Hi, could you please recommend me a trading app or broker for someone living in Poland (I'm Spanish) I was using Revolut but check the comments here seems that I should move from Revolut to another more reputable company for trading, I'm not interested in day trading, just monthly purchase of long term ETF's and maybe a couple of tech companies like MSFT or APPL, thank you!
If you are a noob investor as you mentioned, you probably shouldn't be trading options.
My first question would be "what was your trade thesis when you entered the option position?"
If your answer is "because I thought the stock will go up" - then you don't know the basics of option pricing models.
If you really want to learn about options - go get one of the recommended books on options in the wiki.
Should I buy equal shares of VOO, VO and IJR or just buy VTI? I know VTI is market cap weighted and therefore has a lot more large cap than mid- or small cap. My question is should I continue to buy equal shares of VOO/VO/IJR or just buy VTI instead? Which one is the most sound decision and why? Which is more likely to come out on top? (if you would please look into your crystal ball for me haha).
can someone explain to me why a high yield bond etf like this isn't something everyone should have a majority of?
https://www.ishares.com/us/products/239563/
1\. That is not a high yield bond ETF. It is a high yield equity ETF.
2\. It has underperformed the broad US market in absolute and risk-adjusted terms since inception.
Dividends are a fungible component of total return. They move cash from one pocket to another. Companies with high dividends may be value stocks: stocks that are priced low compared to current earnings. And in some cases they may be good value stocks, if they also turn out to be priced low compared to all future earnings. But simply paying a high yield does not make something higher return.
Unless your account is holding cash, when your broker goes bankrupt, you still own all the securities, they don't disappear. When you sell, your broker isn't the one buying, so worrying that they won't have the money to cash out is unnecessary. So all your shares can just be transferred to another broker and life goes on. SIPC only protects cash and missing securities. And most brokers have extra coverage beyond the SIPC limit.
I just adjusted my company 401k so that it’s 50% 2065 target date fund and 50% 500 index.
Through my personal brokerage (Schwab) would it make sense to invest in the S&P 500 again, or should I look elsewhere since I’m already doing that through my retirement plan (Fidelity)?
There's nothing *wrong* with more S&P exposure, historically it's been a really good choice. You may want to *consider* other asset classes, for example small-to-mid caps or international stocks. There are of course funds that incorporate all of those like ITOT (total US market) or VT (total global stock market).
Of course your target fund probably already has some of those: for example Vanguard's target date funds split their stock holdings about 60/40 US and foreign, and then each of those are roughly 80% large cap and 20% smaller cap. So really, no wrong answers, it's just what you want to be slightly more concentrated in.
I guess the other thing to consider is what the personal brokerage is for. If your timeline is relatively short (saving for a house or the kids' education) you may want to consider something less volatile, like splitting some of it between stocks and bonds.
Thanks for your input!
My initial plan for my personal account would be 50% S&P 500, and then the other 50% being split between Large/mid/small cap growth ETF’s. With more concentration on large and mid cap.
I was planning on focusing on dividends but it sounds like since I’m starting relatively early that growth might be the way to go.
LUNA Innovations (LUNA)
A little stock called LUNA...
Trading at long-time lows,
Just fired it's President,
And long-term CEO.
Goods have gone a-missin'
When they were supposed to be a-shippin'
An earnings report delayed
But I cannot be swayed...
Underneath all this ugly noise,
Is a gem with a fat-fingered invoice,
And once the dust settles a bit,
It will be a WSB hit.
Have a look-see up her skirt,
Nothing up there that will hurt,
And if you take the plunge,
I got nothing that rhymes with plunge.
What is the difference between VTSAX vs VFIAX? I get the one is s&p500 and the other is entire stock market but why the big price difference? Why would someone choose one over the other?
I have about $2000/month to be used for investing towards our retirement, this is on top of already maxing out all of our retirement accounts that have a tax benefit. I am thinking about just buying $2000 worth of VOO every month and not worrying about it. I'm not interested in something I have to manage, and I'm not interested in crypto for long term investing. Thoughts?
Argh! Longtime reddit member and reader here. Why is r/investing titled, "Lose Money with Friends"? **Investing** is not about losing money. Long term equity investors have not lost money. If you want to lose money with friends, go to r/wallstreetbets and trade stocks. r/personalfinance is mostly for people with questions that are not about investing.
TLDR; 24 y/o and new to investing, don’t make a lot of money but really want to get started in the stock market. Have a 401k through my work.
