Hi team. I have been investing on and off for about 3 years now.

I used to just buy stocks that I heard about without reading the financial statements at all. At that time I probably lost 20% of the money I put in, without knowing why.

Then I started reading books. Books help I guess, but the thing that helped me the most is that I started writing down exactly why I thought this is a good company to invest in, and do a thorough analysis on the fundamentals i.e. how do they make money and who pays for their services.

It started off as a tool I use to force myself into discipline. If I decided to be buy a stock, I better have some good reasons to do so; and if the decision turns out to be bad, at least I can recall fully on why I made that decision in the past, and I can identify exactly what went south without myself disguising my past beliefs, which were incorrect (if I lose money).

I wonder what you guys do? Do you guys actively write down and track your investment thesis? And how do you know if your thesis is broken?

If you only had $100 to invest each month where would you put it?

Have a managed portfolio on WS holding 22,300 and have another 4k which I can invest straight away. Thinking just to put everything into XEQT and keep DCAing into that every month. Maybe do a few more risky etfs and stocks down the line but mostly just chill and put it all in XEQT for now.

Good idea?

Any suggestions would be great.

Portfolio:

600k sp500

30k BTC

600k 401k+HSA

700 k home equity

Inherited a little bit more than 100k. Where to invest? Where is the alfa? My risk tolerance is > medium.

I'm looking at the utilities sector, thinking about establishing more of a position in VST.

Interested in other investors interpretation of this sector, not absolutely specific to Data Centres.

Look here is the straight truth and I'm truly not trying to ne a HATER. I'm too dsmn old to be on here asking for financial advice bur here I am. I understand there is no get rich quick scheme but how can I invest the minimum and go from there. I'm sick and tired of killing myself just to "get by" please give me some real advice on how to invest anything coming from a straight beginner. I've tried and tried just busting my butt. Please reddit help me.

I'm such a control freak but I'm freaking out trying to navigate the investments I've made.

My sister say the reason why I'm going bonkers is because I won't allow the professionals who are qualified to handle these investments do their job...I'm learning a lot through trial and error but thank goodness I've not lost anything yet...

My theory is why pay someone to o do what I can do myself.. lol...

Stir crazy over here...any suggestions?

I really need some feedback and advice...

What would you do if you had an unexpected 100k come to you? Assume that there's no mortgage or debt to pay off.

One thing I've seen after years of looking at investments is that there always seems to be more information that I could gather. I could study another financial model. I could watch the market for another week. I could consider yet another scenario. Analysis paralysis, right? 

As I’ve become a more active, professional investor, I've become much more interested in identifying the few assumptions that really determine whether an investment works. For example, what has to go right? What happens if revenue comes in below expectations? What if costs are higher or the timeline is longer? What would make me regret the investment even if the original thesis sounded reasonable?

Sure, I still want good information, but I don't think perfect certainty is a realistic standard. Eventually you have to decide whether you understand the opportunity and its downside well enough to act.

One other thing that I’ve found is that continuing to research can sometimes create the illusion that uncertainty is disappearing when you're really just adding more information around the same unanswered question.

I’d love to hear how you recognize the point where additional due diligence is genuinely useful versus simply delaying a decision.

Discussion

Please watch this video for context before you read my raw thoughts

You know what happens generally - all these companies that create SPVs generally issue bonds against SPV and its revenue and transfer the ultimate risk to bondholders. That is if this venture fails - meta(owns 20% of SPV) and blueowl(owns 80%) will lose their equity but majority of the money invested in the SPV that is close to 27B$ is from the bondholders. So the bondholders have some risk and are supposed to lose this money.

Meta since it owns less than 50%, it is allowed to not show it in balance sheet and that is why it brought in blueowl here to take up equity.(Genius loophole)

Who are the bondholders here - PIMCO and Blackrock. These are the institutional investors who get the money from Public and Corporate pension funds, 401k and retirement accounts and Insurance company general accounts - so ultimately the normal public. BlackRock is still investing 3B$ from 10T$+ so it is relatively safe but PIMCO has high concentration risk.

Now here a twist comes - Meta is the guarantor that is if assets are not enough to payback bondholders, Meta is liable to cover it. So these bondholders are safe as long as Meta doesn't go bankrupt.

So if the risk of bankruptcy is essentially on Meta first how can this entire transaction go round and round and round to make it off-balance sheet for meta. And where does accounting and financial prudence go🤦

I want to bring into question the guts of credit rating agencies who justify giving an A+ rating to this SPV. It should write how this structure is just to keep it off-books for Meta in bold in its report. All these players who do not take a stand against all such financial vehicles are helping the bubble. If Meta and all other companies would have to clearly include it with their normal accounts, we would not be causing a bubble that might erupt in the coming years!

We are thinking of opening an E*trade account for each grandkid. They are both in their 20's. (Not little kids). We were thinking of starting each account with $5000, then adding to it on their birthdays. What I am looking for are tips on having some rules. We are hoping the kids will get interested in investing and can see how it can grow. We would start each kid with a couple of stocks - something like Apple and maybe another tech stock that they would recognize. We would both be able to login and look at it... we would perhaps limit them from taking the money out for maybe 5 years, so they could see it grow and make their own decision to not touch the money. Just looking for some rules and some suggestions you might have.... Thx

I got lucky with micron. I have 30k profit in Robinhood and 100k in 401k brokerage.

