Daily Advice Thread - All basic help or advice questions must be posted here. Investing

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• Daily Advice Thread - All basic help or advice questions must be posted here.
• Buffett can buy up to 25% of Bank of America after having been given permission by a banking regulator.
• [WSJ] Sources: Microsoft, which was in advanced talks to buy the US operations of TikTok, has paused negotiations after Trump said on Friday that he opposes the deal — Talks aren't believed to be dead, but the companies are trying to get clarity on White House's stance
• Instagram confirms its TikTok rival, Reels, will launch in the US in early August
• Disney stock?
• Historical S&P Index returns during US election years.
• Dividend growth investing for young people
• Fidelity Digital Investments: Bitcoin As an Aspirational Store of Value System
• Is Amazon grooming/testing Kohl's for a potential buyout by allowing their returns to be processed their?
• I am an investor and I live on a passive income. Ask questions
• TransparentBusiness Pre-IPO Stock. Is it Legit and a worthwhile investment?
• New to Investing & loving it. Any advice would be appreciated. Also if there are any resources (books, youtube channels etc to help me educate myself on investing? (As always appreciate replied/advice)
• Moving 403b From FranklinTempleton to Security Benefit
• Trying to understand Domino’s financial statements (2018)
• Long term investing strategy, input appreciated
• Portfolio Tracker + Rebalance Spreadsheet
• Does annualised returns account for dividend reinvestment tax?
• Possibility of Berkshire Hathway (BRK) acquiring Arm from Softbank
• NKLA partner
• Ares. God of War.
• Best way to get to the front of the line re Breaking News
• Scalp Strategy - Need Opinions
• When to cut losses? (GE / UA)
• Having Multiple Taxable Brokerage Accounts
• Currency hedging for non-Americans

Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 01 Aug 2020 05:12 AM PDT 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: How old are you? Are you employed/making income? How much? What are your objectives with this money? (buy a house? Retirement savings?) What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) What are you current holdings? (Do you already have exposure to specific funds and sectors?) Any other assets? House paid off? Cars? Expensive significant other? What is your time horizon? Do you need this money next month? Next 20yrs? Any big debts? Any other relevant financial information will be useful to give you a proper answer. 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! submitted by /u/AutoModerator [link] [comments]

Buffett can buy up to 25% of Bank of America after having been given permission by a banking regulator. Posted: 01 Aug 2020 07:47 AM PDT https://www.barrons.com/articles/warren-buffetts-berkshire-can-acquire-nearly-a-25-of-bank-of-america-51596231422?mod=hp_DAY_4 ​ So he's definitely going to buy 25% of Bank of America is what I just gathered from this. He can get away with not being a bank holding company now with special permission. submitted by /u/howtoreadspaghetti [link] [comments]

[WSJ] Sources: Microsoft, which was in advanced talks to buy the US operations of TikTok, has paused negotiations after Trump said on Friday that he opposes the deal — Talks aren't believed to be dead, but the companies are trying to get clarity on White House's stance Posted: 01 Aug 2020 01:56 PM PDT https://www.wsj.com/articles/microsoft-and-bytedance-put-tiktok-talks-on-hold-after-trump-signals-opposition-11596312611?mod=djemalertNEWS Microsoft Corp. MSFT 0.54% has paused negotiations to buy the U.S. operations of the video-sharing app TikTok after President Trump said late Friday he opposes the deal, according to people familiar with the matter. The president's statements spurred TikTok to make additional concessions, including agreeing to add as many as 10,000 jobs in the U.S. over the next three years, but it isn't clear if those will alter Mr. Trump's stance, one of the people said. The software giant was in advanced talks with TikTok parent Bytedance Ltd., with momentum toward a deal that they believed met the White House goal for the popular app to get bought by a U.S. company, the people said. Those plans were interrupted when Mr. Trump told reporters on Air Force One that he preferred to ban the app and wouldn't support a sale. Before Mr. Trump's remarks, the two sides believed the broad strokes of a deal could be in place by Monday, the people said. The companies were caught off guard by the president's comments, said one person familiar with the matter. Another person said the White House has been involved in the discussions for weeks and made it clear from the outset that the desired outcome was for TikTok to be "American owned." In a statement Saturday, a White House spokesperson said, "The administration has very serious national security concerns over TikTok. We continue to evaluate future policy." The deal talks aren't believed to be dead, but rather the two companies are trying to get clarity on where the White House stands and whether it is planning a separate action that would make it difficult for TikTok to operate in the U.S., the people said. Mr. Trump said that he preferred to ban the app entirely. "As far as TikTok is concerned we're banning them from the United States," he said. "Well, I have that authority." submitted by /u/u87hi [link] [comments]

