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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]

I'm honestly not sure how this hasn't been brought up more, but Buffett actually has a beautifully elegant alternative to tariffs that solves for the trade deficit (which is a very real problem, he said in 2006.... "The U.S. trade deficit is a bigger threat to the domestic economy than either the federal budget deficit or consumer debt and could lead to political turmoil...") Here's how Import Certificates work... Every time a U.S. company exports goods, it receives "Import Certificates" equal to the dollar amount exported. Foreign companies wanting to import into the U.S. must purchase these certificates from U.S. exporters. These certificates trade freely in an open market, benefiting U.S. exporters with an extra revenue stream, and gently nudging up the price of imports. The brilliance is that trade automatically balances itself out—exports must match imports. No government bureaucracy, no targeted trade wars, no crony capitalism, and no heavy-handed tariffs. Buffett was upfront: Import Certificates aren't perfect. Imported goods would become slightly pricier for American consumers, at least initially. But tariffs have that same drawback, with even more negative consequences like trade wars and global instability. The clear advantages: Automatic balance: Exports and imports stay equal, reducing America's dangerous trade deficit. More competitive exports: U.S. businesses get a direct benefit, making them stronger in global markets. Job creation: Higher exports mean more domestic production and, consequently, more American jobs. Market-driven: No new bureaucracy or complex regulation—just supply and demand at work. I honestly don't know how this isn't being talked about more! Hell, we could rename them Trump Certificates if we need to, but I think this policy needs to get up to policymakers ASAP haha. We made a full video on our YT channel, but I won't post a link here to respect the rules of the sub! Here's the link to Buffett's original article: https://www.berkshirehathaway.com/letters/growing.pdf submitted by /u/DavidFlanks [link] [comments]

Hi guys, I didn't want to make a post but I can't find a discussion thread on this. I found this article on The Site That Dare Not Speak Its Name. The article is pay-walled but it is probably on archive by now. This is the short and sweet: Executive Summary The textbook impact of the world’s largest goods importer, the US, imposing an ultra-high tariff on the world’s largest goods exporter, China, is for global goods prices to fall. Thereby, while Trump’s tariffs will be inflationary for the US they will be deflationary for Europe. Go long euro rates (EONIA futures) versus US rates (Fed fund futures) June 2026 contracts. Overweight European government bonds versus US Treasuries, with the top pick being UK gilts. Stay overweight the European versus US stock market, until the US valuation premium unwinds from its current 50 percent to a ‘fair value’ 25 percent. I haven't heard this idea before. Isn't it more likely that everybody will boost tariffs everywhere? It looks to me like the EU is being attacked by China. This is pure mercantilism. Right? Is this analysis fundamentally correct? Tariffs cause deflation, by definition, right? Look at the great depression, for example. submitted by /u/flower-power-123 [link] [comments]

So I work for the state government, recently finished training. On one of the last days, the company that manages our 457b came in and gave a short talk. They basically explained it as a 401k with no employer match, which... I kind of thought was the main benefit. Also said that post tax deposits do not incur tax on the gains? That sounds really wrong, but I have no experience with this type of account. It seems like the only benefit to me would be if I wanted to gamble that my tax rate would be markedly lower in 20-25 years when I retire, and that i can withdraw early providedni separate from state service. I'm leaning towards just abstaining, but I wanted to see if there were any major benefits I was missing. submitted by /u/Witty_Flamingo_36 [link] [comments]

Seriously, think about what this guy has had to handle. He was at the helm of the Federal Reserve during a global pandemic, then navigated the economic fallout from the Ukraine war, and now—while everyone seems to be playing politics—he’s standing firm against pressure, especially from Trump, who clearly wants things done his way. Powell might not be perfect, but he’s shown consistency, calm, and independence in a time when a lot of institutions have crumbled under political influence. The man’s trying to do what’s best for the economy, not just what’s best for one side or another. That takes guts. And in today’s climate, that's rare. So yeah, maybe I am one of the few who really respects Jerome Powell. But I’m good with that. submitted by /u/AlecsScarlat [link] [comments]

