Daily General Discussion and Advice Thread - January 31, 2022 Investing |
- Daily General Discussion and Advice Thread - January 31, 2022
- Need a late to the game retirement plan with about 80k in hand
- Constantly checking your portfolio is costing you a lot...probably
- Games Workshop (GAW) DD my first so please give any tips!
- what is your process of finding the ideal investment?
- Is coffee a good investment, and if so, what is the best way to invest into it?
- How much does it actually matter to have tax-free growth?
- Recommendations for educational materials?
- Expect a Coinbase and Shopify partnership soon
- Where can I find historical dividend data for the S&P 500?
- Stupid question, how do growth stocks make you any money as opposed to dividends?
- When Do You Consider It To Be Too Late To Start Investing For The Average Individual?
- Would I be wrong if i invest only in Tech ETFs and Pharma/Healthcare ETFs for the VERY long term?
- Thoughts on buy and hold for companies with a negative EPS
- Why did Bernie Madoff not invest some of the money in his fund?
- Could the federal government (US) invest in the stock market to increase liquidity?
- Don’t allow your emotions to compromise your investments
- First time back door Roth IRA conversion question.
- Best platform for foreign investing including Russian stocks?
- How bad was investing in January of 2022 compared to March of 2020, *really*?
- Momentum based pre market strategy
- Choice between two world ETFs - European
| Daily General Discussion and Advice Thread - January 31, 2022 Posted: 31 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:
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] |
| Need a late to the game retirement plan with about 80k in hand Posted: 31 Jan 2022 08:24 AM PST I am a retail manager (58M) making about 90k and living in South Jersey outside of Philly and an hour from Atlantic City ( I don't gamble lol). When Covid hit I grabbed about 80k of my 100k in my 401K with the thought of putting this money to work for me. I'd be willing to invest 50k with a medium risk factor. We are married 39 years she makes about 15k. I've played with buying gold and it doesn't seem to appreciate quickly enough. Buying a rental property. I lean heavily in this direction of buying something as part of a group or in a lower income area such as Camden City or Atlantic City. Buying 10/20k of Reddit during their IPO . I'm a bit entrepreneurial but never seem to make money/get personally get ahead from my skills. Thanks [link] [comments] |
| Constantly checking your portfolio is costing you a lot...probably Posted: 31 Jan 2022 09:51 AM PST So we're all in this sub because we have discovered the wonder of investing and saw how it can create long-term wealth for ourselves and our families. However, investing is one of those odd activities where the fruit of the labor actually comes from inactivity and patience rather than constant activity. As a result, constantly looking at your portfolio every day or even every hour for some people will most likely lead you to make short-term price-based decisions. More often than not, decisions based on price or how the market is doing on one particular day end up costing you a lot of money. Here are some studies to help get some perspective on this:
So what are the implications? It is simply better to remain invested in the market and continue to DCA over time, even during downturns. As the saying goes: "Time in the market is better than timing the market" [link] [comments] |
| Games Workshop (GAW) DD my first so please give any tips! Posted: 31 Jan 2022 08:57 AM PST Games Workshop is a solid UK company with a div yield of 2.13% at time of writing. In recent months it's share price has been suffering, down 35% from its September highs due to supply chain issues. I think this is an excellent buying opportunity with constant year on year growth. Net profit £30 million in 2017 to £122 million last year. Whilst generating these profits, the company maintains a motivated staff, giving all employees £5000 worth of shares. Moreover, the company is just starting to exploit the revenue growth which can come from its iconic Warhammer IP. Licensing it out to companies such as CA who are releasing total war Warhammer III next year, Hasbro will be producing an MTG set based on Warhammer 40K and Panini have just announced that they will produce a range of Warhammer collectibles. Last year licensing income was £19 million, this clearly has much more room to grow. Furthermore, Eisenhorn a TV series (Hopefully featuring Henry Cavil a self-professed Warhammer fan) is being released soon, this along with their recently released Warhammer+ service can grant further growth. Whilst it does have a 20x p/e it has a near-monopoly on the sector, with Asmodee a similar company with a much weaker IP being acquired for £2.4B This company with £2.542 bil mkt Cap is therefore severely undervalued at the moment. [link] [comments] |
