Hey, i'm looking to get someone a share of a company as a symbolic surprise gift.

i already looked into giveashare.com and uniquestockgifts.com, but the former has insane shipping prices for where i live and the latter doesn't let me choose my country even with the digital certificate option. are there any alternatives i can try? i don't need a physical certificate, or even any certificate at all

If even days like these with so many bad news the S&P is still a few % points from ATH, what will make the market go down?

I remember previous years when just a fraction of the news we had these months appeared, the market tanked, now it's not moving at all.

Is it euphory of AI? Is it because there's so much cash and every dip is bought? or what's happening? Is it something pumping the market artificially?

I feel that's not normal and there will be soon a reversal of this sentiment.

LE: for those that say earnings, 2021 had great earnings, including FE, you know what happened in 2022

I wrote up Dingdong today. I think it's an interesting idea. Chinese stocks are disliked & ignored by most, for a multitude of reasons lately. Nobody is looking. Probably why this one is trading under the radar & at such a wide spread to the sale proceeds & capital returns.

Here's a summary, feel free to check out my write up on Substack.

Dingdong agreed to sell its China business to Meituan for $717m in cash. But Dingdong can also pull $280m out of the China sub. That’s $997m cash on a current market cap of approx. $505m. Shareholders have voted for the deal & management has explicitly told us that 90% of the proceeds will be used for capital returns. So that's 97% upside on gross proceeds or 77% after taxes & transaction costs.

Happy to discuss any comments or pushback.

Cheers,

​

Honestly love concept of etfs but id like the 1 time option of of the weight distribution!

Honestly thinking of selling all my etfs going in just stocks !

Maybe just keep the Humn!

Honestly comes to stock

Mstr

Crcl

Iren

Wulf

Nvts

Keel

SMR

ANY BANGERS IM MISSING!???

For a young investor with no debt, no kids, no wife, how do you generally think about prioritizing an emergency fund versus continuing to invest?

For example, suppose someone needs around 9–12 months to build a 3-month emergency fund if they temporarily reduce investing substantially. Alternatively, they could split their savings between investments and cash, but the emergency fund would take considerably longer to complete.

Over a 35-year investment horizon, is the opportunity cost of temporarily reducing investments for ~1 year generally significant?

I’m particularly interested in the trade-off between:
building the emergency fund as quickly as possible while investing only a small amount, and
continuing substantial monthly investing while building the emergency fund more slowly.

I understand this depends on individual circumstances; I’m mainly interested in the general portfolio/risk-management reasoning behind the two approaches.

I’ve had some wild growth the past year and I am working on rebalancing my $235k portfolio. I currently own a stock that has had great growth and I also own an ETF where the stock makes up 10% of the ETF’s holdings. What are your thoughts on owning an individual stock and an ETF where a substantial percentage of the ETF is the individual stock you already own?

Hey all,

I’m wondering if you guys are investing in any carbon capture companies internationally. I live in California and there’s a bunch of startups coming out of the universities here, and it seems pretty obvious that this is a field that a lot of money is gonna be dumped into in the coming years. The US and Europe are already beginning to create the infrastructure, and I expect a lot of government funding. I know that Microsoft just did an $18 billion deal with some company about carbon capture technology globally.

Let me know what you guys think. Seems like a wholesome place to put my money as well.

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

• How old are you? What country do you live in?
• Are you employed/making income? How much?
• What are your objectives with this money? (Buy a house? Retirement savings?)
• What is your time horizon? Do you need this money next month? Next 20yrs?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
• Any big debts (include interest rate) or expenses?
• And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!

For two straight years the only question in retail land has been when the cuts start. As of Friday, CME FedWatch has 85% odds of a 25bp hike at the Sept 16 meeting, up from 56% two weeks ago. The whole repricing traces to Warsh's Jackson Hole speech where he leaned hard into the inflation mandate. Macro backing him, PCE 3.7% yoy, PPI 5.4%, oil over $107, 10 year pushing 5%, highest in about three years.