"President Donald Trump said he was reluctant to continue ratcheting up tariffs on China because it could stall trade between the two countries, and insisted Beijing had repeatedly reached out in a bid to broker a deal. Trump, speaking to reporters in the Oval Office on Thursday, said officials he believed represented the Chinese leader Xi Jinping had sought to start talks." https://www.bloomberg.com/news/articles/2025-04-17/trump-says-he-is-reluctant-to-keep-raising-tariffs-on-china submitted by /u/Ok_Travel_6226 [link] [comments]

"Booking volumes from the last week of March to first week of April across global and U.S. trade lanes plummeted. There were sharp decreases in bookings across several categories, including apparel & accessories; and wool, fabrics & textiles, both down over 50%. Major product categories from China that are moved in containers include apparel, toys, furniture, and sports equipment, all of which are subject to steep tariffs. As a result of the decrease in containers, ocean carriers will not only cancel vessels, but also adjust or cancel vessel routes commonly called “vessel strings,” such as the ONE service from China to Vancouver and Tacoma. These routes dedicating vessels to move the ocean freight at specific ports take months of planning. The elimination of vessels also impacts U.S. exports bound for Asia and relying on ships traveling in both directions." https://www.cnbc.com/2025/04/16/trade-war-fallout-china-freight-ship-decline-begins-orders-plummet.html submitted by /u/Ok_Travel_6226 [link] [comments]

Worked up to lower seven digits through pure delusion and luck but I never had an advisor. About half of it is liquid and in gold. Where do I go next if I want to be completely hands off and am a conservative investor? I do not want to bet/day trade etc. I want to be hands off as much as possible. Where do I look next? submitted by /u/Joke_Choke [link] [comments]

https://www.npr.org/2025/04/17/nx-s1-5367696/trump-jerome-powell-federal-reserve-economy-tariffs President Trump renewed his attack on Federal Reserve chairman Jerome Powell Thursday for not cutting interest rates, even as Trump's own trade war makes rate cuts more difficult. In a social media post, Trump complained that Powell is "always TOO LATE AND WRONG," and he insisted the Fed chairman's "termination cannot come fast enough!" The president was evidently frustrated that the European Central Bank was preparing to lower interest rates for the seventh time, while the Federal Reserve is in a holding pattern. Of course, European leaders have not imposed triple-digit tariffs which threaten to rekindle inflation. Trump's post came a day after Powell warned that the tariffs from the Trump administration are likely to cause both higher prices and slower economic growth. "Tariffs are highly likely to generate at least a temporary rise in inflation," Powell told the Economic Club of Chicago, noting that Trump's import taxes were higher than most forecasters had expected. "The inflationary effects could also be more persistent." As a result, Powell said, the central bank is "well positioned to wait for greater clarity" before considering any reduction in interest rates. Powell intends to serve out his term In his social media post, Trump called Powell's report a "complete mess," arguing "Oil prices are down, groceries (even eggs!) are down, and the USA is getting RICH ON TARIFFS." While oil prices have fallen in response to fears of a global economic slowdown, grocery prices actually rose last month, according to the latest inflation report from the Labor Department. Egg prices jumped nearly 6% between February and March, thanks to the lingering effects of bird flu. The back and forth is part of a long-running dispute between the president and the Fed chair, whom Trump nominated for that post during his first term in the White House. Trump has frequently criticized the central bank for not keeping interest rates lower. The Fed is designed to operate independently of that kind of political pressure, so it can make the unpopular decisions necessary to fight inflation. Powell has tried to avoid antagonizing the president, often ducking questions about Trump's commentary. But he's also been adamant that he intends to serve out the remainder of his term, which runs through May of next year. Powell insists the president does not have the authority to fire him, except for "cause," meaning some kind of bad behavior. Current Supreme Court precedent supports that view. But the White House has signaled a willingness to test that standard, firing board members of other independent agencies. Powell said on Wednesday that lawmakers from both parties have generally defended the Fed's ability to set interest rate policy without interference. But that doesn't mean there isn't grumbling. "We are blessed with a large number of amply-compensated critics," Powell said. submitted by /u/zrv8psgOS9AiWK6ugbt2 [link] [comments]

