Reddit Posts
NurExone and Inteligex Kick Off Chronic Spinal Cord Injury Research for Multi-Billion Dollar Healthcare Market (TSXV: NRX, FSE: J90, NRX.V)
401k with high expense ratios and no passive index options. Help!
The Role of Hashdex ETF in Revolutionizing U.S. ETF Investing
Anyone looking into $SHFS?
What does everyone think about Chargepoint short seller squeeze?
Market Perspective: Recent Trends and Performance in Charts
Market Perspective: Recent Trends and Performance in Charts
Market Perspective: Recent Trends and Performance in Charts
A naive's view of Sº.Fi and Wºr.kHo.rse posts in here
Securities-backed purpose loan used for investing in ETFs. Is it a smart idea?
Is Anyone On Frank's International? (FI)?
$GOEV - The Bull Case of Canoo Inc. AKA $GOEV AKA they-better-fucking-deliver-on-earnings-or-i-am-out-a-bunch-of-fucking-money (#11 Weekend Schitzo Edition)
$GOEV - The Bull Case of Canoo Inc. AKA $GOEV AKA they-better-fucking-deliver-on-earnings-on-monday-or-i-am-out-a-bunch-of-fucking-money (#11 Weekend Schitzo Edition)
How to Keep Your Newly Minted Title of Millionaire (2nd Edition)
Mentions
I think concerns about $ADBE, $CRM, $FI, $PYPL, and $TTD all boil down to this question: Will AI disrupt their business models?
$ADBE, $CRM, $FI, $NVO, $PYPL, $TTD Most energy stocks have not taken part in the rally, despite energy now becoming the bottleneck in AI Many staple stocks are at multi year, if not multi decade, lows. If you still believe people can return to booze, now it's the time to buy them. Or you can stock up on cheap quality alcohol too
I FIREd in 2023 and have been readjusting from US tech-heavy growth for 20+ years to less risk, more income, global diversity. I'm 55M Currently allocation: 30% Cash/MM 52% Equities (40/12 split US/EX-US) 7% FI, US Bonds 5% REITs 5% Silver/Gold mining ETFs I trimmed my long NVDA, GOOGL, AMZN, AVGO and MSFT positions in late 2024 and some in Sept-Oct 2025. I'm adding to my ex-US Equities slowly but not really comfortable with 30% cash In 2023 I was 15% Cash 80% US Equities 5% FI, Bonds
I’m a HENRY and only a few more years away from FI. So, I’m ok. Just want more. Shooting for cracking the 7 figure income next year. So, yea, those analysts are helpful in my progress.
Unveiling Fiserv (FI) -- a value trap -- https://www.reddit.com/r/StockMonitoring/s/o7DrmiNTxB
Unveiling Fiserv (FI) -- a value trap -- https://www.reddit.com/r/StockMonitoring/s/o7DrmiNTxB
Unveiling Fiserv (FI) -- a value trap -- https://www.reddit.com/r/StockMonitoring/s/o7DrmiNTxB
Unveiling Fiserv (FI) -- a value trap -- https://www.reddit.com/r/StockMonitoring/s/o7DrmiNTxB
Unveiling Fiserv (FI) -- a value trap -- https://www.reddit.com/r/StockMonitoring/s/o7DrmiNTxB
Unveiling Fiserv (FI) -- a value trap -- https://www.reddit.com/r/StockMonitoring/s/o7DrmiNTxB
Never been, some retard that doesnt understand FI said that and you all got baited lmao
Lol TTD and FI both
Sorry about not being clear and causing more confusion. Whether a HYSA is right for you or not is dependent on what type of financial services you need from a FI (financial institution) and your personal financial situation. I personally have no use for a HYSA and they offer no value to me and my families situation. A HYSA is a bank savings account. That is very different than a brokerage account. Both serve different purposes. And they work very differently and they are regulated differently in the US. Brokerage accounts are for investing. And you can invest in anything from safe risk-free interest rate products like US treasuries and money market funds to highly speculative and leveraged derivative products like options and futures. Bank savings accounts are just what it means. It's a way to put cash into a bank for safety and savings. In some cases, you can get interest at the prevailing risk-free rate. The term "risk-free rate" refers to the rate that considered risk-free for some measure of time. The hypothetical proxy for the "risk-free rate" is considered US sovereign debt. Most often - the 3-month US treasury rate is used. As of today it's about 3.74% but will vary daily. Or sometimes the SOFR (secured overnight financing rate) which as of today is 3.93%. Since the Fed cut the Fed overnight rate today by 25 basis points. Short term rates will likely adjust down. It's called "risk-free" because because the interest rate markets consider US sovereign debt as having a smallest risk of default for US domiciled investments. As for brokerages that are considered well respected - the usual ones are the big ones like Schwab and Fidelity. Look through the subreddit. However - many major bank holding companies that offer bank services also have brokerage businesses which can be convenient like Bank of America/Merrill, Morgan Stanley/ETrade, PNC, Wells Fargo, etc. etc. Your choices really depend on the type of services that you need. If you are inexperience, I recommend you stick with FI's that have very good customer service with phone services. And ideally with a branch that you can go to if you have issues. Hope that makes more sense. You can scroll up - look at the Getting Started link for investing resources.
