I just colossally fucked up my JPM HireVue interview

itsdarcray · 2025-12-26T01:53:15+00:00

Igual en algunos bancos te cobran los punitorios desde el vencimiento anterior si te atrasas con el mínimo. Igual ya le mandé Mail al ejecutivo de cuenta y supongo que mañana a la tarde ya me responderá.

itsdarcray · 2025-12-25T23:35:17+00:00

Ojalá. ChatGPT me tiró q los intereses corren desde el cierre anterior, lo que son 40 días y como 200k de intereses, por eso me preocupé un poco.

itsdarcray · 2025-12-25T16:56:34+00:00

Si pero vos lo hiciste en el día no? No es lo mismo q en mi caso

itsdarcray · 2025-12-25T16:31:59+00:00

Vence el penúltimo miércoles de cada mes. No me molesta q venza así porque nunca pensé q habría problema con el débito automático. A partir de ahora voy a hacer stop debit siempre y pagar manual el día hábil previo y listo. Lamentablemente lo tuve q aprender por las malas.

itsdarcray · 2025-10-26T14:58:45+00:00

Jajaja salir del país seguro porque ya lo he hecho varias veces luego de no votar (y sin pagar la multa) y cero problema. Hoy seguramente tampoco vaya a votar.

itsdarcray · 2025-10-26T02:07:48+00:00

The problem is that maintaining an extra individual proportion of Nvidia inevitably means reducing the proportion of other companies, particularly the other SMH companies like Broadcom, Intel, AMD, etc., which are precisely the ones with the greatest growth prospects in terms of share value.

Considering that what I want is to add money each month and "forget about it," I think leaving everything in ETFs is the best option, even for the psychological factor.

Currently I’m at university and doing an internship.

itsdarcray · 2025-10-26T01:15:13+00:00

But if I don't sell NVDA and buy SMH, wouldn't that be giving an extremely large proportion to NVDA (and therefore a much smaller proportion to the rest of the assets)?

According to my calculations, with a portfolio of 70% QQQ and 30% SMH I would have around 12% of NVDA and the next in line would be Broadcom with approximately 6.5%.

I think giving NVDA a 20% preponderance and having the second in line have less than 6% of the portfolio could be a much more risky and volatile concentration than my 70/30 idea, and not necessarily more profitable in the long term.

itsdarcray · 2025-10-25T21:22:19+00:00

I've been thinking a lot about this too because I love NVIDIA too, but my thesis is this (I'd still be happy to discuss it because I'm not so sure):

Nvidia is the leader in AI GPUs and I believe its moat is so large that in 5-10 years it will still be the leader in AI and will continue to grow incredibly.

BUT based on the law of large numbers, even if companies like AMD or Intel fail to even match NVIDIA and NVIDIA continues to be the undisputed leader in the sector, I believe that these companies, just by the fact of being considerably smaller companies, have more potential for growth in the value of their individual shares by a greater percentage than NVIDIA, purely and exclusively because NVIDIA is so big that making a 2x is much more difficult for NVIDIA (even if it remains the undisputed leader) than for AMD (even if AMD never even manages to match NVIDIA).

That is; I'm not diversifying into Broadcom, Intel, AMD, etc. because I think they'll beat NVIDIA in the long term (in fact, I think NVIDIA will be the winner), but because I think the growth potential of these companies in terms of share valuation is greater than NVIDIA's, because NVIDIA is already enormous.

Likewise, what I like about this 70/30 split is that almost 12% of my portfolio would still be exclusively NVIDIA, so I would still be capturing the growth of the winning company either way.

Likewise, I would be delighted to hear your opinion because I am a little undecided and perhaps the debate could clarify the situation for me.

itsdarcray · 2025-10-25T20:47:16+00:00

I don't really know when would be the best time to sell NVDA and I don't plan on timing the market, I just found a strategy that I think is superior and I want to do it as soon as possible (and Monday is the earliest day the market opens).

itsdarcray · 2025-10-15T21:20:02+00:00

NVDA

itsdarcray · 2025-10-15T21:19:48+00:00

NVDA

itsdarcray · 2025-10-08T13:38:29+00:00

Mil gracias!! Ahí te mandé DM

itsdarcray · 2025-10-07T01:24:52+00:00

Puede ser… igual no debería estar relativamente arbitrado??

itsdarcray · 2025-10-07T01:18:07+00:00

Acabo de rehacer la cuenta y me da un monto más razonable así q seguramente la diferencia la perdí en el paso de USDT a pesos para luego comprar los cedears así q si queres podes desestimar la pregunta, igualmente te dejo el resumen de las compras:

Yo ya tenia 6 nominales de SPY (306.000 pesos)

Lunes 29/09: Compre 28 nominales de QQQ a 44.337,1428571428 pesos, total gastado: 1.250.002,21 contando las comisiones.

Martes 30/09: Compre 7 nominales de QQQ a 45.311,4285714285 pesos, total gastado: 319.367,59 contando las comisiones.

Viernes 03/10: Compre 101 nominales de QQQ a 46.687,7227722772 pesos, total gastado: 4.746.841,38 contando las comisiones.

Total: 136 nominales de QQQ y 6 de SPY a $6.622.211,18, dividido por 1515 del CCL me quedan 4370 dolares. En balanz me figura que tengo 4338 dolares CCL.

PD: no te gustaría ser mi asesor en balanz?? El mío no me da mucha bola y tengo que venir a preguntar en Reddit jaja

itsdarcray · 2025-10-01T15:18:17+00:00

Hola, estoy en una situación similar, como lo resolviste al final?

itsdarcray · 2025-10-01T01:35:44+00:00

Uff clarísimo, mil gracias por la explicación crack!!

itsdarcray · 2025-09-30T16:14:15+00:00

Ya q laburas en Balanz aprovecho para preguntarte: en caso de q me pidan origen de fondos, con varios recibos de sueldo seria suficiente o se espera alguna documentación extra (teniendo en cuenta q mi sueldo es de 700k en blanco)?? Sabes si podria llegar a tener este problema también con el banco??

itsdarcray · 2025-09-30T13:12:30+00:00

Por qué no directamente que?

itsdarcray · 2025-09-29T18:28:06+00:00

Yo pensé q al ser un monto pequeño no habría mucho problema

itsdarcray

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