well, delivering a 28% gain this year through November, while hedge-fund returns were poor, with the Bloomberg Equity Hedge Fund Index at only 10%. These are poor returns in an absolute sense, not just compared to S&P performance. In other words, even if S&P performance was average, these would be poor returns considering the high management fees charged by hedge-funds. January through November 2019 saw a total flow of $81.5 out of hedge-funds. The article contains a list of notable hedge-funds that shut down this year. You'll notice some pretty well-known names in that list, including a Citadel fund: [link] [comments]  |
| [Article] The Pokemon card market crash of 2001 Posted: 02 Jan 2020 01:11 AM PST Anyone remember that there was a bubble in Pokemon TGC cards? This is really an evergreen story of speculative bubbles. Best sentence from the article:
I found this article while looking up current valuations of some of my own vintage Pokemon cards. Funnily enough, now in 2020, the total market cap of used Pokemon cards has probably exceeded these 2001 highs, with some cards selling for tens of thousands of USD. I also found out that my personal portfolio of 1009 cards is worth about $500, with only one relatively rare Shining Gyarados card in it. At least the cards paid themselves back. [link] [comments]  |
| Posted: 02 Jan 2020 12:36 AM PST KEY POINTS Chinese markets led gains among major markets in Asia on Thursday. Japan's markets were closed on Thursday. The Markit/Caixin Purchasing Managers' Index (PMI) for manufacturing in the month of December came in 51.5, versus 51.8 in November. U.S. President Donald Trump said in a tweet on Tuesday that he will sign an anticipated "phase one" trade deal with China at the White House on Jan. 15. The People's Bank of China also announced Wednesday on its website that it was going to lower the reserve requirement ratio for banks by 50 basis points with effect from Jan. 6. [link] [comments]  |
| Posted: 01 Jan 2020 06:27 PM PST Can someone explain to me how margin works exactly in this scenario? Say I have 95k equity with all of it being tied up long equity stocks, 5K of cash and I want to short something, let's say stock "ABC". If I short ABC and I initiate a 5K position, how much would ABC have to rise before I get a margin call? This is how I interpret it and (maybe I'm wrong) but my equity to margin ratio in that case would be 95% equity to 5% margin. Assuming I'm with a broker that has a 30% equity requirement to continue holding a short position. So in theory wouldn't ABC have to rise an insane amount in order for that 5% margin position to risk being something that would result in a margin call (assuming the rest of the account remains stable)? [link] [comments]  |
| Posted: 02 Jan 2020 12:10 AM PST Anyone have any recent Information on this company with its upcoming drug KP415? [link] [comments]  |
| Beginning Investing 19 year old ! Posted: 01 Jan 2020 11:36 PM PST I never really thought about investing but recently I started doing a bit of research on it and I want to start but I honestly feel overwhelmed with it sometimes like there are so many different option of things to do. I downloaded the app robinhood and acorns lol I don't know if I sound silly but idk if that's a good place to start or where should I look to learn more usefully information about it [link] [comments]  |
| Question on selling off stocks Posted: 01 Jan 2020 07:45 PM PST I have about $20k invested in individual stocks on Robinhood (mainly amazon). I want to sell them off and invest in index funds (with Schwab) because of the volatility lately. Question: is there any downside to this tax-wise? I don't know anything about capital gains taxes so any insight would be helpful. What rate can I expect to pay? What's it dependent on? Thanks. [link] [comments]  |
| Medical Marijuana after Federal Approval Posted: 01 Jan 2020 11:22 PM PST Let's suppose I was convinced that as soon as Marijuana is legalized federally, there will be a huge push to get it FDA approved for medical and therapeutic purposes. Are there any companies that are currently trading that are poised to take advantage of this? I'd imagine that a lot of big pharma companies are currently interested in this, as well as smaller MJ focused ones, but I haven't been able to find any myself. Its possible a lot of this is already adjusted for in the market but since legalization itself may be a way off I figured there is still room for them to grow. [link] [comments]  |
| If you had 15k to invest right now how would go about investing to make money quickly? Posted: 01 Jan 2020 11:17 PM PST I am recently graduated from college, 22 years old and I currently flip cars for a "living". I still live with my parents, but I have about 15k saved up and around 12-3k after I pay off everything. I would like to see how long I can go without getting a "job" and just continue to let my money work for me. I make around 1500-3000 per car I flip but I can usually only afford to buy 2 cars at a time to flip and they usually take atleast a month to flip. I plan to pick up side jobs to supplement some income but I'm just wondering how I should put this 13ish thousand dollars to work to make me money faster. [link] [comments]  |
| Posted: 01 Jan 2020 11:11 PM PST Hi im new to investing and just opened a roth ira account. I want to buy VOO and was planning to put a payment for all 5500 now but its only letting me buy in whole number shares. is there a way to buy fractional shares of an ETF? should I be using another brokerage account? i heard robinhood might do this [link] [comments]  |
| Question that I just can't seem to find anywhere. Posted: 01 Jan 2020 11:10 PM PST Let's say I invest in a stock and the stock goes -100% or more. Would I still be able to hold on to those shares eventhough I lost more than 100% of my investment? That's ofcourse if I have enough capital in my account to cover a -100% loss or else I'd be margin called correct? [link] [comments]  |
| In which stocks to invest to take part in a rebounding Chinese stock market? Posted: 01 Jan 2020 11:07 PM PST Hi guys Last year, the Chinese market performed relatively weak. If this year won't be a weak one, I guess that Chinese markets will perform very well. I want to invest some of my portfolio into some more decent Chinese stocks. Of course, some stock like Ali Baba (BABA) comes to mind. Actually, I own Luckin Coffee (LK) already. Anybody else has a suggestion or ticket I could read into? [link] [comments]  |
| Vegas Math: How Does a Lady Gaga Residency Make Money for MGM? Posted: 01 Jan 2020 10:36 PM PST I was recently looking up Lady Gaga tickets, and I was surprised to see how expensive they were. However, I was even more surprised to see how much she alone is getting paid for the residency. Apparently, she is signed a two-year $100 MM deal for 74 shows: https://www.rollingstone.com/music/music-news/lady-gaga-plots-las-vegas-residency-199241/ Ticket sales have been pulling in $1.41 MM - $1.48 MM per show. Even if we use the top end of that number and multiply it by the total number of shows, you get a number barely above $100 MM 74 x $1.48 MM = $109.52 MM So, that's less than $10 MM to cover all the other costs of 74 shows (including the marketing for it and what not). Even considering that most guests who go to the show will stay in a hotel (which may not may not even be an MGM property) and spend other money here, I don't see how this could possibly be making much money on a net basis. And unless Lady Gaga has enough clout to pull in people who would not otherwise come to Vegas (and I'm too unaware of her current fan base to know if she does), people who go to this show and pay hundreds of dollars for tickets will likely just cut back on spending elsewhere on a Vegas trip. This just seems like an interesting business problem. I'm not sure how something like this could make money for MGM, but perhaps I'm missing a key element or two and I can be enlightened by some of you people here. I'm sure MGM would not spend this kind of cash if they didn't think it would make a good return, but I just don't see how these numbers could work in any meaningful way. Cheers! [link] [comments]  |
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