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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! Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources. If you are new to investing - please refer to Wiki - Getting Started The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos If your question is "I have $XXXXXXX, 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. Check the resources in the sidebar. 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 investment adviser if you need professional support before making any financial decisions! submitted by /u/AutoModerator [link] [comments]

For those new to Reddit and to investing and trading - please be aware that social media platform like Reddit, Discord, etc. can be a vector for scams and fraud. Offers to DM should be viewed as suspicious. Social media platforms continue to be a common method to recruit new investors to scams. - do not assume that an offer to "help" is legitimate. There are many dozens of types of scams - a list of scam types can be found in r/scams in the master list here: /r/Scams Common Scam Master Good explanation of pig-buthering here - Pig butchering - how to spot Legitimate investment advisors do not use WhatApp, Telegram, Discord, etc. to provide tips. In the US - it is against regulation - specifically SEC Rule 17a-4 and FINRA Rule 3110. For example - brokers in the US that use social media for support do not offer investment advice. It is common for bots and malicious actors on Discord to impersonate Reddit and Discord mods to distribute their scams. It is possible to create a Discord profile which appears similar to someone else. Pump and dump of stocks are common on social media - bots or stock promoters who are seeking to profit from pumping a stock or to create hype. You can sometimes identify if it's a bot or promoter simply by looking at the posters comment and post history. Often you will see that the account has posted nothing related to investing or trading but suddenly there is the same or varying versions of comments on one or two specific stocks. One other way to recognize suspicious posts is if the OP never engages in a discussion on comments and questions in the thread on their own dd. Those are all signs of stock promotion. Offers to mirror trade and teach you how to trade are usually fake. If you receive private solicitations to open accounts at a broker or investment adviser, be wary. Depending on where you live - you can verify the legitimacy of a broker or investment adviser. Most countries have legal requirements for investment advisors and brokers to be registered. United States - check the registration status of a broker at the FINRA web site here - https://brokercheck.finra.org/ You can check disclosures for investment advisers at the SEC IAPD web site here - https://adviserinfo.sec.gov/ United Kingdom - Financial Conduct Authority - https://www.fca.org.uk/consumers/fca-firm-checker - a warning list of fake companies can be found here - https://www.fca.org.uk/consumers/warning-list-unauthorised-firms Canada - CIRO - https://www.ciro.ca/office-investor/dealers-we-regulate For those interested in understanding a little more about stock promoting and pump-and-dumps - one of the mods provided an AMA 15 years ago about a penny stock pump operation that he unwittingly became associated with - you can find the AMA here - https://www.reddit.com/r/investing/comments/158vi7/i_used_to_be_a_penny_stock_promoter_in_the_late/ If you believe that you or someone has been the victim of a trading or investing scam. Be aware of the following: Do not send more money. Do not provide additional banking or credit card information. It is common to be contacted by additional scammers who may pretend to be law enforcement or private services to offer to "recover" funds for payment. This is a common follow-up scam. Law enforcement will never ask for money. If a login account was created. The password used is compromised. Change all passwords that are used. The password will be shared and sold to other scammers. If payment was sent via a credit card or bank transfer - report the transfers as fraud to your bank or credit card company. submitted by /u/AutoModerator [link] [comments]

Everyone is cheering the 19% pop like it proves something. It doesn't. Let's actually look. SpaceX closed today near a $2.1 TRILLION market cap. Their 2025 revenue? $18.7 billion. That's a price to sales ratio of about 112x. Not earnings, SALES. And they didn't even have earnings, they posted a $4.9 billion net loss for the year. For context, Apple trades around 9x sales. Nvidia at the absolute peak of AI mania was around 30x. SpaceX just IPO'd at nearly 4x that, while losing money. And it gets better. The ONLY part of this company that actually prints cash is Starlink, which did $11.4 billion of that revenue. So you're paying a $2 trillion valuation for what is basically a satellite ISP wearing a rocket costume, with an xAI cash furnace bolted on that they conveniently merged in two months before the roadshow. Then there's the $28.5 trillion "total addressable market" in the S-1. Twenty eight TRILLION. That is a number you write down when you need the valuation to make sense and the actual income statement won't cooperate. Either I'm missing something huge or a whole lot of people just bought a story at 112x sales and called it investing. Tell me where the math closes, because right now it doesn't. submitted by /u/wick77777777 [link] [comments]

