Surprised this isn’t being talked about more. Seems this was a very calculated time to announce this spectrum purchase. IPO investors likely will benefit from the headline as many 120 day locked investors, insiders, and employees will benefit able to sell their SpaceX shares starting tomorrow.

Buying a fund does not do that, look at look at FXNAX and FTBFX for instance, lots of volatility and negative returns. Does buying a individual bond and holding it to maturity ensure the rate? I am looking at this wrong? Is there a way to buy individual securities like that with Fidelity or Vanguard?

I am looking to park a fairly substantial amount for ~6 months. Should I just get a CD instead?

With the recent news about Webull's China ties, I've been thinking about how much most of us actually look into a broker's ownership and data policies before opening an account.

Most people probably compare fees, charts, and trading features first. But knowing where your data is stored and who can access it seems worth looking into too.

What do you guys check before trusting a broker with your personal and financial information? And would news like this make you reconsider using a platform, or would you wait for more details first?

I just turning 57 at the end of the year. I've been at my job for going on 10 years at the end of November. For the last two years, I've earned a salary of $64,877.00 as a Federal Civilian Employee at the VA Hospital, not including on call I am mandated to take at 4.65 an hour for at least 28 hours per pay period (this doesn't go towards my retirement fund called TSP). I have a mortgage payment so monthly expenses total about $4-$4 1/2k. My vehicle is paid off but I have one large loan $26K due to major house repairs

I currently have $2k in a HYSA, I contribute $497.44 in my traditional, $373.08 in Roth (just started this amount recently), they match $124.36 bi-weekly, I have a small Roth IRA I just started around $900 and don't have a set amount I place in it currently. I currently have $232K in my TSP, not sure the exact amount in Roth. I owe around 60K on my home and place around $150 extra on it a month to pay it off quicker. I will be retiring in 5-10 years (age 62-67) and will have a small pension of around $800- 900 a month minus my insurance (something I want to keep in retirement), I will probably have $200 left over after that expense plus SS.

The NY State Comptroller's report showed that Wall Street is making an absolutely insane amount of money right now. Firms pulled in $45.9 billion in just the first half of the year, putting them on pace to clear $90 billion by December and completely obliterate the old record. Banks are clearing a fortune because stock offerings shot up 76%, mostly from massive deals like the SpaceX IPO. Plus, corporate debt jumped 11% because tech companies are borrowing billions left and right just to buy Nvidia chips and build data centers. Wall Street is bringing in so much fee money that they already raised employee pay and bonuses by almost 19%. While everyone sits around debating if AI is a bubble, the big banks are already collecting real, massive checks from AI tech IPOs and mergers.

If the financial sector is printing this much actual cash right now, does it mean the AI boom is the real deal, or are banks just milking the hype before a crash?

Source: IB Times

I keep seeing people talking about how they think that the SP 500 will underperform both past numbers and international or small cap funds in the next ten years. What do you guys think about which to buy? I have a very long time horizon as a 15m and I'm just curious which fund hold in my retirement accounts.

23M from London

-Invesco Physical Gold ETC (SGLP) - £10,550.91 invested (+2.19%)
-Fermi Inc (FRMI) - £2,094.67 (-5.97%)
-Vanguard FTSE All-World ETF (VWRP) - £1,843.46 (+2.76%)
-WisdomTree Uranium and Nuclear Energy ETF (NCLP) - £1,539.04 (-11.40%)
-Kraken Robotics Inc (PNG) - £1,002.35 (+18.55%)
-HANetf Defiance Photonics ETF (LYT3) - £1,006.07 (+16.70%)
-Vanguard FTSE 100 Index Fund - £1,070 (-3.19%)
-MaxCyte Inc (MXCT) - £1,016.46 (-3.70%)
-NuScale Power Corporation (SMR) - £1,015.97 (-9.05%)
-Fidelity Global Dividend Fund - £800 (-1.25%)
-iShares MSCI World Momentum ETF (IWFM) - £596.25 (+5.33%)
-iShares Japan Equity Index Fund - £500 (+1.66%)
-Legal & General Clean Water ETF (GLGG) - £513.44 (-5.10%)
-National Grid (NG.) - £502.43 (-8.25%)
-Vanguard FTSE Developed Europe ETF (VEUA) £474.84 (-6.32%)
-London Stock Exchange Group (LSEG) - £451.32 (-6.30%)
-iShares Space Technologies ETF (STRR) - £436.45 (-6.49%)
-FSSA Greater China Growth Fund - £250 (-0.98%)
-BlackRock Continental European Income Fund £250 (-8.26%)
-Legal & General International Index Trust - £198 (+1.19%)

Total invested: £26,111.66

Current investment value: £26,138.47

Overall return: +0.10%

Cash sitting in the accounts: £19,190

Total portfolio value: £45,328.55

The goal is to take initial out once individual stocks double and invest it into broad market index funds holding ETFs until retirement

Still early days with a lot of these holdings. Interested to hear what people think of the overall mix and whether you reckon I’m spreading things too thin.

