Daily General Discussion and spitballin thread - July 03, 2021 Investing |
- Daily General Discussion and spitballin thread - July 03, 2021
- Daily Advice Thread - All basic help or advice questions must be posted here.
- S&P 500 rises for a 7th straight day after strong jobs report, best winning streak in 10 months
- How would you recommend investing $75k that I do not need for the foreseeable future?
- Taking profits and reinvesting without getting crushed by taxes?
- Benefits of traditional ira over roth ira
- how much did corsair pay to acquire the companies?
- 401K rollover with Backdoor ROTH IRA: can I roll a it every year right after Backdoor ROTH?
- Can someone take a moment and explain cash secured puts to me?
- Are there flaws in this defense of dividend investing?
- So how do you make good stock picks if 'past results are not indicators of future success' and if that is true doesn't that imply 'fundamental analysis' is worthless?
- What events affect stock prices most?
- Funds to Consider (Long-Term)
- Advice on investing strategies, is it better to use ETFs or individual stocks?
- Best resources to learn about bond investing?
- For those who invested in low MER index ETFs, how is it paying off so far?
- Placing ROTH IRA contributions into SPY vs FZROX, benefits & negatives?
- SPAC mergers and pre-SPAC results
- Am I on the right track as a new, long term investor?
- SCHD beating VTI in Monte Carlo Simulation. But HOW Is This Possible?
- PMCC question: what if my covered calls got breach and get assigned?
- Why is record keeping fee so high for vanguard?
| Daily General Discussion and spitballin thread - July 03, 2021 Posted: 03 Jul 2021 02:01 AM PDT Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here! This thread is for:
Keep in mind that this subreddit, and this thread, is not an appropriate venue for questions that should be directed towards your broker's customer support or google. If you would like to ask a question about your personal situation or if you are asking for advice please keep these posts in the daily advice thread as that thread is more well suited for those questions. Any posts that should be comments in this thread will likely be removed. [link] [comments]  |
| Daily Advice Thread - All basic help or advice questions must be posted here. Posted: 03 Jul 2021 02:00 AM PDT If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:
Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources. 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! {{date %B %d, %Y}} [link] [comments]  |
| S&P 500 rises for a 7th straight day after strong jobs report, best winning streak in 10 months Posted: 02 Jul 2021 01:56 PM PDT
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| How would you recommend investing $75k that I do not need for the foreseeable future? Posted: 03 Jul 2021 04:36 AM PDT I have around $75k or slightly more that I was saving for a house. I ended up being able to save even more due to prolonging the home purchase and used that extra money for the down payment (just purchase home). I have another $75k in reserves as a safety fund. Any suggestions on where the best place to invest this would be assuming I don't need it for a few years? Index funds, real estate etc? Additional info: I max out mine and my wife's Roth every year and our 401ks. I also contribute to my kids college funds. Thanks in advance! [link] [comments]  |
| Taking profits and reinvesting without getting crushed by taxes? Posted: 02 Jul 2021 07:10 PM PDT I've had a lot of great growth in the past few weeks on my new portfolio I set up (Then again, haven't most of us?). My goal was take the profits and slowly reinvest them into a new etf to diversify and build up more options for growth. The issue is a simple one. If I can make $100K off of all of these funds combined I want to take that and put it into an etf / stock of its own. It's just that the taxes will most likely be pretty rough. Paying taxes isn't a big deal, I'm only wondering if there is some type of difference between "taking profits" and reinvesting since the money is not going into my bank account but into other funds. Is there a strategy to this or do the taxes just need to be paid? [link] [comments]  |
| Benefits of traditional ira over roth ira Posted: 03 Jul 2021 02:52 AM PDT Can someone explain the benefits of a traditional ira versus a roth ira? I never understood why middle and high income employees prefer traditional iras over roth iras. Why? I was just offered a full-time job with decent pay and great benefits. In the package, it mentioned I have the option to use a traditional ira and it mentioned a benefit of this is it isn't as "limited" as a roth ira. I am not familiar with this type of stuff so can someone please explain the difference in laymen terms and in what cases a traditional ira is better than a roth ira. Thank you so much. Take care. [link] [comments]  |
| how much did corsair pay to acquire the companies? Posted: 03 Jul 2021 04:54 AM PDT it looks like in 2018 corsair bought elgato. and in 2019, they also bought SCUF and Origin. how much did corsair pay for each of them? i cant seem to find that information on google. even though normally, when a company buys another it lists what its buying it for. in addition, is there a reason why this information is so hard to find? or am I just not trying hard enough? with other acquisition news, its always in the headline how much a company acquires another company for. or even what the planned buyout price is. but with corsair, i cant find a single information on all 3 of the acquisitions. even in the article itself. [link] [comments]  |
