MS

FrozenToonies

I bought MS at $70. It’s now at $400+, it’ll be at $700 in 3 years.

Hessper

Azure. You're not very good at this. MS doesn't invent products for you. They make products for businesses.

Cum-Financia1Advis0r

Try MS-13 gang

TWIYJaded

I worked at a major accounting firm where reliance on either's enterprise platforms was ingrained in almost everything day to day. Lets just say we had a point where there was a transition between them and its never in anything you will see reported, but **MS is probably 5 yrs behind google in actual working functionality, QoL, integration of tools, etc.** Maybe even worse than that for anything related to shared live files. On top of that, their 'AI' integrations are insanely intrusive, in almost everything now, and I have yet to find one example available to the avg user, that isnt a gimmick or that I use or that isn't worse than previous versions that werent deemed to be using 'AI'. If I thought about this a little sooner while Google was getting dumped on over media, I woulda def grabbed up more in the portfolio.

AlphaOmega1356

So this guy is now set for life? MS at 420 rn

CimLeah

MS erection! 

gizamo

You misspelled centuries. If by "here", you mean WSB, I've literally been here since the beginning. If you mean US, I've been here longer than ~95% of Redditors (I'm old). If you're asking to imply I may not understand finance, economics, history, politics, etc., yes, I have multiple MS degrees and decades of relevant experience.

Intelligent-Read-549

PL.TR a good play? I think only MS can pull off the stratospheric AI expectations at this point, but I do believe the Oracle deal will juice PLTR.

dacalo

And Goog and MS exceeding expectations.

Altruistic-Sense-593

It’ll surprise, they’ve been putting copilot in every possible product and requiring companies to upgrade to MS Fabric

Cum-Financia1Advis0r

META getting mutilated by MS-13 and Theta Gang

Dry-Tough4139

Well 7% of voo is currently in Microsoft so you've actually got 37.5% of your investments in MS which is quite a bit, albeit I do like MS as a stock. If you want to diversify global trackers are the easiest way. They are normally 60 - 70% US equities depending on specifics and the rest spread around the world. Just be mindful on fees, the ones that cover all cap global stocks have higher fees and not worth it (imo), so I go for the ones tracking large and mid cap which keeps the fees lean.

Educational-Year4108

It’s not the cult. Elow has a lot of shares as security for his credits. I think Morgan Stanley loaned him a shit town of money. If the price of Tesla shares go down those securities will be owned by MS who then have a toxic stock

BlackBastado-2124

MS and the rest of the banks gained everything back. Their earnings were good so I never understood the sell off.

durbworb

You're right to point out the share cost difference, that's a good catch but I hope you understand my point. I suppose I should have said 100 dollars MS rather than 1 share. Yes, weighted average is what my research indicated. Thank you very much; must appreciated.

KenshiFilmoreDickson

MSFT is going to blow earnings out Copilot is by far the closest thing in an existence to an enterprise AI software application that will become ubiquitous at every corporation just like MS Office.

Fury-of-Stretch

At work so not able to make a chart, but if you look at MS’ stock history from 12/1/2021 to 7/1/2023 it shows the type of trend I am describing above. In short, while in that example the third drop in the stock was the bottom, but if you compare buying at its first major drop vs the fourth you’d be getting a much larger return by the 2023 date where it finally surpassed its 12/2021 price.

potato111a

Alo, is this JPM MS and Citty bank? I would like to order one giant green dildo on AAPL please. Ty.

ThatOneDataScientist

I am now…I was 21 and managing a restaurant at the time. I might even credit that with the seed for figuring out how tf that was possible and changing my career trajectory. Ended up going to get an MS in Stats, post grad in Applied Data Science

Cum-Financia1Advis0r

BAC WFC MS UBS FAs are all fucking weak 

Cum-Financia1Advis0r

Listen. They are the Navy Seals of Financial Advisors period. They are the elite. That's why clients go to them and not BAC WFC MS UBS Financial Advisors. 

chroniclerofblarney

I think he is saying that he advises his son to buy shares of MS, not to use them as an advisor/broker.

themadeph

Probate isn’t that cumbersome if everything goes super smoothly. But if not…. Costs can skyrocket. Also, MS doesn’t need to manage the trust, it might be easier to move trust management to somewhere else in fact.

dcredz

Maybe someone has said this... But isn't this because MS/OpenAI are planning to build their own hardware instead of buy from Nvidia?

