All News

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]

ex-US stocks have performed poorly for the last 5-10 years, while US stocks are on a historical run. I get the US offers favorable conditions for companies and US companies have an international presence (something like 30% of the S&P 500s revenue is international). However, US vs ex-US performance has always been cyclical, with multiple periods where ex-US (especially emerging markets) has dominated US performance. All signs point to international equities being undervalued, while US equities are overvalued. Look at the P/E ratios for these Vanguard etfs. VTI (total US): 26.23 VOO (S&P 500): 27.14 vs. VXUS (international): 15.16 Regression to the mean is coming and the market will correct. I see this as a major buying opportunity for international equities. Don’t get me wrong, I still hold majority US stocks, but international equities deserve a place in your portfolio regardless of what the consensus is here on Reddit. submitted by /u/Whale_Turds [link] [comments]

Is it still worth investing in Amazon, Google and Nvidia? A lot of people and analytics said a few months ago that you should invest in these companies, but the last few months these went up a lot, so are they overhyped/avervalued atm or is there still potential for a lot of growth? submitted by /u/nerdythingsfandom [link] [comments]

This will most likely get removed as well. But as a long time contributor on this sub I want to vent a little. What’s the purpose of this sub? The mod team says we shouldn’t post financial news by itself since they are “low effort posts”, so they are encouraging personal opinions being shared. But then you have people just asking simple questions, and most of the answers are “just buy index funds” regardless of what the questions are. Any long-form opinions are either met with dismissive “you have no idea what you are talking about, just by $VOO” or no response at all. So we can’t post financial news by themselves, and this isn’t the sub for single stock discussions, and any generic investment discussion just leads to “buy index funds”. Btw mods, I understand that you guys don’t want “low-effort posts”, but if a post received 300+ upvotes and 200 comments within 3 hours (and many of those comments had efforts put into them), maybe it’s ok to leave it up? It’s not like the front page is full anyway. It’s frustrating to see a thread heating up only for you guys to remove the entire thing. Edit: Honestly I’ll just say it: I think the mods are more at fault because their vision of a high quality, high engagement discussion forum with high barrier of entry is simply not achievable on a platform like Reddit without making the sub semi-private with individual vetting process, which takes a ton of work that I’m not sure the mods are willing to spend time on. I’ve been a mod on a couple super large subs and i fully understand how difficult and thankless the job can be. But my philosophy is that moderators of large subs should be the caretakers instead of gatekeepers. There are better places than Reddit for small, closed off communities with high barrier of entry. Let Reddit be Reddit, for better or worse. submitted by /u/cookingboy [link] [comments]

I have about 10k remaining on a car loan at 2.5% interest, and about 5k of student loans at 4% interest. I make enough to pay down the debts quicker if I wanted to, but I've been opting to do regular payments instead, using my savings to invest in index funds and some tech stocks. I think pretty much everyone will agree with me on using extra cash to invest rather than pay down a 2.5% debt, and a lot will agree with the 4% - my question is, what's your personal threshold? At what APR would you shift gears away from investing and start aggressively paying down debt for the guaranteed return of not paying interest on that debt? submitted by /u/rocketsalesman [link] [comments]

I was looking at sector performance and noticed that financial index funds (e.g., iShares U.S. Financials ETF, Vanguard Financials Index Fund ETF) outperformed QQQ in the last 12 months. Similar story for managed funds in the UK, where the global financial fund beat the global tech leaders fund at Janus Henderson. Am I reading this right? I thought last year's bull run was driven by tech/Mag 7. How did big banks manage to beat the tech leaders in this comparison? submitted by /u/Lukewarm_Congee [link] [comments]

Hello all, I'm sure I'm not the only new investor in this thread that can feel a little lost or confused at times and wanted some book recommendations for new people like myself. So far I have read Books I've read so far or are currently reading: John Bogle's Little Book of Common Sense Investing The Psychology of Money (great book) Bogleheads' Guide to Investing (currently reading) Investing In ETFs (also currently reading) Investing 101 good foundational book for new people to learn some terms All of these were really good reads for me but I'd like to see what else is out there to teach me and let me grow as an investor. Thanks for your time and input! submitted by /u/CodyVA24 [link] [comments]

