On November 29, the U.S. stock market saw significant price swings in a few stocks, reflecting strong investor focus on some companies' fundamentals. Let’s dive into three standouts—BGM Group (NASDAQ: BGM), UMAC (NASDAQ: UMAC), and KLTO (NASDAQ: KLTO)—and evaluate whether the factors driving their gains could fuel further surges today.

1. BGM (NASDAQ: $BGM)

BGM broke its 52-week high yesterday, soaring over 20% to a peak of $10.60. Investors seem bullish on the company’s growth prospects, bolstered by last Friday’s announcements:

● Strategic Acquisitions

BGM plans to acquire Rongshu Intelligent Technology and Xinbao Investments, valued at $140M, through a share issuance deal. This move strengthens BGM's footprint in insurance and healthcare while integrating AI to streamline operations.

● Industry Expansion

The collaboration with AIX Corporation provides access to a broader market in pharmaceuticals and tech. By leveraging AI for cost efficiency, BGM not only positions itself as a leader in high-growth sectors but also sharpens its edge in the global market.

2. UMAC (NASDAQ: $UMAC)

UMAC stole the spotlight with an incredible 90% surge on November 29. The catalysts behind this rally?

● New Leadership

The announcement that Donald Trump Jr. is joining UMAC’s advisory board electrified the market.

● Earnings Beat

● UMAC’s recent earnings blew past expectations, driven by cost control and expansion in the smart manufacturing space.Growth Potential

UMAC’s focus on AI and robotics innovation positions it as a strong player in the rapidly evolving Asia-Pacific market.

3. KLTO (NASDAQ: $KLTO)

KLTO also made waves with an intraday jump of over 80%, thanks to:

● Tech Breakthroughs

● The company’s progress in neuroscience, particularly in treatments for cognitive disorders, has caught investors' attention.M&A Momentum

● KLTO’s acquisition of a leading biopharma company significantly bolsters its competitive edge in biotech.R&D Investments

A strong commitment to innovation ensures KLTO remains a key player in the sector’s long-term growth.

So, can these stocks continue their upward momentum today?

While short-term trends can be unpredictable, the solid fundamentals and recent developments suggest these stocks have positioned themselves for continued interest from investors. Stay tuned!

I’ve been thinking about the economy lately, especially with everything Elon has said about intentionally pushing for a recession and causing deflation of the dollar. The massive fiscal deficit is also quite worrying. Massive cuts to federal spending could lead to an economic contraction, and I worry the private sector won't be able to absorb the resulting unemployment. Raising tariffs might increase costs and decrease demand, further shrinking the economy. Anyone with cash could benefit, but those in debt will really struggle. A recession could last as long as 9 months.

What are your thoughts on this? Do you think this is the direction we’re heading?

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Hi it is my first time buying options, I have 640 shares of Apple calls 220$ 20/12 I paid 1.544€/share and the option price is now 1.77€/share I would like to ask how much money would earn if I exercise the option? Why the option price is not higher like, 15€, since Apple is now at 235$?

Thanks for the help!

hi! just turned 19 here and wish i started last yr but i didn’t have a job 💔 anyway, i have 1k saved up rn and wanted to know where i should start? idk which youtubers i should watch that are legit or online sources. i just opened a fidelity account and was thinking of just doing FXAIX and FSKAX but idk lol

Not a life changing amount, but want to play it right this time. We owe about 50k in personal debt. $1,500 in retirement (I know, we’re trying to catch up, both divorced and starting over again.) Live in western WA, better to aggressively invest into retirement with a lump sum of about 180k, or put the money down towards a house of around 550-600k? Income for my wife and myself is currently about 130k per year with 3 kids 7-10. Credit score of 700 and 780 so I assume we would get a decent rate. Please let me know if any additional info needed.

I’d like to set up a custodial account for my daughter. She’d making money selling bracelets and baby sitting and I think it’s a good time to get her interested in investing.

Any recommendations for an App? I’m looking to set it up for her with about the $400 she has in a piggybank.

I'm invested heavily in treasuries/MM outside of my 401k because I'm not optimistic about valuations. Looking ahead, tariffs would be inflationary and devalue cash/MM, but I'm even less optimistic about stocks going into the next year or so. Is this just classic pessimism getting in the way of DCA'ing?

Hi everyone,

I’ll preface this with saying I’m Canadian, so I’m investing in a TFSA (tax free gains up to an amount annually).

I started investing a few months ago and have $3k spread between VOO (30%) and then a few stocks I like. I know I need to fix the ratio to lean more heavily on VOO rather than independent stocks for the long term. I also feel like I need to get international or mid-cap exposure as most of my investments are North American and pretty large companies.

What are your recommendations? What percentage of your portfolio?

Thank you!

