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.
- CRSP announces their gene editing treatment in a remarkable study ostensibly cures patient of sickle cell anemia
- A discussion about “time in the market vs timing the market”
- AT&T (NYSE: T) - A stock Guide/Review
- Advice on entering the market now?
- Doordash (DASH) IPO S1 Filing Summary
- How is the S&P 500 index price determined?
- M1 money supply increased 600 billion in november. 2.2 trillion since March. Thoughts?
- This strategy seems to beat the market with little risk. Am I missing something?
- Long game investors: When did your ETF's compounding really take off?
- What are your top undervalued stock picks right now for the future?
- Pfizer Seeks Emergency Use Authorisation for its Covid-19 Vaccine in India
- Digital currency maybe a great opportunity to invest?
- Major chip shortage will disrupt car production in China, reports Reuter. Effects on NIO? Tesla?
- I am new to the investment world so...
- Hyliion Part 2
- Vanguard 100k
- More than 500k in bond, what shall I do ?
- Information Overload
- Fund portfolio in czech republic
- what is it exactly that small investors have over large players like Buffet and how do you leverage it?
- Looking to get into a safe balanced ETF
- Apple's Reasonable Valuation
- Most Anticipated Earnings Releases for the week beginning December 7, 2020
- 18 year old with 10k
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 06 Dec 2020 04:11 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]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Dec 2020 07:53 PM PST In a remarkable results, CRSP shows that their gene editing treatment, using the CRISPR-Cas9 technology that recently won its co-founder Emmanuelle Charpentier the 2020 Nobel Prize in chemistry, effectively cured one patient of sickle cell anemia and another of B-thalassemia. CRSP announces these results in a talk at the American Society of Hematologists and in a publication in the premier medical journal- NEJM https://www.nejm.org/doi/full/10.1056/NEJMoa2031054?query=featured_home This is the first time gene editing has cured a genetic disease in patients. CRSP and the other gene editing stocks EDIT, NTLA, and BEAM have had great runs this year, and their technology has now been validated in a landmark study. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| A discussion about “time in the market vs timing the market” Posted: 05 Dec 2020 10:23 AM PST We've all seen it parroted on every investing related thread in the history of Reddit- "time in the market beats timing the market". But I feel like this phrase gets misused quite a lot, and I would like to take this boring workday of a Saturday to just show the power of what "time in the market" actually has.
Time in the market means, basically, maintaining ownership of assets that either 1, typically appreciate in value over time (stocks, real estate, commodities, etc) or 2, that produce a steady, ideally increasing, stream of income (dividend paying stocks, a business, rental properties, debt, etc). By "time in the market" it means that ownership of these assets over long periods of time, as in years and decades, is the key to wealth accumulation. If you look at most wealthy person alive today and in history, they gained their wealth through assets. They accumulate assets and own them. "Time in the market" does NOT mean buying clearly overvalued hype stocks because "I'm in for the long term". I'm not gonna say any because I don't want the comments to just be arguing about whether or not tesla is overvalued, but I hope you get the idea. However this doesn't mean to just let your cash sit on the sidelines "waiting for a crash". Typically there is no reason to have all your net worth tied up in cash, as it is the only asset class guaranteed to lose value over time. Rather, you should be in the middle: continuing to own assets you already own and being on the lookout for more, fairly valued ones. I promise you that you can find value out there if you look for it. Even then you don't necessarily always have to be buying. Sometimes doing nothing is the best choice.
If you're anticipating a crash, good luck. There have been 8 major crashes since the 1920's: an average of one every 12 years. There have been flash crashes and small recession but these shouldn't concern you at all. On the large scale, the market has trended up for most of its existence. What makes this time different, exactly? Bulls have a tendency to believe that this time is different, but bears can have the same mindset, especially considering that the US has been in a bull market for most of its history. So what makes this time different? Sure, we will enter a bear market eventually but the US market has never failed retest its highs. If you're selling because you anticipate a "correction", you're just wasting your time and money. Corrections are a blip on the radar over time. They are normal, healthy and should be seen as a good thing, just the market breathing, per se; nobody actually thinks "stocks only go up and never go down". Once you gain real money, in the high six figures and up, taxes will really start to eat into you. Selling positions with the intent to buy back in after a correction is probably an unprofitable endeavor. Why pay a good chunk of your earnings in taxes just to buy back 10% cheaper, especially when the 10% drop may or may not happen when you expect it to? This ties in to the last paragraph of point one, sometimes it's best to do nothing and just continue to hold, letting your money work for you.
