Sp500 Futures Live

... StockCharts), DJIA -0.17%%, SP500 +0.13%, Nasdaq Comp -0...74% (negative) $SPXA50R, SP500 %Above 50-dMA 44.20% (negative...of a switch. Oil futures in backwardation are based ...materialize – and then those futures will flip overnight. The traffic...lower as indicated by futures markets). Many countries will also...keep reading). So, for SP500, Fed ERP = 4.7 - ..., so investors can live with lower ERPs (until the ...

submitted by /u/ChromedDragon to r/funny [link] [comments]

submitted by /u/rstevens94 to r/technology [link] [comments]

30 year old who really should have started planning sooner. No loans or debt anymore so I am a clean slate. Pretty healthy savings, a new Roth and a decent 401K through work. Looking for some guidance in my approach to all of this... I recently opened up a HYSA with an initial balance of $100k and a 3.1% APY I get paid weekly and 40%-50% is going to go directly into that account. At the beginning of every year I am going to be putting the max contribution of $7,500 into the Roth to make sure I have as much time in the market as possible for that money. That deposit is going to come directly from the HYSA. Currently the account is 80% FDKVX / 20% FNILX. My 401K is doing pretty good, last year I had a ~27% ROR. This is split up 26% FDEWX / 52% SP500 / 22% NRGSX. Standard 5% company match but I am putting in 14% per paycheck. This currently has about $42k in it. After my investments and savings I have a little bit to play with. Expenses take up the majority of the leftover between insurance, rent, gas and tolls and utilities. So I have about $12k a year to spend freely. Anything that is leftover of that $12k I put into a separate account that I have as rainy day fund which currently has $30k in it since I started it in 2022. I do have an HSA through my health insurance and have been thinking about playing with that (leaving my deductible +25% in there as a minimum) as another avenue to cover myself in the future. I feel like I have struck a good balance and have a good plan. But, I am admittedly a complete novice here with little exposure to investing and no guidance from family/friends on how to save. I am hoping my big expenses in the next 5-years will be on the low side, I recently purchased a new car and am not looking to buy property unless I find a VERY good deal. Trying to live modestly and not go crazy on spending so that I am set up in the future, but don't want to be miserable and not enjoy my life. submitted by /u/Far_Statement6915 to r/personalfinance [link] [comments]

Pretty much what the title says. This is a newer job - been at it about 6 months and have made more and more money each month (sales and fully remote) obviously I know the gravy train could end any day but I believe I’m being conservative with the 300k guesstimate as I’ve made 50k this month already. I am saving a lot each month but also enjoying life - my girlfriend and I have been traveling all around Europe.. currently spending around 10k a month. Am I being dumb by not saving more? I’m trying to balance living and the moment and saving for the future. I was a bartender not too long ago and both my parents are public school teachers. Windfall and money like this is kind of crazy to me. Goal is to FIRE ASAP NW breakdown: 50k Roth IRA, 85k brokerage, 50k bitcoin, 15k cash Mostly SP500 in the Roth and brokerage Anything else I should invest in to retire early? House? I know this job won’t last forever. Any advice would be great! Thanks submitted by /u/Awkward_Potato3929 to r/coastFIRE [link] [comments]

PS here are some explanations for abbreviations that non-dutch people wont know ANIOS --> Doctor who isnt in training to specalist (just a basic doctor working) AIOS --> Doctor in training to specalisation (basically a resident) CLA --> collective labour agreement determing the salary scale in the NL (also called the CAO in dutch) Gross --> Before tax Net --> after tax Also tax rate here is hella high esp for higher incomes (around 50% effective tax rate when earning above 8-9k so yeah) First, some context; I am a medical student (2nd year bachelor's), I take out 1,000 euros per month as a "student loan" from DUO, but I actually have no need for this loan to live on. I invest 100% of the loan in VUSA and have a portfolio value of 27,523 euros so far (2,819 euros profit so far). 5-6k is my own contribution excluding the loan, and the rest of the portfolio comes from the loan. I know that investing with a loan is always a risk, but I am confident that I will eventually make a profit. (2.5% loan interest vs. 8-12% average SP500 return) I know that an average return is no guarantee, but I am willing to take the risk. I am going to invest an extra 5k out of my own pocket sometime this summer (so no loan). Regarding future salary, I might pursue an MD/PhD (that means 2 extra years of studying for a PhD, but I get around 1800 euros net for 4/5 years of my Master's). If I follow the MD/PhD track for 2/4 paid years, I can invest the entire 1800 euros net every month, and invest something around 1000 euros for the other 2 years. If I don't get the MD/PhD position, I will go straight to working in healthcare as an ANIOS for 4 years (during this time I will finish my PhD and also build some research/portfolio for my AIOS application). The average ANIOS salary is around 4800-7300 euros GROSS in the Netherlands (based on 40 hours per week, CAO job group 65), so I expect to be able to invest maybe 1000-1500 euros per month. After my ANIOS, I naturally want to specialize, hopefully in cardiology (I am still undecided between cardiac surgery, general cardiology, and interventional cardiology). Currently, the salary scale for a cardiologist resident (FWG 70) is 5,700-8,500 GROSS, and a cardiologist specialist earns 8,700-15,100 euros GROSS (medical specialist CLA scale). The salaries I have listed here are without overtime pay and according to CLA guidelines. I know that this plan is entirely hypothetical and is certainly not set in stone, but I have confidence in myself that my future (in terms of career) will look something like this. My Questions: - What is best for me to do NOW (e.g. should I look for a side job to invest some extra money? I also need to consider time; I am already working on honors and research, and indeed studying medicine) - In terms of FIRE, is it better to just build my portfolio or also invest in a home, and what should I prioritize (house or portfolio)? - Tips to increase income capacity (e.g. maybe become a self-employed cardiologist or maybe something completely different, naturally related to my medical education) - Stock picks (Currently I only invest in VUSA, so SP500; I see online that everyone talks about diversifying their portfolio but I'm not sure how to balance risk and profit) - Just your opinion on my situation/anything you want to say! Thank you for your attention! submitted by /u/Shuvi69 to r/EuropeFIRE [link] [comments]

submitted by /u/Ill_Definition8074 to r/todayilearned [link] [comments]

 The Dow Industrials ended Tuesday's session down just over 400 points. The 30-stock index curtailed its losses after falling more than 1,200 points at the low. Details: - Published: 03/03/2026 23:02 (UTC) - 📊 Characteristics Score: Asset Type: others Sentiment: -0.85 Entropy: 0.75 Relevance: 0.6 Staleness: 0.3 Uncertainty: 0.9 Level-1 Focus: market-cycles-macro-sensitivity, political-endorsements-opposition Level-2 Focus: interest-rate-sensitivity, geopolitical-influence - 🏷️ Tags: #us-iran #oil prices #stock futures #dow jones #sp500 #maritime trade #adp payrolls #earnings reports Source: https://rwatimes.io/articles/cnbc-stock-futures-slip-as-traders-monitor-latest-developments-in-u-s-iran-war-live-updates-2193440183?utm_source=reddit&utm_medium=social&utm_campaign=reddit&utm_content=cnbc-stock-futures-slip-as-traders-monitor-latest-developments-in-u-s-iran-war-live-updates-2193440183 Posted from RWA Times Bot submitted by /u/rwatimes to r/RWATimes [link] [comments]

