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.
- Clean Energy ETFs - ICLN vs. QCLN vs. PBW - Investing for future growth - An in-depth comparison.
- What’s the point? Can’t usually beat VOO and VTI, right?
- To long term investors that invested over 10 years, what would you tell your early 20s investing self
- Opinions on Municipal Bonds?
- What are some similarities/differences in how you first started investing vs now?
- Are there any studies of the performance of investors who bought and held stocks for 10+ years vs the market?
- Investment for retirement - Norway
- What do you think about cryptocurrencies and BTC ?
- Best and most affordable ways to invest into Gold?
- What is the best platform to invest into this thing, bitcoin?
- Anyone know a free stock lookback website with custom lookback periods?
- Legality of investing overseas in countries who are not considered allies
- Book review: Investing In Biotech
- Wells Fargo
- Should low income ($45000k or less) individuals open up an IRA or a Roth Account?
- 1MDB Scandal question
- New to investing
- What do you guys think about REGI?
- Tesla Weekly Analysis - Week ending 10/24/2020
- Long calls before an election?
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 23 Oct 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]  |
| Clean Energy ETFs - ICLN vs. QCLN vs. PBW - Investing for future growth - An in-depth comparison. Posted: 23 Oct 2020 05:10 PM PDT Introduction:This post will focus on breaking down the differences between 3 of the largest clean energy ETFs, QCLN, ICLN, and PBW. The focus will be exclusively on these ETFs and not single stocks. Now is an excellent time to invest in clean energy, According to several sources, renewables are set to represent ¾ of the $12T the world invests in new power technology through 2040. For the US alone almost $2 trillion is the investment needed to implement renewable energy targets by 2030. NOTE: It would be wise to keep a long-term investing mindset. Investments that focus on particular segments of the market can see significant short-term fluctuations in price. Additionally, in the past 10 years, clean energy ETFs have had returns that range from low single-digit gains to low single-digit declines. Alrighty let's get into it. ICLN - iShares Global Clean Energy ETF :Between the 3, ICLN currently has the most assets under management at $2.05B and the lowest expense ratio at 0.46%, however, it is also the least diversified, having only 30 current holdings. This ETF tracks the S&P Global Clean Energy Index. ICLN holds a portfolio of 'clean energy' companies, such as biofuels, ethanol, geothermal, hydroelectric, solar and wind industries. Additionally it also holds companies that develop technology and equipment used in the process. It does not have exposure to the Electric Vehicle Market! Of these 3 it has the most Global Exposure. Top 10 sectors (5 in this case since it doesn't even have 10):
Top 10 holdings: SolarEdge Technologies, Inc. 7.50%, Plug Power Inc. 7.21%, Sunrun Inc. 7.16%, Enphase Energy, Inc. 6.97%, Xinyi Solar Holdings Ltd 6.24%, First Solar, Inc 4.88%, Vestas Wind Systems A/S 4.53%, Siemens Gamesa Renewable Energy, S.A. 4.50%, Contact Energy Limited3.48%, Boralex Inc. Class A 3.42%. (NOTE Total Top 10 Weighting - 55.89%) QCLN - First Trust NASDAQ Clean Edge Green Energy ETF:QCLN currently has $756 million assets under management with the middle expense ratio at 0.60%. Additionally, between these 3 ETFs, it is the second-most diversified with 43 current holdings. This ETF tracks the NASDAQ Clean Edge Green Energy Index, which, compared to the previous, includes a mix of U.S. and Canadian clean energy companies. For this ETF companies are from the following four sub-sectors: advanced materials (that enable clean-energy/reduce need for oil products), energy intelligence (smart grid), energy storage and conversion (hybrid batteries), or renewable electricity generation (solar, wind, geothermal, etc). Top 10 sectors:
Top 10 Holdings: NIO Inc. Sponsored ADR Class A 10.00%, SolarEdge Technologies, Inc. 7.03%, Enphase Energy, Inc. 6.53%, Tesla Inc 5.94%, Albemarle Corporation 5.06%, ON Semiconductor Corporation 4.21%, Brookfield Renewable Partners LP 4.08%, Cree, Inc. 3.96%, Universal Display Corporation 3.81%, First Solar, Inc. 3.75%. (NOTE: Total Top 10 Weighting - 54.37%) PBW - Invesco WilderHill Clean Energy ETF:PBW currently has $962 million assets under management with the highest expense ratio of 0.70%, however it is also the most diversified with 48 current holdings. PBW is more diverse than just industry pure-plays like wind, solar, and biofuels, it aims to include companies based on their perceived relevance to the renewable energy space as well. Additionally, it follows a tiered, equal-weighting structure and caps any holding to a tax of 4%. Top 10 sectors:
Top 10 Holdings: (Remember 4% cap) JinkoSolar Holding Co., Ltd. Sponsored ADR 3.85%, NIO Inc. Sponsored ADR Class A 3.12%, Lithium Americas Corp. 3.06%, Daqo New Energy Corp. Sponsored ADR 3.02%, SunPower Corporation 2.93%, Livent Corporation 2.85%, Enphase Energy, Inc. 2.69%, SolarEdge Technologies, Inc. 2.68%, Kandi Technologies Group, Inc. 2.61%, Sociedad Quimica Y Minera De Chile S.A. Sponsored ADR Pfd Class B 2.49%. Takeaway/Final Thoughts:Clean energy has a very bright future but the industry is still emerging. For this reason, market risk and price volatility may be higher than the broader market, and ETFs may be more favorable compared to individual stocks. For those looking for a Clean Energy ETF that has more Global Exposure and is more diversified than ICLN, I would recommend checking out PBD - Invesco Global Clean Energy ETF. As always thankyou for reading. This is not all inclusive so please do your own research to supplement, and if anyone else has any other great Clean Energy ETFs that they may prefer please comment! Have a good day everyone! Edit: Most sources would say to limit your cap your exposure to a market sector to 5%. This is, of course, up to personal preference, sector knowledge, and risk tolerance. Edit 2: One User reccomended CNRG, it is similar to PBW with slightly different weighting and more expose to Renewable Energy Equipment and Services. Definitely worth a closer look and consideration! [link] [comments]  |
| What’s the point? Can’t usually beat VOO and VTI, right? Posted: 23 Oct 2020 12:27 PM PDT What is the point to developing an investing strategy, when the majority of people and even professionals, can rarely beat the S&P 500 and/or the total stock market? I've been discussing and getting my feet wet in investing this year with a group of friends, some of whom are professionals, and it seems that the best advice is to just sink any capital into VOO and VTI. As of now, that's where all of my excess money will be going both in retirement and normal accounts. Am I missing something? I get that some people enjoy this as a hobby, but the most rational thing to do appears to be to acknowledge you likely aren't going to beat the market long term. For context, I'm 31 and my wife and I make about 185k jointly. [link] [comments]  |
| Posted: 23 Oct 2020 11:37 PM PDT I'm very new to investing and got a brokerage account in my early 20s. Only had a mutual fund in the past and have started making trades although i gained and lost the same amount so my returns are 0%. It's is well known that you can't beat in index so I'm planning to place large sums on index funds like the NASDAQ (QQQ) and SandP500s (SPY) and leave it there for 20+ years. I'll hold long term on renewables, ev, online finance and some lower known tech companies. However, if you were in your early 20s investing self what would you do differently or guide yourself with now that you have invested for a while? tl;dr; what would you do differently in your early 20s investments? [link] [comments]  |
| Posted: 23 Oct 2020 03:45 PM PDT I'm at a point in my life / career where I have acquired a fair amount of wealth. I'm in a higher tax bracket and reside in California. I normally keep the majority of my stocks in tech and more speculative stocks and I'm looking to diversify some at this point. My personal opinion is that I believe the stock market is now slightly overvalued and I've read a few articles that speculate the same. I know all the stimulus talks are keeping it afloat, but it still feel it's a bit high. https://seekingalpha.com/article/4378438-stock-bubble However, despite me believing it is slightly overvalued I'm not very keen on pulling out of my current holdings. I think they are all strong for 5-10 years. I would rather move for a brief make any new investments into something more stable (bonds). It seems to me that Municipal Bonds are more effective than other options (Treasury, Corporate, TIPs, etc) because they somewhat uniquely provide a good combination of
I also read this article discussing some of the risks and benefits and helps explain how they help punch above their weight as you get into the higher tax brackets. I also thought it was interesting that they recommended diversifying state municipals during the pandemic in case of a risk of a State defaulting Questions
I'm not interested in actively hunting / looking for the best municipal bonds - I likely would pick one of these 3 ETFs
Looking forward to hearing feedback, thank you! [link] [comments]  |
| What are some similarities/differences in how you first started investing vs now? Posted: 23 Oct 2020 03:11 PM PDT Ex. In strategy, mindset, risk tolerance, etc. I'm still relatively a newbie to investing but when I first opened my Roth IRA I put everything into a target date fund. Now that I have a little more disposable income, I am trying to take on a little more risk for reward and spending more time understanding the market. Maybe have 40% in stocks I plan to hold long term and a small percentage of potential short term stocks in my Roth. [link] [comments]  |
| Posted: 23 Oct 2020 11:31 AM PDT The average retail investor has a ROI of 2% vs the S&P 500's return of 9.8%. But this obviously includes people who make a ton of emotional trades. For example people who doubt their choice and liquidate everything when it underperforms in the short term. People who try to time the market. People who sell solid innovative companies too early to "lock in gains". And then we're comparing this to a theoretical person who buys the entire market and never sells. But what about comparing people who buy and hold their top 5-10 individual stocks and never sell? So far I tried backtesting this with various blue chip stocks like McDonald's, Costco, Apple, BRK, google, j&j, WM, GE, Intel and so forth. For 10+ years and almost all of them outperformed the market. I even tried getting rid of the obvious massive tech winners and just relied on "boomer" stocks like McDonald's, coca-cola, Costco j&j and GE from 2010-2020 and it just very slightly underperformed the market with 11.71 CAGR vs 12.97 CAGR of the S&P. But if you do a longer time period of 15+ years the boomer portfolio actually outperformed the market. Every time I see studies promoting index funds it always compares the emotional retail investor vs the market. Or the fund managers who aren't allowed to take risk or have to show quarterly results vs the market. But I think a more fair comparison are retail investors who also buy, hold and never sell vs the market and fund managers with a long term strategy 10+ years such as the ARK ETFs vs the market. [link] [comments]  |