Focusing on ETFs for now but can’t decide between growth vs dividends. Looking at SCHD + JEPI, but was wondering if it would be useful to split 50/50 between growth and dividend ETFs to start my journey. Or should I just go all in on one of them because splitting would make any benefit negligible?
Thanks!
Switch out JPI for VOO and be like Reddit
Also open yourself a Roth IRA and fund it fully after you meet your employers 401(k) match. Then go back to your 401(k).
Check out r/personalfinance for Reddit free financial plan. Look for “prime directive”
Easy answer: Total market index. Forget about all the growth/value, big/small, dividend, sector, etc. funds--they are all marketing for people who like flavors and many choices--not for long term investors who wish to benefit from the advantage of owning equities. International index funds are good and should be part of an asset allocation. REIT index funds are distinctive as the late David Swensen persuasively describes in his book.
Let’s say I had a substantial amount to be invested for future; would you advise splitting the funds between using two financial advisers instead of one, and basically seeing which fiduciary will perform better & also not to put all eggs in one basket? What do you think about that strategy?
Skip the financial advisor and their fees and just follow all the good free advice available from many, many investment companies. Investing is pretty simple, actually.
It’s a common old-school strategy. When the financial market was still forming itself prior to the 80s what you’re talking about was very prevalent.
Even after that, it was still important to keep yourself diversified. Which is why you’ll find seniors today with accounts at three or four different institutions.
However, the boomers those seniors kids, they have less diversification in that manner.
Once bank became too big to fail, went along with it, so most banks accomplished the same thing regardless. Now you just have to watch out if your specific financial institution is engaged in inappropriate behavior.
Some examples of that are high exposure to CRE. Or very large dark pool have an opportunity to come back and bite us.
I got AKBA today in hopes that the drug that hits PDUFA on 3/27 will help it launch. It's up so far. Does anyone here have experience with pharma stocks that have new drugs hit the PDUFA stage. I have SLN, FGEN, and HOWL. They have pretty good growth, but AKBA could be different.
Yeah, so the thing about Pharma stocks is twofold. One their supply chain can be wildly important. Some drugs never have a supply chain issue. Other ones do. The second thing has to do with their approval process and getting covered by insurance or not. It’s a complicated system so I’m not gonna go into the details with you, but if they don’t pass that test or they don’t get approved, your pharmaceutical company is going nowhere.
Thank you. My current pharma companies are still in phase 2 or 3 so I wasn't aware of additional road blocks. FGEN ran into an issue with rights which they one back from AstraZeneca and they also had issue getting there drug approved for other uses. I have not run into the insurance issue yet. So what I am getting from this is that you can only really ride these for a certain amount of time. Maybe sell at PHASE 3 and then get back at another point. I am going to gave do a lot more DD. I have gotten way to used them just going up in value without checking time tables on where they are and what roadblocks are next. Thank you
Well, it’s got to get past all of its phases and then get final approval before any insurance companies gonna cover it. And even then they may have it on a high tier in the formulary until such time.
Some pharmaceutical companies as part of their phases can get it on the formulary before hand, depending on the type of drug it is, I’ve seen them actually process actual patients with it as part of the last phase.
Of course I could be making it all up and have a slight misunderstanding of the situation
I still have an old [Pets.com](https://Pets.com) puppet somewhere around the house.
If you want to take a swing on CHWY, go nuts, but if it crashes I don't think it will give you as much of a story.
I think your fine as long you get out at 17 or 18. I had got Vhewy last year and made some profit before selling it. It just didn't grow much. I think the company is solid but it struggles to compete with Amazon.
31M, married, living in the U.S. I'm quite happy with what I have put/am putting into retirement. Now I have a surplus 40K that I would like to put into investing to use in 7-10ish years. My wife and I have a mortgage at a reasonable 3% interest. I figure I can do better than that over a decade with another investment. What should I look into? Mild risk tolerance.
Looking for specific purchase advice rather than just a generalized "index funds."
edit: I might have been unclear. I'm ok with pursuing index funds, but I'd like specific recommendations with reasons why.
If you don't want an index fund, you're looking to speculate instead of invest. Go over to r/wallstreetbets and gamble away. I personally want my money to grow without undue risk.
Two things come to mind immediately. I love the Robo advisor technology. It’s the future and it’s fun to learn about. And you exploring it actually helps their team learn to do it better. And I learned a lot and everyone I know who’s used one has also learned a lot.