Realistically, what are the chances that these two rulings lead to antitrust action against Google? Would Google be able to tie this up in courts and pay a settlement fee to make it go away? Or will they be broken up between business segments (pixel phone vs. their cloud business with GCP vs. their ad business vs. youtube, etc.)? I'm curious, people more familiar with antitrust cases, if this has legs and implications vs. more performative? article I'm talking about: "Google has been branded an abusive monopolist by a federal judge for the second time in less than a year, this time for illegally exploiting some of its online marketing technology to boost the profits fueling an internet empire currently worth $1.8 trillion." The ruling issued Thursday by U.S. District Judge Leonie Brinkema in Virginia comes on the heels of a separate decision in August that concluded Google’s namesake search engine has been illegally leveraging its dominance to stifle competition and innovation. ... Although antitrust regulators prevailed both times, the battle is likely to continue for several more years as Google tries to overturn the two monopoly decisions in appeals while forging ahead in the new and highly lucrative technological frontier of artificial intelligence." https://apnews.com/article/google-illegal-monopoly-advertising-search-a1e4446c4870903ed05c03a2a03b581e submitted by /u/Ok_Travel_6226 [link] [comments]

Hello, Over the past few days I keep reading how Google and Meta might end up having to divest or break up into separate smaller independent companies. A lot of people kept saying that this might result in more shareholder value because the individual companies "would be worth more separate than under the same umbrella". Can someone more familiar with the topic share their view on this subject ? Given that so many of Google's and Meta's products are so interconnected won't breaking the companies up be detrimental ? Thanks ! submitted by /u/iyankov96 [link] [comments]

I have a 20k emergency fund I’m just looking to park. I don’t want it to be tied up if I need it but I want to separate it from my general savings and goal saving account. Is a high yield saving best if so what’s are some recommended accounts to look into submitted by /u/BKallDAY24 [link] [comments]

Not looking to sell it at all until retirement. Should I just use it for covered calls considering I’m just DCA into it each month for the next 40 years? Would this give me a bit more extra income for doing essentially nothing? Is there a catch I’m missing ? submitted by /u/PrimNathanIOW [link] [comments]

"President Trump fired the two Democrats on the three-member board of the National Credit Union Administration, which regulates the nation's credit unions." "These latest firings, on the heels of similar dismissals at other agencies believed to be independent, is sparking concern that the Federal Reserve's independence is under threat — a matter of enormous consequence to the stability of financial markets." "Current Fed chair Jerome Powell's term expires in May 2026. He was appointed by Trump and is a Republican himself. 'Powell's termination cannot come fast enough!' Trump wrote this morning on Truth Social, complaining about the Fed's reluctance to lower rates." "...replacing Powell is something "we think about...all the time," Treasury Secretary Scott Bessent told Bloomberg on Monday, noting that interviews with candidates to replace Powell will begin as soon as this fall." "The President appears to be moving closer to justifying removal of Democrats on the Federal Reserve Board," per a note from TD Cowen Wednesday afternoon." "President Trump is the chief executive of the executive branch and reserves the right to fire anyone he wants," White House press secretary Karoline Leavitt said in an emailed statement. https://www.axios.com/2025/04/16/trump-fire-credit-union-regulator-fear-fed-independence https://www.reuters.com/world/us/trump-says-fed-chair-powells-termination-cant-come-fast-enough-2025-04-17/ submitted by /u/Ok_Travel_6226 [link] [comments]

