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    Daily General Discussion and Advice Thread - January 29, 2022 Investing

    Daily General Discussion and Advice Thread - January 29, 2022 Investing


    Daily General Discussion and Advice Thread - January 29, 2022

    Posted: 29 Jan 2022 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:

    • 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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    Other than Apple and Microsoft, what earnings have impressed you the most so far?

    Posted: 28 Jan 2022 10:29 PM PST

    Other than Apple and Microsoft, which earnings have impressed you the most so far?

    I'm looking to sort through the storm and see which stocks are best during the slow period post earnings and I've liked a couple like LVMUY and Visa obviously.

    But what others that are less talked about have made you consider buying more (or started a position in)?

    I always find earnings to be the best indicator especially in this market dealing with inflation to this level.

    submitted by /u/BurnerBurnerBurns20
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    This correction doesn’t even rank in the top 500

    Posted: 28 Jan 2022 05:00 PM PST

    Refuting this post, if we define a month as 22 trading days, this correction doesn't even rank in the top 500 of one month corrections (since 1927).

    submitted by /u/idontmeanmaybe
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    I finally understand risk tolerance

    Posted: 28 Jan 2022 11:24 AM PST

    I have only been investing for a year, while doing my research I kept seeing the phrase "Depending on your risk tolerance", but I didn't understand what it meant. For me there is a magic number of safe reserve money. I reached that number and found I don't care what the invested money is doing, it's up, it's down, it doesn't matter. For me this is my risk tolerance. I think this applies to the types of investments you make, there is a person specific level where you can go about your day without clicking on marketwatch 12x.

    I hate the stock market and I hated giving a shit what the markets did day to day. If I ever start to care about the market again I will just put more money aside until I don't. Not sure what the point of this post is just sharing my experience I guess, and maybe it will help other people who hate the irrational market and the outsized influence it has on modern life.

    submitted by /u/clusterfucken
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    Adding individual stocks to ETF portfolio?

    Posted: 29 Jan 2022 03:59 AM PST

    Hey,
    I am a 21 year old student from europe who started investing few years ago.
    Currently I have a ~12k ETF World Portfolio but recently received around 28k from my parents which I want to put into the stock market.

    I want to ask if you would recommend me to add some single stocks to my portfolio, so that I might have 30k in ETFs and 10k in few individual stocks?

    Few stocks I'm interested in would be Tencent, BABA, DK, MC, V, PP, SOFI and V, since some of them have declined much since their "hype" and might have the potenial to be profitable in some years.

    I won't need the money for probably 40+ years and also have quite a high risk tolerance, since I'm studying with the outlook to quite a good paying job in ~5 years.

    If you need any other information that would be relevant for advice, feel free to ask.

    submitted by /u/datw4y
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    If you could diversify even more...

    Posted: 29 Jan 2022 06:50 AM PST

    I've seen some on here invest in things like crypto and "fundrise." However if you had some extra money, say $1000 or more, to diversify into an investment. What would it be?

    This is NOT a discussion about what stocks to buy or what crypto to buy nor financial advice. Simply ideas for diversifying investments for the mid to long term.

    Let's say in this scenario, you already have; 401k, 12 months of savings, $0 debt, own your home/livable mortgage or rent, and have an emergency fund.

    Some ideas I really like that I've seen on here is fundrise, buying farmland REITs, rental property, buying a turn key like a carwash or candy machines. What else ya got?

    submitted by /u/MightyMonarch20
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    Can anyone enlighten me as to the exposure of Oil Majors to the Ukrainian Crisis? Particularly Chevron and Exxonmobil

    Posted: 28 Jan 2022 04:48 AM PST

    While an escalation of war would doubtlessly boost oil and gas prices (good!) I am uncertain as to their operations in Ukraine, Kazakhstan, and Russia. What reprisals might they face and how much negative potential exposure is there?

    Is there enough risk to warrant trimming holdings in oil majors who have stock prices that are now rising at fantastic highs? (Particularly Chevron which just hit an ATH this week)

    Many thanks for your time all.

    Current positions: Big holdings in almost all oil majors, midstream pipeline companies, LNG exporters.

    submitted by /u/TrumpsThirdTesticle
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    TIL - If you use margin, sometimes they close out your positions before the market closes.

    Posted: 28 Jan 2022 12:48 PM PST

    I am new to options trading and recently discovered spread trading. Yesterday, I purchased an SPY call spread ( 436/441 call ) that expires today 1/28/22.

    When I made the trade yesterday, I expected a $100 credit as long as the stock closed below 436 at the end of today. Well….it seems my brokerage firm didn't like that I was holding on to the contract (while the stock was above $436) and they exercised my position before the end of the session.

    Long-term spreads are strategies I would like to get more familiar with, but i think that I need to close my position a few days before it's expiration date.

    I'm thinking of trying something similar with SPY but with an expiration 2-3 weeks out. Then setting a sale goal to close the position at a certain profit dollar amount. (taking into account the two dollars in commission and other potential brokerage fees).

    submitted by /u/TLook51
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    Is GS undervalued based on price to book against return on assets?