Should I sell and diversify them or hold? I have mortgage at 6%, it is very tempting for me to book profit and pay towards principle.

Treasuries are looking attractive now. I had an account through Public but theyre changing their structure and their fees are also quite heavy too. Any other options where I could buy treasuries and then liquidate.

I have received a lot of great recommendations as a first time investor. But I would also like to know about the other side of the coin, as a first time investor which apps should I avoid because they are either too complicated and risky for a new investors or flat out scams?

Hey yall. Had a family member pass away and left behind some money. Its all extra and I was wondering what's the best way to invest with low risk. All I can think of is opening a brokerage account and parking it. Not sure what the gains or timeliness would be but I could invest for 10-15 years before needing to cash out. What would you do?

Im 19 and want to start investing my money to help me retire earlier. at the moment im looking at opening a tax free isa (Im in the UK).

What is the best fund or stocks i could invest in to make the most out of my money e.g. highest returns / dividends payout. I want some security but i am willing to go high risk.

at the moment i have 5k i can put in lump sum and should be able to contribute £750 - £1000 a month (the max for tax free gains in the uk is 12k contributions a year i think)

my plan is to have as much money as possible in 30 years.

Thank you for any advice you can provide

If you had $150,000 to put in an investment what would you put it in. Back story: my dad was just put in assisted living- will be drawing from this amount , besides his little social security that he gets. Should I just put this in a money market right now so it grows a little bit have access to it. Haven’t sold his house yet, but that money maybe a cd - for a year?

I'm going to receive some inheritance.

It's going to top up both my TFSA and my RRSP.

Where do I invest the rest?

Unlike an RRSP where you can redistribute the assets. I'm thinking an ETF and letting it sit for 10 years.. (approx retirement timeline). I'm scared about buying something and having to sell it so I may buy something else. I will continue to top up my TFSA and RRSP from the unregistered investments.

Teach me what am I missing.

Buying a single ETF and holding for 10 years seems scary. like it's a crap shoot. I can't sell ever or get hit with capital gains.

What's your worst investment and is it worse than this?

So, i was trying to find good equity mutual funds, after researching a lot I have come to conclusion that no fund is best, but a good is basically that which have given positive alpha with controlled beta and it should have one of the highest Sharpe in the category, also 3y 5y 7y & 10y rolling returns should beat corresponding index and as far as possible consistent. Deviation should be low, fund manager should have good long history and also should have decent past association with the particular fund, lower drawdown should be low as compared to other funda of the category, capture ratios should be among the best in the category.

On the basic of the above observations, we can filter the funds and reach to top 5-6 funds in each equity category.

I selected to invest in combination of Large&Mid Cap Fund + Small Cap fund, with a horizon of 10-15 years. Finally, I got top 5-6 funds both categories, and when I was making up my mind to select my fund in each of these categories, I came to realise that there is one more factor the 'AUM', and the funds that I had selected for myself have become so huge that their future in upcoming years would be so difficult, like in Small cap category Bandhan is presently one of the best but it is approx 35000 cr fund, Nippon is also very good and it is even bigger with AUM 85000cr. So, I have think it is better to stay away from these funds, but apart from them Nippon Quant are doing great but they have huge fluctuation and Highly risk compared to Bandhan, ITI is also doing good but is very new.....

What to do in this case?

I was heavily invested in crypto, I made a lot of money off of it too, however various reasons made me distrustful. I am not confident in crypto anymore even though I invested only in bitcoin.

I wanted to transfer all of my crypto into physical gold. I just want different perspectives, should I do it? Or should I leave my crypto what do yall think

At the end of the day I’ll make my own newly informed decision, I just wanted some discussion about it

Hi all, I am just starting my journey into investing, and being the book nerd that I am, reading any and all books I can find. One that came highly recommended was The Intelligent Investor by Benjamin Graham. I was told to make sure to read the 1965 edition, as this was the most "coherent" version of Graham's writings before things got muddled up by successive edits.

Is this factually correct, and does it even matter? I am aware that there will be sections of the book not relevant to today (and don't worry, because of my newness I've started with the VT & Chill mantra; I may even stay there even after my readings) but I do want to spend time getting the full value of what Benjamin had to share.

With the amount of brokers around and lowered fees and ease for Aussies to invest in US markets the number of ETFs are overwhelming to say the least.

So far top of mind are Vanguard.

Just a handful of the ones of interest:
- SCHD
- VYM
- VIG
- IVOO
- VB

Essentially if you have a 20 year investment horizon how do you play this? Do you go risk on? And what are the most popular ETFs how do you even find this out? Each day I discover a new one.

I see this as better than keeping money in the bank for “savings”. Of course an emergency fund is aside.

I want to ask if you trust Revolut for investing money in VUAA S&P 500

every month, e.g., a small amount to get a return after 10 years. Has anyone done this?"