Reddit Posts
Want to supercharge my family's portfolio and need your help
17 and investing in a taxable brokerage instead of Roth IRA am I missing something?
13k from an old 401k, FI told me to throw it in the stock market.
Anyone else tracking like 7 different investment accounts manually every month or just me?
Is Shift4 Payments ($FOUR) sell-off a massive overreaction?
Market overreacted and I am a contrarian
Fiserv's former CEO left the fintech company in crisis. Trump put him in charge of Social Security.
Fiserve ($FI) Fire Sale! Overreaction on Earnings
Help - should I pay for someone to manage my account
23 y/o – Advice on setting myself up for FI with ~$55k invested/saved
Sold $45,000 in stocks last month, portfolio has grown back up by $64,000 30 days later!
Portfolio Advice: Can I be more aggressive with my investments?
Come hounds of hell, I bring meme tribute. Take me to your leaders. I came in peace. Live long and prosper.
I need someone to explain this to me like I’m five.
Congress Member Josh Gottheimer filed 46 trades last week. He's made almost 500 trades in the last 12 months (!!)
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
You have a long time for those FI calls, you'll be fine. How long do you have before your broker kicks your door in for the $550k you owe for MU?
Is Google a semiconductor company? Google is not in a bubble, the semiconductor stocks are. That’s really it. Enterprise models can be utilized without the memory component; I know of one large FI already using Anthropic LLM without all the need for memory compute. The architecture is changing. Worst word in markets: “this time is different”. Feels like we have majority of investors in their 20s or early 30s that have no idea what a cycle looks like.
Excited to announce my FI/RE number with the gains from my port. Now all I have to do is liquidate my incredibly valuable vintage LEGO collection and I’m set!
Right now off the top of my head in what im involved from a large FI corporate perspective: Managing emails - use LLMs to figure out emails by topic and bundle the information between emails (I.e. requests, attachments, etc) and put ppl involved into meetings or pre-solve some topics. Automatic escalation to higher management in case the emails get too hot. Process hundreds of 300 page documents to extra specific conditions, terms, etc and build (and update) the database. In finance, we use an internal machine learning model fed payments data to identify who might be paying late and escalate collections in advance. Default prediction model combining financial data with soft facts and public news to predict corporate downgrandes. Scrape earning calls, fed meetings, etc to get sentiment on company developments or interest rates. Agents are also really great as management front-end or reporting purposes. If a division head or an auditor need to see something specific, but they have no idea or dont want to navigate dashboards, you can just have the agent pull it. My overall goal work-wise is to get every department with data on the same data platform we have, so for the first time in 100 years you have actual data connectivity across the organization. On a personal side, I had no coding background beyond vba and some basic data science until couple years ago, but im trying to build and backrest various models where you combine historical data, hard parameters i set and how certain data points are processed. Claude has also saved me thousands for my whole garden revamp which turned out amazing. Loaded my last 10 months expenses in chatgpt and it cut my fuel bill in half because I was taking the wrong road to work (moved recently to a new town).
Boomer stocks with pricing power are just fine. Walmart can hike egg prices Trouble with whatever the fuck generation you are is you are too cool for boomer stocks, you wanna live in a nonsense Sci FI world (based, ironically, entirely on the boomer pulp of Amazing Science Fiction in the 1950s and 60s) of Electronic Superbrains!!! and Space Rockets!!! to Martian Colonies!!! so you're not like the old folk. Which will work till it doesn't and you discover too late that rich is even better than cool.
25 is the perfect age to make mistakes and learn from them. Keep going. You’ve barely started life yet. Trust me, you’re already making moves. Good or bad, the important part right now is the experience you’re gaining from them. Ten years from now, you’ll probably be Coast FI and glad you made some of those mistakes early on.