    Posted: 28 Jan 2022 05:19 PM PST

    Does anyone here have good knowledge of GS please?

    My question: Is there an obvious reason GS's return on assets is higher than the sector average yet their price to book value is lower?

    When screening the financial sector I like to look at price to book against return on assets. The theory being a financial stock that has a higher return on assets should have a higher price to book value compared to others in the sector that have a lower return on assets. This is not the way I value a stock, it is just my starting point to highlight financial stocks that might be interesting.

    GS is standing out as interesting with a price to book value of 1.04 against a return on assets of 1.65% versus similar businesses averaging a price to book value of 1.3 against a return on assets of 1.27% (all TTM).

    I know analysts are forecasting about a 30% decline in earnings for 2022 compared to 2021 and their return on assets prior to 2021 have often been under 1% - do those two points answer my question or is there something else of note or is GS potentially undervalued? Thanks!

    submitted by /u/K2Mok
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    Multifamily syndication performance versus index funds?

    Posted: 28 Jan 2022 05:05 PM PST

    I've been looking at investing some of my money into a multi-family syndication like Praxis Capital but I question how to properly evaluate their historical performance against the performance of the s&p 500 or total stock market index fund? It seems like some of their historical investments have been as high as 19% which would obviously put them at a much better advantage than an index fund. Just curious on what people's thoughts are as far as performance is concerned and if they prefer multifamily syndications for their immediate cash flow and tax efficiency over investing in index funds?

    For context I do mostly invest in index funds today.

    submitted by /u/chaos_battery
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    Roth IRA question regulations

    Posted: 28 Jan 2022 03:44 PM PST

    I'm looking to open my Roth IRA 22 (m) when I make my first initial deposit can I deposit x amount over 6000 ? Or including my initial deposit I can only contribute 6k a year ? I would like to put 10k in but not sure if that's legal . Thank you !

    submitted by /u/mccpapi69
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    Roth IRA question regulations

    Posted: 28 Jan 2022 03:44 PM PST

    I'm looking to open my Roth IRA 22 (m) when I make my first initial deposit can I deposit x amount over 6000 ? Or including my initial deposit I can only contribute 6k a year ? I would like to put 10k in but not sure if that's legal . Thank you !

    submitted by /u/mccpapi69
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    This occupational health company is undervalued IMO ($BLMH)

    Posted: 28 Jan 2022 12:33 PM PST

    Bloom Health Partners Inc. ($BLMH.C $BLMHF) took a pretty drastic hit today on the CSE dropping 18.75%. Personally, I think this could be a blessing in disguise for those looking to invest at a price that is undervalued IMO.

    The main reason why I think $BLMH is undervalued at its current price of $0.26/share is that the occupational health company is providing high in demand covid testing services across the US. Just this month the company has obtained a state-wide contract for testing in Texas for K-12 schools for the remainder of the 2022 school year. $BLHM also has a contract for covid-testing in Alabama Schools.

    Also, this January $BLHM opened a new facility in NJ, allowing the company to serve workforces (including fortune 500 clients, sporting events, film/TV productions, etc.) in New York and other areas in the Northeastern US. This adds to their existing locations in Dallas, Atlanta, Montgomery, and LA.

    Personally, I think that $BLM's expansion and multiple new contracts speak for themselves, making it a total steal at this price.

    $BLMH's MC is $9.601M

    submitted by /u/dedusitdl
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    Experience with Morgan Stanley?

    Posted: 28 Jan 2022 12:50 PM PST

    My net worth is around 15 million, I have 10 million in stocks of company I work for. 1.8 million in investment ( ETF) and other $$ in small stock and house. I was on call with morgan Stanley today they said they'll manage the account and take care of everything but with them I can't buy individual ETF's etc and that's not how Morgan Stanley works. I have an AMT bill that I owe to IRS for around 2.4 million this year. They also said I can take loan against security to pay IRS. Has anyone else used Morgan Stanley? What do you guys think. I mostly sell my company stock and buy ( VOO, PSCH, SOXL). I have a Schwab account that helps create portfolio too but so far I have not invested in bonds. I am 27 and confused, really wanna know why would anyone use Morgan Stanley rather than just buying VOO/SPY etc.

    submitted by /u/teppolisa
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    Impossible to do bear call spreads since December

    Posted: 28 Jan 2022 01:55 PM PST

    Hi, everyone,

    I've been having an awful experience attempting to do bear call spreads to reduce volatility since December. It seems that EVERY TIME I try to do bear call spreads, even picking an 80 delta option with 2 DTE, I not only lose, but lose big. After noticing that the index was finally not making big movements, and hoping it was starting to behave normally, I tried to place a bear call spread again. Guess what? +2% up today!

    You could say it's because I'm near the bottom, but I've had this situation near the top too. I can't ever figure out when it's the bottom (if I did, I wouldn't risk rebounding, naturally).

    Any insights here?

    submitted by /u/Megabyte_2
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