Hi all, I recently got laid off from a career in tech that I was really burnt out from. I was hoping to keep working until I reach $2M net worth, but I may have to make do with what I have or try to find some other job. I’ve been following this sub for a while, just made a throwaway. I am a 29M with around $1.3M net worth. I’m Single tax wise, but have a gf where our finances are separate. We are in the US. $330k in 401k $38k in HSA $82k in Roth IRA $646k in after tax $89k in company stock $7.8k in crypto $94k cash Mostly invested in VTI/SP500/Target date ETFs, some individual stocks, and around 10% VXUS. Costs are about $42k a year in MCOL. I know 25x is about a $1M, but I’m very young and I’m uncertain what the future will be like. My dream is to become a musician, specifically with guitar and this was to help fund that life. My gf and I also REALLY want to move out of the US. Been looking at Spain, but seems really hard to get a work visa and the only good option would be the NLV. Would love all of your thoughts on this! Edit: also not sure how healthcare will cost. Assuming an additional $500, it’d be $48k a year. Edit 2: Thanks for everyone’s responses! This is my first post in this sub and I wouldn’t be where I’m at now without the FIRE community. I understand I’m definitely in a good spot, but it was at the expense of my mental health, which I’m taking care of especially now. As for what to do next, I think I will try to find something easier and take a pay cut and work for a little longer (if I can even find anything) or even try to invest in a music career. But will definitely consider taking a gap year as some of you suggested. I think it’s good time to start thinking more about living life! submitted by /u/Automatic_Seat8160 to r/Fire [link] [comments]

Dow set to fall more than 300 points on Trump’s new tariff threat over Greenland: Live updates https://www.cnbc.com/2026/01/19/stock-market-today-live-updates.html Dow down 401 ( 0.81% ) as of this posting ...... Nasdaq down 291 ( 1.13% ) SP500 down 63.50 ( 0.91% ) Gold UP 1.81% Silver UP 6.69% !!! ( WOW ) Stock futures on Monday night pointed to a downbeat session on Wall Street as President Donald Trump intensifies his rhetoric on Greenland, threatening to impose new tariffs on countries opposing the sale of the Danish territory to the U.S. Futures tied to the Dow Jones Industrial Average indicated a decline of 367 points at Tuesday’s open. S&P futures were set for a 0.8% drop, while Nasdaq 100 futures were poised to lose around 1%. Be nice to have a week or two of just normal market information to trade / invest off of ....... and it is only mid January :/ submitted by /u/TACO_Orange_3098 to r/StockMarket [link] [comments]

We (in our 30s) recently entered the double comma club thanks to recent market conditions. I’d like to share our financial story to help inspire others on their journey. I started with a negative net worth coming out of college. I remember cashing out my spare change jar to help cover some graduation expenses. Before my first full-time job check, I asked my landlord to wait three days to cash my rent check. He forgot and I was hit with an overdraft fee. I was 22. From then to now, my/our net worth has grown to $1M. I am now married with young children. My wife is a SAHM. We are in the Great Lakes region of the USA. We’ve been blessed with good health and a solid upbringing from parents who didn’t teach about investing but did demonstrate hard work, living below means, and discernment. I’ll share our asset breakdown, unexpected help and set-backs, and overall lessons learned to date. Plus what’s next! Asset breakdown: Paid off house: $355k 401k is $400k and Roth IRAs at $60k (total $460k) Precious metals: $38k Brokerage investments: $30k 529 investments: $10k Crypto: $5k Cash in HYSA: $86k (emergency fund and savings for new home or rental property) Vehicles and other smaller assets: $20k Unexpected wins: During our engagement, we were gifted $15k from her parents which was about what I still owed on student loan debt so in the first month of marriage, we paid off the remaining balance. We started marriage debt-free and rented for the first year. I should say we have an amazing family and church community who contributed money and practical gifts during our engagement and then for our first child (e.g., wedding and baby showers). My Health Savings Account I started as a working single paid for all of the out of pocket expenses for our first two children. We bought our first home in 2013, sold it and then bought our current home in 2016. The rates were great. Our house has appreciated nicely and, when we bought it, the seller’s moving company accepted our first offer so we bought below retail value at that time. When I started as a RN 16 years ago, I started investing with the company match of 5% not knowing a lick about investing other than HR said, “we really recommend doing this”. I’m glad I did. Steady wage increases over time: I’m still a RN but now in an administrative role. My income has almost doubled in 10 years and I am at $124k/year. Career advice: show up, work hard, and be nice to people. Up until this year, we’ve received large annual tax refunds (from $6-11k). I now realize I was giving the govt interest free money all year and changed our withholdings but, because of this and us not basing our budget on these tax refunds, we would use this money each year to attack our mortgage. We paid off our house in 2020. It was a 15 year mortgage, paid off in four years. Reading Simple Path to Wealth by JL Collins in 2020 shortly after paying off the mortgage inspired us to take the mortgage payment money and increase 401k contributions as well as opening up a Roth IRA. My wife and I are very aligned on money which positively impacts many aspects of running a home together. She brought no debt to the marriage which helped a lot. Set-backs: Not opening a Roth IRA earlier. I was in my low 30s when I did. Being rather haphazard with my 401k choices. A lil of this and lil of that with no strategy up until recently. Last year, I rebalanced my entire 401k to an SP500 Vanguard type fund and am now keeping it simple. Because of my age, I can afford the risk of stocks. I just opened a Roth IRA for my wife. I should have done this earlier. I dabbled with individual stocks starting in 2019. I have regretted numerous buying and selling trades. It was stressful and, looking back, gives me regret on both ends. Now, I follow Collins’ and Boglehead principles and am 95% invested in index funds (Vanguard with ultra low fees). For my wife’s Roth IRA, I am going to follow Ramsey’s ¼ strategy and compare over time how that fares with my 401k which I plan to keep in the SP500 tracker fund for now. I’ve lost probably $3000 on crypto over the last few years. I would have gained $5k if I sold at this particular coin’s height. I still have them but they are ⅓ of the value they were. I now DCA a small amount into Bitcoin each week just to have my foot in the door. Overall lessons-learned: Be consistent. Your 401k is a great wealth building tool. Same with Roth IRAs. Keep it simple. Dollar cost average. Automate. You can do it! Take some ownership and learn for yourself. It’s your money afterall. Buy used and shop around. Let others pay retail. Marketplace, thrift stores, and even the curb on trash day. I reckon 70% of our furniture, clothes, decor, etc. was acquired secondhand. This includes vehicles. We’ve never paid more than $10k for a vehicle and always paid cash. Yes, we’ve had some repairs along the way but overall finding a decent used vehicle has freed up a lot of cash to help us pay off our home early and invest. Even with a $1M net worth, it pains us to pay retail (so we don’t very often). Know where every dollar is going. We have consistently written down everything going in and out. Budget. Plan. Adjust accordingly. Be okay being different. Over the years, we have enjoyed traveling and making memories with our children but we did it carefully. No Disney. No spring break peak- season nonsense. We look for deals, discounts, and buy groceries at Aldi. We have flown Spirit and Frontier (and Allegiant) many times and sometimes get round trip tickets for as low as $40/person. We pack everything into our personal items. It is possible to travel and be fiscally conservative. Learn to enjoy inexpensive hobbies. We like parks, nature preserves, fishing, hiking, etc. Most of these are free or relatively inexpensive. On one trip to Florida, we paid $6 to enter a state park with a natural spring pond and had an absolute blast all day. A rich and meaningful life does not come through new cars, clothes, elegant travel, net worth, etc. but rather having peace with God and others. But how we handle money impacts this peace so it’s important to steward wisely. What’s next: We would like to take both of our parents out to eat for a surprise “thank you” dinner and reveal this milestone to them. “Live like no one else so later you can live and give like no else” - we’d like to start giving more intentionally to people and local organizations we know. Giving has been part of our journey but only inconsistently. We’d now like to regularly bless others in unexpected ways. We are eyeing building, adding on, or buying a new home. I am starting a Financial Coach practice and plan to “graduate” from the Ramsey training program in the near future. Finally, live in the reality that we may never see retirement. We’ve hit Coast FIRE and I could look for opportunities that reduce my hours from full time work and pursue other areas of interest. Regardless, every day is a gift and while we hope for a long life, we know that enjoying the day to day is just as important as saving aggressively for a future that may not materialize. You can do it. Hang in there. I hope this helps inspire you! Feel free to AMA. submitted by /u/stevensyoyo931 to r/DaveRamsey [link] [comments]