| Investment for retirement - Norway Posted: 24 Oct 2020 02:12 AM PDT Investor from Norway here. I now have to invest a lump sump that I will be able to withdraw upon retirement (67 years old). I want to put it all in index funds. I normally do my monthly contributions into index mutual funds, but for this retirement money, ETF's are going to be cheaper over the ling run. THis is mi idea so far, I would like tio get some feedback: Vanguard FTSE Developed World ETF USD Acc - 20% iShares Core S&P 500 USD Acc - 25% iShares Core MSCI Europe Eur Acc - 25% iShares Core MSCI Emergin Markets USD Acc - 25% Invesco JPX Nikkei 400 - 5% What I am wondering now is:
I am aware this will be read by mostly folks in the US, where the strategy is to put almost all of it (if not all) into their local market (S&P or similar). To me, this sounds risky. I want to bet on Europe and Emerging Markets as well. Any advice is appreciated. [link] [comments]  |
| What do you think about cryptocurrencies and BTC ? Posted: 23 Oct 2020 11:57 PM PDT Hello guys. I am looking for some contradictory point of views about cryptocurrencies and BTC. I am tired of listening to all these MoonBoys who think that BTC will reach 10 million USD. Bitcoin is in Bull market right now. Do you think it is a good investment for the future ? Or do you think BTC is a pure speculative asset and will crash one day or another ? Cheers [link] [comments]  |
| Best and most affordable ways to invest into Gold? Posted: 23 Oct 2020 11:38 PM PDT I am specifically referring to holding physical here. Sites and bullion dealers such as APMEX and JM Bullion sell their bullion, bars and coins substantially over spot price, with ebay being even higher. Subreddit PMsforsale are better priced, but still quite a bit over spot. All local coin dealers seem to be out of gold, but are well stocked on silver. So my question is, where on the internet can you get the most fair pricing on physical precious metals? [link] [comments]  |
| What is the best platform to invest into this thing, bitcoin? Posted: 23 Oct 2020 11:23 PM PDT I have seen how bitcoin has been beating the other markets and Fidelity recommends it as a 5% allocation to everyone's portfolio, especially as a hedge. Should someone looking to get into this market use eToro, Coinbase, CashApp, or something else to purchase their first "satoshis"? Thanks [link] [comments]  |
| Anyone know a free stock lookback website with custom lookback periods? Posted: 23 Oct 2020 11:03 PM PDT I'm trying to find a website that will let you see the performance of stocks in % to 2 decimal places (0.00) and also be able to look at stocks between custom dates, any help would be appriciated, thank you for your time! [link] [comments]  |
| Legality of investing overseas in countries who are not considered allies Posted: 23 Oct 2020 10:32 PM PDT What is the legality of investing in other countries who are not particularly considered allies? Particularly Chinese investments... CBON, BABA, TenCent, JD, NIO, Chinese Bonds, Ant Group (upon IPO), etc. China's economy has risen back roughly 4.9% since pandemic, but technically America and China are in a "cold war" of sorts. Right now my understanding is that it is perfectly legal to invest in Chinese (or other overseas emerging markets) companies. Obviously, as they are available on American markets. But is there, or could there potentially be, a point where it is no longer legal? Is that a possibility? Would investors be required to liquidate investments? Any and all relevant information appreciated. Cheers [link] [comments]  |
| Book review: Investing In Biotech Posted: 23 Oct 2020 06:34 PM PDT Published 18 years ago, I was hesitant this book would be outdated. It does show signs of age when David Harper gives specific examples of biotechs. In one case he mentions Nexia Biotechnologies which went bankrupt almost 10 years ago. Although there was a lot of hype around the company's product; using genetically engineered goats to manufacture BioSteel. Sounds revolutionary and high tech, which makes it a good cautionary tale. It's easy to get hyped about the products but that doesn't mean it's economically viable. The book did have some timeless advice though. I've made a list of some points to consider when researching a biotech: 1.The goals of each clinical trial: Preclinical: Animal testing Phase 1: Is it safe? Phase 2: Does it work? Phase 4: Is it safe and does it work for a lot of people? 2.Be wary if the FDA is questioning the statistics of a trial. It's a possible sign the company will have to redo it. This is costly and time consuming.
