Investment thread

[CosmicCowboy]

Any good stock ideas? Markets been really strange lately. Have a wad parked in 9 month cds @ 5.1% but also looking for ideas for better returns in the market.

[Blake]

Yeah the short term CDs have been surprisingly nice at 5+%. Doesn't seem that long ago the 12 month+ CDs were closer to 3. I mean, it's not gonna make anyone rich but it's nice pocket change.

AI stocks intrigue me.

I put a little extra in Tesla stock when I heard they would be "sharing" their EV pumps with other manufacturers, seems to be still trending up

[CosmicCowboy]

Yeah the short term CDs have been surprisingly nice at 5+%. Doesn't seem that long ago the 12 month+ CDs were closer to 3. I mean, it's not gonna make anyone rich but it's nice pocket change.

AI stocks intrigue me.

I put a little extra in Tesla stock when I heard they would be "sharing" their EV pumps with other manufacturers, seems to be still trending up

Yeah Nvidia has gone to the moon this year but 40x future earnings seems rich for me. I put 25k in ASML instead. Seems the guys that have a lock to build the machines that can build the chips that are required for AI will do well.

[FuzzyLumpkins]

Just go to Tahoe.

[Thread]

As always; just the 4-FOUR-4 letters...

FDIC

[HemisfairArena]

.Yeah the short term CDs have been surprisingly nice at 5+% Doesn't seem that long ago the 12 month+ CDs were closer to 3. I mean, it's not gonna make anyone rich but it's nice pocket change.

AI stocks intrigue me.

I put a little extra in Tesla stock when I heard they would be "sharing" their EV pumps with other manufacturers, seems to be still trending up

This tbh,,,,otherwise stock market is for suckers. Only a few make life changing money and the rest sweat the ups and downs and die early of high blood pressure. Make enough money to invest very conservatively and you will have no worries. If youre relying on the stock market to make your life,,,,youre in trouble already,,,,,

[Thread]

This tbh,,,,stock market is for suckers. Only a few make life changing money and the rest sweat the ups and downs and die early of high blood pressure. Make enough money to invest very conservatively and you will have no worries. If youre relying on the stock market to make your life,,,,youre in trouble already,,,,,

That's it & that's all.

[Winehole23]

If the risk on scenario is looming, as some think, it might be a good idea to buy some bonds. That way you at least get some kind of payout if the stock market goes to shit.

[CosmicCowboy]

If the risk on scenario is looming, as some think, it might be a good idea to buy some bonds. That way you at least get some kind of payout if the stock market goes to shit.

CDs and some moneymarket funds are paying better than government bonds. There are also some stocks that give you the best of both dividends and potential cap gains like energy stocks. Bonds are also interest rate sensitive and lose value in inflationary markets.

[Winehole23]

CDs and some moneymarket funds are paying better than government bonds. There are also some stocks that give you the best of both dividends and potential cap gains like energy stocks. Bonds are also interest rate sensitive and lose value in inflationary markets.what if deflation is the real danger now?

[Thread]

what if deflation is the real danger now?

& pass up all that money they'd been rackin' in since motherfucker Biden got sworn to squat? Please.

[CosmicCowboy]

what if deflation is the real danger now?

I dont see that ever happening.

[Thread]

I dont see that ever happening.

I know, CC, I already read him the riot act. What a dummy, eh? Here I thought the Winester was, you know, a pretty sharp dude. Uh, uh. Nope.

It'll be a damn long time before we ever let him forget this booger, eh, CC?

[Winehole23]

I dont see that ever happening.Not ever? Weird.

[Thread]

Not ever? Weird.

...well, at least until Biden stops taking it from us in boodles and giving it to the Nazi's in Ukraine after skimming just barely more than half of the aforementioned boodle to hire Black women & men to go American-door-to-American-door confiscating gas stoves, light bulbs & ceiling fans & hopefully every fuckin' pair of peddle pushers they can get their ass scratchers on.

