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.
- We made an automatic stock screener and portfolio tracker to help making decisions
- A Reminder from Mr. Buffett
- Why value investing is dead for retail investors
- Differences and similarities between 2000 and now.
- Anybody else buying up oil stocks right now while they're low?
- High Income Earners - How do you manage Taxes?
- Dummy question on Bonds
- IG vs IB vs Saxo for CFD on shares
- Questions about investing.
- Investing after the lockup period, not at IPO.
- X Trading - Leading in Global Finance
- Air BnB After IPO | New Era Of Valuation?
- Is it silly to buy Tesla stock after the split?
- Investment Club - Software
- Automated investing?
- Is there usually correlation between international markets?
- P/E of S&P 500 seems to differ based on source.
- Does anyone here make a livable income from REIT's?
- 401k limited bond choices (BPLBX,PFORX,PDBZX,PIMIX)
- Has anyone else found success with P2P lending?
- AstraZeneca touted by Trump. Will we see a Kodak effect in the market tomorrow?
- Anyone looking at WWE stocks right now?
- Need help understanding a book
- At what point in time will the economy stop growing?
Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 23 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:
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] |
We made an automatic stock screener and portfolio tracker to help making decisions Posted: 23 Aug 2020 08:10 PM PDT Hey everyone, my friend and I are very into stocks. We have created spreadsheets to screen stocks and track our portfolios. We spent weekends working on automating them and making them usable for everyone here (inspired by u/mau2509's awesome spreadsheet - thanks for sharing here!). Here is the spreadsheet You can go to "File" > "Make a copy" to save it. Gray cells are the ones that take user input, all other ones are automatically filled out. There are 3 tables in the spreadsheet (all in "Main" sheet):
We added comments to explain most metrics and color-coded based on our subjective opinions on what numbers are good/bad for buying decisions (green for good, red for bad, yellow for neutral). You can also use this sheet for selling decisions with different conditions. The "Decision Making" table can be used independently of the other ones for stock screening. We hope this is helpful! EDIT: So glad people are finding this helpful. Let us know if you have any questions or feedback! [link] [comments] |
Posted: 23 Aug 2020 05:29 AM PDT "After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball. They know that overstaying the festivities that is, continuing to speculate in companies that have gigantic valuations relative to the cash they are likely to generate in the future will eventually bring on pumpkins and mice. But they nevertheless hate to miss a single minute of what is one helluva party. Therefore, the giddy participants all plan to leave just seconds before midnight. There's a problem, though: They are dancing in a room in which the clocks have no hands." Edit: My first award, thank you kind stranger 🙏 [link] [comments] |
Why value investing is dead for retail investors Posted: 23 Aug 2020 06:19 PM PDT With computers and financial data, anyone can just program Benjamin Graham's formulas into an algorithm and invest based on it. Any time a stock actually becomes a value stock, the dip is quickly bought before you've even had time to digest the information. If it isn't bought, it's most likely a value trap. Additionally, for the past decade, if anyone asks for a book recommendation, one of the top answers has been "The Intelligent Investor". The more people adhere to a technique, the less inefficiencies there are in the market with regards to that metric. By telling others to value invest, retail investors have literally been killing value investing, and Warren Buffett's returns too. On Google trends, the Intelligent Investor had a slight bump over pre-2011 times, and that coincides with when Warren Buffett stopped outperforming the S&P500. [link] [comments] |
Differences and similarities between 2000 and now. Posted: 23 Aug 2020 01:04 PM PDT I've posted bits and pieces of this in some comments since some form of the question has come up on this subreddit. I want to list out a list of reasons why today is like the dot com times and ALSO what is different about today. I am not a financial professional, but I have been working in the tech industry for over 20 years. It is mostly tech stock focused. I'm going to also add (fact) or (anecdotal) or (opinion) to my bullet points, so take those bullet points with the appropriate grain of salt. Reasons we are NOT like the dot-com boom (roughly in order of importance):
Reasons we are like the dot-com boom (roughly in order of importance)
You can definitely pick apart some of the individual points, I just wanted to lay them all out and see what people thought and if anyone has other valid comparisons. I personally think we ARE in some kind of tech bubble, but I'm not going to make a fool of myself in predictions on when and how it will burst. And fuck it, while I do have more in cash than typical, I'm still in VTI/VXUS and a bunch of individual tech names since I have the background to do some analysis on the business. I'll end with a few random thoughts:
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Anybody else buying up oil stocks right now while they're low? Posted: 23 Aug 2020 07:31 PM PDT WLL, GPOR, MUR, WTI and other oil stocks are very low right now, so I'm scooping them up. I've been keeping an eye on them this year and striking when they appear to level off then take advantage of the one day surge we get about once every month or two. I know I may have to sit on them for a few weeks but I'm excited for the next big pump. [link] [comments] |
High Income Earners - How do you manage Taxes? Posted: 23 Aug 2020 10:54 PM PDT Hello all, I'm a Single 32F, after about 8 years in the IT industry, now I guess I'm in a High Income earners club (assuming I'm). Total AGI for 2020 will be around 210K, after my recent promotion. However hard I calculate, I feel I would end up paying additional taxes while filing taxes. Breakdown of my calculation: 210 - 12K (Standard Deduction) - 3.5K (HSA) - 19.5K (HSA) = 175K (AGI) According to IRS, the amount of Fed taxes that I would be paying for 175K is 37,015.14 (I'd to do the math manually, let me know if there are any tools available to calculate the same). However, the overall Fed taxes deducted from my paycheck by the end of Dec 2020, will be around 35K, so there is almost a difference of 2K that I will owe to Federal. I'm a Tax free state, so we don't need to worry about State Taxes for now. Here is my question: Based on my research this is the max tax deduction one could do during a tax period (with a Standard deduction, not sure what advantages Itemized will give). Does most high income earners (Making more than 200K), owe taxes each year on top of their paycheck? Any suggestions, thoughts? [link] [comments] |
Posted: 24 Aug 2020 03:31 AM PDT Hi, I have a dummy question about bonds / fixed income. Stock / equity, I understand - if I invest $10k into Stock, it goes up or down, I gain / lose money accordingly. Got it. Bonds on the other hand - if I invest $10k into Bonds, are the following assumptions true? (i) It pays a certain coupon rate semi-annually which defines my yield - ie, the rate of return - let's say 4.0% (ii) but there's also the "mark to market" or "valuation" component similar to Stocks - ie, the value of my Bonds (ie what people / the open market will pay for it) may increase or decrease as the interest rate (say the 3/5/10 year treasury yields) move down or up. Does this also get factored into my "rate of return"? And consequently making me sensitive to interest rate risk? Broadly, I'm just trying to figure out - if my $10k investment into a some sort of a bond index fund 5 years ago is now worth $12k, is that a combination of (i) and (ii) above? And similarly, if that investment is now worth only $9k, can I effectively assume that the yield I earned on (i) was more than offset by the losses incurred by (ii)? Any insight / clarifications appreciated - Thanks in advance [link] [comments] |
IG vs IB vs Saxo for CFD on shares Posted: 24 Aug 2020 12:53 AM PDT Hi all, I am looking for CFD platform which allows trading shares. Would love some suggestions here. I don't need regular share trading platform. I will only be using CFDs. Also, would prefer ones which has wider markets. So far have come across following options:
Another CFD provider I found is FPmarkets. They look decent. But, their exchange rates seems very bad. They said they will give exchange rates mentioned in CBA - which aren't so attractive. Questions: With Saxo and IG, what are their exchange rates like? I don't want to pay 0.75% fee and then also lose out in huge gap between currency conversion. Also, any other broker platform which anyone can suggest? I am resident of Australia. Thanks, Sudh [link] [comments] |
Posted: 23 Aug 2020 06:17 PM PDT Im a freshman in college with about 10,000 sitting in my savings account and would like my money to start making money. I was going to invest in Vanguard index funds but I'm slightly confused. Could I just open a robinhood account and buy individual shares of VTSAX and VTIAX or whats the difference between opening up an actual vanguard account that has a 3000 dollar minimum investment entrance. Please help [link] [comments] |
Investing after the lockup period, not at IPO. Posted: 23 Aug 2020 07:51 PM PDT https://www.investopedia.com/ask/answer/12/ipo-lockup-period.asp I am investing from abroad, so it is impossible or cost-prohibitive to try to buy a stock at IPO. It would seem that investing after the lockup period ends is also a valid strategy? Does anyone have experience with this strategy? Is it as simple as setting a limit order day off for the price you are comfortable paying? I would plan to hold the stock for the medium-long term. [link] [comments] |
X Trading - Leading in Global Finance Posted: 24 Aug 2020 03:29 AM PDT To join our community, direct to ExelTrading on Telegram Investment and Capital ManagementX Capital provides broader possibilites regarding the history, present and future of financial markets and factual information with wealth sustainability and equity growth in mind for all types of organisations, businesses or individuals wanting to sustain, adapt and expand capitalBringing the best out of financial services, covering holistic areas due to extensive research and effort in adapting to the needs of investors and consumers as well as the global conditions and economic outlookWealth, Capital and Investment Management📷 Expanding - TogetherX Trading 2020 ©Leading in Financial and Global Services ™Management of Capital, Investments and Assets-Wealth Management and