ExeusV

>MS is not a serious chip maker. what prevents them from becoming one? Amazon, Google also invest in their custom CPUs.

hunterli168

MS is not a serious chip maker. As for NVDA, do you feel safe to make your most advanced chips at your competitor's foundry? On the other hand, TSMC is dedicated to foundry business, and all else equal, I would feel much safer to make my chips there. Btw, If you have followed semi industry for a long time, you will remember NVDA and INTC used to have many issues, even lawsuits.

scwarrick

It’s not— Taxable: 200k (35% bonds/60% equity; 5% cash) Cash: $250k (to be invested, but MS was having it sit in 4% after I said please invest it)…They dollar cost averaged $20k per month into the taxable. IRAs: $800k (45% bonds/55% equity)

Legitimate-Taro635

Maybe they could stomach a drop of 30% or 15%. What is the average ROI for their portfolio is the question. The client should be well informed of the "risk profile" at the beginning. Anyways it should not be underperforming in these market conditions. And if its "aggressive" MS should not be conservative.

Leximpaler

Dude, MS,GS are all scams. You are just feeding the 1000 MD's their million dollar salaries. Look what happened to CS.

zxc123zxc123

Reminder that with advisers, fiduciaries, accountants, google/facebook/youtube/reddit/amazon/insta/snap/twtr/tiktok/etcetc, or anyone else in life. If you are NOT paying them then you are NOT THE CUSTOMER. You are THE PRODUCT. Some might say they make money by fee, but that fee isn't paid to them but MS. MS pays them and they ***work for MS***. Not for you. That's why I'd never take free financial advice, anything you hear on reddit/youtube/cnbc is to be taken as random opinion at best if not self motivated shilling of a rugpull/ponzi/scam at worst, and for financial advice or wealth management? I'd probably just google/reddit it if I can, PAY a financial advisor or accountant by the hour if I need it, and do/manage the work myself or review it myself after it's done professionally.

Markol0

Had a MS account. Fiduciaries my left toe. It was all built around maximizing their fees. They were getting kickbacks on everything. Best decision was to leave them. Never ever ever trust MS with anything. Kicker, the advisor was my friend's dad.

Finreg6

I agree with most of this post; seems like they’re doing it wrong. With that being said, Morningstar is not a good metric to run by so I disagree with that point. Not sure how MS works but typically firms don’t charge in cash in a managed account.

Grungy_Mountain_Man

I have a few stocks but mostly etf’s.  The stocks that I do have had are typically more ones that I know quite a bit about and watch the price looking for buying opportunities where there’s a high bounce back probability.   There’s a few I bought just for the dividend is in the ballpark of what you might be able to expect in terms of average gains.  Many individual stocks are also weighted pretty heavily in some etf’s. I tend to avoid those stocks, for instance MS is 7% of most sp500 index’s so I don’t really feel the need to double up on some of those.  That all said, the ones I have picked have either paid off pretty big or I’ve lost money. So I don’t think it’s worth heavily weighting individual stocks.

Higgs-Bosun

I’ve been with MS Wealth Management since the beginning of 2024, but using the same advisors that my family have used for 30+ years. They don’t really do any investing on my behalf themselves, but they have gotten me into a variety of professionally managed investments that I never would have known about and everything is super transparent. I see every transaction, all day every day. It’s too soon to say if it will work for me, but I love the way things are going.

ParkSt-Hooligan

My father taught me this lesson a long time ago. Banks act in the best interest of the bank, not the client. He taught me about vanguard at a young age and when I became less risk adverse I moved to fidelity. I went into Chase to meet with the Private client guys and by the end of the meeting I wanted to close my chase account. Another example, When the iPad came out, a friend bought calls from Morgan Stanley, they charged 12$ a call when the market was 5$. When confronted the MS guy goes "you got me, no I can't refund you." Banks work for themselves.

akmalhot

I should have, i sat down w chas ecause htey put me in private client and the guy was always asking, wasn't really planned. MS was because a colleague uses that group - to be fair htey weren't bad , pushed managed futures MS fund a lot etc as one of thier big benefits in the end i went w a friend who opened his own family office. its a combo of reasons why, but in the end was great as he kept me invested in a balanced and diversified portfolio.... unfortunatley my goal was to diversify awsay from big tech a little bit in a tax efficient manner..... turns out I should have just stayed where i was at

akmalhot

I also sat down with 2 guys from MS, wasn't a great proposal either, wasn't bad. In the end my friend started his own family office and I went w him, and he kept me invested so we the last few years

LoriLeadfoot

I used to work with MS FAs and wealth managers. They’re incompetent. It seems to be not that hard to become one and then it’s just a mad race to suck fees out of clients.

i30swimmer

36yo here and I also left MS a month ago to do it all myself at Schwab. The “professional” had 50% of my account in $BND and had been buying it since 2021. Huge losses and still fees on fees. No more.