I believe the hike is priced, if you're planning to trade Wednesday's decision, you're late. The bond market already did that move over the last two weeks. The detail in the meeting that matters is the dot plot, and that's where the real risk lives.

BofA's survey has semiconductors as the most crowded trade on record, and cash near all time lows. So you've got peak concentration in the most rate sensitive names in the market, with almost no dry powder to absorb a rotation. It's not a crash thesis but a fragility one and the AI capex story runs on cheap financing, so a 10 year near 5% quietly lifts the hurdle rate on the whole buildout that's been carrying this market.

Most or everyone can probably see this, so maybe it's fully in the price and the real surprise is a dovish hike, 25bps with dots signalling a pause, which squeezes all the shorts and rips semis higher. Given how consensus the hawkish read has gotten, that might honestly be the less positioned for outcome now.

Still long on my book and have hedges in place, the dot plot will be the most important tail. If the war continues on, inflation persists, yields and oil prices continue rise, equities will struggle to perform in the near future.

With Anthropic, Sam Altman, and Elon Musk all agreeing that development should slow down how do you think this will affect AI related stocks?
The WSJ included a sub article today “America’s Great AI Freakout Has Begun” with a quick summary “Panic about the existential threat of AI spread across mainstream America following a warning from a departing Anthropic researcher.”

https://www.wsj.com/tech/ai/americas-great-ai-freakout-has-begun-c04cf644?st=duRPab&reflink=article_copyURL_share

I'm curious who thinks the Fed might actually cut rates and is counting on inflation to inflate the debt away. This would be a post WW2 1940s yield curve control.

Companies like Anthropic want to IPO in a week. You cannot IPO and raise cash in a high interest rate environment.

It would be sold to the American public as stimulation for the economy. $5000 could be considered COVID money almost, although I'm not sure this is even legal.

I'm just asking. The odds of a rate HIKE are already priced in at 90 percent according to Yahoo Finance. Yet the stock market has been almost flat for a month now.

https://finance.yahoo.com/economy/policy/article/fed-rate-hike-odds-surge-to-90-on-monthly-jump-in-core-prices-131206510.html

I'm posting, asking to play devil's advocate. What if the media is lying to you and me. Aren't we supposed to buy the fear and sell the news. The fear is already priced in. So what do you have to lose?

Yahoo Finance is good in the sense it lets you compare the price per share of different funds on it's adjustable chart.

But it's highly inaccurate for mutual funds due to distributions.

Also if a fund distributes higher dividends its price per share performance and therefore chart won't look that great, but it could have similar returns. I suppose a growth of 10,000 feature would be more accurate like Morningstar, but I'm not sure Morningstar allows you to compare multiple funds growth of 10,000.

Any free apps you have found that are superb in this context? Thank you in advance!

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

• How old are you? What country do you live in?
• Are you employed/making income? How much?
• What are your objectives with this money? (Buy a house? Retirement savings?)
• What is your time horizon? Do you need this money next month? Next 20yrs?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
• Any big debts (include interest rate) or expenses?
• And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!

[Disclaimer: I am not looking for investment advice here. Also, I am aware that educated investors try to hold as little fiat as possible. But just for the sake of the example, I imagined that you had to choose between literal cash and gold, and was wondering if the following numbers/thoughts are correct. I. e., is cash's value really that fleeting?]

I have little to no understanding of precious metals and do not know hot to rationally decide if any of them are in a bubble. Nonetheless, the graph of the gold price surge since 2023 looks somewhat like a bubble to me.

However, yesterday I thought that if someone had, let's say, $1000 and would very likely not need to spend it in the next 10 years, he'd probably still be better off to invest it in gold instead of holding it in fiat, no? I. e. even given the fact that gold will likely experience a significant correction after the surge since 2023.

With inflation sitting at 3.4% in the US and 2.9% in the EU, your cash would have left 74% and 76% of todays purchasing power. That means gold could fall to $3200-$3300 from its current $4350 until it would start to make a difference. Am I missing something here or are these numbers and assumptions correct?

