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    Wednesday, January 1, 2020

    Just an FYI about Acre Gold, they deleted my comments and blocked me, Stay far, far away Investing

    Just an FYI about Acre Gold, they deleted my comments and blocked me, Stay far, far away Investing


    Just an FYI about Acre Gold, they deleted my comments and blocked me, Stay far, far away

    Posted: 31 Dec 2019 07:22 PM PST

    Recently I started getting a lot of ads for a company called Acre gold. They are a subscription plan where you pay $50 a month until you hit the current price for 2.5g of gold. I asked what was the benefit of doing this considering at the time they advertised a 2.5g at $155 plus a one time membership fee and a $10 shipping per every order. If you know about gold, you already know this is ridiculous over priced. I question them about it to see if there was any added benefit and they could not answer. I just wanted to make people aware that if you just save the money yourself automatically, you would be much better off. Apparently they did not like that so they muted me and deleted my comments because they obviously know they are targeting people who are not aware. There business model is "A fool and their money are soon parted". Please stay away from them. Buy low and sell high my friends. P.S you can currently get 2.5g of gold from Monument Metals for 143.50 plus free shipping.

    submitted by /u/Absolutezero209
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    Trump says he will sign ‘phase one’ China trade deal on Jan. 15 at the White House

    Posted: 31 Dec 2019 06:23 AM PST

    I bought Disney stock for my children. How can I ensure it is in their names and more importantly, how can I ensure dividend checks are made out in their names and sent to our physical address?

    Posted: 31 Dec 2019 04:35 PM PST

    As the title says, I'm currently investing for my children because I want them to learn and understand money and investing from a young age.

    A long time ago I read here about a father that had purchased stock certificates in his children's names back when they still did that. And that he taught his kids about their ownership and showed them the dividend checks in their name. He spoke about how beneficial it had been and I love that!

    I know Disney no longer does the physical certificates, but still want to recreate this as closely as possible. I've already made investments into Disney with them in mind, can I transfer it to their names? Or do I need to buy it in their names to begin with.

    And the part that seems hardest, how can I get the dividend checks made out in their names?

    Thanks everyone!

    Edit: Thank you so much for my first Gold kind stranger!! I'm glad it was for something like this rather than something ridiculous

    Edit2:

    Thank you all very much for your input! Currently my plan is as follows:

    1. Go direct with https://disney.computershare.com/ and buy one share for each child as that is enough to get the checks sent and get a certificate as well.
    2. Next, create a UGMA/UTMA account with Vanguard (who I use for myself already) and fill it up with Disney (and other stock) for my kids. If I can transfer my current shares already purchased for the sake of my kids, I'll do that, otherwise I'll just buy new stock from now on in their custodial accounts.
    • However, before doing the above, I'm going to check if I can prove that they own the stock with Vanguard I can still get the "for show" certificate. I am not sure if this will also allow them to get any physical check sent to them from Disney (the whole reason for this is to get a check from Disney to my kids in their name). So if the checks don't work out, I'll just do the above.

    Extra info: My kids are less than 3. The reason I want the checks is because it is physical, tangible, and usable. It has their names on it and the Disney corporation/logo on it - addressed to them specifically. That is more powerful than a digital copy and is much more useful as a teaching tool for a young kid.

    As they grow, I am absolutely going to be taking advice from many of you about getting them their own brokerage accounts and showing them the ropes, etc.

    submitted by /u/videovillain
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    Is it common for average Janes and Joes in the US to own stock directly?

    Posted: 31 Dec 2019 05:21 AM PST

    If you ignore IRA, 401k and Roth IRA, how common would you say it is for an average American to buy stocks in their own name? I asked in a none investing sub and got the answers "not common at all", so I thought I'd ask this demographic too.

    Edit: Turns out the answer is 14%

    Edit 2: It now turns out 14% is not the case, that's just the amount of American who have a brokerage account. Most (?) use them for ETFs and mural funds hence don't fall into the answer to my question.

    submitted by /u/MrOaiki
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    2019 is in the books (US stock market has closed). What were your best investment decisions?

    Posted: 31 Dec 2019 01:01 PM PST

    What investment decisions paid off for you in 2019?

    DJIA: 28,535.93 +22.34%

    NASDAQ:8,972.60 +35.23%

    S&P500: $3,230.78 +28.88

    submitted by /u/Kornbread2000
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    The next Bitcoin like investment

    Posted: 01 Jan 2020 01:38 AM PST

    Looking for the next Bitcoin like investment for the next decade..could it be stocks related to gene editing/therapeutics, cannabis, ? Would like to hear from you guys..

    submitted by /u/pinton96
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    After its strongest year in a decade, Apple stock is historically expensive on a price-to-earnings basis

    Posted: 31 Dec 2019 11:15 AM PST

    Risk Adjusted Performance of The Common Robinhood Portfolio

    Posted: 31 Dec 2019 03:07 PM PST

    https://i.imgur.com/1t0OvhG.png

    Someone posted the nine most commonly held stocks in Robinhood portfolios recently and well to no one's surprise there's a lot of junk in there, but what do they say "anyone can make money in a bull market". I was curious to how they performed, so I created an equal-weight portfolio and backtested through 2019 to find out how it did on a risk adjusted basis compared to different sectors. And well, it's ugly.