This is my main point. The Rothschilds, for example, have been building an empire for almost 300 years. That is 300 years of compounding interest. One thing they have done is accumulate assets, not sell them. The wealthy families of the Netherlands have been passing down assets for almost 400 years. Even on a less grandiose scale, just look to this subreddit. You'll notice a lot of the users with higher portfolio balances probably received a nice inheritance somewhere along the way. This isn't a bad thing and shouldn't be shamed. After all, isn't that everyone's goal, to pass their wealth into their children? Unfortunately, with inheritances, a huge majority of inherited wealth is lost by the third generation. When the younger generation doesn't know how to properly manage wealth, they end up wasting it all instead of further building it up.
Some call it the eighth wonder of the world, and rightfully so. There is no reason to interrupt compound interest unnecessarily. I would hope that most people here are investing with the goal of attaining compound interest, and selling your compounding assets is a solid way to halt it.
Whether or not you chase dividends, I think we can all agree that we get some form of dividends or income from our investments. Dividends really show their power after several years of ownership. Buffett, for example, gets a 40% annual return from dividends on his initial Coca Cola investment. Fourty percent! And he doesn't even DRIP them. Why on earth would people get rid of their assets that have potential to give those kind of returns after some years of ownership is beyond me. If you do a dividend return calculator going back multiple decades, you'll find that most dividend paying securities will have similar returns once you have mature ownership of them.
This is probably a controversial one but I definitely don't believe in just buying whatever tickers you want because "time in the market beats timing the market". Like I said above, time in > timing because of generational wealth, compound interest and ownership. It doesn't mean buying the hottest Reddit ticker because you're in for the long term. Taking well assessed risks with positive and realistic upside is ideal. Spending time to make sure the investment you're about to make is a good investment is smart. If spending a week or two assessing your decision is a way to "miss out on sick gains bro, it'll go up another 50% before you buy", it's probably a FOMO stock and you shouldn't be in in the first place. If patience is key, that means patience with buying is just as important as patience with holding. At the end of the day I'm a believer in ownership. Looking through most of wealthy individuals of today and in history, they all had one thing in common: they maintained possession of assets. They don't sell their portfolios because they're scared of a crash, they don't have their net worth in a savings account. They assume a little bit of managed risk and let their money work for them. I made this post because I have to work on a Saturday and have nothing going on, I hope you at least enjoyed it or disagree with it so we can have some discussion going. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AT&T (NYSE: T) - A stock Guide/Review Posted: 05 Dec 2020 05:46 PM PST Introduction:Good morning/evening everyone. AT&T won over ABBV and PG in the latest poll (on r/dividends). There is a lot to unpack with this stock and it is definitely more controversial, especially in regards to it's debt. Let's take a look at everything it does, the financials, and a quick look at its investments/acquisitions. The dividend and possible growth with also be discussed. AT&T - American Telephone and Telegraph:Sector: Communication Services AT&T is a diversified global leader in telecommunications, media and entertainment, and technology. It operates four segments:
Strengths:
Risks:
Financial History:Before diving into the financials AT&Ts goals need to be discussed. Recently they appointed a new president for the company, their stated goals include bringing down their overall debt, increasing their earnings and cash flow through the HBO and Warner acquisitions, remaining committed to the dividend, and the sale of underperforming assets to streamline capital investments. This first chart will break down their Revenue, Earnings, Debt, and Debt Ratio over the decade. The source of the information is the company 10K SEC filings.
