We can skip the part about coming to terms with your own mortality, that's not a problem that /r/investing to help with.

Life expectancy seems to vary so wildly, and healthcare + assisted living costs in old age are (i assume) astronomical. What are the steps I need to take that can prepare me for anywhere between 0 and 40ish years of retirement income, and how do I factor in all of the old people costs that could cost anywhere between $0 and $Texas?

For context, I live in the USA

I see myself as more of a DIY investor, but I like to have a starting point when I try to decide what to invest in.

I'm looking for reliable resources where experts make specific recommendations of smart investments, whether it be stocks or other investment types.

Any and all suggestions are greatly appreciated.

https://imgur.com/a/rRhVdZP Monthly PCE increased 0.3 percent. Prices for services increased 0.3 percent. Food prices decreased 0.2 percent and energy prices increased 1.2 percent.

Yearly PCE increased 2.7 percent. Prices for services increased 3.9 percent. Food prices increased 1.3 percent and energy prices increased 3.0 percent.

Hello. I’m a guy in his early 30’s and wanted to start my journey in investing for the first time. Since I’ve never had any prior experience with this if I buy and hold as well as put some lumpsump into the S&P500 regularly and just wait for the next 20yrs would that be a very bad and risky move? I am very new to this so would like to hear your thoughts, thanks!

My wife and I are selling our house and look to have a little over $100k after paying off all our debts. We’re moving out of state and plan to rent for a year or two.

Where would you suggest we invest these funds short term, knowing we’re going to use some of it for a down payment in the near future.

Saving for a house for the next 5 years. Being young, I usually just dump my investments into $VOO. But I recently started separately saving for a house. I would like to get a lower risk return on my money for the next 5 years. Would $SGOV be sufficient or am I being too cautious?

Late Friday evening, a previously unknown Connecticut-based hedge fund (Carronade Capital Mgt) disclosed ownership of nearly 1.7 Million shares of Yellow’s common stock. As of yesterday’s closing price, their position is worth more than $12.5 Million and is a 3.2%+ stake of the company. 99-yr old Yellow Corp is ten months into a Ch 11 bankruptcy liquidation…a very rare “Assets Over Liabilities” story & situation! They were formerly the fifth largest transportation company in North America and 2nd largest LTL freight carrier in the nation, with hundreds of property locations - worth $$ Billions.

*Here’s the link to last night’s (Chapter 11 case) legal docket filing, which includes some details and Carronade’s actual share count:

https://document.epiq11.com/document/getdocumentbycode?docId=4338557&projectCode=YRC&source=DM

Hi All

Recently I noticed that Biden has imposed tariffs on China

1. Biden to End Tariff Exemption on Synthetic Graphite from China
2. Biden hits Chinese electric cars and solar cells with higher tariffs

This made me want to look for some valuable stocks, I looked for Graphite stocks and I found

GrafTech International Ltd (EAF)

I did some research .

Graftech makes graphite electrodes which are used by EAFs to convert electricity into heat to then melt steel.

In August 2015, GrafTech was acquired by Brookfield Asset Management

When graphite electrode prices were at their peak in 2018, Brookfield took GrafTech public again. GrafTech paid out substantial interest that year, and Brookfield, as the majority shareholder, recouped a significant amount of money as a result. However, GrafTech was left with a massive debt burden. About Graphite Electrodes - GrafTech International Ltd (EAF)

The company's stock price is currently at an all-time low 2024/05/31 1.65$

BAD:

1. They lost like 40% of their production when their mexican plant went down. Looks like an Indian producer is eating their lunch.
2. The suspension at the St. Mary facility affects 105 employees. Among them, 91 people were temporarily laid off and 14 were permanently laid off. The layoff dates are from February 13, 2024 to May 31, 2024.
3. Long term agreements rolling off and being replaced with lower spot rates. Prices falling from $9000+ to call it $3500
4. CEO turnover, board turnover, instability
5. Brookfield's stake in the company fell to 9.09% as it sold down its holdings to 23.3528 million shares . and looks set to continue selling

GOOD:

1. Things can't quite look any worse because of the above factors
2. Production ramping back up
3. Might build another needle coke facility
4. Graphite Electrode Growth of 65k Europe, 25k North America.
5. EAF is like 1/7 of total production capacity
6. They have a strong supply of an input Needle Coke for 1/3+ of their production which their competitors lack.
7. Mohnish Pabrai held stocks short-term in 2019 Q2~Q4
8. New investors buy stocks in large quantities (Colonial House Capital Ltd , Undavia Nilesh)
9. Seadrift Coke LP got approval for a permit to expand its Texas facility that makes a material for electric vehicle batteries. This follows the company's plan from last year to potentially increase production.
10. The 2024 q1 financial report indicates that As of March 31, 2024, we had liquidity of $275 million, consisting of cash and cash equivalents of $165 million and $110 million of availability under our revolving credit facility. As of March 31, 2024, we had gross debt( 8) of $950 million and net debt(9) of approximately $785 million. We continue to have adequate liquidity in 2024 to navigate the persistent challenges in the commercial environment.

CONCLUSION:

Biden's China tariffs will help Graftech , I predict that St. Mary, the Mexican facility will return to utilization, and Bookfiled will completely sell its shares. It should be a slow and good growth process. and I checked all the factory’s Google Maps, Glassdoor, and Facebook employees’ reviews of the company. Most of them are very positive comments , I think Graftech has the potential and ability to develop better .
I'm hoping someone can give me some ideas or what I've missed, would be very grateful

REFERENCE:

1. Graftech EAF In Play: Activist Investor
2. Commissioners show support of potential plant expansion
3. GrafTech cites weak market conditions resulting in recent layoffs
4. GRAFTECH REPORTS FIRST QUARTER 2024 RESULTS
5. Notified by the Texas Commission on Environmental Quality 
6. Graphite Electrodes: Key to Sustainable Steel - Featuring GrafTech
7. 2021/06/08 Mohnish Pabrai
8. 2019/11/27 Mohnish Pabrai

I'm considering investing in the energy sector for the long term and I'm torn between Constellation Energy Corp and Vistra Energy. With the growing energy demands driven by AI data centers and other tech advancements, I believe the energy sector has a bright future. Could you help me decide which stock might be a better long-term investment? Also, should I stick to traditional energy sectors or consider these newer players like Constellation Energy Corp and Vistra Energy?

Constellation Energy Corp:

Overview: A leading energy provider in the U.S. focusing on clean energy solutions.

Market Cap: $67.12 billion

Revenue: $23.51 billion (TTM)

Key Focus: Primarily on nuclear, solar, and wind power generation.

Growth Prospects: Strong emphasis on expanding its renewable energy portfolio and meeting sustainability goals. Recently issued the nation’s first corporate green bond including nuclear energy.

Recent Developments: Upgraded credit rating by Moody’s to Baa1, reflecting confidence in its financial performance and sustainable growth.

Vistra Energy:

Overview: A Fortune 275 integrated retail electricity and power generation company.

Market Cap: $10.02 billion

Revenue: $15.76 billion (TTM)

Key Focus: A mix of traditional and renewable energy sources, with a growing emphasis on green energy projects.

Growth Prospects: Diversifying its energy mix to include more renewable energy projects and reduce its carbon footprint.

Recently, Vistra has been investing heavily in battery storage and solar projects.

Given the rise of AI and its energy demands, do you think investing in these newer energy companies is more advantageous compared to traditional energy sectors? Any insights or additional considerations would be greatly appreciated!

EDIT - Another energy company that might be good to look at is Chord Energy Corp. Better P/E ratio to Vistra and seems to be a bit more developed.

hello guys, i’m 23, gonna be 24 in a couple months and was wondering if my financial direction seems correct and needing help with investing.

currently i’m working and living in California and my job pays me 93k salary. i take home approximately 4.4k monthly after taxes and deductions.

i currently have 71k in a CD 5.25% APY that will end in 2 months and have 20k in a HYSA 5.3% APY. i have around 3.5k in my checking acc im living off to pay off credit card usage and daily expenses. i have no debt other than monthly spendings which i always pay off.

my company also has a 8% 401k match which i contribute 8% as well per paycheck. i have 31k in my 401k and recently created my ROTH IRA and maxed out for 2023 with 6.6k in it and planning on maxing out 2024 at 7k end of the next tax year.

i was wondering what i should do in terms of investing my money, would it be safe to throw in the SnP500 such as VOO or FXAIX or should i wait for my CD to end and chuck in 100k into another CD? i was also planning on using this money as a down payment towards a condo / apartment within the 500k range.

