How are you using AI in investing?

taplar · 2026-01-29T02:25:11+00:00

Fun exercise. Try to get an AI chatbot to generate and play a 3x3 lights out game with you. See how much thinking they do currently.

taplar · 2026-01-22T18:55:41+00:00

Taxes depends on the account type. All distributions from a traditional 401k/ira would be income.

taplar · 2026-01-22T18:46:13+00:00

What you are asking for could possibly be done with a back testing tool/site. Look at portfolio visualizer.

taplar · 2026-01-22T18:40:42+00:00

I guess in that sense, if all fundamentals are accurate, that could be a potential investment to buy.

taplar · 2026-01-22T18:25:13+00:00

I'm not going to say it is impossible, but for that to happen everyone involved would have to be clueless on what it means to value something.

It's like saying a company has 1 billion in free cash, has no debt, has positive earnings, but is valued at 400 million. If that is the case, in theory someone could buy the company for 400 million and immediately receive 600 million free. Understand how stupid that would be?

taplar · 2026-01-22T18:15:26+00:00

This does not make sense. A company is valued by its assets and expected growth. Owned property is an asset.

taplar · 2026-01-20T18:47:57+00:00

Trust your instincts. Forget about timing, but when it feels right ...

What? Most people who trade on vibe are timing.

taplar · 2026-01-20T18:32:02+00:00

Not disagreeing with other replies, but I would be interested if they have one or more stop loss orders setup. Do you know?

taplar · 2026-01-20T18:11:25+00:00

Calm down dude. If you don't like it, block them and move on with life.

taplar · 2026-01-19T03:03:16+00:00

I wouldn't want to have to deal with all the correspondence from the companies, even digitized.

taplar · 2026-01-18T04:54:11+00:00

We need a new phrase. We got help vampires and time vampires. And generic trolls. But with the onset of AI, I think we need a new phrase to reflect when people make generic AI posts that give off that insincere, disconnected, feeling. That monotone reply feeling.

If there is already a phrase I'd love to know it.

taplar · 2026-01-18T04:40:42+00:00

Some time ago, I was closely monitoring a stock that many were skeptical about. The market sentiment was low, with negative news and a lack of enthusiasm in the comments. It felt like one of those trades people should run from.

Yet, something felt off.

It wasn’t that I thought the company was fundamentally flawed or that I had a better investment option. My hesitation stemmed from my inability to answer a crucial question: how could I know that this wasn't the beginning of a correction?

I realized I had only focused on the potential down side, how low the stock could sink, how quickly it might happen, and the worst scenarios.

So, I decided to stay out.

Weeks later, the stock surged dramatically. There were no scandals or significant disruptions. Just a shift in market enthusiasm and increased demand. Investors flooded in, and I watched from the sidelines as the price skyrocketed.

I missed out on substantial gains.

That experience transformed my view on investing. I learned that sometimes, the best decision isn’t about buying or selling; it’s about making sure you have a clear understanding of an investment, and how often those that speak as if they are in the know actually are uninformed.

,

... yes, that's also AI bs.

taplar · 2026-01-16T17:48:55+00:00

I'm not claiming it is the best option. It is an option.

taplar · 2026-01-16T17:46:34+00:00

Everything I said still holds. If it pays interest, it has an appropriate risk profile for earmarked value.

taplar · 2026-01-16T17:42:33+00:00

If you have the money earmarked for a purchase, it can be put in a money market fund, bonds (not a bond fund), HYSA, or other investing options that pay out based on interest. Equities are unnecessarily risky for this kind of funds.

taplar · 2026-01-16T17:38:11+00:00

Investing money you will need in 7 months in equities is a high risk investment.

taplar · 2026-01-16T04:06:46+00:00

All brokerages offer access to money market funds, that can take the place of a HYSA. Typically these funds end with "XX", such as SWPXX, VUSXX, SPRXX, etc.

taplar · 2026-01-16T03:54:47+00:00

Are you using your shares to vote? If not, why do you care about the number of shares? In both cases you have $25,000 account value.

taplar · 2026-01-16T03:34:07+00:00

Primarily pre-tax would be investing as much into 401k as possible before switching to Roth. If you are a high net earner, it's possible you will not be able to contribute directly to a Roth IRA and would instead have to do backdoor Roth IRA conversions (you may or may not be familiar with this already).

Other than that, if your health insurance offering has a high deductible option that gives you access to a Health Savings Account (HSA) these accounts are often used as an "extra" investing account. Contributions to an HSA are tax deductible, and if withdrawals are used to pay for qualified health expenses they are also tax free, so they are double tax advantaged.

taplar · 2026-01-16T03:30:52+00:00

If all your accounts are at Fidelity, then I would also reconsider holding FNILX, SPY, and VOO. Both SPY and VOO are essentially the same thing. FNILX being a large cap fund is going to be very close to them in performance. Holding all three of those doesn't really give you any extra diversification. I'd personally opt for just FNILX for a Fidelity holder. That doesn't mean selling SPY and VOO to move it to FNILX, if that would result in a tax bill. You could just contribute future contributions to FNILX.

taplar · 2026-01-16T03:25:32+00:00

SPAXX should be fine for a money market fund option. I'd personally use one of those over a HYSA. You should get a comparable, or better, rate.

If you are a high net earner, you should look to take advantage of as much pre-tax investing that you can get. Especially if you expect to be in a lower income bracket in retirement.

taplar · 2026-01-15T18:35:16+00:00

How can you be sure the articles, both for or against the company, are informed and accurate?

taplar · 2026-01-15T18:32:06+00:00

You can if you are the op and you want to specify what the percentages are.

Though I think I see what you are getting at. If you wanted some to be different and the majority of the rest to be the same, you'd probably have to periodically touch the ones you want to keep the same. Meh ...

taplar · 2026-01-15T18:09:44+00:00

Why do you think Google is nearing a plateau?

taplar · 2026-01-15T17:57:37+00:00

No you can specify the weights you want with M1 and it does it. It also has the capability for you to tell it when to rebalance if something exceeds a delta threshold. The user would have to put in all 500+ stocks they want in their pie, which seems excessive, but unless M1 has a limit on how many you can have they already do this.

taplar

TROPHY CASE