From 5d413086f6d89dc34e7fa754e7629d6e796c9338 Mon Sep 17 00:00:00 2001
From: Brandon Crumby <brandon@Brandons-Air.attlocal.net>
Date: Mon, 16 Sep 2024 20:57:25 -0400
Subject: [PATCH] program to fetch data

---
 ._reddit_investing_posts.csv | Bin 0 -> 4096 bytes
 .gitignore                   |   0
 LICENSE                      |   0
 README.md                    |   0
 main.py                      |  83 +++-
 reddit_investing_posts.csv   | 798 +++++++++++++++++++++++++++++++++++
 requirements.txt             |   0
 7 files changed, 876 insertions(+), 5 deletions(-)
 create mode 100755 ._reddit_investing_posts.csv
 mode change 100644 => 100755 .gitignore
 mode change 100644 => 100755 LICENSE
 mode change 100644 => 100755 README.md
 mode change 100644 => 100755 main.py
 create mode 100755 reddit_investing_posts.csv
 mode change 100644 => 100755 requirements.txt

diff --git a/._reddit_investing_posts.csv b/._reddit_investing_posts.csv
new file mode 100755
index 0000000000000000000000000000000000000000..a7e62a5c31197fb53cae1c0a0ac1bb0168962b8d
GIT binary patch
literal 4096
zcmZQz6=P>$Vqox1Ojhs@R)|o50+1L3ClDJkFz{^v(m+1nBL)UWIUt(=a103v`u|Ya
z7@~vW08qIenii1hAaMZ(2C3xyT)o7Cf}B*noW$ai(&E&Vl*E!$<$z$Qo(n)4Xsakf
zU14crQDR<6W?m}8hR1i)K<aWD>nuUEfq{jQwV7E;ih;R-xwUU*a#4P9ep-owYejNu
zjx|WdC>RZa(GVC7fzc2c4S~@R7!85Z5Eu=C(GVC7fzc2ct|7n(^cV<(fm}#NX0bw1
zYH@yPQF5w6T7FTsLS|k`DzH15pO=`EQ>l=X3hXZ?<s{~11N*{IT|=5e^*`JzG7NJ6
G{{sLMzCS7e

literal 0
HcmV?d00001

diff --git a/.gitignore b/.gitignore
old mode 100644
new mode 100755
diff --git a/LICENSE b/LICENSE
old mode 100644
new mode 100755
diff --git a/README.md b/README.md
old mode 100644
new mode 100755
diff --git a/main.py b/main.py
old mode 100644
new mode 100755
index 9c0feaf..040623a
--- a/main.py
+++ b/main.py
@@ -1,12 +1,85 @@
+import os
+from dotenv import load_dotenv
+import requests
+import csv
+
 # Main script for data engineering project
 
 def fetch_data():
     """
-    This function is a placeholder for fetching data from a REST API.
-    Replace this with your code to fetch and process your chosen data source.
+    This function fetches data from the Reddit API.
+    It authenticates using OAuth2, retrieves an access token, and fetches data from a subreddit.
     """
-    print("Fetching data... (this is a placeholder function)")
+    # Load environment variables from .env file
+    load_dotenv()
 
-if __name__ == "__main__":
-    fetch_data()
+    client_id = os.getenv('REDDIT_CLIENT_ID')
+    client_secret = os.getenv('REDDIT_CLIENT_SECRET')
+    redirect_uri = os.getenv('REDDIT_REDIRECT_URI')
+    username = os.getenv('REDDIT_USERNAME')  # Optional
+    password = os.getenv('REDDIT_PASSWORD')  # Optional
+
+    # OAuth2 authentication
+    auth = requests.auth.HTTPBasicAuth(client_id, client_secret)
+
+    # Data needed for the POST request to get the access token
+    data = {
+        'grant_type': 'client_credentials'
+    }
+
+    headers = {
+        'User-Agent': 'DataStream Fetcher/0.1 by Such-Bicycle-8652'
+    }
+
+    # Make a POST request to get the access token
+    response = requests.post('https://www.reddit.com/api/v1/access_token',
+                             auth=auth, data=data, headers=headers)
+
+    # Check if the response is successful
+    if response.status_code == 200:
+        token = response.json().get('access_token')
+        print("Access token received!")
+
+        # Use the access token to fetch data from a subreddit
+        headers = {
+            'Authorization': f'bearer {token}',
+            'User-Agent': 'DataStream Fetcher/0.1 by Such-Bicycle-8652'
+        }
 
+        # Fetch the latest posts from the r/[enter subreddit] with a limit of 100 posts
+        subreddit_response = requests.get('https://oauth.reddit.com/r/investing/new?limit=100', headers=headers)
+
+        # Check if the response is successful
+        if subreddit_response.status_code == 200:
+            print("Successfully fetched data from subreddit!")
+            # Process the fetched data
+            data = subreddit_response.json()
+
+            # Open a CSV file for writing
+            with open('reddit_investing_posts.csv', mode='w', newline='', encoding='utf-8') as file:
+                writer = csv.writer(file)
+                # Write the header row
+                writer.writerow(['Title', 'Author', 'Score', 'URL', 'Created_UTC', 'Content'])
+
+                # Write the data rows
+                for post in data['data']['children']:
+                    post_data = post['data']
+                    writer.writerow([
+                        post_data['title'],
+                        post_data['author'],
+                        post_data['score'],
+                        post_data['url'],
+                        post_data['created_utc'],
+                        post_data.get('selftext', '')  # Extract the post content
+                    ])
+
+            print("Data has been written to reddit_investing_posts.csv")
+
+        else:
+            print(f"Failed to fetch data from subreddit. Status code: {subreddit_response.status_code}")
+    else:
+        print(f"Failed to get access token. Status code: {response.status_code}")
+        print(f"Response content: {response.content}")
+
+if __name__ == "__main__":
+    fetch_data()
\ No newline at end of file
diff --git a/reddit_investing_posts.csv b/reddit_investing_posts.csv
new file mode 100755
index 0000000..95bf12d
--- /dev/null
+++ b/reddit_investing_posts.csv
@@ -0,0 +1,798 @@
+Title,Author,Score,URL,Created_UTC,Content
+Has Seeking Alpha changed recently?,Mossback5280,0,https://www.reddit.com/r/investing/comments/1fg04qp/has_seeking_alpha_changed_recently/,1726247827.0,"Has something happened to Seeking Alpha in the last few weeks? I used to be able to read a number of authors' free articles, but recently everything has been locked down behind their paywall, with promos asking me to sign up for premium. I can't tell what articles are free any more. Are there any?"
+How would you invest in this financial position ,Gorillazinsuits,3,https://www.reddit.com/r/investing/comments/1ffzxg9/how_would_you_invest_in_this_financial_position/,1726247313.0,"What would you do in this position 
+
+I am a 24 year old with a degree and finance and work as a full time actor. I am fortunate enough to have the ability to pay my bills with the grace of putting some away in savings (5.5% APY) while living in California. 
+
+I am super proud of the position I am in financially, but want to know what someone progressive would do to keep the money circulating and growing. Based on the following below, what would be a very reasonable investment to profit from?
+
+- 24 year old
+- living in Cali
+- 790 credit score
+- $30,000 in savings 
+- $12,000 401(k)
+- Annual income: ~$60k
+- Monthly expenses: ~$3,700
+
+Any advice would be super beneficial. "
+"When stocks are sold at a high price for profit, who is it sold to",FarAd336,0,https://www.reddit.com/r/investing/comments/1ffzaai/when_stocks_are_sold_at_a_high_price_for_profit/,1726245686.0,"Let me put in some context here. Imagine a company selling their stocks of an item that has reached a price of 100 dollars that had previously been 50. When the company sees the mass profit of this price, they sell it. But who would buy that stock at that price, knowing it's an expense and it is unrealistic for it to be profitable over and over again. Not all items can be having rising prices forever and making profit for those who stocks are sold to. 
+
+Example, a company buys chocolate stocks. Each chocolate bar is 2 dollars. After buying the stocks and waiting for a sweet spot, the price reaches 6 dollars. The stocks are sold, but the investor who buys these stocks, how would they make any profit from a 6 dollar chocolate bar since increasing that price would be ridiculously expensive for an average person who buys groceries in a commercial market."
+I am considering to diversify portfolio with ETFs,Ok_Secret4642,0,https://www.reddit.com/r/investing/comments/1ffz5wa/i_am_considering_to_diversify_portfolio_with_etfs/,1726245376.0,"Hello, I am investing in the stock market for the past 2 years and 1 month maybe. My portfolio has made a significant growth (43% first year, 10% YTD). These past 2 months were a bit rough to my investments, going from 35% YTD to 10% and I am considering starting to invest in ETFs. 
+
+At this moment, I am looking at VOO and VWCE from Vanguard. Any advice on other steady growth ETFs, also thoughts on my 2 picks ?"
+Is it smart to sell stocks now and then to grab the profit and then immediately re-invest?,Esdoornhelikoptertje,0,https://www.reddit.com/r/investing/comments/1ffz233/is_it_smart_to_sell_stocks_now_and_then_to_grab/,1726245107.0,"We are having this discussion here if let's say you buy stocks, they go up 20%. You sell them to grab the profit. Then re-invest the capital plus gains so any next unrealised losses are on the entire capital including profit instead of only on your initial capital. Does this makes your portfolio not grow much faster? 
+
+The plan would be to sell all the stocks as soon as they reach 20, 30, or more percent and then immediately re-purchase them. Some stay this isn't any better than just holding the stocks. But I disagree, but I have difficulty getting the formulas right. I get that a bad year would still have effect, but good years will have a much better effect than for someone who held right, because the profit is now fixated? If stocks rise again by 20%, it will be an a lot more money? "
+Value investing in (UK) life insurance companies,Pipthagoras,6,https://www.reddit.com/r/investing/comments/1ffwqk1/value_investing_in_uk_life_insurance_companies/,1726239295.0,"If I'm not mistaken, comparing the book value of (UK) life insurance companies is not straightforwards and punished accounts are of limited use to this end.
+
+Most insurers invest heavily in illiquid private assets which have no observable market value, so asset values will be spurious. Sure they can discount expected asset cashflows, but allowances for credit risk in these calculations will require expert judgment and will vary from company-to-company.
+
+Similarly, liability values are based on assumptions which are not published (or at-least not with sufficient granularity and alongside the demographic make-up of liability portfolios to validate quoted liability values). If I can't compare the mortality assumptions, for example, made by 2 different companies then how can I compare the quoted values of their liabilities?