Planning-Financial Consultancy and Advice-Global Research and Insight-Presentation of Opportunities-Savings, Pension and Protection-Estate and Property Advice-Business OptimizationStocks, ForEx and CommoditiesX Trading utilisises it's knowledge and profitable methods while acquiring facts and transient information, expanding the economic perspective for investors Providing support and safety for investors, traders and consumersOne X for all, whether a complete stranger to the market or an expertFlexible, supporting and adaptive to your financial benefit and comfortPremium Management and Research📷 Boosting the financials - professional and personalisedX Trading 2020 ©Leading in Financial and Global Services ™Trading Capital and Investment Strategies Management-Premium Trading Account-Investment Supervision-Market Portfolio Allocation-Trading Advice and Mentoring-Trading Research and Analysis-Signals and Other Opportunities[link] [comments] |
Air BnB After IPO | New Era Of Valuation? Posted: 23 Aug 2020 08:44 AM PDT Lot of Value investing people in here look at fundamentals, determine a company's position from that point of view and miss out an entire future of possibilities. Don't get me wrong, I started as an analyst and preached fundamentals all day long, but why is it that we don't typically see people invest on the basis of good or bad business models? I don't doubt that there's a lot of you out there thinking " what you mean, guy? ..I do". If you've been on other investing forums, you know the theme. We discect the accounting first, look at solvency, check for potential RoIc and so forth. But the "New" era of investing has a lot of ideas forced into market rather than bootstrapped from internal financing. So, we miss the future because of how things are cultivated now... and pray too often at the same altar of Buffet, Munger and Graham. Air Bnb is the latest and greatest example of a company that Blitz-scaled like many of the other profitless, great names we hear (Uber, Beyond Meat). I'm a skeptic of many of those businesses because I look for alternatives to their offerings and see hard lines they can't cross because of inherent flaws with their business model. Air Bnb is the huge exception to this in my opinion. I'd like to discuss, perhaps from your own experience in using them or perhaps leaked data you've come across, any stonewalls in their path you see or issues with their business model. Is this a company that is building a "moat" with their robust services? Can anyone else easily replicate this business model and bring it to market? Is this more of a first-mover advantage where the company winning the popularity contest wins out on all the consumer's trust? Does anyone see flexibility with how Air Bnb may enter sectors like Real Estate? As value-investors in these times, should we be allowed to get more imaginative with our assumptions of tomorrow to find a discounted valuation for today? [link] [comments] |
Is it silly to buy Tesla stock after the split? Posted: 24 Aug 2020 02:42 AM PDT I wanna hold one or two (post split) for the long term. But I don't wanna put like 2 grand into one stock just yet. Not willing to take that big of a risk. I've only just started out and intend on Apple and Tesla being my only individual stocks I own as I have some faith in their long term future. (Rest is in ETFs and things like that.) My only concern is maybe Tesla might be overpriced and could see a big fall? Not too sure tho [link] [comments] |
Posted: 24 Aug 2020 02:32 AM PDT Hey guys, i want to start an investment club at my school and to start i need to find a market simulating software (Fake money). It needs to be viable for a group of people to use (Make a league/joint portfolio). I would also appreciate and tips for starting the club Thanks in advance, Jackson [link] [comments] |
Posted: 23 Aug 2020 04:43 PM PDT Has or anybody using automated investing? How has that been working out since you started out with that? I am thinking about using automated investing for another account. Currently comparing between Schwab and TD. Schwab seems like the one only cause it has no advisory fee. Thanks. [link] [comments] |
Is there usually correlation between international markets? Posted: 24 Aug 2020 01:54 AM PDT I'm asking this out if curiosity. For example, today the European markets are doing very well so far, most big indices are up over 1%. The Asian markets did well too, no major index was red today. Should this be a sign for USA indexes that they will do well today following the international trend or not? [link] [comments] |
P/E of S&P 500 seems to differ based on source. Posted: 23 Aug 2020 05:09 PM PDT Trying to understand why many sources report a P/E trailing twelve months of about 29 for the S&P 500 including multpl.com but iShares is showing a P/E of 22.77. I know iShares excludes negative earnings and uses the latest fiscal year earnings whereas multpl uses the latest reported earnings, but I doubt that can explain the entire difference. What am I missing? [link] [comments] |
Does anyone here make a livable income from REIT's? Posted: 23 Aug 2020 06:48 AM PDT I'm wondering if it's possible to live off REIT's for the long term. I know plenty of real estate investors who do live off rental income or have a business based around investing in real estate, but I've never personally met someone with $500k+ in REITs. Is there a reason not to have a large portfolio of REITs for the purpose of sustainable income? [link] [comments] |