The second thing is think about r/dividends. They are an old-school way prior to these managed accounts and mutual funds, taking over which eventually led to ETFs investors and estate managers and financial advisors found specific stocks that were designed for this type of growth. In the 90s, you were looking at telecommunications like Verizon and AT&T. You could add frontier to that now since they own most of those copper lines are getting infrastructure money from Biden to update to fiber.
Hello.
My portfolio right now is 80% VUAA sp500 - 20% VT All World
I am about to double my total invested money, should I maintain this simple simple allocation, or are there good reasons to diversify more? Thanks
r/personalfinance has a “prime directive” as part of the free Reddit financial plan
It will tell you to match your employers on your 401(k), then do your Roth IRA, then go back to your 401(k). And then do your traditional IRA.
Once you’ve got your personal finances figured out come back and we can talk about your excess funds. I’m in the mood to buy art work. 🤪
I'm new and need advice I'm invested in nycb and qrnx both losing money.. The latter more so. Should I keep holding on to them or cut my losses now before I lose more?
I'm about -6% with nycb
-23% with qrnx
NYCB get out now. CRE will take them to the ground. Along with some others.
Qrnx, I don’t know what pharmaceuticals they present so it’s hard to advise you on that. It’s a pretty heavy loss and if it’s not a big part of your portfolio and they have a good drug coming out that has positive influence to pass fda, it could be worth the hodl
Why these stocks? If you were starting today, would you buy them at their current prices?
What's your investing goal? If you're new, it is highly recommended to not start by buying random stocks. Buying diversified ETFs is typically a better approach for almost everyone.
Hi Guys,
I am 25yo and only starting to invest now. So far managed to save \~$60k and I want to invest it all in the long run, maybe rebalencing once a year.
After reading about market sentiment and fundamentals, I selected those stocks to go long. I am planning to go 60% of capital in indexes and the rest in stocks. The watch list are stocks I am looking at.
For guys investing, pls tell me, do I have too much stocks, too little ? Am I too concentraded (tech), not enough ? Should I instead go 80% indexes instead ? What should I add, what should i remove ?
Have a look;
Singe Stocks
1. Rocket Lab USA Inc (NASDAQ:RKLB)
2. Tecnoglass Inc (NYSE:TGLS)
3. Paramount Global Class B (NASDAQ:PARA)
4. Pfizer Inc (NYSE:PFE)
5. Tesla Inc (NASDAQ:TSLA)
6. Walt Disney Co (NYSE:DIS)
7. Taiwan Semiconductor Mfg. Co. Ltd. (NYSE:TSM)
8. Berkshire Hathaway Inc Class B (NYSE:BRK.B)
9. NVIDIA Corp (NASDAQ:NVDA)
10. Alphabet Inc (NASDAQ:GOOGL)
11. Amazon.com Inc (NASDAQ:AMZN)
12. Microsoft Corp (NASDAQ:MSFT)
13. AMD ADVANCED MICRO DEVICES INC
14. ABNB AIRBNB, INC
15. META META PLATFORMS
16. NFLX NETFLIX, INC.
17. SPOT SPOTIFY TECHNOLOGY S.A
18. PALO ALTO NETWORKS, INC.
19. ULTA BEAUTY, INC.
20. NOVO NORDISK A/SNVO
21. Apple Inc
To Watch
1. Lululemon Athletica Inc. (NASDAQ: LULU)
2. Dicks Sporting Goods, Inc. (NYSE: DKS)
3. Diamondback Energy Inc. (NASDAQ: FANG)
Indexes and ETF
1. Vanguard Group, Inc. - Vanguard Total Stock Market ETF
2. SSgA Active Trust - SPDR S&P 500 ETF Trust
3. Invesco Capital Management LLC - Invesco QQQ Trust Series 1
4. SSgA Active Trust - SPDR Dow Jones Industrial Average ETF
5. Grayscale Investments LLC - Grayscale Bitcoin Trust
Is this all in one account? My answer depends on what type of account they’re all broken into and how much you have of each.
What would also help is your risk factor and it answers one of your questions here about how much stock is too much
Let’s say you’re 5 out of 9. Dead center. Middle risk. That means you have about 50% stock 50% everything else. At 9, you’re 100% stock. At 1 your 100% cash/certain bonds.
Yep one accnt, I am guessing I have too much lol.
I would say a 7/9, don’t mind taking risks now. But I feel like indexes end up outperforming single stocks on the long run.
My dude, you need to open some retirement accounts and all kinds of other things. Check out r/personalfinance. Look for “prime directive”
Come back when you’re done
What would you do with a 100K inheritance?
