Reddit Posts
Who regulates 529 Plans? Unauthorized changes to a account.
$MNTS ENTERS PURCHASE AGREEMENT TO GEN ~4M
$MNTS PURCHASE AGREEMENT EXPECTED to GENERATE ~4M PROFIT!
No reimbursement policy if hacked - IBKR Canada
$CDIO PART 4 American Medical Association Grants Cardio Diagnostics A Dedicated CPT PLA Reimbursement Code For Epi+Gen CHD, An AI-Powered Test For Assessing The Probability Of A Heart Attack Or Coronary Heart Disease Event
$BEGI NEEDS HELP BUYING SHARES @ .0024
What if you want a financial advisor... just not right now?
Do I need a FA to get my annual RMD from an inherited IRA?
Did anyone else participate in the Harvard investment survey posted on Reddit a few weeks ago, and get no response (possible scam)?
Puts on Devin Nunes' and DJT's failure jamboree
$HSCS UP 11-13% PRE Black Friday SALE
Struggling with the value prop of maintaining a relationship with our IAR/FA/CFP
Should I ditch our FA and manage this myself? Am I nuts?
$RNAZ AS OF 6:10 Eastern & Use This String Going Forward Please to Consolidate
Moving Roth from an advisor to Fidelity and seeking suggestions
Friendtech Bolsters Security with 2FA Protection Against SIM Swapping Attacks
[UPDATE - worth the read] Fiduciary FA Pushing Me (28F) to do an IUL
S&P to 1,500 at bottom. Next year sometime I assume. The PA and FA king up, it’s easy to see, it is moderately contrarian.
This prized $PGY doesn't need lipstick (an amalgamation of the DD's)
TRNR... As insiders anticipate a $12 or higher share price, this is an opportunity to lock in 2x, 3x, or even 4x in returns!
Celibacy Vs Condoms: The Answer To Whether You Should Trade Options
Settle this for me once and for all trading the markets equals gambling
Can’t think of a reason my FA has me on “pay no attention”
Investing to buy a house (shorter long term time period)
My mother inherited 200k from my grandmother, and has asked me to look at the portfolio.
Regulation Best Interest: The Game Changer That Wasn't (Part 1)
TRKA on the move today, seems something is going on (25%+)
NVDA files form S-3 to sell another $10bn worth of stocks
Mors Certa, Hora Incerta | Update to my Schwab and Met Bank DD with additional Pacwest and KRE flow
Mors Certa, Hora Incerta | Update to my Schwab and Met Bank DD with additional Pacwest and KRE flow
Do options traders use more technical analysis than fundamental?
Fears of a hard-landing. Will the Fed over-tighten and make a policy mistake?
Update! Thanks for all the comments and help from my previous post
ATOS (Atossa Therapeutics) is a great play. Here’s why.
Why I’m bullish on ATOS (Atossa Therapeutics) and you should be too.
Why I’m bullish on ATOS (Atossa Therapeutics) and you should be too.
Why I’m bullish on ATOS (Atossa Therapeutics) and you should be too.
Why I’m bullish on ATOS (Atossa Therapeutics) and you should be too.
Why I’m bullish on ATOS (Atossa Therapeutics) and you should be too.
**SIGNIFICANT DATA BREACH SOON TO BE ANNOUNCED BY META**
How would you trade when market sentiments conflict with technical analysis?
HUBC Doing something. (Absolutely no DD or FA)
Shills out in full force.. especially today! Just thought you all might enjoy a good example of one that deleted the account shortly after our little chat. Remember due diligence.. eyes are everywhere rn and it's shilly in these subs!👀 (sus everywhere. all speculation. not FA) TRKA 🍋🤙LFG
Federal Reserve Zoom Bombing Attack Was Preventable Zerify Offers U.S. Businesses a Secure Alternative
TRKA and the INVERSE EFFECT - THE RETAIL HAS THE CORNERED
TRKA 10 weeks of straight gains, catalysts, shorts seriously underwater.