+
+With such long-tailed assets and liabilities and no disclosure of assumptions or valuation approaches, how does one objectively compare the accounts of two life insurers? Obviously regulation such as IFRS17 \_should\_ make accounts comparable, but only to a limited extent since the level of prudence used by different insurers will vary.
+
+  
+I've stipulated that this question relates to UK life insurers because I have a vague understanding of how UK life insurers accounts are prepared - but the question may well relate to various types of insurance company in various countries for all I know."
+Curiosity stream (CURI) has 40 million in cash and is worth 100 million,SmartBets,0,https://www.reddit.com/r/investing/comments/1ffw2fi/curiosity_stream_curi_has_40_million_in_cash_and/,1726237589.0,"Hey,
+
+  
+Curiosity stream has been a disaster for early investors, but last month has given rise to a 75% profit.
+
+Volumes in trading has increased substantially in August and September. 
+
+Q2 quarter report saw 2.5 million in revenue. If that keeps up, or slightly increases I see this upper trajectory continuing.
+
+  
+Marketing is definitely not slowing down and spend is still  there according to reports from CEO and anecdotal from my viewings in youtube. What do you guys think? A buy?
+
+"
+1yr hold on newly opened Vanguard acct.,Meathead1961,0,https://www.reddit.com/r/investing/comments/1ffw17o/1yr_hold_on_newly_opened_vanguard_acct/,1726237499.0,"I opened a money market account with Vanguard in June to park an emergency fund. I tried to move a small amount to my linked checking account just to see the time frame for transfers between accounts. I wasn’t able to access the funds and when I called I was told there would be a 1yr hold on the acct, preventing transfers. I was told this is a new policy to prevent possible money laundering. I argued with the rep that nowhere on their website disclosed this and he assured me that if I needed funds in an emergency, they could overide the policy but it would take extra steps and a couple of days to complete.
+Is this standard in new accounts in other companies?"
+Emerging Markets or Just India?,UpbeatGarden3746,18,https://www.reddit.com/r/investing/comments/1ffshfy/emerging_markets_or_just_india/,1726227314.0,"As a 24-year-old investor with a long-term horizon, I'm trying to build a growth-oriented portfolio. Right now, I’m considering allocating 85-90% in VOO and 10-15% in emerging markets for international exposure. However, given India's rising prominence as a rapidly growing economy, I’m wondering if it might be better to shift my international allocation to Indian stocks instead of broader EM exposure.
+
+India is projected to be one of the fastest-growing economies over the next few decades, driven by its young population, technological advancements, and economic reforms. Considering that, would a portfolio of 85-90% in VOO and 10-15% in Indian stocks potentially outperform the more traditional VOO and EM allocation? Should I focus on India’s long-term potential for stronger growth instead of diversifying across all emerging markets?"
+"Daily General Discussion and Advice Thread - September 13, 2024",AutoModerator,8,https://www.reddit.com/r/investing/comments/1ffq68w/daily_general_discussion_and_advice_thread/,1726218069.0,"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! 
+
+If your question is ""I have $10,000, 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.  
+
+Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq
+And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources.  
+
+If you are new to investing - please refer to Wiki - [Getting Started](https://www.reddit.com/r/investing/wiki/index/gettingstarted/)
+
+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](https://www.reddit.com/r/investing/wiki/readinglist)
+
+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!"
+platform/trading app suggestion for Canadian citizen,Shao_Ling,12,https://www.reddit.com/r/investing/comments/1ffnq04/platformtrading_app_suggestion_for_canadian/,1726207203.0,"/title - I've looked at Scotiabank iTrade, being a Scotia client .. it seemed to be the easiest way to go - I can just move cash from checking to investment account, etc.
+
+idk - it's a maybe
+
+Interactive Brokers .. I tried to register a cash account, it wouldn't let me unless I entered 1M+ in assets or I wouldn't be able to trade options .. or just go through with the registration process at all
+
+Questrade or Wealthsimple? 
+
+what are your best pick(s) for a small account (starting with about 1000$ CAD) and make some short-term 15-30-45 DTE trades, small and easy .. I wouldn't want all trades to be at 4.99/8.99$ but rather a % for commission .. I don't know 
+
+thank you  
+"
+Capital Group American Funds claims they HAVE and CAN beat the indexes…,Dramatic-Ferret-5990,1,https://www.reddit.com/r/investing/comments/1ffng3y/capital_group_american_funds_claims_they_have_and/,1726206048.0,"Here is the article: https://www.capitalgroup.com/individual/pdf/shareholder/MFGEBR-097-619801.pdf
+
+I have done my fair share of research into investing, different mutual funds, indexes and talked to a multitude of different financial advisors over the years. This Northwestern Mutual advisor (a friend sells insurance for them and offered a free meeting with one of their actual financial advisors, so I figured why not). Got in a long discussion about funds he believes in and why. He was preaching American Funds up and down. 
+
+Not my first time hearing the American Funds speech, but he sent me this article by them outright stating they beat out the S&amp;P in the long term by QUITE A BIT. I was a bit taken back by it. Reading over the article multiple times I still don’t necessarily understand the article and the math behind it. It feels like Cheerios telling me breakfast is the most important meal of the day. Or Welch’s telling me a glass of juice will make me live longer. Just seems like they would skew an article like this any way they could to boost investments.
+
+It is a long article and a lot to take in, but interesting nonetheless and would love to see some critiques by people smarter than me as to what they think.
+
+In my opinion American Funds specifically the growth fund of America has done historically well. Especially navigating the dot com bubble which really helps skew their lifetime data on how it compares. Navigating other financial crises they have done relatively average. All while charging high front end loads and ER’s. But never would think that over the long term it would be that much better than the S&amp;P.
+
+What do I know? Not much…"
+21 year old with 10k in the bank 7k in the market. What should I do? ,DesignerGlass6834,0,https://www.reddit.com/r/investing/comments/1ffncol/21_year_old_with_10k_in_the_bank_7k_in_the_market/,1726205665.0,"I am looking for advice on what to do with my money in the bank. I don’t have very many expenses rn as I am doing community college and living at home so I really just spend money on eating out a few times during the week. I don’t want to lock any money away in a Roth IRA. I would like to be able to pull money out to invest in entrepreneurial ventures in the coming years. 
+
+I have 4.8k in a VTSAX and 3.4k in Tesla as of now. "
+Withdrawals from investment accounts,ParallelMantis,0,https://www.reddit.com/r/investing/comments/1ffna7b/withdrawals_from_investment_accounts/,1726205392.0,"If you have 20,000 invested in something like a globally diversified index fund over 10+ years this gives an annualized return of 7% right? But let’s say you make monthly withdrawals of 140 regardless of the current return (so even if you were down). Does that kill investment gains massively thus money should be in a less risky investment or is it still worth it in a riskier index fund?"
+How can small cap index ETF grow in long run?,SeriesNo2294,12,https://www.reddit.com/r/investing/comments/1ffmjee/how_can_small_cap_index_etf_grow_in_long_run/,1726202630.0,"For example market capitalization eligibility differs by index, but for S&amp;P SmallCap 600 it is US$ 1.0 billion to US$ 6.7 billion.
+
+So assume that index starts at year 0 with 600 small cap companies, then they prosper and grow, so the index also grows, but at some point some of the top growers cross the upper market cap level and are dropped from the index and replaced with other small cap companies and you stop to benefit from the best performing companies in the index. 
+
+Is it just a bet that most of small companies grow the fastest and as they grow too big they are dropped because it is believed that their growth will slow down?
+
+"
+Best investment to gift a 16 yo for (potential) long term,Comprehensive-Eye500,0,https://www.reddit.com/r/investing/comments/1ffkzsl/best_investment_to_gift_a_16_yo_for_potential/,1726197354.0,"Wondering what the best way to gift a granddaughter turning 16 with some sort of investment would be. She is actually very smart and interested in investing (as much as any 16 year old can be).
+
+Looking for something neither of her parents could touch, so in her name and perhaps something she (grand daughter) cannot access until after 18 or 21 if possible. If she wants it needs it for college that will be her choice at sone point I guess.
+
+I see a custodial account exists but not terribly familiar and looking for advice to teach and set up something for her future."
+Rolling over money to IRA while still employed?,aTribeCalledLex,0,https://www.reddit.com/r/investing/comments/1ffk0mk/rolling_over_money_to_ira_while_still_employed/,1726194265.0,"Is it common and/or feasible for employers to allow employees “rollover/transfer” money from an employer 401k to a traditional IRA or Roth IRA while still remaining employed with said employer? 
+
+If yes, are there any watchout or considerations in doing such thing such as capital gains tax or fees? 
+
+I’m wanting to invest my money in individual stocks or possibly real estate opptys (self directed IRA), but have no plans to leave my employer. "
+Monitoring Mutual Funds thru Google sheets?,jriker1,2,https://www.reddit.com/r/investing/comments/1ffgtme/monitoring_mutual_funds_thru_google_sheets/,1726184491.0,"I have been monitoring my EFT's with Google Sheets including the name of the stock, quotes, cost basis, dividends per share, annual dividend income and other things.  I also just hard code my CD's in there and just display the value of the CD after maturity in the annual dividend income field.  I just bought into BlackRock Treasury Trust Fund TTTXX in order to park some money there.  I have a decent amount in SGOV so figured it's best not to put more into that fund.  Anyway, does anyone know a good way to pull in data from these mutual funds?  Like to automate pulling in the name of the fund based on like TTTXX.  Obviously it's worth a $1 a share.  Not sure if it can pull in the current percent one should expect to make off it?  Or do I just need to hard code it and calculate the growth say until the end of the year manually?"
+What do you think about the FOMC interest rates policy? Does this affect your investments and insights about the stock market?,Damn_Os,4,https://www.reddit.com/r/investing/comments/1ffghwk/what_do_you_think_about_the_fomc_interest_rates/,1726183523.0,"So the Federal Open Market Committee meeting is scheduled in 5 days and a lot of analysis have been done and a lot of market expectations rely on this, as I see the things the Federal Funds interests rates make leveraged positions more risky and make investors lean towards value instead of growth but what are your expectations about this meeting? and what decision are you expecting from the Fed? 
+
+if a big interest rate cut happens would you change your investment strategy? If interest rates remains the same or higher than you expected what would you do?
+
+After almost a year with over 5% Federal Funds interest rates what do you guys think?"
+"Cannot buy VOO, Have VT, Hows this for a “third option”",Tourdrops,0,https://www.reddit.com/r/investing/comments/1fffcn9/cannot_buy_voo_have_vt_hows_this_for_a_third/,1726180284.0,"I day trade SPY. 