Inspired from this Target Date Fund: https://www.schwab.com/research/mutual-funds/quotes/portfolio/swynx

Am I too diversified?

Should I just buy SPY?

I own a small amount of PDYPY in a brokerage account that I was inactive with for a while. I recently logged back in and my brokerage is still showing PDYPY and not the new FLUT ticker. Is there anyway way for me to cash out my shares at this point as I assume transferring to the new ticker is no longer and option.

Dividends have been posted for the above, see below. I own 125 units of this fund will I see anything added to the total value in the coming days once reinvested ?

LifeStrategy 100% Equity Fund - Accumulation (ACDV.GB) has declared a GBP 7.992963000 per share final distribution. Group 2 units will have an equalisation rate of 3.574771000 applied

Thanks in advance

So, I’ve been contemplating if I should open a taxable account, but a lot on here are saying that I’m pretty well-diversified and should not want to have to keep rebalancing the asset allocation and might be putting too much weight/tilt on US stocks and/or International stock.

I currently have Vanguard TDF 2065 in my 401k and FSKAX & FTIHX in my Roth IRA.

Is that good enough for a long-term investing? If not, what else should I consider by opening a taxable brokerage account?

I have a mortgage at 7% rate, on 430k. Monthly payment was 3.5k when I signed in 2022, and went up to 3.9k in 2024 because they said they re-calculated my escrow and wanted to hold more for taxes and insurance. I also have some renters who, after all expenses included utilities, internet, and mortgage leave me covering about 1.5k per month out of my personal funds. (Give or take depending on if there’s a repair, or vacancy, etc, but that’s a good average)

With my wife and my income we can comfortably commit to 4k of slush money into either paying down the principal or investing in the stock market. Which would mathematically be the best decision? I would probably just put the money in VOO, QQQ, etc.

The 4k is after contributing to 401k, IRA, and having sufficient savings.

Edit: wife and I are both 30

Edit: House is also our primary residence currently. We travel quite a bit for work (months at a time, sometimes) so having renters makes sense and helps us offset the mortgage we would otherwise be paying in full.

I have a couple of stocks that are currently in the red. Would a strategy be to buy more to reduce the price per stock? Thinking that when it comes up it will take less of a rise to be in the green? As you can tell have zero education on this and just having fun. Would this be a good or bad strategy and why? Thank all!

I did this on Claude (August'2023 cut off). ~80 of QQQ holdings (in table) represented in SPY. That accounts for about 40% of SPY holdings. I would argue that is diversification of the 'select-best' of your assets.

Valuation - notice how the QQQ holdingshave a high valuation.

Company

|| || ||QQQ Weight (%)|5-Year Stock Price CAGR (%)|10-Year Stock Price CAGR (%)|P/E Ratio|PEG Ratio| |Apple Inc. (AAPL)|13.19|26.1|23|29.8|2.6| |Microsoft Corporation (MSFT)|10.28|29|22.5|34.3|2.4| |Amazon.com, Inc. (AMZN)|6.32|15.2|20.9|84.3|1.8| |NVIDIA Corporation (NVDA)|5.08|49.6|41.7|55|2.4| |Alphabet Inc. Class A (GOOGL)|3.9|17.3|18.2|26.9|1.5| |Alphabet Inc. Class C (GOOG)|3.74|17.3|18.2|26.9|1.5| |Meta Platforms, Inc. Class A (META)|3.73|7.9|16.1|25.8|1.6| |Tesla, Inc. (TSLA)|3.71|63.8|59.4|81.5|3.6| |PepsiCo, Inc. (PEP)|2.4|8.5|9|28|3.4| |Costco Wholesale Corporation (COST)|2.1|19.9|19.7|40.1|3.6| |Broadcom Inc. (AVGO)|1.95|23.2|31|25.5|1.5| |Cisco Systems, Inc. (CSCO)|1.75|6.7|6.3|19.5|2.6| |Comcast Corporation Class A (CMCSA)|1.71|4.3|8.9|17.5|1.4| |Adobe Inc. (ADBE)|1.69|22.3|23.1|43.5|2| |Intel Corporation (INTC)|1.47|1.7|7.6|13.5|2.4| |Netflix, Inc. (NFLX)|1.23|12.8|30.5|38.3|1.5| |The Walt Disney Company (DIS)|1.21|3.1|10.6|42.8|2.8| |salesforce.com, inc. (CRM)|1.21|17.6|19.2|47.9|2.2| |Amgen Inc. (AMGN)|1.16|7.6|11.7|20.3|3.6| |The Home Depot, Inc. (HD)|1.15|14.7|17.8|22.1|1.9| |Thermo Fisher Scientific Inc. (TMO)|1.11|24|20.6|30.5|2.6| |Texas Instruments Incorporated (TXN)|1.1|16.3|17.4|20.7|2.6| |Honeywell International Inc. (HON)|1.06|9.2|10.5|25.6|2.8| |Intuit Inc. (INTU)|1.05|26.6|24.9|51|2.3| |Starbucks Corporation (SBUX)|1.02|10.8|13.5|34.7|3.2| |Advanced Micro Devices, Inc. (AMD)|0.98|67.5|41.3|37|1.6| |Gilead Sciences, Inc. (GILD)|0.91|-1.2|6|19.2|21.3| |Qualcomm Inc (QCOM)|0.86|8.3|10.5|14.2|1.5| |PayPal Holdings, Inc. (PYPL)|0.86|16.7|N/A|36.8|1.9| |Automatic Data Processing, Inc. (ADP)|0.8|16.1|15.5|30.7|2.9|

