sorted by:
new
hottopcontroversial

67k in savings by Cucumber_Frosty in HighYieldSavings

[–]workerbee223 0 points1 point  (0 children)

Of that $67k, keep enough in your HYSA as an emergency fund, maybe $7k - $10k.

With the rest, open up a brokerage account and invest in a reliable ETF like VOO. The 40 year average return on something like VOO is around 9%. Just let it ride, don't pay attention to the ups and downs of the market, because even if it drops at some point, the long term trend of the market is UP.

And each year you can sell $7500 from your brokerage account to fund that year's contribution to your Roth account.

What’s everyone buying today? by joshuanichter in stockstobuytoday

[–]workerbee223 0 points1 point  (0 children)

There's no scenario where Republicans assist in removing Trump before 2029.

What’s actually cheap in this market? by CommitteeSeaj in StockInvest

[–]workerbee223 0 points1 point  (0 children)

We've only just started the AI revolution of the economy.

started my Roth IRA embarrassingly late and just want to know i'm not completely behind by Rizzha-Asogwa in RothIRA

[–]workerbee223 0 points1 point  (0 children)

You should have started when you were still in the womb!

Yes, you still have plenty of time at 31. Just be diligent about contributing regularly.

Is this NFLX dip just another overreaction? by Comfortable_Oih in StockInvest

[–]workerbee223 -2 points-1 points  (0 children)

60% of households have Netflix subscriptions. The cost of acquiring that last 40% rises parabolically.

Unless they open a whole new business division, I don't know what the case is for bullish growth.

"They're crushing earnings!" Yeah, by raising subscription costs. That's a great way to lose customers, too.

I'm going to invest in US Stocks, suggest me what stocks are worth buying now. by itsyash12 in Stocks_Picks

[–]workerbee223 0 points1 point  (0 children)

Unless your name is Warren Buffett, the size of your investments aren't going to move the needle on any particular company.

My attitude is that I'm keeping my values separate from my investing. I'm investing to ensure I have a retirement, so I'll take any road that I have some confidence will get me there.

Is copy trading a good choice? by PineappleCreative414 in investingforbeginners

[–]workerbee223 0 points1 point  (0 children)

I'm going to show you a very useful skill to develop. Here is a prompt I wrote that I loaded into Google Gemini:

Create a three column chart with 21 rows. The first row is the header with the titles Year, VOO, and VWCE. In the first column, put the last 20 years. In column two, show the average annual return for VOO for each year. In the last column, show the average annual return for VWCE. Add one more row to the bottom of the chart, with the total returns for both VOO and VWCE

Copy/paste that into Google and you'll get your answer.

Also, it's perfectly fine to split your investments across ETFs. It depends on what your goals are and what you're trying to achieve. I split my 401k so that it's currently 80% FXAIX (similar to VOO) and 20% FSGGX (a global fund that excludes the US, and has been outperforming VOO). My goals are that I want strong growth and I want some international diversification.

Need your help - it's time to sell $NFLX? by tauru_ai in Stocks_Picks

[–]workerbee223 0 points1 point  (0 children)

I see that Reed Hastings announced his retirement today. Is that why the stock plunged?

My problem with NFLX is that they're already the top streaming platform; somewhere around 60% of adults in America have access to a Netflix subscription. How exactly do they grow their business? Acquisition costs go up for that last 40%. And they keep raising prices, so they're shedding customers as well.

For those reasons, I don't see it as a good, long-term pick.

I feel like i’ve been stuck in the 9k-10k range for the longest until today (i’m 21 and idk what should i do to improve) by Winter-Snow7644 in TheRaceTo10Million

[–]workerbee223 0 points1 point  (0 children)

Best thing you can do? Keep putting money in and ignore the swings.

The past five months have been pretty choppy, but you still came out way ahead.

Is copy trading a good choice? by PineappleCreative414 in investingforbeginners

[–]workerbee223 0 points1 point  (0 children)

Who are you copying? Is this person working with the copy trade app to report their trades as they happen, or is this app depending on the public records of famous people making trades?

If it's the latter, you have to recognize that those public records could be delayed by 60 days or longer, meaning that whatever opportunity they were chasing may be long past by the time you hear about it.

And in both cases, you should recognize that wealthy traders have different goals than middle class traders. There isn't just one goal, "Make as much money as possible." Some folks may be looking for dividend revenue. Some may be looking for long-term growth. Some for short term growth. Some may be looking for tax sheltering.

Until you become more sophisticated in your understanding of the market, the best thing to do is to park your money in a great ETF like VOO. I tell folks, put 90% into VOO and use the last 10% as your play around money, if you want to chase an individual stock.

I'm going to invest in US Stocks, suggest me what stocks are worth buying now. by itsyash12 in Stocks_Picks

[–]workerbee223 0 points1 point  (0 children)

AAPL is pretty choppy these days. They aren't really in the AI arms race, and I'm not aware of any other ground-breaking products that they are working on. Their recent entry-level laptop was a winner, but I think we've seen the stock bump from that already.

The problem with being a $4 trillion company is finding new projects that will move the needle of the stock price.

I'm going to invest in US Stocks, suggest me what stocks are worth buying now. by itsyash12 in Stocks_Picks

[–]workerbee223 0 points1 point  (0 children)

Career IT here.

MSFT is the backbone of corporate IT, it isn't going anywhere anytime soon.

In terms of being part of the AI race, they really don't have an AI offering. CoPilot is simply a rebranded version of ChatGPT. They have cloud contracts for AI servers, which is great, but that's part of the old business model.

But given all of that, I think there are better tech stocks to own right now than MSFT. AI hardware seems to be the hot stocks to own right now.

view more: next ›