I’m in my young 20s and make a little more than 70k a year. Currently still in school. I pay for school out of pocket but it’s only 1k per semester ( trying to get some scholarship). I have about 20k saved up for the home, 4k emergency fund, and 18k in stock market. Was thinking of getting a duplex and living in one unit and renting the other out but Ik those cost around 300k+. And didn’t know if I should leverage that much on first deal. Also thought about getting a small residential home (3 bedroom) and have (2) friends/randoms pay rent while living with them. I was looking at homes for around 175k+ in good city but most of those homes are in new construction neighborhood (which I think have a good potential for a lot of appreciation when construction is done).Which option do you guys think would be better for my situation. And what price range home would be best. (Credit score of (700-720) & (no debt) And don’t tell me I should focus on finishing school and just save. (I still plan on finishing school) In Texas

Good morning 🌞 Redditors -

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

Portfolio Construction:

▶️ Global ETFs: Amundi challenges Vanguard & iShares!

▶️ Translating Wall Street Jargon

▶️ Non-US Portfolios: Multi-asset investing (Amundi Research)

▶️ Asset class correlations & portfolio construction

▶️ Why Your Portfolio Should Include Scarce Assets

Active Investing:

▶️ Real and alternative assets in focus in the strategic asset allocation

▶️ The Case Against Private Markets

▶️ Countries With the Highest Rates of Crypto Ownership

▶️ Eric Crittenden & Jason Buck Explain Why Best Investors Follow the Trends

ETFs / Brokers

▶️ RUK granting US-listed ETF equivalence more political gesture than meaningful

▶️ Barclays & HSBC & IG Reviews

Wealth & Lifestyle:

▶️Retirement age for those who don't read BoW

▶️ Safety First – Retirement Withdrawal Rates

▶️ How Singapore Got So Crazy Rich

▶️ The Modern Curse of Overoptimization

Have a great Saturday!

Francesca from BoW Team 🚴 🚴🏼‍♀️

Salman's expertise includes finding profitable investments. He recently secured a deal with 80% to 90%  and 69% to 85% downside protection for an infrastructure company.

High demand: Salman's last fund was oversubscribed within weeks.

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• Learn to evaluate investment options by  registering for his free webinars at  https://www.eventbrite.com/e/understanding-private-placements-tickets-896229806477?aff=erelexpmlt

Schedule a personalized consultation:

Please react or comment to request 1-1meeting

Take advantage of this exclusive opportunity!

#venturecapital #investment #privateequity 

An Opportunity to Connect with Salman Azhar, a successful Venture Capitalist who has invested in over 125 companies 

Salman's expertise includes finding profitable investments. He recently secured a deal with 80% to 90%  and 69% to 85% downside protection for an infrastructure company.

High demand: Salman's last fund was oversubscribed within weeks.

• Explore Salman's impressive profile at: https://www.linkedin.com/in/salmanazhar
• Learn to evaluate investment options by  registering for his free webinars at  https://www.eventbrite.com/e/understanding-private-placements-tickets-896229806477?aff=erelexpmlt

Schedule a personalized consultation:

Please react or comment to request 1-1meeting

Take advantage of this exclusive opportunity!

#venturecapital #investment #privateequity 

hello, I'm a beginner in investments, and I made a mistake, I invested $400 without knowing in the investment, I lost it right when it was being transformed, it was blocked for 2 days, and then it appeared again with the option to sell it, seeing that I'm on the plus side with I sold it for 50 dollars, but in return I received $0.91 in the meantime I received a notification that my contribution from the spac will be assigned in shares, does anyone know if I will get the money back?

What would happen with my stocks if theoretically the economy crashes?

I own some stocks through interactive brokers and am wondering what would happen if they go bust? Also, are they truly mine or do I need to register them somewhere where they would be safer?

Some of these stocks I would prefer to hold for some time, so I would try to put them in a place as safe as possible.

hello, I'm a beginner in investments, and I made a mistake, I invested $400 without knowing in the investment, I lost it right when it was being transformed, it was blocked for 2 days, and then it appeared again with the option to sell it, seeing that I'm on the plus side with I sold it for 50 dollars, but in return I received $0.91 in the meantime I received a notification that my contribution from the spac will be assigned in shares, does anyone know if I will get the money back?

I’m 23 years old living in Chicago and I just got my first paycheck for $20k as a contractor providing professional services. I also just got a full time job that pays around 60k with benefits but haven’t started yet. My rent alone will be about $1,700 and I also have about 4k in credit card debt. What do I do with this money and where do I start?

Hello all, we are both 30 and are receiving an inherited IRA worth about $56,000 after taxes. We are getting rid of the credit card that is making life a little unmanageable at the moment leaving us with about $40,000 to invest. My plan is to leave it alone and add to it $200/mo. One of my kids will graduate in 11 years, and the other in 16 years. Edward Jones (where the IRA is now) wants to have a meeting with me but I think I'm going to cancel that and liquidate to invest myself.

