Mainz Biomed MYNZ has recently hit a 52-week low of $0.18, an -83.33% drop over the past year. Despite challenges, the company’s innovation in cancer diagnostics offers valuable lessons for anyone learning about investing in high-growth sectors like biotech.

What MYNZ Teaches About Investing:

• Product Innovation Drives Value: MYNZ’s ColoAlert test, a leader in colorectal cancer diagnostics, shows how innovation can differentiate a company in competitive markets.
• Growth Strategies Matter: With next-gen cancer screening trials planned for 2025 and a product pipeline that includes PancAlert for pancreatic cancer, MYNZ is an example of long-term growth planning.
• Importance of Strategic Partnerships: Collaborations with Trusted Health Advisors and TomaLab demonstrate how alliances can help integrate products into global markets.
• Financial Health is Key: Despite a 4% revenue increase and a 32% reduction in operational losses for H1 2024, MYNZ’s liquidity challenges (current ratio 0.24) highlight the importance of evaluating a company’s financial stability.

For Investment Education:

• Volatility Awareness: Low-cap biotech stocks like MYNZ are prone to sharp price movements, making them high-risk, high-reward investments.
• Strategic Corporate Actions: MYNZ’s 1-for-40 reverse stock split shows how companies use such strategies to stabilize share prices and maintain market compliance.
• Balancing Risk and Potential: Learn how to evaluate a company’s innovation pipeline against its financial and market challenges.

MYNZ provides a practical case study for understanding the dynamics of biotech investing, including risk assessment, growth strategies, and market opportunities. How would you approach investing in a company like this?

I live in New Zealand and use Hatch for investing with all of my money in USD split between some American EFTs. I am looking to sell my investments soon to buy a house here in NZ but have heard I might have to deal with IRS (America's tax people) if I have more than 50k NZD (~30kUSD). I understand when I sell I will have to deal with NZ tax and conversation rates but assumed nothing to do with American tax laws.

Any help or further information would be great, thanks.

(Edit: IRD is New Zealands tax, IRS is America's tax.)

Hey , am currently working on a Research Project on Thinking skills of an Investor. I would be glad if y'all could help me out by filling this google form for my research project . Your contact info would be extremely confidential

https://docs.google.com/forms/d/1NS7wMqgdCFmZRkZWGJ3uJUA4ut19ErfGYEMRvUVZIPQ/edit

Im 13 and in my area you can get a job at 14. I will be getting a job for the summer, and I’ve been wondering what app would be best for me to invest in. Im wanting to invest so I don’t have to work for very long, and get an early retirement. I am obviously a beginner.

Valuable and useful information for mutual fund investing. Invest in mutual funds that are profitable investments. Verify fund distribution of profits, majority of years' performance are gains, few years of performance gains. Open and maintain diversified Individual Retirement Accounts. IRAs are an exceptional portfolio for achieving retirement prosperity and growth.

Hi,

Is there a PC software or phone app that teaches you basic and advanced concepts of investing, like the effects of macroeconomic climate on investing choices, options trading, etc by creating a simulation where you can buy and sell various financial assets, including stocks, ETFs, REITs, options, forex, crypto and so on, and get a general feeling on how they work? I know you can use some broker web sites for paper trading, but then you'll need to do it realtime, so it will take a long time to see the results of the choices you've made.

It might be a difficult concept, as there is no way to predict the future, so simulating an entire market and expecting it to correalte with real life is impossible, but it could be helpfull to learn.

Thanks

Basically what i asked. I have absolutely zero information on where to place my footing when it comes to investing. I'm still in college but by the time I graduate I wanna have a serious plan on how to own and rent apartment units then grow from there. My major has nothing to do with business or these things so this is something I wanna do because I wanna grow financially further than what my major could provide in later positions. Where do I start? What should I know? I'm a hard worker i just need guidance on what to do, what to avoid etc...

Good evening 🌜🌝🌛 Redditors -

As usual, we selected the best articles published in the past few days 👇:

PORTFOLIO CONSTRUCTION 
➡️ Retirement Portfolios: L. Swedroe For BoW on Monte Carlo Simulations
➡️ Asset Allocation: Goals-Based Asset Allocations
➡️ Stock/Bond Correlations: Correlations in times of stress
➡️ Returns: S&P in 2024 has been one of the strongest since 1928
➡️ Equity Risk Premium: The Nine Myths

ETFs 
➡️ Money Market ETFs: BlackRock unveils euro cash MM ETF
➡️ Tools: Our ETF Fee Calculator
➡️ Risk Parity ETFs: Some more Bridgewater ETF thoughts
➡️ Bond vs Equity ETFs: Differences in ETF Liquidity 

 ACTIVE INVESTING
➡️ Factors: Great interview with Cliff Assness - not only about factors
➡️ Leverage: Concept of Return Stacking with Corey Hoffstein
➡️ Alternatives: Why I’m Selling Some Bitcoin
➡️ Private Equity Primer: An Introduction to Basics
➡️ P2P Platforms: An Introduction to Alternative Lending

PLATFORMS
➡️ Inveractive Brokers: Fixed vs Tiered Plans For ETFs

WEALTH & LIFESTYLE
➡️ Relationships & Money: Keys To Financial Success As A Couple
➡️ Divorce & Retirement: How to Stop a Divorce From Ruining Retirement
➡️ Real Estate: Building Wealth Through Rental Properties
➡️ Portfolio Withdrawals: Why Your Math Might Be All Wrong 
➡️ FIRE: Early Retirement + Group Travel: What Works, What Doesn’t

AND ALSO
➡️ Privacy: Protecting Yourself From Government Surveillance
➡️ Economy: How demographics can distort economic narratives
➡️ Morocco: The California of the Muslim World
➡️ Travel: How Berlin Wall Became 100-Mile Bike and Pedestrian Trail

Have a great Week-End!

