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    Saturday, July 31, 2021

    Daily General Discussion and spitballin thread - July 31, 2021 Investing

    Daily General Discussion and spitballin thread - July 31, 2021 Investing


    Daily General Discussion and spitballin thread - July 31, 2021

    Posted: 31 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:

    • General questions
    • Your personal commentary on markets
    • Opinion gathering on a given stock
    • Non advice beginner questions

    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.

    submitted by /u/AutoModerator
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    Daily Advice Thread - All basic help or advice questions must be posted here. July 31, 2021

    Posted: 31 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:

    • How old are you? What country do you live in?
    • Are you employed/making income? How much?
    • What are your objectives with this money? (Buy a house? Retirement savings?)
    • What is your time horizon? Do you need this money next month? Next 20yrs?
    • What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
    • What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
    • Any big debts (include interest rate) or expenses?
    • And any other relevant financial information will be useful to give you a proper answer.

    Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq 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!

    submitted by /u/AutoModerator
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    Adobe vs Netflix compared (and faang debate)

    Posted: 30 Jul 2021 10:38 PM PDT

    I picked these to compare since they both run a subscription based model and have similar marketcaps (250 billion or so), and pe (54 or so) As of right now im leaning towards adobe, the reason is because they have few competitors, diverse products range. I believe they have better growth potential thanks to better pricing power and more user growth potential. (us&international growth vs netflix primarily international) higher margins (40% vs 16%), stock buybacks (-1% vs +1% dilution), high switching costs better moat, much better balance sheet for adobe.

    On a forward pe, adobe is about 10% more expensive (fwd pe of 44 vs 40) and marketcap wise it is about 25% higher. (adobe makes about 15% more profit) The main benefit for netflix is improving margins over time but I only see net profit margins going to 25% max.

    One thing I want to add for adobe has over 100 products with 60% being creative cloud and that alone has 20-30 famous products like photoshop, primer pro, the stuff you know adobe for. document cloud and digital experience no one knows but that segment is growing like crazy whereas netflix makes 99% of revenue from one main product. the two segments for adobe is mostly business to business like digital marketing, digital signatures, data analytics, ai, ecommerce sales, publishing, and much more and makes 40% of sales and growing in a fast market where things are going more digital (think youtube, shopify, docusign). I just dont see much growth for netflix where pretty much in the us more than 70 million users out of 120 million households have it already.

    But i put up an poll on whats better and everyone said netflix, but no one really explained why? is adobe underrated and should it replace netflix in faang, or is netflix still king and explain why it is better because i dont get the hype and why everyone still use faang for big tech synonym when they are several other growth tech companies like adobe that have much higher marketcap than netflix. anyways, what is your pick on whats the better company

    submitted by /u/doggy_lovers
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    Good screeners that allow setting up alerts?

    Posted: 31 Jul 2021 01:57 AM PDT

    I am looking for an app or website that allows setting up alerts for stocks and options, for instance when prices drop I'd like to get an alert on my phone. Basically I could screen for stuff like tech companies with good revenue growth and scoop them up when they drop.

    I know Finviz Elite has email alerts, but they don't have mobile ones (for example SMS). Also they don't have options data.

    Looking forward to any suggestions!!

    submitted by /u/pigfail
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    ‎About to start my 401K with Fidelity. Is there a better robo-investment option like Betterment that can use pre-tax income?

    Posted: 30 Jul 2021 01:58 PM PDT

    I just moved to the US so just wanted to make sure I do it right the first time.

    I used to use Betterment five years ago, but it was straight from my earnings after tax deduction but I made a good 4-7% annual off of it.

    Now that I'm married, and having moved to the US, my position is offering me an option to start a 401K with Fidelity. But postpandemic, I feel that now is a good time to start with a robo investing pension plan instead, so long as it has access to my pre-tax income. Is that even possible?

    submitted by /u/TareXmd
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    Osmium, the next big thing?

    Posted: 31 Jul 2021 03:48 AM PDT

    Osmium... Completely unknown and exactly because of that a huge opportunity. The rarest precious metal and the rarest stable element on earth. Thousands times less than gold is mined every year. The Bitcoin of metals... Crystallized, it is increasingly attracting attention in the jewelry market instead of diamonds. Cast, it can also be purchased as fused beads. It shimmers bluish and is the densest/heaviest stable element in the universe. Go to www.reddit.com/r/Wallstreetosmium to learn more about it. It is really incredibly rare and very easy to squeeze. Soon to be publicly tradable on TM2 Metals in addition to the physical commodity.

    submitted by /u/TimHack
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    Dividend growth fund (VDIGX) in taxable account?

    Posted: 30 Jul 2021 06:44 AM PDT

    I'm 20 years old and I have about half of my brokerage account in VDIGX. My ROTH is 100% VTSAX and currently maxed. I have heard that dividend funds should not be held in taxable accounts. My income is currently low but is expected to climb in the long run. What would be some recommendations or ways to correct this? Do I transition my holdings to ROTH or continue holding? Would it be beneficial if I exchange those shares for VTSAX?

    submitted by /u/Reptar313
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