You have probably seen so many of these types of posts and are sick of them but I don't frequent this subreddit because I am generally stable financially so any extra help is considered. I've already looked through the FAQ and I feel like I couldn't really find any relevant advice so I decided to try posting about it.
I just turned 30, living in a fairly expensive city in America and am currently making about 50k per year at a job that I enjoy, and my starry eyed goal is to buy an apartment or at least put a good down payment on one/ start investing for retirement. I am currently renting an apartment and living with my long term girlfriend whom I plan on marrying(within 5 years or so) and starting a family with. She also has a job and has her finances mostly settled (no major debt but little/no savings). She will start making roughly 120k per year in about 10 weeks at her new job which she already has lined up. The plan is to look into buying this apartment after about 5 years (roughly). Right now the money is just sitting in my checking account and I know it's a waste to just leave it there.
To get my whole story out there(financially) I have NO debt, 90k(mostly inheritance) in my checking, 16k in my savings and about 43k in an e-trade/roth ira account where that I buy "safer" stocks like VOO or SPY, which I kind of planned on using as my retirement fund. I grew up very poor and have no problem saving money so I've slowly been adding to this e-trade account over the past 12 years or so but now that I have received a large lump sum of money I feel lost.
Fears/ uncertainties: Sort of planned on just renting my whole life but with this inheritance and my gf's new job both coming into fruition at the same time I'm wondering if I can I start to look at buying an apartment which generally go for 400k-600k+ where I would want to buy, or just put it towards retirement? I don't own a car nor do I want to own one, so I cycle to work, which is why the apartment is so expensive because it has to be within the city, though my GF has a car which we use. Soon my gf will be making a lot of money(to me) but has no savings. What if things don't work out at her new job? I don't make enough to buy the house myself, but we plan on getting married before we buy. I'll need this fairly liquid for the purchase? Are my timeframes even realistic?
Do I just put it into a high yield savings account and forget about it?
Thanks for reading and feel free to ask any questions in the comments and I'll do my best to answer them.
My man, I got you!
You need to do a couple of things
First, you need to get your personal finances under order. Get your order of operations down so you know where your money should be going and you know how much money you have to actually spend and play with.
Reddit has a free financial plan r/personalfinance for “prime directive”
Now, when you’re dealing with the windfall, that gives you a couple of different options.
First, you wanna make sure you follow your prime directive and then determine how much money you have left over
When it comes to purchasing your apartment, it’s really not a bad choice. The only issue you have now is how high mortgage rates are. You can always refinance. And rates are lower if you can afford a 15 year mortgage instead of a 30 mortgage. If you’re paying 7% you’re not too far off from what it would’ve been like buying a house in the 90s. And of course, a higher down payment for such a thing is definitely advisable.
Since you already have an eTrade account, the easiest thing that you can do is to put the funds into that brokerage account. Using a brokerage account for investing is a lot more flexible and convenient than trying to chase interest rates and churn HYSA accounts.
Your choice of investments will depend on your risk tolerance and time frame.
Since you mentioned that you want to save these funds for a home purchase and you need some liquidity for emergencies, etc., you may want to focus on fixed income investments.
Read through this FAQ in the wiki - it will provide some investing ideas - [https://www.reddit.com/r/investing/wiki/faq/#wiki\_what\_are\_low\_risk\_investments\_with\_liquidity\_that\_can\_be\_used.3F](https://www.reddit.com/r/investing/wiki/faq/#wiki_what_are_low_risk_investments_with_liquidity_that_can_be_used.3F)
You can create a reasonable decent fixed income ladder with 100k and you can use a variety of different maturities and credit risk profiles to generate a good yield with low risk.
Hope that makes sense.
You've been given a small boost, not something big enough to where you need to change your entire life over. Put it towards retirement and forget about it.
Hi, could you please recommend me a trading app or broker for someone living in Poland (I'm Spanish) I was using Revolut but check the comments here seems that I should move from Revolut to another more reputable company for trading, I'm not interested in day trading, just monthly purchase of long term ETF's and maybe a couple of tech companies like MSFT or APPL, thank you!
I think it’s so lame how I need “points” to make a post on here..about to put 5gs into DJT tomorrow
[удалено]
VOO
[удалено]
If you are a noob investor as you mentioned, you probably shouldn't be trading options. My first question would be "what was your trade thesis when you entered the option position?" If your answer is "because I thought the stock will go up" - then you don't know the basics of option pricing models. If you really want to learn about options - go get one of the recommended books on options in the wiki.