Hi all, I have about 50k in RSU through my job. It will fully vest in 2027. This year 15k will vest. Is there a way to take out the money without getting taxed hard? I want to invest this money into some ETF stock like SP or QQQ. If anyone has experience with this, is it best to leave the money until 2027 to re-invest? Or would it be better to take out the 15k and re-invest now? How much of the 15k will be taxed once I take it out? How would you diversify 15k in dividend stocks? submitted by /u/astral_soul [link] [comments]

Hello Reddit investors, I have to ask, everyone talks about a 3 fund portfolio being amazing including VOO, QQQM, and SCHD but as a still relatively young (25) investor is SCHD “worth” investing in just yet? I get the concept of having dividends that can snowball into more passive income when retirement age comes around but if starting out fresh should young investors focus more on growth and invest in dividends later? Something like 50/50 VOO and QQQM or add an international stock like 50 VOO, 30 QQQM, 20 (in said international stock)? submitted by /u/Radix_Official [link] [comments]

Some people turn their free time basically into a second job actively managing their portfolios by individual stocks. Others just regularly make contributions to index funds not paying attention to month to month market performance. I'm curious which type of investor you are, and why your goals align with your method of choice. submitted by /u/Primary_Champion8994 [link] [comments]

How do you calculate your possible gain from a long dated call option? For example, if you have a call option expiring in 2 years but the price of the underlying stock goes up a ton within one year (1 year before expiry), how do you calculate how that would affect the price of the call? submitted by /u/Personal_Battle5863 [link] [comments]

I've read that when you buy SGOV or BIL you don't use as much buying power as what you purchase. Does that mean if I have $5000 I can buy 5000 worth of SGOV and the buy another safe investment such as a bond and basically double down on my investment? submitted by /u/Mantiss14 [link] [comments]

2019-2024 were good years for my business. I’m 40 years old and only have about 40k in an old 401k. I stared my own business in 2019, and have been able to put away about $900k worth of cash, after paying to live comfortably and support a family, and pay off all debt. I used some funds to buy a couple pieces of raw land in my area, including a lot on the beach near me. As I get older I am starting to think more long term. My wife has a healthy amount invested in the stock markets and is doing well. I want to diversify and go a different direction. The plan is to spend about $500k to build a house on the land, for an all in at around $700k. The property will be short term rental that should net 30-35k per year after expenses. And should be valued at $800-900k when complete at current market value. Going to use about $300k of cash to build and take $200k loan, which should equal about $2500 per month payment. To me this makes sense because I can use the rest of my cash in my business, while securing a solid real estate asset. I’m super optimistic and if it works out as planned, the home will be paid off when I am 70 and ready to sell and retire. Advice, insight, and constructive feedback welcome! submitted by /u/Windat42fly [link] [comments]

For the last couple of weeks Market Watch has been just terrible. I can't make alerts, can't contact customer service and it's so slow. I have to refresh constantly which causes me to go back and reopen my holdings. I've used it for quite a while, it used to be a great site but lately it has just become a burden. Thanks in advance. submitted by /u/IAMAHORSESIZEDUCK [link] [comments]

I am a long term investor in the SP500 and NASDAQ 100. I understand the risks but I also believe that for the long term these indices are the best for partaking in overall growth of the US market. Recently I have been investing some money in leveraged ETFs that track these two indices (USSL, QQQL). These ETFs are 25% leveraged so it’s nothing crazy like 2x or 3x (for example TQQQ). And my logic was that adding 25% onto long term returns (minus leverage costs) would be a net gain and a risk that is worth taking. Before putting more money, I wanted some opinions on what people think of these lightly leveraged ETFs tracking these indices? Is it better to just stick to the major indices? submitted by /u/zainlikesmoney [link] [comments]