[InRareForm]

Dividend investing isn't for everyone but I like VICI, SCHD (safe as it gets), SVOL (risky with a 17% yield). You will get no growth with PFLT... But 11.78% dividend paid monthly is sweet.

20% tech in portfolio as well.

[scott]

Been contemplating a move to cash equivalents on my entire portfolio. I don't like trying to time the market, but there are a lot of signs pointing to a major downward correction on the horizon and I think we could be on the precipice of a real housing bubble (again). Fed has done a good job calming inflation, but this interest rate environment is going to put a lot of strain on an economy filled with individuals with no savings. Student loan relief may help, but I'm not optimistic.

I'm torn between moving to cash equivalents and dollar cost averaging on index funds.

[scott]

Also, the inflation we experienced coming out of Trump escalation of the deficit and COVID spending, and the subsequent response from the Fed was about the most predictable economic outcome I remember in my lifetime. Hope you all took advantage accordingly.

[Millennial_Messiah]

5.2-5.3% on 1.3 Million is what I currently have, through early August of next year. Guaranteed well over $50K free money after-tax.


Also, the inflation we experienced coming out of Trump escalation of the deficit and COVID spending, and the subsequent response from the Fed was about the most predictable economic outcome I remember in my lifetime. Hope you all took advantage accordingly.
Both Biden & Trump are to blame.

Before spring 2020, Trump, Mitch, and co. were doing a very good job. Inflation was under 2% per year and groceries did not increase at all from January 2017 to January 2020. Gas prices were reasonably stable from 2015 to 2020 then they got way too cheap which was good in that it lowered the price of my new hybrid car when I purchased it new, but bad overall because it meant that gas prices were going to go back up to Obama era 2009-2014 levels not too long in the future

The stimulus was always a bad idea and not just the fault of Trump but also both branches of Congress, and Trump definitely should have vetoed it, but it likely would have deep sixed him in the election with a lot of the WWC/HWC vote unfortunately which are his base. As a graduate degree educated upper middle class libertarian whitey I would have strongly commended him for it though. He showed no balls in 2020, not standing up against the stimulus & not summoning the national guard to Tienanmen Square- squelch the Summer 2020 riots. My family on both sides voted for Jorgensen, but it's not like any of us were in swing states so the vote didn't matter.

But Biden did us no favors by cancelling the pipeline and making America energy dependent and a net importer once again



what if deflation is the real danger now?
Some deflation would be good. Getting gas prices and bread/grocery prices back down to Obama's last year, i.e. 2016, would help everyone especially the working class, and improve Biden's favorability/job approval to probably a point where he would be re-elected on that issue alone.


This tbh,,,,otherwise stock market is for suckers. Only a few make life changing money and the rest sweat the ups and downs and die early of high blood pressure. Make enough money to invest very conservatively and you will have no worries. If youre relying on the stock market to make your life,,,,youre in trouble already,,,,,
In 2020-2021, there was literally no money to be made in the bond market. You couldn't make a living off non-callable CD's even if you had a million bucks to put in it. 2020-2021 was the worst market ever for us risk averse people. Even most of the Trump administration interest rates were too low.


CDs and some moneymarket funds are paying better than government bonds. There are also some stocks that give you the best of both dividends and potential cap gains like energy stocks. Bonds are also interest rate sensitive and lose value in inflationary markets.
My personal belief is that the Fed should spike interest rates to well over 10%, like in the 1980s, to (a) roll back prices back to 2019, and (b) guarantee very minimal inflation for at least the next several years. Millennials especially need a break after the horrors of 2020 to 2022.

[InRareForm]

Been contemplating a move to cash equivalents on my entire portfolio. I don't like trying to time the market, but there are a lot of signs pointing to a major downward correction on the horizon and I think we could be on the precipice of a real housing bubble (again). Fed has done a good job calming inflation, but this interest rate environment is going to put a lot of strain on an economy filled with individuals with no savings. Student loan relief may help, but I'm not optimistic.