+Because of wash rules I cannot invest as well. 
+
+In my Roth I am 100% VT, dollar cost average 120 (max) weekly. 
+
+I have decided I need a third account for Investing (taxable) and want opinions on this Portfolio of ETF’s. 
+
+Is there any glaring noticeable problem/omissions from this portfolio
+
+40% VTI 
+15 % VXUS
+5% BND
+
+10% SCHD dividends
+
+10% SCHG large cap growth
+
+10% AVGV all equity value small cap
+
+10% AVUV us only value small cap
+
+Would you roll with this for 30 years or just go VTI/VXUS, or VT?
+
+Any advice appreciated!"
+Best method to DCA a sum of 100k?,PrestigiousFennel857,0,https://www.reddit.com/r/investing/comments/1ffd67d/best_method_to_dca_a_sum_of_100k/,1726174473.0,"I'm in a fortunate financial situation where I have a lump sum of 125k to put into the market solely for retirement (I'm likely going to go for VTSAX and its international counterpart--can't remember the name off the top of my head.) I'm in my early 30s, already have existing 401ks as well as a Roth IRA, but this sum will be confined to a standard brokerage account.
+
+I'm lucky enough to live mortgage free with a LCOL and no debt, so the aforementioned sum can be comfortably put away for retirement, as my daily needs are minimal. What method should I use to DCA this money?"
+"Financial Advisor Moved to Wells Fargo, Follow?",angelamar,0,https://www.reddit.com/r/investing/comments/1ffbvxj/financial_advisor_moved_to_wells_fargo_follow/,1726171248.0,"I’ve had a good relationship with my financial advisor, but he moved from Edward Jones to Wells Fargo. Should I move too? 
+
+I was happy with my EJ experience and the fee is 0.5% higher than what it will be with WF. I was able to get an 18% return over 4 years and that helped with my down payment for my house. Since my person did a good job from the beginning and always communicated/met regularly, I am hesitant to switch. 
+
+I’m concerned because of potential hidden fees, Wells Fargo’s reputation, and not seeing this company on top advisor lists. Anyone have experience with Wells Fargo advisors? Thanks in advance. "
+Position transfer not complient with the Securities Trading Act ?,Quantum_Sushi,3,https://www.reddit.com/r/investing/comments/1ffbdez/position_transfer_not_complient_with_the/,1726169950.0,"Hi all !
+
+On the 8th of August I required via email a transfer of positions from Trade Republic to Interactive Brokers.
+They only recently got back with me (11th of September), telling me what I will sum up by ""we've been very busy sorry for the delay, but we're taking care of it now""
+
+Okay then ! I replied asking if they had an estimation of how long it would take for the transfer to finally be executed.
+
+Their answer, summed up :
+
+- your demand has *now* been *treated*
+- please understand it can take a few weeks
+- you can read more about why in this article (which I can't link in this sub, it was a BaFin article)
+
+Now what's interesting is that I actually went and read the article, which provided the following infos :
+
+- According to the **Securities Trading Act (WpHG), article 69**, transfer orders must be executed ""immediatly and honnestly"". However this meant different things for companies and individuals, which led to an increase in complaints in 2020/2021
+
+- Which then led to **article 63 of the WpHG** stating that these transfers must be executed within 3 weeks. If the company fails to do so for whatever reason, they have to inform the customer immediatly after this delay (within 5 business days after delay expiry)
+
+- this was linked to a decision of Munich's superior tribunal, which considered that a company had ""failed in its obligations"" past this delay. **( OLG ) (19 U 1687/06)**
+
+Now, in my case... Their last delay to notify me was on September 5th (accounting for the 5 business days period). They only sent me an email back on the 11th. On top of that, what I'm afraid is happening is that they are only processing this request now, which means I have to wait an extra ""few weeks"" (their terms), during which they told me it was critical not to sell my shares because it'd result in having to buy them back to cover the position etc.
+
+What's annoying is that I was already frowning about these delays as the stock I'm transfering is very volatile and I believe could spike soon, which means I'd want to sell. But now, extra delay ?
+
+So, I'm wondering if what I understood is correct, and if there's anything I can say/do in hopes of making this quicker, as they are not compliant with the regulations. Thanks so much for anyone who could light my lantern and help me with this, and have a great day !"
+Update of paying off mortage vs investing in equities ,Apprehensive_Two1528,0,https://www.reddit.com/r/investing/comments/1ffa0g0/update_of_paying_off_mortage_vs_investing_in/,1726166527.0,"not sure if any one remembers, I posted a post 2 months ago and asked if I shall invest in equities or pay off my 7.885% ARM mortgage.
+
+here is what I did.
+
+Following the end of june discussion, I invested all liquid cash into a bucket of stocks and took the risk of a market downturn.
+
+I sold 2/3 of the mortgage amount of stocks around August 28th and realized some small gains about 0.8% gain and paid 2/3 of the mortagage balance. slightly beat the interest income i could earn from treasury account and had way more flexibility
+
+My equities position currently has respectively 2% unrealized loss and 2.4% unrealized loss in 2 accounts.
+
+my worst performing stocks are
+
+1. crwd, and every one knows why..
+2. qcom
+3. Amat.
+
+Conclusion:
+
+It feels to me it’s actually worth the risk of investing in equities since market can easily beat the mortgage rate with the volatility in market.
+
+I could have gained 8% if i would have sold crwd at the beginning of July…
+
+Just to spur some discussion for a heavily tilted discssion. At that time in June, 3/4 of redditoors said I should pay off the 7.885% mortgage.. I did the reverse.. "
+Help with Roth IRA holdings,shonacb,2,https://www.reddit.com/r/investing/comments/1ff8uxd/help_with_roth_ira_holdings/,1726163686.0,"I initially opened up a Roth IRA with Wealthfront who allocated the funds into the following securities:
+
+* VTI
+* VEA
+* EMB
+* VWO
+* VNQ
+* LQD
+* VT
+
+Then I moved it over to Chase, which gives me much more control over the account and which securities I buy - in fact, I have to now actively choose which funds to put money into. Going forward, which ones should I focus on and invest in? Some of these seem really similar."
+Taxes - does it make a real difference w/ ETFs? S&amp;P 500,CantRecallWutIForgot,1,https://www.reddit.com/r/investing/comments/1ff8qa0/taxes_does_it_make_a_real_difference_w_etfs_sp_500/,1726163370.0,"Hey all, I'm currently using Schwab and I had a question. I can't buy fractional shares of ETFs, so putting a certain amount in each month or whatever is off the table. The platform does have SWPPX, though, which tracks the same index and allows you to buy fractional shares. The issue is that it's a mutual fund, technically, and I've heard they're less tax-friendly than ETFs. Does it make much of a difference in this scenario, tax-wise? Is SWPPX a worse investment than SPLG or VOO?"
+Question re Buying 20-Year Bonds when Rates Falling ,BlueCyber007,0,https://www.reddit.com/r/investing/comments/1ff8ow0/question_re_buying_20year_bonds_when_rates_falling/,1726163272.0,"I want to buy some 20-year Treasury Bonds in the current auction, which is for CUISP 912810UD8, issued 2024-08-15 with a rate of 4.125%. The indicative/expected yield (per Vanguard and Fidelity) is 4.083%.
+
+Am I correct that the price will, therefore, be higher than par (e.g., $103 per $100)?
+
+If so, if I placed an order for 10 bonds ($10,000 face value), then the amount due at settlement would be some unknown amount more than $10,000. How can I reasonably estimate what that amount would be?
+
+In other words, if I want to invest $10,000 in the 20-year Treasury Bonds (i.e., I have $10k available to spend), how would I figure out the correct face value to order so that I can actually pay for the purchase?"
+Dividend Stocks vs Index ,proteinsynthesisman,19,https://www.reddit.com/r/investing/comments/1ff8i6k/dividend_stocks_vs_index/,1726162813.0,"Question, why would someone want to invest in a high dividend fund over just your normal S n P 500 index fun? 
+
+In a podcast I listen to, they often recommend SPYI and praise the dividend income they receive. 
+
+The way I see it, if that money was just invested in something like VOO they would be up much more for the year. And if you are taking your dividends out and spending them, would you ever expect the fund to really grow in value due to you not reinvesting? "
+where to invest if the world is projected to become rainier?,greatbear8,0,https://www.reddit.com/r/investing/comments/1ff81kp/where_to_invest_if_the_world_is_projected_to/,1726161656.0,"Hello all!
+
+Where would you invest if some kind of modelling, let us say climate modelling, shows a significant ramp-up in precipitation globally, that is, storms and the like (even in the Middle East)?
+
+I have thought about it, and maybe I would avoid insurance companies' stocks to begin with, but what to buy? Companies that build roads and dams? But they are often very big companies who are also into other types of construction.
+
+Any other sectors?"
+How do I get myself out of the fear due to uninverting yield curve?,confused-student1028,0,https://www.reddit.com/r/investing/comments/1ff6hnl/how_do_i_get_myself_out_of_the_fear_due_to/,1726157795.0,"Almost every time (I think only one exception in the past century) when inverted yield curve becomes uninverted, economy goes on a downturn if not a straight up recession, and stocks drop or crash. 
+
+Yield curves just uninverted this week, and I pulled everything out of the stock market in fear of just that- if my money was in snp500 in 2000 it would take 7 years to come back after the crash, and one year later it would crash again and not to come back for another 6 years.
+
+What makes it different this time? Is it wise to hold off most money from stocks in the next year?"
+Avoiding settled funds violations,a_printer_daemon,1,https://www.reddit.com/r/investing/comments/1ff4ty5/avoiding_settled_funds_violations/,1726153619.0,"I understand why we settle funds first. E.g., Don't want a free ride violation. But what about the following:
+
+1. I have held stock X for a year, but want to sell off my position.
+2. I sell stock X and get $500.
+3. I *reinvest* the same day into stock Y, which I plan to hold, without waiting for the settlement period to elapse.
+
+Are there violations that could still occur in this scenario? Since X sold I will have the money, and if I'm looking to hold Y, then I'm not going to be free riding (minimally). Is this safe, or should I just wait?  
+
+Edit: Concensus (and broker's advice) says this is good as long as selling of Y doesn't occur. Looks like we are good!
+
+Mods, feel free to close to commentary if you see this."