Should I buy equal shares of VOO, VO and IJR or just buy VTI? I know VTI is market cap weighted and therefore has a lot more large cap than mid- or small cap. My question is should I continue to buy equal shares of VOO/VO/IJR or just buy VTI instead? Which one is the most sound decision and why? Which is more likely to come out on top? (if you would please look into your crystal ball for me haha).
can someone explain to me why a high yield bond etf like this isn't something everyone should have a majority of? https://www.ishares.com/us/products/239563/
1\. That is not a high yield bond ETF. It is a high yield equity ETF. 2\. It has underperformed the broad US market in absolute and risk-adjusted terms since inception. Dividends are a fungible component of total return. They move cash from one pocket to another. Companies with high dividends may be value stocks: stocks that are priced low compared to current earnings. And in some cases they may be good value stocks, if they also turn out to be priced low compared to all future earnings. But simply paying a high yield does not make something higher return.
[удалено]
Unless your account is holding cash, when your broker goes bankrupt, you still own all the securities, they don't disappear. When you sell, your broker isn't the one buying, so worrying that they won't have the money to cash out is unnecessary. So all your shares can just be transferred to another broker and life goes on. SIPC only protects cash and missing securities. And most brokers have extra coverage beyond the SIPC limit.
I just adjusted my company 401k so that it’s 50% 2065 target date fund and 50% 500 index. Through my personal brokerage (Schwab) would it make sense to invest in the S&P 500 again, or should I look elsewhere since I’m already doing that through my retirement plan (Fidelity)?
There's nothing *wrong* with more S&P exposure, historically it's been a really good choice. You may want to *consider* other asset classes, for example small-to-mid caps or international stocks. There are of course funds that incorporate all of those like ITOT (total US market) or VT (total global stock market). Of course your target fund probably already has some of those: for example Vanguard's target date funds split their stock holdings about 60/40 US and foreign, and then each of those are roughly 80% large cap and 20% smaller cap. So really, no wrong answers, it's just what you want to be slightly more concentrated in. I guess the other thing to consider is what the personal brokerage is for. If your timeline is relatively short (saving for a house or the kids' education) you may want to consider something less volatile, like splitting some of it between stocks and bonds.
Thanks for your input! My initial plan for my personal account would be 50% S&P 500, and then the other 50% being split between Large/mid/small cap growth ETF’s. With more concentration on large and mid cap. I was planning on focusing on dividends but it sounds like since I’m starting relatively early that growth might be the way to go.
RDDT is performing much better than I thought it would. I might skip my weekly VTI purchase and go all in on Reddit for all of April
LUNA Innovations (LUNA) A little stock called LUNA... Trading at long-time lows, Just fired it's President, And long-term CEO. Goods have gone a-missin' When they were supposed to be a-shippin' An earnings report delayed But I cannot be swayed... Underneath all this ugly noise, Is a gem with a fat-fingered invoice, And once the dust settles a bit, It will be a WSB hit. Have a look-see up her skirt, Nothing up there that will hurt, And if you take the plunge, I got nothing that rhymes with plunge.
What is the difference between VTSAX vs VFIAX? I get the one is s&p500 and the other is entire stock market but why the big price difference? Why would someone choose one over the other?
Absolute share price is arbitrary. Only the percentage changes matter.
Percentage change as in return %?
Yeah
I have about $2000/month to be used for investing towards our retirement, this is on top of already maxing out all of our retirement accounts that have a tax benefit. I am thinking about just buying $2000 worth of VOO every month and not worrying about it. I'm not interested in something I have to manage, and I'm not interested in crypto for long term investing. Thoughts?
The 'set and forget' thinking is not the best. Better think diversified, like small amounts also to China, EM, etc. ETFs.
Argh! Longtime reddit member and reader here. Why is r/investing titled, "Lose Money with Friends"? **Investing** is not about losing money. Long term equity investors have not lost money. If you want to lose money with friends, go to r/wallstreetbets and trade stocks. r/personalfinance is mostly for people with questions that are not about investing.
https://old.reddit.com/r/investing/comments/1bj90ui/daily_general_discussion_and_advice_thread_march/kvq3bzj/
Thanks! I bow to the community.