 The broad market index posted a third winning session on Monday, lifted by gains in Nvidia. Ten out of 11 sectors rose in the session. Source: https://rwatimes.io/articles/cnbc-stock-futures-are-little-changed-after-s-p-500-notches-three-day-win-streak-live-updates-2786932258 Details: - Published: 22/12/2025 23:52 (UTC) - 📊 Characteristics Score: Asset Type: equity Sentiment: 0.4 Entropy: 0.15 Relevance: 0.2 Staleness: 0.85 Uncertainty: 0.1 Level-1 Focus: public-market, asset-types Level-2 Focus: public-market-equity-and-equity-tokenization, financial-instruments - 🏷️ Tags: #sp500 #nvidia #nyse #dow jones #nasdaq #financials #materials #jpmorgan chase #novo nordisk #dot-com bubble Posted from RWA Times Bot submitted by /u/rwatimes to r/RWATimes [link] [comments]

Providing an update from 2 years ago: https://www.reddit.com/r/fatFIRE/comments/1c1pdp8/40_mf_couple_6m_nw_need_next_stepsadvice_for/ Current Progress Total N/W -> 11M (super happy to finally hit this number like many others in the group) Liquid N/W -> 7.4M (401k 2M and remaining 5M distributed between SP500 and some individual stocks) Primary Home-> 4M, equity 2M Investment Properties -> 2.4M, equity 1.6M (gives about 11k profit per year) Expenses - 320k (living in california, 150k for primary home) HHI = 1.3M but very stressful jobs. 2 kids in elementary and preschool. (not private and not considering it) My question to the group and folks who fatfired is a: Is my FatFIRE number 320*25 = 8M? (but this does not account for taxes) b: If I consider taxes as part of the expense ~17% then is my fatfire number 320*25*1.17 = 9.36M I am not considering the investment property as liquid N/W and will use these in the future in lieu of 529 college plans so no plans to sell them right now Any guidance/suggestions from the group? submitted by /u/ragz2riche to r/fatFIRE [link] [comments]

Living in Toronto - Planning to move up north for a cheap(er) retirement I’ve got $700,000 saved up and it’s entirely invested in the S&P 500. I’m thinking about retiring now and following the 4% rule—taking out 4% annually for living expenses and letting the rest grow. I’d withdraw $28,000 in the first year, I’d adjust the 4% withdrawal for inflation each year to keep my spending power steady. The math implies as long as the sp500 continues to yield 7-8 percent returns yearly for the foreseeable future, in 30 years the balance will be 3.5 million. Is this strategy solid, or am I missing something obvious ? EDIT - I’m not withdrawing $28,000 every year. I’m taking 4% of the portfolio’s current value each year, so by year 20 I would be withdrawing around $80,000. EDIT - One flaw I see in my plan is that the S&P 500 could stagnate or drop for 4–5 years. To address this, I could continue to save up a little more, (300k maybe) and keep it in a HISA or GIC as supplementary income in case this event arises. Might take a few more years to accomplish this. submitted by /u/Serious-Buy3953 to r/PersonalFinanceCanada [link] [comments]