+Dividend Investing Question,Ok_Assignment4100,0,https://www.reddit.com/r/investing/comments/1ff4hhd/dividend_investing_question/,1726152746.0,"I came across this known YouTuber, and he mentions that you can take out your principle investment any time by selling it if you no longer wish to hold onto a stock. And you will not lose your principle / initial investment. Here's the video:
+
+https://www.youtube.com/shorts/IKQNmcE8Zvk
+
+Obviously, the changes that matter is dividend yield% and the share price. Otherwise, is this true?"
+" It’s easy to buy gold, how /where do I sell it?",moonbunR,158,https://www.reddit.com/r/investing/comments/1ff40k9/its_easy_to_buy_gold_how_where_do_i_sell_it/,1726151535.0,"A lot of people talk about how easy it is to buy gold—whether it’s from big retailers like Costco, online dealers, or even local shops. However, once you’ve accumulated gold bars or coins, the big question becomes: how do you sell it, and where?
+
+For example, who buys gold from individuals like us? Is there a marketplace or a network of dealers who are specifically interested in purchasing gold? And how is the selling price determined? I know the gold market has fluctuating spot prices, but does that fully control what you’ll be paid? Are there fees or deductions to expect from the buyer, and if so, how do those typically work?
+
+Another thing I’m curious about is the process itself. Is selling as straightforward as walking into a shop or dealer with your gold bars, or is it more involved? Do you need certain paperwork or certificates of authenticity to get the best value? For those who’ve gone through it, how was your experience? Were there any surprises, such as the buyer's inspection process or additional costs like testing?
+
+I’m asking because I’ve heard mixed opinions. Some say the resale market can be a bit tricky due to premiums, buyer fees, and market demand. Others say it’s as simple as finding a trusted dealer or listing it on a marketplace. I’m interested in hearing about real experiences from anyone who has sold their gold bars or coins. How did you find a buyer, and was the process smooth or difficult? "
+Presidential elections and the market ,smegma-man123,0,https://www.reddit.com/r/investing/comments/1ff3oam/presidential_elections_and_the_market/,1726150654.0,"How do presidential elections historically affect the market ?
+
+Do people hold back and wait in the months prior ? 
+
+Is there a historical trend based on dems vs republicans winning and ensuing market trends?
+
+How do you think markets would react specifically to Harris vs Trump
+Victory? 
+
+I have a large sum I want to DCA into index funds on a 5 year horizon and I am wondering if I should wait until after the election. 
+
+Thank you kindly for your time. "
+"EU cuts rate to 3.65 from 4.25, now let’s see what will be US’s decision next week",alexc2020,0,https://www.reddit.com/r/investing/comments/1ff1qw3/eu_cuts_rate_to_365_from_425_now_lets_see_what/,1726145348.0,"The European Central Bank on Thursday delivered a quarter-point interest rate cut, marking its second reduction to the deposit rate this year.
+
+The widely anticipated move comes after a period of sluggish economic growth across the euro zone and cooling inflation, which fell back toward the central bank's 2% target in August.
+
+The ECB lowered its 2024 growth forecast to 0.8%, down slightly from an earlier projection of 0.9%, citing ""weaker contribution from domestic demand over the next few quarters.""
+
+https://www.ecb.europa.eu/stats/policy_and_exchange_rates/key_ecb_interest_rates/html/index.en.html
+"
+Leading Market Platforms and Utilities,Juicebo-x,0,https://www.reddit.com/r/investing/comments/1ff1pnp/leading_market_platforms_and_utilities/,1726145249.0,"Hello,
+
+I’m getting back to tracking the markets and I wasn’t ever really happy with the platforms, applications and utilities I was using the last time I was trying to keep up with things day-to-day. 
+
+I currently lean heavily on Schwab’s platform and ToS, as well as the stocks app on my iPhone now that I switched over. 
+
+What do you all prefer? Where do you do your research? Comb news? Look at/track the markets? Please share your favorite platforms/utilities!
+
+TIA!"
+Prosper and why I hate Texas,Iron_man_wannabe,0,https://www.reddit.com/r/investing/comments/1ff15ab/prosper_and_why_i_hate_texas/,1726143484.0,"*Edit.  Wow.  This was meant to be a bit sarcastic and more or less stating that I didn't think any government should limit where anyone puts their money.
+Also, I clearly state that I'm not a savvy investor and also very facetiously state that stocks go down when I buy them.  Meant as a self-deprecating joke.
+I have other investments.  Some are doing well.  
+
+Just a quick rant.  I'm not what one would call a savvy investor.  I joke with friends and family that the only sure-fire way to make sure a stock will go down is to wait for me to buy it.
+
+That said, early last year I invested a small amount in Prosper, which is peer to peer lending.  It is also banned from Texas due to Texas' Blue Sky laws, or so Google tells me.  Anyway, I have averaged a near 12% positive return on that and honestly just wish I could keep throwing money at it.
+
+Literally everything else I have money in is currently at a loss.
+
+Rant over."
+Is it beneficial for the total expected returns of a stock portfolio to rebalance occasionally between individual stocks?,Former_Importance551,0,https://www.reddit.com/r/investing/comments/1ff0vob/is_it_beneficial_for_the_total_expected_returns/,1726142637.0,"Assuming efficiently priced stocks, is it beneficial for the total expected returns of a 100% stocks portfolio to rebalance occasionally between stocks, rather than to buy and hold? Why?
+
+I imagine that it is allowing any holding to become too big increases idiosyncratic risk in the portfolio and rebalancing combats this. But perhaps this is incorrect or not the full picture?"
+The issue of retaining an IRA account due to a change in work location,ValerionVaults,1,https://www.reddit.com/r/investing/comments/1ff0kzl/the_issue_of_retaining_an_ira_account_due_to_a/,1726141705.0,"I'll be transferring to Hong Kong for 4-5 years due to work, which means I won't have taxable income in US during that time. Since I won't be able to contribute to my IRA account, I'm considering opening a cash account at a local brokerage in Hong Kong for short-term contributions. I know I can keep my IRA account open, but if I end up staying in Hong Kong long-term, I'm unsure whether it's worth keeping. There seems to be a fine for withdrawing money from an ira account before age 59?
+
+Has anyone been in a similar situation? I'd love to hear your experiences and any advice you have."
+Trying to find ETF allocation (4 funds).,Left_Fisherman_920,1,https://www.reddit.com/r/investing/comments/1fez4ir/trying_to_find_etf_allocation_4_funds/,1726136416.0,"Trying to find ETF allocation (4 funds).
+
+
+
+Planning on retiring in 27 years and want to allocate the following 4 ETF’s. 
+
+
+
+My selection is as follows:
+
+- VUG - core holding since it’s 50% tech with a bit of diversity. I don’t like the full diversification of VOO.
+
+- SOXQ - I believe this is going to have another run within the next 10-15 years. 
+
+- JEPQ - I need the income to begin accumulating for a particular goal.
+
+- SCHD - dividend and will balance out the remaining holdings.
+
+- PLTR - holding for long term.
+
+
+
+Poke holes in this so I can have a myriad of opinions to research more and make a better informed decision.
+
+
+
+Thanks in advance."
+Two questions about investing on apps,speedco,0,https://www.reddit.com/r/investing/comments/1feyyxe/two_questions_about_investing_on_apps/,1726135810.0,"These questions pertain to trading on an app like WeBull or Robinhood
+
+1. If I bought 100 shares of Stock A at $10 each over a year ago.. and then I buy 10 shares of Stock A at $15 a week ago, if I sell 10 shares today at $20 each, will I pay long term or short term capital gains tax on it? 
+
+2. When an app shows after hours percentage changes, do these after hours percentage gains and losses reflect the percentage change from the stock price at market open? Or do the after hours percentage changes refer to the percentage change from market close? "
+Can I rollover my DCP into an IRA of 401k after leaving job?,PhotoJoe_,0,https://www.reddit.com/r/investing/comments/1feyega/can_i_rollover_my_dcp_into_an_ira_of_401k_after/,1726133393.0,"Basically the title. My last job had a Deferred Compensation Plan. I contributed mostly DCP, but they also had an option for Roth DCP. I left that job recently. For simplicity, I was wondering if I would be able to rollover that DCP into one of my other brokerages or accounts without creating a taxable event?
+
+  
+Thanks"
+"Daily General Discussion and Advice Thread - September 12, 2024",AutoModerator,1,https://www.reddit.com/r/investing/comments/1fey0oc/daily_general_discussion_and_advice_thread/,1726131668.0,"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! 
+
+If your question is ""I have $10,000, 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.  
+
+Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq
+And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources.  
+
+If you are new to investing - please refer to Wiki - [Getting Started](https://www.reddit.com/r/investing/wiki/index/gettingstarted/)
+
+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](https://www.reddit.com/r/investing/wiki/readinglist)
+
+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!"
+Good idea to buy bond funds before the rate cut?,mrandr01d,6,https://www.reddit.com/r/investing/comments/1feurzv/good_idea_to_buy_bond_funds_before_the_rate_cut/,1726117694.0,"Hey all, 
+
+First time in this sub, looking for some advice. I have my emergency fund sitting in a money market find getting about 5% right now. This is fine, but with the fed's rate cut coming up next week, I figure that interest rate is going to go down. I'd like to preserve getting the higher interest rate. 
+
+If I need to dip into this emergency fund, I won't need all of it for quite some time.
+
+Are there any bond funds that would be a good buy before the rate cut to preserve the higher interest I'm currently getting on my emergency fund? What are some things to look for with bond mutual funds?"
+Understanding my employer match,partlycloudy531,1,https://www.reddit.com/r/investing/comments/1feu7uu/understanding_my_employer_match/,1726115624.0,"Employer matching contributions:
+&gt;&gt; 100% of contributions on the first 3% of eligible salary
+plus 50% of contributions on the next 2% of eligible salary
+
+I am trying to figure out how much I need to contribute to get the maximum match from my company 401k. My salary is $100k a year. If I understand this correctly, the max they will contribute is 5% of my salary, which is $5k. So the first $3k I put in, they will match with another $3k? Then to get the last $2k I need to contribute $4k? So that means I need to contribute $7k to get the max match of $5k? It’s confusing though because when I look at YTD contributions, I’ve contributed $6,665 so far and my match is at $3,974. I feel like there is some math I’m not understanding. But mostly I just want to know what my contribution percentage needs to be so I get exactly the full match. 
+"
+Strategies to de-densify $1m in employee stocks,Antique_Cut8181,11,https://www.reddit.com/r/investing/comments/1fet0al/strategies_to_dedensify_1m_in_employee_stocks/,1726111389.0,"Hi there, fortunate enough to have vested $1m in company stocks. What strategies are out there to de-densify, and are there tax strategies as well?
