Daily General Discussion and Advice Thread - December 28, 2021 Investing |
- Daily General Discussion and Advice Thread - December 28, 2021
- A business I started seven years ago with some partners is really starting to pick up pace and I have about 25-35k a month coming in for the foreseeable future in distributions, wondering what is normal rates for investment firms and terms I should or should not sign.
- US vs. the rest of the world
- I Bond Emergency Fund Strategy
- What do you think about inflation linked US Treasury bonds?
- Is FSPTX a risky index fund to buy into?
- What Advice Would You Give Yourself If You Were To Start Investing Today?
- How do you DCA in a leveraged account?
- Expectations and asset allocation for 2022
- Is there REALLY a need to devote any significant portion of your portfolio to international?
- Tom Lee and Gene Munster both see "treacherous" early 2022 for big tech and the stock market
- How often to lawsuits like this Ginko Bioworks $DNA one happen, and how serious is this?
| Daily General Discussion and Advice Thread - December 28, 2021 Posted: 28 Dec 2021 02:01 AM PST 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! 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! [link] [comments] |
| Posted: 27 Dec 2021 02:25 PM PST I already swallowed the hard pill of learning I'm not a good trader, luckily it only took about 10k for that to sink in. I have a vanguard I buy SPY with each month but I want to hand the money over to a professional or continue in index fund trading. I am worried of getting myself into something where they talk me into letting them have an extra 2% above normal (don't know what a fair rate is) and it screws me over the next decade. Also been reading a lot of articles saying SPY returns will drop hard over the next few years from 8%-3-4 although no one can see the future. If anyone has advice on good funds and what is a fair rate to pay a firm for management I would really appreciate the input and advice. I've seen old family friends who lost savings and a huge amount of their wealth in situations I know could have been avoidable if they had someone to warn them. [link] [comments] |
| Posted: 27 Dec 2021 08:08 AM PST In the past year US market outperformed (by far) pretty much everything else, including the Japanese Nikkei, the Korean KOSPI, and the EU (DAX, etc). Comparing, for example, NASDAQ vs. KOSPI performance year-to-day the former is up 25% while the latter is actually down 0.5%. S&P500 vs. DAX - the former is up 27%, the latter is up only 5%. S&P500 vs. Nikkei225 - 27% vs. 5%. It may be partially explained by higher inflation in the US, but that can't be all. There must be other factors. Ideas? As a side note, KOSPI is down while everything else is at least somewhat up, so what's wrong with the Korean market? [link] [comments] |
| I Bond Emergency Fund Strategy Posted: 28 Dec 2021 05:03 AM PST Hi all - recently heard about I bonds and would appreciate it if y'all could poke holes in this strategy. Currently have 25k emergency savings and 25k in the market (mostly blue chips). I'm thinking of purchasing 20k of I bonds with our emergency account and using that as my (and wife's) emergency savings account. I assume they are similar to stocks where when you sell it takes several days to clear and funds transfer to your account. For that reason I would build the emergency fund up to 10k and sell stocks if an emergency came up in the first year before I could access the bonds. I don't think I would keep more than whatever my emergency savings amount is in bonds because historically they earn less than VTO but am in favor because the ~3-7% return is much greater than a savings account. To me this seems like a no brainer but would appreciate any criticism of this plan. [link] [comments] |
| What do you think about inflation linked US Treasury bonds? Posted: 27 Dec 2021 08:04 AM PST You can buy up to $10,000 Inflation linked US Treasury bonds per person per calendar year and I am considering doing so before the year ends. The interest on these bonds is a combination of the base interest (which is 0% now) and inflation. The current interest rate is 7.12%, compounded semi-annually. The "catch" is you can't touch the money for one year. Then if you pull out the money before five years, you lose the last three months of interest. Also the interest rate will change and probably fall below its current rate in the future, but can't go below 0. Would you guys recommend this? It seems like a really good return. Right now most of my investments are in the stock market so this seems like a way to diversify risk with little to no downside. [link] [comments] |
| Is FSPTX a risky index fund to buy into? Posted: 28 Dec 2021 04:57 AM PST So I recently purchased FSPTX like 6 months ago. It's the fidelity select technology portfolio. It's literally one of their select funds. Put a couple thousand in it, and it was doing fairly well. Checked a couple weeks ago, and my value in the account was negative. I had lost 3.5% overall. Fast forward to today, after a couple weeks of it climbing back up slowly but surely, it is barely ahead. My overall gain for this fund is 1.5% compared to my FSKAX, total market fund, which has a growth of about 6% over the past year. So it makes me wonder. Is it risky to have this FSPTX account? Considering that It has gone up and down so drastically? We're not even talking about a.com bubble burst here or anything. Just normal ups and downs, and it often dips down ridiculously low. [link] [comments] |
