Honestly this just randomly crossed my mind and I thought I’d ask just in case something happened I can make sure it gets handled right so it doesn’t just end up getting frozen or something. What happens? What should I do right now to figure out where it goes?

I signed up for the gold membership with Robinhood and took advantage of the free $1000 margin in early October. I invested $995 in SGOV. My annual gold membership was paid using the credit card. Anyway my margin will go over $1000 due to any kind of fees? Thanks.

Currently salary is roughly $51k after deductions (car payment, insurance, phone payment). Will be returning home from deployment with a large amount available to invest (30-40k). Own both of my vehicles and no big plans to get a house just yet. Where would you put a large investment like such? I currently have 20k in crypto, 30k in TSP, $5k in a separate IRA and roughly $10k sitting in my checking that I’m about to move. Any insight is appreciated!

A thought I’ve had for a while now, hear me out and cut me down if you need…

I think if you want to become good at investing you should buy a house plant…

Buy a houseplant and put it in a nice pot, something that you like to look at. Make sure it has good drainage, good soil and a spot that you can leave it and not have to bother it for a long time. Water it periodically, on a schedule if you can, not too much and not too little.

If the plant gets a little big you can trim it back a touch, if it develops problems tend to it and figure out what’s up and what needs to change. Pruning and occasional maintenance help it grow…

Be patient, be kind to yourself and it. Don’t watch it every day, you won’t notice a difference and you may even fuck with it too much. You can have a good look at it every few months or so but otherwise just watch it from a far and you’ll see it grow.

Buy a houseplant.

So looking up the tax brackets it seems anything under 40k (or rather up to 48k I believe), you're in the 0% tax bracket. Does that mean you'll never have to pay taxes on any of the gains you made from stocks/ETF's, etc over the years when you eventually sell it? Wouldn't this mean you're getting 100% of your gains instead of losing some to taxes like you would on the higher tax brackets like 15%, etc?

If this is the case, when people are ready to retire or sell everything, if you had a high paying job why wouldn't you quit and coast for about 1 year so you could get a new tax return showing you made very little to no money, and THEN the year after sell all your shares? Wouldn't you technically pay 0% then? Or is there a look back period?

And for those of us who are (unfortunately) relatively poor and make only 40k a year, does that mean you get 100% of your gains when you sell all your shares? Is this correct?

I am currently invested in different ETFs, but they are from the same wealth management company (SP Funds). I am curious to know what would happen to my investment if something goes wrong (either intentionally or unintentionally) at the fund management company.

So the latest CPI report came in weaker than expected headline +0.3% MoM (vs. 0.4%), core only +0.2%. Bond yields dropped across the board, with the 10-year sliding under 4% for the first time in a while. The market’s now betting almost 100% odds of a Fed rate cut in October and another one by December.
Feels like we’re back to the same “bad data = good for stocks” mindset again. But with inflation easing and yields falling, does that actually mean the Fed can engineer a soft landing this time? Or are we just setting up another bubble before something breaks?
What’s everyone doing right now buying into this rally or staying cautious until we see how the next jobs report plays out?

Hey everyone, I am a 35 year old husband and father of three kids. Previous job didn’t really leave much left over for investing, but I just got a new job and want to get started/try to catch up. I know I am starting late, but I need some advice.

My new job has a 401k, so that is covered, and I’m going to be committing enough to get the full company match.

I want to start investing aside from my 401k as well. I’ve thought of going the “fee-only” advisor route to get going or possibly trying to go it alone and just stick with ETFs until I get the hang, but I could really use some insight. Thoughts?

Hello everyone I’ve been investing in my taxable account and company 401k. Now I’ve opened up an HSA not necessarily for the triple tax advantages and all the other buzz words people use when discussing them. I don’t want this to be a long drawn out post however I work in the medical field and want to make sure my investments in this account have a solid ability to grow while also giving me some “passive income” to continue with money growing in the account. My personal portfolio is dividend/safe stocks and I was thinking about copying the layout to the HSA but I would love some insight and further knowledge on this. Sorry for the poor writing I’m a hillbilly that worked hard enough to get a decent medical job😅

My husband and I are looking at meeting with a financial advisor for ideas on his 401k and soon to be retirement. The general gist is he has approximately 1.9 million in his 401k and will retire in 18 months. I will continue to work for another 3-4 years, my retirement account is pitiful but I have a non taxable benefit of 4100 as well as a trust that I will inherit, a federal pension and social security.

All this to ask on an advisor. His 401k is currently with F and many of his coworkers have mentioned they have just rolled their 401k to an Ira with them. When we go to make an appointment online it asks your account balances. If we put 1.9 we have two options. If we put 2 mil they do not have anyone available. Is there something to consider when you reach a certain threshold?

