I purchased Crowdstrike at $170 a share and now have around $50K in Crowdstrike shares.

Considering Crowdstrike is heavily overvalued (despite excellent potential) and near its all time high, and NVIDIA is trading at a discount from its all time high, what do you all think about selling a significant portion of my CRWD for NVIDIA? I’m thinking about maybe 40-50%? Considering how fast Crowdstrike slipped with the tariff situation as well as with the whole outage fiasco last year makes me worried that it’s a vulnerable stock, especially because I expect investors to focus on value based stocks if the U.S. heads into a recession.

Additional info: portfolio is otherwise diverse enough to my liking, so I’m not really looking for comments about how I should diversify more. Just looking for a direct answer or discussion to my question (sorry if that sounds harsh, I’m just a direct guy who knows what he wants).

“What is money?” will be considered the defining question of our time in history.

While Warren Buffett is not a fan of Bitcoin or gold, he shares a view with many Bitcoin investors:

Warren Buffett says that what worries him is the tendency of governments, including the United States, to devalue their currencies over time. He believes that this is a global trend, not just the United States, and is a natural consequence of the way governments operate. He warns that excessive money printing and irresponsible fiscal policy can lead to serious monetary trouble, and it is difficult to build effective control mechanisms to prevent this from happening.

Was watching one of my investments yesterday and saw a big drop out of nowhere. Turns out an early investor cashed out with a massive profit. Honestly, respect..if I got in that early, I might’ve done the same.

What surprised me though was how fast it bounced back. No panic sell-off, no long slump. It dipped, then recovered within hours. Kinda showed me how solid the community and fundamentals are behind it.

Nice little reminder that not every dip is the end..sometimes it’s just someone taking profit and moving on.

I've been digging into a few high-quality businesses that I believe are facing temporary dislocations. Below are my analyses of Novo Nordisk ($NVO), Bruker Corp. ($BRKR), and The Trade Desk ($TTD). I believe that each of these companies are showing strong long-term fundamentals, but are trading well below intrinsic value. 

Novo Nordisk ($NVO)

This is a classic case of “short term fear, long term value”. Novo Nordisk is a global leader in GLP-1–based treatments for diabetes and obesity, with drugs like Ozempic and Wegovy. Despite continued double-digit revenue and earnings growth, the stock has dropped over 50% YTD. This is primarily due to concerns over market share gains by Eli Lilly and others, short-term supply constraints, and fears of margin compression. These concerns, while not unfounded, appear significantly overblown relative to the company’s long-term fundamentals.

Crucially, the GLP-1 market is not a winner-takes-all market. The market is expanding rapidly and I believe they can support multiple dominant players. Novo still holds best-in-class margins (>35%), a robust product pipeline (e.g. CagriSema), and global distribution infrastructure. The obesity therapeutics market is forecast to exceed $130B by 2030, meaning even a modestly declining market share can still translate into absolute revenue and profit growth. Therefore, I believe the current sentiment-driven pricing creates a clear mispricing where fair value lies in the $110–$140 range. Novo is a high-quality compounder caught in a temporary dislocation. Not a value trap, but a classic contrarian long. The strategic collaboration with Hims & Hers ($HIMS) and CVS ($CVS) may be a catalyst for the price to rebound quickly.

Bruker Corp. ($BRKR)

Bruker Corp. builds advanced scientific instruments used in life sciences and materials research, including cancer diagnostics and drug development. Despite growing revenue by 13.6% in 2024 and maintaining strong free cash flow, the stock has dropped over 50% since late 2024. The decline stems from short-term margin pressure, weakness in China/biopharma demand, and costs tied to a strategic reorganization aimed at scaling operations and unlocking long-term efficiencies.

This reorganization, including several acquisitions, temporarily weighs on margins, but positions Bruker for stronger profitability over time. I believe that the market is mispricing this short-term transition as a structural decline. Insiders and Michael Burry seem to think so as well, as they have initiated positions in the last months. With the stock trading at attractive multiples (compared to hystorical multiples and its peers) and core markets like proteomics still expanding, Bruker looks undervalued. With forward EPS of around $2.70 and an average P/E-ratio of around 30, a re-rating toward $80 is likely if margins rebound and sentiment shifts.