I made a post a few days ago that was focused on the psychology of early retirement. LINK A ton of you had questions about numbers so I figured I'd make a post about that as well. Intro We are all very risk averse. Most people in the world live paycheck to paycheck which would drive most of us insane. Even when I was living in a shitty apartment working a minimum wage job while I put myself through trade school and viewed McDonalds as an extravagant luxury I always had 6 months of living expenses sitting in my savings account. So please keep in mind what is considered "risky" in this crowd is extremely relative. The Numbers I have a net worth around $2.1m. Of that about $1.6 is liquid. It is split evenly between 4 categories: Traditional IRA Roth IRA Cash/Investments (brokerage) Home Equity I'd love to tell you that was some master plan of mine, but it's more just kind of how things worked out. My expenses are around $70k a year. The Future Of my current annual expenses, about $20k of it is my mortgage which has about 11.5 years left on it. My wife is older than I am and will likely be retiring in 2-3 years. She currently makes about $20k a year working part time at our local elementary school. Once she's retired she will immediately go on SS and start collecting her pension which combined should be about $15k a year. I plan to start taking SS at 62 which is in a little more than 13 years. I expect to get about $27k a year. So in 13 years, with inflation adjusted non-mortgage expenses growing from $50k to $70k, and $42k a year in income I will need a withdrawal amount of about $30k a year. Even figuring modest 8% annual gains from the SP500, not the historical average of 10%, I should have roughly $3m at that point. This puts me at a 1% withdrawal rate. Social Security I'm fully aware of the issues SS has. I also know there are some very easy solutions such as removing the cap on annual contributions that would help or possibly even solve these issues. Anyone that thinks "Republicans are going to shut down SS" needs to touch some grass. You know who votes more than any other group? Old people. It would be political suicide and it's just never going to happen. Nevertheless, the SS age will likely go up at some point. As most of us know when SS was created, the average lifespan was 66, so the expectation was that it would only last a year or two, if at all. Now that life expectancy has shot up closer to 80 there is a logic to raising the retirement ages, which is a distinct possibly. However, I find it extremely unlikely that such a change would come without "grandfathering" in everyone that is even remotely close to retirement. This is absolutely a legitimate consideration for the people here in there 20's and 30's, but for old people like me pushing 50 I'm confident that we'll get what's been promised. Health Insurance We're currently on my wife's health plan. This includes are kids who can be on it until 26. This is a significant part of why my wife is still working. My youngest is 23 and just finished her second college degree. I live in Washington State where health insurance is 100% free for anyone with income under $30k a year. This is a number I'm able to stay under by using money in Roth and brokerage accounts. Even if I do go over this amount there are still subsidies that scale with income. So income of $50k a year would mean insurance costs of about $3k. Inheritance I know many of you think it macabre to discuss, but my parents are in their 70's and my MIL is in her 80's. They are financially secure if not "wealthy", a term that means wildly different things to different people. It would not be unreasonable at all to expect inheritance over the next decade that totaled 6 or even 7 figures. As I feel I've laid out in depth with this post, I'm not "relying" on that money. I also in no way consider that to be "my" money. If my 82 year old widowed MIL wants to get a 30 year old boy toy and travel the world partying through every penny she has, then I'll say/think nothing more than on the matter than "You go girl!" But I also find it silly to completely ignore inheritance entirely when thinking about the future. I've talked to my parents about setting up my portion of any inheritance to go into a trust that I and my kids all have access to so that I have the option to just give the money directly to them without it counting towards the lifetime totals of the inheritance tax they might pay someday from my wealth. It can be a tricky and complicated discussion to have so while I think they get what I'm saying I'm not sure how it will actually pan out. It's hard to not sound presumptuous talking about inheritance even when 100% of my goal is to help my children at my own expense. Bonds Other than $50k or so for expenses sitting in high yield savings accounts getting around 5% interest the rest of my money is in index funds. Mostly SP500. Why is that you ask? Well because bonds kind of suck. Buying individual bonds is a pain in the ass and basically ends up being a part time job all it's own. If you wanna make that your hobby in retirement then more power to you, but I personally am not interested. To me it's little different than the people who think managing a dozen rental properties is "passive income". "Well duh" you might be saying, just buy a bond funds! But those kid of suck too. 2022 was a shit year in the market, but that's when the bond market shines right! All those people following the standard advice were delighted to rebalance their portfolios and sell those bond funds at all time highs to reinvest in a down market right??? Oh... wait, no... Turns out when everyone sells a fund, the fund drops. Who knew! In one of the worst years in the stock market the bond market fell just as hard if not worse and unlike the stock market it still hasn't recovered. So you can't rely on it in a down market, and it's annual returns barely beat inflation, and all you really end up doing is missing out on all the growth in the market in return for less safety and less gains then you'd (currently) get in a savings account. Risk At the end of the day, the stock market has been averaging 10% returns for over 100 years. That's good enough for me. Everything in life is risk. Every time you take a shower you might slip and hit your head and die. But (hopefully) we all still take showers. If you wanna run your models based on the assumption that a Great Depression level market crash is going to happen every 5 years then you go right ahead. I'm not going to live my life trying to save up so much money I could survive the complete collapse of the World's economy. It can't be done. "But what if..." However you wanna finish that question I'll just stop you right there. The answer is "I'll figure it out". When it's a dip in the market or the zombie apocalypse I'll do my best to just deal with it. There's a great quote (not from John Lennon, just from some dude writing into Reader's Digest) that reads: Life is what happens when you're busy making other plans. If I run completely out of money in 10 years and have to work until the day I die, you know what? I'll be so grateful that I had these 10 years to live happy and free. Conclusion Hopefully I've satisfied everyone's curiosity and adequately communicated my understanding that this conversation is a whole lot more complicated than simply calculating "Savings x 4% - Spending". I'm not trying to give anyone advice here, just perspective. We all have our own unique situations, attitudes and risk levels we are comfortable with, and this is where I'm at. submitted by /u/Yangoose to r/Fire [link] [comments]

Well, it's official. I put my notice in today, and my last day of work will be Jan 31st. (Last paycheck end of Feb). I've been planning this for a while, and I feel sick to my stomach and negative thoughts are rampant in my mind right now.. Quitting my high paying corp life (early 40s) to travel and live abroad.. been in corp america since 20 years old . No debt, No commitments / family, No life (work is my life) I Will have approx $150k liquid in HYSA that will last me about 3-4 years as I travel/live in SE Asia. I budgeted approx $50k my 1st year to knock out a lot of bucket list items and then transition to slow travel after year 1 and budget around $40k.. I intentionally saved this money in HYSA because this has been my goal for the past 7 or so years .. and plan to use this money as a bridge to a potential early retirement. Money?? Investments approx $775k invested in mostly index funds (total stock market and SP500) about 50% in retirement accounts and 50% in brokerage. Reinvest all dividends.. I'm not ruling out finding remote work in the future.. but hoping over the next 4 (or so) years my investments grow enough that I can safely withdraw 4% to live a comfortable life in SE Asia (Vietnam/Thailand/Indo). I have enough Social Security credits and based on my SS profile I'll have approx $2000 at 62 to utilize (if it's still available, but not counting on it) but will be a nice hedge to slow down withdrawals. I know a lot will say, continue working.. but I'm just burnt out after 20 years of corporate leadership life.. I need a reset & this feel like the right time (emotionally, physically and financially). Are these negative thoughts I'm having normal?? It's not a feeling of regret. Not really sure what it is. But feel really negative. Thanks for any feedback PS . Health insurance and Visas already considered Edit 1. I'm not an East Coast / West Coast high earner so my income is not $200k + a year. And of course I made a lot of money mistakes in my 20s, including a marriage and divorce, so really didn't start saving / investing until 30s. Plus I started to make better money as I climbed the ladder , but I started entry at just slowly worked my way up. Probably made a mistake being with one company over 15 years instead of hoping for 20% Increases. Edit 2. The majority of messages are very supportive about taking the time and resetting which gives reassurance. And some comments are saying no way, which I get too. submitted by /u/OneLife-No-Do-Overs to r/ExpatFIRE [link] [comments]

Saw another thread and realized folks aren’t talking about this. If you have a job and are on minimum wage or poverty wages then this is for you. My folks grew up dirt floor poor and eventually got advanced degrees so here’s a trick the rich always knew we had to learn the hard way. (USA tax rule trick) Yes you’re living paycheck to paycheck. Yes your pay sucks. Put just $20 a month into 401k or for gig workers a sep ira (any credit Union or bank can open one for you but I recommend credit Union) . DO NOT I repeat DO NOT put it in Roth! Put it in traditional. People will argue this with you. You want traditional! Here’s why. It comes out pre tax! So $20 off the pay for a single person is really like $12 off the take home paycheck. Kids or married it’s even more of your money you are keeping. BUT there’s more. Now your tax home pay dropped. That pay take home drop means next year you’ll possibly qualify for a little more food stamp, rental assistance, reduced child care etc and you’ll owe less when you go to do your taxes (because traditional isn’t taxed). Someone with money is gonna tell you you need the Roth to avoid taxes in the future. When you have money you can do a conversion but right now you need to just get your foot on the darn first step of the ladder. Now what to invest in inside the 401k. Here’s the deal NEVER buy your own company stock. It goes south you lose your job and your retirement. You do not need to look for growth like these other people putting big money into retirement savings. You need to ask yourself how much of this can you afford to lose? (Not a penny am I right?) so put it in two spots. Folks are gonna argue this in comments like crazy with statements like but missing out on growth and inflation. Those are people who can afford to lose. So you’re gonna put half of your contribution into something that says the word sp500 or sp2000 or sp some number bigger than 500 plus the word index. That thing is gonna do whatever the market does. When the market goes down do not move it. It’s like a roller coaster. I warned you. It’ll lose money sometimes but over the long haul you’ll do great. So stay put till the ride is over (retirement). The other half, look for something that says government bond. You ain’t gonna get rich on this but it ain’t gonna lose money ever either. So this covers the I can’t afford to lose. Yeah I know I just said risk half but I’m saying this is how to to start so you can grow your money but also still have some if like ww3 breaks out or aliens or whatever else happens. You can change all these investments up when you have money. When you’re the “sure son order that Mac n cheese in the restaurant that we both know is just the craft box” kinda money you can do all sorts of stuff but right now we both know (cause I’ve been there too) you is still at the eye roll at the moron who just ordered this while you bringing it to their table phase. So with that 20 bucks isn’t always 20 bucks when you play the rich guys game. Hope this helps some folks. submitted by /u/EnaicSage to r/povertyfinance [link] [comments]