First off this market is crazy but I’m loving it. I know what goes up must come down. Between PLTR, LUNR, ASTS, KULR, RKLB, and RCAT I’m up over $100k in the last couple months (except PLTR which I’ve had since last year). I’m not used to trading this much and mostly have been just following all the Reddit chats and looking up the companies and making decisions and feel like I’ve gotten lucky but know the market is super atypical right now also. $100k is about 2.8% of my total investments. What would you do if you were in my shoes? Just keep sticking it all out with all of them? Offload some of the penny stocks only? Just looking for what you’d do in this scenario. Most of it’s in a Roth IRA and Pretax 401k.

Just got out of college, and I feel like im already behind not investing anything yet at 22. I’ve done some research on my own, but doing that just made me realize how much more complex and vast investing really is.

So far what I like the sound of is ETFs. From my understanding, they work like stocks and I can buy and sell whenever, but have their own diversification within themselves. I don’t necessarily plan on taking out money in a year but if I need to take out some cash from these accounts I want to be able to. Seems like VOO is a pretty popular and reliable one. I made an account with robinhood and fidelity, not sure what I should use yet, I’d also like opinions on that.

So my plan so far from the little I know is invest that $7k into an ETF, or maybe multiple ETFs, then keep contributing monthly. Is that a good start to my investing journey? I’m just concerned with not doing the best I can do for myself. Also is multiple ETFs really necessary if they’re all kinda a market wide diversification? List of recommended ETFs? Any advice, opinions, or constructive criticism would be much appreciated, TIA

I want some about 100K sitting in SNSXX right now, but will get burnt on 37% federal tax b/c of dividends. I am not any kind of a investment expert nor do I want to play the game, but I do feel like the market is too high right now and due for some correction. So while it's a gut feeling, I am not brave enough to put money on it as options. What's safe bet to maximize my returns but also manage the down-market without too much pain if it happens? S&P 500 seems high. Heard of BOXX ETF (better tax posture). Anything else?

Looking for some advice on investing $25K I have inherited. My thinking now is to pay off all my debt ($5K), put $5K in my savings account, spend $1K on things I need, and invest the other $14K.

Of that $14K, I'm thinking of splitting 70/30 between ETFs and stocks. The ETF I'm eyeing is VTI ($9,800) and stocks would likely be MSFT, META, CVX, PYPL, and maybe one more. Thoughts on this approach? Not married to those specific stocks but those are on my mind.

Lastly, with Trump taking office does it make any sense to wait a bit? Not sure if the market will have a massive reaction to his first 100 days.

I'm looking at the T-Bill Chart right now. and the 20 year bond has the best rate at 4.50. I'm definitely not trying to hold my cash in a T-Bill for 20 years. Maybe just 2-6 months. Does it make sense for me to buy this 20 year treasury and then when the time comes for me to make my cash liquid in 2-6 months, sell this treasury on Schwab's treasury auction. Is it possible to do that without a loss? Or is it better for me to just buy a 3 month T-Bill at 4.25 and let it mature all the way?

I heard on the TBOY podcast that Warren Buffet has been selling stocks all year and hasn't been buying much other than bonds/treasuries to stuff his cash. Apparently it's the largest amount of cash he's had on hand at one time, to the tune of $325 billion... So should we do the same in anticipation of a market dip?

I'm a previous employee of spacex and have some stock I was debating on selling on hiive or forgeglobal or one of those sites... ive seen some bids as high as 500 per share, but I suspect Spacex does not approve any transactions at a price other than what their current tender offer price is. I'm curious if anyone has sold or purchased any spacex shares from one of these platforms and how that experience was.

I am building an AI stock analyst that rates tickers. Currently, it performs Industry, Financials, Technical, and Sentiment analysis by rating each part from 0 to 20, giving a total rating for the ticker from 0 to 80. The flow: https://imgur.com/a/dbh3cYk

Could you share your approach to analyzing a stock? I want to integrate it into an AI agent + provide it with latest market data and tools.

I would like to gain additional insights from someone with more experience or expertise in finance.

Money would solve literally all of my problems

So here's the stitch:

I've always been good with what little money I've had, but my toxic habit is hanging onto it in my savings accounts because I never had enough to invest and let go of long enough to accrue any interest or growth (i.e. paycheck to paycheck life & on my own since 16). I always needed an emergency fund, which would be depleted ever couple of years during a crisis. Despite this, my credit has taken a massive hit due to some poor decisions, and I am finding it almost impossible to recover from, even if I paid off all of my debt, which would leave me with no safety net.

I've had a corporate job for nearly 3 years now, which comes with a 401K. At first, I was only contributing 5% because that's as much as my employer was matching. They stopped matching for about a year, then started back up again this past July. So my return is currently around +17% with a high risk profile.

It occurred to me recently that this is all pre-tax contributions, and while I'd take home less if I contributed more, my untaxed savings would grow exponentially while I was taxed less on lesser take home pay.