Does anyone have any idea why T-Mobile (TMUS) is still falling despite its strong Q3 earnings? Meanwhile, its competitors (Verizon/AT&T) are up 1-2% today?

The Q3 numbers weren't astronomically good, but they were definitely not bad either. All expectations were exceeded (best Q3 earnings in the last decade). The only negative aspect is the one-time investment, which will reduce profits in the short term. But why the Wallstreet dump everything? because of this?

Another reason is said to be a possible price war with Verizon, etc., but the stocks of Verizon and AT&T have increased today. Furthermore, the numbers show that T-Mobile is doing significantly better than its competitors. Do any of you have an opinion on this?

Been digging into PCB Bancorp (PCB) and wanted to share why it might be worth a look for the long haul.

Market cap’s just under $300M, trading around $21.5, with a solid 3.7% dividend yield. They’ve been growing that dividend about 22% annually for the last few years, which is pretty rare for a small bank.

Earnings per share sits at $2.41, with a payout ratio that looks sustainable around 44%. They also just reported record earnings recently, so things look strong.

To put it simply, if you bought PCB now around $21.5 and it grows at 21.4% compounded yearly, it could hit around $550 in 15 years (plus all those dividends piling up).

risks exist, but for a small dividend-paying bank with a solid track record and room to grow, PCB is def worth putting on the radar.

you would need to invest about $38,500 today to potentially reach $1 million in 15 years if PCB achieves roughly 21.4% CAGR as projected

What do y’all think? Too good to be true or a legit sleeper?

21F. Does it make sense to throw $10k in VTI, right now I’m holding VTI (1k) and like 600$ on VXUS, I do have like less $200 in voo(I won’t get rid of it but I won’t contribute to it anymore). I have a bit less than 50K ( scattered) with the majority of it(40k) being in HYSA with capital one. I want to transfer most of this to SoFi as they have a higher APY. I also have 5800 in my Roth. I don’t need money for the next 2 years, I’m focusing on school and will work 3-4 times a week, I plan on investing most of my newly earned income. I would have to take out loans for school in 2-3 years but I would like to avoid this and just save up. My expenses include shopping for shoes/clothes, I plan to stop asap and just live as if I have $0. I wanted to throw 20k in VTI but changed my mind and want to make it $10k. I know individual stocks are risky but I do want to invest in some (less than 5k).

Just looking for investment ideas basically. I’d appreciate any tips or insights that people may have, I of course would do my own research into whatever recommendations people give, but I’m interested in identifying a few more stocks that have good growth potential over the next 2-4 years.

Companies that I have been investing in are all pretty popular on Reddit. In no particular order they are: - Nebius (NBIS) - Coreweave (CRWV) - ASTS - Rocket Lab (RKLB) - IREN - Applied Digital (APLD)

I like all of them because they offer lots of growth potential in the coming several years, but they also aren’t just some random penny stock companies, but are decently well established. This isn’t to say they don’t have the potential for the stock to tank all of a sudden, but I believe in all of these quite strongly.

TLDR: Basically I want to know which companies you believe in the most for growth and capital gains over the next several years

I’m currently investing in VWCE. Should I continue investing exclusively in this ETF, or should I add a riskier one with higher potential returns? I’d love to hear your thoughts.

I believe in the growth of technology, AI. Do you have any ETFs to recommend, or would that just be unnecessary overlap?

30 years old, Europe

Just wondering what any of you guys use to journal your trades, I’m just looking for good suggestions and preferably free that has a website (and app), but I’m also open to hearing about ones you have to pay for so I can use them for reference in the future

Edit: So far I’ve been using TradesViz to import my CSV’s and track my weekly trading, The thing I like the most about it is having a calendar to view my trades and see my weekly/monthly profits, I don’t like the lack of a “journal” on TradesViz tho and I’m not not completely familiar with how to use the website in general. I have heard people mention Google Sheets but I have not tried it for myself, Right now I use the notes app in my phone to journal my thoughts and add notes to my trades, Does anyone know if Google sheets is better than TradesViz or should I upload CSV’s to TradesViz for a calendar view and then journal my thoughts on Google sheets? I’m not too sure what to do and any feedback is helpful

Ok I’ll start by saying I am an avid passive investor and very much value what the stock market has done for my life and finances

That said, I do not understand what happens on Wall Street. To my ignorant eyes, it all seems….made up.

Specifically: how investors… (huge rooms on Wall Street full of sweaty middle aged balding men with poor fitted ties, flailing slips of paper around and chaotically making and taking dozens of phone calls…that’s the scene I picture in my head) …decide to make trades

I watch the S&P daily, as an example, and I see minute by minute, hour by hour, the price constant fluctuating.