Hello everybody. I am new to all this, but I wonder what is going on with D-Wave. My understanding is the following: Today, during european stock times the stock rised to about 5% and stayed in that position for a solid couple hours. Now, US stock markets opened up, the stock went up n down A LITTLE. Then D-Wave announced they'd open up demo programs where interested people can have trial sessions to test their system (there are many disbelievers, even stock analysts, that think the product is a hoax). So, the stock then jumped to 18% at the highest today. Now it is at +1%... even in negative at times. I am just trying to understand what exactly is going on. I can't find any related negativ news, no big competitor that ruins the business, no quantum-related regulations that make things harder. So, is this just lots of people selling cause they think this is the end of the line and pricing wont increase? I mean, D-Wave said Q4 numbers will outperform all previous reports. D-Wave will be at some kinda conference, D-Wave got a position where it can take on government contracts... so, why the "negativity"? As I wrote this the stock fell below 0% for today and is now in the negative... this just doesn't make sense to me. I'd be very glad if somebody could take their time and explain what exactly is going on. As I said, I am new with this. Thanks in advance submitted by /u/BlaXunSlime [link] [comments]

I originally started my research on SSBK and created an article on their Q3 earnings report on 12/30. KBW announced a new price target which matches mine exactly from almost a month ago ironically. I am working on Q4 but i figured I'd share my analysis and hope to see what everyone thinks :) All information is taken from my website if you want more additional info (not necessary) as i'm only posting the main, condensed info. Macro Overview: The third quarter of 2024 showed mixed results for the U.S. regional banking sector. Many notable trends emerged. These trends played varying levels of importance for each individual company and the sector itself. Here were the most notable trends of Q3: Net Interest Margins (NIM): Net interest margins have been under pressure due to increased funding costs. Depositors have developed an appetite to seek higher yields. This is due to increased competition from money market funds and other alternatives. These factors have largely been the route of net interest margins decrease. Commercial Real Estate (CRE) Exposure: CRE continues to grapple with pressure in loan portfolios. Many regional banks reported higher non-performing loans compared with a year earlier. While rate cuts can offer some much-needed relief, the risk of defaults remains prevalent. The burden that looms for banks is still there. It is estimated there is roughly $998 billion worth of CRE mortgages expected to mature in 2025 alone. An estimated 10% are tied to office properties, according to S&P Global Market Intelligence. Increase in Nonperforming Assets: The rise in 90-day nonperforming assets has increased by another 4 basis points in the third quarter. It has now reached 0.71%. Alarmingly, this is the highest level since March 31,2021 according to Market Intelligence data. What is worrisome about this metric is that these are the loans that have already defaulted. The legendary Peter Lynch once stated, “A few percentage points of bad loans can damage an S&L's entire equity". Loan Growth & Quality Loan Growth: Loan growth in Q3 continued to impressive at a rate of 23.93% to a total of $1.17 billion. Strengthened from the completed acquisition, SSBK showed strong organic growth across all lending activity. In particular, the residential real estate segment grew by 17.5% followed by commercial real estate at 9.96%. Construction & development only grew by 1.11% wisely as this is typically a riskier lending segment showing a slight decrease in exposure at only 11.1% of the total portfolio compared to 12% last year. This focus has increased profitability. However, it also adds to some exposure if there is an economic downturn. It is worth paying close attention to this, specifically in residential & commercial real estate. Loan Quality: A major theme for SSBK this quarter was major deterioration in their loan portfolio.Nonperforming loans increased by a whopping 627% from last years $1.1 million to a total of $7.8 million. The $6.8 million net increase from September 30th, 2023, was mainly due to one significant commercial and industrial loan. Another factor was a less significant commercial and industrial loan. Additionally, one commercial real estate loan was added to non-accrual status according to their quarterly report. Most alarmingly, nonperforming loans increased 107.9% just from Q2. 65% of the total nonperforming loans in Q3 can be directly attributed to commercial and industrial. While total nonperforming assets to total assets is still only at 0.28% despite a 65% gain, these metrics are concerning. As mentioned earlier, increases in bad loans can significantly hurt a bank’s equity. SSBK’s balance sheet is still in a great condition. However, the major increases are a cause for concern if they continue. The allowance for credit losses of $28.06 million is more than enough for potential future losses. We will be watching closely to ensure there is no further defaults in the overall loan portfolio as it is clear they are currently under some stress. Investment Thesis: Earnings Growth: SSBK has a history of impressive growth. The growth rate is 22% with an EPS growth rate of 51.9% the last five-years. While we don’t expect the same degree of outperformance in the future. However, management has shown their ability to manage macroeconomic trends. Loans for example have grown substantially averaging about 20% growth across the three quarters of 2024. Deposit growth has fared similarly well averaging 19.1% in the same time span. Acquisition of CBB Bancorp: The short-term challenges of operational integration are evident due to a initial 7-8% reduction in tangible book value. However, the long-term benefits of this acquisition far outweigh these challenges. Earnings and profitability are expected to significantly improve. GAAP EPS is projected to grow by 21% in year end 2025 profitability. The earn back on tangible book value is expected to be earned back in full in about 2.5 years as well when dilution is fully recovered. Profitability is also expected to rise with Return on Average Tangible Common Equity (ROATCE) to improve to 15.9%. In conclusion, despite short-term dilution to book value, the acquisition benefits SSBK. It accelerates earnings, drives profitability, and expands into the Georgia market. Additionally, the manageable earn back period helps drive future growth. Impact of Potential Deregulation Policies: If a Trump administration implements the often-discussed regulation policy, it could notably impact SSBK. This impact could extend to other regional banks as well. Deregulation tends to benefit smaller and regional banks more than larger institutions. Reduced regulatory burden could reduce reporting and compliance burdens freeing up capital for additional loan growth and shareholder returns. Increased lending capacity would accelerate loan growth in the CRE & C&I segments. These are both important segments for SSBK. Last of all, profitability margins typically increase with a favorable rate environment. Current Valuation: Currently, SSBK sports a P/E of only 10.01, despite a growth rate that far outweighs the current valuation. While P/E is slightly below an all-time high since their IPO in 2021. Compared to the industry average of 13.1, SSBK in our belief is trading at a discount to future growth potential. Considering the benefits of the CBB Bancorp acquisition set to take shape in 2025, we believe the shares trade at a discount. SSBK has continued to pay a fair dividend of $0.09 / share since their stock debut in 2021 with a yield of 1.02%. In time, there is significant potential to both increase the dividend as well as buyback more shares. submitted by /u/Reasonable-Green-464 [link] [comments]

