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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]

Let me get this straight: Oracle announces $455B in RPOs through 2030, driving stock up 40% in a single day $300B of this (66%) depends on a single contract with OpenAI starting in 2027 OpenAI's funding for this contract comes from SoftBank's $500B Stargate commitment SoftBank's total assets are $300B - meaning they'd need to liquidate their entire company just for the Oracle deal This is the same SoftBank that valued WeWork at $47B then watched it collapse, promised $108B for Vision Fund 2 but only raised $56B, and has a 30+ year track record of overpromising and underdelivering SoftBank funding is contingent on OpenAI converting from a nonprofit to a for-profit, which California AG is investigating and could require a $30B+ payment Even if all this works out, Oracle's RPO delivery doesn't start until 2027 - giving 2+ years for this house of cards to collapse Oracle's current market cap surge assumes a company with $168B in assets and under $15B in Q1 2025 revenue will somehow deploy $800B+ across multiple AI infrastructure commitments So Oracle's stock price is essentially a 3x leveraged bet on SoftBank's ability to fund commitments that exceed their entire balance sheet, while navigating regulatory hurdles, legal challenges, and their own history of spectacular failures? submitted by /u/OverwroughtPraise [link] [comments]

I can’t figure out why a 0.25% or 0.5% rate cut would be enough for companies to believe that America’s future looks bright enough to invest and plan ahead with certainty. Up to now, Trump has kept using all kinds of tactics that make people less and less confident about investing. Just look at the recent news he easily destroyed South Korea’s willingness to invest. So what about next time? A 0.25% or 0.5% rate cut is no match for just holding on to cash to guard against Trump wrecking things himself. submitted by /u/AppropriateRefuse590 [link] [comments]

Hi all, could you recommend me a few gold producers that are still trading at a lower price and have great potential for the future? I've got some of the more famous ones already, now I am adding newer producers in a hope for some nice outsized returns. I am mostly looking for mid tier producers but I can consider everything. submitted by /u/Kind-Recover4939 [link] [comments]

I'm curious to know what other people think about it. I bought almost ten shares of it when it first came out in 2024 at 34/share, and now it's up to mid-250s. Do you think it has potential for substantial long-term growth? Or will it be a victim of the eventual AI bubble burst? (I do think it is coming) submitted by /u/RelationshipNo556 [link] [comments]

Help me with your view on this debate I have with a friend. If you have $2m today, whats the bath path to most wealth over a 30 year period? Invest in Property (Residential or Commercial) - assuming a net yield of 6% with inflation aligned rental increases (say 2% pa). Also assuming 50% borrowing and the rest the $2m cash (so property portfolio would be $4m worth) Invest in an ETF (S&P500, Nasdaq or Total World) - assuming a 9% return pa avg What would you do? submitted by /u/shanewzR [link] [comments]

The big tech names have been super volatile lately, so I’m thinking it might be time to look for stocks that are still undervalued. I'd appreciate some mentions of stocks that are still flying under the radar but have a lot of room to grow in the future. I have been eyeing PLTR, LMT and some space stocks, would love to hear your thoughts. submitted by /u/Realistts [link] [comments]

Software has been booming in developments in the past decade, to the point where we know that in the future it will replace 90% of all work done through computers, but we're still unsure of physical labor workers, theres always a deficit in that. I firmly believe thats the future we've yet to see, if you ask most STEM students they'll tell you mechanical engineering will be the new hot field over compsci (im a compsci student myself). Though I haven't seen any promising companies that do that, and I dont really understand economics enough. What indexes or stocks are good for me to invest accourding to my beliefs? Im looking for a long term run. Also feel free to dispute anything i've said if you dont agree, always looking to hear different opinions! submitted by /u/Happy-Youth8497 [link] [comments]

Situation is that I want to keep income at zero while I do Roth conversions in early retirement. The 250K would be to cover living expenses for 3-5 years. Looking for returns that are similar to HYSA, but would only be taxable (at capital gains rate) upon withdrawal. My understanding is that bond and money market funds pay dividends which are taxed as ordinary income. Are there any funds that automatically reinvest dividends without a tax hit? Would tax-free munis be worth the reduced returns in this scenario. submitted by /u/PHL1365 [link] [comments]