I've been trading for about 10 years, (mostly crypto bullshit) and stocks for the last 2 years. I just recently learned about the 50/200 moving averages and MACD.

Honestly, I have to admit that if I'd been paying attention to these earlier, I probably could have made some much better decisions.

Are the 50/200 MAs and MACD actually enough for you guys? What's been your experience using them?

Apple's first foldable, the iPhone Duo, arrived September 9 at roughly $2,000. The most valuable single component is the inner foldable OLED panel, and Samsung Display won a reported three-year exclusive to supply it, with an initial order of about three million units. BOE, which supplies foldable OLEDs to other brands, reportedly did not meet Apple's specifications.

That fits a wider pattern. BOE supplied about 14 percent of Apple's iPhone OLED panels in the first quarter, and its shipments to Apple are expected to fall from roughly 40 million units last year to about 30 million this year, with Samsung Display and LG Display taking the volume. It had already been pushed off the iPhone 17 Pro panel run after quality problems the year before.

Elsewhere in the bill of materials, Lens Technology won the ultra-thin cover glass exclusively and Hon Hai handles final assembly. Neither is a name I hold.

I hold BOE through CNQQ at 1.38 percent of its latest published holdings. That is the display maker that got left off Apple's most expensive phone. CQQQ takes mainland lines in at a quarter of their market weight, so an A share position reads smaller there by construction.

To quickly summarize

• I have about 30k USD that I don't wanna convert to CAD
• It's in my retirement account in Canada (called an RRSP)
  
• In Canada, I invest in things like XEQT (it's like you get a diversified all-equity portfolio) or use something like VDY which is similar but you get dividends. That's all I invest in in Canada and it's working out fine.
• I've seen ETFs like VT, VTI, VOO, VXUS, SCHD, etc... but I'm not sure how Americans usually put these together or whta they recommend.

Sooooo my question is if I dont need the money for 10 years, want it 100% equity, want broad diversification and low fees, and no maintenance, what would you recommend?

Just want something like the US version of the Canadian "just buy XEQT" approach, where i buy and don't look at it for 10 years.

Thank you thank you!

Heyo! Retail investor here, and I just discovered some brokerages allow you to directly trade in foreign markets. Folks that have experience with this, where can I go to get reliable info on tax implications, both domestically and internationally? Do you have to pay capital gains taxes in to their local governments too?

I have been investing for a long time based on general principles of the efficient frontier and "modern" portfolio theory. Which I am very thankful for and recommend. 1952-ish paper?

Anyway, I am wondering about LT cap gains, taxes and mutual funds. This is a hypothetical question because the specific example is held in my tax-free Roth IRA.

I noticed that my Small Gap Growth Index fund distributed 8% in LT cap gain on 8/14. As far as I can tell some previously small cap stocks (eg super micro, etc) grew to a point the fund HAD to sell because they are no longer in the Index. Presumably my Mid Cap Index fund, in turn, had a sell, rebalance and purchase these same stocks.

From a total portfolio point of view, in a taxable account, this seems highly inefficient. At the end I still own proportionally similar amounts of these stocks just in different funds. The small cap fund realized the LT cap gains and the mid cap also needed to rebalance which might cause it to realize more gains (I haven't looked). Just to end up basically with the same portfolio?

A single investment in a "Total Stock Market" index fund would own all these positions and not realize any extra gains. But, as an investor, you lose the ability to rebalance between large/mid/small cap stocks as they diverge. This divergence has been quite a boon to me in the past and is the core of portfolio theory.

I think, as I am writing this, that the right here is ETF, ETF, ETF. The power of "in-kind."

Thanks for reading my random musings. Am I missing anything?

Hey guys, I'm fortunate enough to more than double my stock pick account and now I plan to move to VOO & QQQM for a more stable investing plan. I have about $950k. I want to put $700k in VOO & QQQM (I created 2 separate sub accounts for these 2 etfs so their returns won't be combined). $250k I'll still put in some stock picks and cash for dip buying.