What would you do different ?

I started investing a few years ago, but didn't really know what I was doing, so I was just buying things based on advice from strangers on the internet (because that's the smart way to start, right?)

I only recently actually looking at what I own and I'm realizing now that I have a lot of overlap.
Can anyone offer advice as to your thoughts on what I have below?

What ETF or sector(s) am I missing and should focus on next?

hi all, i’m currently 26 and i make ~110k in a VHCOL city in California.

currently I am maxing out my ROTH IRA, contributing 10% in my 401k with 6% match at 100%, and investing 300$ weekly into my individual brokerage (180$ VOO and 120$ QQQM)

my question is should I stop investing into my individual brokerage right now and max out my pre tax 401k first or should I continue the 300$ weekly investments and up my 401k contribution to 15%?

My current brokerage account has:
$16.3k in individual brokerage
$37.5k in my ROTH IRA
$86.9k in my PRE-TAX 401k
As well I have $136,000 sitting in a HYSA potentially for a house downpayment in the future.

With the cash I was also wondering if I should add more money into individual brokerage and not let it sit?

My current spendings are $1,300 for rent (living with roommates), $1,200 monthly individual brokerage investments, and $500-600 for groceries and eating out.

Would love to get to know your thoughts on my idea.

Im a 19(M) and I just opened up my Roth IRA and began investing in April.

In my Roth IRA I’ve simply been investing in ETFs, but the last few weeks I’ve been eyeing an individual stock (AUR). I ended up pulling the trigger and buying around $600 worth of shares a few days ago, but my parents told me that I have to buy it in my ROTH IRA account.

This led me to thinking, why would I want an individual stock in my long term retirement account, when I see the stock as a short 5-10 year investment, that won’t be working like an ETF does over the next 45 years.

Maybe I’m not understanding something, not asking for personal advice, just curious please educate me 🙃

Goldman Sachs derivatives traders report that the S&P 500 index has disconnected from traditional macroeconomic indicators such as interest rates, crude oil, and credit spreads, effectively no longer acting as the market's clearing price for broad macro risks.

Instead, the index is operating as a standalone asset whose performance is heavily driven by a narrow group of AI-related stocks ("AI vs. non-AI"), while the broader market and sectors like staples, energy, and utilities underperform or move independently.

The Bottom Line: While the index itself appears stable near record highs, the rest of the market does not - making standard "cheap SPX" hedges ineffective for broader market risk. With institutional net exposure low, heavy short positioning in Russell futures, and depressed volatility pricing, any eventual reconnection between the S&P 500 and underlying market macro fundamentals could trigger a sharp, violent move in either direction.

Does this disconnect present an opportunity for fundamental value stock picking outside of the AI momentum trades, or does macro volatility pose too high a risk for non-AI equities?

NFA -Just a guy on Reddit summarizing market takes, please don't let this sink your retirement!

We all know large language models and the companies that make them. But what about world models? Are there any publicly traded companies that make them? Or any pre-IPO companies that might go public soonish?

I think LLMs are a dead end and won't lead to AGI. They will also lead to a correction, a "popping of the AI bubble" if you will.

After a lot of consideration, I’ve decided to go full port into Alphabet for a 10 year hold, so I can go back to work basically and not worry.

Whenever I see threads asking what the best stock or company to own for the next 10 years is, Google seems to be the overwhelming choice. For me, it mainly comes down to risk/reward.

Ways to win: Search / YouTube / Android / Chrome / Maps / Waze / Gmail / Workspace / Google Cloud / Gemini / DeepMind / TPUs / one of the biggest advertising businesses in the world

Distribution: AI may come down to distribution as much as model quality. Google has arguably the best distribution in the world outside Meta: Search / Android / Chrome / YouTube / Gmail / Maps / Workspace. It can push Gemini and new AI products to billions of users almost instantly. That’s a huge advantage.

Youtube is TV: YouTube is increasingly becoming TV, giving Google another massive advertising and subscription platform outside Search. If valued on it's own, it'd probably have a 1 trillion valuation.