+
+Was thinking I should start making big sales and putting chunks into VOO, but would love thoughts on detailed approaches. Tia"
+Does any company provide a hybrid or a combo managed/self directed account?,las2k,2,https://www.reddit.com/r/investing/comments/1fes2zs/does_any_company_provide_a_hybrid_or_a_combo/,1726108366.0,"Question in title.
+
+Does any company provide a hybrid or a combo managed/self directed account?
+
+Are there any companies that provide a combo or a hybrid sort of account that is managed and also self directed?
+
+Please provide if anything like this exists in the US.
+
+Taxable or non-taxable combo/hybrid managed/self-directed account.
+"
+Two-wheel &amp; three-wheel EVs sector play,zizala_2003,9,https://www.reddit.com/r/investing/comments/1feqsr5/twowheel_threewheel_evs_sector_play/,1726104465.0,"Is anyone aware of a mutual fund or ETF that focuses on two- and three-wheeled electric vehicles as a sector. I don't mean a broader EV or autonomous vehicle sector fund that might incidentally include 2 &amp; 3 wheel manufacturers, but rather a fund that focuses on the emerging (and established) players in this domain? "
+Should I liquidate or just transfer assets,Separate-Row2424,0,https://www.reddit.com/r/investing/comments/1feqjaa/should_i_liquidate_or_just_transfer_assets/,1726103663.0,"I am about to fire my financial advisor and am going to manage my own account. I have Wells Fargo and 5 accounts with them. Two 529's for my kids, one IRA, one stock account and one managed account. 
+
+The total of all the accounts are around $35k. Should I just transfer all the assets out to another brokerage (I was thinking Fidelity since I already have an account with them but I am open to suggestions).
+
+Not sure if I would have to sell everything in the managed account/IRA/529 which has most of my account value, but I am pretty sure I would be paying long term gains tax on these assets. 
+
+What is the best way to go about this? "
+Home equity investment advice!!,suyogshah,4,https://www.reddit.com/r/investing/comments/1fepspu/home_equity_investment_advice/,1726101452.0,"Hello friends, 
+
+We recently purchased our home and we have managed to build an equity of around 80k.
+
+I need some suggestions whether we should take out this money and invest in the market when we refinance.
+
+Current rate : 6% APR - 15 years
+Estimated new rate : 5% APR - 15 years
+
+"
+What's the best investment strategy for aging seniors?,rokizazin77,12,https://www.reddit.com/r/investing/comments/1fen5o8/whats_the_best_investment_strategy_for_aging/,1726093967.0,"Looking for advice on the best investment strategies for mid-60s parents. We are approaching the sale of their primary residence, which will provide them the funds they will have (along with a very small amount of social security) to live out the rest of their lives. The facts:
+
+* They will have around $300k to invest.
+* They did not save *any* additional funds for retirement.
+* Their combined social security, their only income, is around $2,000 a month. It pays for their healthcare and rent.
+* They do not intend to buy again; they are currently renting at around $1,000 a month.
+* They have moderate–to–severe health complications that require in-home equipment and high prescription use. One has a progressing cancer.
+* They have a relatively short projected timeline before either death or the need for 24/h care—about 5–7 years at most.
+
+What would be the smartest way for seniors in situations like these to modestly grow their remaining funds?"
+Roth IRA investment options for a 23 yo female (QQQ or QQQM),TboneTheHamster,0,https://www.reddit.com/r/investing/comments/1femfri/roth_ira_investment_options_for_a_23_yo_female/,1726092060.0,I am a 23 yo female and I recently opened my Roth IRA with 5000 invested. Majority in VOO and then some small investments in single stocks. I want to invest in an ETF following Nasdaq since I have SP500. I am debating between QQQ and QQQM. What would be the best for me to invest in for long term retirement? I feel like QQQM has great potential since its newer and market share is fractional compared to QQQ - is this a correct judgement? 
+How does a Roth IRA grow exponentially?,TaintDempsey,0,https://www.reddit.com/r/investing/comments/1fekz4y/how_does_a_roth_ira_grow_exponentially/,1726088289.0,"Can you help me wrap my head around how a Roth IRA results in exponential growth after x years? In a HYSA I can understand exponential growth. You invest 1000 dollars, then after 1 year of 4% interest, your new balance is $1040. Then after another year you get 4% of that and it grows exponentially year after year. 
+
+But how does this work in an IRA? You don't gain interest, the stock is just worth more over time. And with reinvesting dividends being such a small amount, I don't understand how this grows exponentially. This makes it seem to me that a Roth IRA is just a regular brokerage acct, just one you don't pay taxes on in the back end.
+
+Am I misunderstanding something or missing information somewhere?
+
+Edit: I was adding the percent increase year after year, instead of compounding it
+
+I now understand why it compounds instead of just getting added, I'd like to thank everyone for working with me as I struggled to understand this concept. I'm going to keep this post up just in case any other regarded individuals struggle to grasp basic concepts. Again, thank you. "
+ETFs: Physical Certificate or DRS?,JusticeForSimpleRick,0,https://www.reddit.com/r/investing/comments/1fejro1/etfs_physical_certificate_or_drs/,1726085239.0,"
+Hi everyone,
+
+I’m evaluating whether to hold my ETFs as physical stock certificates or in a digital registered form (DRS). Both options are offered by my brokerage with the same fees, and I'm curious about the practical implications of each choice.
+
+I'm particularly interested in the security and risk associated with physical certificates, especially in terms of reissuance if lost. Given that these shares wouldn't update on the physical certificate under a Dividend Reinvestment Plan (DRIP), how well does this system work in practice? How are dividends managed—do I receive direct deposits, or will I get notifications from the transfer agent?
+
+My preference for physical certificates stems from wanting to avoid the transactional pressure of brokerage UIs, which seem designed to encourage frequent trading. I’m interested in long-term, focused investing without these distractions.
+
+Could anyone share their experiences or insights on:
+
+* Security measures for protecting physical certificates.
+* Any legal or tax differences encountered with physical vs. digital holdings.
+* How long-term accessibility might be affected by opting for physical certificates.
+
+I appreciate your help and respect everyone’s investment choices. If you're more inclined to question this approach rather than offering advice, please consider this a call for experiences and insights only.
+
+Thanks in advance!"
+Why is the $3000 capital loss deduction so low?,LarBrd33,270,https://www.reddit.com/r/investing/comments/1fejp13/why_is_the_3000_capital_loss_deduction_so_low/,1726085060.0,"I get you can apply capital losses against capital gains to minimize your taxable gains.  I get there is a carryover where if you take more losses than gains, you can apply those losses against future gains.  I get that there is a $3000 capital loss deduction where if your losses exceed your gains, you can apply $3000 against your ordinary income.  
+
+I just don't get why that value is so low.  Like, one year I took over 100k in losses (sounds worse than it was) and I suppose if I never were to have gains, I could just apply it against $3000 in annual income for the next 33 years.  $3000 seems like such a small amount, though.  I asked ChatGPT:
+
+&gt;The **$3,000 capital loss deduction limit** has remained unchanged for individuals since it was established under the **Tax Reform Act of 1976**. Since then, the limit has neither increased nor decreased, even though inflation has eroded its value over time. The limit was originally set at $3,000 to allow taxpayers to offset other income with investment losses, but it has not been adjusted for inflation in the decades since its introduction.
+
+Adjusted for inflation, $3000 in today's dollars would be $16,583.83.    That amount makes a lot more sense to me.   Why hasn't this been increased in decades?  "
+Avoiding wash sale when moving from VOO to SPUS,cswld,0,https://www.reddit.com/r/investing/comments/1fej0dg/avoiding_wash_sale_when_moving_from_voo_to_spus/,1726083346.0,"I want to sell VOO holdings and move to SPUS (https://www.sp-funds.com/spus/) for personal religious beliefs and ethical reasons. SPUS is a subset of the S&amp;P 500 filtered to fewer companies (238 companies) based on specific compliance rules:
+
+Would this transaction trigger a wash sale under either of these two conditions?
+
+1. would SPUS be considered “substantially identical” to VOO ? so if i sell at a loss/gain and buy spus , can that trigger wash sale ?
+2. I bought some VOO &lt;30 days ago so if i sell VOO within 30 days of buying it at a previously lower value, would that be a wash sale even if i sell it only at a gain ?
+
+what would you recommend as the best strategy to avoid triggering a wash sale in this case ? Would only selling VOO stocks that are currently at a gain be enough?
+
+Thanks a lot."
+"When and how are you considering investment in quantum computing technologies, companies, and QCaaS? ",whimsicahellish,0,https://www.reddit.com/r/investing/comments/1fehtml/when_and_how_are_you_considering_investment_in/,1726080421.0,"In the long-term, QC investment seems like a no-trainer. Even in the mid-term there is really attractive (albeit risky) opportunities. But there are obvious risks associated with bets on any one of the immature technologies/firms given most (all?) are basically pursuing different technological appeoaches to same ends. Do you wait and see who wins/loses? Do you distribute funds across more players? Do you avoid the hardware side and instead look solely at Quantum Computing as a Service? I feel ready to start buying in, but it's hard not to see companies like Rigetti as simply a penny-stock bet, or IonQ,inc as a meme stock.  Long-story short, I'd love to start a conversation about how you're approaching QC opportunities. Thanks! "
+I have multiple 401ks and 403b and I want to merge them.,Graylily,3,https://www.reddit.com/r/investing/comments/1feh9q8/i_have_multiple_401ks_and_403b_and_i_want_to/,1726079056.0,"I have multiple 401ks and a 403b that i never rolled over to each other.  The 403b has most because i was at the company the longest. My current company has an awful 401k with no match through gusto. Should I roll the 3 into my current company, or into a rolliver IRA and if so which company should I convert to that and then move the intoZ  The 401k ls are in vanguard and paychex and the 403b is in lincoln  I also have a roth at merril lynch. 
+
+I'm mostly a set it and forget investor when it comes to these long term investments, I know low i f'd up not doing it years ago, but here we are. 
+
+What should I be looking for? Any advice on what to do would be helpful, as I know it going to be multiple steps and I don't want to lose a lot of money just getting these into 1."