TRKA 10 weeks of straight gains, catalysts, shorts seriously underwater.
TRKA 10 weeks of straight gains, catalysts, shorts seriously underwater.
TRKA 10 weeks of straight gains, catalysts, shorts seriously underwater.
TRKA 10 weeks straight gains, Valuation, Catalysts, Massive Short Squeeze
TRKA 10 weeks of straight gains, catalysts, shorts seriously underwater.
TRKA a look at valuation and the reason to hold not flip
TRKA: 9 weeks of consistent gains, massive shorts last week before news have not managed to cover!!
TRKA 9 weeks straight gains, shorts unable to cover losses from last week P&H!!!!
TRKA CEO went full bull to trap shorts over long weekend to regain compliance
TRKA CEO went full Bull to use short squeeze ;)
TRKA Dropped News blocking offering for series E conversion.
NVOS …. LFG 🚀🚀🚀🚀🚀 get in while ya can …………….
News Imminent on TRKA massive effort by Shorts to get people to sell.
The MASSIVE bull flag breakout confirmation (It would impress your dad)
Aggressive investing through a financial advisor
MSM narrative of BaNkRuPtCy of BBBY is getting out of control - buy and hold through the smoke
Mentions
The lesson may be obvious, butt unless it's not, here you go: Whatever your gut, inverse it. FA.
Look into direct indexing and you can back out of the positions, mitigate the taxes and move into something more diversified. Your FA should have contacts but if not message me.
Missing some key variables, here. Depends on how much you have elsewhere. Is it just the IRAs? You don't say how old you are, I'll assume 58 (where we retired). You also don't say if you're single or MFJ. Why are you paying a FA to do the IRA and not the whole thing? Does he give advice on how to handle the funds he doesn't handle? If not, you're just throwing money away - that's exactly what you need help with. Assuming you have about the same in other retirement funds, and that those will also be taxed as you take distributions, you should (have) retire(d) early enough to start spending down the AAPL and NVDA aggressively for a few years. Certainly book LTCG all the way up to the top of your 0% bracket, but you've got a lot so you probably ought to book some at 15% LTCG too. For MFJ, the 0% caps out at around 230k with std. deduction, but remember that's your AGI, so any pension or dividend or interest coming in will eat into that. As far as what to put it in (after using what you need for expenses), just invest as you normally do, presumably an equity index fund with maybe a 10-20% bond allocation.
Hard to say… right now the whole market is red so it’s even harder to gauge. $poet was a pump that also has legit hype around it and investors that believe in the long term future. I have a few contracts open in ‘26c, and I think I plan to see what happens next week and maybe the following. Not FA but I plan to see how things look/how it trades this week. A lot of it also comes down to risk tolerance. Time is still on your side tho
no one knows. not FA, but if you're in poet, go longer, or take profits & wait until you want to get back in. if ever. short term monthlies may roast you. IDK tho i'm regarded and this is a casino
Not FA but i'd go long. Jan '27 or '28. It's gonna be bumpy today. no clue where it lands. But these Leaps that were bought yesterday are way OTM and it's big money $POET https://preview.redd.it/tadlqm4k8auf1.png?width=320&format=png&auto=webp&s=ff146d952cff426fc432e80fbab3e35989ac0c0a
I disagree. if the FA was told to be super aggressive they will do what the client wants, regardless of their age. when im 60, I plan on maintaining a big chunk in sp 500
do we really need to know what they invested in? the fact they are only 20% in this market when really, most portfolios should have doubled the last 3 years. whatever it is they invested in, it's cost them 80% gains. the only way that FA is safe is if your dad told him to aggressively invest in a particular sector.
just perma hold forever. I did no FA on it and I won, so now I just have shares. I only really do FA / deeper dives if I turn red, there was no point on this one
That’s a safe way to gamble on a pump like this. Not FA. But the tech also has legit applications and a real future assuming they deliver. Either way, you’re in the casino w/ the rest of us in the short term
There's still money left and there is a play some people are getting in, question is, do you have the balls to do it? Lol not FA but dang you did get beat up badly in a week.