I get that the equities market wants to see a rate cut, but I don't understand why increased inflation means that the fed is "more" likely to cut. Didn't we just go through a period where rising inflation meant the fed should raise rates? I mean looks like employment is getting bad too, but its not significantly higher. Anyone care to explain? submitted by /u/apoptosis66 [link] [comments]

I was always taught to primarily pick investments based on fundamentals like P/E ratio, debt ladders, dividend coverage etc. But now it seems people primarily use sentiment based along the business model/area instead. Which do you use? I understand that many people (including me for my retirement scheme) use broad based index funds. But even then you do have choices b/w large/mid/small/growth/value as well as sector funds. submitted by /u/Ok_Atmosphere3601 [link] [comments]

I’ve heard from many that P/E is “useless” when evaluating stocks nowadays due to the high growth companies like Tech stocks that average 30+ price to earnings, what’s an indicator that you still think is still fairly good at depicting a company’s fair(ish) value? submitted by /u/Cluelessjoint [link] [comments]

Anyone else with exposure to domestic and international indices like VOO, QQQ vs VXUS, VWO notice a back and forth happening recently where international is up some days and then seemingly down the next while domestic US are up? Any idea what is causing this? I've been investing in these ETFs for years and haven't noticed such swings until recently. Usually, they are pretty correlated. But now it seems either it's an international/emerging markets day or a strong day for US/down for intl, back and forth... submitted by /u/P4ULUS [link] [comments]

I recently rolled over an old Simple IRA and an old 401k plan that I had from previous employers into a traditional IRA. The FA wants me to sign an ambassador discretionary which will allow him to buy/sale without my discretion and has a 1% annual fee. I haven't paid into either of these accounts in years (since I left their respective employer), and won't be paying anything into them in the future. I innately have a cautious mentality, so off the bat I have hesitations to allow an ambassador discretionary. But, I am also wondering if the 1% fee is acceptable on an account that I no longer pay into and am just allowing it to gain growth on it's own? I'm not savvy in any of this stuff and just need some outside advice, and not solely rely on the words coming from the person who is using my wealth to help his wealth. submitted by /u/Acky1425 [link] [comments]

If we’re being honest they probably should be banned. That being said we already saw the massive hood crash the last time a potential market maker ban was considered. It feels like this should be a big underlying issue as selling orders is about 55% of their revenue (q2 numbers). I don’t see a future where Robinhood ceases to exist as they already have a massive customer base, but a 50% revenue drop would murder stock prices. submitted by /u/MentalCaptain7033 [link] [comments]

Discussing general economy trends: Fed's 99% odds for 25bps cut in September could ease pressures but trigger volatility (jobs revisions show 300K fewer). No promo, just insights. What's a hedging pain in this setup, like costs? Share tactics for navigation. We've been thinking about this a lot. submitted by /u/Narrow_Chance7639 [link] [comments]

I’ve been lurking in a few subreddits and am still unsure of the answers. My previous posts got some great responses so I’m hoping for some good feedback. Thank you. I work, spouse doesn’t right now. My AGI for 2025 is probably going to be > $300k. I will max my contribution to my 401K. Total contribution with employer add will be about $65k. I will max a traditional IRA for my wife. We will backdoor it. We are putting about $1500/month into a joint taxable brokerage. My questions: A. Can I contribute to a traditional IRA? Is there any limit I should worry about if I also have the 401K? B. Assuming I can do A, can I backdoor all of it? C. Can I do a mega backdoor into my Roth 401K? If so, I imagine it would be much at all if anything right? Thank you again. submitted by /u/FlairWolf31 [link] [comments]

I’ve got a 529 for my 4 year old. We put in $250 a month and our financial planner told us we should up it to 400/500. Ok. But I also have been putting $100 a month in a separate kid savings acct for her (capital one). It has almost 5k at this point and a 2.5% APY. Is there any benefit here or should I be putting this elsewhere with a higher rate of return? My thought was that this could be used for a car, down payment, traveling after college- something not education. submitted by /u/searcherbee123 [link] [comments]