    In short the virtual portfolio took on an additional 42% of market risk compared to a 100% SPY portfolio in 2019, and trailed in risk-adjusted returns returns by over 40%. Ouch.

    For anyone curious the 9 most popular for 2019 were: ACB, GE, F, FIT, MSFT, AAPL, GPRO, CRON, AMD

    https://money.usnews.com/investing/stock-market-news/slideshows/most-popular-stocks-on-robinhood?slide=11

    submitted by /u/moneyonfireapp
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    Is this right? (See bottom of image)

    Posted: 31 Dec 2019 09:42 PM PST

    Are bots supceptible to loss? What are the best trading bots you've seen on the market, paid and free?

    Posted: 01 Jan 2020 03:23 AM PST

    I'm from the UK, how can I invest in Chinese ETFs?

    Posted: 01 Jan 2020 02:56 AM PST

    Apps similar to M1 for US investors?

    Posted: 31 Dec 2019 10:46 PM PST

    I have to use a different app due to compliance policy :( I love how m1 has the % allocations and DRIP. Any other apps like m1 out there?

    submitted by /u/butthole_keyi_ma_
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    TipRanks?

    Posted: 01 Jan 2020 02:06 AM PST

    Anyone use these people? If so, was it worth it in your opinion?

    submitted by /u/Bukakkegrandma
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    Why did SMSI shares almost double in value, seemingly out of the blue around July 29th?

    Posted: 01 Jan 2020 01:55 AM PST

    Preface: I'm young and completely new to investing, so take it easy on me.

    What confuses me about Smith Micro Software: what are they producing? Their products page displays software that's archaic. That is, better solutions seemingly already exist. On Glassdoor, I see so many people complaining about how management sucks. So my question: why did their shares almost double in value around July 29th of 2019? How is this company making money?

    Am I completely missing something? My confusion is deepened by the fact that Investopedia recommended it as a penny stock to invest in for 2020.

    submitted by /u/SixCarbonSugar
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    Popular/well known stocks that are inexpensive?

    Posted: 31 Dec 2019 09:48 PM PST

    Can anyone recommend popular/well known stocks that are inexpensive (e.g. Ford)? I already have a 401k with a strong balance for my age as well as an IRA that I throw money into from time to time (100% SWYJX), but I opened a brokerage account to invest relatively small amounts until I gain experience. Schwab doesn't allow partial shares so ideally I'd like to find something I can invest in that isn't pricey (under $30). Any suggestions?

    submitted by /u/Jotipac
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    If Wealth Tax was to become a thing, which country will likely benefit the most from the inflow of assets?

    Posted: 31 Dec 2019 04:55 AM PST

    Discussion of Expected Future Returns in the Market (ETF + Index Funds)

    Posted: 01 Jan 2020 12:59 AM PST

    Hi,

    I have noticed many people seem to be recommending buying S&P index funds or ETFs en mass on this subreddit. The reasoning behind this seems to be that the stocks in indices such as the S&P and NASDAQ have historically returned (that I have seen quoted on this sub) anywhere from 6 – 10% per year. The rationale has been that stocks most of the time are at all-time highs and stocks only go up over the long-term therefore you are 'guaranteed' this return if you simply hold long enough.

    I have done some rudimentary calculations below using a compound interest formula to test these projections. I would like to get some discussion and thoughts about the results.

    Assumptions:

    Current level of the Dow (1/1/20) – 28,538.44

    Current level of S&P (1/1/20) – 3,230.78

    Current Level of Nasdaq (1/1/20) – 8,972.60

    Historical Growth Rates:

    For the Dow: Historical annual growth rate from 1921 – 2018 is 7.75% without adjusting for inflation or dividends.

    For the S&P: Historical annual growth rate of 7.96% from 1957 – 2018

    For the Nasdaq: Historical annual growth rate of 10.8% from 1972 - 2018

    Now, let's assume stocks in these indices can return on average a 7% p.a return (which includes reinvesting dividends) that many people are suggesting that is compound over the next 80 years (End Year: 2100).