| what is your process of finding the ideal investment? Posted: 30 Jan 2022 10:05 PM PST There are potentially millions of investment opportunities out there for retail investors. Obviously you don't have the time to scrutinize every single one of them in detail to determine whether this one will bring the most return. So you need some rules of thumb to filter out the worthless ones and focus on the ones with higher potential. What is then your process of doing so? How much time for every, say per month, do you spend to do research? [link] [comments] |
| Is coffee a good investment, and if so, what is the best way to invest into it? Posted: 30 Jan 2022 10:45 AM PST Coffee is one of the, if not the, most popular beverage in the world with estimates suggesting more than 2bn cup of coffee are consumed per day. As developing nations continue to grow, I can only imagine that coffee chains and shops will proliferate even further, and in the west, popularity of buying your own beans from roasters is growing as more and more people move away from instant coffee. On the supply side, studies such as this one suggest that the future global supply of coffee is under threat due to climate change, likely leading to sustained and significant price increases for the commodity. https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0261976 However, looking at the price of coffee over last 24 years, it seems to be quite cyclical https://tradingeconomics.com/commodity/coffee And the only proper coffee ETF I am aware of has only started performing well last couple of years, and has gained approx 30% in last 5 years https://uk.finance.yahoo.com/quote/JO?p=JO&.tsrc=fin-srch Anyone have any insight on this topic? [link] [comments] |
| How much does it actually matter to have tax-free growth? Posted: 31 Jan 2022 10:54 AM PST 401k, IRA, HSA, 529... there are a number of ways to put money somewhere it can grow tax-free. I'm wondering: how much does it actually matter? A lot of folks (myself included) are investing in something simple like VTI / VTSAX. Related follow-up question: early withdrawals from a 401k have a 10% tax penalty. Is there a point where it's better to stick the money into the 401k and withdraw it early, with the penalty, because of the tax-free growth? [link] [comments] |
| Recommendations for educational materials? Posted: 31 Jan 2022 12:04 PM PST I'm nearing what I had hoped to be my target retirement age; I'm 56 and loosely targeting age 60 or so. I've worked hard to move my investments into the right allocations, adjusting a bit as I got closer while striking a balance to preserve growth power in the home stretch. But does anyone know of any web sites/articles or books that talk about any moves to make in the final 5-10 years with accumulated savings? I.e. "you should move money here, concentrate contributions there, re-route the bulk of your final push here" type stuff? I just want to make sure I make any move that I really need to if it takes some time to accomplish, etc. I wanna take the final half dozen years to do those moves, etc. [link] [comments] |
| Expect a Coinbase and Shopify partnership soon Posted: 31 Jan 2022 12:30 PM PST From Coinbase's Twitter Account today:
Most likely implication: Shopify will be integrating payments with crypto into their businesses soon. A partnership seems highly likely - stay on the lookout for an announcement! [link] [comments] |
| Where can I find historical dividend data for the S&P 500? Posted: 31 Jan 2022 10:47 AM PST I'm trying to calculate historical overall returns for the S&P 500, for some financial discussions I'm having with friends/family. I've found 100 years worth of daily price data for the S&P 500 here, which is excellent. However, it only includes the share price over time, and doesn't include what dividends were and when. Does anyone know where I can find this? P.S. - If anyone knows any other large indices that go back around as far, and have price + dividend data for those, I'd also be interested in that. [link] [comments] |
| Stupid question, how do growth stocks make you any money as opposed to dividends? Posted: 31 Jan 2022 08:52 AM PST This seems really stupid I know, but I am a first time investor looking to put my tax return into the market. I just don't understand why people would go with growth stocks over dividends? I watched a video of a guy saying that you should use your dividends to reinvest to get more dividends, and eventually the annuity takes off since you are continuously reinvesting everything. That makes perfect sense to me. Eventually if you invest enough you can just live off the dividends, but that's after a tremendous amount of money. However, I just don't understand how annuities could work with growth stocks. Isn't the point to just put the money in and let it grow? You aren't getting paid anything, so it won't grow to the point where you can get additional stocks from it like you could through reinvesting dividends right? Are there any annuities that snowball eventually like with dividends? And my last questions, how do people retire from growth stocks? You can't cut a stock in half to take out some money, and having a stock that says it's worth x amount is useless unless you actually sell it to get the money. So when you are retired, do you just sell all your portfolio? Or do you just sell parts periodically? Won't your portfolio eventually run out this way? It just seems like dividends are more useful to invest in since they offer the reinvestment option and it gives you a paycheck while the stock also grows [link] [comments] |