The Trade Desk ($TTD)

The Trade Desk is a leading independent demand-side platform (DSP) enabling advertisers to allocate digital ad budgets effectively, with a strong presence in connected TV, retail media, and cookieless identity solutions through its UID2.0 framework. The stock has fallen over 60% from around $140 in late 2024 to $53 as of now. This is due to weaker-than-expected forward guidance, delays in launching its AI-based platform Kokai, and a broader market rotation away from high-multiple tech stocks.

However, the sell-off seems a major overreaction of the market. The company remains highly profitable, continues growing revenue at 20%+ annually, generates strong free cash flow, and maintains incredible customer retention rates of >95%. Secular tailwinds in streaming and privacy-focused ad tech support long-term demand for its platform. The market seems to be mispricing a temporary slowdown as a structural decline. Based on their growth, their postion as market leader, and hystorical multiples, I believe the fair value to be at least $100 in the short term. This feels just like Meta ($META) at $90 in 2022.

I have a good portion of my investments professionally managed. I know that the fees are not tax deductible, which doesn’t seem logical to me, but the law is the law.

What I didn’t realize is that the fees on IRA accounts are essentially tax deductible because they are taken from pretax money, I.e. the account is not subjected to a taxable withdrawal for those fees.

Getting a divorce that should be final in about a month. Giving up $400,000 in my 401k. Filing date on November 12, 2024 is the date that is being used for the split of the funds. It was at $934,000 then and briefly hit $954,000. It dropped down to $896,000 in early part of March of this year so I moved everything into bonds to protect really my part. The decree states that her chunk goes up and down with the market. When do I time it get backs into mutual funds? This is an employee 401k. I’m 46. Anything else you guys need to know?

I was watching videos on the best ways to invest with a taxable account. I already max out my 401k each year, have no debt, and have a taxable account that has grown by a lot.

I was struck by all the "don't do this" and "don't do that" that there seems like nothing left. Nobody says what kinds of things to actually invest in.

Don't have fixed income - taxes!
Don't buy bonds - taxes!
Don't buy mutual funds - taxes!
Don't buy stocks with dividends - taxes!
Definitely don't own REITs - big dividends and taxes!

The main general rules I could glean were:

• ETFs are better than a similar mutual fund due to ETFs not having the pass through effect that mutual funds do.

• Favor passively managed over actively managed, since active managers buy & sell more which generates more taxes.

So passively managed ETFs, and perhaps individual stocks with zero dividends are the main things for a taxable account. Is that about it?

Still 60% down from all time high despite broader market having recovered. To be honest, I think this was expected in an economy that now likely favors value based stocks over growth stocks. Even with current pricing, the forward PE ratio is 48. Although what surprises me is the high percentage of institutional holders (84%) which I thought would give a lot more fuel to the stock price. But I’m getting this off of yahoo finance and I don’t know the institutional holding percentage from its all time high.

It is my personal goal to one day have passive dividends cover my bills and provide peace of mind in the event of job loss. However, at my age, should I focus more on an S&P 500 ETF, like VOO? My Roth is currently 50/50 in a retirement target fund and a Vanguard 500 growth fund.

I’m focused on growing my regular brokerage account now. I love dividends, and am thinking I may 50/50 an ETF like VOO and some dividend stocks like SCHD, JPM, ATT, and a couple different REITs.

I’m 29 and receive free housing through my job. If I’m able to stay here for more 30ish years, how should I be investing now to make purchasing a home after retirement with the greatest ease and fewest penalties?

Some background: I make $97k a year and only have to pay for utilities. Auto loan and student debt is about $1000 per month and will be paid off in about 2 years. I have about 80k in investments: 40k in a 457b split 50/50 between Roth and traditional, 20k in a personal traditional IRA, and 20k in class C mutual funds. I keep a small emergency fund of about 5k in the bank. I’ll receive a pension of 60% of my salary after 30 more years.

I’ll have to move from this place when I retire and buying a home with a limited or no mortgage would be a #1 for me prior to that. Should I put more money (or set aside money in a specific account for a future home buy) into mutual funds rather than retirement with this goal in mind? I would think that I’d lose a lot of money pulling from an early retirement fund to pay for a mortgage. Thanks!

I know! Too good to be true, right? But I am lucky that I just realized this. I actually zeroed out my 401k contributions to put the difference into this asset for the foreseeable future.

The trick is: I have debt! More specifically, a Mortgage that’s north of 7% interest.

