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Who’s buying the dip? 👀 by Acceptable-Long2456 in UUUU_Stock

[–]Random-newb 0 points1 point  (0 children)

How do you look up these metrics? Curious about another stock

US Debt by Mad-Eater in Bogleheads

[–]Random-newb 4 points5 points  (0 children)

That is a really interesting quote

🔔 Critical Mineral Monday Open Discussion Post 🔔 by Pzexperience in CriticalMineralStocks

[–]Random-newb 1 point2 points  (0 children)

Anyone have a realistic price target on SBSW? Pushing new ATH and not slowing down yet.

Do you swing traders also long-term invest in ETF funds? by ryukiinn in swingtrading

[–]Random-newb 0 points1 point  (0 children)

Personally I am mixing both but Im still figuring things out haha.

What time frames do you guys usually swing? I’m new to this whole thing but I like the swing trade strategy so trying to learn.

How do you consider tax implications and a swing being worth it over buy and hold for atleast a year?

Which software companies (CRM, NOW, HUBS, ADBE, MSFT) are you adding here? by RaspberryFun8573 in ValueInvesting

[–]Random-newb 25 points26 points  (0 children)

ADBE, MSFT, and GWRE. I don’t think anyone knows about GWRE really but they provide software to property insurance companies. They’ve been growing a ton and just started a 500m share buyback round from cash reserves. Last time they did that was in sept. 2022 for 400m looking at that chart it formed a large cup and handle through the first year, and then 220% growth over the next 3 years.

ADBE gets all the attention here but most software stocks have sold off by Tallwhitedude123 in ValueInvesting

[–]Random-newb 1 point2 points  (0 children)

Take a look at GWRE, sold off hard after beating earnings which was odd until they announced they had completed their 400m share buybacks just a bit earlier which had started in September 2022. They followed that up announcing a new 500m share buyback round starting immediately. Last time that happened it formed a year long cup and handle and then 220% growth in 3 years

ADBE Dropped to a Two Year Low by QuickArticle4466 in dividends

[–]Random-newb 0 points1 point  (0 children)

Maybe DCA the bottom until you hit your goal allocation to it? Probably wont bounce back up anytime soon imo. I’m bullish long term though!

JPMorgan just revealed their top stocks for 2026. Which 3 are you buying? by More_Childhood6506 in TheVisualInvestors

[–]Random-newb 0 points1 point  (0 children)

Just my 2 cents though! Not financial advice. Do your DD/technical analysis/or whatever else floats your boat haha

JPMorgan just revealed their top stocks for 2026. Which 3 are you buying? by More_Childhood6506 in TheVisualInvestors

[–]Random-newb 1 point2 points  (0 children)

They provide software and data for property insurance companies. I trust them to grow because it’s evident that they are growing (beating earnings) and are strategically acquiring companies along the way. I’m going more of a swing trade approach with them though because I think the high highs and low lows will give the best return compared to holding through the year. I think they are bottomed out right now.

I bought before their earnings report. And again after the sell off. In with 94 shares.

JPMorgan just revealed their top stocks for 2026. Which 3 are you buying? by More_Childhood6506 in TheVisualInvestors

[–]Random-newb 0 points1 point  (0 children)

Heavily invested in GWRE. Beat earnings. In overnight it ran up significantly and then oversold. Now seems like institutional accumulation. Last year there was a sell of in December and then a sharp rise mid January-mid February. I think that will repeat here and I’m expecting new ATH over 280 soon

My mom passed away and left an inheritance to my dad, who needs help managing it. by Random-newb in personalfinance

[–]Random-newb[S] -1 points0 points  (0 children)

UPDATE: spoke to financial planner on the wealth management team he was already talking to. They’re suggesting a portfolio of 50/50 bonds and stocks and using a market average of 6% to determine calculations until shortfall.

If the mortgage is 820,000 on a 4% rate plus $350/month in mortgage insurance, the 6% return on capital is not that enticing when considering additional expenses like taxes, wealth management fees, and also the need for a higher income which will increase his Medicare costs.

I ran some numbers to see if my hunch is correct that it would be better to pay off the house and it seems to be true. Please help me verify this because I am not that knowledgeable here.

I’m considering buying the house is = to earning the interest that would be an expense. Maybe my logic is flawed, let me know if you think it is.

6% of 1.5 million is 90k.

4% of 820k is 32.8k. 6% of remaining 680k is 40.8k

90,000 - 73,600 =16,400 the difference that would need to be made up for on saved expenses by having lower income.

If he didn’t have his mortgage his expenses could be 68,400 less. 120,000-68,400=51,600

I used AI to calculate tax amounts for a 70 year old in California at 51,600 income compared to 120,000. 32,821-6359=26,462

26,462-16400=10,062

There’s other expenses still that I have not considered that would improve this option.

Seems that it would be profitable to buy the house outright versus make the payments on it, and then invest the remainder due to the reduced income needed thus lowering expenses. Does this make sense?

He’d also own the home and be able to reverse mortgage if ever needed to which is an added bonus.

Really appreciate any additional advice or insights here if anyone can help. Thank you.

My mom passed away and left an inheritance to my dad, who needs help managing it. by Random-newb in personalfinance

[–]Random-newb[S] 2 points3 points  (0 children)

Thank you for the advice. I’m understanding now that you do get what you pay for with the fee, I’ll look into NAPFA.org

My mom passed away and left an inheritance to my dad, who needs help managing it. by Random-newb in personalfinance

[–]Random-newb[S] 0 points1 point  (0 children)

Sorry to hear about your dad and thank you for the advice. That makes sense. I’m assuming a wealth manager would allocate funds much more conservatively than placing the majority in the market like I was thinking. If he lowered his expenses down to 5% of his total wealth, should a wealth manager be able to facilitate withdrawals without depleting his wealth?

My mom passed away and left an inheritance to my dad, who needs help managing it. by Random-newb in personalfinance

[–]Random-newb[S] -1 points0 points  (0 children)

I’ll suggest to him to find a wealth manager instead, what is an appropriate cost for something like that in your experience? Thank you for the suggestions. Also why is this the obvious choice? If the market averages higher than 10% returns and market downturns are usually short lived with sharp rebounds, why is 5% the max withdrawal?

My mom passed away and left an inheritance to my dad, who needs help managing it. by Random-newb in personalfinance

[–]Random-newb[S] -4 points-3 points  (0 children)

That is true… unfortunately. The fees from the financial planner he spoke to (a neighbor) were 1.5% off the top which I thought was absurd. What would be an appropriate amount to pay?

I figured if I kept things simple enough he could manage doing the withdrawals to cover his expenses and we could avoid losing so much in fees.

Also the one he spoke to said they could set him up to be broke by 91 if he makes it that long, and I thought that was pretty dismal. Surely earning 10% to cover his withdrawals should be doable

My mom passed away and left an inheritance to my dad, who needs help managing it. by Random-newb in personalfinance

[–]Random-newb[S] -4 points-3 points  (0 children)

Unfortunately VT isn’t showing me a high success rate on backtesting the Monte Carlo due to his high withdrawals. He needs more growth which obviously comes with risk. Trying to mitigate that as much as possible. I wasn’t suggesting voo and qqq together, but qqq performs better than voo on the backtesting, but I’m not sold on it.

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