>For fun shake, I kept on running and see what happen, all the way to year 70. That's assuming some dude made a fortune on 30 years old and was fortunate to live till 100. At the end, the guy's brokerage account would have 202,413,339 dollars. He will be borrowing 5,615,262.90 dollars on that year, he owns 975,229,711, and paying 3,900,919 in interest, and has over 1,714,343.80 to spend. the 100k is equals to 768,720.60 that year. his net worth? 104,890,361.70. This is off the chart because I use 6% increase in borrowing every year. At year 30, he starting to surpass inflation and interst. As someone who worked in the FI space for 15 years. I can tell you businesses at least do this with interest-only repayment loans with a ballon payment at the end, that is close to \~80-90% of original loan amount. Where we typically will refinance the entire balloon amount in the next loan. I've seen it done in 3-5 year term. And from an FI perspective its a fantastic loan, 100% collateralized (typically). They are locking in 3-5 years of their money being borrowed at significantly higher than most common products IE 6-7% vs like an A/A+ borrower getting a car loan at like 2.49%. The easiest way to solve this: 1. Any non-primary residence asset, as collateral for a loan, makes a taxable event on the asset. 2. (And this is a personal pet peeve of mine) Any time a real estate is used as collateral for a loan. The appraised value needs to be forward to the town/county/state (by the FI) to update the property valuation for taxes.
You may want to double check. There is an FI called Fidelity International that is based in the UK that offers wealth management and brokerage services. The company is not affiliated with FMR or Fidelity Investments in the US which is commonly mentioned. FRM afaik has to plans to offer services outside the US. Note that Fidelity International was spun out of Fidelity Investments and part of the Johnson family's control. But they are run as an entirely separate business.
You are on wallstreetbetsnew. Only FI and CELH are wallstreet bets. it is a crazy mixture. what is your main strategy?
FI (Fiserv) has dipped tremendously. Hit almost $240 beginning of this year, $60 as of now. Insane slide.
FI Fiserv and LRN Stride
I didn't record that statistic, but I did keep this: 37 stocks increased 83% av. 3,071 9 stocks decreased 54% av. 486 5 stocks no change Odds: 6.32 to 1 favoring hold longer. Most of my trades are $5k in low cap, penny or two-digit priced with the right cyclical chart and potential DD. Some of my losses were biblical (a 10k that delisted, FI).
Had it with my Google pixel FI premium. But including podcast into music made content in discoverable plus podcasts still have their own ads nowadays too, even with subscription.
Reimbursed $172.50 transfer fee. https://media.tenor.com/5FI2iWeIs70AAAPo/yes-yes-yes.mp4
I retired coming up on 10 years in January. We own zero bonds. What I think everyone including money managers get wrong is... 1) Just because you are retired, doesn't mean you are dead. You have decades to live under normal circumstance, so don't change your portfolio because of a date. It will grow and you will be able to weather the storms. Towards the "end" I will move more money to bonds but don't have a date or plan yet. 2) Bonds do not keep up with inflation. Never have, never will. 3) We spend about 25% of the after tax income we had before retirement, not the 70%-80% most managers will tell you you need. 4) If I had to do it all over again, I would have never put a dime of my "retirement" accounts in anything but aggressive bond-free. In other words I should have put it all in S&P500. And I bought AAPL in 2006, which I sold almost all of this year. I use FI Calc to see our financial situation after sitting down and working with a person and running Monte Carlo assessments with them. 5) My annual invest goals are to make more money than I spend. I've don't that every year for over 10 years (actually 2x-4x more) so my money is still growing. 6) FWIW we moved to a more affordable place all around so really think about what you're actually going to do in retirement and what your real expense are going to be. Don't assume you'll need anywhere near the same income unless you change your spending habits. The one expense I didn't consider is a "new" vehicle every XX years. 7) Though our net worth is "top 1%" were we live, we wouldn't be in the top 30% where we moved from. Really think about this before making any decisions.
how about if we buy SOFI today, and sell FI tomorrow (or right after)?