| When Do You Consider It To Be Too Late To Start Investing For The Average Individual? Posted: 31 Jan 2022 12:17 PM PST Now I know many of you will probably say something along the lines of it's never too late or maybe the best day to invest was yesterday with the next best day being today; however, I think it's true that at some point investing into the market for an average return of 10% becomes a little unworth it depending on where you are at in life. I could be wrong but I wanted to know at what point does the tradeoff of age on investing become too big of a problem? [link] [comments] |
| Would I be wrong if i invest only in Tech ETFs and Pharma/Healthcare ETFs for the VERY long term? Posted: 31 Jan 2022 10:54 AM PST I'm 25 and i really don't have the time or braincells to actively pick stocks and stress over them performing or not performing. I'm thinking of buying Tech ETFs and Healthcare ETFs and holding them for a really long time. I'll also diversify across 2-3 geographies but focus will be on the US market. Everything else seems to be gradually coming under the umbrella of tech - automobiles, energy, even some sections of healthcare. Buying ETFs will ensure that I'll invest in the industry and not the companies (from what i understand how Nasdaq works). Is what I'm thinking reasonable? [link] [comments] |
| Thoughts on buy and hold for companies with a negative EPS Posted: 30 Jan 2022 07:49 PM PST So, despite recent controversies with Spotify, it seems to have promise, despite it's gradual price drop this past month. However, it has a negative Earnings Per Share, so at least for now, it's losing money/spending too much, and it seems to have gotten worse each year. While I am using Spotify as an example, to other companies as well, would a negative EPS be a deterrent for you in a buy and hold scenario? [link] [comments] |
| Why did Bernie Madoff not invest some of the money in his fund? Posted: 30 Jan 2022 12:35 PM PST So Bernie Madoff investments accumulated all this money, billions worth and was the head of the NASDAQ so he must have had a good understanding of trading and investing and so must have had many contacts in the finabce works.. So why not the take some of the money in the Investment pool fund and at least have a punt on something like forex or oil instead of just doing nothing with the money? Maybe though because of his position or ex position in NASDAQ he was regulated in some of the things he could do? Still seems to me a bizarre situation to be sitting on all that money and not do anything with it, he could have even gone to Vegas and gambled some of it to try and make a return to pay the holders but no he must have been so delusional or whatever, he just assumed the Ponzi would never catch up with him? [link] [comments] |
| Could the federal government (US) invest in the stock market to increase liquidity? Posted: 31 Jan 2022 08:10 AM PST I'm still pretty new to finance, but I was just thinking that since liquidity is important for the health of the stock market, the government may be able to intervene during a financial crisis to increase the liquidity of the market, right? I don't just mean like QE or propping up specific companies or something, but literally initiating trades to keep money moving around. Could some strategy like this reduce the impact of future crashes?????????????????????????????????????????????????????? [link] [comments] |
| Don’t allow your emotions to compromise your investments Posted: 31 Jan 2022 03:24 AM PST Remember your first bad breakup? I bet it was painfully brutal. The weeks full of tears. The instant anger at the sight of life itself. The endless worrying if your ex was already seeing someone else. The parking outside of their house from 9 p.m. to 4 a.m. with the lights off to watch if they went anywhere (or was that just ... ahh never mind there, let's keep it moving). The point here being is that you were emotionally vulnerable. So vulnerable and raw in fact you probably took your ex back after their barrage of sweet-talk (or back in my day, after sending "143" 50 times to their translucent blue Motorola beeper). I think this is where a legion of investors enter February following a painful start to the year for markets: vulnerable. Many investors only know low interest rates (think here the sub 40-year-old crowd who has powered the market in recent years). They only know how to buy dips in stocks because the strategy has worked wonders this past decade. They only know tech stocks good (insert caveman voice), dividend-paying slower growing companies generally bad. Hence, they are vulnerable to late-in-the day rallying markets (as seen last week) blowing sweet nothings in their ear as if they were saying: "I still love you, take me back baby please." But the reality is that just like that ex, the market right now is dangerous as it works to price in anywhere from five (new Goldman Sachs call) interest hikes this year to seven (new Bank of America call). There will be a price to pay for higher interest rates as it pertains to the economy and markets, which is why stocks at present are experiencing wild volatility. Stocks are trying to figure out that price. So in my humble view, ignore the market's thirst traps it's posting into closes at the current moment. Stay disciplined during your vulnerable period. Just like your former heartbroken self, something better will come along ... in this case a better opportunity to get into stocks. Happy trading! - YHF [link] [comments] |