"they just recently had someone invest $75 million into the company" We are in an AI bubble, people throw money at anything that has potential, just like the dotcom bubble. Good pick, just saying this doesn't mean anything without doing a proper FA on the company
Seems like a half decent buy opportunity for after hours PCSA disclaimer: i'm a dumbass though so not FA
Set up 2FA to keep it nice and safe in there.
Buying and selling pressure very much supercede ANY fundamental reason for price action, extremely often. This is like trading 101 shit. Both FA and TA are extremely valuable and effective.
A friend’s FA told him to sell his GOOG two months ago. I told him to fire him. I’m an idiot and I knew that shit was popping eventually. The pro’s are just flipping coins like us, but with someone else’s money.
we don't offer FA here, we only shitpost sir.
we don't give FA here, we just make memes
Fire your FA. He does not know anything
I can't offer FA. The 25c's have a higher payout if we gap up, but the 22c's are safer / keep more value if we don't. So it depends on your risk tolerances
Chat: Investors & FA guys are basically a bunch of monkeys who don't understand the poker game. Imagine downvoting a mathematically provable theorem because you disagree lol. Math doesn't lie tho. Trading maps 1:1 to poker (no meme). It's literally the exact same game. Ya'll think you're investing... play the dominate game or get fucked. Why do you think \~92% of you underperform a "buy and hold an index" strategy??? Ya'll have no idea wtf game you playing.
the best is when FA guys downvote you because they don't understand poker / risk / odds. Great fun.
Not FA but looking forward to it sir! Good luck, we shall prevail. I also randomly added 20 $35C (1/16)before close in case it really moons. Cheers sir!
I asked my FA about wash loss, he can not answer 🤷🏻♀️🤦🏽♀️
Yeah mine was on the short squeeze probability on DVLT and like magic it got deleted… wasn’t FA was just discussion. Anyway also like magic as predicted the 700% fucking shorters are failing 😅
FWIW the devil's on the details. For example, what is your expected annual expense in the first years of retirement? How much do you've saved? Do you have any pensions or passive income, SS? I'm not a fan on percentages in stocks/bonds/cash, but prefer to think in terms of years of expenses. The amount you need to have in principle-preservation (vs growth) will depend on both your expenses and total assets -- absolute value, not percentages. So have those numbers when you see a FA.
Sure thing, and I will be looking to add more in the morning if things seem copacetic. 8/ea: $27C 11/21 $30C 12/19 $30C 1/18 Caveat: I saw the headline come in right when it took off, and I rush bought while in a meeting. Not FA - good luck sir
FA here, I would fire you so fast. Then laugh about it later on at dinner.
I can't comment, I don't give FA. Every company is different and requires a unique evaluation. You can't really generalize IPO's. If you could there would be alpha there and you found a money printer. DYOR, I don't touch them
IIRC Robinhood uses Plaid for ACATS transfers. So you would follow the prompts for Plaid... which include logging into the other brokerage and some phone 2FA prompts.
I don't offer FA, I offer entertainment
Ya'll really taking FA from a dude holding a roll of TP? I sure as fuck hope not
\>> high conviction plays No such a thing unless you are doing inside trading. If not, the higher your conviction is, the more likely you will fucked harder because you will be biased. Treat every ticker same unless it is a index fund. In that case, you buy and hold it. Pick a stock, do some FA or TA, know your max loss and profit target, know your expectancy (your edge), enter it and let it unfold. That is all I can tell you. Your question shows you are at the level of trading 101, Try paper trading first or the pros will take your lunch money and shirt too.
no lol. I don't sell shit and I don't offer FA. Only memes for the group. DYOR
hence why you gotta do a mix of FA, SA & a few other things. FA tends to dominate long term and SA tends to dominate short term. Gotta union them - it's kinda difficult to do correctly and is all just handwaved numbers. None of us really know what we're doing. I'm bloody as fuck this week - it happens.