Tax loss harvesting is about selling your losers tand selling winners that you need to trim, offsetting the loss and profit. Your planning should include knowing which stocks you will be placing your money back into. Wash sales occur if you buy like-kind stocks within 30 days of selling a stock. E.g. if you sell FI and buy SOFI within 30 days, they are both considered banking and it will negate your tax loss harvesting. Tax loss harvesting has been shown to improve gains over time.
I work in Canadian FI too, I always tell my clients just buy and hold mutual funds. Individual stock rumors are the most sinister.
https://www.google.com/search?client=ms-android-verizon-us-rvc3&sca_esv=052283a6d4230c4d&sxsrf=AE3TifObAYCLMtCeLtzfFscsXJd1VPyV1A:1763410874308&udm=2&fbs=AIIjpHwdlVWI4oi2g38E8_BbusNm3pTf6ItdW8-u0JVVBgXow2SS4XfWu_GDEb99WFnlrQTRreI6irPtfZJtDa4EEIgg0x3tUHxLg3XXRnTxVRQ9Q7pqPW_5d9D9bjlcc_FI4eiXFFuA2L4hCBXp_cA75QSMfg7MVtBvVSBLtS3P3hfBQmVCwpaMKjVAJW0aw1MLQ-ik4sEBWhHYuAaEJ2bboZEDax3yXXHxi39ufn6Ywy5BzuPB-DE&q=hm+curious+i+see+you+participate+in+society&sa=X&ved=2ahUKEwjFhoa2gfqQAxV52PACHS2QCyUQtKgLegQIFBAB&biw=384&bih=692&dpr=2.81#sv=CAMSURoyKhBlLWI5OXdzTUcwSzViMFRNMg5iOTl3c01HMEs1YjBUTToOSG1HbjFmVEhPb0oyOE0gBCoXCgFzEhBlLWI5OXdzTUcwSzViMFRNGAEwARgHIMfg7s4IMAFKCggCEAIYAiACKAI
I borrowed from my 401(k) to buy my house. Best decision I ever made. If I would have saved that money in a HYSA, I would have immediately lost 22% per year compounding. Also, Mr money mustache, I think, or one of the FI guys, did an analysis years ago - it’s still wayyy better to max the 401(k) and take the 10% penalty pulling out than to put that money in a brokerage. Although, the best bang for your buck is to take a year without income to pull out the money, but then you lose the income if you don’t have a way to take delayed income, or can’t control your income through a business you own.
$FI LEAPS after that massive stock price drop (8-year low) As of 2025, the largest payment processing company in the world - by volume of merchant payments handled is Fiserv, which owns First Data and the popular Clover POS system. Key Facts About Fiserv: * Merchant Transactions Processed: Over $2.4 trillion annually * Number of Merchants: Serves over 6 million businesses globally * Global Reach: Operates in 100+ countries * Fiserv handles everything from small business card payments to large-scale enterprise processing, making it the biggest player in the merchant acquiring space
$FI LEAPS after that massive stock price drop (8-year low) As of 2025, the largest payment processing company in the world - by volume of merchant payments handled is Fiserv, which owns First Data and the popular Clover POS system. Key Facts About Fiserv: * Merchant Transactions Processed: Over $2.4 trillion annually * Number of Merchants: Serves over 6 million businesses globally * Global Reach: Operates in 100+ countries * Fiserv handles everything from small business card payments to large-scale enterprise processing, making it the biggest player in the merchant acquiring space
The two questions that come to mind are 1) Do you intend to FI/RE and 2) Will your income spike significantly in the coming years? I started out maxing everything from day 1 of my career, which was great except for the fact that it meant only like 20% of my money was outside of my retirement accounts, particularly because that’s where my downpayment etc had to come from. But as your career continues, you can start catching up in the brokerage. E.g. I expect my brokerage to go from ~25% of my accounts to ~38% in the coming year. If you want to FIRE, you only need the non-retirement money to last you for five years, because in year six you can have money coming to you from the IRA via the roth ira ladder (convert old 401ks to traditional ira, roll $x per year from traditional ira to roth, 5 years after each roll, you can pull out from roth).