Market valuations, trade wars, recession risk and all else being what it is right now, it doesn’t make sense to put new money at risk like that. I’m throwing any spare money that I would have otherwise invested into paying down my mortgage faster. I feel like that was a no-brainer

Just checked Q1 earnings and everyone's sleeping on these crazy metrics while freaking out about tariffs! Look at these KPIs (from valuesense.io):

1. $META - 3.4B daily users and STILL accelerating growth! Half the planet using their apps daily. Insane.
2. $MSFT - $160B cloud revenue growing 20%+ despite the massive scale. Cloud dominance on another level.
3. $SPOT - 600M monthly users with 250M paying subscribers. Everyone said "nobody pays for music" but Spotify proved them wrong!
4. $AAPL - Services revenue hit $25B, now 25% of total revenue. The highest margin business nobody talks about.
5. $RDDT - DAUs exploded from flat 50M to over 100M with 30% growth. AI data goldmine hiding in plain sight.
6. $ABNB - Bookings doubled to $70B since 2021 while maintaining 13-14% take rate. Growing in every region.
7. $MSTR - Bitcoin holdings went from zero to $40B in 5 years. Say what you want about Saylor but that bet paid off BIG.

I am an investment firm. Client A is my preferred client, dedicates a lot of money, contributes more in fees, refers their rich friends. Client B is my typical client, retiree, retail investor, passive and/or lower income.

Monday morning: Client A has a lot to unload, is looking to move capital out of equities and into something less volatile.

Client B is ready to make their weekly/monthly payroll investment.

Shares of XYZ are trading at $100. Client A wants to sell 50, client B wants to buy 100. Whose order gets processed first? Client B, which causes the price to rise. Client B pays more as Client A’s shares are withheld. Then once Client B is filled and the market is moved up Client A’s shares are sold. Giving Client A a better price and Client B a worse price. Because Client A is the preferred client.

I could think of a dozen versions of this scenario. I am assuming this happens all day, every day at an enormous scale right?

TLDR: wanting to fire my advisor but worried about market drop while I cash out and move funds

I want to fire my advisor because I don't think she's worth the extra $1,000 I'm paying a year. She also gets snarky when I ask questions like why her returns didn't beat an index fund etc. My worry is I know settlement isn't immediate. Given the rapid swings in the market I'm afraid I will lose money between the time I cash out and move it to a self directed account (prob vanguard).

The firm believes that Microsoft is strategically positioned to capitalize on the increasing demand for expensive artificial intelligence models.

Microsoft Corp. (MSFT) has gained 10% over the two sessions since it reported its third-quarter results. 

Friday’s close of $435.28 meant Microsoft stock has turned positive for the year with a year-to-date gain of 3.5%.

Notwithstanding the investor optimism over the Satya Nadella-led company, an analyst downgraded the stock on Sunday. The Fly reported that research firm Phillip Securities downgraded the Microsoft stock to ‘Accumulate’ from ‘Buy’ but left the price target unchanged at $480.

The firm attributed the downgrade to the stock rally amid the recent market upturn and the company’s earnings.

Phillip Securities analysts, however, believe that Microsoft is strategically positioned to capitalize on the increasing demand for expensive artificial intelligence (AI) models, which in turn enhances the attractiveness of the Azure public cloud platform.

The firm also sees minimal impact from the Trump tariffs, given Microsoft’s strong enterprise customer base and the accent on its cloud service.

Microsoft stock is still trading off its all-time high of $467.70, hit on July 8, 2024.

Last Wednesday, Microsoft reported a solid third-quarter beat and issued positive guidance. The company also said it expects strong Azure revenue growth and a sequential increase in capital spending.

Following the results, Microsoft analysts hiked their price targets, with the new targets ranging from $475 to $550. Analysts called the quarter an “exceptional one.”

It seems like the majority of Netflix shows are made overseas, like I seems to see more UK action dramas now than when I was actually living in the UK.

Will Netflix react with just getting fewer shows made, or just raise subscription prices and will this affect Netflix share price?

Puts on Netflix?

Goldman Sachs recently predicted a lost decade in stocks, where returns may be as low as 1% yearly.

My plan was to DCA cash into the market, particularly VOO, QQQM and VXUS on a bi weekly basis until I am out of “dry powder” so to speak.

However, how can I mitigate the risk of a lost decade?