Long one but I’ll try to bullet point it. 37- no kids, rent 950 a month. Roommate pays 400 but commute an hour one way when I choose to go to office. 155,000 income plus 10-30% bonus 161k cash in hysa Max 401 each year- 263k Max hsa each year- 20k Roth (over income so no more investing)- 70k 200k in high conviction brokerage stocks Boat- owned Car one (20+years old, owned) Car 2- commuter 2000$ debt, paying 800 per month to pay off Motorcycle- owned Motorcycle 2- owned, selling in spring when prices are higher I do have dreams to buy 10-20 acres and have horses but I know with all equipment it’s just a lot. Big question. I’ve been saying for 3 years I’ll buy a house this year but I don’t pull the trigger. I have my cash in a hysa but I don’t want to look back in 4 years and cry that I left it there. Index fund? Leave in hysa? submitted by /u/UE808699 [link] [comments]

Greetings, just started making interest into some funds like nasdaq 100 and s&p 500. I just want to get some recomendations on where to buy such things? Some time ago Etoro was getting advertised, from what i have heard its garbage. Where do you recommend purchasing and holding stocks? submitted by /u/DuKeMoChi [link] [comments]

I was wondering if it is a good strategy to add to a long term portfolio an ETF which tracks the performance of the S&P 400 or it is a waste of time. I don't have evidence that can perform better than S&P 500 in any scenario either that it will crash less in a bearish market. However, I find it a good idea to allocate a 5% of my portfolio to S&P 400 for diversification and potential growth purposes. What's your thoughts on this ? Does any of you have experience investing in S&P 400 ? What was your results. Also, DCA this ETF ? Or park a substantial amount of money and wait for the long term results ? submitted by /u/NetWorthExprt [link] [comments]