Just stumbled across this on the Fidelity site. https://www.fidelity.com/learning-center/trading-investing/spacex-ipo-explained “if you are allocated shares of SpaceX and you sell within the first 15 calendar days from the start of trading in the secondary market, it will affect your ability to participate in future new issue equity public offerings through Fidelity for a defined period of time. The defined period is as follows: First Flip – Blocked for 6 months Second Flip – Blocked for 1 year Third Flip – Permanently banned by your SSN” submitted by /u/pastoris007 [link] [comments]

The US government, citing national security authorities, has issued an export control directive to suspend all access to Fable 5 and Mythos 5 by any foreign national, whether inside or outside the United States, including foreign national Anthropic employees. The net effect of this order is that we must abruptly disable Fable 5 and Mythos 5 for all our customers to ensure compliance. https://www.anthropic.com/news/fable-mythos-access So if the gov is going to curtail access to better models how will all of the investment that's pouring into AI get recouped? Interesting timing for this administration to pull this: 5:21PM on a Friday. They know that this could roil markets. submitted by /u/cafedude [link] [comments]

2026: Elon Musk's personal net worth just surpassed 1 trillion, now stands at a whopping 1.1 trillion! I think now is a good time to re-evaluate your portfolio, and position yourself away from tech as much as possible. This is a strange time, because while there is a few overvalued companies, such as space x, there is also many deals to be had at the same time. Stay careful out there! :) submitted by /u/Connect-Silver-5982 [link] [comments]

I explained what this means in another post but I have been asked a few times why this is sensible. Seasoning means the company at IPO Can’t join the index. Free float means even after it does, its weight is only based on how much got sold last, not the total number of shares. So here’s why it’s done. Let’s suppose a very lossy company burning through venture capital decides to IPO. AND let’s assume it is worth $10 million pre-IPO. And here’s the super cynical thing that could happen. Imagine this is all crooked. The company is losing money fast, and will run out in two years. To make money for the VCs, they could do this. First, they arrange to sell 1% of the company to someone helping them swindle for $10 million. This gives them cash. But, they say, we just sold 1% for $10 million. Well, then, the total company is worth $1 billion! It has to be if 1% is $10 million. So wow! At IPO it is a billion dollar company! Now many uneducated investors will think “damn! I need to get some.” So what do they do? They sell their stake that was worth $10 million before the IPO for $990 million. They have just made their wealth grow 100% or so, and if the company goes bankrupt they don’t care: their money is in the bank. But when it does, all those poor people who bought it lose everything. To get around it many index providers do two things. First, is they say we’re only holding it in the index as if it’s worth $20 million, since that’s all new investors paid (roughly speaking) But, even then, they demand “seasoning” Let’s take SpaceX. To get into the S&P 500, a company must have at least four quarters in a row of profit. SpaceX? It had about $18 billion of revenue in 2025, but lost over $5 Billion. And they don’t expect a profitable quarter before 2030! So, using the S&P rules, it will be at least 2031 before it is even at all in the S&P 500 The free float and seasoning rules are to prevent a variation on the thing I described happening. Do I think SpaceX is a total fraud? No. Will I invest a single dollar into it, when launching a million data centers in space is their goal? Not on your life. I’m not investing a penny. Do what you want, but I’m staying in index funds that will not have any SpaceX for at least ten years until it makes a profit. If it ever does. I’m not getting left holding the bag so venture capitalists get rich. They can bet on a million data centers on the sky - when, if you really needed a lot, you could have them on board in the ocean at a hundredth the cost. I’m pretty sure this is going to be another Musk promise: a million robotaxis a few years ago, a million android robots replacing people soon, a. Million cyber trucks, and millions of fully self driving cars - which was to happen by 2020 or so. submitted by /u/Recent-Day3062 [link] [comments]

Any of yall thinking about adding in some munis to the mix since they haven’t fallen off as much as CDs and HYSAs plus the obvious tax advantage of their interest not being taxable income? Many 20 year municipals are still near 5% without paying a premium in the primary and secondary market. Downside: interest rates may run higher with inflation, but the new fed chair seems unlikely to hold rates high long term. These are also callable meaning if interest rates do drop, municipalities may call them and reissue at a lower rate. There is also the risk of default; be sure to review the rating and finances of any issuer before purchase. I’m only purchasing A+ or higher. Upside: 5% without taxes is equivalent to 7-8% for states without income taxes, possibly more if your buying in state in a state with income taxes. This is not advise, but a forum for discussion. Simply wondering if anyone’s is diversifying their portfolio with Gold and silver still running down from all time highs, the stock market being strongly AI focused and general uncertainty about the future. submitted by /u/Lucid_Chemist [link] [comments]