I lost that on ATYR CSPs and and another $1k on a bad Vix play last year. You will be back. FYI. And not FA. Invest in monthly or weekly ETF’s. First. Or start with cheap $4-$5 stocks that allow options and place CSP’s
Not a FA but I would say while copper has more percentage gain potential in the long term, precious metals are on an absolute roll for the short term. Depends on how you want to play it imo
No, I don't do FA / event based trading. I strictly trade off sentiment. I include those in my risk profiling - which is a part of my own calculations when constructing the payoff matricies. IE: I factor it into the expected value. The EV is lower if risks are higher - even if sentiment is good.
sir, I don't give FA. DYOR.
Powell's a POS, but a great pawn to use by the HFs to manipulate the markets for liquidity. Surely he shorted the marked thru his FA before talking today, along with the HFs that control him.
Oh - I get a lot of hate from sophisticated investors. It's hilarious to me. Like - I'm a degenerate gambler living on the side of a mountain trading his own money (quite literally). You wanna do all the FA and TA and whatever else you want to do. I don't really care. Just tell me what you're buying, that's all I need to know. But nobody actually does that - so talk in memes and play poker. If you can do that you'll probably figure it out / what they are actually doing. Remember - guys say "it's going to $100" when it's $20... they're actually offloading and want exit liquidity. Read their hand / what they are actually doing. Don't blindly follow - you'll get rolled as they (quite literally) inverse what they say. Read deeper. That's what I \*try\* to do. It doesn't always work tho...
[Grats to the hommies that took the FA and shorted this dogshit coin a bit more.](https://www.reddit.com/r/wallstreetbets/comments/1nnwta2/comment/nfntf57/?context=3&utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)
Not looking for FA. But, just wondering what yalls plays are for tomorrow morning. I have 500$ I know the risks, just want some input :)
[Grats to everyone that continues to take my Short the Shit out of Shitcoin every sunday FA (bonus points if you have access to leverage).](https://www.reddit.com/r/wallstreetbets/comments/1nn1xg5/comment/nfi25cn/?context=3&utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)
Classic phishing scam. NEVER give out recovery codes to ANYONE. These scammers are getting smarter, impersonating mod accounts. Always verify through official channels, and use 2FA. Good catch on spotting the red flags before falling for it.
No this wasn't insider lol. Pure luck, was going to sell for a loss Friday or next week, was barely moving. Bought September 10th on FA.
Usually I sell the leaps after I reclassify risk as "low" to "unknown / high" where that is based off sentiment. If sentiment starts to turn unknown I'll take profits and roll into the underlying company (ie: shares). See what I did with LDI. I'm watching what everyone else is doing / likely to do and trying to predict whether they will buy or sell (ie: I'm trying to predict market direction but basing my decisions off how I think other investors \*feel\*). Why?? Traders are irrational and trade off emotion. They only actually click "buy" or "sell" if they feel good or bad about an investment. If everyone starts feeling "unknown / maybe bad" to me that is a signal in itself that risks of sellers went up, so risk went up. Usually the companies themselves are fine tho -- so often I'll roll profits from the options play into the shares themselves. IE: Once I decide to exit snap (if I get a bunch of profits) you can likely expect me to move a chunk of it into SNAP shares. I do SA to determine my entrances / exits, and just blindly trust chat for FA. I do my own, but expect everyone else to as well (ie: is this a good hold or not??). Then I just get a freeroll on it -- usually it wins. I stop following it, and find another one. Basically - I'm vibe trading & it's working. More akin to playing poker than investing.
Typically I’d agree but Miami’s CB1 is Jack Jones. Best known for bringing a glock in his airport carry on. FA signing this summer. It was Storm Duck but he’s hurt LMAO
oh - sir, my FA no tell me my current investments. Glad I no listen, he dumb just like all the rest and no know how to trade, sir.
Streas less. You have an FA - listen to them! Never listen to reddit for any nuanced scenarios.