Francesca from BoW Team 🚴 🚴🏼‍♀️

Hi,

I am 18 years old and looking to use the money I have earned and saved to put into some sort of investment and am looking for advice.

I have just put 5k into an easy access cash isa 4.5% AER. More or less just to keep it in there while I don't know what to do with it and my current saving account has 1.75%.

I can put more money in this but I don't know if there is a better place to put my money into, for example a stocks and shares isa or any other suggestions, I'm open.

I am fortunate enough to also have some money given to me by my grandad from a stocks and shares isa, it had peaked very well pre COVID at around £38k if I remember correctly, dropped significantly after COVID and has had a slow rise with a decent amount of growth post Trumps victory as most of the portfolio is in American Stocks if I remember - Scottish Mortgage is the fund. Not sure what it is at atm, I'll guess just under or at £30,000.

Anyway, my grandad has had all that money in just the one fund, which is why its price has been so dynamic. I plan to diversify the pool a lot and invest in a different funds / ETF's, not sure yet but just spread the money.

I don't know when to do this though as I would like the value to keep rising in Scottish Mortgage to around what it used to be, but with current world circumstances, I'm unsure if this is the right move.

For reference about how much 'risk' I can afford; I plan to go to London next year for university and have no debt atm but of course student in London - I will be very poor, won't need access to a lot of the money but at least 3/4k for emergencies.

Any advice would be greatly appreciated.

Thank you :)

Hi,

Have the most basic question about investing. I've always wanted to know but not sure how I even word it.

If I invest in a company with x amount and then it completely loses value so that my investment goes below zero do I completely lose everything or if the company recovers do I start making money again..

Thanks in advance and sorry for the really dumb question. I'm sure some clever sausage can figure out what I'm actually trying to ask..

I am looking at yahoo finance and came across Bell Canada. (BCE) having % Payout Ratio greater than 100%. how is that possible ? Does it mean they are paying dividend 44 times of their net profit ? And why would they do that ? I am trying to understand how to read the metrics on yahoo finance.

https://preview.redd.it/4gkznt6nia3e1.png?width=1845&format=png&auto=webp&s=8e9f5d54ec086c5005bdda5c39a403940d726a6a

I am looking at yahoo finance and came across Sunnova Energy International Inc. (NOVA) having % Held by Institutions greater than 100%. how is that possible ? How can some one hold more than 100% ? I am trying to understand how to read the metrics on yahoo finance.

https://preview.redd.it/uofr8q9zga3e1.png?width=1861&format=png&auto=webp&s=d8c526493af144c66dbddd8a19e06b8b981122de

Profitable mutual fund investments that distribute profits, majority of years' performance are gains, few years of performance losses. Diversified Individual Retirement Accounts safest and best choice for achieving retirement prosperity and growth.

If you start an fd for X amount then take the return to SIP for 1 year then the return form SIP can be added to FD

Thus creating a cashflow for you with just funds wich u invested in the start

Hello folks!

I recently moved to the US and got my first job where I'll be receiving 401k benefits. However, I don't understand how the company match works so I'm seeking help.

Here's what my 401k terms are, "Company provides a matching contribution that equals 100% of the first 3% you contribute, plus 50% of the next 2% you contribute. Auto enrolling employees at 5% will guarantee employees the maximum match benefit. The maximum employer match is 4%."

I understand most of it but the last statement is causing confusion. Can someone explain how it would work for an annual income of $100k?

Good evening 🌜🌝🌛 Redditors -

As usual, we selected the best articles published in the past few days 👇:

PORTFOLIO CONSTRUCTION 
➡️ Asset Allocation: Return premia across asset classes over centuries
➡️ Portfolio Costs: Fees matter, frequent fees matter more
➡️ Strategy: Video on 'What is risk parity?'
➡️ Timing: Market Just Hit All-Time High: Is It A Good Time To Invest?
➡️ Markets: The Miracle of U.S. Equities

  ETFs
➡️ Factor ETFs: Amundi launches suite of global factor ETFs
➡️ ETF Methodology: Robeco Factor ETF Investing Approach
➡️ ETF Review: WisdomTree Global Efficient Core ETF
➡️ Securities Lending: ETF securities lending primer
➡️ Risk Parity ETFs: State street joins forces with Bridgewater

ACTIVE INVESTING
➡️ Efficient Markets: Cliff Asness on the "Less Efficient Market Hypothesis"
➡️ Factors: Misunderstanding Set Unreasonable Expectations for Smart Beta
➡️ Wall Street: How To Build A Billion Dollar Hedge Fund From Scratch

PLATFORMS
➡️ Methodology: Bankeronwheels Broker Review Methodology

WEALTH & LIFESTYLE
➡️ Couple Finances: Hidden Risks of Managing Money Solo In Marriage
➡️ Inheritance: You Received a Windfall: Now What?
➡️ 4% Rule: Clearing Up Misconceptions With Its Creator (podcast)
➡️ Sequence of Returns Risk: What Every Retiree Needs to Know
➡️ Careers: Why are European Wages So Low?
➡️ Personal Development: How to Live with Urgency, and Find Joy

AND ALSO
➡️ Nobel Prize: The Most Controversial Nobel Prize in Recent Memory
➡️ US Economy: The Truth About the US Economy
➡️ Exports: The World’s Biggest Chocolate Exporters
➡️ Future Cities: How Singapore Is Trying to Build a Climate-Proof City
➡️ Travel: Cycling In Japan – 2 Secret Maps, Best Islands and Seasons.
 And so much more!

Have a great Week-End!

Francesca from BoW Team 🚴 🚴🏼‍♀️