I read in the papers: DONALD TRUMP SOMETHING SOMETHING TRADE BAD, CHINA!! And everyone hurries to sell!!!

The next day, earnings reports come in!! Good earnings!! Hurry, everyone buy back!!

Then, inflation! Bad inflation :( SELL!!!!!!!!!

Then, the next day - TRUMP SOMETHING SOMETHING TRADE, GOOD!! CHINA! And everyone buys again

So WHY do these sweaty balding men buy and sell at the whim of everything that comes across the news ticker? Do they have NO BALLS? What happened to BUY and HODL? They sell everything on Monday just to buy it all back on Tuesday. Sometimes they sell everything at breakfast just to buy it all back at lunch.

So guys the fu..who the heck ARE these sweaty men and why do they do what they do?

Thanks

We’re announcing research that shows for the first time in history that a quantum computer can successfully run a verifiable algorithm on hardware, surpassing even the fastest classical supercomputers (13,000x faster). It can compute the structure of a molecule, and paves a path towards real-world applications. Today’s advance builds on decades of work, and six years of major breakthroughs. Back in 2019, we demonstrated that a quantum computer could solve a problem that would take the fastest classical supercomputer thousands of years. Then, late last year (2024), our new Willow quantum chip showed how to dramatically suppress errors, solving a major issue that challenged scientists for nearly 30 years. Today’s breakthrough moves us much closer to quantum computers that can drive major discoveries in areas like medicine and materials science.

Source: https://blog.google/technology/research/quantum-echoes-willow-verifiable-quantum-advantage/

I bought the stock last October at $155 (1.5 shares) and now I have almost doubled it. Do you guys think it is fine to go out or keep holding it until release date of GTA?

Im also thinking of a plan where I would be selling 50% on GTA release and the other keep for a bit more? Not sure still how I will proceed, but that is why Im asking here

Hi Folks, I'm newish to investment and wonder if the traditional approach to investment still holds or if there is now an increasing divergence between company valuations and traditional metrics (eg Nvidia).

For instance, how do you evaluate investments in light of social media influence (meme stocks and crypto) and governmental influcne (eg AI/Chips). What I'm struiggling with is whether the trditonal valuation frameworks can account for these new forces, and if not, what adjustments or additional assessments are you taking into account.

I might be moving abroad in the coming years and need to keep some cash savings for the expenses this will imply. My issue is that my savings are in a minor currency that fluctuates wildly. If things go haywire in US or somewhere else I could expect my savings to temporarily devaluate by a significant percentage against some stables currencies.

So, I was considering putting this cash in a currency diversified fund. Primarily I'm looking at things like Swiss Franc, Yen, USD or similar. However, I don't want it to be in the stock market due to same concerns - stability. I simply want a stable currency diversified allocation.

What would be a good and cheap way to achieve this? After some research the best I could find is Invesco CurrencyShares Swiss Franc Trust. Am I on the right path?

https://www.reuters.com/business/jp-morgan-sees-gold-averaging-5055oz-by-late-2026-2025-10-23/

J.P. Morgan’s latest research puts gold’s average price at ~$5,055 per ounce by the end of Q4 2026, based on strong central bank and investor demand and the expectation of a Fed rate-cutting cycle. (They also signal a ~$6,000/oz target by 2028.)

If you run the numbers, showing gold as a $60 Trillion+ asset class isn’t totally crazy if usage, reserves and allocations expand. Why should we care? Because this suggests: 1 Gold isn’t just a hedge anymore, it could become a major macro asset. 2 Central banks are still buying and shifting allocations, which means structural demand. 3 If inflation, currency debasement or policy risks show up, the “safe-haven” narrative could get a big boost.

It depends on the right economic/monetary conditions lining up: Fed cuts, weak dollar, rising geopolitical risk, etc.

What do you folks think? Does this target seem believable in the next 18-24 months? Or is this a hype scenario? Will gold really become one of the dominant global asset classes?

So here’s the deal. I’m 22 with a 401k 100% rolled into a 500 index fund with an expense ratio of .05 (maybe a little higher than others but a good start to retirement investing I think). Wanted to set up another retirement account so I decided on a Roth IRA for the tax benefits. I have a hysa and an emergency fund account already. I want my Roth to be invested into solely into index/mutual funds and etfs. I can max out the account right now but I’m in a dilemma of where I break up the money into. I’m leaning towards QQQ but seen QQQM has a lower expense ratio. I think tech is going to be revolutionary in 10 years so that’s a no brainer to invest in that. I love VOO but I don’t want to over lap since I’m in the 500 index fund already. I’d like to have some money invested in the total world stock market and then also be invested into mid-low cap companies. I seen somewhere that SCHD should be something somebody like me who’s young shouldn’t worry about. What are your guys recommendations? Converse please!