Instagram confirms its TikTok rival, Reels, will launch in the US in early August Posted: 01 Aug 2020 08:56 AM PDT https://techcrunch.com/2020/07/16/instagram-confirms-its-tiktok-rival-reels-will-launch-in-the-us-in-early-august/ A Facebook spokesperson confirmed the U.S. launch, saying "We're excited to bring Reels to more countries, including the U.S., in early August," without providing specific details of which further markets will be added. In a new area in the Instagram app, Reels allows users to create and post short, 15-second videos set to music or other audio, similar to TikTok. Instagram doesn't have the same sort of two-tabbed, scrollable feed, like TikTok offers today. The move to more quickly roll out Reels to more markets comes as TikTok has come under intense scrutiny for its ties to China. Because of Instagram's reach, it has a shot at stepping in to pick up tens of millions of U.S. users if TikTok disappears. submitted by /u/sierratrading [link] [comments]

Disney stock? Posted: 01 Aug 2020 08:36 PM PDT Does anyone own anything in Disney? I was thinking while it's already as low as it is gonna get that it would be a good time to invest in Disney? Buy now and once pandemic is over and the cruises and parks Open up fully you can sell or hold? it should be a a quick easy profit submitted by /u/Frenchtoastboi [link] [comments]

Historical S&P Index returns during US election years. Posted: 01 Aug 2020 10:43 PM PDT Let's not talk politics. Let's just look at the data as is. I thought it was interesting. Whether the market goes up or down is somewhat random. Who's holding or not through election? Don't explain why. Just say holding or selling to keep this thread free of politics. Thank you. https://static.fmgsuite.com/media/documents/567f6ca2-a610-46e2-b3a8-b54a17b384d1.pdf submitted by /u/Undyhns [link] [comments]

Dividend growth investing for young people Posted: 01 Aug 2020 04:40 PM PDT I see young adults on here posting about buying dividend growth stocks so they can live on the income during retirement two or three or more decades down the road. Is this really a smart approach? Aren't today's well established, high growth, low-to-no dividend payout companies likely to be tomorrow's dividend growth companies? And in the meantime, you've gotten a better total return and no taxation? I feel like, just by loading up on Microsoft, Apple, Visa, and Mastercard today (all of which do pay a (low yield) dividend), you've got a good chance of having a very nice dividend income stream in twenty years. submitted by /u/bottlecapman2 [link] [comments]