Hedged with gold royalties during rate cuts, while also benefiting from strong copper and silver prices in times of economic expansion, truly a cash cow. A stock for eternity? For me, yes. I’m invested for the long term: gold provides downside protection, while copper and silver capture the upside in a recovery. On top of that, the merger with Elemental Altus creates further synergies. With no heavy costs for plants or large workforces, royalties are not capital-intensive, making this an exceptionally efficient business model. What’s your take? submitted by /u/East_Elderberry5385 [link] [comments]

Me and my wife just netted $72,000 by selling our old house. I’m trying to see if the plan we have worked out is solid or not. $40,000 - paying off my wife’s $800+ car payment at a 9.5% interest rate (terrible decision, we weren’t as financially wise back then and we still owe too much on it to trade it in for something cheaper. With this payment and our second mortgage gone though we plan on investing heavily into ETFs, 401ks, and Roth IRAs with the extra disposable income) $10,000 - High yield savings account $5,000 - making renovations to new house $17,000 - S&P 500 We were initially thinking of putting more back for a college fund for our 1.5 year old son but I was thinking if we could grow a solid stock portfolio we may not even need a college fund. Idk what to do submitted by /u/YaBoiCade [link] [comments]

Looking forward to Gemini’s IPO today. Yesterday Figure shot up to $38 at the peak, soaring 50% at the top and closing the day up 24%. I flipped my 84 shares and it was such a nice surprise. Guess Gemini might perform even better tonight. did you guys subscribe? Planning to flip? submitted by /u/Vodaynallkl [link] [comments]

I realize that Robin Hood social has recently been released. Has anyone tried it out, and what has been their experience? How diverse are the topics of discussion......are they mainly discussing growth / momentum stocks? Is there any discussion of other topics, such as, covered call ETF's or bond ETF or asset allocation of a person's portfolio? Thank you in advance for your feedback. submitted by /u/anasarca1 [link] [comments]

From 2021 to 2024, AutoZone's earnings went up 23%, while the stock is up 250%. Revenue is up 28%. The stock didn't dip like everything else in 2022. The stock price is rock solid and is climbing higher every single week. Even companies like Waste Management have higher earnings growth than this, and the stock price is not growing nearly as fast. What's going on? submitted by /u/Chuque [link] [comments]

Hello, I'm 19 and work a full time job while going to college. One of the biggest things I've been told I need to do is start investing. I've heard about ETFs and the S&P500 and other things like that but don't know what they are necessarily. Tried to do my own research before coming on here and I'm still pretty confused. I was thinking of opening a ROTH IRA but I'm not sure what to invest in lol. I close on my own home in a few weeks, and I really want to start to get ahead with my adult life. Any suggestions are greatly appreciated, thank you for your time. submitted by /u/secretlyadam [link] [comments]

I read rate cut cycles correspond with major market crashes Example: https://x.com/StealthQE4/status/1966276540314038466 But then I read statistical correlational data that suggest we are good for another 12 months Example: https://x.com/SubuTrade/status/1966234375256944823/photo/1 How do you reconcile this? The only way I see both being true is if we actually don't have a cutting cycle. submitted by /u/backcountry90320 [link] [comments]

Looking at some of these IPOs and their initial volatility, it's sometimes hard to say whether they are a good value at their current prices. I was specifically looking back at the following IPOs this year: Figure Technology - Launched today. Promising? Coreweave - down from its ATH. Future growth w/ nVidia? Newsmax - initially hyped up. Near IPO price now and flatlining. Firefly Aerospace - Declined from initial IPO. Good complement to RKLB? Voyager - Declined from initial IPO. Figma - Declined considerably. Low price - good buy? Bullish - Too high to buy now? Circle - Too high to buy now? Karman Holdings - Too high to buy now? SailPoint Inc. - Still close to IPO price. Good buy? submitted by /u/JamestotheJam [link] [comments]