But why? I can’t see why David Evans (CFO) would put in a significant stake via open market if there was no light in tunnel (UK Market, New FI Partners, Positive FCF)
The war is over 🥭 says all the while... https://youtube.com/shorts/qdw0A4kS0FI?si=LYU3YDzEMaa3W-ra
Solid NU earnings yesterday. Big 33% surge in q/q credit loss allowance, apparently driven by seasonality, portfolio growth, and product mix shift towards higher-risk segments. Management said it was expected and used the 90+ day NPL ratio declining 10bps. Meanwhile ARPAC was up 23% y/y and grew sequentially q/q despite Q1 usually being soft. LDR jumped from 48.5% to 58.3% y/y as NU moves aggressively into credit. 17.6% efficiency ratio is nuts. Mexico hit break-even as they crossed the 15MM customer mark, and NU is now the 3rd largest FI in the country. There's a massive TAM there. Colombia is a few years behind Mexico on the same curve and just crossed 5MM customers. Their US expansion has begun but they are being extremely deliberate and careful. They say there will be no scaling beyond the initial phase until they find product-market fit and a credible path to profitability. It seems too obvious that they'll target the underserved Hispanic population first, which is something like 60-70MM people. If you're investing in NU for the US expansion, you'll probably be disappointed. I don't think it will have a meaningful impact to the top or bottom line until at least 2029. Currently down 3.8% PM. I'll probably be adding to my position today.
I don’t think 🥭’s airplane has WI-FI to post
Is everyone here like me. Trying to yolo their way to FI/RE? Because fk working.
Stacking Benjamins in quirky but has info in there. Afford Anything has a ton of good q and a stuff. Personal finance for long term investors has some decent info. These three have overlapping people, but a lot of solid info. Bogleheads and Choose FI both have good stuff too. I look at all of these as places to hear takes on strategy, and for the most part they don't try to sell you investment stuff (just the usual ads). Marketplace. Planet Money. The Indicator. All good for bigger picture financial news.
Start with VOO for stocks. Any cash should be in SGOV. If you want a bit more risk on the cash/FI side you can look at high grade or BB (highest quality high yield rating bonds) that give you diversification, liquidity, and a bit more yield than SGOV. Do this on any brokerage account that you control. Forgot this Fidelity crap.
Continue to max 401k/IRAs, but largely stopped contributing beyond that. Spending more on kids. Just coasting to the ever moving finish line (FI % in relation to spend + buffer) and wondering what I should do as I approach it over the next 10 years. Set up fund earmarked for mortgage payoff, start creating bond ladder to reduce SORR, wth to do about health insurance, etc. Otherwise just feel fortunate to be in this position and lament how difficult it will be for the next generations.
If that 19 year old did that for 5 to 7 years and then went to a normal 15-25% he could FI/RE before 50.
Probably depends on what you do with FI. If you just continue your same job then yeah I can see that. I'll probably change careers entirely when I eventually hit my FI number.
I started at 30. Now I’m ready to retire next year at 43. Hit my FI number last summer
This might be a function of general life goals. If you are trying to hit FI for the sake of it, I can't imagine it does anything for the sense of euphoria. More like a "now what?" deflationary moment. But if you have other aspirations, suddenly those are unlocked. Want to learn something, go somewhere, achieve something, try something ... I cannot imagine the incredible sense of empowerment if suddenly I had nothing better to do than all the stuff I am excited by. I get a taste of that now, because I only have one child and I am financially comfortable. But if I ever hit FI to the point where I can RE, the time that gets freed up will change the course of my life, without question.
Not FI, but quite comfortable. a. I frequently recognize how fortunate I am to not have to worry day to day, week to week, month to month about paying bills or affording the things I want. I don’t have a comparison point for how more or less peaceful it would be at this point vs. having that concern, but I’m sure it’s relatively more peaceful to not have it. b. I still focus on money, but more from the standpoint of value. I don’t spend money haphazardly, and don’t enjoy the “finer things” as far as high fashion, expensive name brands, hot new tech, etc. Material things just don’t motivate me that much, which has helped with wealth accrual. I focus on money in the longer term and getting to a point of FI and retirement as soon as possible without sacrificing living my life in the present. c. There is some level of emptiness once you’ve reached a sort of “set it and forget it” stage. I *could* make more money, and would like to make more money to achieve FI even sooner, but I don’t seek out new jobs or work to grow from a career progression standpoint because I just don’t care that much at this point. I’m more than comfortable with where I am earnings-wise and don’t care about status and the trade-offs that come with more authority in the corporate world. Someone said this years back and I think it runs pretty true: money doesn’t solve all of your problems, but having it avoids the creation of problems that not having it brings about. In a vacuum, I’d rather have more money than less, but it isn’t the end all be all of life and happiness.