Hi, Im based in Uruguay, this is an alt account. A lurker of the sub for a while looking for some opinions or points of view that I may skipped. For the past years I started investing on cripto and after two cycles I made a considerable amount of money I have: - 2 properties (one rented) with no loans - emergency fund of 6 months - full time job that pays 2k USD after taxes - 80k in crypto (90% BTC) - 55k USD cash I want to invest those 55k usd in the SP500 and add $300 monthly, I’m below 30 and in my taxes are included my retirement funds Is this a good move? I’m missing something? I don’t mind to wait years, I don’t need that money in the near future, I’m not scared of market going down (coming from crypto I lived a -75% twice) I never invested in stocks before, is ok to invest only in Sp500? Thanks!! submitted by /u/Ok-Excuse-7741 to r/investing [link] [comments]

I share my plan for educational purposes and not as trade recommendations or ideas. Recap: In a premarket note, I added a resistance line at 4460 to outline the trend down over the last week and noted that the market was set to open on a gap up. Though the market didn’t quite make it to 4460, but got close, I played my usual gap strategy as the market began to sell off and crossed below the open price. I exited contracts per that strategy and left a runner to be taken out by a trailing stop. In the plan, I also wrote that there was a “broader support zone now at 4437-47”. This setup played out nicely with a precise touch to the 4442 (the pivot zone also mentioned in the plan) and recovery. This trade moved right up to 4460 where I took paper profits (already got a win on day so didn’t trade live) and let a runner get stopped out. This traded ended up running quite a bit to other levels at 4468 and 4474 Balance/Trend: In today’s plan, I said that the odds were rising that the market moves lower to test the aqua trend line. For this to happen, it would first have to lose the pink triangle, and volatility is incoming to provide more clarity on whether these odds rise any further. Analysis: The market has tested beyond last week’s range and the dip was bought, forming the bottom portion of the pink ascending triangle that I introduced yesterday with support at 4425 and resistance at 4502 for tomorrow. After two days up and with excess of the bottom of both profiles, the market has put in consecutive secure lows ahead of a busy rest of the week. Though these are good indicators of buyers’ intentions, they could easily be taken out on Fed chatter or inflation data that scares market participants. Today’s action began the process of filling in the low volume area up to about 4474, a level I commented on over the last couple of weeks and in the video for this week. With the late price extension up today, the market created a “spike” away from value to carry to tomorrow. Plan I am still watching the broader support zone from 4437-47, with a move below it potentially triggering a short trade for me down to 4410-15, a spot of important liquidity where the market may also look for support Beneath these levels, I am watching for potential support at the aqua blue trendline at 4389/90, which has held steady in the past and from the March lows. Losing this level could signal that a much deeper pullback is in store, especially on losing the next potential support levels at 4380-83, a level I plan to watch closely with 89/90 One final spot bulls would want to hold would be 4368-70, where we have a double distribution on the June 12th weekly profile and profile excess from June 26 Potential supports lower are 4340-42, 4318, 4284, 4277 If the market breaks through 4474, I am watching for resistance around 4493/94 Higher up is triangle resistance at 4502 followed by a resistance level at 4512 that I’ve had in the plan for awhile now The red resistance line in the charts is one that connects levels from April and August 2022 and I would look for the market to find resistance there at 4529 Other potential resistances are 4542, 4595 https://preview.redd.it/djza21zloebb1.png?width=2118&format=png&auto=webp&s=4e165713150ca8b64d2960eaf8e01f0bc34056c9 submitted by /u/OrderflowTrader to r/Daytrading [link] [comments]

I am NOT OP. Original post by u/cmsandiego in r/investing   I investing my life savings into one stock. - 2 November 2015 I know it's not wise, but you have to see it from my perspective. I want to own a house one day in the town where I was born. The cheapest thing available is about $800k. I'm 30 years old, make about as much as I'll ever make, and will never be able to buy a house without getting extremely lucky. Because of the cost of living, I have almost no money left over after expenses. I live like a spartan. Since high school I've saved up about $50k. If I put $50k into an index fund, there's a good chance it will grow around the same rate as property value in my area. At best, if I do everything the right way, I'll finally be a homeowner when I'm 70. So if I'm to get what I want, I'm forced to take a bigger risk than I'd like. I need to find a company that can quadruple my $50k in 5-10 years but also one which, at the very least, won't leave me broke. So today I put all my money in El Pollo Loco (LOCO) - I was also considering Vivint Solar. I'll spare you the reasons which I chose LOCO, but I would like to hear why this was a bad idea. Select comment threads (OOP in bold) Unwind this trade immediately - you're trying to catch a falling knife and don't know what you're doing Reasons being? > you're trying to catch a falling knife and don't know what you're doing   Seriously, no need for b-school. But do consider a cheaper area and look into ways to raise your income (get a promotion, upgrade your skills, moonlight doing something). You're way too young to conclude that you've maxed out your income potential. Going all in on a single stock is not the answer. Both reasons are idealistic, which reddit won't change. 1. I want to live in the place i was born, the town which I like more than any other (small community in San Diego). Most importantly I don't want to leave my friends. What's the point? I think it's a shame a man can't buy a house in the city where he, his father, his grandfather were born. It makes me pretty angry. Add to the frustration I make good money, have an education and 2. I work over 40 hrs a week. Unless my survival necessitates it, I'm not going to ruin my life and soul for money. It's funny you mention you live in San Diego .. because I think the stock you want to put your money in (at least some of it) .. is right there. MAST Therapeutics (MSTX) is a penny stock ... but has a lot of potential. Neothetics (NEOT) is an aesthetics company that is in a phase III trial for a product that is pretty similar to another one that has already been approved (but would be the only FDA approved product for its particular indication). These are both in San Diego. I'll throw out Relypsa (RLYP) as well ..although it is in the South bay. They're either gonna make a ton of money .. or get acquired (and make a ton of money) ... mark my words. Sounds like gambling   So you have 50k of saving since highschool (18 to 30 = 12 years) and have 40 before you're 70, as you're worried you'll be. Let's assume 50 and be optimistic, 50 - 30 = 20 years at a compound rate of an easily achievable 7% from a mutual fund you'll be nearing 200k at 50 without even adding any more money (which isn't ideal). Beats the all eggs in one basket approach if you ask me. Dad died, half inherited. Hard to save with current income. The little I do save I need to see family out of the country once a year. My advice is putting 60% into specific stocks you have a strong feeling about (only if you do research and have some novel ideas) and the rest into mutual funds. Honestly just diversify and youll be good pal. Think of it this way, if you have 3 stocks picks that you all think have a chance at a huge turn around, you should be 3x more likely at actually picking one that does than if you just chose one to gamble on. This is good advice and probably what I should do.   This is why binary option websites exist. There are desperate people out there, not too bright, looking for a lottery payoff. I'm putting my money into a multinational company that's been around longer than 99% of this sub has been alive (if they are alive). Not quite OTC, right?   (in reply to deleted comment) I have to admit a lot of it is simply hubris. I believe it's a good company whose recent visual renovations and menu changes (with emphasis on "healthy") will make it appeal to more than just Mexicans and other southwest folk. There's no reason it can't be nationwide. Huge potential for growth. It's not a new company, it's been around since I can remember, but the IPO and changes toward mass appeal are recent. Where Jack in the Box can go, Pollo can go. Jack has a market cap 10x LOCO. Financially, they've had consistent quarterly earnings growth and have erased huge part of their debt. They just opened up 3 more restaurants in the past month. So no signs of decline, at least to my ignorant eyes. PE under 10, which seems crazy given the industry, the quality, and the fact they've proven they can make money. What does worry me is short interest and lack of insiders holding. For that reason, tomorrow I'll probably buy some puts headed into earnings (Nov 11th). Edit: I'm with you with Marriott. One of my favorite companies. But I'm not sure now is the best time. El Pollo Loco are you a customer of El Pollo Loco? No, think their food is disgusting   http://imgur.com/0hQKNrJ (OOP posted an image of a book called "The Intelligent Investor) FWIW, the top poster in this thread actually did exactly what you asked about (putting it most/all on one company), so there's probably some advice here you should genuinely listen to.   Update to my post 5 years ago of investing all my savings into one stock, you were all right, it was a bad decision. - 3 July 2021 (Post was deleted, below text is from unddit) 5 years ago I posted this (forgot account credentials). https://www.reddit.com/r/investing/comments/3rb09d/i_investing_my_life_savings_into_one_stock/ I purchased $50,000 of El Pollo Loco after it fell from it's IPO, hoping to make a return of at least $200,000 over 5 years. What actually happened is that the stock went sideways for 4 years, and only recent started rising. Now my holdings are worth roughly $80,000 and I am only up a total of approximately $30,000 (60%). Had I invested into a market index such as SPY, I would have more than doubled my money, turning my $50,000 into a little over $100,000. There also would have been significantly less risk. Needless to say, I have sold my holdings and reinvested into broad ETFs. Select comment threads You stated that you were also considering Vivent Solar. It was around $11 when you made the post and was at $45 when it was acquired in late 2020. A 50/50 split, in hindsight, would have been the right move. You were close and both stocks were winners. Either way, kudos on the profit. Truly bizarre to go all in on that one company. Could have been worse but yikes what a strange thread. could have been worse Yup, at least it wasn’t gourd futures   Of all the companies to yolo on you picked el pollo loco? Is this the company from breaking bad? thats pollos hermanos. it would have gotten a better return probably   Don’t feel regret. Celebrate the cheap lesson. 60% over 5 years is still a good return. IMO, a cheap lesson would be losing 10k in 5 years, not making 30k. Profit is the cheapest lesson there is. I mean, it's a loss compared to SP500.   Reminder - I am not the original poster. submitted by /u/star_eater to r/BestofRedditorUpdates [link] [comments]