Revenue as increased 5% YoY, it is pretty solid, for a company this large that has been around for as long as it has double digit growth is definitely not expected. Earnings has increased ~9% YoY over the decade, outpacing the revenue, this is nice since it is increasing their margins. Debt has definitely grown at a significant pace, this is largely based off their acquisitions over the recent years. Back in 2015 they acquired Direct TV (gross), and in 2018 Time Warner + HBO. In both 2015 and 2017 you can see the spike in the debt to EBITDA levels above the 3x we would normally like to see, however AT&T has stated they are committed to reducing their debt levels, their stated objective is to bring debt/EDITDA below 2.5x. Already we can see at the end of 2019 that they have managed to bring the ratio down to 2.9, which is a good trend, something that, based on their quarterly earnings this year, they have been continuing. Let's take a closer look at the cash flow, and their debt payments.
Net cash flow is very strong and growing ~4% average. Their CAPEX line has been steady, but note that it does not include the cost of any mergers, acquisitions or purchases. Now, the Free Cash Flow to Equity is looking really weird in 2015 and 2017, the reason there is such a spike in FCF/E is because those are the years AT&T loaded up on new debt, note the spike in Long Term Debt in the previous chart, the influx of cash from those loans is simply being added to the FCF/E here. If they are subtracted the ratio more in line with the $15 Billion they have averaged. Lastly, the debt payments. After the acquisitions, we can see that in 2018 and 2019 they have been making substantial debt payments. Based on the recent quarterly earning they have continued to pay down the debt load. So, thus far we have seen increasing revenues and earnings, strong free cash flow, and an increase in debt repayments. Good trends, yes the company is still leveraged, but not as leveraged as some other companies we have recently looked at (Looking at you IBM - they are currently approx 4x debt/EBITDA) Anyways, let's now take a look at the acquisitions before discussing the dividend. Direct TV:AT&T acquired DirectTV in 2015 for ~$67 Billion dollars. Since then (and even before the acquisition), It has YoY decreasing profits as more and more people move away from traditional expensive cable in favor of streaming. Already they are looking to action off Direct TV, with optimistic guesses it'll likely sell for around $20B Billion. There is no doubt that this was an absolute failure and questionable decision, even in 2015, given the trends. This is one of the largest factors causing the former CEO Stephenson to be replaced. Selling Direct TV would allow AT&T to continue off-loading legacy, and capital intensive segments to boost free cash flow to focus on growth of more profitable (and not declining) company segments. It does come with a stinging loss of over $40 Billion just from the sale alone. The new CEO, Stankey, seems more than ready to just offload Direct TV, use the cash to invest back into the company, and move on. Time Warner (Warner Media) and HBO:These acquisitions were incredibly expensive for AT&T, however, unlike Direct TV, they are becoming significantly more profitable. The profits for Warner Media in Dec 2019 was ~9.5Billion, these numbers are down for 2020, however much of the loss is attributed to the impacts COVID has had to the entertainment industry. Now, the introduction of HBO Max streaming was botched and delayed, this gave significant ground to Disney and Apple as they released their streaming services, however, HBO Max is reported to have ~38 Million subscribers at this point in time, which is ahead of their previous timeframe predictions. Their stated goals are to have over 50 Million domestic subscribers by 2025, and increase the subscription revenue to over $5 Billion by that time. In addition to this, Warner is planning to aggressively push its streaming service in 2021 by releasing every single one of its movies on HBO Max. This move is definitely putting AT&T on the offensive and many are awaiting to see the response from Netflix and Disney will be. Warner does still have agreements with AMC, however over the decade theaters as a whole have been on the decline. This just highlights how significant the move into streaming by Disney and AT&T have been. Yes AT&T was late to the party, but they have their slice of the pie and Warner Media produces tons of movies and entertainment, it will likely continue to have a significant impact to the company's profitability as streaming becomes more and more favorable over theaters and traditional cable. There is a lot more to the Time Warner and HBO piece that will not be touched on here, please do your own research to supplement these points. Let's Take a Look at the Dividend and Price/Value, and Growth:The AT&T is a dividend Aristocrat, its dividend has been paid continuously since 1881 and increased for 36 consecutive years. NOTE: Current for December 2020 and very likely to change.