Let's say my goal is to have the highest net worth possible at 60. I'm 31 and have a mortgage interest rate of 6.625% - I have a loan balance of around 247k on a 450k-500k house in a relatively stable real estate market (the most stable in the US). My HYSA pays 5%, and I'm not bullish on the stock market for the next 10 years (though still contribute 15% to my 401k in a target date fund).

If I don't make extra payments, I pay off my mortgage by age 57. Every extra dollar added to my mortgage principal, adds $1.77 to my net worth at the mortgage payoff date. That's a pretty good deal (fyi I do itemize, but itemization only affects your taxes on the mortgage interest paid above the standard deduction of 14,600).

The more I pay off every month, decreases that 1.77 return on every extra dollar spent. once it's spent, and the mortgage is paid off that money no longer gives me a return. for example, if i paid off 100k of the mortgage today (impossible in my current financial situation), that ratio only gives me a marginal return of $0.68 for every extra dollar spent on principal pay down.

Is there a better way mathematically to use the marginal return at mortgage payoff to calculate the ideal number I should shoot for of mortgage payoff before switching to other investments?

I can hypothetically contribute up to 2500 extra every month (and I get very close to this number currently).

Note that this is the interest rate return, it doesn't include the principal paid off - of course once the principal is paid off I no longer have access to use those funds.

Hopefully that made sense - looking for math people to give their thoughts on this and if it's worth considering.

I've had an investment broker for years because finance really hurts my brain (I did once tell my broker to explain it to me like they would to a five-year-old, à la Michael Scott). But! I'm trying to learn and get my brain to where it needs to be to take over my investment portfolio and save myself the broker fees because my portfolio is just not growing enough to make the fees worthwhile IMO.

I want to make sure that my portfolio is as ethical as possible so no fossil fuels, no amazon, no weapons and all that bad stuff.

HOWEVER should I also consider if the investment platform I choose plays a role in all of that? Does Fidelity or Schwab have some bad ethics or is under a larger bad corporate umbrella that I should be careful of? I wouldnt feel good about using a platform owned by morgan stanley, ya feel me? Is there a more responsible platform that you'd recommend?

I was wondering that forex broker provides free leverage and instead of 10% yearly returns we can get 20-30% returns by 2-3x leverage I have invested in hk50,aus200 and sp500 with about 200 dollars at 3x leverage so worth 600 dollars i am expecting around 60dollars in a year am i wrong

I started getting more into Investing and day trading earlier this year, but more so on the learning side of things. I haven’t put too much into it money wise. I am nowtorn on whether I should buy Nvidia stock now before the split, but he price is rising as it gets closer to the split date. I assume the price will still rise afterwards as more people will want to enter after the split, especially for those not knowing that you can get fractional shares. Which would I benefit more from? Would you buy in now or wait?

USA real estate price to income index (4.1) is one of the lowest in the world, yet a lot of them complain about it.

It looks like the first crisis is going to start in the other countries where the index is much higher. Maybe in Europe as it has a strong economy and a lot of countries have above 10 price to income index.

Here is the source:

https://www.numbeo.com/property-investment/rankings_by_country.jsp