So given the goal you stated, why don’t you start learning about economy & investments? You currently don’t and that’s ok. Use that financial advisor for now and tell him what you wrote here : you re very risk averse, you don’t want to lose wealth so you want to avoid long duration bonds and volatile stocks. 6months from now, you ll be able to ask him more advanced questions and in a year or so , you ‘ll want to avoid this 0.8% cost dragging your returns. One day I’ll be living off 4% of my nest eggs and I sure don’t want to give 20% of that (4% x 20% = 0.8%) to a FA
It's the only thing that actually matters - and I understand that. The only time people buy or sell is if they "feel good" or "feel bad" about an investment. You can do all the FA, TA or whatever the fuck you want. EOD it leads you to a conclusion "this is a good buy" and you buy in. That's what I try to figure out - and what I trade. Find the sentiment of the smart money and monkey in before they even realize / buy in themselves
FA was November, because by Jan, we knew what was coming already.
FA didn’t start until the end of Jan. 2025
The only thing that moves the price is if you click "buy" or "sell". You always do that based off how you feel. If you feel bad about an investment, you click "sell". If you feel good, you click "buy". Literally nothing else matters. You can do all the FA, TA, or whatever else you want - but it's sentiment that actually causes you to make the trade. IE: "The FA says this is super undervalued!!! We're buying, it's going up 200% for sure" and you click buy. You do that because you FEEL good about it - not because the FA says its good. That's what I try to read - how people \*FEEL\* - because it's literally all that matters. It's why I derisked today. The feels changed, and I saw it
This is not true…absolutely an exaggeration. I have an Edward Jones FA and he’s very thorough, explains the fees, aligns everything with my goals. There are people who say the same thing about other Brokers and full service folks. It’s always a personal decision with who you work with. Just do your own research…
I don't give FA. I'm fully out tomorrow tho, CEO sold \*everything\* today -- that's all the bearish confirmation I need [https://www.reddit.com/r/wallstreetbets/comments/1nitfrd/ldi\_ceo\_dumping\_all\_his\_shares\_what\_does\_he\_know/](https://www.reddit.com/r/wallstreetbets/comments/1nitfrd/ldi_ceo_dumping_all_his_shares_what_does_he_know/)
Are you sure? I think we're still in the FA phase. The FO phase is probably mid to late 2026? Maybe 2027
sir, I don't give FA. DYOR - you can literally see what I did here. I labelled risk as "high" so got out
Unfortunately it’s a company sponsored plan I have no choice unless I got my own FA. Do you think my allocations are good for my age? And is adding small cap value a bad idea?
fire your FA. Unless your FA can give a clear articulated reason on why he thinks small cap value will out preform against small cap growth or a small cap in general.
🕊️ A Message to Humanity Please read these words from beginning to end. Every sentence carries the cry of a family. Every line is the voice of a heart seeking relief. O Humanity, As I write these words, my hands tremble, my heart is heavy, and my tongue carries only one plea: Help us. I do not speak for myself, but on behalf of a family struggling to survive — financially, emotionally, physically, and socially. My friend is a modest, honest, and dignified man. He never wanted to ask for help. But today, he admits: he is alone. Together with his wife and two children, he lives without a home, without income, and without a clear path forward. A severe stomach illness has taken away his ability to work and even to eat properly. He once hoped to seek treatment and opportunity abroad, but a court-imposed travel ban has completely blocked that path. His children silently cry as they witness their father’s condition. His wife prays every night for relief. Each day for this family is filled with weight, silence, and despair. And I — as his friend — can no longer carry this burden alone. I have asked for help many times. In my homeland, among Muslims, among acquaintances. Sadly, most responses have been silence. I do not know — perhaps people do not believe me. Perhaps these words have not reached the right hearts. But today, I ask you — with sincerity, with dignity, and with desperation. Please believe me. This debt of $70,000 is real. This amount is not for comfort. It is for survival — for shelter, for treatment, for a future for his children. If you have children — look into their eyes. If you have parents — remember their prayers. If you are Muslim — I ask you for the sake of Allah. If you are a person of conscience — I ask you for the sake of mercy. 🪙 To send support via cryptocurrency: Ethereum / Binance Smart Chain (BEP20): 0x72ABBB7b13425EdE6d76653FA56fd60eBfD4B55F Please help us gather this amount. If you cannot contribute financially, help us by sharing this message. This is not a casual request. This is the cry of a family. And every hand that responds becomes a door to mercy. https://preview.redd.it/hk3iz4sxthpf1.png?width=1024&format=png&auto=webp&s=1dda14564b9d81672b24664eb012eb389e868298