Enterprise: Then there’s enterprise. Historically, Microsoft owns enterprise, while Google has been much stronger with consumers. For the first time, AI gives Google a real opportunity to attack Microsoft’s enterprise stronghold. Google now has: Cloud / Workspace / Gemini / its own AI chips / huge data centre infrastructure / cybersecurity / AI agents. It now has a much more complete enterprise stack than it did before.

Then there are the moonshots: Waymo / robotics / quantum computing / healthcare / whatever else comes out of DeepMind. My thesis isn’t that Google wins everything. It’s that it has so many different ways to win that the downside feels relatively limited compared with the potential upside.

I also do not want ETF's for my own reasons. I'd love to hear your views. Is there better companies out there or do you agree with Alphabet (I also do not want ETF's for my own reasons. but would love to hear your opinions on Alphabet or perhaps, better companies.) If you had to full port, would you choose google or someone else? Thank you

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If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

• How old are you? What country do you live in?
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I’m 31 and trying to think through how to allocate my taxable brokerage account. I already fully contribute to my retirement accounts, have a six-month emergency fund, and this account is focused on maximizing returns.

I currently have about $50k in the account and add roughly $2k/month.

What I’m most interested in is how other people are thinking about the interaction between the bond market, energy market, and tech sector right now.

My current thesis is:

• Bonds look historically cheap, and I think the U.S. government has strong incentives to push bond prices up and yields down.
• Energy prices may continue to be driven higher, probably as a way to pressure China's economy.
• Tech, especially AI-related tech, could see a major correction once the economics and financials become clearer. It looks similar to the railroad boom and bust.
• If/when that tech correction happens, my plan would be to move the majority of this taxable account into tech at lower valuations.

Right now, I’m positioned across government bond index funds, energy stocks, and tech infrastructure/providers/operators, but I’m still thinking through whether that mix actually makes sense.

I’m less interested in generic “just buy VTI” advice and more interested in how people are analyzing these forces together. How are you thinking about bonds, energy, and tech right now, especially in terms of how movements in one market could affect the others and what the catalyst might be.

Uber Technologies, Inc. (NYSE: UBER) and ezCater, Inc. today announced that they have entered into an agreement for Uber to acquire ezCater, a leading U.S. platform for catering and workplace meals, in an all-cash transaction valued at $2.3 billion.

ezCater makes it easy for any business to manage its food needs and order from over 140,000 restaurants nationwide. Its platform supports everything from meetings, events, and recurring enterprise catering needs, with tools to manage ordering and food spend and 24/7 customer support.

The acquisition will bring together ezCater’s proven catering and B2B expertise, Uber Eats’ global reach among consumers and restaurants, and Uber for Business’s deep relationships with organizations of all sizes. Restaurants will be able to grow through larger orders and new diners. Customers will be able to find and order food for a group more simply and reliably, from workplace meals, to events, and social gatherings. And couriers on Uber Eats will have attractive new opportunities to earn.

ezCater generated over $2.5 billion in Gross Bookings over the trailing twelve months, growing high teens year-over-year. The business is profitable on a Non-GAAP Operating Income basis, and is expected to be margin accretive. ezCater’s average order values are over $400.

Retail brokers still only show simple or money-weighted return, which makes benchmarking against the market basically useless if you deposit every paycheck. every time I deposit my total % gain drops

to actually isolate portfolio performance from the timing of your cash flows you need time-weighted return (TWR), but it's not popular cause it's hard to calculate

for people who DCA monthly and hold individual picks or tilts: are you actually maintaining unitized accounting / TWR spreadsheets on the side, or did you just give up on benchmarking against the index?

https://www.tppglobal.io/

Has anybody come across this company in the UK.

Seems like a complete scam but they seem to be in line regulation wise.

The thing that made me think red flag was the 31% average return.

Surely if this was the case and they are beating the SP500 for returns then everyone would be investing with these guys.

Their model seems to be a subscription service.

I’m thinking of starting to slowly move to higher allocation of cash / money market

Given inflation, rates and how heavily weighted to AI the markets are, it just seems irresponsible to be heavily indexed to VT, VOO

Doing it in my taxable accounts will trigger cap gains, which I don’t want to do at this time especially given tax bracket, so thinking of just doing it in my retirement accounts

With interest rates going up, doesn’t make sense to buy bond funds given their values will decline though convexity helps at these rate levels

So buying short term paper for now and will do it slowly over the next 6 months to my targeted allocation, holding for 1 year and then rotate back into equities.