+Best strategy to use on an overvalued stock? ,fav453,14,https://www.reddit.com/r/investing/comments/1fefx1l/best_strategy_to_use_on_an_overvalued_stock/,1726075724.0,"I'm relatively conservative investor (buy and hold).  I have dabbled in options (wheeling), but other than that pretty straight forward.  I have identified a stock that I think is overvalued and bound to crash, maybe not in the next few months but eventually.  I have heard of shorting but don't want to get into that.  Would buying long puts be a good way to profit from this or are there better ways to approach this?    "
+Investing more % than my Company Match into 401k,LabyrinthLayers,4,https://www.reddit.com/r/investing/comments/1fefj7p/investing_more_than_my_company_match_into_401k/,1726074778.0,"Hello all - I tried to browse for a similar post, but couldn’t find one. I don’t have many people in my circle (family or friends) who would know the answer to this, hoping for some insights here! I am 25 years old &amp; make roughly $60k/y for context.
+
+If my company matches 50% up to 6%, should I limit my contributions to my work-affiliated 401k to that amount? I also have a personal 401k with Schwab, which is riskier because it’s mainly stocks (growth &amp; legacy), and I try to contribute 6-7% there monthly as expenses allow. Currently, I contribute 8% to my company 401k, which is 2% over their match. Am I potentially allocating too much of my monthly goal of 15% of my income to this specific investment vehicle?
+
+TIA!"
+Roth IRA - Changing investment plans to optimize returns,Ok_Assignment4100,1,https://www.reddit.com/r/investing/comments/1fefgh5/roth_ira_changing_investment_plans_to_optimize/,1726074603.0,"I currently and recently invested a couple months ago in both FSKAX &amp; FTIHX in my Fidelity Roth IRA. However, I may just want to sell all my shares of those and put 100% everything into VT. And in my taxable account, I may just invest into VTI &amp; VXUS (I probably won’t have much to invest as I fully max out each year into my 401k and Roth IRA).
+
+Just a few questions with this approach:
+
+1) Selling my shares to buy the VT ETF: Would that affect my long-term growth potential? Or only withdrawing early before 59.5 years?
+
+2) For both my Roth IRA &amp; taxable account: When would it be a good idea to start adding a bond ET: I'm currently in my late 30s and looking to invest until I'm in my early to mid 60s.
+
+3) For my taxable account: What are the benefits of having a VTI &amp; VXUS combo? I'm hearing a lot abous Foreign Tax Credits (FTC) with VXUS, but how does that applyto my situation as I'm looking to retire in the United States (For now).
+
+Thank you! "
+Is this the perfect Roth portfolio?,Kr1s2phr,0,https://www.reddit.com/r/investing/comments/1fefa6p/is_this_the_perfect_roth_portfolio/,1726074169.0,"I’ve been spending a few weeks trying to figure out the right allocations for my ROTH. And I believe I have finally come up with something great. I’ll use this setup going forward.
+
+I’ve used Portfolio Visualizer and PortfoliosLab to come up with these statistics. The benchmark is VOO.  Back tested from 1985 to 2024. Initial amount $10k. Dividends reinvested. 
+
+Let me know what you guys think.
+
+MAIN: 22%
+DGRO: 30%
+MAGS: 15%
+VONG: 33%
+
+
+PORTFOLIO VISUALIZER 
+Portfolio return:         21.5%
+Benchmark relative:  2.0%
+Standard deviation:  8.0%
+Drawdown:                 1.6%
+
+PORTFOLIOS LAB
+Risk adjusted: 85
+Sharp:    85. (2.22)
+Sortino:  81.  (2.94)
+Omega:  86. (1.40)
+Calmar:  88. (3.06)
+Martin:   85.  (11.46)
+
+https://portfolioslab.com/portfolio/ky0hf054ophkmpl1izazr0st"
+What age and salary did you first max your ROTH IRA?,BusinessBabaBoi,51,https://www.reddit.com/r/investing/comments/1fedamh/what_age_and_salary_did_you_first_max_your_roth/,1726069321.0,"Question in title. Just wondering if there’s a general consensus as to when it’d be the smartest.
+
+I know everyone’s living situation is different with rent/kids/varying cost of living etc. but would think it’d be fun to know how everyone goes about it! 
+
+Also apparently Robinhood IRA match doesn’t count towards the $7k limit so you could have $7,210 in your Roth this year. 
+
+The more you know 
+
+Edit: forgot to put my own! I’m 24 just maxed on 85k salary living from home. "
+Are gold miners a good hedge against geopolitical risk?,Ou_deis,0,https://www.reddit.com/r/investing/comments/1fed02m/are_gold_miners_a_good_hedge_against_geopolitical/,1726068603.0,"Goldman Sachs recently recommended gold as a hedge against geopolitical risk. Can (some) gold miners also act as an effective hedge against geopolitical risk? Or would any benefits to them be nullified by other factors, like negative impact on supply chains? Obviously geopolitical risks in the countries where their mines are located  could potentially threaten the mines themselves... but I'd guess it's very unlikely that geopolitical turmoil outside those countries, particularly the (hopefully remote) possibility of China invading Taiwan, would negatively impact their operations?"
+"Sold a piece of investment property netted 625k. I intend to use it to buy more real estate, where should I park this money?",Swoopysloop,0,https://www.reddit.com/r/investing/comments/1fe896w/sold_a_piece_of_investment_property_netted_625k_i/,1726055696.0,"So this deal is part of the larger transactions that’s gonna be over two years. My goal is to double it by then. Considering putting this cash in the money market account or somewhere else that’s earning a decent amount of return or I can tap it if and when I find the next deal. The problem is real estate doesn’t make sense right now, so I’d rather park it somewhere to earn some interest and have it sitting in the savings account. 
+
+I’ve been looking around at Schwab and Edward Jones and everyone hates those big firms. And I don’t quite trust financial advisors as my aunt lost a half million dollars on a bad investment presented to her by financial advisor as the next big thing.
+
+For context, I didn’t come for money. I was homeless at 18 when mom and I got evicted.  My goal has been to leave a legacy for my kids that I never had. It’s going well so far, but obviously the goal is to do better. 
+
+TIA!
+
+Edit: I should’ve been more clear, I don’t use ChatGPT to write things better. 😂My goal is to just put this money somewhere until I can find another real estate transaction to roll into. Real estate doesn’t make sense right now. Rates are high and property is overpriced. It sucks for people just getting in. I’m literally just looking for a medium that I can put cash into and sit on it. 
+
+I’m not sure why I’m getting all the hate, I’m not some rich hedge fund. I’m married with two kids and want to give them a better life than I had."
+Someone try and talk me out of going 50% BRK 50% VOO ,Spiritual_Food_8300,0,https://www.reddit.com/r/investing/comments/1fe6oo0/someone_try_and_talk_me_out_of_going_50_brk_50_voo/,1726049938.0,"Berkshire Hathaway is one of the most successful performing ETFs disguised as an individual stock. Its historical performance is undeniably far more impressive than the S&amp;P 500s. 
+
+I’d love to go in with an open mind and hear everyone else’s thoughts on this take. "
+Portfolio allocation plan,UpbeatGarden3746,2,https://www.reddit.com/r/investing/comments/1fe5ucn/portfolio_allocation_plan/,1726046336.0,"24 yo. $6000 to invest in a long-term horizon. I already have $10000 in bonds.
+
+My portfolio allocation plan is currently:
+
+60% Vanguard U.S. 500 Stock Index Fund  
+15% Amundi Index MSCI Emerging Markets  
+25%: Echiquier Artificial Intelligence
+
+How do you see it? Is it too risky? Not too diversified? Too diversified? Should I take away money from bonds and allocate part of it to equities? Do you have any other portfolio plan that might be better suited?
+
+I plan to add another $6000 next year."
+"Daily General Discussion and Advice Thread - September 11, 2024",AutoModerator,10,https://www.reddit.com/r/investing/comments/1fe5lwy/daily_general_discussion_and_advice_thread/,1726045268.0,"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! 
+
+If your question is ""I have $10,000, 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.  
+
+Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq
+And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources.  
+
+If you are new to investing - please refer to Wiki - [Getting Started](https://www.reddit.com/r/investing/wiki/index/gettingstarted/)
+
+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](https://www.reddit.com/r/investing/wiki/readinglist)
+
+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!"
+"need to find some correct terms about a investment behavior
+",ww-stl,2,https://www.reddit.com/r/investing/comments/1fe0ni6/need_to_find_some_correct_terms_about_a/,1726025107.0,"When you find an important investment opportunity that may not appear a second time,it would force you invest as much as possible————if you don't invest fully enough, you won't get enough profit.
+
+Especially when this opportunity may only come once. Even it forces you to invest fully (even all in) ,even if you will miss other potential opportunities or take great risks. and is not suitable for half-hearted investment(In this case, half-hearted investing behavior not only means you miss out on opportunities, but still taking risks.).
+
+so what are the technical term for such case?"
+Keeping track of dividends? ,Current-Schedule1781,1,https://www.reddit.com/r/investing/comments/1fe0gif/keeping_track_of_dividends/,1726024489.0,"
+
+I'm pretty new and just playing with stocks at this point. How do you keep track of dividends so you can see your actual total gain with a dividend stock vs a normal stock. Do you have to dust off ol excel? Using Robinhood maybe real platforms have a better way? 
+
+This text is just to make my post longer no need to read. Apparently there is a minimum number of characters to post in this subreddit. I'm not sure how this weeds out any posts but makes it so post are just longer and more wordy? "
+Active investing vs paying off debt,below298,0,https://www.reddit.com/r/investing/comments/1fdyv3i/active_investing_vs_paying_off_debt/,1726019411.0,"Hi everyone I'm curious.
+
+If I have personal debt but high income; should I focus 100% on debt elimination until I'm debt free or should I also in the meantime look into short term ROI stock investments while I pay my debt off?
+
+Any tips or precentages on financial allocations would be much appreciated!!"
+"Roth IRA question, 18. First time",Appropriate-Fan-9855,0,https://www.reddit.com/r/investing/comments/1fdvjj7/roth_ira_question_18_first_time/,1726009381.0,"I understand I need to make at least $7k while working to max out my Roth but can I use the $7k I’ve made from stock options this year?? Or does it have to be an actual job. I have about $20k saved up but I haven’t been working a genuine job this year due to college, I’m almost 19 and want to max out my IRA. Any help is appreciated "
+"Help with Vanguard 529 Basics and ""CalKIDS"" Program in California",AlecJTrevelyan,1,https://www.reddit.com/r/investing/comments/1fdtxcb/help_with_vanguard_529_basics_and_calkids_program/,1726004976.0,"Just welcomed a newborn a few months ago.  I'm familiar with IRA (Roth), 401k, pension, etc. as I have all three.  Not too familiar with 529.  From what I understand, a 529 plan is basically the same concept as a Roth IRA.  Post-tax money where the growth is tax free at the Federal level so long as distributions are made for qualifying expenses.  