Nope lol. I hit my original FI number a few years ago and it was the most anticlimactic thing in the world. I was genuinely depressed by how fleeting it was
Im 36 with 1.2 mil right now. My priorities are shifting heavily away from strict savings rate and toward making tons of memories with my family. I have two young kids and it feels really good to be able to take vacations now without worrying about saving. We are planning to take a year off and travel the world in 6 years with our kids. After that, we will both likely reduce to part time work. No emptiness here. Just fulfillment. Not really planning for the RE part of this. More just enjoying the FI.
I’m fully aware of SWR (hence said that it won’t make you FI), but the statement was “a 1m portfolio only earn you at best some teen-k per year”.
A 1m portfolio should get you anywhere from 70-100k per year. Even a savings account will give you more than “teen-k” per year. Not saying that 1m will make you FI but if you don’t touch it (and keep adding) for another 10 years or a bit more you’ll eventually be FI…
> not understanding the fire reference...retire early? Yes, there's too much to write here but FI/RE is Financial Independence / Retire Early. Even if the *early* part isn't applicable for you, the many resources for this financial movement / philosophy can help you prepare for retirement. In the meanwhile, check out /r/fire
Have you looked at Sequence of Returns Risk or the idea of FI/RE? If not, you have some things to read over the next 1-2 years. congrats!
[Old graphs of diversification](https://www.investopedia.com/thmb/iFrZ9vv_i_iRXoyJ4TjRm-a_9FI=/750x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/DiversificationMyth1-5c0584cb46e0fb000164e281) show a significant reduction in risk as one goes from, say 5 stocks to 20 stocks, but the rate of reduction in risk diminishes as one reaches a certain point. As the portfolio's number of stocks increase, the portfolio's returns will more closely approximate some index in which the stocks appear, at which point, the investor has to ask "Why not just buy an index fund? That way I get the peace of mind from diversification, and don't have to spend time and energy trying to research and manage 30+ stocks." Some have argued that those old graphs are an inaccurate assessment of risk: https://www.investopedia.com/articles/stocks/11/illusion-of-diversification.asp
I have made more money when I said FI and went all in !!!!!!¡ Good Job!!!!
No idea but no issue with it crashing all it wants before my target FI age
You don't build a portfolio in a vacuum. You need to decide what purpose/goal your portfolio has to serve. For most people, investing life phases are split into 3: accumulation, transition and distribution phases. If you are working towards a goal like financial independence (FI) and know how much you need in liquid investments (typically 25x your annual expenses based on the 4% rule of thumb), then you start accumulating with 100% equities. What you got now with 80% in VWCE (global large and mid cap) and 20% small cap value is a great combination for accumulation. What you need to focus on now is not how to tinker with this, but to increase your savings rate. When you reach about 80% of your desired pot for FI, you slowly start adding alternative asset classes that will help reduce the volatility of your portfolio. Until then, stock volatility is your friend. I wouldn't add any bonds until the transition phase.
Yes and it is intentional. I'm FI-focused and the simplest path to my number is maximizing contributions to low-cost index funds and letting compounding do its job. Total market index in my 401k, S&P 500 ETF in my Roth, and a two-fund brokerage account. The volatility people keep referencing is actually an opportunity for me to buy more units at lower prices. I understand the concentration concerns but for a 10-15 year time horizon the evidence still points toward staying in. The people who get hurt are the ones who sell during drawdowns, not the ones who hold through them.
Hood below 50 ok to enter for long term or a quick swing trade post recovery, So FI below 13.5 is fair. The rest of these ..could care less
My bio says “retired adventurer.” Thats absolutely accurate. I’ve been FI for several years years.
Depends on your definition of wealth. Your current path is through labor- work hard(as an employee), keep expenses low, and save money. You’ll retire on time and comfortably , as long as you avoid divorce and kids. Wealth that leads to FI or FIRE comes from taking risk and being the owner- own the capital, start your own business and grow it. Only you can judge if you’re suited to the risk of entrepreneurship.