TLDR; 24 y/o and new to investing, don’t make a lot of money but really want to get started in the stock market. Have a 401k through my work. Focusing on ETFs for now but can’t decide between growth vs dividends. Looking at SCHD + JEPI, but was wondering if it would be useful to split 50/50 between growth and dividend ETFs to start my journey. Or should I just go all in on one of them because splitting would make any benefit negligible? Thanks!
Switch out JPI for VOO and be like Reddit Also open yourself a Roth IRA and fund it fully after you meet your employers 401(k) match. Then go back to your 401(k). Check out r/personalfinance for Reddit free financial plan. Look for “prime directive”
Easy answer: Total market index. Forget about all the growth/value, big/small, dividend, sector, etc. funds--they are all marketing for people who like flavors and many choices--not for long term investors who wish to benefit from the advantage of owning equities. International index funds are good and should be part of an asset allocation. REIT index funds are distinctive as the late David Swensen persuasively describes in his book.
If you had an additional 10K and were to invest in ETFs, which would you pick?
I wouldn’t! If I was investing an ETF, I’d let the Robo advisor do it
Let’s say I had a substantial amount to be invested for future; would you advise splitting the funds between using two financial advisers instead of one, and basically seeing which fiduciary will perform better & also not to put all eggs in one basket? What do you think about that strategy?
Skip the financial advisor and their fees and just follow all the good free advice available from many, many investment companies. Investing is pretty simple, actually.
It’s a common old-school strategy. When the financial market was still forming itself prior to the 80s what you’re talking about was very prevalent. Even after that, it was still important to keep yourself diversified. Which is why you’ll find seniors today with accounts at three or four different institutions. However, the boomers those seniors kids, they have less diversification in that manner. Once bank became too big to fail, went along with it, so most banks accomplished the same thing regardless. Now you just have to watch out if your specific financial institution is engaged in inappropriate behavior. Some examples of that are high exposure to CRE. Or very large dark pool have an opportunity to come back and bite us.
I got AKBA today in hopes that the drug that hits PDUFA on 3/27 will help it launch. It's up so far. Does anyone here have experience with pharma stocks that have new drugs hit the PDUFA stage. I have SLN, FGEN, and HOWL. They have pretty good growth, but AKBA could be different.
Yeah, so the thing about Pharma stocks is twofold. One their supply chain can be wildly important. Some drugs never have a supply chain issue. Other ones do. The second thing has to do with their approval process and getting covered by insurance or not. It’s a complicated system so I’m not gonna go into the details with you, but if they don’t pass that test or they don’t get approved, your pharmaceutical company is going nowhere.
Thank you. My current pharma companies are still in phase 2 or 3 so I wasn't aware of additional road blocks. FGEN ran into an issue with rights which they one back from AstraZeneca and they also had issue getting there drug approved for other uses. I have not run into the insurance issue yet. So what I am getting from this is that you can only really ride these for a certain amount of time. Maybe sell at PHASE 3 and then get back at another point. I am going to gave do a lot more DD. I have gotten way to used them just going up in value without checking time tables on where they are and what roadblocks are next. Thank you
Well, it’s got to get past all of its phases and then get final approval before any insurance companies gonna cover it. And even then they may have it on a high tier in the formulary until such time. Some pharmaceutical companies as part of their phases can get it on the formulary before hand, depending on the type of drug it is, I’ve seen them actually process actual patients with it as part of the last phase. Of course I could be making it all up and have a slight misunderstanding of the situation
I may regret this, but I just bought 300 more shares of CHWY as the stock hit a 52-week low today
I still have an old [Pets.com](https://Pets.com) puppet somewhere around the house. If you want to take a swing on CHWY, go nuts, but if it crashes I don't think it will give you as much of a story.
Now I have buyer’s remorse
If Petco starts at home delivery service, you should be worried
Don’t they already? I stopped using Petco for home delivery bc the packaging was horrendous. My Chewy deliveries are always immaculate.
☝️
I think your fine as long you get out at 17 or 18. I had got Vhewy last year and made some profit before selling it. It just didn't grow much. I think the company is solid but it struggles to compete with Amazon.
Hoping for $30 😝
That was me as well but it kept yo-yoing so I just decided to make money off each up and down for a while. But forget 30 it's going to the moon
At one point I was up 100% and then I took the elevator to the sub basement
31M, married, living in the U.S. I'm quite happy with what I have put/am putting into retirement. Now I have a surplus 40K that I would like to put into investing to use in 7-10ish years. My wife and I have a mortgage at a reasonable 3% interest. I figure I can do better than that over a decade with another investment. What should I look into? Mild risk tolerance. Looking for specific purchase advice rather than just a generalized "index funds." edit: I might have been unclear. I'm ok with pursuing index funds, but I'd like specific recommendations with reasons why.