| What Advice Would You Give Yourself If You Were To Start Investing Today? Posted: 27 Dec 2021 04:31 PM PST Okay first off I'd like to say that this subreddit probably gets this question or similar on a daily basis, all I'm really looking for is basically advice or key aspects to look for in Forex, and maybe a good starting point. A bit about me I am a 17 year old guy, from the UK, really want to get into stocks or even forex (still deciding). What would be the easiest way to learn before starting or during the early stages? Really would appreciate anyone who could help me out with the processes. Dms or replies would be amazing, or even on discord Insta#9633. Much appreciated! [link] [comments] |
| How do you DCA in a leveraged account? Posted: 27 Dec 2021 08:25 PM PST If you have an account that you want to leverage up, let's say to a max 2:1 ratio of stocks to margin debt, how should it be maintained when normal market fluctuations make the ratio deviate from the desired ratio? Should you use your savings portion of salary to:
[link] [comments] |
| Expectations and asset allocation for 2022 Posted: 28 Dec 2021 03:47 AM PST Hey guys, With 2022 approaching ever so quickly, I was wondering what your approach to the upcoming year is in terms of asset allocation. I must admit that 2021 ended with quite a few developments that I would not have expected at all. In spite of supply chain issues, rising inflation, the continuous disruption of economic processes by COVID variants and an approaching end of the Fed's more than generous support of the US market, most of the large indices are trading at or near their all time highs, with no signs of a short-term slowdown (granted the volatility has been up as of late mostly thanks to Omicron). I honestly never would have expected markets to keep the course this easily with all the above mentioned uncertainties/headwinds coming at them. With that being said, what are your macro level expectations for 2022 and how does it affect your overall asset allocation? I for starters am sitting on a relatively big pile of cash waiting to be deployed once markets cool down. My underlying assumption is that we are going to see some sort of major correction in the near to mid future and I'd like to profit from that. With that being said my current allocation looks something like this: -37,5% in real estate (as investment, not personal) -23,5% in a 2,8% yielding life insurance -19,5% in stocks -18,5% in cash but intended to be in stocks eventually -1% in other financial assets So what are you guys' thoughts going into 2022? Are you intending to modify your allocations once the fed raises the interest rates? And how are you currently allocating your assets? Looking forward to hearing about your approach to 2022! :) [link] [comments] |
| Is there REALLY a need to devote any significant portion of your portfolio to international? Posted: 27 Dec 2021 09:18 AM PST I ask this because some of the biggest US companies already ARE international. Apple, Google, McDonald's, and Nike for example are massive companies that are US-based, but are not exclusive to doing business in the USA. Many people devote 10% of their portfolio to international companies. But I feel that most people already have that 10% international exposure with massive US companies. Thoughts? [link] [comments] |
| Tom Lee and Gene Munster both see "treacherous" early 2022 for big tech and the stock market Posted: 27 Dec 2021 02:44 PM PST What strikes me is that even Tom Lee the ultimate bull is warning for caution in (keyword) EARLY 2022. Gene Munster: "Loup Ventures analyst Gene Munster warned investors to "brace yourself" for a potential correction in Big Tech during the first three months of 2022, as the market comes to terms with the likelihood that higher interest rates will force valuations to contract." However, Munster specifically highlighted high valuations for names like Amazon (NASDAQ:AMZN), Netflix (NASDAQ:NFLX), NVIDIA (NASDAQ:NVDA), Tesla (NASDAQ:TSLA) and Rivian (NASDAQ:RIVN). Munster quickly added that he believes in the long-term value of Big Tech but that earnings and revenue growth in 2022 will not be enough for most companies to overcome the contracting valuations that traditionally come with rising interest rates. Tom Lee: ""For next year, I think it's going to be treacherous. I think it's going to be a much tougher year than 2021, and one of the reasons is you have the midterm elections," said Lee, in a telephone interview. "You've got the Fed raising rates and liftoff, and it looks like it's going to happen before the middle of the year, and you still have the lingering issues of the supply chain and inflation and Covid. "I think it's easily flat or down in the first half. So, I think we could be negative year-to-date by the middle of the year" [link] [comments] |
| How often to lawsuits like this Ginko Bioworks $DNA one happen, and how serious is this? Posted: 27 Dec 2021 08:13 AM PST https://finance.yahoo.com/news/kessler-topaz-meltzer-checker-llp-133200765.html I don't actually own stock in this company, but the concept is something I am interested in. I can see applications in everything from agriculture to carbon sequestration to industrial chemical manufacturing if a company legitimately nails the Ginko Bioworks model. The problem is, I am new enough to trading that I have no way to gauge the seriousness of a lawsuit like this. Are these common and part of working in fast paced cutting edge technology where someone is always unhappy, or is this a pretty serious turn of events? I understand answers are not financial advice, and am pretty content to sit on the sidelines until experimental technology produces some revenue. [link] [comments] |
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