It’s moronic Monday, your chance to ask any of those lingering questions without fear of harassment.

We encourage all our visitors to ask those investing related questions they were always too afraid to ask.

The members of investing are here to answer and educate!

NOTE If your question is „I have $10,000, what do I do?“ or anything similar. There is no single answer to this question, but we will also need A LOT MORE information if we are to give some sort of answer

  • How old are you?
  • Are you employed/making income? How much?
  • What are your objectives with this money? (buy a house? Retirement savings?)
  • What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
  • What are you current holdings? (Do you already have exposure to specific funds and sectors?)
  • Any other assets? House paid off? Cars? Expensive girlfriend? (not really an asset)
  • What is your time horizon? Do you need this money next month? Next 20yrs?
  • Any big debts?
  • Any other relevant financial information will be useful to give you a proper answer.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions!


Hey guys, I’ve been been invited to final round interviews for an equity research position next week and so have been looking for stocks to pitch as buy/sell recommendations when I’m inevitably asked in the interview.

First, I was wondering if you guys had any advice on this selection process in general? Actually finding and picking stocks is rather new to me and I’ve been a bit overwhelmed by the potential options.

Secondly, I’m struggling to always comprehend where value is derived from/why recommendations are given on certain stocks. For example, I’ve been considering Balfour Beatty, the British construction/infrastructure company, for a sell recommendation based on perpetually negative operating cash flows, declining revenues, and industry-specific issues that make the firm’s ability to make profits incredibly unreliable. However, the analyst opinion (from the FT) seems to be entirely Buy/Hold recommendations – would that then make me look like an idiot to pitch this short during my interview? Just struggling a bit here guys, appreciate any help


25, employed, $65k yearly and set up to make a major move on the career/salary side. Currently maxing out my employer 401k match (a measly 2%) and maxing out my private Roth ira every year. Roth sitting at $56k right now, not sure what the 401k is at but that’s pretty minor. I’m fairly comfortable with my long term plan and have started getting more involved than just coasting along at 13% returns in mutual funds.

My questions are more about trading outside of my tax exempt ira. If I were to open, say, an etrade account, what are the tax implications? For example, say I put 20k on etrade and started playing around with it. If I’ve lost money overall for the year, would I pay any taxes or is every individual winning trade taxed? Do I pay taxes only when I remove the funds from etrade? Am I going to need a professional to do my taxes? Right now taxes are easy, it’s just the income tax with no dependents or property or anything.


I was given a portfolio as a trust fund, which I had no access to or control over for many years. That changed about a month ago. I do not really know what to do with it, but think that some changes might be a good idea. I am soliciting opinions on the distribution, which seems repetitive to me (several similar index funds). I am drawing a line between the given stuff and the things I picked, which were mostly play money. I think the prior manager did a good job, but was no expert.

I am 30, no kids, no house, no debt, several college degrees, trying to figure out a career path. Fairly high risk tolerance, long term investing (I have cash for emergencies lasting 18 months).

FBALX – 2721 FDRXX – 2368 FDSCX – 2199 FDVLX – 127 FMCSX – 2203 FPURX – 1247 FSIVX – 1170 FUSVX – 1448

NVIDA – 25 TCEHY – 62 TWMJF – 32 V – 12 VOOG – 25 AMZN – 3 GOOGL – 5 GWPCX – 313 HOG – 35 AAPL – 25 BRKB – 6


I have a Vanguard brokerage account that currently holds ETFs. I want to buy and hold long on certain stocks, but only on a slight dip (I know this may not be the best strategy). However, it took a week for Vanguard to allow me to use my transferred funds (from savings account) to buy ETFs or stocks last time. Is my only option to transfer a bunch of money in early to Vanguard and wait for the moment to buy? Is there no way to instantly buy using the money already in my bank accounts (primarily Ally)?Thanks!


So is there a reason why I shouldnt try to play HMNY when it dips and shoots back up repeatedly? Like would would it make it hell come tax season, or any other outcome I cant think of?

Also, I realize HMNY is HMNY i m just wondering besides avoiding being labeled a day trader what else should I consider as a negative about the strategy of trying to catch HMNY and other volatile stocks on the dips and rises.


a game release has nothing to do with the companies stock per se.

Only once the sales exceed what investor had thought they would be will there be a value change or if they expect it to be beneficial in the future. Right now, no one who moves the price of the stock doesn’t know that the game is coming nor every single metric about it. So the answer could be yes / no / maybe and you better check the financials of the company and its stock price and recent movements to see what the market expects before you might get burned.

Your question implies you should pay someone to invest for you, as you could as well just randomly choose some stocks and see how it goes instead of tricking yourself into thinking you’ve made an informed decision.

Watching the idea from a behavioral aspect only it might be worth to try but again, could as well choose random stocks by finger pointing.

Don’t want to come of as harsh but it is the truth, i’m sorry.


My mom asked for stocks for Christmas that she can „play with.“ I don’t typically spend more than $100 on her gift, so is there any cheap/free way that I can set her up an account that she can mess around with that won’t get eaten alive by fees? Even if it’s just something that allows a certain amount of free/cheap trades a year, what is my best option for that?



To add to this it depends on what you want to do and what you want your allocation to be.

VTI or SCWB (both broad market USA funds)

The breakdown of both are approx 75% Large cap ; 15% Mid Cap and 5% small cap.

If that fits what you want your allocation to be great, you can buy one fund and just ride it out.

But what if you want to do something like 60% large cap, 20 mid, 20 small because you want more exposure to smaller/mid cap companies…

In this case you probably have to buy 3 funds, a large cap fund (S&P500) , Mid cap fund and small cap.

So there is a reason why they exist

I think its all a discussion about diversification, risk tolerance and time horizon. A single investment in the S&P 500 is not very diverse so it will have relatively high volatility, lots of ups and downs but that isn’t inherently a bad thing. Historically the S&P 500 over long time periods has shown positive gains while there are plenty of short term periods in there with negative gains so if you have a long time horizon and a higher risk tolerance (not phased by the upturns and downturns) then it can make sense. The way to mitigate some risk is to add some assets that are uncorrelated with the S&P 500 so when the S&P is going down something else is going up. Historically bonds and physical assets like gold are uncorrelated to the S&P 500 (lately this has been less true) but they will still have a positive diversification effect to your S&P 500 portfolio. That’s a long answer to say, it could make sense, if you understand the risks and a small level of diversification can mitigate some of the risk.

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