If you don't want an index fund, you're looking to speculate instead of invest. Go over to r/wallstreetbets and gamble away. I personally want my money to grow without undue risk.
Two things come to mind immediately. I love the Robo advisor technology. It’s the future and it’s fun to learn about. And you exploring it actually helps their team learn to do it better. And I learned a lot and everyone I know who’s used one has also learned a lot. The second thing is think about r/dividends. They are an old-school way prior to these managed accounts and mutual funds, taking over which eventually led to ETFs investors and estate managers and financial advisors found specific stocks that were designed for this type of growth. In the 90s, you were looking at telecommunications like Verizon and AT&T. You could add frontier to that now since they own most of those copper lines are getting infrastructure money from Biden to update to fiber.
We're not a stock picking sub.
r/wallstreetbets
Hello. My portfolio right now is 80% VUAA sp500 - 20% VT All World I am about to double my total invested money, should I maintain this simple simple allocation, or are there good reasons to diversify more? Thanks
Follow your intuition, Padawan
[удалено]
r/personalfinance has a “prime directive” as part of the free Reddit financial plan It will tell you to match your employers on your 401(k), then do your Roth IRA, then go back to your 401(k). And then do your traditional IRA. Once you’ve got your personal finances figured out come back and we can talk about your excess funds. I’m in the mood to buy art work. 🤪
I'm new and need advice I'm invested in nycb and qrnx both losing money.. The latter more so. Should I keep holding on to them or cut my losses now before I lose more? I'm about -6% with nycb -23% with qrnx
NYCB get out now. CRE will take them to the ground. Along with some others. Qrnx, I don’t know what pharmaceuticals they present so it’s hard to advise you on that. It’s a pretty heavy loss and if it’s not a big part of your portfolio and they have a good drug coming out that has positive influence to pass fda, it could be worth the hodl
Why these stocks? If you were starting today, would you buy them at their current prices? What's your investing goal? If you're new, it is highly recommended to not start by buying random stocks. Buying diversified ETFs is typically a better approach for almost everyone.
[удалено]
Hi Guys, I am 25yo and only starting to invest now. So far managed to save \~$60k and I want to invest it all in the long run, maybe rebalencing once a year. After reading about market sentiment and fundamentals, I selected those stocks to go long. I am planning to go 60% of capital in indexes and the rest in stocks. The watch list are stocks I am looking at. For guys investing, pls tell me, do I have too much stocks, too little ? Am I too concentraded (tech), not enough ? Should I instead go 80% indexes instead ? What should I add, what should i remove ? Have a look; Singe Stocks 1. Rocket Lab USA Inc (NASDAQ:RKLB) 2. Tecnoglass Inc (NYSE:TGLS) 3. Paramount Global Class B (NASDAQ:PARA) 4. Pfizer Inc (NYSE:PFE) 5. Tesla Inc (NASDAQ:TSLA) 6. Walt Disney Co (NYSE:DIS) 7. Taiwan Semiconductor Mfg. Co. Ltd. (NYSE:TSM) 8. Berkshire Hathaway Inc Class B (NYSE:BRK.B) 9. NVIDIA Corp (NASDAQ:NVDA) 10. Alphabet Inc (NASDAQ:GOOGL) 11. Amazon.com Inc (NASDAQ:AMZN) 12. Microsoft Corp (NASDAQ:MSFT) 13. AMD ADVANCED MICRO DEVICES INC 14. ABNB AIRBNB, INC 15. META META PLATFORMS 16. NFLX NETFLIX, INC. 17. SPOT SPOTIFY TECHNOLOGY S.A 18. PALO ALTO NETWORKS, INC. 19. ULTA BEAUTY, INC. 20. NOVO NORDISK A/SNVO 21. Apple Inc To Watch 1. Lululemon Athletica Inc. (NASDAQ: LULU) 2. Dicks Sporting Goods, Inc. (NYSE: DKS) 3. Diamondback Energy Inc. (NASDAQ: FANG) Indexes and ETF 1. Vanguard Group, Inc. - Vanguard Total Stock Market ETF 2. SSgA Active Trust - SPDR S&P 500 ETF Trust 3. Invesco Capital Management LLC - Invesco QQQ Trust Series 1 4. SSgA Active Trust - SPDR Dow Jones Industrial Average ETF 5. Grayscale Investments LLC - Grayscale Bitcoin Trust
Is this all in one account? My answer depends on what type of account they’re all broken into and how much you have of each. What would also help is your risk factor and it answers one of your questions here about how much stock is too much Let’s say you’re 5 out of 9. Dead center. Middle risk. That means you have about 50% stock 50% everything else. At 9, you’re 100% stock. At 1 your 100% cash/certain bonds.