I've accrued nearly $14k in my time with the company and recently changed my contributions to 10%. However, I am seeking a way to cash it out and put it somewhere where it will double, triple, whatever in a shorter period of time, and I am willing to take the 10% tax penalty to do so - if it's worth it.

So my question to you savvy investor members is - have you ever cashed out your 401K, and what did you do with it in order to have your money make you more money? Possibly even navigating the economy in such a way that your money ended up working for you so well that you were able to retire on a passive income.

Is this possible? Do I have enough to do something like that? What are your suggestions? Should I roll it over? Are there opportunities I am unaware of and missing out on? Any and all feedback is welcome.

So I wandering into a GME subreddit today and starting seeing a lot of mentions of DRS (Direct Registration System). Reminded me a lot of the Bitcoin true believers motto of "not your keys, not your coin". From what I could gather, a lot of the GME folks don't trust the brokerages to not screw them over if the stock skyrockets. For those who don't know (Like me earlier today), DRS is a way to take full custody of your stock and not leave it in the custodial hands of the brokerage. So my question now is, is this a smart move for any of your investments? Maybe just some of the riskier ones that might pop off? Or is this just paranoid thinking? Will a brokerage be upset if you DRS all of your stock holding?

Hi, a generous gift was given to my children from their grandmother. I want to put the money in a savings account that yields a good amount of interest without it being a scam. I thought tellus would be a good idea until I read (on reddit) it's a scam. Any thoughts or banks that are backed by the FDIC (I believe) double points if they are in person accessable (midwest) and don't hurt them if money is moved in and out infrequently. I'm a single mom but hopefully I can keep this money and grow it until they are 18. Thank you!

Ps I'm also okay with dividend investments but much more insecure in how to deal with those.

Currently my portfolio is 70% VOO and 30% SGOV. Before last week I was 100% VOO. But like many others I feel the chance of a significant drop (over 20%) in the next year could happen. Not saying it’s guaranteed to happen. Wild guess is about a 30% chance of a 15%+ drop in 2025.

Another factor is I’m a few years away from retirement.

Here is the strategy I plan on implementing. At the current market sentiment I will keep my portfolio at 70/30 stock. Almost all of my portfolio is in IRA/Roth. So buying and selling won’t cause a taxable event.

If stocks continue to go up I will sell some VOO and buy SGOV so my ratio stays at 70/30

If stocks drop 10% - I will sell some SGOV and buy VOO so my allocation is 80/20

If stocks drop more to 20% - I will sell some SGOV and buy VOO so my allocation is 90/10

If stocks drop more to 30% - I will sell some SGOV and buy VOO so my allocation is 100/0

I could adjust this to be more conservative (wait to buy till 20% drop) but I’m not hunting the bottom. I just want to be able to buy VOO at a discount if a 10-30% drop happens. If it drops more to 40-50% then fine. But probability shows it is much more likely it will drop 10-30%.

Does this strategy make sense? I’m not trying to maximize growth (100% stock) or trying to time the bottom (wait till full 30-50% drop to buy VOO)

Or am I trying to time the market too much. I will say if I retire in 5 years and I’m 100% stock, it would suck if the market drops 40% that year. So I’m trying to protect myself but still trying to grow the portfolio

I made a post earlier this year on how BX was one of the easiest buys of the year. They timed the market perfectly with their investments before rate cuts and the Trump win.

My only issue I can’t wrap my head around is who wins out during a recession or ‘depression’

Buffett has a lot of cash 300+ billion. BX has around 180+ million in dry powder.

BX will obviously get crushed due to their exposure to companies ( but it’s been said even in a collapse they can still value private companies at whatever they want) they don’t need to show a loss like public companies do.

Is there any difference in cash vs dry powder? Does one have the advantage over the other? Or are both defensive bets during a downturn.

I have had this question in my head since Friday on what are my return for an investment. Let's say the investor buys a stock with a PE of 15 and the stock shall grown at 26% p.a. for the next 10 years. If the PE remains the same in year 10. The return should be 908% or 26% CAGR. If I use a discount rate of 26% or 15% to evaluate my investment what are my returns? (with 26%, the present value of year 10 today would be same as today. So I will not invest. With 15% I guess the excess return will be 10%. ) So how do investors go about return and discount rate?

I’ve been using the Fidelity retirement planner to get a mix of funds to invest my IRA in for the last 5 years. I chose all Fidelity funds for ease of exchanging while rebalancing. I did a rebalance, met with a Fidelity advisor about retirement planning and decided to lower my risk profile. This shifted the investment mix, which I executed trades and exchanges against. Across 10 funds, I easily blew past the 4 in 12 months roundtrip violation as the 2nd rebalancing happened within 30 days. Long story not short, my account has been blocked from trading Fidelity funds for 85 days.

