Stock Market, Business, and Investing General - News, Tips, etc

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Chinese stocks are in the gutter since the financial reports came out in February and many companies got ST'd (IOW, de-listing probation).

State council came out with new regulations of buying publicly traded companies and then using it as a "shell" to put other industries unrelated to it in. Previously that was the method of getting stuff that could trade well into the market since IPOs* are hard in China.


*IPOs in China are finicky in that the state tells when you can or cannot open the registration window, and aside from the frequently random retard jumps out to blackmail you so you don't get IPO'd shenanigans, there is much voodo magic to your processing time and a hard cut-off/opening that nobody but the folks up in the state council really know when will it open or close.
 
reminder that unless you are broke, homeless, and starving you have zero reason to sell a stock that is down
diamond hands until the country finally collapses into civil war then stocks will be the least of your worries
 
Bitcoin has a good day today. Been slowly throwing in cash into $ARKB over the past month buying the dip as it steps down. I got a few thousand more dollars to keep trickling it in further.
 
DrakosBiz said:
Bitcoin has a good day today. Been slowly throwing in cash into $ARKB over the past month buying the dip as it steps down. I got a few thousand more dollars to keep trickling it in further.
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My gift from Robinhood during Christmas is only down 22.78%. Totally back bros
 
Intel® Core™2 Duo E8400 said:
Hello I am a master investor, I sold the following during the little economic burp way back in Feb-Apr 2025:
- NVDA at $115
- TSM at $190
- ASML at $730

Just doing my taxes, looking over the statement I got and oh damn, I just cannot make a good decision ever. Invested for like 3 months, got to my first downturn (from at the time top DOW SP500 ever) and panic sold and checked out like a FUCKING MORON.

Please don't be like me

It looked scary at the time, but it looks so fucking silly and insignificant now. The line only goes up, GROW SOME BALLS AND WAIT
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Yep. Create a solid plan for long-term investment and stick with it. When in doubt, just stash it in a S&P500 ETF or index fund.

The people who think everything will collapse tomorrow are morons. Broken clocks are more correct on average than zero hedge. Numbnuts like Ray Dalio have been predicting doom for years. Every day we are in uncharted waters by default. Today will be different than yesterday as will be tomorrow.

I’ve been investing for almost 20 years now. First I maxed out all my tax advantaged accounts when I got out of college and at this point the I’m well past financial independence. Not bragging, it just legitimately takes time and patience. I never timed the market and other than a little fun money here and there I never bothered with crypto bullshit. I realized from day one that I’ll never be able to time the markets so I won’t.
 
The Hardest R said:
Yep. Create a solid plan for long-term investment and stick with it. When in doubt, just stash it in a S&P500 ETF or index fund.

The people who think everything will collapse tomorrow are morons. Broken clocks are more correct on average than zero hedge. Numbnuts like Ray Dalio have been predicting doom for years. Every day we are in uncharted waters by default. Today will be different than yesterday as will be tomorrow.

I’ve been investing for almost 20 years now. First I maxed out all my tax advantaged accounts when I got out of college and at this point the I’m well past financial independence. Not bragging, it just legitimately takes time and patience. I never timed the market and other than a little fun money here and there I never bothered with crypto bullshit. I realized from day one that I’ll never be able to time the markets so I won’t.
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Following on this. There will be a crash. And there will be another crash after that and another and another. That is just a fact of the market and human psychology and we aren't fixing either any time soon.

Most people are going to lose far more money trying to save themselves from a hypothetical future crash than they will lose just riding it out. Even once you hit retirement, you still have decades of investing left.
 
FlappyBat said:
Following on this. There will be a crash. And there will be another crash after that and another and another. That is just a fact of the market and human psychology and we aren't fixing either any time soon.

Most people are going to lose far more money trying to save themselves from a hypothetical future crash than they will lose just riding it out. Even once you hit retirement, you still have decades of investing left.
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"Far more money has been lost anticipating crashes than has been lost in the actual crashes" - (paraphrased) Peter Lynch, the GOAT mutual fund manager
 
Oh no, it begins? Another Morgage sector collapse ? Original and archive
MFS, based in London's Mayfair, described itself as a specialist provider of buy-to-let mortgage lending and bridging finance, with net assets of 15.9 million pounds and 149 employees as of December 31 2024, according to its most recently filed accounts.
MFS creditors Amber Bridging Limited and Zircon Bridging Limited had separately filed for an administration order against MFS, court documents dated February 24 and reviewed by Reuters show, citing "real and serious concerns about the mismanagement of the company" and entities in its wider MFS Group.
Amber Bridging and Zircon Bridging, cited as creditors of MFS in the court documents, said there were irregularities in payments due to their accounts and applied for independent administrators to be appointed.
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The FTSE 100 bank is said to have an exposure of £600 million to Market Financial Solutions, which entered administration after a High Court judge said “very serious” allegations of fraud needed to be investigated, prompting the latest source of alarm about the private credit industry. Jefferies has a reported exposure of £100 million.

