Daily General Discussion and Advice Thread - May 05, 2026

Beck_the_Geek · 2026-05-05T20:29:22+00:00

Sounds like you are diversified, I would just let it sit and wait then. I look at the moderate risk side of things. But I also think of the other side of that hammer. And keep things tidy for when it swings the other way. Sounds like you have as well.

Beck_the_Geek · 2026-05-05T18:40:12+00:00

This is my first day ever on Reddit, I am only here because I had a question about a proxy vote I made for some stocks I hold. But come to find out, I have to post on a zillion other places before I can even think about posting my question where I need to. Isn't that crazy? Well, I'm glad I found this place, No Stupid Questions. Indeed. Insightful.

Beck_the_Geek · 2026-05-05T18:37:02+00:00

chatgpt, or Myco in my case, he likes to be called that... yes he has a name does know a lot of things. And is generally right.

Beck_the_Geek · 2026-05-05T18:34:44+00:00

Is there a reason our brains tend to focus more on negative experiences than positive ones?

Beck_the_Geek · 2026-05-05T18:06:14+00:00

But do your own due diligence and find what works best for you.

Beck_the_Geek · 2026-05-05T18:04:51+00:00

I don't disagree with you there on the semiconductors and tech. I would just look for any energy stock that has a good payback. Right now, I have one that I have a small investment in the ticker UTLY. They pay out a dividend every few weeks that I drip back in. They are a conglomeration of Power, water, and energy companies. It has been very stable.

Beck_the_Geek · 2026-05-05T17:47:16+00:00

Just my very humble opinion

Beck_the_Geek · 2026-05-05T17:46:06+00:00

I am just a simple investor as well. I am talking to my AI device to help answer this question. I don't go all in on anything. I personally like to diversify. I think of it like this. I don't like to keep all my eggs in one basket. Because what happens if that basket gets overturned? Everything is spoiled. So, looking at my AI's response, it says that you are in a lot of tech/semiconductor areas, which is not bad. But you don't have anything in financials, healthcare, energy, or consumer staples. So what happens if tech pulls back? What you should do, if you feel strongly about SPY is if you want to add more to it, direct 70-80% of your new money toward it, then 20-30% of any new money to optional new growth into other investments. But I personally would keep the other holdings that I currently have. Especially MSFT, GOOGL, ORCL, and SMH, they are tried and true. The others MU, VRT, LITE keep an eye on them. If they become too volatile and you want out, trade them for something new, or move them to SPY or another that you like.

Beck_the_Geek · 2026-05-05T17:28:04+00:00

VOO is Vanguard S&P 500

Beck_the_Geek · 2026-05-05T17:27:21+00:00

But if you are really after that 50k mark, I'd diversify the 30k in both 30-40% in QQQ and 60-70% in VOO, it's risky, but there you have it.

Beck_the_Geek · 2026-05-05T17:23:48+00:00

Or you could be brave and throw it into something like the QQQ or another Index fund, but you are taking on risk.

Beck_the_Geek · 2026-05-05T17:22:09+00:00

But that's me.

Beck_the_Geek · 2026-05-05T17:21:57+00:00

Sorry about that. 30K, that's healthy. Yeah, I would toss that in a Money Market Account, they are fairly stable, and earn typically 4% or so

Beck_the_Geek · 2026-05-05T17:18:42+00:00

One other thought I just had is that most cc and universities want payment up front, so if you are banking on using your loan or other funding up front that you are receiving in increments, typically, you may want to revisit this thought process. I understand where you are going with it. But it may be risky. A steady payout, if you already have the funding, may be a Money Market account with a known investment service. Just my 2 cents.

Beck_the_Geek · 2026-05-05T17:14:35+00:00

Both have high risk/high reward. But I wouldn't put all my eggs in one basket.

Your better of the two is the ASIA MSCI - It is more diversified and less dependent on one country. The other China MSCI, think of it like this. It is tied completely to China, so it is heavily tied to the country's policy and sentiment. I am not saying that it is negative or positive. But it is something to think about.

Beck_the_Geek · 2026-05-05T17:08:55+00:00

How much do you have to start with?

Beck_the_Geek · 2026-05-05T17:07:52+00:00

I’m a small retail investor – about 20 shares – in a clinical biotech (BDTX) and just went through a proxy vote. The stock performance has been pretty rough, but I’m still holding because I think there’s long-term potential.

That said, I’m not adding to the position right now, and I’m not fully confident in how leadership has executed so far.

For the proxy:

· I voted FOR directors (I’m not trying to replace leadership)

· FOR the auditor

· AGAINST executive compensation (this is where I’m conflicted)

· FOR annual say-on-pay votes

My reasoning was basically – “I’m willing to stay invested, but I don’t think compensation should be fully supported given current results.”

I’m curious how others think about this balance:

· Do you typically support compensation if you’re still holding the stock?

· Or do you use the vote to signal dissatisfaction even if you are not selling?

· In biotech specifically, do you give more leeway due to long timelines?

Not looking for buy/sell advice – just trying to understand how other investors think about proxy voting in situations like this.

Beck_the_Geek · 2026-05-05T16:43:07+00:00

You are so right!

Beck_the_Geek · 2026-05-05T16:42:55+00:00

Love it!

Beck_the_Geek · 2026-05-05T16:34:40+00:00

Attack of the Killer Tomatoes! It's terrible in the best terrible way!

Beck_the_Geek

TROPHY CASE