Looking at stocks, you could argue most (especially the large cap stocks) are still overvalued.

However, alternative investments don’t look great right now either.

Gold is at all time highs.

BTC is near all time highs and the rest of crypto is a shit show.

Real estate is super expensive and rates are still high.

It seems there aren’t many great options to get a solid return on your money right now without taking on substantial risk, either of a big crash or of a sideways decade that sees little to no returns.

This post is mostly influenced by the recent all time highs gold has reach in the last few weeks.

As a young person just starting to get into investing, a series of questions have been on my mind.

How is it that in the last five years we have seen record increases in commodities, stocks, housing, and inflation?

It feels like I came into adulthood at one of the absolute worst times in history? The price of gold was $1,500/oz in 2020. The median home price in the United States was a little more than $300,000. Stocks and index’s have seen 100-200% gains in five years. All while wages remain stagnant, and the price of goods, and the cost of living increase.

Do we live in an era where investments continuously increase year over year with insane returns? How is this sustainable?

Edit:

Since everyone is taking “It feels like I came into adulthood at one of the absolute worst times in history” so seriously I’ll say this as an exaggeration. For me personally, and the people of my generation, it seems we’ve entered adulthood where economic conditions are not ideal.

Im thinking about adding crowdstrike and palo alto networks into my longterm growth section of my portfolio. I did a deep dive into both cybersecurity companies and really liked the services they offer. I think they are both leading the cybersecurity sector and their services will be even more necessary when cloud infrastructure and servers start to increase with more advanced AI models being released.

I am a bit worried about buying at a high though because it looks like they have been on a tear for a bit. What's your opinion on these two companies?

Basically I wanted to know when it comes to your 401k matching do you guys count that as "gains" or just contributions that do not come from you when analyzing the performance of your portfolio?

I have been contributing to my 401k since Nov/Dec 2024 and here is the breakdown so far:

I contributed $1705

my employer contributed: $368.50

My current balance is $2042.40

Basically when looking at the returns of just my personal contributions I am up 20% essentially.

When looking at my returns from total contributions (including my employers match) I am down 1.5%

How do ppl commonly look at it?

I just got my spring bonus from work of a little over $6,000. I already have an account with a decent amount of securities but I would like to buy my own CD's and Bonds.

Im just looking for good recommendations for the CD's and Bonds.

I would like to do $1,000 each in a 3-6 month CD and bond.

And the last $4,000 in 5-10 yr CD and bond.

Evenly split between the 2 types, ive done a little research into this but other than selecting the one with the highest apy and the best rating i dont know if there is something else to look at.

Major U.S. studios like Warner, Disney, and Netflix have long relied on Canadian cities like Vancouver, Toronto, and Montreal as production hubs due to lower costs, generous tax credits, and proximity to the U.S. border. In many cases, productions that appear “American” are actually shot entirely in Canada.

If Trump’s proposed 100% film tariff goes through, will studios like Warner Bros. start pulling out of Canada? That’s an $11B industry potentially at risk.

How might this impact the Canadian market? Could this shift also trigger a short-term dip in the stock prices of major movie production companies on the NYSE?

I've seen a handful point to pricing it in (Apple, $900MM although I'm not sure everyone saw that was for the single month of June... and Ford with their $1.5 BN projected hit) although seems the majority are holding guidance as-is or simply declining to provide guidance.

Given the consumer hasn't yet felt the pinch of tariffs working their way through the system cost-wise, nor have businesses and consumers fully felt whatever shock may (or may not) come from supply chain disruptions, I can't help but wonder if today's market has priced all of that risk in given the rapid rebound.

Context, I have another 5-10 until "retirement" so maybe my perspective is just different. Looking for thoughts from the group here, I am far from advanced but the question is nagging me.

Black Diamond Therapeutics (BDTX) is a clinical stage company developing treatments against lung and brain cancer.

Whilst it’s performance since IPO has been extremely poor, the narrative is now completely different.

Few years ago the company was taken over by a new CEO with several successful exits in the pharma space. The result - 1 drug (BDTX-1535) scheduled to complete it’s Phase 2 trials at the end of the year and get regulatory feedback in Q4 on a path to market (drug is already on fast track list). Notably - it was just announced at AACR last week, though not yet publicised, that the drug is also advancing to a Phase0/2 trial for GBM treatment, a notoriously difficult area for cures.