Market Financial Solutions, a provider of bridging loans and buy-to-let mortgages, applied to enter a form of insolvency earlier this week, citing an unexpected banking issue which led to a restriction on its facilities.
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600 million pounds... Wew that's a deathfat carcass for real.

Of course, founder is a jeet (archive). Some say he fled to Dubai (please archive, not working for me).
Paresh Raja, its founder, said at the time the measure did “not reflect a failure of the underlying business or the quality of our assets, but rather a technical and procedural impasse that has temporarily limited our access to everyday banking facilities”.
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reach.

Market Financial Solutions (MFS), a UK bridging lender with a £2.4 billion loan book and over £2 billion in institutional funding lines, just became the third chapter in that story. The CEO has reportedly fled to Dubai. The judge cited evidence of double-pledging. And the list of exposed lenders reads like a who’s who of structured finance: Barclays, Apollo’s Atlas SP, Castlelake, Santander, Jefferies, and Wells Fargo.
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Anyways... Suffer bankers, suffah (That will never happen without a revolution)!
 
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FlappyBat said:
Following on this. There will be a crash. And there will be another crash after that and another and another. That is just a fact of the market and human psychology and we aren't fixing either any time soon.

Most people are going to lose far more money trying to save themselves from a hypothetical future crash than they will lose just riding it out. Even once you hit retirement, you still have decades of investing left.
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There is a corollary to this which is important - if you have fucking won take money off the goddamn table! There is no need to have millions 100% invested in TSLA when you only need millions to live the rest of your fat fucking life on this godforsaken hellhole. Sell your shit, get raped by the taxman, and fuck off and do something useful with your life!

It's fucking depressing seeing so many variations of posts that boil down to "I'm 70 years old, still working, and have fifty million dollars, how do I retire?" posted to bogleheads and shit.

If you don't enjoy your wealth while alive your kids or heirs or government will ravish it when you're dead.
 
reptile baht spaniard rid said:
There is a corollary to this which is important - if you have fucking won take money off the goddamn table! There is no need to have millions 100% invested in TSLA when you only need millions to live the rest of your fat fucking life on this godforsaken hellhole. Sell your shit, get raped by the taxman, and fuck off and do something useful with your life!

It's fucking depressing seeing so many variations of posts that boil down to "I'm 70 years old, still working, and have fifty million dollars, how do I retire?" posted to bogleheads and shit.

If you don't enjoy your wealth while alive your kids or heirs or government will ravish it when you're dead.
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I don't like picking stocks in general, so I think 100% tsla is crazy regardless. I'm also a hypocrite (not tsla specifically), but am working on evening things out.

More generally on stocks (heavily diversified index funds) vs bonds, you have to have your money somewhere. I think people under estimate the risk of bonds and bills since we've been in a falling interest rate environment for the last 40 years and have only bottomed out in the last few. Falling interest rates means bonds you hold have capital appreciation if you sell them off early, as almost all bond funds do. And money in money market funds, which if you're holding large amounts of cash it should be in, are just very short term bonds funds.

That and people look at nominal values of their investments not real. So when bonds lose 20% since 2021 in real dollars (Vanguard's total market bond fund) it doesn't feel as bad as equities fluctuating but generally going up. That's absolutely a cherrypicked start date, but it was certainly rough if you were holding a significant amount of bonds.

People absolutely need to adjust their portfolio make up as their needs change. But moving to 100% bonds means you are 100% exposed to inflation risk and interest rate change risk unless you're doing a bond ladder and stick to it perfectly.

Having some mix of bonds and equities is probably the right choice for most people even once they get "enough" instead of fully walking away from stocks. Market risk isn't your only risk and the risk of you suddenly needing more (for example getting injured or needing long-term care earlier than you planned) is a very real one as well.

Buy yes, work until 70 with millions in the bank if you enjoy it not because of some panic and misunderstanding of risk.
 
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reptile baht spaniard rid said:
There is a corollary to this which is important - if you have fucking won take money off the goddamn table! There is no need to have millions 100% invested in TSLA when you only need millions to live the rest of your fat fucking life on this godforsaken hellhole. Sell your shit, get raped by the taxman, and fuck off and do something useful with your life!

It's fucking depressing seeing so many variations of posts that boil down to "I'm 70 years old, still working, and have fifty million dollars, how do I retire?" posted to bogleheads and shit.