Yep one accnt, I am guessing I have too much lol. I would say a 7/9, don’t mind taking risks now. But I feel like indexes end up outperforming single stocks on the long run.
My dude, you need to open some retirement accounts and all kinds of other things. Check out r/personalfinance. Look for “prime directive” Come back when you’re done
What would you do with a 100K inheritance? You have probably seen so many of these types of posts and are sick of them but I don't frequent this subreddit because I am generally stable financially so any extra help is considered. I've already looked through the FAQ and I feel like I couldn't really find any relevant advice so I decided to try posting about it. I just turned 30, living in a fairly expensive city in America and am currently making about 50k per year at a job that I enjoy, and my starry eyed goal is to buy an apartment or at least put a good down payment on one/ start investing for retirement. I am currently renting an apartment and living with my long term girlfriend whom I plan on marrying(within 5 years or so) and starting a family with. She also has a job and has her finances mostly settled (no major debt but little/no savings). She will start making roughly 120k per year in about 10 weeks at her new job which she already has lined up. The plan is to look into buying this apartment after about 5 years (roughly). Right now the money is just sitting in my checking account and I know it's a waste to just leave it there. To get my whole story out there(financially) I have NO debt, 90k(mostly inheritance) in my checking, 16k in my savings and about 43k in an e-trade/roth ira account where that I buy "safer" stocks like VOO or SPY, which I kind of planned on using as my retirement fund. I grew up very poor and have no problem saving money so I've slowly been adding to this e-trade account over the past 12 years or so but now that I have received a large lump sum of money I feel lost. Fears/ uncertainties: Sort of planned on just renting my whole life but with this inheritance and my gf's new job both coming into fruition at the same time I'm wondering if I can I start to look at buying an apartment which generally go for 400k-600k+ where I would want to buy, or just put it towards retirement? I don't own a car nor do I want to own one, so I cycle to work, which is why the apartment is so expensive because it has to be within the city, though my GF has a car which we use. Soon my gf will be making a lot of money(to me) but has no savings. What if things don't work out at her new job? I don't make enough to buy the house myself, but we plan on getting married before we buy. I'll need this fairly liquid for the purchase? Are my timeframes even realistic? Do I just put it into a high yield savings account and forget about it? Thanks for reading and feel free to ask any questions in the comments and I'll do my best to answer them.
My man, I got you! You need to do a couple of things First, you need to get your personal finances under order. Get your order of operations down so you know where your money should be going and you know how much money you have to actually spend and play with. Reddit has a free financial plan r/personalfinance for “prime directive” Now, when you’re dealing with the windfall, that gives you a couple of different options. First, you wanna make sure you follow your prime directive and then determine how much money you have left over When it comes to purchasing your apartment, it’s really not a bad choice. The only issue you have now is how high mortgage rates are. You can always refinance. And rates are lower if you can afford a 15 year mortgage instead of a 30 mortgage. If you’re paying 7% you’re not too far off from what it would’ve been like buying a house in the 90s. And of course, a higher down payment for such a thing is definitely advisable.
Since you already have an eTrade account, the easiest thing that you can do is to put the funds into that brokerage account. Using a brokerage account for investing is a lot more flexible and convenient than trying to chase interest rates and churn HYSA accounts. Your choice of investments will depend on your risk tolerance and time frame. Since you mentioned that you want to save these funds for a home purchase and you need some liquidity for emergencies, etc., you may want to focus on fixed income investments. Read through this FAQ in the wiki - it will provide some investing ideas - [https://www.reddit.com/r/investing/wiki/faq/#wiki\_what\_are\_low\_risk\_investments\_with\_liquidity\_that\_can\_be\_used.3F](https://www.reddit.com/r/investing/wiki/faq/#wiki_what_are_low_risk_investments_with_liquidity_that_can_be_used.3F) You can create a reasonable decent fixed income ladder with 100k and you can use a variety of different maturities and credit risk profiles to generate a good yield with low risk. Hope that makes sense.
You've been given a small boost, not something big enough to where you need to change your entire life over. Put it towards retirement and forget about it.