| 401K rollover with Backdoor ROTH IRA: can I roll a it every year right after Backdoor ROTH? Posted: 03 Jul 2021 04:33 AM PDT So here's the situation: I will soon start a new job and have the option of either 1. leaving my 401K with my current employer, or 2. roll it over to my new one, or 3. roll it to a self-directed rollover 401K I want to be able to self-direct at least a portion of it, but that would complicate my Backdoor ROTH, so I am thinking about this plan: 1. Backdoor ROTH in early January (edit: I would put $6000, post tax, in a empty traditional IRA account, and transfer the money to a ROTH IRA as soon as the fund is in place, and this is NOT from my 401K), then 2. Immediately after that is done, roll 10% (for example) of my old 401K to a self-directed rollover401K/trad IRA 3. Manage this account for 11 months and roll it over to my new company's 401K before December 31 Since 8606 form would only care if you have any money in your traditional IRA on December 31 of that year to determine your tax on Roth conversion, as long as the rollover money is in and out before that day, there shouldn't be any implication right? [link] [comments]  |
| Can someone take a moment and explain cash secured puts to me? Posted: 02 Jul 2021 01:34 PM PDT So, like the header says, im looking to make 100 a week in income, and I wouldn't mind being assigned the stock if my put goes in the money. OKE is the stock im interested in, I've currently got enough cash to outright buy 200 shares but I've heard a little about selling puts to get a discount on stocks you want to own and being very new to options I just wanted to make sure there wasn't something glaringly obvious im missing. If I sold the contracts at the money or slightly in the money is there something that's going to bite me in the ass that I'm not comprehending? Thank you in advance if you take the time to help me. I'm also interested in other dividend stocks, and being a new investor 6 months I'd appreciate some pointers. [link] [comments]  |
| Are there flaws in this defense of dividend investing? Posted: 02 Jul 2021 09:10 PM PDT My view of dividend investing is in line with the Dividend Irrelevance theory and my albeit limited research thus far suggests dividend-based ETFs tend to underperform market-based ETFs in their specific segments. I recently came across this argument in favour of dividend investing - https://www.thedividendguyblog.com/etf-vs-dividend/ To me one weakness seems to be quite a bit of the performance data used to support his argument is based on a relatively short timeframe. Are there any other glaring flaws in the arguments he presents? [link] [comments]  |
| Posted: 03 Jul 2021 03:30 AM PDT People were saying to me the other day that looking at the previous charts of a general trend upwards is worthless since it doesn't indicate future trends but isn't that the whole point of fundamental analysis and what Charlie Munger and Warren Buffet base their stuff off of (among other things)? I don't see how 50+ years (for example) of a general uptrend could be 'worthless' and not at all indicate future likelihood of success. Sure it isn't 100% but isn't it just like saying in quantum mechanics nothing is impossible but still it is highly probable that you won't suddenly fall through a solid wall. The longer the charts had trended up the more likely they would in future no? If not why not? and also if not then what signals should you base your picks on instead? [link] [comments]  |
| What events affect stock prices most? Posted: 02 Jul 2021 01:43 PM PDT Hey I'm a new trader and wanted to start following events that often affect stock prices. Things like earnings reports, annual reports, quarterly reports, 10k 10q etc etc. But also like tech conferences, business conferences, foreign policy events etc. Anything that can cause big shift in the markets. Please let me know what you follow for news, any good sites? and plz rank things somewhat in importance of what can affect stock prices the most or most often. thanks [link] [comments]  |
| Posted: 02 Jul 2021 11:06 PM PDT Fidelity, Vanguard, FZROX / FSKAX, VOO / VIG, where to begin? With more than a few funds and ETFs to choose from regardless of broker, it can be a little overwhelming to make a decision! Unfortunately, I can't answer that question for you... But perhaps a consolidated list of funds (with summaries) that have been recommended to me, I've come across, or am invested personally in could be of some use to you: Vanguard (Fund / ETF)
Fidelity
Disclosure, I have positions in VTSAX, VEIRX, VGSLX, VFAIX and made my decisions based on I already had Vanguard at the time and didn't know about Fidelity's options--this is not financial advice! [link] [comments]  |
| Advice on investing strategies, is it better to use ETFs or individual stocks? Posted: 02 Jul 2021 11:02 AM PDT Im just wondering if there are any downfalls to solely investing in ETFs vs individual stocks. Right now my portfolio is pretty much just 4 ETFs: VYM, VYMI, SPHD, and VOO. I do have a few shares of apples that I bought after the stock split last year that I'm holding on to. I originally choose ETF investing because I'm just lazy and didn't want to do the research on my own. Is there a downside to this approach and should I start looking at investing in individual companies? So my question is fairly straightforward but the auto mods removed my last post because it was too short so I'll try to add some unnecessary characters to make sure the post is over 400. Thanks in advance for any and all advice! [link] [comments]  |
| Best resources to learn about bond investing? Posted: 02 Jul 2021 02:39 PM PDT I would really like to learn about bond investing. [link] [comments]  |