You do realise that, after the rule changes made by the index controllers (like NASDAQ and FTSE), SpaceX is not going to be the only cash-burning company to suck exit liquidity from passive funds, right? We already have OpenAI and Anthropic waiting in the pipelines (and who knows how many other unprofitable companies whose insiders need to cash out), preparing to use the exact same playbook that SpaceX is now trying. How many "just 1%" hits should people be expected to tolerate for their investment and retirement funds? submitted by /u/cherrypoplar [link] [comments]

I currently have my 401k elections set to 60% for s&p 500, 20% for Russell 2000, and 20% for the International Index. I’m 25 and have a long time for the contributions to grow, I’m just wanting some more opinions on if these are good elections to have, or if there’s a stronger combination I should be looking at instead. submitted by /u/ChigginParmaSean [link] [comments]

I see a thousand possible futures, but in none of them does buying SpaceX shares today look like a good deal. I believe the SpaceX IPO could be the biggest stock market gamble in history. Bigger than anything we have seen in our lifetime. In my opinion, investors who buy at these prices risk losing a large part of their capital. The company has about $18 billion in revenue, loses around $5 billion a year, and is valued at $1.75 trillion. That is about 94 times annual revenue for a money-losing business. This price reflects dreams of a Mars colony, asteroid mining, and, most importantly, Elon Musk's charisma and genius, rather than the actual value of the business. It immediately reminds me of Cisco. In 2000, it was the most valuable company in the world. The internet was changing everything. People dreamed about millions of computers, and Cisco supplied the equipment for the new digital economy. Reality turned out even better than expected. Today there are not millions of computers, but billions, and many of them sit in our pockets. Cisco was a great and profitable company. But investors who bought its shares at the peak quickly lost about 90% of their money. The company kept growing its profits and sales, yet it took investors about 25 years just to break even. Maybe it is only a coincidence, but there are too many similarities. In 2000, Cisco's revenue was about $19 billion. Today, SpaceX revenue is almost the same. Back then, Cisco's market value was about 5% of U.S. GDP. Today, SpaceX is also valued at about 5% of U.S. GDP. But there is one major difference. Cisco was profitable. SpaceX is still losing money, even as its valuation moves toward $2 trillion. That is why I believe we are not watching the birth of the best investment opportunity of the decade. We may be watching one of the biggest speculative stories in stock market history. submitted by /u/pavloboiko [link] [comments]

I bought in to MSFT at $409 and I'm averaging down with the current dip. I'm holding for at least three years because the most optimistic forecasts are around $800 and the worst bear cases see a drop down to $350ish. I'm going to keep buying but haven't decided on any kind of ceiling or limit order. Curious if anyone has a limit for MSFT and why they're choosing that number. submitted by /u/Shadowrunner138 [link] [comments]

A minimalistic candlestick chart for the terminal. 🟢 Green (top) = buying pressure 🔴 Red (bottom) = selling pressure Thicker bars = higher volume No mouse. No GUI. Just signals. Would you actually use this? What's the #1 thing missing? Does the buy/sell split make sense visually? https://github.com/fabrizioschiavi/terminal-trading-chart submitted by /u/fabrizioschiavi [link] [comments]

I went through some old watchlists this morning and it was kind of painful. Costco, Visa, Microsoft… same story every time. I’d spend hours researching them, decide they were a bit too expensive, and tell myself I’d buy if they came down. Some did. Most didn’t. At some point I’m starting to wonder whether I’ve made more mistakes from overthinking valuation than from actually overpaying. submitted by /u/More_Temporary6697 [link] [comments]

There’s a grey area since the IRS hasn’t issued official guidance, so nobody actually can know the answer, but here’s my situation. I split my daughters 529, which has been open for 17 years, into 3 accounts. One for me, the wifey and the daughter with about $150k in each. I split them so I can roll over a total of $105k tax free. $35k per person into those respective accounts. The IRS text is hard to interpret. Technically, it reads that the account needs to be open for at least 15 years. If that’s the case, my daughter is even ineligible after 17 years since we closed the old account it was started in when we rolled it over to a Schwab 529. So, same beneficiary, same money, but technically new account. However, if we assume, since IRS hasn’t said yay or nay yet, that since the original account is what fed the new account and new beneficiary accounts, we may rollover all three now. It’s risky, so my question for those with more knowledge on the subject is this. If I roll over all three accounts next January, how likely am I to go under the radar without a request for more documentation, etc? I know somebody has already done it and has a practical answer, but I haven’t found them. I’ve only found CFPs and CPAs that can’t answer this yet. I wanted to post the IRS text, but I can’t add a pic to the post. submitted by /u/Outside-Prune3611 [link] [comments]