+
+When I went on the Vanguard website, it looks like you need $3,000 minimum to buy into one of the 529 ""funds.""  Do I have to buy into one of these funds?  Or, can I just open a 529 and buy ETF's like VOO on my own?
+
+Also, I got a letter from CalKIDS and opened up an account to find a $100 in there.  Is this program legit?  Is it a State-sponsored program?"
+Cost Basis difference in Chase Brokerage vs Robinhood when exercising call options,browndroid,1,https://www.reddit.com/r/investing/comments/1fdpqfh/cost_basis_difference_in_chase_brokerage_vs/,1725994508.0,"I have exercised call option contracts on both Chase and Robinhood, and I noticed a difference in the way cost basis is calculated. While Chase ensures that the options premium paid is added to the cost basis, Robinhood conveniently ignores the premium paid and displays the cost price as the strike of the options contract. Wondering why there is such a discrepancy for calculating the cost basis across these two brokerages. Does anyone have any insights they can share?"
+The permanent 2% allocation dilemma,Constant_Air1532,0,https://www.reddit.com/r/investing/comments/1fdpov0/the_permanent_2_allocation_dilemma/,1725994400.0,"Hey guys,
+
+I just had a wild thought that lines up with how Peter Lynch would buy and sell entire sectors. For context, I’ve been running money and dabbling in the microcap space for about a decade now.
+
+So here’s the crazy idea: what if, when building a microcap portfolio, you just allocated 2% of your initial portfolio to each new idea? Then, instead of obsessing over every move, you just let them ride (good or bad) in a bid to capture the real magic of compounding: time in the market.
+
+What do you think?"
+Is investing in small cap stocks at the moment a good idea for alpha? WSJ had an article yesterday suggesting the same,Realistic_Criticism8,3,https://www.reddit.com/r/investing/comments/1fdmuqk/is_investing_in_small_cap_stocks_at_the_moment_a/,1725987532.0,I ended up buying a few shares of VBR but idk if I would be better off just going with VOO instead? Would like to discuss where small cap stocks are headed assuming there are a few rate cuts. What is your opinion? Should one invest in small cap stocks atm to take advantage of the current economic climate- or is this already likely priced in?
+Lets take a lot at HR Management Software,TickernomicsOfficial,0,https://www.reddit.com/r/investing/comments/1fdjmm3/lets_take_a_lot_at_hr_management_software/,1725979541.0,"Lets talk the Human Capital Management Software industry. The 3 biggest players are [$ADP](https://x.com/search?q=%24ADP&amp;src=cashtag_click) [$PAYX](https://x.com/search?q=%24PAYX&amp;src=cashtag_click) [$PAYC](https://x.com/search?q=%24PAYC&amp;src=cashtag_click).  Even as competition has entered the industry ADP &amp; PAYX have keep high client retention. The two seem to have strong moats and trade at close multiples. Right now we have ADP a bit ahead of PAYX due to their stronger brand name trading at a slightly lower multiple. We have ADP compounding at 15.3% while PAYX is projected to compound at 13.5%.
+
+[https://imgur.com/a/USbffqa](https://imgur.com/a/USbffqa)
+
+"
+Should I roll my 401k into my Traditional IRA and then convert to Roth at age 30?,Im_The_One,0,https://www.reddit.com/r/investing/comments/1fdi76z/should_i_roll_my_401k_into_my_traditional_ira_and/,1725975785.0,"Trying to figure out if it's a good idea to roll over my current 401k into an IRA and then do a Roth conversion. 
+
+* Current age: 30
+* Amount in 401K: $21.6k
+* Annual Income: $350k
+
+The estimated taxes on the conversion would be about $8.6k. Is it worth it to roll this over? My new job starts it's 4% match on Jan 1, 2025, so that is when I was planning on starting to max out new 401k every year."
+Inheritance - asset price and asset income discrepancy in europe,Actual-Double-2719,0,https://www.reddit.com/r/investing/comments/1fdhh0z/inheritance_asset_price_and_asset_income/,1725973755.0,"Me and my wife both inherited a good junk of farmland, which in my area has a value of around 20mm. problem is, our families have owned that land for some couple hundreds of years (we are based in europe not US) and so the emotional constraints are fairly large. Also, the combined rental income for the farmland is only approx. 50k p.a.. That would be an astonishing 0.25% return on capital before tax. And i am not joking to you - our market is completely out of balance.
+
+  
+We also have the same problem with houses. We both will inherit 2-3 houses each and every single one has to be renovated which would ultimately eat all profits for 20-30 years. Pay for renovation would be around 3k/sqm and would yield around 10€/sqm/month when rented out. I mean come on.
+
+  
+I know this is a very privileged problem (we both had the pure luck of beeing born into very old families - though no aristocracies), but it still bothers me. take 25 million on any conservative investment with like 5% return and you have 1.25 mill per year for generations to come. What is this market in europe? i dream of beeing in the US. What would you do? Try to make the best out of the situation and rent everything out - though huge miss on capital gains or just try to convince the families to sell everything/parts of it and invest otherwise? "
+"Daily General Discussion and Advice Thread - September 10, 2024",AutoModerator,4,https://www.reddit.com/r/investing/comments/1fdddmk/daily_general_discussion_and_advice_thread/,1725958868.0,"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! 
+
+If your question is ""I have $10,000, 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.  
+
+Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq
+And our [side bar](https://www.reddit.com/r/investing/about/sidebar) also has useful resources.  
+
+If you are new to investing - please refer to Wiki - [Getting Started](https://www.reddit.com/r/investing/wiki/index/gettingstarted/)
+
+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](https://www.reddit.com/r/investing/wiki/readinglist)
+
+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!"
+"Is the concept of ""Equity Risk Premium"" shrinking over time?",DottMySaviour,16,https://www.reddit.com/r/investing/comments/1fdcj3a/is_the_concept_of_equity_risk_premium_shrinking/,1725954996.0,"When I first learnt about investing and studied it from free online materials, I found it very strange that Equity Risk Premium (ERP) is a thing because in my mind, if the market is pricing a stock fairly, it should account for the risk in future cashflows/dividends (earnings) by lowering expectation in earnings instead of ""demanding more returns"" by having ERP. Academic concepts like ""stock beta"" make zero sense no matter how I try to rationalise it.
+
+A few years ago, I also came across Equity Premium Puzzle (EPP) which shows equities have outperformed debt significantly (by 5% to 8%) even when considering survivorship bias. There are studies with over 100 years of data. Since survivorship bias cannot explain EPP, I concluded that perhaps humans are just not very good at pricing equities fairly relative to debt and overcompensate for the risk of equities.
+
+Right now, it seems like every stock is expensive and I'm wondering if this is going to be the new normal. As technology gets better thus access to public information (e.g. company info, economic news, world events, etc) gets easier, and more younger people learning about investing online (since schools around the world don't teach personal finance ever), are equity prices just going to be priced higher (i.e. lower ERP) because now the equity market gets more competitive?
+
+ERP and EPP have always been a very interesting topic to me, but it's hard to find any deep discussion on this."
+Financial Advisors - Private/Hard Money?,HighDesert505,1,https://www.reddit.com/r/investing/comments/1fdc2q6/financial_advisors_privatehard_money/,1725952857.0,"This question is for financial advisors. 
+
+Do any of yall have clients who you’ve helped guide on doing private/hard money lending to real estate investors.
+
+I’m curious if that’s even a route that financial advisors will guide there clients through. I’t seems majority of financial advisors assist with helping people invest in intangible assets like stocks, mutual funds, etc. 
+
+"
+"Warren Buffett said he can get a 50% annual return if he is managing small sum of money, do you think it's possible?",Key_Type_4102,644,https://www.reddit.com/r/investing/comments/1fda1ne/warren_buffett_said_he_can_get_a_50_annual_return/,1725944272.0,"https://youtu.be/v4T1oknATGU?si=MS4IEFprcrxuh5wq
+
+Do you guys think Warren Buffett can really do it?
+50% annual return on small capital?
+
+Warren Buffett said he can get a 50% annual return if he is managing small sum of money, do you think it's possible?
+
+Some people claimed that his method of value investing with huge yearly returns and low risks wouldn't work in today's era because information spreads too fast due to Internet. And some people just claims stocks thats 50% undervalued just don't exist in the current market.
+
+What do you guys think? And if it's possible, how are we going to take advantage of it?"
+Advice On What I Should Do?,Competitive-Ad4561,1,https://www.reddit.com/r/investing/comments/1fd90up/advice_on_what_i_should_do/,1725940570.0,"I’ve always heard how the first 100k is the hardest and im halfway there (50/50 VOO &amp; QQQ) but I really want to get into real estate investing. The main question is:
+Should I invest in index funds until I hit 100k, or pivot into saving up for a rental property? 
+
+I can handle the demand of a rental, I just dont know if I want to wait to hit 100k in stocks first. "
+"Have little mortgage on new home and equity, or invest funds from sale of old home into something else?",OurAngryBadger,4,https://www.reddit.com/r/investing/comments/1fd8nit/have_little_mortgage_on_new_home_and_equity_or/,1725939284.0,"Hi, advice wanted. Buying a new home for $490,000. Already putting up $150k as the down payment, bringing the mortgage to $340,000.
+
+Selling old home as well, should get about $300k for it.
+
+Would you take the $300k, put it on the new house so there's only a $40k mortgage, equity in the home, low monthly payments, etc.
+
+Or take the $300k and invest it elsewhere to pay the $340k monthly mortgage payment (probably about 3,300 / month) off of dividends or something like interest in a high yield savings?
+
+In case it's important, the new home is fairly new and built well with little to no problems, good resale value, nice property, etc. So having equity in it isn't the worst thing."
+Evaluating Down Payment Options for Home Purchase: Impact on Investment Portfolio,oohk1llem,0,https://www.reddit.com/r/investing/comments/1fd8jzd/evaluating_down_payment_options_for_home_purchase/,1725938950.0,"As the title reads I'm facing a decision about how much to put down on a new home and am curious about its impact on my investment portfolio. Here’s a brief overview of my financial situation:
+
+* **Home Purchase**: $815k with options for different down payments.
+* **Income**: Combined $330k/year between my wife and I.
+* **Current Assets**:
+   * **Stocks**: $790k
+   * **Cash**: $60k
+   * **Retirement Accounts (IRA, 401k, etc.)**: Total $348k
+   * **HSA**: $15k
+* **Scenarios**:
+   * **1:** Larger down payment of $407,500, reducing monthly mortgage payments but requiring significant stock liquidation.