As someone else about to hit 40 and eyeing a possible FIRE scenario in the next 10 years (or at least FI), what is your current allocation?
How are the FI guys doing after the delisting?
FI seems to be doing well against this market dump
Bought 30 cons of EFX and 3 cons of FI. Already up $3k on EFX (high risk), but I am holding.
Any idea what’s up with FI these days?
KMB LRN FI OPEN NBIS META NVO DNN. Buy and hold. When its green, sell
Buying FI I loaded up on DUOL and HUBS last week soo hoping the fly
I typically do LEAPS with 30% or more dips. Strong fundamentals. I am currently in 4 dips: TEAM, FI, STZ and DXCM. Really considering MOH. Looking to add 2-3 more after Jan.
I bought $FI LEAPS expiring in 1/2028. FIServ is at an 8 year low and its hard to imagine one of the largest payment processors in the world is going to languish at such a low price given how good their fundamentals are (at this new price level)
Don’t say stupid things like this, you don’t know for sure, saying these things are a lot more damaging than you really think because it gives you a false sense of knowledge over something that you virtually cannot have knowledge over, it is allocating and leaving a certain level of preeminent and inexcusable doubt over some portion of why the market is moving this way that makes you profitable. - Macro Trader in Tier 1 FI
i been telling everyone until softbank drops to feb 2025 highs, DO NOT buy in, the stock will keep correcting. we are only 3% off ATH but half of S&P are in bear correction. we will get FAKE +1% days but its a downtrend half of the S&P stocks are already in bear correction, some are even down 70% from ATH. look at ELF, CELH, FI at recent examples. When the big tech and semiconductor goes down, everything is going to collapse. META looks cheap? clearly u havent seen META drop from 400 to 100 in 2023, same thing is happening right now, META is going down to 300, dont be a fool if u had a brain to ride the hypetrend up since may then learn to get the fuck out or learn to short
FI PYPL TGT There. Now mods, ban this guy
#WE DID IT, we took FI from $132 BILLION market cap to $33 Billion
Fun times, if you like tragedy of RSI look at FI
Bro how low is FI going to go? 0?
Entering FI. That ridiculous drop doesn't make sense with the financials.
FI at its lowest weekly RSI since October 2002. Personally adding a TON of shares and calls here. GOOD LUCK ALL
In the 1970's Eastman Kodak, Sears and Roebuck, Xerox and Avon were top 10 companies by market cap. That's right, that's your MSFT AMZN AVGO META GOOGL of early 1970's. Yet holders of the index from the 1970's are still up substantially from then, despite 2 of those companies becoming insolvent. Over time their weights dropped, until they were out of the index completely, and some new upstart replaced them. So yeah, that's how the index works. You are protected from individual names that fall from the top, because you are holding other stocks that counter balacne their losses - that concept in the stock world is called diversification. In the current index it's those top heavy techs that cancel out the capital losses from your UPS and FI and such.
anyone else see what happened to FI Fiserv? i think it's a buy.
Short term: Uber call Mid term: AAPL call thru Xmas (if affordable) Long term: LENZ call leap 2-3yr, FI call leap
I sold NVO for FI, soooo uh. It's going well?
Personally, I opened a position in Fiserv (FI). Its clearly undervalued here, with traders and reddit investors overreacting at the drop. Everything is a good buy at the right price. Even at reduced guidance, it is still trading at a forward PE at 9, versus a historical level near 20. Upside from current price of 65 dollars is probably 50 to 100%. Downside might be another 30 percent down. Ill take that risk reward every day.