Fidelity Digital Investments: Bitcoin As an Aspirational Store of Value System Posted: 01 Aug 2020 09:52 AM PDT Interesting thesis from Fidelity's Digital Assets research head where they examine the factors that make bitcoin appealing as a potential store of value. I've highlighted some of the key points but I suggest people read the entire report. In this piece, we will focus on the view that Bitcoin is an aspirational store of value. We explore the inherent characteristics that position Bitcoin to fulfill this role in the future, consider whether it is being used in this way today, and discuss factors that may drive greater demand for such utility. Bitcoin's digital scarcity A robust store of value asset retains purchasing power over long periods of time. An emerging store of value grows purchasing power until it stabilizes. The key characteristics that are cited in reference to good stores of value are scarcity, portability, durability and divisibility. The most important of these attributes is arguably scarcity, which is essential for protecting against the depreciation of real value in the long run. Scarcity means there is a limited quantity of the asset in question, more cannot be easily created, and it is impossible to counterfeit. One of bitcoin's most novel innovations is its unforgeable digital scarcity. Investors believe this property is foundational in understanding and appreciating bitcoin. The bitcoin supply is perfectly inelastic and is not susceptible to supply shocks. Supply does not respond to changes in production capacity (i.e. greater hash power) in response to heightened demand driving prices higher. Even gold, which has been used as a store of value for millennia, is not immune to supply shocks. While the ability for increased production in response to an increase in demand is limited, gold is not perfectly inelastic. Decentralized checks and balances Bitcoin's monetary policy was established when it was created. Its credibility is enforced in part by decentralization and proof-of-work mining. Bitcoin has a leaderless network of decentralized full nodes (computers running bitcoin software), in which every node stores the ledger of transactions and performs transaction verification independently, checking that rules are being followed. Because of this redundancy, there is no central point of failure. Full nodes that verify transactions are distinct from miners who expend energy to process transactions and mint bitcoin. Unlike mining, transaction verification does not require significant resources in the form of hardware or electricity. Thus, any computer can join the distributed network to store and verify bitcoin transactions. Today tens of thousands of nodes perform this function. In addition to preventing transactions that don't follow consensus rules, the level of decentralization that exists in the bitcoin network protects core properties such as the 21 million fixed supply by making it virtually impossible to change. No central party has sole discretion over bitcoin's monetary policy. Rather, such a change would require significant social coordination among stakeholders (e.g. users, miners and those running full nodes). Most stakeholders believe bitcoin has value because of its digital scarcity, resulting in negligible support for such a change DEMAND DRIVERS Investors believe that the next wave of awareness and adoption could be driven by external factors such as unprecedented levels of intervention by central banks and governments, record low interest rates, increasing fiat money supply, deglobalization and the potential for ensuing inflation, all of which have been accelerated by the pandemic and economic shutdown. Longer-term tailwinds that could fuel adoption include the use of bitcoin to preserve wealth amidst "slow and steady" inflation and the looming generational wealth transfer to millennials, who view bitcoin more favorably than other demographics. Current interest in bitcoin's store of value properties Tudor Investment Corporation's decision to allocate to bitcoin in the Tudor BVI fund is evidence that unprecedented levels of monetary growth is driving institutional interest in bitcoin's store of value properties. Paul Tudor Jones, founder and Chief Investment Officer, and Lorenzo Giorgianni, Head of Global Research articulated the rationale for investing in bitcoin in their May 2020 investor letter, "The Great Monetary Inflation." The Tudor Investments team scored financial assets, fiat cash, gold and bitcoin based on four characteristics that define store of value assets – purchasing power, trustworthiness, liquidity, portability. Bitcoin's score was 60% of the score of financial assets, but 1/1200th of the market cap of financial assets and it was 66% of the score of gold, but 1/60th of the market cap, concluding, "Something appears to be wrong here and my guess is that it's the price of Bitcoin." While many have expressed the same reasoning, this was seen as a watershed moment, given the thesis and investment was from a traditional hedge fund manager/ legendary macro investor (Paul Tudor Jones) and former Deputy Director of the Strategy, Policy and Review Department at the IMF (Lorenzo Giorgianni)ix. Conclusion Bitcoin's inherent properties have given rise to the perspective that bitcoin has the potential to be a store of value, with complementary and interdependent components – the decentralized settlement network (Bitcoin) and its digitally scarce native asset (bitcoin). Equally important is the consideration of demand for bitcoin's unique features – there is no long-term value to create or store if there is no sustained demand for these properties. External forces that are accelerating interest and investment in bitcoin include unprecedented levels and exotic forms of monetary and fiscal stimulus globally with unknown consequences. This is exacerbating the concerns that Bitcoin was designed to address and is leading more investors and users towards bitcoin as an "insurance policy" that may provide protection against the unknown consequences. Simultaneously, the massive transfer of wealth from the older generation to a younger demographic is a more gradual but important long-term tailwind, as younger people view bitcoin more favorably. This is an important catalyst for bitcoin adoption as they inherit and grow their wealth. While bitcoin is not guaranteed to succeed as a store of value, should sustainable long-term demand for the use case not materialize, the tailwinds mentioned above should drive incremental demand for a novel asset with unique properties. Additionally, as we will examine in future parts in our bitcoin investment thesis series, Bitcoin's strength is that it has properties that allow it to serve multiple functions, further hardening the likelihood of its success as measured by growth in value. submitted by /u/Tiaan [link] [comments]

