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[Ghostface Trillah]

To add on to #3.....what you think about shares post? They got that 100 fund where they allow you to invest with $2500 even if you're not accredited. I guess thats a way for a regular person to invest in private companies?

I stay away from any type of "fund" personally outside of the DIA. Funds can cripple themselves easily.

The reason that private companies use venture capitalist is because investing in a startup means two things.

1.You have to have money to lose. People love to talk about the "unicorn stocks" but never the companies that don't ever get off the ground. Lyft is the the most popular company to go public recently. Lyft has multiple years of operating at a loss. That's all venture capitalist money.

2. You don't need the money anytime soon. Accredited Investor is a sham designed to keep the rich rich but disguised as protection for the poor. Anyone who makes over 250k is considered an "accredited investor"...Anyone. No training,no experience,no research nothing. If a garbage man made 250k he'd be considered an "accredited investor" but a financial analyst who only makes 60k can't be. It's sold as "protecting the poor" but if you walked in a casino and put everything you owned on a blackjack table no one would "protect" you. Anyway, when you invest in a private company you won't see a return if you do see a return until way down the line in what they call the exit stage(IPO day). A venture capitalist told me once that it's like giving a 10 year old a loan that they won't be able to pay back until they graduate high school. If you want to exit early shares post has to find someone to buy your shares. If they don't then you're stuck. So it's not recommended for anyone who might need an early exit or quick cash at some point

 

[10bandz]

I stay away from any type of "fund" personally outside of the DIA. Funds can cripple themselves easily.

The reason that private companies use venture capitalist is because investing in a startup means two things.

1.You have to have money to lose. People love to talk about the "unicorn stocks" but never the companies that don't ever get off the ground. Lyft is the the most popular company to go public recently. Lyft has multiple years of operating at a loss. That's all venture capitalist money.

2. You don't need the money anytime soon. Accredited Investor is a sham designed to keep the rich rich but disguised as protection for the poor. Anyone who makes over 250k is considered an "accredited investor"...Anyone. No training,no experience,no research nothing. If a garbage man made 250k he'd be considered an "accredited investor" but a financial analyst who only makes 60k can't be. It's sold as "protecting the poor" but if you walked in a casino and put everything you owned on a blackjack table no one would "protect" you. Anyway, when you invest in a private company you won't see a return if you do see a return until way down the line in what they call the exit stage(IPO day). A venture capitalist told me once that it's like giving a 10 year old a loan that they won't be able to pay back until they graduate high school. If you want to exit early shares post has to find someone to buy your shares. If they don't then you're stuck. So it's not recommended for anyone who might need an early exit or quick cash at some point

thanks breh. repped

 

[Ghostface Trillah]

thanks breh. repped

I stay away from funds because they're considered the lazy mans way of investing. As it was explained to me,say you have a ETF fund thats all retail stores. (Amazon,Sears,Walmart,Macy's,JC Pennys,etc.) You have amazon and walmart killing it one hand but you have Sears and JC Penny dragging down any profits you would have made so what was the point of it all.

If its a mutual fund it'll usually be full of low growth, low dividend stocks that will give you a penny here,a nickel there which is cool until you see the maintenance fee which usually wipes out most of what the the dividend gave you. You put in $1000 and months later you have $1004. Way better ways to invest.

 

[Responsible Allen Iverson]

best stocks to get into for a newbie, I dumped a lil bit of money into the crypto hyped and loss a lot

If you're a "newbie" and you've already lost money, you need to read the books that are in this thread before you invest again: Brass Knuckle Finance (How to get out of debt, invest your money, and start a business)

 

[winb83]

sub

 

[winb83]

I stay away from funds because they're considered the lazy mans way of investing. As it was explained to me,say you have a ETF fund thats all retail stores. (Amazon,Sears,Walmart,Macy's,JC Pennys,etc.) You have amazon and walmart killing it one hand but you have Sears and JC Penny dragging down any profits you would have made so what was the point of it all.

If its a mutual fund it'll usually be full of low growth, low dividend stocks that will give you a penny here,a nickel there which is cool until you see the maintenance fee which usually wipes out most of what the the dividend gave you. You put in $1000 and months later you have $1004. Way better ways to invest.