| First time back door Roth IRA conversion question. Posted: 31 Jan 2022 05:12 AM PST This year will be the first year I can no long put into a Roth IRA due to income limit being reached. My question is can I put $500/month into a Traditional IRA that us not invested in anything and the convert the $6000 at the end of the year without issue or should I just do it all at once at the end of the year? I also read I shouldn't take any tax advantages of the Traditional to avoid anny addituonal taxes. [link] [comments] |
| Best platform for foreign investing including Russian stocks? Posted: 30 Jan 2022 06:54 PM PST I'm a long term dividend investor and I'm looking to diversify into foreign stocks. I'd like to invest in some Russian stocks but dislike owning ADR since I want to directly own the shares. I currently use Fidelity but many Russian companies aren't traded there and many of them are ADR. I was considering Interactive Brokers. Can anyone provide any suggestions for investing in foreign stocks and what platform would work best for this? I'd like a platform that is dividend investor friendly if possible. [link] [comments] |
| How bad was investing in January of 2022 compared to March of 2020, *really*? Posted: 31 Jan 2022 04:35 AM PST I have seen this article, here, which says "Stock futures were lower in early morning trading on Monday as investors braced for the final trading day in what could be the worst month for the S&P 500 since March 2020.", adding January has turned out to be a dismal month for stocks. The S&P 500 is headed for its worst month since the pandemic-spurred market turmoil in March 2020 as investors worry about inflation, supply chain issues and the upcoming rate hikes from the Federal Reserve." The article makes it seem like March of 2020 was an absolutely horrid month for investing, using words such as "turmoil" to describe the March situation (which, yeah, it was), and thus comparing January of 2022 to it by describing it as "dismal" and "heading for its worst month since March 2020.", which I feel like is just a slight exaggeration Now, I don't recall March of 2020 feeling the same as this month. maybe my risk tolerance is just simply nonexistent or something but I just don't think this month has been that bad? how bad was March 2020 compared to this month? I remember my friends seeing that one day this month when the market was down 4% in the afternoon and they were calling it an "an absolutely brutal, horrible meltdown that will not stop", and then it just suddenly flipped to positive that day. I think that was the lowest it's been in the month? was March 2020 worse, or comparable to this month? how much percent did March drop compared to this month? [link] [comments] |
| Momentum based pre market strategy Posted: 30 Jan 2022 10:29 AM PST Hey all I'm taking part in an investing completion held by a university. I start off with 1 million and attempt to grow it as much as possible I was wonder if there was a way to use finviz to screen for stocks that have a high chance of chance of popping up when the market opens So the night before, I'd look at the stock screener and choose some stocks. I'd make an order for the ones which I think have high potential, and then buy those Is this viable and possible? And if so, how would I go about doing it? What are some factors I should consider? [link] [comments] |
| Choice between two world ETFs - European Posted: 30 Jan 2022 09:27 AM PST Hi everyone. For the past two months I've been reading up on investing. I like the boglehead principle and want to begin passive investment for my future retirement. I am in my early 20's. For the past 2 weeks i've been putting together a portfolio. I originally came up with a plan to have 10 different ETF's. However, i came across this quote. The first option: The second option: Im leaning towards the accumulating ETF. Because if i choose the distributing ETF i would need to add the dividends back and pay a commission fee each time i did this. Is this correct? If anyone knows of a better World ETF option please share it with me. My second question is a little more complicated. I have been following Ben Felix and am thinking about having a slight tilt in my portfolio towards SVC ETF's. Anyone know of any good ETFs that are low in cost that i can incorporate alongside an World ETF? What should my split be if i choose to do this? Should i just embrace simplicity and not even start. Any thoughts would be appreciated. Cheers, [link] [comments] |
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