🕊️ A Message to Humanity Please read these words from beginning to end. Every sentence carries the cry of a family. Every line is the voice of a heart seeking relief. O Humanity, As I write these words, my hands tremble, my heart is heavy, and my tongue carries only one plea: Help us. I do not speak for myself, but on behalf of a family struggling to survive — financially, emotionally, physically, and socially. My friend is a modest, honest, and dignified man. He never wanted to ask for help. But today, he admits: he is alone. Together with his wife and two children, he lives without a home, without income, and without a clear path forward. A severe stomach illness has taken away his ability to work and even to eat properly. He once hoped to seek treatment and opportunity abroad, but a court-imposed travel ban has completely blocked that path. His children silently cry as they witness their father’s condition. His wife prays every night for relief. Each day for this family is filled with weight, silence, and despair. And I — as his friend — can no longer carry this burden alone. I have asked for help many times. In my homeland, among Muslims, among acquaintances. Sadly, most responses have been silence. I do not know — perhaps people do not believe me. Perhaps these words have not reached the right hearts. But today, I ask you — with sincerity, with dignity, and with desperation. Please believe me. This debt of $70,000 is real. This amount is not for comfort. It is for survival — for shelter, for treatment, for a future for his children. If you have children — look into their eyes. If you have parents — remember their prayers. If you are Muslim — I ask you for the sake of Allah. If you are a person of conscience — I ask you for the sake of mercy. 🪙 To send support via cryptocurrency: Ethereum / Binance Smart Chain (BEP20): 0x72ABBB7b13425EdE6d76653FA56fd60eBfD4B55F Please help us gather this amount. If you cannot contribute financially, help us by sharing this message. This is not a casual request. This is the cry of a family. And every hand that responds becomes a door to mercy.
It's always been vibes. The literal only thing that moves a market is if people buy or sell. EVeryone buys or sells based off emotion. You can literally do all the FA, TA or whatever the fuck you want. But EOD - you feel "good" or "bad" about an investment and either buy or sell. That's vibes and emotion. ...that's the only thing that actually moves a market. Buying and selling. It's all vibes and always has been. It's just easier to figure it out these days due to the interwebs
sir, I was convinced it was underpriced due to my risk analysis based off sentiment. I was right. Now I'm trying to do FA like the other monkeys here to figure out PT's / direction. I was right on the SA part and I'm holding. I only sell if shit looks bad / I'm not convinced.
\> How do you find poker helps with trading risk? The only risk to something is if other people sell. The only time people buy or sell is off emotion. They can do all the FA and TA and whatever the fuck else they want. But really - eod - you feel good about an investment and click "BUY". Really - that's what I try to figure out. The reason it's important is because people shitpost. Nobody actually tells you what they are doing - so you gotta figure it out. It's the same thing as poker - read what they are actually doing without them saying it.
do you not understand yet? The literal only thing that matters is sentiment. How do you think the winners are winning??? They are not doing FA lol
1% is industry standard. Whether you contribute into it or not, doesn’t matter. Your overall balance sheet is indifferent to what account you contribute to so long as you are making contributions nonetheless. And you spelled it out pretty well. If you’re not savvy in this stuff, you need to shop around for an FA that you like and are comfortable visiting with. Some element of “being easy to understand” is also pretty necessary. Back to the question: The fee itself is not the issue. The issue is you don’t feel comfortable enough with that person to warrant the 1% fee, so you’ll not see the value. Go shopping for your advisor. You’ll have greater peace of mind when you find the right one.