You aren’t looking at the right indicators. Look at S5TW, S5FI, S5TH, AAII surveys, fear and greed levels, etc.
This is what we would call an echo. The dilemma is who is exposed to private credit? And what happens next? The players: mega asset, large asset financial institutions and private equity. Private equity is the scary one because they aren’t required to protect their loan unless their PFI required it via covenant. The banks will be fine unless the government/regulators crack a whip and see get to net zero exposure by either buying bonds/holding reserves, or selling the loans off - but to whom would they go? That’s the major crack. A likely scenario is a required write down of the assets, charge off the loan, and allow the borrower to pursue refinancing with a traditional lender at the modified loan amount with a government guarantee (much like the HARP program). Require the FIs to hold a higher capital threshold (say 12-14% instead of 10-12%). And obviously penalize via SEC, and bank regulators for the next 5 years and restrict growth again. Further restrict lending/cap loans from non-FIs. If a company wants to be a non-FI institutional lender, require them to purchase insurance much like brokers buy SIPC or banks buy FDIC insurance. Because they are creating a systemic issue in the credit market they get to be regulated now since they can’t be trusted. Further, any borrower who had this type of loan go bad should be restricted from utilizing another government-backed loan and a permanent mark should be placed on the principal’s personal credit and business credit. Any bailout awarded to individual business or lender should be required to be paid back at a rate of 500% of amount awarded and an interest rate equal to their calculated NIM plus fee income. Any collected proceeds should then be returned to the bailout fund until the 500% threshold is reached.
Thank you. WI-FI better work back and forth or I am down for two full days.
Work for a FI and I’ve never seen straps of 125 bills. Bizarre.
I have a large position in mlps because it often(sometimes, like this week) behaves like FI in response to certain events. not always though so thats not investment advice
There is no such thing as 'early' FI without having regular retirement covered. Do you? You can't effectively say for early retirement before you save for regular retirement ... not unless you plan to go back to work in your 60s after not working in the decade or two before. I know it seems a long way off, but don't think of it as saving for 60. Think of it as saving so that when you hit 30, you'll be *on track* for retirement and won't have to panic about not having retirement savings like so many people do. The thing about retirement accounts is that you only get so much contribution space per year, and you can't get it back after you waste it. Taxable money you can save as much as you like - so catch up on that later.
I’m aiming for coast FI. Around 400000 contributed in the next 6 years.
To get FI characteristics ig? And it's inflation hedged?
I think this view is flawed or missing an important part to how to achieve FI before 60: your main focus in the first decades should be to maximize your earnings. Good skills in a well paying vertical will get you further than saving 50% of nothing.
I started investing when I was 23. Since then I have never put less than 15% of my income away. I would not really consider stopping work now but I like that I have a big cushion in case I had an interruption in my career. Going by the 4% rule I could withdraw up to $60,000 a year but I would have to pay taxes out of that. I also have a company vehicle that would need to be replaced and health insurance would be very expensive. I actually enjoy my job and the benefits are great. But I'm also at the point where I could be completely "coast FI". Meaning that I don't have to keep putting money away. I can just wait for what's already put away to grow.
Two pods come to mind that are geared toward 40s, 50s, 60s. Retirement-focused. [Catching Up to FI](https://podcasts.apple.com/us/podcast/catching-up-to-fi/id1664430924) \- many of their "gen ed" episodes will be particularly helpful to you. [Personal Finance for Long-Term Investors ](https://podcasts.apple.com/us/podcast/personal-finance-for-long-term-investors-the-best-interest/id1553180943)\- the AMA episodes in particular are full of real questions from people in your position, excellent answers that are easy to understand and implement.
I didn’t specify what kind of institution I worked at- there are FI’s that exist beyond hedge funds and banks. Credit analysts, insurance underwriters, and financial regulatory agencies all evaluate companies like this on a regular basis. It’s a NASDAW listed company, microcap POS or not. Believe me or not, the numbers check out. It’s all public information, look at it yourself.
Most of my unrealized losses originate from Crypto proxies and UNH, PYPL, FI stocks...I'm sure UNH will eventually recover later this year, but not sure how long it will take for Cypto proxies recover (or they will ever) .