KerryOnAgain

I bailed on MS about 6 months ago after significant losses due to their irresponsible management practices. MS outsources their portfolio management responsibilities to other outside fund managers. Then when these outside funds fail to perform and lose your money, MS hides behind a shield of “we didn’t do it, they did”. IMHO, irresponsible, negligent practices protected by MS’s arbitration clause. MS was not acting as a true fiduciary who retained responsibility. In fact, they purposely relinquished their responsibilities so they could claim irresponsibility. Definitely a disheartening and eye opening experience. Unfortunately, this is a common practice in the financial services industry that many are unaware of. I now utilize a firm that actually takes responsibility for their own performance by directly and actively managing their own custom portfolios. It took me months of research to find a company that actually did this as most financial services companies use the outsourcing model so they can shed their fiduciary responsibility and hide behind their “it wasn’t us” arbitration clause.

Mpcars

I spent all day in MS puts just to lose it in 2 min on meta

tke248

None of them are playing in the defense sandbox, Googles team actually had a massive protest about service they provide to Israel and MS staff is drinking the same koolaid. I have used a few of the others products and you need teams of devs to get any use out of them, which was also an issue for Palantir until recently.

seasick__crocodile

Because I’m not going to aggregate a list of the numerous companies leveraging LLMs and other AI tools for you. It’s not worth my time and should be unbelievably easy for you to find. >I have attended MS dog and pony show for their AI offerings and was unimpressed. Pretty meaningless, bud. I never called out MSFT specifically – that was you. Even so, I sincerely doubt Palantir is providing AI offerings that outshine a company investing billions into it. You’re out here asking for specifics when you haven’t done that yourself. Anecdotes about an obscure trade show aren’t going to cut it. Get a grip.

tke248

Instead of saying nuh-uh why don’t you give some counter points.. I have attended MS dog and pony show for their AI offerings and was unimpressed. It took most of the day to get the damn thing halfassed working and the experts were not.

AP9384629344432

Really starting to think PFE is getting stupid cheap, and narrative is following the price. The problem is they are a huge black-box when it comes to the success of their pipeline, but at a certain point the market is being way too backwards-looking about the fading away of Covid related demand. Covid was a huge success for Pfizer, not a failure. That huge success is making YoY figures look terrible and temporarily compressing margins. At the end of the day, though, Pfizer got a massive cash pile that most other pharma companies didn't, enabling it to buy more products / research pipelines. Yet it saw major multiple compression. Question is: do I trust that some subset of their huge portfolio will be a big hit, and am I satisfied with a 6% dividend yield while waiting for it to materialize? At this current price.... yes I think. But I'm hesitant. Reposting my comment from 11 days ago: > Covid was such a massive aberration to the business that I don't really trust using these 3 year trailing figures. [I made this MS Paint](https://i.imgur.com/1gvRTNW.png) diagram. The black line is actual revenue. Green is Y/Y change. Right now revenue looks awful because the Covid bump is over. But in the absence of Covid, you would have seen the dotted line instead. It actually would be worse, because the Covid cash infusion allowed it to go on a buying spree and thus increase future revenue growth. So the positive events that allowed Pfizer to increase its moat make it seem that Pfizer is actually worse off. But that can't be true. > > Right now Pfizer is being forced to throw in all kinds of non cash accounting adjustments to reflect the fact that it was hard to accurately keep track of orders that eventually got cancelled when the Covid demand subsided. So margins/EPS all look awful. But it's showing a very misleading picture of the fundamental business in the future. > > The right way to value Pfizer is to guess what the 'normal' revenue/earnings are going to look like once all the Covid comparables fully fade away and the accounting adjustments are complete. Not look at probably the most insane time period that could have ever happened to a pharma company and what that makes the trailing numbers look like as a result.