Is Amazon grooming/testing Kohl's for a potential buyout by allowing their returns to be processed their? Posted: 01 Aug 2020 12:01 PM PDT They have hinted that they are looking for retail locations and Kohl's seems to be siding with them by facilitating their returns. Further Kohl's is probably taking a hit by developing the process and ironing out the kinks for Amazon. What could Kohl's profit from this situation be besides a very marginal increase in foot traffic? submitted by /u/monkeykiller14 [link] [comments]

I am an investor and I live on a passive income. Ask questions Posted: 02 Aug 2020 03:52 AM PDT I am an investor and I live on a passive income. Ask questions At the moment I am actively engaged in investments in the sphere of restaurant business, delivery and fast food. Who is engaged in business investments, purchases of shares in business, shares of companies on the stock exchange? I am engaged in investment research, who started investing and when? Why? submitted by /u/IlliaZhushman [link] [comments]

TransparentBusiness Pre-IPO Stock. Is it Legit and a worthwhile investment? Posted: 01 Aug 2020 11:36 PM PDT TransparentBusiness is offering their Pre-IPO stock to international investors as low as US$5000. Their business model is around providing remote workforce management through a SAAS platform which will gain traction with growing remote working and work from home trends. Their revenues are minimal at this point of time and they are banking on legislative changes in USA to drive their business and revenues. Their 4 year cumulative revenue is 0.7 Million US$ and they are valuing their company at 145 million US$. Have members in this group / forum heard about TransparentBusiness, their Pre-IPO investment opportunity, the legitimacy of their business or any other feedback on TransparentBusiness. Any feedback on TransparentBusiness and their Pre-IPO would be appreciated Thanks ​ Srini submitted by /u/krish_q [link] [comments]

New to Investing & loving it. Any advice would be appreciated. Also if there are any resources (books, youtube channels etc to help me educate myself on investing? (As always appreciate replied/advice) Posted: 02 Aug 2020 03:21 AM PDT So I downloaded the 'Trading 212' app and I've been y Investing in companies that IMO can survive a pandemic of this kind. My portfolio consists of: Tesla Amazon MacDonald's J&J Pfizer Coca-Cola Advanced Micro Devices. Microsoft, Sony Bank of America (Warren Buffett fanboy), Apple Beyond meat (Produces synthetic meat and I would love to see an end to factory farming) Now with my limited capital, I'm researching for the next big Coronavirus breakthrough. I originally Invested is AstraZeneca which shows huge promise & is in stage three of clinical trials. I think the KGB tried to steal the info so you know they're onto something. So is it wise to wait a while, or should I invest in various companies? The race for a vaccine seems like a gold rush and I'm experiencing FOMO. I' not sure whether to wait, but my eggs in one basket, or just invest in pharma companies that show promise. My uneducated bet would be on AstraTecawhich has partnered with Oxford University, and the UK government has signed a deal for 90 million vaccines so they obviously are pretty confident in the efficacy of this vaccine. Pfizer and BioNtech from Germany - on Tuesday announced to join hands to co-develop and distribute a potential coronavirus vaccine . I think I'll probably wait to see more info. submitted by /u/ConorMcGregor44 [link] [comments]

Moving 403b From FranklinTempleton to Security Benefit Posted: 01 Aug 2020 08:10 PM PDT I'm almost ready to retire 1-2 yrs. I'm thinking of moving some of my retirement money from FT to Security Benefit so I can borrow for a down payment on a house. I am uneasy about putting my hard earned money in SB especially since I've paid on fees at FT. Not sure .... submitted by /u/whynotnow2020 [link] [comments]

Trying to understand Domino’s financial statements (2018) Posted: 01 Aug 2020 11:46 AM PDT https://ir.dominos.com/static-files/4daec873-268e-4456-b541-3871f28288e2 Looking to understand a few questions and get a recommendation for Domino's stock - Why is "U.S. franchise advertising" included in both revenues and costs in the income statement ? Why is there a Total stockholders' deficit of $3,039,921 on the balance sheet ? Or in general, why would you buy stock of a company with negative total equity ? Total liabilities ($ 3,947,306) > Total assets ($ 907,385) Is this stock a buy ? submitted by /u/vrege [link] [comments]