Fundamentals don't mean shit for a stock. If you're pricing it based off FA or TA you're using boomer metrics and gonna lose. They don't work. Don't use them to price things - you'll get rekt
That's so strange.. click “No, it wasn’t me” to alert Google when you get those notifs...maybe add another 2FA like Google authenticator app
Honestly, I’m the same as you. What helped me was getting a financial advisor. Probably not the highest return possible, but she gives me the push I’d never manage on my own. Sure, some people will say you can do better without one, and they’re probably right, if you’re not constantly overthinking every move like I do. The other thing is to take it slow. After the fact, there’s always a “logical” reason why the market dumped or rallied, but you can’t predict it ahead of time (e.g., rate cut happens: market goes up, because it's good news for stocks. Or market goes down, because it was already priced in and people sold the news). So I’d say give it a try, don't check every day, and keep some cash aside: that way you’re not panicking if the market tanks. And if it tanks...well, buy the dip and don't look for the bottom. That's how I missed opportunity (for example, when my FA was telling me to go all in after liberation day and I told her she was crazy 🤣)
Get an advisor - 1.5% to Help you not make Mistakes from a professional is better than asking Reddit. Albeit there is value from both and negatives from both. The first 100k is always the hardest - you just don’t want to f it up on a few bad trades - buy the highs and own it all the way down. But if you don’t shoot the Puck your poor and FA don’t keep jobs by recommending high upside trades that are high risk. The only way to financial freedom is to be right and have some luck. You have to trust your instincts and let go of regrets
You'll find that this subreddit is very much anti-FA in general, since the whole premise is DIY investing, so keep that in mind. Opinions will be biased here. You have to ask yourself how hands-on or hands-off you want to be, and what that 1% is getting you. 1% adds up over time. If you are starting with $80k, the difference between a 9% annual return and a 10% annual return over the next 30 years would be $1 million versus $1.4 million. That ain't nothin'! For that reason, a lot of people are (understandably) very much against advisory fees, heeding the advice of the famous Jack Bogle, founder of Vanguard. In fairness though, a lot of people don't know what they don't know, and can make investment choices that either (a) leave way more than 1% of growth on the table, or (b) are over-risked/under-diversified, especially near retirement when they need the money. I've seen examples of both firsthand, and I think the one benefit of managed accounts is getting the risk tolerance right, as well as avoiding fuck-ups like how many people panicked and sold at the bottom this past April, only to watch the market then climb afterwards, to where we are now. Personally I'd suggest try managing this account yourself for the time being and see how it goes. The nice thing about IRA's is that you can buy and sell or change your mind / adjust your strategy without any taxable events.
Mohela using 2FA like someone else is gonna log in and pay my student loans for me lol
I can't comment on what you should do. That's giving FA - which I don't do. \> I get you call it a meme. It's the only company in existence that moons 40% AH on news that a CEO was appointed... which we knew was coming. What else is that? \> Curious if the announcement changed your opinion or potential of rate cut Nope. This company has never made money, even in a 0 interest environment. You can check it's income here: [https://www.macrotrends.net/stocks/charts/OPEN/opendoor-technologies/operating-income](https://www.macrotrends.net/stocks/charts/OPEN/opendoor-technologies/operating-income) Dropping rates won't make this one profitable... it's bleeding money and it will still bleed money. Just bleed slightly less money.
It might be that our friend uses a different cellphone or SIM card abroad so can't get the 2FA code on the phone, a problem I have had before.
You might not need a VPN for trading since brokers use 2FA, but it’s useful for security while abroad. [surfshark](https://watchinamerica.com/surfshark-vpn-best-offer/) and [express](https://watchinamerica.com/express-vpn-first/) are both fast and reliable options imo.