Cum-Financia1Advis0r

BAC WFC MS UBS are fucking weak compared to NTRS

slick2hold

Considering MS has investigation around their wealth management unit and it was their high preformer Id be very hesitant on buying MS right now.

derbnguyen

From down 1.5k to up $500 on MS puts  Gang

BoastfulPrudence

Market clearly now immune to JPow's babbling. Sure glad I got scammed by some f\*wit site claiming MS reported Friday. Had no choice but to switch to BAC as a banking play for the pivot to a decade of high interest rates. 36.5c seemed such a good buy Friday.

BingBongCapital

Crazy that people think wealthy investors pay firms like MS for stonk picking and nothing else (i.e. trust & estate planning, tax mitigation, business sales, capital raises, gift giving, list goes on) lol. Thanks Reddit

Ahueh

It seems MS is back to the level from last week before we learned they were defrauding the government. The more money you launder, the better the earnings 

BoastfulPrudence

Thanks to the thick bar stewards who published yesterday that MS had already reported last week. Should just mention that 5017 in PM is not an incredible bounceback but market quite possibly taking JPow in its stride, hardly like he didn't say everything last time round, and the economy hasn't slowed at all since March.

Ill_Try1620

MS come in strong?

Ill_Try1620

Did MS forget they report today?

Ill_Try1620

MS your turn

Ill_Try1620

MS and BAC giving us a little hope today

jabronismacker

MS gonna go 📉

jabronismacker

If MS and BAC miss today that’s a wrap

justflyingbyy

For MS calls but everything is dropping already so no high hopes

Swapnizzle

Hi folks, so I am under the same boat. I generally do a lot of SPXL and TQQQ options on ETrade, but this 2023 tax year (after acquisition by MS), all my TQQQ/SPXL options contract are being considered as 1256 options contracts. I understand from all the comments above MS is basically doing their own interpretation of the tax laws…whether or not they are correct is another story. But right now I need to figure out how to heck I can enter these 1256 contracts under Turbo Tax (since I found out that they need to be entered manually because Turbo Tax doesn’t support import of 1256 contracts). Has anyone figured out how to do it? I need help to interpret which is the correct option to choose below in Turbo Tax 1. Section 1256 contracts marked to market 2. Losses from straddles 3. Gains from straddles 4. Unrecognized gains from positions help on Dec 31,2023 5. No of the above All my trades were Calls, so I am sure I don’t select anything related to straddles above. If I select #5, I pretty much just exit Turbo Tax. So this leaves option #1 &4. I definitely was holding my SPXL/TQQQ contracts on Dec 31,2023, so I can select this option. But what is option#1 and would it apply for my SPXL/TQQQ call trades that were realized in 2023!?

baller1able

Bought some MS 90c because everyone believes the stock gonna tank

user_smith

Oh no, don’t have that energy now. It was all META, MS, AMZN to the moon when they did layoffs.

yrnqceo

$MS puts, who’s with me

iBeFlying676

Is anyone playing $MS earnings this week? I got $93 calls. But debating if I should hold it.

NYCTBone

Standard escort rate paid by MS bankers prior to inflation.

Xiodes

Any plays on MS? We thinking puts with the money laundering thing going on? Or will their earnings make them rocket like GS did.

Amyndris

That's pretty rare though. You can see it in their hiring specs; 49% stay less than 1 year. 72% stay less than 4 years. Only 3% stay more than 11 years. Compare that to other FAANG; 16% of MS, 13% of Apple, 7% of Google and 7% of Meta stays past 11 years.

FeedbackFinance

🤣 People should have to get these hot takes tattooed on their foreheads after 5 years and they don't manifest. But then I think Jim Cramer would be looking like a Yakuza or MS13 tatted to the nines.

CriticallyThougt

Probably an AI company we never heard of. If I had to pick one that we all know I say MS.

Worried_Quarter469

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Diligent-Stable-9477

This guys mom is imminent. SPY won't correct like that next week, maybe in June-Aug when the economy cools down, but when RATES are HIGH, BANKS print money...and next week earnings is heavy on the bank side: M&T, Goldman, Schwab, BOA, MS, Bancorp, Ally,and so many more... overall they should preform well and prove today's correction more of a dip... we will be 9/10 with SPY for this reason. What will correct is the economy slow, inflation staying high, and god forbid... stagflation.

TimeTravelingChris

There are insane amounts of options out there for Tesla. I expect the next few weeks will be pretty bad now that essentially everyone except MS has lowered their PT and had a chance to adjust adjust their hedges.