I'm torn between moving to cash equivalents and dollar cost averaging on index funds.

Dave Ramsay and others says no housing bubbles because house inventory is low and builders aren't building fast. And no one is going to sell their 1-3% mortgage rate they got before rates went up. Although I agree the prices of these homes are outrageous and not sustainable

[Winehole23]

lol there is no bubble Dave Ramsey., it's only a matter of time.

the day of payment will not be put off forever, and debts that can't be paid won't be paid, unless the government saves them, er, us.

[Thread]

lol there is no bubble Dave Ramsey., it's only a matter of time.

the day of payment will not be put off forever, and debts that can't be paid won't be paid, unless the government saves them, er, us.

And the kicker, Winester? The absolute fuckin' livin' end, my fine friend? The longer Putin holds out the longer Biden has to give it away to Nazi's instead of Americans. The best thing for "you," Winester? If Putin would just stick 1 index finger down his throat to ejaculate his doubts & with the other index finger push the button on those Nazi's in Ukraine.

Voila!!!

[CosmicCowboy]

lol there is no bubble Dave Ramsey., it's only a matter of time.

the day of payment will not be put off forever, and debts that can't be paid won't be paid, unless the government saves them, er, us.

Blindly ignoring national debt

[Millennial_Messiah]

Dave Ramsay and others says no housing bubbles because house inventory is low and builders aren't building fast. And no one is going to sell their 1-3% mortgage rate they got before rates went up. Although I agree the prices of these homes are outrageous and not sustainable

Dave Ramsey is a clown and completely stupid when it comes to economics. How could anyone take him seriously? He doesn't even have any idea of how the FAFSA works.

[InRareForm]

https://youtu.be/0E_-1rmspCo?si=m_m89lEGk1BLUqcR

[pgardn]

This tbh,,,,otherwise stock market is for suckers. Only a few make life changing money and the rest sweat the ups and downs and die early of high blood pressure. Make enough money to invest very conservatively and you will have no worries. If youre relying on the stock market to make your life,,,,youre in trouble already,,,,,

Historically, if you are NOT relying on the stock market to make money for retirement and go a safer route. You will eaten up by inflation.
And by far the easiest way are large INDEX funds. No work. Let her ride if you have the bucks.

If you pick individual stocks on your own I think you must realize their are people who do this for a living and are privy to a lot more than you are.
But it can be amusing I guess. I would say its fair to venture the vast majority of individual investors who pick individual stocks on their own are asking to fall behind if they keep playing after a big individual win. Its like gambling imo.

[Thread]

Historically, if you are NOT relying on the stock market to make money for retirement and go a safer route. You will eaten up by inflation.
And by far the easiest way are large INDEX funds. No work. Let her ride if you have the bucks.

If you pick individual stocks on your own I think you must realize their are people who do this for a living and are privy to a lot more than you are.
But it can be amusing I guess. I would say its fair to venture the vast majority of individual investors who pick individual stocks on their own are asking to fall behind if they keep playing after a big individual win. Its like gambling imo.

That's it & that's all.

[RandomGuy]

Any good stock ideas? Markets been really strange lately. Have a wad parked in 9 month cds @ 5.1% but also looking for ideas for better returns in the market.

Bet against the Chinese economy.

Ask yourself who benefits from an implosion of the Chinese economy, and that is where the returns will be. Mexico, and anyone doing business in manufacturing in Mexico.

US firms are re-shoring their supply chains. cheap asian countries like vietnam can only absorb so much.

[RandomGuy]

This tbh,,,,otherwise stock market is for suckers. Only a few make life changing money and the rest sweat the ups and downs and die early of high blood pressure. Make enough money to invest very conservatively and you will have no worries. If youre relying on the stock market to make your life,,,,youre in trouble already,,,,,

Owning stocks is one of the best ways to beat inflation. The key is to diversify in terms of risk, sector, and type of investment. Don't put all your money into stocks. A few bonds, stocks, and cash, with the mix determined by your time horizon.