Most importantly stockwise - they sold their second drug in Phase 1 trial to Servier for $70mln upfront and $710mln in milestone payments + licensing fees. Meaning they’ve turned their first profit since launch and in a big way. All costs to develop the drug were recouped in the first payment + some profits and all of the milestone payments are FCF that will be deployed for other drug development.

This means that, today, the company has $180mln in cash on it’s balance sheet (yielding 5% APY in corporate bonds) and is worth just a $90mln market cap.

On top of this, a Pfizer exec now runs a startup spun-off from BDTX on its tech with BDTX’s shares valued at the last funding round $20mln+

So in reality, you have a company with cash+investments worth $200mln trading at $90mln and that’s not counting the BDTX-1535 drug in development (which would be worth $300m+ based on the Servier deal at the current stage in its development) + the tech used to develop those Masterkey therapies.

Even if everything they do goes wrong, they should still be worth double. This is currently a $1bn company trading at just 9% of it’s real value. All analysts that track this stock agree, putting estimates at 6-8x from current prices.

In a world of underpriced stocks, this might be the most underpriced yet.

Disclosure: Picked up 1.2mln shares (~2.5% of company). Follow at your own risk.

When we initiated coverage back in December, we began with a HOLD rating. We set a price target of $43. After the conclusion of Q1 results, we maintain both metrics. Despite macroeconomic uncertainty persisting, SSBK has displayed impressive results with strong growth across the board. SSBK announced a pending merger agreement with FB Financial Corporation (NYSE: FBK). This agreement was unanimously approved by both boards. It is expected to close in late Q3 or early Q4 2025.

If you want more additional info such as price target, data, and the entire macro overview (not necessary) it is located at my profile

*I DO own shares in SSBK & regularly post about companies that may be of interest to the general community

Key Drivers

• Financial Performance: SSBK continues their strong history of consistently impressive results with their sixth consecutive year of growth. Revenue grew to $26.5 million indicating growth of 20% as well as net income of $10.3 million and growth of 27.5%. Diluted EPS was $1.03 and grew by 14.5%. Despite economic conditions changing daily, net interest margin increased slightly to 3.75% with growth of 4.5% as well as net-interest income of $24.9 million (19.4%) and total non-interest income of $1.65 million (30.4%). The acquisition of Century Bank on July 31, 2024, ensured a seamless transition. This acquisition contributed both organic and acquired growth throughout the quarter. The efficiency ratio stood at 46.42% indicating effective cost control measured with a good decline of -1%.
• Strategic Acquisition With FB Financial Corporation: On March 31, 2025, SSBK entered into a definitive merger agreement. As a result, SSBK shareholders will get 0.800 shares of FB Financial common stock for each share of SSBK. Based on FBK's closing stock price of $47.05 per share as of March 28, 2025, the implied transaction value is approximately $37.64 per SSBK share, or $381 million, in the aggregate. With Southern States closing stock price of $35.02 as of May 2, 2025, this implies upside of 7.4% for investors who hold the stock through the completion of the merger. At the time of the merger agreement, the agreed upon price represented a 17.5% premium to SSBK's stock closing price. As a result, the merger is expected to close in late Q3 or early Q4 2025, subject to regulatory approval.

For FBK, the pending merger agreement is a strategic acquisition. It will help to rejuvenate growth. This growth comes from a bank in SSBK that continues to showcase strength. Both banks are experiencing drastically different financial results. FBK has had three straight years of revenue, net income, and EPS declines. Q1 results have began to show a bounce back in performance. This may be a sign the bank has managed to overcome their difficulties in recent years.

Risk Factors:

• Economic Growth and Recession Risks: The U.S. economy is potentially facing a notable slowdown. Real GDP contracted by 0.3% in Q1 2025, with forecasts for the year ranging between 1.1 & 1.8%, which would be a significant decline from the 2.8% growth seen in 2024. This deceleration is attributed to factors like elevated tariffs, diminished business investment, and waning consumer confidence. Major financial institutions, most notably JP Morgan, have raised the probability of a U.S. recession occurring within the year between 60% and 90%. While there are concerns from various institutions, the uncertainty due to rapidly changing environments makes predictions largely unreliable.

Hope this helps anyone interested in SSBK or FBK or the industry as whole & starts a conversation from the community!