The payout ratio may seem lower here, however, using the Cash flow from the chart above, in 2019 their total cash flow from operations was $48 Billion, minus the CAPEX of ~$20 Billion leaves around $28 Billion in free cash. According to their 2019 10K the amount paid out in dividend distributions was ~$14.8 Billion. So just about half of the free cash, leaving the rest to be paid towards short/long term debt, or whatever other financing activities. However, AT&T under their new leadership has several ways to go about increasing their margins here. Firstly, they could pay down debt to decrease future debt payments, this is one route they have mentioned they are committed to. Another is they could cut their dividend payment. The new CEO and management have stated they are committed to the dividend, however, this is a route that could be taken to further increase the cash flow for the company which could be used for more aggressive debt payments, and reinvestment back into the company to further stimulate growth and increase the profitability of their Media segment. Note though, AT&T has not been buying back shares at this time, in fact the number of outstanding shares has increased from 5,926 to 7,305. This does dilute the value of the stock, however, over the short term (especially if you are holding more long term), this isn't necessarily bad. You will see less price appreciation, but because they are paying out a dividend it will allow you to accumulate more shares through DRIP, so later on when the company can afford to buy back shares in addition to payout a dividend distribution you will see the benefits from the compounding effect of accumulating shares, and stock price appreciation. This ofcourse assumes that the company will move itself in a position to afford this. So the question you'd have to ask yourself here is whether or not you believe AT&T can manage their debt, whether their telecommunication services will remain relevant, and whether their Media services can turn more a profit. Closing Thoughts:This stock is definitely more controversial but hopefully this post helped highlight some key points. With the new CEO in management it will be interesting to see how AT&Ts current position changes. They have been trending towards completing their stated goals like bringing down debt, and investing into their media services. If you're not sure if you like the company, add it to a watch list, watch its movements for awhile, check out the news from the company. Take your time to research, investing is not a race, more a journey. And, as always, please supplement this with your own research. A quick disclosure, I do own AT&T stock, but that says nothing! Do your own research! There are more risks that need to be considered, read opposing views. Don't just read whatever will validate a preformed opinion. Thanks for reading, and have a good day/night! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Advice on entering the market now? Posted: 05 Dec 2020 11:29 PM PST Hi everyone, wanted to get your thoughts on how I should handle entering the market right now. Technically I'm in the market already through vested stock that I've held for about 2 years. I have yet to sell any of my vested stock (around 1000 shares). I want to diversify now but am worried about buying other stocks right now since everything seems so overvalued. I'm worried a correction will happen and my cost-basis would be terrible. However, I'm in for the long game here and would just buy about 10-20 less-risky stocks (GOOG, AMZN, etc.), with maybe 15% left for riskier holdings. So I'm stuck between a few options:
-Sell and just keep cash ready for if/when the market corrects itself. Any tips on how I can best take advantage of my vested stock? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Doordash (DASH) IPO S1 Filing Summary Posted: 05 Dec 2020 08:01 AM PST Here is a video summarizes Doordash IPO S1 Filing. Hopefully it will be useful to everyone since Doordash IPO is next week. #'s of class A shares offered: 33M Risk Factor:
Upside:
Lock-up Agreement: (discussed in the video). [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| How is the S&P 500 index price determined? Posted: 05 Dec 2020 06:16 PM PST I understand that the S&P 500 is a cap weighted index of roughly the 500 largest publicly traded companies in the US, but I'm trying to understand what the price of the index actually represents. Does it have any interpretable meaning? Is it some percentage of the overall market cap? Why doesn't it fluctuate when the index is reconstituted? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| M1 money supply increased 600 billion in november. 2.2 trillion since March. Thoughts? Posted: 05 Dec 2020 11:29 AM PST Saw this Tweet about M1 money supply. 600 billion candle in november. You can confirm on the FRED, but the monthly candles demonstrate it nicely. Wanted to see discussion about this. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| This strategy seems to beat the market with little risk. Am I missing something? Posted: 05 Dec 2020 02:04 PM PST Assume the following: 1) Bond yields are absurdly low right now. I wait before they get at least somewhat reasonable (3-4%). Under the unrealistic assumption that bond prices never move, this strategy has the same risk and volatility as a 100% SPY portfolio. Essentially, this is a 100/90 stock/bond portfolio, which uses cheap leverage through futures. The main issue with leveraged portfolios is that they always have the risk of margin call and getting wiped out. This can certainly theoretically happen with this portfolio too, but both stocks and bonds would have to massively crash at the same time. As far as I know, that has never happened. If I am willing to accept the extremely unlikely scenario of both stocks and bonds hard crashing, would this strategy work? Or am I missing something? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Long game investors: When did your ETF's compounding really take off? Posted: 05 Dec 2020 06:24 PM PST I have 20k invested in ETF's at 23 years old. I live at home with nothing to pay except a phone bill. I'm probably going to be dumping 3k a month in it for the foreseeable future (3-5 years). When did you see compounding funds really boom? 100k? 300K? 500k? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| What are your top undervalued stock picks right now for the future? Posted: 05 Dec 2020 11:36 AM PST I posted a similar post yesterday, but I wanted a more formal place to talk about other stocks (not only popular meme or reddit stocks). So, what are your current picks for the future either for the end of 2021 or whatever your time frame is and why? It doesn't have to be something that had a recent IPO or anything. I just want to get more discussion on stocks that aren't always talked about on here or ones that will have even more growth than now. You can literally mention whatever ticker you want and why. Wish you the best of luck investing! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pfizer Seeks Emergency Use Authorisation for its Covid-19 Vaccine in India Posted: 05 Dec 2020 09:16 PM PST After its parent company secured such clearance in the UK and Bahrain, Pfizer India has become the first pharmaceutical firm to seek from the Drugs Controller General of India (DCGI) an emergency use authorisation for its COVID-19 vaccine in the country. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Digital currency maybe a great opportunity to invest? Posted: 06 Dec 2020 12:59 AM PST Hey guys, So I am curious about some information I heard. So my girlfriend is kinda critical about......... everything. She showed me a video which claims that on the 23th of march 2020, while the whole stock market was crashing, the US senate debated a law about a digital currency. This law should eliminate all paper money within the next years. So all transactions will be digital. To be honest I do believe that we will experience a very harsh policy about the removal of paper money. We already can see such things in China where they barely use paper money for bigger transactions (1000$ and above). So I just have two questions about this: -what do you think about it? AND -If it is possible that the whole banking system has no more paper for the citizens to use, which company can be used for managing, producing or handling the digital assets or transactions? I would really be interested in investing in some of those IT-companies, because they could bring some good return. I am very curious about this whole topic and do not really know how to handle all the information provided about this. Hope to hear some good opinions! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Major chip shortage will disrupt car production in China, reports Reuter. Effects on NIO? Tesla? Posted: 05 Dec 2020 07:28 PM PST
In another Reuters article:
Some interesting questions:
Your thoughts and expertise are welcome. I couldn't find a lot of information on this as I think this is relatively new info. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| I am new to the investment world so... Posted: 06 Dec 2020 02:10 AM PST Guys/girls, i will be very honest with you, i am from Chile, i am 28 years old and i have been unemployed for 2 years now. Me and my family have been affected first, by the earthquake in 2010 (our house dates from 1880, colonial style house made mostly from adobe, very expensive to repair,), and later by the chilean protests and the COVID-19 crisis. Also, this year the roof of two old warehouses fell, and one entire wing of our home was destroyed due to the long time without being repaired. So after everything, my father decided to start investing from some of his money he saved together with my mother and myself, and together we have around $5.000 USD, i am looking here for advice (i don't know if its a good idea yet), but i think is better to ask for advice instead of just going on. We are not looking to make an incredible profit out of nowhere, i know that is not possible, but at least i would like to know a good direction to follow to not waste our money. Thank you for reading, and thank you upfront for your advice, if i can i will answer your questions if you have any. PD: Sorry for my english! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Dec 2020 10:09 AM PST I got in SHLL at $20 and sold at around $50. It is now sitting at $18, so how did I have a gut feeling this was going to moon? I compared it to it's competitor, NKLA, that recently changed ticker and mooned to an extraordinary valuation for vaporware. Hyliion, on the other hand, had vehicles on the road and had a more realistic idea on how to transform the trucking industry. Well, Hyliion part 2 is happening right now, except it's just getting started. NGA is the new Hyliion, and CIIC is the new NKLA. CIIC, merging with Arrival, is an EV bus and delivery truck maker. While their vehicles look nice, they are nothing but vaporware right now and aren't expecting revenue until 2022, if all goes perfectly. Also, they are promising to build "Microfactories" that will be a self-proclaimed game changer to how commercial vehicles are made. Sounds pretty memeable and it is, which is why its currently valued at 16.6 billion. Buying now would be very high risk, low reward. However, it's lesser known counterpart NGA is decently low risk, high reward. NGA is valued right now at 2.43 bil. That's a massive difference. I'd argue that NGA is only valued this low because it's still very much unknown, just like Hyliion was at 13-14. While CIIC is mooning based on vaporware, let's discuss what NGA has that makes it an attractive investment:
This is one of the best EV opportunities yet based on current valuation and with everything that they are doing. This is many hot companies in one (RMG, SBE, CIIC, etc) come to mind, and you can see how well those stocks are doing recently. This one just announced a DA last week, so it's still very new. CIIC is going to NKLA levels of valuation for nothing but vaporware while a lesser known company with more realistic expectations and a better long term hold NGA is just getting started. The $25 PT I have for NGA would mean it is trading at a mere 2.65x 2023E revenue (CIIC is currently trading at 3.25x 2023E revenue, which I think their revenue projection is insane like FSR, but I digress). NGA has a much easier road of hitting their goals. Also, I'm not saying CIIC is another NKLA as in a fraudulent company. I just think they are overhyped at their current stage. Credit to u/aLifel0ngLearner - Interview with the CEO of Lion Electric to get a general overview of the company. Here TLDR - Buy commons of NGA and watch it go to $25+. NGA is the new HYLN while CIIC is the new NKLA. If you compare NGA to CIIC you get $25+ PT. Disclaimer: All in 100% with 6130 commons at $13.90 avg. Edit 1: People are accusing me of pump and dumping this stock, which I understand how you can come to that conclusion, however, that was not my intention. I'm simply reacting to the current market conditions using the same logic I applied in my past successful trade. Here was a comment I posted to another user on this thread. The point was to showcase that these type of stocks, especially spacs, follow each other very well, moreso whenever they are in the same sector. Nikola went down a lot and so did Hyliion. I'm not pump and dumping anything. I'm simply stating the fact that since NGA closely resembles CIIC and the market is evaluating CIIC at an extreme valuation then it should be logically concluded that NGA is considered to be undervalued. The reason I brought up Hyliion is because the market valuated Nikola at a 16+ bil company at the time, and Hyliion, which was trading at a measly 2.7 bil valuation can be easily interpreted as undervalued which, I believe, is a big part of the reason why it went up to 50+ in the first place. Nikola went down a few notches (back down to 7.25 bil currently), which resulted in Hyliion doing the same, since Nikola was the reason Hyliion was valuated as much as it was. I'm simply reacting to the market and playing accordingly. If the market believes CIIC should be valued at 16+ bil, then NGA is undervalued. The same logic is applied. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Dec 2020 01:05 PM PST I was looking through some of Vanguard's various funds and I came across one of their healthcare index mutual funds. The minimum investment amount is $100,000. Most of their funds are either 1000 or 3000 for the Admiral shares. Can anyone offer some insight on why Vanguard would have such a high initial investment? Do you think that these types of funds offer some significant advantage over the smaller buy in fund? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| More than 500k in bond, what shall I do ? Posted: 05 Dec 2020 10:41 PM PST Totally a newbie in investing here and hope to get some suggestions from experts here on what shall I do to adjust my portfolio. I have $250k in FBND, $150k in FTABX, $100k in VTEB, $200k in stock, and $150k in cash. I feel I have too much in bonds and they only give me 2% return. I plan to sell VTEB or FTABX and buy some ETFs as I am lazy and can hold for a long time. what you guys recommendations ? people are saying there will be some corrections next year, shall I wait until then ? Looking at the market in 2020, I feel I am an idiot holding the cash and bonds. All my friends who invested aggressively have doubled their assets. Those riches get more rich with the printed money. what is the best long term strategy for my situation ? Thanks !! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Dec 2020 09:04 PM PST Hey All, I've been a lurker for a while on this sub but I'm starting to feel a little inundated with investing ideas and information. I have a terrible memory and have to write everything down or else I forget. How do you guys keep track of all of the information that you get from reddit, articles, etc. in a way that allows you to compare different investment options? I've been using excel and apple notes but it seems pretty rudimentary. Is there an app or a method that you would recommend? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fund portfolio in czech republic Posted: 06 Dec 2020 04:08 AM PST Hi everybody, not sure if this is right place to ask so sorry if not. I want to start my journey of learning how to handle money and got in touch with finance advisor. Guy seems fine and all but I'm still having doubts about whole process, mostly caused by lack of my experience. His proposition is following portfolio, with his time-to-time advises about where to move the money around. Does it contain any red flag if meant for 23y with the basic steps covered (emergency fund, living costs, flat..) with aim to save money for distant future/retirement? Payment around 450 dollars per month for 20 years, fees 3000 dollars. With following distribution:
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| Posted: 05 Dec 2020 07:22 PM PST hey everyone, i can't remember the quote exactly but it's from Buffet and it goes something along the lines of 100k to 1 million being doable in a way shorter time period opposed to 1 million to 10 million. i may be off with the figures but i'm sure you're aware about what i'm talking about. the logic was that as the amount of capital required to be invested puts constraints on the type of investments but does anyone know the actual technicals to this? thanks [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Looking to get into a safe balanced ETF Posted: 06 Dec 2020 03:26 AM PST Hello everybody, 4 years ago I kicked myself for not getting in earlier and here I am 4 years later and still haven't made the decision of a balanced ETF for the long term to get the benefits of compounding. My buddy said VGRO which is 80/20 split between stocks and bonds is a good one that rebalances itself. I read 4 years ago to buy a mix of foreign and USA and bonds and rebalance and this apparently does that for you. Fees are 0.02% so they seem fine. Any feedback on this? Is this a good one? I make decent money, I'm 35 and my house is paid off but we are looking to upgrade. Thank you friends. Have a wonderful day. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Dec 2020 07:49 PM PST Note: I am in general an apple fanboy, love their products, and have owned the stock periodically since 2013. However, the valuation of Apple is just getting absurd and no one seems to acknowledge it. Since 2016, Apple's revenue has grown from $216b to $274b in FY 2020. Over that same timeframe Apple's stock has increased from ~ $25 to $122. The end result is a company growing at 5% a year and with 40 times earnings. This valuation is equal to ~ $6k for every American citizen. At a 20% profit margin (which is Apple's actual profit margin) that means Apple needs $30k in sales for every American to recognize a profit equal to its current market cap. In general, people are buying Apple's products at a less frequent cadence than before (e.g., instead of a new iPhone every year, it seems people are moving towards buying a new iPhone every 5 years). I get it, it's all about the services revenue. I agree, that is definitely an avenue for Apple's future. However, that seems more than priced in. There are 380m iPhones in use worldwide according to Statista. Let's just say that Apple can increase market share and cap out at 500 million users. At $10 a month, that implies $60 billion a year in annual services revenue. At a 50% margin (generous) and with that $10 a month revenue per user (very generous), that would imply $30 billion a year in services profit. At 20 time earnings (generous, considering this is high price point and high market share) that would imply $600 billion in value. TLDR: Apple's current market cap is $2 trillion. This is a company growing at 5% a year with significant supply chain, demand, taxation, innovation, and disruption risks. Priced beyond perfection. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Most Anticipated Earnings Releases for the week beginning December 7, 2020 Posted: 05 Dec 2020 08:02 AM PST This Link shows the Most Anticipated Earnings Releases for the week beginning December 7, 2020. This is a resource to use to plan any future investments. Please do all necessary due diligence! $COUP $SFIX $TOL $CHWY $GME $ADBE $COST and more!!! Most Anticipated Earnings Releases for the week beginning December 7, 2020 [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 06 Dec 2020 02:35 AM PST I'm 18 and worked and saved up 10k this year and don't know what to do with it , it's tempting having it (the most money I've ever had) I want to keep making it grow, what is your advice what should I do, what are some solid good investments with good returns I can make at my age (keep in mind this is all cash money too) or what do you have to say as a person with more experience with money than me? [link] [comments]  |
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