CIao, ho indagato e ho trovato una comunicazione di un groppo legale: LOS ANGELES--(BUSINESS WIRE)-- The DJS Law Group announces that it is investigating claims on behalf of investors of Fiserv, Inc. (“Fiserv” or “the Company”) (NYSE: FI) for violations of the securities laws. INVESTIGATION DETAILS: The investigation focuses on whether the Company issued misleading statements and/or failed to disclose information pertinent to investors. On October 29, 2025, Fiserv reported disappointing quarterly earnings and also cut its forward guidance. CEO Mike Lyons told investors, “One of the key takeaways from our analysis is that Fiserv’s growth and margin targets need to be reset.” Based on this news, shares of Fiserv fell more than 43.6% in afternoon trading on October 29, 2025. If you are a shareholder who suffered a loss, contact us to participate. WHY DJS LAW GROUP? DJS Law Group’s primary focus is to enhance investor return through balanced counseling and aggressive advocacy. We specialize in securities class actions, corporate governance litigation, and domestic/international M&A appraisals. Our clients are some of the largest and most sophisticated hedge funds and alternative asset managers in the world. The litigation claims of our clients are extraordinarily valuable assets that demand respect, focus, and results.
FI looks like a good buy, huh? There only mistake was getting busted fudging their numbers like everyone.
Want to see something even better? Now the loss isn’t quite as big but have you ever seen a leap go -90%? Lost big on FI earnings. Could have sold for breakeven but held of course. I too can use a Wendy’s application
Let’s hope FI drops to pennystock so we can squeeze it like BYND 🤣🤣 lololol
Bought some FI 65C's for Januari 2026
What makes you think I'm not? But is this a blanket forum, for investing in FI, real estate, precious metals, or rare collectibles? No. Which leads me to believe why you're even here, posting this dribble telling investors that financials don't matter. I was warning everyone in 2023-2024 to get our of AYR because their debt wasn't manageable. Would you rather take a 50% haircut on a stock that can recover and go on to future gains, or put your money into an asset that is destined to go to 0.
I bought in the 50s,thinking of swapping this pos for another pos FI. LOL
Mods had calls on FI, META and MSFT, puts on AMZN this week and are scrambling
Man its just FI, i had some ford puts though
FI looking like a juicy bird for an M&A right about now
FI has to bottom soon right ??
bought FI at $74 yesterday
Aight dude, you gotta calm down. You're right that these companies aren't comparable to UNH directly, they're more comparable to CNC. My thesis is that for these 3 companies (and CNC) there's a floor (assuming no bankruptcy, which I only see possible for VRNS). The floor being a depressed EV multiple assuming depressed earnings in the future. That's different for each of these stocks, but using FI as an example I think that's somewhere around 45-55. For me, the RR here is losing 40 points (from my entry, which wasn't great) vs making 40-100 points depending on the outcome. It's a \~2:1 RR where the only irresponsible thing is the size imo
CMG, FI, META…..WTF DO I BUY???? So many dips
Loading up on $CMG and $FI after these horrendous earnings
Im up on everything but FI calls LOL. GLD, SLV, GOOG carrying
Under your desk? But seriously, always keep some cash/short term FI in your portfolio. During large market-wide down moves there is always opportunity. Momentum is often the inverse of value (in up markets also!)
nope, ive lost a ton already on FI calls, faked me out two days in a row buying the dip, dont do it
ALRIGHT, we are either making a TON or we are going to Wendys. Swinging short term FI calls
should i just sell the FI i bought yesterday now?? this shit looks like it’s heading for 0 lmfao
Knew FI calls were too cheap to be a good play Maybe tomorrow
Wtf are you smoking? What about NFLX CMG MSFT CVNA SFM FI ?? I could keep going.
UNH is a massive company, what the fuck are all these ones you bought? What is their MOAT? Only FI is not a penny stock by market cap, the other two are random no-name companies. Look at the last couple of times FI had a major drop. The best you were getting was a 10% gain but every time over the long run it continued lower. Not good.
you need to prove why they're irrational rather then just outright assuming that they are. looks like FI you're already down quite a bit, LRN as well, only VRNS you're up, and barely up - not enough to make up for the losses of the others. good job I guess?
Just loaded the f’n boat on FI (fiserv) it’s on a fire sale after earnings
PERSONALLY LOADING this FI and CI dips
FI LRN META its recovery time baybee
everyone thinks the market is just 1% off all time highs, but if u noticed in the past week 90% of S&P 500 components are down 30%, 1 by 1 each stocks is going a correction FI, CMG, BAX already down 30-50% in 3 days
It's on sale! Might have to take my ULTY dividends and buy FI!
Wonder how my FI puts will do today...
Alright FI I know u wanna dump just go ahead