Thoughts on SpaceX's controlled lock-up periods and how it will affect price? With most stock, when the lock-up period ends, the stock price goes down. However, with their tiered lock-up release, wondering how others feel this will impact the selling price? Do you think it will go down significantly? submitted by /u/ComplaintNo6631 [link] [comments]

The U.S. BITCOIN Act (Boosting Innovation, Technology, and Competitiveness through Optimized Investment Nationwide Act) is a legislative proposal designed to establish a federal Strategic Bitcoin Reserve. It directs the U.S. Treasury to acquire 1 million Bitcoin over a five-year period to create a non-inflationary national asset. The intent is to strengthen the national balance sheet, hedge against long-term fiat currency devaluation, and establish a digital equivalent to U.S. gold reserves. The main mechanism in Senator Cynthia Lummis’s BITCOIN Act (and related bills) involves revaluing U.S. gold certificates held by the Federal Reserve. Gold is currently booked at the statutory price of ~$42.22/oz (totaling ~$11 billion), while market value is hundreds of billions higher (e.g., ~$750B+ depending on prices). The bill would reissue certificates at market value, with the difference (a large accounting gain) remitted to the Treasury and used to fund Bitcoin purchases in a “budget-neutral” way. This is an accounting maneuver to unlock “paper” gains. The gold certificate revaluation accounting maneuver would effectively add to the money supply. It is widely viewed as a form of “backdoor money printing” or monetization of an existing asset, though it doesn’t involve issuing new debt or physically printing currency. How It Works Mechanically • U.S. gold is valued on Treasury books at the old statutory price (~$42.22/oz), making gold certificates held by the Fed worth only ~$11 billion. • Revaluing to (or near) market price (~hundreds of billions to $750B+ depending on gold prices) creates a large accounting gain. • The process typically involves: 1. Treasury/Fed exchanging or reissuing certificates at the new higher value. 2. The Fed credits the Treasury General Account (TGA) with newly created reserves/dollars equal to the difference. • No new Treasury borrowing or debt ceiling impact occurs. The Treasury gains spendable funds in its Fed account. When the Treasury spends these funds (e.g., to buy Bitcoin for a strategic reserve), the money enters the banking system: • It increases bank reserves (part of the monetary base). • As it circulates, it can expand broader money supply measures like M1/M2 through lending and deposits. submitted by /u/johannyer [link] [comments]

So i did a widget in claude trying to dissect the different expectations after the coming fed meeting, considering the high inflation numbers, ppi and expectations from this week there is a good chance that hawkish tones dominate the meeting next week. How will the capex cycle be affected? I would like your inputs on whats reasonable in regards to the different variables and the underlying assumptions. Appreciate any feedback! https://claude.ai/public/artifacts/87ef4253-4b59-499e-bff5-213d56c65895 submitted by /u/Cheap-Character613 [link] [comments]

Hi all, I am confused by how differently the market values these two companies. Although Luckin and Starbucks position themselves slightly differently within the coffee industry as a consumer they are near identical. However, for some reason Starbucks has a PE of 78 while Luckin is 19.9. Luckin has shown higher margins in 2025 compared to Starbucks, also a healthier balance sheet. Luckin has nearly 2x the revenue as Starbucks in China (one of the most important consumer markets in the world and the only place to have a fair comparison since Luckin isn't really established in other markets). Luckin's coffee is significantly cheaper than Starbucks, especially if you claim their coupons and promotions discounts that are frequent (nearly 20-40% cheaper) while with respect to quality they're quite comparable. The market is valuing Starbucks like it is a growth stock when in reality their growth potential is extremely limited. They're present in many countries already, no major markets to open up. The revenue trend is showing slow growth, and competition is increasing in every market they're in. Furthermore, let's not ignore that their balance sheet is already stressed, taking more debt to expand is unlikely. On the contrary, Luckin has secured their position in China, is expanding rapidly to other markets, is able to operate at a lower cost. Luckin should be the stock valued as a growth stock. I want to make a quick acknowledgement that investors maybe distrusting of Luckin because of their instance of accounting fraud that led to it's delisting from the NASDAQ but since then management has changed and they've demonstrated strong growth. Their service and quality is very real and the demand is their. I got to witness it first hand during my years working in China. TLDR: I think the valuation gap has little to do with fundamentals and more about how each stock is perceived. Luckin is being punished unfairly for it's fraud history and market's scepticism towards Chinese companies. Whereas, Starbucks is coasting on it's reputation that no-longer reflects it's reality. Ten years ago people used to be see with a Starbucks cup, now it's just another store that you order ahead on your phone and pick up a coffee on your way to work (Brand Finance recorded that Starbucks had the largest brand value decline of any company in 2025). P.S. this is just my thoughts on the matter, I'm a fan of Luckin. I'm open to have a rational dialog about this comparison, I respect all opinions :D submitted by /u/Wison101 [link] [comments]