An ETF that follows the S&P 500 passively will probably beat out most people's portfolios though. It's not lazy it's just an admission that you have very poor odds to pick a group of stocks that beats out the market.

 

[Ghostface Trillah]

An ETF that follows the S&P 500 passively will probably beat out most people's portfolios though. It's not lazy it's just an admission that you have very poor odds to pick a group of stocks that beats out the market.

It's lazy because people who don't want to do research on companies and just buy off name and the assumption that these companies are doing great pay people to manage them for them.

The majority of ETFs you could just put that money in a high interest rate savings account or CD and make out the same way over the same time.

 

[winb83]

It's lazy because people who don't want to do research on companies and just buy off name and the assumption that these companies are doing great pay people to manage them for them.

The majority of ETFs you could just put that money in a high interest rate savings account or CD and make out the same way over the same time.

You aren't gonna get 7-12% return on investment over the same time in a high interest savings account or CD. Even actively managed index funds by people paid to run them don't typically beat out the market over the same span consistently. The best bet for the majority of people is a passively managed index fund or ETF that follows the market or a section of it like the S&P 500.

It's not even about being lazy it's about the basic requirement in order to beat the market as a whole you're gonna have to take risk. All the research in the world isn't going to guarantee a risk pays off. A passive fund doesn't beat the market but it gives you the market's return and minimizes your risk.

I'm not currently invested in any funds or ETFs right now but I probably will get back into them when the market corrects. Personally I just think it's more fun to invest in individual companies and follow my results than it is to just invest in an ETF.

 

[Ghostface Trillah]

You aren't gonna get 7-12% return on investment over the same time in a high interest savings account or CD. Even actively managed index funds by people paid to run them don't typically beat out the market over the same span consistently. The best bet for the majority of people is a passively managed index fund or ETF that follows the market or a section of it like the S&P 500.

It's not even about being lazy it's about the basic requirement in order to beat the market as a whole you're gonna have to take risk. All the research in the world isn't going to guarantee a risk pays off. A passive fund doesn't beat the market but it gives you the market's return and minimizes your risk.

I'm not currently invested in any funds or ETFs right now but I probably will get back into them when the market corrects. Personally I just think it's more fun to invest in individual companies and follow my results than it is to just invest in an ETF.

Yeah but you run the risk of a tanking killing that ROI though. A Trump tweet can put you back to square one any random day of the week.

 

[winb83]

Yeah but you run the risk of a tanking killing that ROI though. A Trump tweet can put you back to square one any random day of the week.

In the short term. In the long term the markets in general typically recover. The markets are higher now than they were during the crash of 07-09. If you kept your investments through that crash or even added to them you've made money overall not lost it.

 

[ViShawn]

Is there a stock hold period for dividend stocks in which you are eligible for the dividends? Looks like with Verizon dividend schedule is for April 09, 2019 and they will distribute dividends on the beginning of May.

 

[Responsible Allen Iverson]

Is there a stock hold period for dividend stocks in which you are eligible for the dividends? Looks like with Verizon dividend schedule is for April 09, 2019 and they will distribute dividends on the beginning of May.

Ex-dividend date - Wikipedia

 

[ViShawn]

Ex-dividend date - Wikipedia

Thanks! I'm thinking of selling some of my RSUs with the company I work for and putting them into VZ for the dividends. I frankly think Verizon is really high right now but I think for a long term stock it's great. The 5G potential will probably make the stock more valuable in the long run also.

 

[Ghostface Trillah]

Thanks! I'm thinking of selling some of my RSUs with the company I work for and putting them into VZ for the dividends. I frankly think Verizon is really high right now but I think for a long term stock it's great. The 5G potential will probably make the stock more valuable in the long run also.

Research what type of reaction the stocks have after the dividend checks drop. Most drop a couple of points due to investors pulling out. Don't buy something high and miss the dividend date only to see the share price drop after the dividend date.

 

[ViShawn]

Research what type of reaction the stocks have after the dividend checks drop. Most drop a couple of points due to investors pulling out. Don't buy something high and miss the dividend date only to see the share price drop after the dividend date.

I decided to wait. Thanks.