Well…. According to all the DD and info I’ve been reading for the last 4 months (including all the DD and post made) GME is gonna get into an inflection point soon (IMO as soon as all the DTCC and SEC “firewall” rules come in place. Yes I’m looking at your 801/002 !!) and the bubble is gonna burst (right now the margin call of the bubble must be around 300-450 according to how hard the try to stop the price going up in mid March around $350 and the bubble is lot bigger since). https://www.reddit.com/r/Superstonk/comments/mkvgew/why_are_we_trading_sideways_why_is_the_borrow/?utm_source=share&utm_medium=ios_app&utm_name=iossmf This will cause to pretty much every other stock in the SP500 and the entire market to drop due to the liquidation of assets and portafolios of the shorts/HF (citadel and friends) that they have in other stocks and places. GME is disconnected from the market and the negative beta shows it, but the shorts big portfolios will impact other stocks and indexes. Once the clearing institution receive the signal they will start balancing the books and we will squeeze (you know how’s is gonna play). We can see here the current levels are off the chart https://www.reddit.com/r/Superstonk/comments/mq2iam/just_hold_on_tight/?utm_source=share&utm_medium=ios_app&utm_name=iossmf The effect on the stock and SP500 is gonna cause a ripple effect and cause another problems and this includes the bubble that there is (huge) in the 10 year treasury bonds (just as michael Burry predicted) that will collapse as well and will give shorts tons of money and drive the government illiquid. Don’t forget China owns about 6% of those bonds. this is what Michael Burry has been warning us https://www.reddit.com/r/GME/comments/mil875/michael_burry_handed_us_the_missing_piece_on_a/?utm_source=share&utm_medium=ios_app&utm_name=iossmf The money machine will go brrrrr to print GME money and to cushion the treasury bonds. That will cause too much money to be circulating around. hyperinflation This will cause inflation and hyperinflation, the usual cure to hyperinflation for banks is to limit and stop borrowing money around of all sorts to people by raising the interests heaps. Increasing interest rates will cause a lot of loans to default especially the ones with adjustable rates since people won’t be able to pay them anymore (interest too high). The whole economy including the entire world economy is gonna receive a big blow. Massive spread of wealth. Bubbles hurting everywhere. That is gonna last for a couple or few months until the government start collecting taxes (and start receiving taxes from other sources when apes start spending). the calm after the storm Apes will start spending and buying, returning the money to the banks and to the system, especially after they will use that money firstly to pay all the debts, a lot of those mortgages will be paid and that will relief a bit the bubble. Once the government claim the tax that’s almost 50% of apes money coming back to them plus all the money apes spend in houses, cars and basically giving money away around them. The economy inflation will decrease and things will be cheaper, the economy will be greatly stimulated and a new system will come in place, more regulation for this not to happen again (hope for a more transparent, blockchain, fair system live 24/7). The economy will be better than ever since the money is spread around and not sitting in some people big cushion banks (apes will make business, create technology, make the world a better place!!). Cryptos will be the saving grace of currencies Decentralized currencies like crypto’s will be the least affected in the market chaos and will fall at first (due to the liquidation of HFs and all the fuckery) but then will skyrocket after lots of apes will spend money in cryptos due to lose trust in the centralized market. what to buy to fight inflation? There will be more interest in buying land outright without banks involved, buying gold, art, assets, invest in strong currencies and cryptos (after they recover from this fall) to protect the money and other forms of currency due to the devaluation of the dollar. conclusion This is how I see the game playing for the future. I might make this a DD since I actually like what I wrote hahahah. This is no financial advice, just a regarded ape playing with his logical Crystal ball!! If you like what you read please give it a nice upvote or a nice award so more people can see this. Happy to reply to any comment like in my previous post. “We are not them” -snuffles (Rick and morty) let’s not become them! Please promise me apes that you will do you with your tendies, that together we will make this world a better place. My plan is to try and give away some money to people under the promise to spend 1 hour of everyday trying to make the world a better place, however they want. But under a promise to make one hour of everyday to the world. Much love for everyone! Please let me know if I’m using the wrong flair!! Edit: I’ll be adding all the supporting DD links as I’m collecting them, need more I gather all the DD I read for each bit and piece. Edit 2: few apes told me not invest in diamonds, it’s not a good option anymore because there is a company that manipulates the price of them and has the monopoly. Also they can be produced artificially almost to perfection now. Edit 3: clarifying the negative beta bit. submitted by /u/sydneyfriendlycub to r/Superstonk [link] [comments]