Long term investing strategy, input appreciated Posted: 01 Aug 2020 06:08 PM PDT Hi everyone, I'm currently putting a large chunk of my salary into my 401K and maxing a Roth IRA with VTSAX. I have never invested in individual stocks but a recent raise will give me about $15,000 a year that I want to start using to invest in stocks with higher growth potential than VTSAX and index funds. As of right now I'm looking at the below options. Do you see any issues with my selections and are there any you would recommend instead? I know they are tech heavy for the most part but I see tech as the future and with my 401k/IRA being in safer options I don't feel like these picks are too risky. Also, I would like to get into stocks with dividends. What are some of the highly regarded dividend stocks out there with good long term potential? Amazon Microsoft Google Apple Visa Coke McDonalds Facebook submitted by /u/HyperBlue62 [link] [comments]

Portfolio Tracker + Rebalance Spreadsheet Posted: 02 Aug 2020 12:34 AM PDT Hello there! I've aggregated several things from here and there and made a portfolio tracker + rebalance spreadsheet, I was tired looking for an all in one spreadsheet, simple straightforward and that would work with TD E-Series plus that would work with Numbers or via iCloud's site. The template originally cames in (Apple) Numbers but done a lot of modifications. It'll auto-fills most of the values so it's pretty much hands-off. There are so many possibilities and things to do. If you want to contribute please do but share back so everyone can benefit :) (Repository: https://github.com/ezequielfriscia/portfolio) Note: It will just work on Apple devices because of the API being used. TD E-Series values are accurate but with an important delay because of the information not being properly updated by Yahoo. Link to download: https://github.com/ezequielfriscia/portfolio/blob/master/Portfolio%20(Shared).numbers.numbers) submitted by /u/priamXus [link] [comments]

Does annualised returns account for dividend reinvestment tax? Posted: 02 Aug 2020 12:20 AM PDT https://www.bloomberg.com/quote/IVV:US https://sg.finance.yahoo.com/quote/IVV/performance Do the annualized 5-year returns shown on these sources assume dividend reinvestment? If so, are they also assuming a dividend tax of 15%? Also why Bloomberg shows a 5-year return of 11.42% while Yahoo shows 10.65%? submitted by /u/Olivia512 [link] [comments]

Possibility of Berkshire Hathway (BRK) acquiring Arm from Softbank Posted: 01 Aug 2020 11:33 PM PDT Nvidia is in talks to buy ARM, but I'm pretty sure that they would encounter regulatory issues. I think ARM would be a pretty solid purchase for BRK. ARM received $2 billion from licensing fees in 2019 up from $1.2 billion in 2014, paying Softbank a great dividend with year over year increases. A whole lot of companies are switching to ARM CPU's, including Apple. Smart watches, VR/AR are the next big things most likely to use ARM. So, the growth potential for ARM in the future is huge. BRK has tanked a bit recently and this purchasing ARM would bolster their portfolio. They could also explore taking ARM public in a couple of years. And they do have a lot of IP's / patents. What do you guys think? submitted by /u/Tombstone2K [link] [comments]

NKLA partner Posted: 01 Aug 2020 11:32 PM PDT Like most I think this company is a HUUUUGE gamble. I was watching an interview with the CEO and he mentioned a large OEM partner that he is unable to announce until around December. Does anyone have any clues to who that company could be? Their truck resembles a Ford f-150 and a Dodge Ram. What about Toyota since they produce the Miria? submitted by /u/NotYoAverageChosen1 [link] [comments]