I am worried about where the USD has been going lately and considering strongly hedging against it. I have a lot of cash right now sitting in HYSA and I was thinking of investing a vast majority of it in all of FXE, FXY, FXF, FXB, and GLD and keeping minimal exposure to USD right now. I would ideally lean the most into FXE probably given that the EU (40% give or take) as it has the largest economy and as such high levels of stability and the Germans have finally dropped the idea of never spending anything with the debt brake while still conferring interest while FXY (10%) and FXF (10%) have even more stability even if they do not confer interest. FXB for GBP confers some interest and I was going to go 10% into that. Then gold I would tack on for a tiny bit at the end as 15% of my cash assets. This would mean my allocation would be 45% Euro, 15% GLD, 10% Franc, 10% Yen, 10% GBP, and 10% USD. I would also be converting my paychecks with this allocation as I receive them. I am open to hedging more into the more stable currencies although lack of interest is a bummer. I am also considering going full on into world ETFs in my retirement accounts and maybe with my current cash reserves if that's a better idea than hedging full-on into the currencies. submitted by /u/Material_Umpire_1489 [link] [comments]

"82% of respondents said the global economy is set to weaken, which is a 30-year high." "49% of them said a hard landing is now the most likely outcome for the global economy, up significantly from 6% in February and 11% in March. "The percentage of investors who intend to cut their allocation to U.S. equities rose to the highest level since the survey began in 2001." "The Bank of America fund manager sentiment index is now lower than it was even during the depths of the pandemic crash in 2020." "For the first time in over two years, the most crowded trade is no longer being long the "Magnificent 7" tech stocks. Instead, it's being long gold." Data is from Bank of America, chart and analysis from Axios https://www.axios.com/2025/04/17/trump-tariffs-global-fund-managers submitted by /u/Ok_Travel_6226 [link] [comments]

There’s a ton of posts of people asking which is better, SNSXX, SWVXX, or SGOV. I’m looking to use one of these for short term savings (down payment on a house). I keep seeing that SWVXX has a higher yield but you pay state income tax, while you pay no state tax on the other two. However… I don’t see anyone mentioning the expense ratio. If I want to avoid state tax that means SNSXX or SGOV. But SGOV has only 0.09% expense ratio while SNSXX has 0.34%. For two investments that perform relatively the same, SGOV looks better with the lower expense ratio, yet I never see anyone discuss it. Am I missing anything? If I live in a state with high state income tax, isn’t my best bet to just go with SGOV (I don’t mind it being an etf where I have to buy at $100 increments) Is there any reason to do SNSXX over SGOV that I’m not seeing? SGOV seems to win in every way apart from it being $100 per share rather than $1 submitted by /u/hotdog-water-- [link] [comments]

I work for a company that is not publicly traded. They are getting ready to offer employee stock options. Curious how people would go about valuing a company that isn't publicly traded? They are developing a new software product and still have plans to approach VCs for funding which makes it more complicated from my perspective. submitted by /u/Busy-Bell-4715 [link] [comments]

https://www.globenewswire.com/news-release/2025/04/17/3063417/0/en/Trump-Media-Alerts-SEC-to-Potential-Manipulation-of-DJT-stock.html “MEMO: Suspicious Trading Activity of DJT Stock To: Mark Uyeda, Acting Chairman, U.S. Securities and Exchange Commission From: Trump Media & Technology Group Date: April 17, 2025 Subject: Potential Illegal Naked Short Selling and Market Manipulation of DJT Stock” The hypocrisy lol submitted by /u/SPXQuantAlgo [link] [comments]

If the next few decades are nothing like the last, how would you prepare? There’s been a lot of talk lately about how the global economy might be slowing down long-term - ballooning debt, lower productivity growth, demographic issues, etc. I’m not here to argue whether or not that’s true. That’s not the point of this post. But hypothetically, let’s say the next few decades aren’t as good as the past few decades in terms of stock market returns and economic growth. How would you prepare for that? What would your portfolio look like? What assets would you allocate to? Would you change your strategy or stick to what’s worked historically? Curious to hear everyone’s thoughts. submitted by /u/MrOptical [link] [comments]