    7% p.a on the Dow – 6,399,300

    7% p.a on the S&P – 724,452

    7% p.a on the NASDAQ – 2,011,965

    If we assume stable inflation rate of 2% p.a, the real return will be 5% p.a:

    5% p.a on the Dow – 1,414,406

    5% p.a on the S&P 500 – 160,122

    5% p.a on the Nasdaq – 444,695

    Even if you decide your time frame was only 30 years (End Year: 2050)

    7% p.a on the Dow – 217,242

    7% p.a on the S&P – 24,594

    7% p.a on the Nasdaq – 68,302

    Real Return after 2% inflation:

    5% p.a on the Dow – 123,341

    5% p.a on the S&P – 13,963

    5% p.a on the Nasdaq – 38,779

    My Question: Are these returns being promoted realistic (ie is a 24.5k or even a 14k S&P feasible)?

    Vanguard are projecting 6.6% p.a return in the over the next 30 years which is close to the 7% used in the calculations. But, how large would the market caps of the underlying companies in the index be required to achieve these levels?

    There are already huge companies such as Microsoft and Apple with $1.2 trillion+ valuations as well as Amazon and Alphabet with just under $1 trillion. These companies are already trading on multiples which price them to achieve significant growth in the future.

    To get to the projected levels would there need to be large numbers of $1 trillion + companies with the companies concentrated at the top with over $5 trillion valuations (or higher) taking up most of the index weighting (it is also very likely many companies today won't exist in 30 years / could be broken up)?

    I can't image where technology will be in 10 years, let alone 30 or 80 years into the future (maybe asteroid mining who knows), but surely there will be resource and capital constraints that would make these projections overly optimistic.

    Finally, even if the underlying S&P index were to double from the current levels how many more giant companies would there need to be / how much more market cap would the other stocks that aren't in the top 50 need to gain?

    I am using a basic compounding formula for these projections so feel free to correct me if I'm making some fundamental flaws or use your own projection

    Just wanted to people thoughts on this. I also have a portion of my own portfolio in passive investments, but these projected returns look VERY optimistic if you buy today and seem anything but a guaranteed and sure thing that many people are promoting on almost every advice thread in this sub.

    I understand that the point you buy at and whether you buy consistently (market tops + dips) and reinvest dividends will also affect your total return.

    This post only includes US indices but I would also be interested in hearing opinions about international markets

    Cheers

    submitted by /u/notawallstreetbetter
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    Trailing alert on Dow Jones

    Posted: 31 Dec 2019 10:13 PM PST

    Hi,

    Is there a website or platform that can do trailing alert instead of fixed price alert? Example the alerts will shift up according to the highest price within a year and alert will trigger if it falls 10% from the high.

    submitted by /u/Mightybeast7979
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    Starting off the new year

    Posted: 31 Dec 2019 09:52 PM PST

    Currently reading and doing my research on stocks and stuff, but I wanna start off this year right with some investments. What stocks have y'all invested in that y'all would suggest to me?

    18 Have 150 to invest Make 8.50 an hour No debt

    submitted by /u/ijustneedafreename
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    How do ETF managers vote?

    Posted: 31 Dec 2019 03:47 PM PST

    As a shareholder you get invited to the meetings and can vote proportional to number of shares you hold. What happens with large ETFs? Are they voting and can an ETF investor direct them how to vote?

    submitted by /u/ehdufuure
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    End of year 2019 - What was your best performing stock this year and what was your worst?

    Posted: 31 Dec 2019 09:25 PM PST

    MA: +56.91%

    ZUO: -22.31%

    submitted by /u/ChocolateTsar
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    Invest in growth of Chinese middle class

    Posted: 31 Dec 2019 08:30 PM PST

    Here is the scenario. Chinese wage growth has been around 10% per year the past decade, from 5200usd to 11500usd (2010 to 2018). This wage growth will lead to increased spending by Chinese consumers.

    We know China has focused primarily on investing on manufacturing capability, growing exports, however there is only so much the world will buy. The country will gradually move towards a more consumer society, growth will come from the service economy.

    My question here is what companies, investments, do you think are best to capture this theme?

    My current ideas are food related. Chinese are poor, they don't have enough money to purchase expensive foods like more meat. As a side note, we also have the swine flu wiping out the pig population, leading to increased demands for alternative meats or proteins (Chinese consumer tend to eat pork). The demand for cheese and dairy are starting to shoot up, 25% YOY. An investment on milk would be Fonterra, since they are largest milk exporter in world.

    I've also considered tourism, since a richer person would be more likely to fly. For example China is building capacity from 250 to 350 airports in next few years.

    My goal is to find about 5 or 6 companies that fit this narrative and buy equal parts. Preferably in different industries. My home has gone up by $100,000 so I'm going to take that out and into stocks, no point having it sit in equity and earning me nothing.

    submitted by /u/Rojamo2914
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