Random thought I’ve been stuck on lately. Whenever people talk about businesses or investing, most of the conversation is around revenue, margins, management, moat, etc. Which obviously makes sense. But I almost never see people talk about whether where a company is based actually matters more than people think - taxes, regulations, access to markets, hiring, long-term flexibility, stuff like that. Maybe I’m going down too much of a rabbit hole lately, but I’ve been reading about how founders structure companies in different countries and honestly would love to read more opinions from people who think about this deeper than I do. Do you think jurisdiction is actually underrated, or mostly irrelevant unless you’re huge? submitted by /u/bileco101 [link] [comments]

$LTRN What happens in June? Lantern Pharma has announced a dedicated June webcast focused on withZeta, its AI platform business. The most important question isn’t about the pipeline. It’s whether management starts presenting Lantern as more than a biotech company. Will we hear about: • Paying customers? • Subscription revenue? • Strategic partnerships? • A spin-off or independent entity for withZeta? • A roadmap to commercialize the platform? If withZeta is positioned as a standalone business, June could mark the beginning of a major shift in how the market values Lantern. The drugs may be the proof of concept. The platform may be the real story. I‘m long LTRN. Do your own DD. submitted by /u/Babette_CH [link] [comments]

SEC is now proposing to scrap 2005 rules that forced trading platforms to ensure best prices for retail investors. According to BetterMarkets (a non-profit) scrapping these rules will hurt retail investors. Retail investors need to post their comments within 60 days. Following is the link to BetterMarkets pdf https://bettermarkets.org/newsroom/sec-should-not-rescind-rule-that-ensures-investors-receive-best-prices/ Following is the WSJ gift link of the SEC news. Notice that the wording does NOT indicate how these rules will hurt retail investors. https://www.wsj.com/finance/regulation/sec-seeks-to-scrap-best-price-rule-c05b4d83?st=gcPbUZ EDIT: 2016 paper from Stanford “How rigged are stock markets? Evidence from micro-second timestamps” https://law.stanford.edu/wp-content/uploads/2023/06/SSRN-id2812123-1.pdf SEC proposal link is below. It’s a 267 page document. Intro starts at page 78!! After Paper Reduction Act 😂😂 To understand the guts of the markets and SEC’s core evidence of why these rules are hurting, take a look at the “Economics” sections in details. https://www.sec.gov/files/rules/proposed/2026/34-105655.pdf submitted by /u/kulsoul [link] [comments]

so i posted earlier but it was ba-sing-se'd for being "low-effort". well here is the high-effort version. I'm actually straining. 1: the sales to cost ratio is high. this means that the money the company makes is low compared to the money in the company infrastructure. so basically, buying is losing money at face value instantly. 2: the market address is higher than the united states gdp. so basically you are betting against the united states by investing. which normally would be great but it is going directly into the pocket of (f)elon musk. queue point 3: 3: many people on twitter keep saying elon is not a nazi (narrator: he is actually a nazi). nazis lost both the civil war and world war 2, statistically they are guaranteed to lose again. 4: the indexes are changing their rules to literally steal from index investors. ngl I'm not sure how exactly that happens but i saw it on at least 3 headlines of articles I didn't read. so chat, what am I missing? how exactly is this a good investment? submitted by /u/Nice-Truck8806 [link] [comments]

Hey guys. I’m a 20y(M) I’ve been investing since I was 18. I have a good bit in my account but I’ve been using robinhood managed individual for a bit and a ROTHIRA through them for the 3% cash back. I’m wanting to look into possibly moving from robinhood to something else but I don’t know what. My main goal with my individual account is growth/dividends. I’m wanting to play it a bit risky. I don’t really know what I’m doing tho and want some advice of where I should move to and what would be worth looking into? I’m wanting to learn so anything Is helpful. submitted by /u/Klutzy-Bug-9481 [link] [comments]

It was the ideal perfect storm pricing for Wall Street and Elon. The allocation allowed IPO investors to profit, as did those who bought at the opening price of $150. That way everyone gets a bit of the action. Usually it does workout for me always, except this time it cashed. Did you have the opportunity to do both? submitted by /u/Guy_PCS [link] [comments]