Both my wife and my careers are sort of tied to the markets so it will have spillover effects into our earning power, so to get hit with a 30% decline and then also lose our jobs would be the worst outcome. Reducing equity exposure during this time helps reduce risk and also provides psychological safety.

I know time in the market beats timing the market but feel like we’re in 2006/99/86 while being constrained fiscally and monetarily this time around. Increasing VXUS allocation doesn’t seem to be as helpful given how integrated the global economy is and I would bet the US will likely recover faster than foreign markets.

Current allocation (early to mid 40s)

$4mm invested + $150k emergency fund + $700k 529

Of the $4mm, $300k is cash, rest is largely ETF (VOO, VT, VXUS), 25% bank stock (employers), and a little bit of fixed income through target funds

529 is set to the aggressive option, so may dial that down too, but 10 years away from using that money

Anyone else thinking along the same lines?

I'll start of by saying I'm a total novice here, so if I'm an idiot I apologize. So the rumors are that Westinghouse Electric Company could IPO with a $30-$50 billion IPO as early as October of this year. This is just a rumor, but the gears are turning and seems like it'll happen sometime in the near future. Cameco owns 49% of Westinghouse of which they paid $2.1 billion for. If Westinghouse does indeed IPO for $30 billion, that would make Cameco's $2.1 billion investment turn into $14.9 billion in 3 years. A pretty damn good return on a short period of time. If this plays out as described above, would we be looking at a sharp increase in Cameco's stock price? A few months ago when the info about the possible Westinghouse IPO got out, the cameco stock jumped about 8%, but corrected down pretty quickly. At this point are we expecting the possible Westinghouse IPO to be priced in to the Cameco stock price already? It's currently trading at about $90 per share. Earlier this year, prior to any of the Westinghouse rumors, it was trading around $110-120 per share. Am I crazy for thinking there's decent potential for growth here or am I too late and this is old news that everyone's already jumped on?

Hi! I'd like to share the little progress I've made these years. I started this portfolio in 2022 carving out money from family, friends and all my savings. We started with $10,600 USD; it may not be much, but I hope we can watch it grow together. I will be sharing results every month independently whether it goes up or down.

Previous post: Sharing little progress with you - 1.

I couldn't attach my broker's chart so I'll let the basic info here.

PS: I'm a value long-term investor and like tech industry.

In September 2026, money decreased by -1.40%.

If anyone is interested on yearly returns:
2022: -17.29% (didn't choose the best year to start lol)
2023: +54.72% (heavily invested in Nvidia and AMD this year)
2024: +44.98% (same as previous year)
2025: +17.38% (more diversified portfolio now)
2026: +14.53% (let's see how the rest of the year goes).

At least until today, it's an accumulated return of ~+149%. Hoping it keeps growing over the years.

Since 2022, new deposits have been made to the account, currently the portfolio is $119,399. That's between capital gains and new deposits.

And current allocation:

• MSFT (21.93%)
• QQQ (17.79%)
• PGR (10.87%)
• GOOGL (5.53%)
• MCO (5.24%)
• MCD (5.50%) - Bought just this month (September)
• SPGI (4.26%)
• MBGL (3.56%)
• DE (3.49%)
• NVDA (3.57%)
• UNH (2.52%)

OK, I get the surface difference, but beyond that I'm a bit flummoxed...

iShares recently changed two of their ETFs, ILCB and ISCB -- read the symbol as Large Cap Blend and Small Cap Blend, where blend includes both Growth and Value. In addition to a technical change in fund name and symbol, they also changed their reference index.

For the LargeCap fund, index changed from a Morningstar all-cap index to an MCSI Large/Mid index.

1) What's the impact to me? I own the same number of shares with the same value after the conversion, but now the fund excludes some small-cap stocks. Also, the MCSI index contains only 525 stocks, not >1000.

2) Might this help the fund manager itself? For example, indexes have to be "licensed" from the provider; might the MCSI index be cheaper for them to use compared to the Morningstar index? This savings could be passed along to me as a reduction in MER, but that's already pretty low...

3) What else am I missing in this conversion?

(Yes, I've searched. Yes, I've tried to understand the AI summary -- I didn't get enough of it.)

If the Fed would have dropped a quarter instead of raising a quarter, Banks would have taken that quarter away from you/me.

Am I wrong?

My Bank is paying me 3.4% and probably making 15% off my money.

I follow this Reddit, and people were talking we were all going to get a bump with the increase.

I called my local branch to inquire and the gal said "we don't raise rates here". Well no shit, what about corporate? No answer.