401k limited bond choices (BPLBX,PFORX,PDBZX,PIMIX) Posted: 24 Aug 2020 01:29 AM PDT BlackRock Inflation Protected Bond K (BPLBX) ER = 0.60% PGIM Total Return Bond Z (PDBZX) ER = 0.53% PIMCO Income Instl (PIMIX) = 1.09% PIMCO International Bond (USD-Hdg) Instl (PFORX) ER = 0.60%I am about 80% equities 20% bonds in my 401k and these are the only bond choices. Anyone have any thoughts on which they would choose - and why? [link] [comments] |
Has anyone else found success with P2P lending? Posted: 23 Aug 2020 05:06 PM PDT I began using prosper a year ago and have had pretty extraordinary results. I am going in with very little capital (500) so I take the time to handpick my loans rather than rely on auto-invest. After a year I have had no defaults, delinquencies, or anything of concern. Three people paid in fulll early allowing me to continually reinvest in quality applicants. Is this experience normal? I am a firm believer in anything that feels too good to be true usually is blissful ignorance so let me know your experiences. [link] [comments] |
AstraZeneca touted by Trump. Will we see a Kodak effect in the market tomorrow? Posted: 23 Aug 2020 06:12 PM PDT I wonder if tomorrow will see a buying frenzy of AZN tomorrow? I think AZN is a good stock to own with our without a covid vaccine, just as other stocks like Moderna and Pfizer are generally solid stocks to own. How will you play the news? WASHINGTON — The Trump administration is considering fast tracking an experimental coronavirus vaccine developed in the U.K. for use in the United States ahead of the nation's upcoming presidential election, according to a Financial Times report, which cited three people briefed on the plan. One option, according to the FT report, would involve the U.S. Food and Drug Administration awarding "emergency use authorization" for the vaccine, which was developed by Oxford University and AstraZeneca. AstraZeneca told the FT that it hasn't discussed an emergency use authorization for its potential vaccine with the U.S. government. A spokesperson for Health and Human Services, which includes the FDA, told FT that any claim of an emergency authorization for a vaccine before the election is "absolutely false." The latest revelation comes amid reports that Trump on Sunday will announce the emergency authorization of convalescent plasma for Covid-19. On Saturday, President Donald Trump made a baseless accusation that the FDA was standing in the way of drug companies' efforts to test potential coronavirus vaccines and treatments for political reasons. The White House, FDA and Pelosi's office did not immediately respond to CNBC's request for comment. The availability of a vaccine before the U.S. presidential election could allow Trump to justify his administration's handling of the coronavirus pandemic, which has faced widespread criticism. During his convention speech on Thursday, former Vice President Joe Biden bashed Trump's response to the public health crisis, calling it the "worst performance of any nation on Earth." The coronavirus has infected more than 5.6 million people in the U.S. as of Saturday, roughly a quarter of the globe's reported cases, according to Johns Hopkins University data. On Friday, the U.S. recorded at least 1,100 deaths, bringing the nation's death toll above 175,000. [link] [comments] |
Anyone looking at WWE stocks right now? Posted: 23 Aug 2020 09:24 PM PDT I am new to stock trading and just stumbled upon the WWE stock while browsing and its at a low right now so it might be good for quick cash. However I was also thinking it might be a good buy to hang onto for about a year till fans start going back and buying seats and what not. Anyone have any thoughts on if this is good or bad? [link] [comments] |
Need help understanding a book Posted: 23 Aug 2020 02:08 PM PDT Im reading Value investing from graham to buffet and beyond book and when Im in the topic intrinsic value, i nearly fell asleep because mainly, no samples given aside from general motors they provide. English is not my first language but I tried my best and used google to define words. What I dont get from this book is, what are you talking about? The formula given by Graham as presented, I can understand it a little so I went to yahoo finance for a sample stock. And still cant understand most of it. What tools do you guys use to do these kind of research of a company? Or maybe I am really stupid by learning these since market is nowadays far from the truth? My main field is healthcare so please pardon me for asking. What videos do you guys watch to understand it fully with samples? I found one(not a video) when I searched for "book" explanation and so far I am liking what Im reading but Im worried now if I dont read this book first then read this explanation, they might have missed some parts of it. Am I pushing myself too much in recognizing a stock's value not to rely on newsletters? [link] [comments] |
At what point in time will the economy stop growing? Posted: 24 Aug 2020 01:50 AM PDT So of course am not asking for a specific year, but do you believe in the next 50 years the economy will stop growing? Am not very knowledgeable about this but there has got to be one day where the economy stops growing. I say this because I want to get into investing but don't know if it's a good time or what [link] [comments] |
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