Ares. God of War. Posted: 01 Aug 2020 11:15 PM PDT I recently bought shares in Ares Capital. Outlook seems fine, as they declare themselves a defensive stock and at these lows do indeed show good upside. ARCC is an alternative credit source for middle tier companies. They are down and at a discount. Ivy league management. Trades sideways but offer solid yield in the last decade. Plenty of companies will need their help, I figure, when the Fed pulls away. Lo, I discover they offer other vehicles. They also offer ACRE, their REIT offshoot. High yield offering. Traded with some growth over time. And then I discover ARES, their management division stock. Offers similar returns to a value investment. This should have been the starting point. They're all over the place. But every security seems poised for an upturn. What, exactly, is their risk? I looked through their website and it mostly seemed obscurantist (to me), but they do indeed seem solid to me in every way. Tell me why I'm wrong, please. I am itching to put money into them for a nice 2021 and longer. submitted by /u/ThemChecks [link] [comments]

Best way to get to the front of the line re Breaking News Posted: 01 Aug 2020 08:44 AM PDT Hey, Trading the news with good results as of late, but my gains are always less than they would be due to the delay (using MarketWatch, Bloomberg, Yahoo Finance, Reuters, and ToS's Live Feed + their Benzinga Squawk). I know I won't ever beat the pros, but what feeds / subscriptions would expose me to market news faster / in real time? Thank you. submitted by /u/MCB80 [link] [comments]

Scalp Strategy - Need Opinions Posted: 01 Aug 2020 05:42 PM PDT Is it possible, whether from two accounts or the same account, to go both long and short on shares of the same stock at the same time? I'm not talking about doing options straddles or trading futures etc, I'm talking about straight up shares. Preferably would like to use the same account but idk how that would be possible doing plain old shares. I'm not interested in the straddle just for clarity. Would like you all's thoughts submitted by /u/bbhightower [link] [comments]

When to cut losses? (GE / UA) Posted: 01 Aug 2020 05:03 PM PDT Easily the two dumbest buys I have ever put money into are UA which I bought at its lofty high of $40 and GE, which I foolishly bought at $15 after it dropped heavily thinking "it won't go down further". The two do not, thankfully represent a huge chunk of my initial capital (about 10%) but it still hurts and I'm skeptical it will ever recover in the next 10 years let alone 5. Having held these stocks for way too long, when do you decide to cut your losses and sell? I've heard some people say they actually keep poor performing stocks if it isn't too big of their portfolio as a reminder of such mistakes. Others say if you can afford it, hold as one day it may come back up (if anything to minimize loss). Many others of course have said screw it, bite the bullet and just get rid of it. If I do sell, my plan is to put it into SPY or QQQ. Thoughts, opinions? Dump or continue to hold? submitted by /u/piracer [link] [comments]

Having Multiple Taxable Brokerage Accounts Posted: 01 Aug 2020 07:46 PM PDT A little background: 22yr old beginning to invest in stocks, ETFS, Retirement, etc. Long Term investment strategy I currently have a taxable brokerage account, Roth IRA, 401k(split between Roth and traditional) and finally an HSA all with Fidelity. I actively contribute to all of them. I max out my Roth IRA and contribute to my employer match for my 401k at the bare minimum. Rest of the money goes into the taxable account. My current brokerage account is all stocks. The usuals(AAPL, DIS, BABA, etc). My Roth IRA will mainly be mutual funds(FZROX, etc) and MSFT. I mistakenly added MSFT to my Roth IRA and since it's a long term hold anyway, I don't feel like selling and rebuying in my taxable account. I want to open a second brokerage account specifically for ETFs. Haven't decided the ETFs yet but looking at VOO or an equivalent, WCLD, maybe ARKK. My question is, is this a good or bad idea? Is it too many accounts? Any other ETFs suggestions? Any other suggestions in general? Thanks in advance submitted by /u/CleisKing [link] [comments]

Currency hedging for non-Americans Posted: 01 Aug 2020 07:45 PM PDT I don not have any dividend taxes in my country and found some high yield preferred stock that do not have dividend withholding taxes (eg incorporated in 0% dividend withholding tax countries) and am confident that it will be redeemed in a few months or years time. Since I intend to purchase this preferred stock, I am worried about the US dollar dropping further. How do I hedge against this? If I buy 10,000 USD worth of stock, do I short 10,000 USD against my own currency? I am willing to take the currency risk on the preferred dividends but not on my capital. submitted by /u/BitterBreadloser [link] [comments]

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