Ehhh I’ll stick with TA and pretty lines but no math. My econ friend can do the FA for me, I just like pretty candles and flags.
more are moving to advanced 2FA - im ok with ibkr, but it can be tricky logging in unless you know the settings well. i rather be safe than sorry
Any legitimate broker is going to require biometrics, 2FA, etc. I've read many recent horror stories of what happens when a broker doesn't force and/or implement on every account. TastyTrade, for example, only recently offered 2FA for logging into the desktop/website app. Previously they just implemented it for bank withdrawals. The result? A few customers were hacked and several large high-risk trades were made to basically deplete the account balance. Apparently TastyTrade doesn't offer a security guarantee like Schwab, IBKR, etc., so the customers were basically out of luck.
That is name of the account. I suggest reaching out to an FA
Thank you. Good point, I'll set some time with him. He's and FA too so I want to have a solid strategy before we talk so I'm not just asking for "free" advice.
I called customer support and answered a few security questions. At first I was calling just to change the phone number to my mom's so that she could receive the 2FA texts and forward them, but the CS guy helped me get connected to a 2FA app while we were at it.
No shit. Sentiment causes people to buy or sell, and the only thing that actually moves the price is when people buy or sell. Someone can do hours and hours of due diligence. "This one is a winner!" as they click the buy button. They traded because "this one is a winner" / sentiment... they didn't trade because of their FA. Sentiment is busted
Ask AI (and use the deep thinking option) about SPY, VOO and other reliable/ conservative approaches. Ask AI to assist you as a financial advisor and to ask you questions about what youre looking to accomplish so it can better taylor a custom approach. If you do ask AI always make sure to ask more than one (Maybe chatGPT and Google Gemeni, and/or Grok 3) AND THEN double check their answers with diligent research. You can gain a lot of the traditional wisdom or strategies that would be offered by an FA with this process but you absolutely have to triple check AI answer and cross reference its answers with answers from other AI (ALWAYS using the same prompt with each) THEN, cross reference with your own thorough research on the information it presents you with. Then, if you can, take your final results and run it by an actual expert, even if informally. Don't do any of this if you arnt confident in your ability to be discerning, thorough and exhaustive in your attempts to properly Vet the information given.
I mean why not borrow on margin & not use ur own money if ur certain. (not FA)

At least somebody has been taking my FA.
🌮 FA 🌮 FO Cause effect. Fries bag.
No VPN, but I use my parents' mailing address. The one hassle I had was getting 2FA set up on my new phone since they don't work with international numbers, but once I got that configured it's been smooth.
*Severe* FA, i demand compensation
I buy them ATM / slightly OTM. I only buy them on things that have already experienced massive downswings and I believe the market has overreacted to - basically making a bet "this will recover". It creates a bit of a safety buffer re: downside risks based off plain old boring FA. Floors are not absolute / guaranteed. There are a few different tools I use to evaluate them. For example - NVO is currently something I am long (Novo Nordisk). They make 50% of the worlds insulin and they invented ozempic. Look at the 1 year chart - it's down 61% right now. When I bought it was down \~66%. Now zoom out to the 5 year chart - it seemed very stable \~55 for a long time. This was pre GLP hype. This is the floor as that is where the market was valuing it \*before any GLP hype took over\* (which caused the massive surge). I bought below that under the assumption that "we are below the floor, downside risk is minimal here". From a FA POV - company is solid / fine. Products are in demand. From a growth perspective - it's growing like crazy... but not quite as quick as some people would have liked (due to competition from people like LLY). That's ok tho - LLY is \~2-3x more expensive. Market has actually mostly priced NVO completely out of the GLP race despite the fact they're going to be first to market with an oral weight loss pill (which is also \~25% more effective than lillys in clinical trials). IE: There are potential upsides / catalysts that could make it go back up. Will it? Dunno - it's a bet. I manage risk via sizing bets & placing ATM bets around floors.
Main use case of quantum computer literally is crack stuff is not protected by 2FA or built in mechanism(max retry times...). We are nowhere close to handle a lot of states. I mean people use to say it would break everything but not, most of things are already protected. I would say most valuable target would get BTC from early known accounts. All you need is crack private key, in a decentrelized network which has not any protection. And obviously noone of this companies will be able to make this as it breaks the law. So not, quantum computing pure smoke except you invest it in the right horse which will not be a company rather a group of individuals