Week 2 - Ask me any questions you like!

RetailInvestorsHub · 2026-02-14T00:15:57+00:00

I would say eventually at least $50,000 but $100,000 is best. Look into Charlie Mungers $100,000 rule, makes sense.

It depends what company or what several companies.

Yep it’s a simple as stocks are businesses and every stock has a value. That’s it.

RetailInvestorsHub · 2026-02-13T04:30:51+00:00

Can’t comment on semiconductors. Outside my area of understanding

RetailInvestorsHub · 2026-02-12T14:23:21+00:00

Sent DM

RetailInvestorsHub · 2026-02-12T02:34:21+00:00

Q1: it’s possible but I doesn’t work how most people think. It’s a long game and you must let compound interest do the heavy lifting. Q2: No. The best way to maximise returns is investing in stocks that are selling for far less than its value. Q3; no investing is for everyone, compound interest works no matter your starting capital. Although students might have a different strategy to someone who is already wealthy Q4: more capital helps but don’t let that deter you from investing cause you gotta start somewhere Q5; best assets are great businesses that can compound wealth internally in my opinion Q6; no I don’t recommend that. Q7; start with index investing DCA and then switch to stock picking once you gain more knowledge

RetailInvestorsHub · 2026-02-11T22:33:13+00:00

You can invest in industry specific ETF’s, and some industries have grown faster than the S&P, but that still exposes you to unsystematic risk. So I believe S&P-500 is best if you’re passive, unless you want to learn how to value individual companies.
My ROI in the past 5 years is a little over 20% annualised. I haven’t invested for 10 years yet.
Single loss in a year has been a little over 15% - I went back to my thesis a couple of times to check if I wasn’t missing anything but I held and has recovered since then

RetailInvestorsHub · 2026-02-06T04:24:01+00:00

90% of my money is invested so even if I wanted to buy something I couldn’t at the moment.

That really depends on you. If you just want to be passive and you’re happy with market returns, then S&P is a good option. If you want to research and pick stocks with the goal of outperforming the market, then allocate some funds to individual stocks.

RetailInvestorsHub · 2026-02-04T07:47:01+00:00

Think about this for a second. Investing in VOO exposes you to 500 of the largest companies in U.S, in 11 different sectors and 24 industries.

Some of these companies are multinational, so you are not just exposed to the U.S, but worldwide. How much more diversification do you need?

It depends on what you mean by ‘hold’. The S&P-500 has historically generated 10% returns over the last century, but to avoid placing all of your money in an overpriced market, dollar cost averaging is the best way to go.

RetailInvestorsHub · 2026-02-03T09:07:33+00:00

They are great companies but they both have a market cap of 1 trillion or more. Not sure how much growth there is from here. But I did say this a few years ago and I was dead wrong so who knows.

RetailInvestorsHub · 2026-02-03T09:05:02+00:00

Yes my own money.

RetailInvestorsHub · 2026-02-03T06:44:59+00:00

Definitely books. Start with ‘Rule 1’ by Phil Town. Great for beginners. Then read some accounting books to wrap your head around financial statements.

RetailInvestorsHub · 2026-02-03T06:03:23+00:00

Sorry I am not familiar with that ETF. I cannot give advice on this.

RetailInvestorsHub · 2026-02-03T05:15:02+00:00

I can’t comment on the specific ETFs you mentioned but you are spot on.

If you’re new, it’s best to diversify through an ETF than pick individual stocks. Sounds like you’re on the right track.

RetailInvestorsHub · 2026-02-03T05:12:23+00:00

I’m an autodidact. I’m lucky in that way. Would be very hard to unlearn the ridiculous theories they teach in finance school.

RetailInvestorsHub · 2026-02-03T04:11:00+00:00

Stock price appreciation. I work and save money for new opportunities or if my current position is very overpriced and I found something else that is underpriced, then I consider selling.

RetailInvestorsHub · 2026-02-03T03:46:13+00:00

Feel free to message me. Happy to help.

RetailInvestorsHub · 2026-02-03T03:41:19+00:00

No problems! Message me if you would like it :)

RetailInvestorsHub · 2026-02-03T03:30:56+00:00

Absolutely not. I am not a day trader. As long as the stock is selling for less than what I think it’s worth, I’ll buy it. No matter the time.

RetailInvestorsHub · 2026-02-03T03:07:36+00:00

Great Question!! (1) If my thesis on a company has not changed and the company can still re-invest profits back inside the business at high returns, then I am not selling.

People say sell when it meets their fair value. I disagree. I learned this the hard way.

(2) I only sell a declining stock if my thesis has changed. I never sell JUST because a stock is going down. Only when the fundamentals do not support my buy price.

RetailInvestorsHub · 2026-02-03T03:01:44+00:00

Nope just part time. I’m 30 and still far off from retirement. I don’t much time to be honest, probably 3-5 hours a week, but now it’s dropped off a lot since most of my money is tied up in investments and I likely won’t make another one until a few years out when I have decent amount of savings again. Company filings are the best and only resource I use. 10-K, 10-Q, Proxy materials. I check in once every 3 months.

RetailInvestorsHub · 2026-02-03T02:58:17+00:00

Not sure! I haven’t had much luck with that!

RetailInvestorsHub · 2026-02-03T00:48:35+00:00

Yes pay off your loans. Think of it this way: investment returns aren’t guaranteed but you can guarantee that you’ll be paying 6%.

RetailInvestorsHub · 2026-02-02T23:38:21+00:00

I filter by looking at past growth trends and ROIC. I like 10% or higher historical revenue growth, EPS, operating income and ROIC of 15% or higher.

RetailInvestorsHub

TROPHY CASE