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| Posted: 23 Oct 2020 10:17 PM PDT So I was wondering if the 10 year treasury had an impact on Wells Fargo's stock price and if it was very correlated or not. I've been comparing the charts and it seems like it is somewhat correlated but it looks to be off by a few days on the recent jumps from the 10 year treasury. If anyone here has any expertise on this matter it would be greatly appreciated. [link] [comments]  |
| Should low income ($45000k or less) individuals open up an IRA or a Roth Account? Posted: 24 Oct 2020 01:45 AM PDT So I've read up on both traditional IRAs and Roths and what I'm understanding is that a traditional IRA will give you the benefit of experiencing tax relief in the here and now. Whereas a Roth will provide tax relief in the future, when the money is withdrawn. Obviously, these are not the only perks, but for the purpose of my question, this is my focus. Basically, I make roughly around $45000k a year, but my job does not have a 401(k). I also have student loan debt and credit card debt. My large goals currently:
And this is a little less pressing than the first 3...
The idea of an IRA over a Roth account appeals to me because I can use a much needed tax relief. I know typically Roth accounts are advised for those in lower income tax brackets, but my thought process is that if I set up an IRA now, because MY EMPLOYER doesn't provide a 401(k), I get to be entitled to a full deduction on my IRA. This would leave me at least a grand ($1k) in extra cash, to which I can roll into one of the (4) areas of saving opportunities. Not to mention, I could just use the extra cash given I'd be taking most of my remaining paycheck after bills to invest in my IRA account, savings accounts. My question is however, is this a terrible idea? [link] [comments]  |
| Posted: 23 Oct 2020 11:43 AM PDT Why would a countries economic development fund issue bonds to borrow money in the first place? Isn't the point of the fund to collect taxes from locals and finance development projects with that tax revenue? I never understood this part of the story and I'm wondering if anyone could explain to me why that would be perceived as normal behavior to leverage up a tax financed investment fund. Thanks [link] [comments]  |
| Posted: 24 Oct 2020 12:58 AM PDT Hello I'm 14 years old and im very interested in investing and I would like to start off early to have a good chance at being able to do something with my life later on could somebody help me understand the steps into starting and getting in to this whole thing thanks a bunch [link] [comments]  |
| What do you guys think about REGI? Posted: 23 Oct 2020 07:06 PM PDT I put $1000 in June down and pulled out because I was bet scared. It's doubled now and I really don't see it going anywhere but up, renewable energy seems the safest. What do you guys think? Are there other renewable energy groups that you think are looking like more of front runners? Do you think it's dependent at all based on who's elected for president? [link] [comments]  |
| Tesla Weekly Analysis - Week ending 10/24/2020 Posted: 23 Oct 2020 06:35 PM PDT Technical analysis on Tesla for the week. We tested and bounced off near the low end of the consolidation zone at about $407, this is a strong support area. Also, the bottom of the uptrend channel going back to June. These are two key support areas. I see Tesla going higher from here next week barring a market sell off. It can reach $440 or higher. Some Tesla news this week: -Wedbush's Dan Ives raises price target to $500 -Tesla battery researcher, Jeff Dahn, shows new test results pointing to batteries lasting over 2 million miles -Tesla third quarter registrations in California drop 13% -Tesla Full Self Driving (FSD) price will increase by $2,000 Watch the full analysis here: https://www.youtube.com/watch?v=sCHq5Uwldpw [link] [comments]  |
| Long calls before an election? Posted: 23 Oct 2020 10:22 AM PDT This is NOT a political post, I just want to know what everyones plans with long term options are heading into these next few weeks? Should I wait to get into anything long term, or should I just go for it now? I'm looking April calls on Target right now, but not sure if it's the right time. [link] [comments]  |
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