+   * **2:** Smaller down payment of $163,000, retaining more stocks for potential market growth but leading to higher monthly payments.
+   * **3:** Middle-ground down payment of $282,500.
+
+Given the current market dynamics and potential for growth, I'm evaluating whether to keep more invested or reduce financial strain with a larger down payment. What strategies would you suggest considering both market conditions and personal financial safety? Thanks for your insights!"
+Best Stocks/ETFs to invest in for 10-15 year growth?,Old-Food2140,2,https://www.reddit.com/r/investing/comments/1fd7gak/best_stocksetfs_to_invest_in_for_1015_year_growth/,1725935459.0,I’m 18 years old and going into college this year. Currently I’ve thrown 500 dollars into a Roth with mostly VOO and some other ETFs so that I can start building compound interest. Just interested in the safest options for 10-15 years of growth if I put 500 dollars in a general brokerage account. Would be looking to possibly use the money down the line to help put a down payment on a house or pay off college loans. 
+Good position tracking with after hours updates?,Ok_Subject_2220,2,https://www.reddit.com/r/investing/comments/1fd5zrl/good_position_tracking_with_after_hours_updates/,1725931010.0,When my account moved from Schwab to TDA my totals no longer reflect price movement before mkt open or after the close. I'm looking for suggestions where I can input my holdings and get updated totals outside of normal trading hours. Maybe 50 line items. Thanks!
+Company seems to be setting up for layoffs. What can I do with 200k cash to generate some income?,Pale_Yoghurt_9549,0,https://www.reddit.com/r/investing/comments/1fd4zww/company_seems_to_be_setting_up_for_layoffs_what/,1725928053.0,"Currently have about 200k net worth, mostly in cash sitting in a HYSA. Now that the threat of layoffs are out there I'm wondering if there is anything better that I can do with the cash to generate income rather than a HYSA?
+
+Currently earning 4.4% APY will probably go down once instrest rates drop. "
+Assets negatively correlated with stocks?,ZjY5MjFk,6,https://www.reddit.com/r/investing/comments/1fd4vwu/assets_negatively_correlated_with_stocks/,1725927717.0,"In two investment books I've read now, they both suggest that ""Obviously of course, it assumes you have other assets negatively correlated with the broad equity market"".  But they don't give any suggestions on what these assets may be ?  They are assuming that ""other assets performing very well when stocks are do very poorly"" to ""smooth out the volatility of the stock market while maintaining a higher rate of return over time""
+
+
+Ray Dalio (famous investor/author) also suggests that you can reduce risk while keeping same expected returns if you ""simply"" having 10 to 12 assets that are uncorrelated with each other.
+
+--
+
+All this sounds good in theory, but in practicality, how do you determine if two assets are negatively correlated (and/or uncorrelated) to each other ? Does this show up on stock/ETF screeners as some weird name I'm not familiar with ? 
+
+What asset classes should I look into if I want a ""portfolio with balanced correlations to reduce overall risk?""
+
+
+I've heard people suggest bonds, gold, commodities, real estate, international stocks or even crypto currencies, but how do I prove their level of correlation?  I'm assuming the industry already has a good metric for this and just don't know the term ?"
+Is USFR safe to use and how does it work?,Loagn1gd,0,https://www.reddit.com/r/investing/comments/1fd38xb/is_usfr_safe_to_use_and_how_does_it_work/,1725923057.0,I have a lot of cash sitting in my checking and want to move it to Robinhood to start making more money out of it safely. I tried looking for money markets but couldn’t find it on Robinhood. I saw USFR is a good alternative but how does it work because I notice it goes up and down every month.
+Wealth management company suggestions,atashi-wa,0,https://www.reddit.com/r/investing/comments/1fd2yim/wealth_management_company_suggestions/,1725922275.0,"I'm looking for a wealth management company that can ensure I get the best financial, tax, and estate returns. I recently had a meeting with Fidelity, but it felt like I was the one who had to come up with the right questions and solutions, instead of them offering proactive guidance. Does anyone have suggestions for a firm that provides more hands-on, comprehensive advice?"
+Question about Tax Deferred Retirement Account,Dazzling_Analyst_920,1,https://www.reddit.com/r/investing/comments/1fd2b6b/question_about_tax_deferred_retirement_account/,1725920492.0,"Hello guys!
+
+My mom is retiring soon from a county job position and she told me that her Empower (ex-Horizons Deferred Compensation Plan) is giving her 7 years after retirement to stay with them and after 7 years she needs to find somewhere to transfer the money.
+
+She says the benefits of the retirement account are extremely minimal and she gets very little returns through this account.
+
+So she wants to transfer the money out elsewhere.
+
+Her retirement agent mentioned to her about an annuity.
+
+I don’t know how stable an annuity is and so I was wondering if there was a way liquidate her retirement account and move it to a pre-tax traditional Roth account.
+
+If this sounds bad, can you guys give me other ideas of what she might be able to do?
+
+Thank you so so much in advanced!"
+Tbill Interest Question – how\when are they appropriated\budgeted ???,B00B00_,3,https://www.reddit.com/r/investing/comments/1fd23v4/tbill_interest_question_howwhen_are_they/,1725919944.0,"This may be a weird question, but I’m curious about interest and repayment on US Treasury Debt.
+
+It’s an entitlement and not a discretionary spend so no extra budget or authorization is needed as long as we don’t go over the allocated budget amount for the year. (Please correct me if I’m wrong here!!!)
+
+Which spending bill needs to be authorized for these payments? Is this approved during the debt ceiling discussion or sometime else?
+
+ 
+
+What bill\\budget\\authorization is needed to ensure the interest and repayment is paid in the future?"
+Best options for excess cash ,Boston_Jon_189,15,https://www.reddit.com/r/investing/comments/1fd0tj7/best_options_for_excess_cash/,1725916698.0,"I have slowly been accumulating cash savings and wondering what better options might be out there other than CDs. 
+
+What started as a 6month emergency fund has, over the last 5-7 years, become ~$300k. Right now 3/4 of it is parked in short duration CDs at 5% APY. 
+
+No debt except what’s left of a mortgage - $250k at 2.25%. 
+
+Actively funding 529 accounts for the kids. 
+
+Invest the max into traditional IRAs each year ($7k this year) and max out my 401k contributions. 
+
+I’m in my early 40s with two kids in grade school. 
+
+I don’t invest in crypto or individual equites. 
+
+"
+Should I switch to a fee vs. % based investment firm?,-McSlizzy-,0,https://www.reddit.com/r/investing/comments/1fd084v/should_i_switch_to_a_fee_vs_based_investment_firm/,1725915275.0,"I currently have \~$150k sitting with an investment firm that charges 1%. I realize this is a pittance to most firms. The returns aren't great and appear to be on autopilot / not actively managed. For this I pay $390/quarter, like clockwork as well. This account consists solely of old 401k's which I rolled over. I don't really have any huge life things to plan for minus retirement. Should I switch from % based to something else?
+
+EDIT: Yeah, so sounds like I’m getting kind of screwed. What avenue do I use to transfer the account to a self managed one without tax implications? Is it something I can do myself, or should I pay someone? I have Schwab and Fidelity for other accounts if it matters. Y’all rock 🤘"
+ESPP transition to ROTH IRA?,TravRado1024,0,https://www.reddit.com/r/investing/comments/1fcz8jt/espp_transition_to_roth_ira/,1725912866.0,"Hey All -
+
+I recently enrolled in my company's new ESPP program, in which I purchase each pay period (biweekly), and receive 15% off of the current stock price at that time of purchase. Is there a benefit to me rolling that over to my traditional IRA and then over to my Roth IRA biweekly? (I do the backdoor ROTH IRA process)
+
+Or is there a better way to capitalize on my earnings?
+
+New to this whole thing, so any advice is appreciated. Thanks
+
+Edit to add: I already max out my employer contribution to my 401k + some"
+ETF investing - market spread fees,HappyPints,0,https://www.reddit.com/r/investing/comments/1fcx9a9/etf_investing_market_spread_fees/,1725908183.0,"So I invest £40 every 2 weeks into SPY (I’m a small time, passive investor).
+
+I’ve noticed in my trading account that despite depositing £40, and placing a market order, sometimes the actual trade starts at around £38, some of my trades even started off as low as £37.50 - which means that the trade has to increase by 8% just to break even.
+
+I believe this is the market spread fee, does this seem pretty high? Or does this seem about right?
+
+I use eToro, which has a small currency conversion (£ &gt; $), but other than that, they don’t charge any transaction fee etc."
+US Bitcoin ETFs Face Record Outflows Amid Market Volatility,OkLiterature9978,45,https://www.reddit.com/r/investing/comments/1fcviht/us_bitcoin_etfs_face_record_outflows_amid_market/,1725903900.0,"US Bitcoin ETFs have seen nearly $1.2 billion in outflows over eight days ending September 6, 2024, marking their longest net outflow streak. This reflects broader investor caution due to global economic uncertainties and shifting market conditions.
+
+[https://thedeepdive.ca/us-bitcoin-etfs-face-record-outflows-amid-market-volatility/](https://thedeepdive.ca/us-bitcoin-etfs-face-record-outflows-amid-market-volatility/)"
+Investing for Kids and teaching them - recommended Apps and also situational advice,babbagack,0,https://www.reddit.com/r/investing/comments/1fcuzov/investing_for_kids_and_teaching_them_recommended/,1725902595.0,"Fortunately the kids are blessed with some birthday or holiday money from time to time.  And they would literally spend $50-100 on Roblox if they could.
+
+I want to teach them the habit of being charitable, spending on oneself, and investing.  The last one is something I didn't catch onto until much later in life.  
+
+I fortunately already have investment accounts for them in an ETF that gets invested into quarterly, not tons but it is fortunately something.
+
+I want them the ability to see their money grow, but I don't know if it is wise to show them their personal investment accounts right now that I have set up for them (they are younger kids), but instead later in life when they are near college or so.
+
+Should I just find some ""kid friendly"" app they can put on their tablet and put part of their gift money into over time, or should I just share those investment accounts with the kids now and have them add to the already existing bigger pool?
+
+The latter makes more over time of course for them, by a little, but maybe it is better to just have them have their own little accounts/apps?
+
+I don't know what app/s are good to use, appreciate any recommendation. I use fidelity for retirement and stuff, and have some other accounts I plan to get into fidelity as well.  Apparently they have some kids app but I have not looked into it yet"
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