I'm currently using eTrade for my investments, but would be willing to move if eTrade can't get my API key's un-expired. I started experimenting with their API a couple years ago, got distracted with other work, and came back a few days ago to discover my keys Expired. And their rudimentary system won't let me create new replacement keys or refresh the existing keys. So, for anyone else who invests and codes, is there a better brokerage account holder out there that is more API-friendly? Thanks! submitted by /u/deyemeracing [link] [comments]

I've been given a job offer for a company that is currently being acquired (just received shareholder approval) by a much bigger player who wants to expand their presence into the U.K. and Europe. When I found out about the acquisition online I asked questions about my job security post acquisition and the CFO mentioned it was very slim anything would chance (1%) and it depends on my risk tolerance. Some people are saying I should take the risk and it will be fine - but I am just confused at what the best choice is. I'm trying to figure out whether it is a step forward or backwards. The role is financial accounting and management accounting and my current role is in audit (newly ACA qualified) When discussing fears of job security the CFO mentioned that in terms of cost cutting my salary is immaterial. He also mentioned I have 3 month notice period post probation and he would help me get a job in a worst case scenario. Seems silly to rely on his word? I just feel the longer I stay in audit I am not learning anything new and most roles require experience. They mentioned the only change is who we would be reporting to - but would be going from no one having a majority stake to 100% control of another company? submitted by /u/ArrivalOk2631 [link] [comments]

Trying to do some valuations and running into a fundamental question of how is any of this possible. Meta free cash flow (billions) 2021: 23 2022: 38 2023: 19 2024: 44 ??? TTM: 52.1 AMZN 2021: 26 2022: -15 2023: -17 2024: 32 2025: 71 ??? NFLX 2021: 2 2022: -.1 2023: 1.6 2024: 7 ?? There are others but this should be enough. Is this accounting fraud or what? submitted by /u/stilloriginal [link] [comments]

My family member started a new job that offers a 401k, but there's no matching and funds charges about 2 percent if I remember correctly. I'm helping them plan for retirement and am wondering what should they do. Currently have them contributing 10 percent to the 401k and working on their Roth ira as well. Should they stop the 401k completely and max out the Roth ASAP? Should they restart on the 401k afterwards? Thanks in advance ! submitted by /u/Jasonwj322a [link] [comments]

Hi everyone, I’m curious—what individual stocks do you believe have the potential to grow over the next 10–15 years? Whether you’re holding them now or thinking about adding them to your portfolio, I’d love to hear your picks. Are there specific industries, trends, or companies you’re particularly bullish about? Maybe something tied to AI, clean energy, biotech, or just solid, reliable businesses with long-term potential. Feel free to share your reasoning or even just the names. submitted by /u/lmaodeniz [link] [comments]