| For those who invested in low MER index ETFs, how is it paying off so far? Posted: 02 Jul 2021 03:59 PM PDT I have read books saying that passive investment is a good strategy and that I should invest in index ETFs, rather than buying actively managed mutual funds and working with a financial advisor, or picking individual stocks. I have seen this advice countless times. I would like to hear stories of people who followed this strategy, and how this has payed off for them, especially if you've been in the game for a while. I am following this strategy myself. For those of you who passively using simple low MER index ETFs like VOO, how is your portfolio doing? Do you get impatient sometimes, and what do you do when that happens? [link] [comments]  |
| Placing ROTH IRA contributions into SPY vs FZROX, benefits & negatives? Posted: 02 Jul 2021 11:18 AM PDT Hey everyone, first off, thank you in advance!!! Young investor (18) here who just opened a Roth IRA with Fidelity. I'm taking a look at dumping my first contributions into either FZROX or SPY. Everywhere on this sub and elsewhere, I see people generally say to avoid mutual funds because they underperform due to fees. But, supposedly this fund has zero fees? My original plan was just to keep putting all of my contributions into SPY but now that I've learned of FZROX, I'm at a stop. Any advice/words of wisdom will be more than appreciated!!! [link] [comments]  |
| SPAC mergers and pre-SPAC results Posted: 02 Jul 2021 07:24 PM PDT Many people have noticed and been confused by the fact that many SPAC merger companies have apparently disparate financial results. The SPAC company's pre-merger results filed with the SEC don't match with the results presented by the acquired company in it's investor's prospectus. This is because the SPAC had no revenue or business prior to acquiring it's target and the target company's financials don't go with it to the SPAC company On a recent thread about SOFI I noted that there are no financials for the company shown in my Schwab account - surely for the reason mentioned above. Several people pointed me to the company's investor relations pages, where some financial data for the company prior to the merger is presented. The data, however, is not nearly as extensive as the data available in an SEC filing. This brings up the question: is the financial data presented in on the company's website held to the same auditing standards as would be required if that financial information was submitted to the SEC for required reporting? [link] [comments]  |
| Am I on the right track as a new, long term investor? Posted: 03 Jul 2021 12:56 AM PDT Basically, I've started two months ago. So far I have picked three ETFs and three stocks that I want to hold for long term growth: I chose these mostly because, ETFs are great for something like me starting out for the long term. I don't want to gamble which is why I don't trust crypto. I figured since, VOO is basically my "safety net", I would put the majority of my equity onto VOO. I know with great confidence that even if in the short term something happens, long term, VOO is fine. I then went and got both value/growth ETFs. Since I'm looking for growth, I would put more into VUG, and if I *really* need to, move to VTV for a bit more safety since VUG is a bit more risky. Next, V/AAPL are ones that I picked simply because I know they'll be around. Money will always be a thing, even if there are fears of inflation, which has always been around. AAPL got my eye because it's both a blue chip company with still a lot of growth potential. SNAP is just something I know personally, use every day, and understand, so I invested in it as well, even if it is the most riskiest thing here. I know that V/AAPL are already in VOO but I like them as stocks as well. But what do you think? Is this alright? [link] [comments]  |
| SCHD beating VTI in Monte Carlo Simulation. But HOW Is This Possible? Posted: 02 Jul 2021 03:52 PM PDT I tried doing 2 Monte Carlo simulations on www.portfoliovisualizer.com In 1st portfolio I had 70% VTI, 20% VEU (ex-US ETF), 10% GLD. In 2nd portfolio I had 70% SCHD, 20% VEU, 10% GLD. Exact same options were chosen in the detailed form. I opted for same 4% withdraw rate. It shows the portfolio with SCHD beating VTI portfolio easily, over next 50 years. But HOW IS THIS POSSIBLE? VTI should win easily right? I was trying to see how much total return am I going to lose if I chose cashflow from dividends. But the result came out opposite! [link] [comments]  |
| PMCC question: what if my covered calls got breach and get assigned? Posted: 02 Jul 2021 11:51 AM PDT Hi, Hopefully a straightforward question. I understand, in order to be allowed to do PMCC (in TD Ameritrade, TOS), I would need a margin account. So I know the first step is to buy a ITM call (hopefully expiring in a year, LEAPS). Say Stock ABC is $100. I bought a call Strike Price $90, expiring in a year. I then sell a Covered Call Strike Price $120, expiring at the end of the month. Simple question. What if at the end of the month, the stock went to $140, the thing that would happen is the 'system' would take away or close out my call that I bought? Would I ACTUALLY have to have $9000 ($90 x 100 shares) in the account, or the system just going to close out the call? (or am I even explaining this correctly... forgive me) [link] [comments]  |
| Why is record keeping fee so high for vanguard? Posted: 02 Jul 2021 10:12 AM PDT I literally started my 403b with my employer less than a month and I only contributed 2 weeks and those 2 weeks I contributed a total of $22 because I'm just a part time employee so I don't want to contribute much yet. Today I woke up to see my check my roth ira account opening on fidelity and now I only have $11 left in my 403b. That is literally half my investment gone for record keeping for vanguard?? It's not even worth it if I have to pay this much for fee monthly because all my gain literally meaning less. I will start investing in my roth ira, am I gonna charged the same? [link] [comments]  |
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