I believe I did pretty well in the market this year. My networth increased ~65% since its lowest point in March, ~350k to 620k. 20k from the car I bought in March. I rolled over a 401k and it messed up Mint's reporting, hence the spike from Jul -> Aug. I beat the SP500 by 40% in my YOLO account, my FAANG account went from 180->300 I did this by following some basic investing principles, buying and holding for the most part, being patient, and only investing in areas which I have expertise in. I did not buy into the TSLA hype, nor do I play options, nor do I play crypto. High level advice: I picked the 7 I agree with. Invest in what you know…and nothing more. Never compromise on business quality When you buy a stock, plan to hold it forever Diversification can be dangerous Most news is noise, not news (don't read articles about investing) The best moves are usually boring (buy and hold) Only listen to those you know and trust I firmly believe that anyone who follows those concepts, they will find success in investing. General mindset: Keep emotions out of the market Don't bother timing the market. Don't get ruled by FOMO. Understand that for some stocks, you can't really average cost down. You will have to stomach buying the stock at a higher entry point. My refusal to average up early on caused me to miss out on a lot of gains. Understand the difference between trading, investing, and gambling. Have an exit strategy (stop losses would have helped me a lot in March, I now learned from my expensive mistake) Be greedy-- not TOO greedy. If a stock pops 10%, I will sell half to lock in profits. It's super common to see a lot of companies pop and the next day dip a bit due to sell off. Perfect time to grab more on the dip. This is obviously impossible to time, which is why I only sell half. Application: I was very specific in the types of companies I would choose to invest in within tech. I decided to follow my strengths. As a data engineer, I'm very intimate with cloud technologies, and I think I generally have pretty sharp business acumen and good strategic direction. As a result, my day to day work had me using a ton of technologies in the cloud space. I've used Splunk, NewRelic, Twilio, AWS, GCP, Hortonworks/Cloudera, Oracle, Tableau, Datadog, Sendgrid (bought by Twilio), Dropbox/box, Slack, Salesforce, Marketo, Databricks, Snowflake, HP Vertica, just to name a few. I was familiar with CDN services like Fastly and Cloudflare because sometimes, I worked with the DevOps and IT guys. Based on industry hearsay, day to day work, eventually, I got a good "feel" of what technologies were widely adopted, easy to use, and had a good reputation in the industry. Similarly, I also got a feel for what tech were being considered 'dated' or not widely used (HP, Oracle, Cloudera, Dropbox, Box). I tend to shy away from companies that I don't understand. In the past, most times I've done that-- I got burned. My biggest losers this year was betting on $NAT and $JMNA (10k total loss). After learning from those mistakes, I decided to only focus on investing in companies that either I or my peers have intimate first hand experience with using. Because of this rationale, the majority of stocks in my portfolio are products which I believe in, I thoroughly enjoy using, and I would recommend to my friends, family, and colleagues. Post COVID, due to the shift to remote work and increase in online shopping I decided to double down on tech. I already knew that eCommerce was the next big thing. I made very early investments into SHOP and Amazon in 2017 for that reason. My hypothesis was that post-COVID, the shift on increased online activity, remote work, and eCommerce would mean that companies which build tools to support increased online activity should also increase. I decided to choose three sectors within tech to narrow down-- these were three sectors that I had a good understanding of, due to the nature of my work and personal habits. eCommerce + AdTech IT/DevOps (increased online activity means higher need for infra) FinTech (increased shopping activity means more transactions) These are the points I consider before I consider jumping into a stock: Do I feel good about using the company? Do I believe in the company's vision? Where do I see this company in 5 years? 10 years? Do I see my potential children being around to use these companies? What does YoY, QoQ growth look like for this company? Is/Will this product be a core part of how businesses or people operate? Who are their customers and target demographic? (SaaS) Customer testimonials, white papers, case studies. If it's for a technology, I'm going to want to read a paper or use case. In March, I took what I believe to be an "educated gamble". When the market crashed, I liquefied most of my non tech assets and reinvested them into tech. Some of the holdings I already had, some holdings were newly purchased. EDIT ^ this isn't called timing the market you /r/wsb imbeciles. Timing the market would be trying to figure out when to PULL OUT during ATH and then buying the dip. I SOLD at the lowest point, and I with the cash I sold AT A LOSS, I reinvested that cash and doubled down into tech. If I sold in Feb, and bought back in March, that would be calling timing the market. What I am doing is called REINVESTING/REBALANCING... not timing the market. I have 50% of my networth in AMZN, MSFT, AAPL, GOOG, FB, NFLX, and the rest in individual securities/mutual funds. I have 3 shares of TSLA that I got in @1.5. Here are the non FAANGs I chose. $SQ. I had already been invested in SQ since 2016. I made several bad trades, holding when it first blew past 90 until I sold it at 70... bought in again last year at 60s, after noticing that more and more B&M stores were getting rid of their clunky POS systems and replacing it with Square's physical readers. After COVID, I noticed a lot of pop up vendors, restaurants doing take out. A Square reader made transactions very easy to make post-COVID. $ATVI. Call of Duty and Candy Crush print money for them. I've been a Blizzard fanboy since I was a kid, so I have to keep this just out of principle. $SHOP. They turned a profit this year, and I think there is still a lot more room to grow. It's become somewhat of a household name. I've met quite a few people who mentioned that they have a Shopify site set up to do their side hustle. I've tried the product myself, and can definitely attest that it's pretty easy to get an online shop up and running within a day. I 5.5xed my return here. $BIGC. I bought into this shortly after IPO. I'm very excited to see an American Shopify. BigC focuses on enterprise customers right now, and Shopify independent merchants, so I don't see them directly competing. I'm self aware this is essentially a gamble. I got in at 90, sold at 140, and added more in 120s. I def got lucky here... it's not common for IPOs to pop so suddenly. I honestly wasn't expecting it to pop so soon. $OKTA. Best in class SSO tool. Amazing tool that keeps tracks of all of my sign-ons at work. $DDOG. Great monitoring tool. Widely adopted and good recommendations throughout the industry. Always had a nice looking booth at GoogleNext. $ZM. Zoom was the only video conf tool at work which I had a good time using. Adoption had blown up pre-COVID already in the tech world, and post-COVID, they somehow became a noun. "Zoom parties" and "Zoom dates" somehow became a thing interwoven into peoples' day to day lives. $TWLO. Twilio sells APIs which allow applications to send messages like text, voice, and video chat. For example, when DoorDash sends you a text at 1 AM reminding you that your bad decision has arrived, that text is powered by Twilio. In March, New York announced that they were going to use Twilio to send SMS notifs for COVID contact tracing. $NET/$FSTY. These two two seem like the ones best poised for growth in the CDN space. This is based off of industry exposure and chatting with people who work in DevOps. $DOCU. people aren't going to office to sign stuff, super easy to use, I like their product. $WMT. eComm, streaming, and a very substantial engineering investment makes me think they have room to grow. Also I really need to diversify. $COST. When is the last time you heard someone say "Man I hate going to Costco and paying $1.50 for a hotdog and soda?" Diversification. Also cheap hotdogs. $NVDA/AMD. GPUs are the present and the future. Not only are they used for video games, but Machine Learning now uses GPU instead of CPU to do compute (Tensorflow for example). Crypto is still a thing as well, and there will always been a constant need for GPUs. Mutual funds/ETFs 1. $FSCSX. MF which focuses on FinTech. $VTSAX Pretty much moves with the SP500. $WCLD. Holdings include Salesforce, Workday, Zuora, Atlassian, Okta, New Relic, Fastly... Titanvest: I was an early access user, and I was able to secure 0% fees for my accout. 36% gains so far. I like them, because their portfolio happens to include shares of tech giants that I either don't have individual stocks for or my stake is low (CRM, PPYL). It nicely complements my existing portfolio. Some things I do that that are against the grain: Not really diversified. 80% is in tech. They are in very different sectors of tech, but the truth is, when tech falls, all of these companies fall. I'm obviously long tech and I do not believe that tech will fall anytime soon. What about the dot com bubble? There wasn't a single dot com company that was integral in our lives. The internet was in its infancy then. Techonology is now such an interwoven part of our lives and I see companies like Apple, Amazon, Google to be sticking around for several generations. I don't read investing articles. I think people who write articles about a stock all have ulterior motives-- to pump or to dump. Case in point-- Citron Research spent years writing articles telling people how SHOP was overvalued. Why did they do that? Because they were shorters at the time. I turned 5k into 27k, because I held on to most of my SHOP shares. I don't take much value from balance sheets, other than net loss, income, YoY growth. Instead, I use my business acumen to try to pick up on info that isn't super apparent from Google. For example, one thing I always do is that I look at the career page to see how the business is growing. Increase on marketing/sales/implementation engineers is typically a solid sign that a company is preparing headcount to take new deals in the upcoming quarters. I look at the product road map, supported integrations, and customer base. One example was how I applied the above principle was to WalMart. In 2018 I noticed that I was getting targeted by a lot of Data engineering job listing for WalMartLabs-- WarMart's tech division. The role was to build out a big data pipeline to support their eCommerce platform. WalMart's online store released in Q3 of 2019. Post COVID, I used their online store and it was a seamless experience. They even offer a 5% cash back card like Amazon. They reported strong Q4 sales last year, and they did very well post COVID. Why did I choose to invest in $WMT? Because I believe that Wal-Mart has room to grow for their online platform. Lastly... remember that wealth isn't accrued over time. It takes years to build. The quickest way to increase your wealth is by investing in yourself-- your career and earning potential. The sooner my income increased, the quicker I had more capital to buy into stocks. Also, if you've gotten this far, the point of my post isn't to say that you should invest into tech. The message I'm trying to get across is-- when picking companies, pick companies in fields or verticals you have good knowledge in. Heed Buffet's advice to only pick companies you believe in and understand. Play to your strengths, don't mindless toss money based on one person's posts on Reddit-- always do your own due diligence. Use DD as a guide and use personal research and experience to drive your decision. submitted by /u/fire_water76 to r/stocks [link] [comments]