Here’s a summary of each chapter of one of my favorite trading books. I’ve studied and have been following Minervini’s trading strategy for 7 years now. I’ve grown my portfolio by learning how he reads charts, gaps, strategy and most importantly trading psychology. Hope you enjoy. Introduction: First Steps to Thinking and Trading Like a Champion • Mark Minervini shares his journey from struggling as a trader to becoming a Market Wizard. • Trading success is about mindset, discipline, and preparation—not luck. • Treat trading like a business: build a system, hold yourself accountable, and always seek improvement. • You can’t control the market, but you can control your reaction to it. Section 1: Always Go In With a Plan • A trading plan is your roadmap to success. Without it, you’re gambling. • Your plan should include: • Clear Entry Points: Identify the exact conditions to buy. • Exit Strategy: Define profit targets and stop-loss levels before entering. • Stock Selection Criteria: Use technical patterns and strong fundamentals to choose trades. • Risk Rules: Know how much you’re willing to lose on every trade. • Plans help you stay disciplined and avoid emotional, impulsive decisions. • Failing to plan = planning to fail. Section 2: Approach Every Trade Risk-First • Risk management is the foundation of successful trading. • Before you think about potential rewards, ask yourself: “How much could I lose?” • Steps to manage risk effectively: • Set Stop-Loss Levels: Protect your capital with predefined exit points. • Position Sizing: Don’t risk more than 1-2% of your capital on a single trade. • Respect the Downside: Avoid the temptation of oversized positions. • The first goal of trading is to preserve your capital. Section 3: Never Risk More Than You Expect to Gain • Focus on trades with favorable risk/reward ratios. Minervini’s rule: At least 3:1. • Example: If your potential loss is $1, your target gain should be $3 or more. • Use technical analysis (support/resistance levels) to define realistic targets and stops. • Avoid the trap of taking “high-risk” trades just because they seem exciting. • Consistently making trades with good risk/reward ratios is how you grow wealth. Section 4: Know the Truth About Your Trading • Be honest about your performance. No excuses, no blaming the market. • Track every trade and ask: • Did you follow your plan? • What went wrong or right? • Were your emotions driving your decisions? • Use a trading journal to log your thought process, entry/exit points, and results. • Reviewing past trades helps identify patterns of success and mistakes to fix. • Accountability leads to growth. Section 5: Compound Money, Not Mistakes • Compounding is the key to building wealth. Protect every dollar of your capital. • Big losses are devastating: A 50% loss requires a 100% gain to recover. • Focus on small, consistent gains by reducing drawdowns and avoiding reckless trades. • Minervini explains: Avoid chasing trades or making impulsive moves, as these compound mistakes and stall your growth. • The less you lose, the more you can grow. Section 6: How and When to Buy Stocks—Part 1 • Use Specific Entry Point Analysis (SEPA) to find the best times to buy. • Look for stocks with strong fundamentals: • Earnings growth of 20% or more. • Increasing sales and profit margins. • Combine this with technical patterns like: • Cup-with-handle or flat bases. • Stocks breaking out of consolidation patterns with increasing volume. • Buy at the right moment: near breakout points when risk is lowest, and reward potential is highest. Section 7: How and When to Buy Stocks—Part 2 • Advanced buying strategies focus on timing and precision: • Anticipate Breakouts: Look for tightening price action and increasing volume. • Pivot Points: Identify price levels where momentum shifts in your favor. • Avoid common traps: • Buying too early before a setup is confirmed. • Chasing stocks that are extended beyond ideal entry points. • Patience is key: Wait for setups that match your criteria. Section 8: Position Sizing for Optimal Results • Position sizing is how you control risk while maximizing rewards. • Never risk more than a predetermined percentage of your account (1-2% max). • Scale into winning trades to increase exposure as the trade works in your favor. • Avoid overleveraging, which can magnify losses and wipe out your account. • Proper sizing ensures that no single trade can ruin your portfolio. Section 9: When to Sell and Nail Down Profits • Selling is as important as buying. Have a plan for exits: • Sell for Profit: Exit when your target is hit. Don’t get greedy. • Cut Losses Quickly: Exit immediately if the stock hits your stop-loss. • Use trailing stops to lock in gains while allowing room for growth. • Don’t hold onto losers out of “hope” they’ll recover—it rarely works. • A strong selling strategy protects profits and minimizes losses. Section 10: Eight Keys to Unlocking Superperformance • Superperformance stocks share common traits: • Explosive earnings and revenue growth (50%+ is common). • High relative strength compared to the overall market. • Leadership within a strong-performing industry. • Identify these stocks early and ride the trend for big gains. • Always manage risk—superperformance stocks can be volatile. Section 11: The Champion Trader Mindset • Trading success requires mental toughness: • Overcome fear and greed to make rational decisions. • Stay disciplined even during losing streaks. • Minervini stresses lifelong learning: Review mistakes, refine your strategy, and never stop improving. • Focus on consistency and discipline over perfection. submitted by /u/PlaybookTrading [link] [comments]