[FuzzyLumpkins]

Owning stocks is one of the best ways to beat inflation. The key is to diversify in terms of risk, sector, and type of investment. Don't put all your money into stocks. A few bonds, stocks, and cash, with the mix determined by your time horizon.

CC likes to speculate. That is what he is asking for: individual stocks to gamble on.

[DMX7]

Any good stock ideas? Markets been really strange lately. Have a wad parked in 9 month cds @ 5.1% but also looking for ideas for better returns in the market.

The problem with this question is that you haven't provided other important information like your investing time horizon, risk tolerance, etc.

[Thread]

Owning stocks is one of the best ways to beat inflation. The key is to diversify in terms of risk, sector, and type of investment. Don't put all your money into stocks. A few bonds, stocks, and >>>>>>>>>cash<<<<<<<<<, with the mix determined by your time horizon.

There, that's the 1.

[SnakeBoy]

Historically, if you are NOT relying on the stock market to make money for retirement and go a safer route. You will eaten up by inflation.
And by far the easiest way are large INDEX funds. No work. Let her ride if you have the bucks.

If you pick individual stocks on your own I think you must realize their are people who do this for a living and are privy to a lot more than you are.
But it can be amusing I guess. I would say its fair to venture the vast majority of individual investors who pick individual stocks on their own are asking to fall behind if they keep playing after a big individual win. Its like gambling imo.

It's only like gambling if you approach it like gambling, i.e. looking for that "big individual win".

[SnakeBoy]

what if deflation is the real danger now?

Then it's another financial system collapse, and bonds will get clobbered as well as equities.

Been telling ya'll since 2020 it's time to be liquid and stay nimble. The end of the boomer boom is the end of set it and forget it retirement planning.

[SnakeBoy]

Well that's interesting

1694663903014260939

[scott]

Well that's interesting

1694663903014260939

I agree this is very interesting - though I would say more likely coincidental that predictive. Proceed with caution.

[spurraider21]

i have a lot of short term uncertainty as far financial needs go. second kid on the way, and in march we're going to find out where we're going to live during my wife's residency. might be moving somewhere with a higher cost of living, need a new car, etc.

with that in mind i've been pretty conservative. short term CDs, some treasury bills, etc

[DMX7]

I agree this is very interesting - though I would say more likely coincidental that predictive. Proceed with caution.

Exactly.

[spurraider21]

Well that's interesting

1694663903014260939
this is kindergarten analysis tbh

[Ef-man]

this is kindergarten analysis tbh

That explains why he stashes his cash under the mattress.

[Thread]

That explains why he stashes his cash under the mattress.

& there ain't nothin' with doing precisely that.

[SnakeBoy]

this is kindergarten analysis tbh

It's not analysis.

[spurraider21]

It's not analysis.
it is tho

[Ef-man]

It's not analysis.

If not analysis, what is it?

Made up shit? Wild ass guess? Lawrence just overlaying graphs until they matched?

If you ever heard Summers speak, my condolences.

[SnakeBoy]

If not analysis, what is it?


It's a warning to those of you who think the soft landing has been achieved.

[SnakeBoy]

Powell has made it very clear he wants to be Volcker not Miller.

[pgardn]

It's only like gambling if you approach it like gambling, i.e. looking for that "big individual win".

Not if you pay 2 dollars to win on a >99-1 horse and do it only once a year.
If you do it for entertainment in small amounts I get it.
Either way you wont know the horses like the guys who run the barn, train, and watch the workouts.

[SnakeBoy]

Yeah Nvidia has gone to the moon this year but 40x future earnings seems rich for me.

My guess it's probably going to $1000 in the next 12 months. That said, grabbing the ass end of a rocket is a good way to get burned.

[ChumpDumper]

It's a warning to those of you who think the soft landing has been achieved.

So it's analysis.

[spurraider21]

So it's analysis.
:lol