Chart of data This data was extracted from Personal Capital and is a plot of my net worth. There is data from before October 2013, but at that time I hadn't linked most of my accounts, in particular my loans. Today was a significant day for me because I had finally reached the point where my net worth is positive. My story is, I finished with about $150000 or so of debt out of graduate school in 2012 and finally started making an income and living on my own. Previously, my only previous job was a low-paying job during college, and this was during the 2007-2008 period. At that time I had no knowledge of what a 401k or a Roth IRA was, no clue about a stock or a mutual fund. The financial meltdown didn't register with me. Even in 2012 after starting my job I was still unaware of anything related to investing. Some time during my first year of working I stumbled upon the The Bogleheads' Guide to Investing book. It was useful knowledge, but I didn't have the determination nor confidence to initiate the plans laid out in that book. It was only a year later, after reading it once more again, did I finally open my Roth IRA with Vanguard. I played it safe with just VTSMX. With regards to my student loans, I was on the IBR plan. I had no clue the amount of loans I would be taking out back then and no idea of the difference between subsidized and unsubsidized. In retrospect, I was never explained any of this when I accepted the financial aid package. Maybe they briefly did but if they did, I never thought about the future. I'm sure they would have explained if I had asked, but they did not volunteer this information (say what you will, but without a good mentor, without knowing what to ask, without knowing where it's headed, you are young and you don't necessarily have the foresight to see this). In addition I didn't realize paying this IBR amount would make a negligible dent to the loan principal. I feel most students and graduates end up in this situation. It's unfortunate I can't explain what happened between 2013 and the end of 2015. My loan about was about $160000 at that point and stayed constant from 2013 until July 2015. I probably hoarded cash during that time (ie sitting in checking account making the bank money; I also did not have the concept of an emergency fund in my mind at this time) and spent it on stuff. I did maintain my yearly maximum Roth IRA contributions, however. It must have been around this time that I realized, gee, I'm accumulating over $10000 per year interest; any payment less than about $850 means all I'm paying is for interest (and my payments were a pitiful $500 a month). Here's a plot of my student loan payments over time. I started paying extra each month when I had the extra money. The increase in net worth over the first half of 2016 cannot be explained purely in terms of paying off student loans, which I won't get into, but let's just say I made some atypical investments that in retrospect I would not have with my current knowledge. In short, stick to the Bogleheads philosophy to investing. If you see charts and numbers claiming high returns and they compare these directly to the SP500, assume they are manipulated (not fabricated, but selected for certain timeframes to make them look favorable). You won't regret ignoring these; just play it safe, slow, and steady. Keeps life simple, keeps the tax returns simple. Continuing on, in mid 2016, my new job started. This one gave me access to a 401k and a great 403b so I have been shoveling money into these accounts to the best of my abilities, so my net worth growth continued on the same trajectory. I also refinanced my student loans, more than halving my interest rate ($10000 to less than $5000 per year). I don't get a tax deduction on student loan interest no longer, plus my future income will be consistent, therefore I was comfortable with refinancing and losing the student loan benefits. With Personal Capital, when they were pulling data from Sallie Mae/Navient, it only looked at the principal and did not include the interest on the principal, therefore I was saddened to see that large dip once the new refinanced amount registered in Personal Capital. Also of note, in 2016, I had been leaving money in a checking account, enjoying seeing my balance grow larger. The realization, however, that doing that just gave the bank extra money that it can use to make money for itself led to me opening a high-yield savings account and diverting my money there and leaving a minimum in the checking account. 1% is not much, but a dollar is still a dollar. With loans refinanced, I paid a steady amount per month. The interest rate is low enough that I feel comfortable diverting money towards investments/savings instead of paying off the loans faster. Every two weeks the remaining extra money bumps up my investment accounts and my net worth number inches towards $0 and it finally broke the $0 barrier this week. I still have a long way to go, but that is another story. It's a long post; thank you for taking the time to read all the way here. If you're early on in your life, mid-life, or even later in life, I hope you picked up a few useful tips and mistakes not to make from my story. Currently I am reading The Millionaire Next Door. I have read quite a few blogs on investing, retiring early, etc, so have a decent amount of knowledge regarding investing safely and reasonably. Even if you feel the same, I felt reading The Millionaire Next Door affirms that living frugally and prioritizing saving is the right path, and the anecdotes in the book about the mistakes people make help me avoid the same ones in the future. submitted by /u/xilex to r/personalfinance [link] [comments]