Has anybody hit this before? Any suggestions how to deal with it? I assume I missed a warning somewhere and am not disputing whether it happened or not.

I'm trying to find academic papers, books, or other publications that Jim Simons himself wrote throughout his career. I know he was a brilliant mathematician before founding Renaissance Technologies, but I'm having trouble tracking down his actual written work.

I'm not a quant or mathematician, but I'm really interested in reading his original research and thoughts. This could include:

• His mathematical papers from his academic career
• Any articles he's written about trading or markets
• Published lectures or speeches
• His doctoral thesis
• Any other written material where he's the primary author

If anyone has links to his publications or knows where to find them, I'd really appreciate it. Even if the math goes over my head, I think it would be fascinating to read his actual work rather than just books about him.

Thanks!

Note: Looking specifically for things written BY Simons himself, not books about him like "The Man Who Solved the Market"

Hello. I have a good amount of money in Index Funds. It occurred to me, I don't really know when to pull it out in case the market starts to tank. I am not asking for predicting when to pull it out, but is there a percentage drop in a single day I should definitely consider taking money out? Thinking back to the covid bottom out. All advice welcome! Thank you!

I'm looking for personal finance and investing book recommendations from people who have actually applied the concepts successfully in their lives. Not interested in get-rich-quick schemes - just solid, practical advice that helped you build wealth or better manage your money. What books made a real difference for you and why?

Thanks in advance! And if you could share a bit about how specifically the book helped you (like "helped me set up my first investment portfolio" or "finally got me to understand compound interest"), that would be super helpful.

I was recently unemployed for 18 months, started my new job about a month ago. I have about 75k in my old employers 401k(split in Roth/ traditional). Since I have not been working this year, is right now the right time to convert this to a Roth IRA since my tax bracket would be near the bottom? Any advantages to keeping this in my old employers 401k account? I’ll most likely keep this in a similar fund which is a s p 500 etf.

So I was automatically enrolled in the 401k at work and I have been trying to learn more about it. It automatically put me int a state street target date fund. Looking at the other options and reading what most people say it seemed like I would be better off with the S&P 500 State Street fund so I switched to 85% of future contributions going to that and 15% to the tdf. It has a lower expense ratio of .02 instead of .09 and better returns over every time period shown. Then I was reading about how that is probably redundant because the tdf also has S&P 500 in there already. So I found a mid cap fidelity fund with a .025 expense ratio and better returns over every period shown than the tdf and switched so the 15% going the the tdf would now go to fid mid cap. After both these changes I read things making me question my decision. One was somebody saying they don't know why anyone would ever invest in mid cap lol. I was thinking about changing it to 80% S&P 500 10% fid mid cap and 10% small cap. I don't know if that is better. My thought was just that the S&P 500 and mid cap have lower expense ratios and better returns over recent years so it seemed like a good idea. Am I just screwing everything up?

Hi investment friends, starting with the point of this analysis: Tesla, is a Wrigley's or a Coca Cola or our era but with a beyond imagining more future potential.

Warren Buffett's although we love him, he's one of the top 7 wisest who ever lived and has the motto "invest in things you understand" (it should be added that there should at least be ample time to get to understand it coz' most are very much understandable or it's just pride to stick to simple to manufacturer but en masse consumables and the like as I call his favorites, assets like gum, candy, airlines and softdrinks which are everywhere and all customers are repeat customers) but there's still that constant, that he's not infallible. What it means to 'understand' has to be truly be analyzed way deeply than ever before.

As most have said in the tech industry, sir Warren's fundamental which includes that it's highly speculative (also it's not on the record but it implies he's not into Elon Musk's kind of personality which for him is unpredictable but that's another miss in the fundamental analysis of the one who leads Tesla) analysis of Tesla appears not to be fundamental at all coz' it's most likely incomplete. As most have said Tesla is not just a car company, it's not just a products company selling cars. What was once speculative and beyond the norm have materialized, an example is EV cars that are practical compared to EVs from generations past, now you have the many Models of Tesla. Elon Musk w/ Tesla has proof that they can execute what seems to be many as speculative (although I don't agree with him 100%, especially when it comes to 100% autonomy, coz' technology is buy a tool for mankind and will always babysit any technology).

Tesla is not just a car company, it's more than that- its an energy company (generating revenues energy services like charging and at the same time it "ate it's own cake too" as they say, it creates the products, the batteries to facilities that energy charging service), it's an A.I. company, solar energy company and a robotics company which is still at a speculation stage wether people will buy that but given Tesla w/ Elon's leadership, there's a high probability that Optimus will be practically used almost everywhere (just like again, EV as practical long range modes of transportation was a pipe dream until they launched en masse the Model S and the Models after that).

Thank you for reading.

God bless us Signal vs. Noise Investor Masterace (that's all of the good folks on r/Investing)