That is essentially #3. The very original definition of the FI.
https://efaq.com/autism/lp/quiz?utm_medium=cpc&utm_source=google&utm_term=autism%20test&utm_campaign=en_ww_goog_s_efaq_autism&utm_content=&utm_adgroup=&utm_campaign_type=search&utm_network=g&utm_matchtype=b&utm_creative_format=&utm_marketing_tactic=prospecting&utm_placement=&utm_audience=kwd-40074131&utm_device=m&utm_position=&utm_language=en&utm_geo=G9005199&utm_vertical=autism&gad_source=1&gad_campaignid=23469071262&gbraid=0AAAAA_rtMltOaMHdOhUCYGLorg5FGXiLc&gclid=Cj0KCQiA-YvMBhDtARIsAHZuUzKd8sjSkFw13zXmqKUt1_9If0FI-WbYhXTAuoSlaoUPN7vMq5BV47UaAqZOEALw_wcB
Trust me. If you just start setting aside 10% of your income in passive funds today, your future self will thank you. Once you hit your 40s I don't care what your job is, you rather not be doing it. There are some good subreddits if I would recommend like r/fire (FI/RE - Financial Independence & Retiring Early). For passive investing check out r/Bogleheads . The math is simple yet eye opening. If you put aside 10% of your salary and invest in the broad market (averaging 7% returns historically), you be able to retire with enough invested to live on your working salary while retired forever (see 4% rule) and typically have your principle left to pass on to your heirs.
You're a bit late to that party. Eurobonds already exist. They were extensively used during COVID, during initial the invasion of Ukraine, and most recently instead of seizing Russian assets. I think you're quite under informed on what's been happening in this space, as you're still repeating the expired talking points of the frugal nutjobs (DE, NL, AT, FI) of 10 years ago that even they have abandoned. PS By your argument, the US should not issue bonds since the credit worthiness of every state is different. What captrap! Also, the EU gets BETTER rates together than the Germans alone, not worse! It is larger and has bigger capacity to pay.
all of them yearn to shoot "the other side". So much projection in their talk of "the other side" too. FI.FT.
T-Mobile has slowly but surely become the best carrier in terms of coverage. Sadly, their customer service has gone down the fucking shitter. Took me months of throwing money away - after I had switched my phone to another carrier - before I was able to cancel T-Mobile completely. I didn't even owe them anything for devices or anything like that, and I never had a contract. Google FI is goated. You get T-Mobile's network with zero customer service. It's all self service rather than dealing with "customer service" that only exists to prevent you from cancelling your shit.
When working, I was a 'set & forget' investor, riding the ups & downs without much thought. I didn't fear downturns, as now we're buying cheap. Now that I'm retired & living off the investments, I'm a wreck. Probably too heavy-weighted in equities to off-set inflation & withdrawals, but fear a down turn. I don't really 'get' bonds as they've low yeild & not safe either. But conventional theory advocates for them, though wildly as a percentage. A FI is the typical recommendation to help, but I won't give a random stranger that much money for an opinion. And opinions vary greatly & are not objective. IMHO, FI is a profitable business as hope sells. But hope, while comforting, isn't resolution. Logically, I know what needs to be done. Emotionally, its difficult to do. Fear of making a mistake? Absolutely. Greed? No, but I do need a trajectory where I don't run out of money & can recover from a downturn or two. Unfortunately, no pensions, royalties, or rental income, so my model relies heavily on equities.
Buybacks would imply that they have nothing better to do with their cash. PayPal is losing their moat because every FI has started to streamline their payments processing systems. They need to invest in themselves, not in you the shareholder.
15% Bitcoin exposure is generally considered high. 5%-10% is a more common. Nothing wrong with your portfolio though, simple and efficient. You're 100% on the right track to FI.
Would the parents' investment assets not count in the same way? Like, for example, in a FI situation where the parents' income is not that high but they have substantial investment assets. Would the 529 be a "worse" place to have money for financial aid purposes?
A funny part of my feel that Maduro is still safe in Venezuela and they caught a body double with a mask. https://youtu.be/gu4d9dzt-DY?si=1FI0mMVkKcikoZG_
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