If you don't enjoy your wealth while alive your kids or heirs or government will ravish it when you're dead.
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Great advice, Reptile. And yeah some of the Bogleheads annoy me too, lol.

Back when I was still pretty new to individual stocks, one adage I read was if your position doubles from what you paid for it, sell half. This way you get your initial investment back and the rest is playing with "House Money". It's not perfect, and it still requires deciding later when to sell the rest. But at least it's a start, and it gets the new investor thinking about Exit Strategies. And not just for success -- one also needs to think about when to dump a dud.

Some things to consider -- for both winners and losers:
  • Does this stock still make sense for my overall goals and portfolio?
  • Is the position overweight relative to my portfolio? (Trim it!)
  • Do I expect continued growth, and if so, why? (Evidence, not just feelings!)
  • Could my money be better invested in something else? (Again, with evidence not feelings.)
  • Do I need the cash for something important? (house, new car, kids' education, etc.)
I've used all of the above at some point. Sometimes wish I'd stayed in longer, sometimes glad I got out when I did. I've sold clunkers that went on to regain all-time highs a year later, and some that continued plunging further and never recovered. I've sold winners that went on to make tremendous gains after I was out, and others that were near a major peak and never got that high again.

Always remember: NO ONE EVER WENT BROKE TAKING PROFITS ON WINNERS

Investing in individual stocks is always more complicated than nice, easy index funds. A stock can go to zero (or close to it) almost overnight. Just ask anyone who was in bank stocks back in 2008, or Enron and WorldCom in the early 2000's, or Pets.com in the 90's. That's almost unthinkable with a broad index like an S&P 500 fund. If that ever goes to zero, we have much bigger things to worry about.
 
FlappyBat said:
But moving to 100% bonds means you are 100% exposed to inflation risk and interest rate change risk unless you're doing a bond ladder and stick to it perfectly.
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Yeah, at that point you're looking at TIPS and other shit to try to deal with second/third order risks - though I've often thought that there are other ways to insulate yourself from interest rape risk without going insane chasing TIPS ladders.

But at the end of the day it's all about why are you investing and what your goal is - if you don't have it defined you'll never reach it.
 
reptile baht spaniard rid said:
Yeah, at that point you're looking at TIPS and other shit to try to deal with second/third order risks - though I've often thought that there are other ways to insulate yourself from interest rape risk without going insane chasing TIPS ladders.

But at the end of the day it's all about why are you investing and what your goal is - if you don't have it defined you'll never reach it.
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Absolutely agree. On TIPS, they just fuck you so hard on taxes. I was getting autistic enough as it was so I didn't want to sperg more about them. If you don't have them in some retirement fund, you are paying income tax on the coupon payment plus income tax on the adjustments they make to your principal for inflation. You are just working so hard against the tax code at that point it makes things very painful.
 
I always learned that bonds do not have the goal to make you money but are there to secure your money since the valuation is far less likely to change compared to stocks
 
Quindoll said:
I always learned that bonds do not have the goal to make you money but are there to secure your money since the valuation is far less likely to change compared to stocks
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That's what people think (and the simplistic viewpoint it kinda works when discussing ass allocation) - but if you don't understand how the price of a 30 year bond is affected by interest rates dropping (or rising) you are going to be in for a BIG surprise (and fucked).

Search the bogleheads forum around the time rates went from 2% to 5% and there are tons and tons of people freaking the absolute fuck out. Even those with TIPS ladders and shit were losing their heads, because the nominal value had changed so much.

And yeah, TIPS in taxable is doublerape and being taxed on inflation fucking sucks
 
reptile baht spaniard rid said:
That's what people think (and the simplistic viewpoint it kinda works when discussing ass allocation) - but if you don't understand how the price of a 30 year bond is affected by interest rates dropping (or rising) you are going to be in for a BIG surprise (and fucked).

Search the bogleheads forum around the time rates went from 2% to 5% and there are tons and tons of people freaking the absolute fuck out. Even those with TIPS ladders and shit were losing their heads, because the nominal value had changed so much.

And yeah, TIPS in taxable is doublerape and being taxed on inflation fucking sucks
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I think that is kinda dumb. I just see it as not sticking with bonds as a more safe asset. No it has to gain the max return therefore they went for the 30 year bonds. Kinda amusing. I will have to choose one soon. I currently am looking at short to medium government bonds. Meaning 3-8 years. Average around 5 years.
 
It's worth studying until you understand how a bond fund and a bond ladder can end up being the same thing (depending on the variables) - too many people get wrapped up in the numbers and lose sight of what's going on and end up buying something they didn't really want (or need).

And chasing yield is how you blow up every time.
 
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