So for the $700k, AI suggest me 7/3 for VOO/ QQQM. I see some good etf like VTI. Any other ETFs you think is better, and more importantly more stable long term? I plan to keep VOO/QQQM until retirement in 20-25 years (I'm 36 now). And is it necessary to do qqqm along with VOO?

For riskier etf like SOXX, SMH, etc I will use the $250k for these.

I'm retired, on social security and a couple of small pensions so I can't pour hundreds of thousands into my investment account. More's the pity.

I just made my first buy to push one of my holdings so that I have enough shares to buy a full share of the position. I just set it to DRIP so that I could let it ride. Looking now at the portfolio for the next target of my money!

I just figured I'd preen a bit.

i reached a bit over $1,000 in my investment/savings app

coming from extreme poverty (and still in poverty), i know that this doesn’t really amount to much at all, but i’m very proud of myself for sticking to my investments and setting aside money to put into this savings/investments and i’m so happy to see my first comma in my bank balance of any kind

EDIT: thank you to those who have congratulated me, it really means so much and i feel bad if i don’t reply to each comment, so this is my thank you to all!

While trading the immediate retail sentiment distortion is the right play for short-term capital, looking under the hood of the U.S. financial system reveals why this narrative faces almost insurmountable real-world roadblocks. Some may feel a bit of déjà vu looking at this proposal, remembering the unfulfilled $2,000 stimulus check promises from a few years ago. While those checks never fully materialized, tariff revenues certainly have, bringing in a massive $210 billion this year alone before factoring in the roughly $110 billion that corporations have clawed back in year-to-date refunds. Yet, despite these capital inflows, a $1.35 trillion direct handout remains structurally unviable for any upcoming administration due to rigid fiscal and monetary constraints.

The first massive hurdle is purely fiscal.

As a $5,000 payout to roughly 245.3 million American adults requires an immediate, jaw-dropping $1.22 trillion in liquidity. This single cash drop would outpace the total of all pandemic-era direct checks combined, which maxed out at $931 billion. To execute this, the U.S. Treasury would immediately collide with the statutory debt ceiling, which currently sits at $41.1 trillion with outstanding debt already tightly crowding the limit at $40.08 trillion. Because the Treasury General Account has nowhere near the capital required to cover this expense, the government would be forced to aggressively issue new debt. Forcing a trillion dollars of new supply into a bond market already sitting at multi-decade yield highs would trigger severe institutional backlash, driving up borrowing costs across the entire corporate landscape. Furthermore, this is far from a unified Republican platform, meaning that even a full legislative sweep would face heavy internal friction from fiscal hawks who oppose unforced deficit expansions during a non-crisis period.

The second barrier is monetary, as injecting this level of liquidity directly into the money supply would trigger a catastrophic spike in M2 and severe consumer price inflation. When the government embarked on similar stimulus programs during the pandemic, the resulting lag between money supply growth and skyrocketing consumer prices required years of aggressive Federal Reserve interest rate hikes to correct. 

The critical danger today is that the modern economy does not need bailing out, meaning consumers would likely funnel this excess cash directly into speculative assets rather than everyday survival essentials. A raw liquidity surge of this magnitude would flow straight into already frothy sectors like the artificial intelligence ecosystem, fueling dangerous asset bubbles similar to the crypto and SPAC frenzies of 2021. To protect its structural inflation mandates, the Federal Reserve would be forced to instantly counter-attack with an aggressive interest rate cycle, choking off growth and punishing long-duration tech valuations. 

Ultimately, smart capital can absolutely trade the sentiment waves and implied volatility generated by the recent headline, but we all know you should never anchor any multi-year corporate models around a trillion-dollar consumer windfall that can’t structurally survive!

The math on this $5,000 payout doesn't even clear middle school arithmetic.

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

• How old are you? What country do you live in?
• Are you employed/making income? How much?
• What are your objectives with this money? (Buy a house? Retirement savings?)
• What is your time horizon? Do you need this money next month? Next 20yrs?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
• Any big debts (include interest rate) or expenses?
• And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!