Historical-Egg3243

lol the SEC is a joke. MS is too big to fail. nothing burger

examors

I have to use MS Teams at work and it makes me want to buy puts just out of spite.

nine_square_grid

Everyone I know who works at MS is a douchebag

zKarp

MS will just fly the investigators to their HQ on a Boeing Plane as a courtesy.

No-Improvement3164

MS got hijacked today

tbhnot2

one last yolo before you go to the dumpster. Puts or calls on MS

Copernicus2020

MS shits the bed after being downgraded by other banks, NFLX drives higher as consumer entertainment demand hulks out. TSLA pops because BTFD and Bitcorn goes parabolic from every millennial and their grandpa trying to get a piece of the halving action.

No-Cut-2788

Have friends working in MS’s WM unit. Shit basically a money-laundering scam. WM runs on reputation, so something like this will not go away easily.

jackedup2018

Puts MS, money laundering breaking story today

jackedup2018

Buy puts on MS, they got caught money laundering you regards!

BetweenCoffeeNSleep

Saw the headline re: MS investigation around whether they’re doing enough around client money laundering risk, and the subsequent drop. Sold off my SOFI position (about 10% gain over the past month) and some VOO, bought back into MS at $86.48. Sold 4/26 90 strike calls for .95/contract, just over 1% vs underlying basis. Not bad for a 2 week contract. Earnings are 4/18. This is my third swing trade entry into this stock over the past year. I’m $0.03 over my last basis per share. I’m very familiar with the company, and perfectly happy to hold at this basis if it moves against me. The Div yield is 3.9% at my basis, and options activity on the stock are decent. As I type this, I’m +.63% on price, 1% on premium, after about an hour.

Ahueh

Buy MS calls then - all they did was deceive the government.

Ahueh

Small yolo in the MS calls 1dte. The fucking bankers always skate.

mannycalls24

GL dead now MS is money laundering?? very cool

kk7766

Today was a glorious day with $GL and $MS 50k gain

wilhelm96

MS getting bitchslapped by SEC on money laundering probe 😂

betterbackitup

aww geez MS you're gonna get fined 5 bucks again

nocashflow_

MS crashing

After_Nerve_8401

Where are you getting this info? Google is charging to use AI only for its business products. [https://workspace.google.com/solutions/ai/](https://workspace.google.com/solutions/ai/) It's being slowly integrated into the free search. You can try their AI for free. [https://gemini.google.com/app](https://gemini.google.com/app) OpenAI is better in most aspects right now. MS is trying to integrate it into their products. [https://copilot.microsoft.com](https://copilot.microsoft.com)

rice_not_wheat

GPT isn't entirely free. You have limited API calls. It also operates essentially at a loss, as a project of Microsoft (the nonprofit status is more or less just MS Tax shelter for its research, as the OpenAI CEO debacle showed). It won't be free forever. Why would a consumer use Google AI powered search over OpenAI? No idea. But if I'm a company setting up a *machine* / AI to use a search engine, I can see lots of reasons I'd lean towards Google instead.

CoverSuspicious5250

And there is the last of the 70 million Baby Boomers retiring as we speak , and Poof! Couple years Take whatever job you want! Trade up from Wendy’s to go work on Windows (MS). Maybe, perhaps, definitely, possibly, really… never will materialize.

Evening_Cut4422

There is alot of small banks in the US lol, MS took a 2% bash to the head while all the small banks took 6% bashes. The small banks borrow to local business at lower rates than big banks, if they go down small and medium business are the ones taking the hit.

Evening_Cut4422

If that's what u believe is really happening, all I can say u are seriously about to get fcked.  I am not gonna teach u economics but do look up how regional banks were doing last night. Ticker: MS, WAL, ZION, FITB,C, CMA, BAC and so on. Tell me how all the banks droping 2%-6%isnt indicative of stressful conditions.

Evening_Cut4422

U are better off just shorting small and big regional banks. Zion, WAL, FITB, CMA, C, MS, BAC all of these were down 2%-6% last night u just need 1 good weekly out and u are out.

mittenedkittens

Military spending as percentage of GDP has been fairly stable. What is driving deficit spending is growth in the sectors I mentioned as well as revenue cuts. https://data.worldbank.org/indicator/MS.MIL.XPND.GD.ZS?locations=US

Far-Requirement9180

MS holding NVDA 1000c, got it 🆗 

Lineartronic

What in the MS Access 2003 Database is this shit?

falcontitan

Is he getting a salary from OpenAi/MS?