So I know the S&P will beat a high-yield dividend fund (let's say a covered call fund like JEPI) over time. But if your contribution limit is $7k lets say, would it make sense to dump into a dividend fund, so that later, you can use the dividend to reinvest into S&P ALONG with your $7k regular contribution? So let's say after 10 years of strictly dividend investing, you can now invest your normal $7k, but also the thousands coming in from the dividend fund. My theory is that in the long run, the reinvestment from dividends will catch up to the lost growth initially. I asked chatgpt to run the math (not entirely accurate i know) and it checks out. Am I missing something in my reasoning? (PS: I could see this not working in a taxable account due to the tax rate for unqualified dividends, but in an IRA, it seems perfect to "circumvent" the contribution limit?) submitted by /u/Yizo1 [link] [comments]

My employer offers both traditional and Roth 401k options. In my mind, the best thing I can do is prioritize the Roth first. But what's unclear to me are a couple of things: Does the employer match count toward the annual limit put on Roth contributions? Does the annual limit on Roth apply to Roth 401ks, or is it just for IRAs? If the annual limit does apply, and I set my contribution to 15%, what happens when I reach the annual limit? (Let's say I make $100,000 a year to keep things simple. This means I'll hit the $7k limit about halfway through the year.) submitted by /u/RayQuazanzo [link] [comments]

I'm just curious about collective thoughts on how this happens. If I understand it correctly, they missed their earnings by like 1%. How does that result in a 20% devaluation? I understand their PE is large and their book value is low comparatively, but is that it? I hold $0 in UNH directly, am not affiliated with the company don't really care that much. Just curious. submitted by /u/datboi_527 [link] [comments]

Grok (AI bot) estimates odds of April headline CPI coming in over 2.5% at 60% based on tariffs and other factors. https://grok.com/share/c2hhcmQtMg%3D%3D_54daf6fa-166f-4971-984e-e7af46d30c21 Kalshi has it at 11% and IBKR ForecastTrader at 18%. Edit (mod request): I see two opportunities as pointed out: arbitrage and upside potential in each individual market. I believe Grok (don't know about other LLM gen AIs) to be a good sidekick when researching market opportunity because it always spells out exactly how it arrived at its conclusions, including the maths. I can then parse the trail and validate the receipts. If any data or logic was in error, I can determine that through back-checking. In this case both its data and methodology appear sound. I see an opportunity for profit based in underestimating likely CPI in May. For reference, I used Grok in April to forecast CPI for March and made a 600% return that I can show receipts for it anyone is interested. In March's case I chose 2.5% or lower which was priced at 0.14 and paid $1 per contract. Additional mod req edit: Structure a trade: On IBKR: Assuming one has an acct first (same w Kalshi), the strategy would be to set bids at the high bid and wait for them to get hit. (15% and 19% respectively, now). If action is too close, one could step up a cent and see what the reaction is. A ceiling of 35-40c would keep the bet well within the odds per Grok while limiting monetary risk. Kalshi: same strategy. For arbitrage only, one could bid up Kalshi to 15c and IBKR down to 15c buy IBKR NO to 85c, thus profiting off both at conclusion regardless of yes or no since they were obtained cheaper than 15c (Kalshi YES) or 85c (IBKR NO) submitted by /u/Electronic_Jetty [link] [comments]

If the US is headed for a recession and the stock market is heading down some more, where might be protected from a US recession? I feel most world stock markets could feel the impact of a US recession. I am in the UK and some UK companies will feel effects (Astra zeneca? GSK?) I don’t really know where to focus my research for stocks or index fund picking at the moment. submitted by /u/Unable_Radish_2925 [link] [comments]

I am tinkering with the idea of starting one. How do you protect yourself from John or Joan who has 5000 quid to their name, they invest and 3 months later the market takes a dive and they want to panic sell? Can you have an application, can you interview on the front end, can you have minimum investment requirements. Obviously disclose, disclose, disclose. Use proper state and federal forms. What else can be done? submitted by /u/No_Mycologist4488 [link] [comments]