I'm planning on throwing $20,000 into ETFs-7500 VOO, 5000 SOXX, 2000 SCHD, 1500 QTUM, 1500 PAVE, 1500 COWZ, 1000 HFXI-$10,000 in long-hold stocks like Microsoft, Google, Apple, Meta, etc. and $10,000 in CDs. Would sincerely like to know your thoughts.

Good morning 🌞 Redditors -

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

Portfolio Construction:

▶️ New research into the stock-bond correlation

▶️ How to rebalance a portfolio

▶️ Banker’s Paradise: Two Easy Ways To Fool Investors

▶️ Do Stock Outperform T-Bills?

▶️ The Worst Bond Bear Market Ever Marches On

Active Investing:

▶️ Listen all the way - Warren ends it epically.

▶️ SocGen Rogue Trading: "Won't Somebody Please Think of The Traders?"

▶️ Risk Parity Investing (BoW 100% Equity Article Mentioned)

ETFs / Brokers

▶️ BlackRock world ETF flash crash on Deutsche Boerse: A deep dive

▶️ Trading 212 Review: Pros & Cons

Wealth & Lifestyle:

▶️ Amundi Research on Decumulation Strategies

▶️ Great FT Article on "Can you afford to retire early?"

▶️ How a Pioneering Blackjack Master Beats the Odds of Aging

▶️ The Top 20 Countries in Debt to China

Have a great week-end!

Francesca from BoW Team 🚴 🚴🏼‍♀️

I'm planning to work in corporate only for 20 years and willing to get the best deal out of my investment. I was trying SIP calculator and found that 1 L @ 7.5% pa gives me 5.57 Cr While Only 25k @ 30% pa gives me 38.3 cr So all those preaching about passively and not caring much about the return and time in the market are not making sense.

Would like to understand the instruments that can help me grow at 30% pa consistently.

Thanks

Hi guys! Are there any Biotech / pharma investors here? I’m looking to start investing in biotech, and I’m curious about tools to use to get insights about trends and companies in this sector.

How do you guys make your investment decisions? What to look for? Maybe you can recommend something for a new investor.

If you’re trying to unstake on Shiba swap, make sure to revoke access after you get your xshib or whatever it is, and when you go to trade it into eth, as soon as it goes through, revoke all accesses in your settings, I just successfully got 22m Shib out and transferred. I was literally shakin for sec cause I knew my other wallet with half a bil would have been wiped if I didn’t do this correctly.

Kindly Upvote

https://youtu.be/35AMNs3LoCQ

Good morning 🌞 Redditors -

This time in the mid of the week, we selected the best articles published in the past few days 👇:

Portfolio Construction 

▶️ How do stocks do after major world events?

▶️ Morgan Stanley Primer on Valuation Multiples

▶️ Asset class performance during the recent inflation spike

▶️ 30 Years of Financial Market Returns

▶️ Why Hold Bond ETFs Despite Price Rollercoasters

ETFs

▶️ How retail ETF investors screw themselves

▶️ US-domiciled ETFs could be granted equivalence in UK

▶️ BlackRock fixed maturity Italian BTP ETFs: tactical opportunity

Brokers

▶️Lloyds Share Dealing Review – Old School But Ticks The Boxes For Golden Retrievers

▶️ Halifax Share Dealing Review – Similar To Lloyds With SIPP On Top

Factor & Active Investing

▶️ Large-Growth Stocks Are Overvalued. Small-Value Stocks Are Undervalued.

▶️ Ed Yardeni on his optimism for a Roaring 2020se

Wealth & Lifestyle

▶️ The Man Who Killed Google Search

▶️ Something Strange Happens When You Follow Einstein's Math

▶️ An Ex-CIA Officer Explains How to Spot a Lie in Business

▶️ The surprising data behind supercentenarians

▶️ GranGuanche: Two Friends Chasing Ferries

Enjoy the week-end!

Francesca from BoW Team 🚴 🚴🏼‍♀️

I'm looking to start investing in a college fund for my three kids, aged 12, 9, and 6. I've set aside $600 per month and plan to allocate more to the oldest, with the intent to then roll the funds over to the younger ones as each starts college. I know I'm starting a bit late, and while I may not have a solid understanding of the best strategies for this, I'm eager to learn and set up something substantial to at least cover the first year for each child.

Here's what I'm considering:

1. Investment Split: How should I divide the $600 among the children to optimize growth, considering their different ages?
2. Grandparent Loophole: I've heard about the possibility of setting up the account in a grandparent's name with the child as the beneficiary. Would this be beneficial in any way, particularly for financial aid considerations?
3. Investment Type: Given that we don't have much time before my oldest needs the funds, would a money market fund be a safe and effective choice? Or are there better options for short-term growth?

I'm relatively new to this and didn't have much guidance on these financial matters before. Any advice on creating a robust plan for my kids' educational future would be greatly appreciated!

Thank you in advance for your help!

guys n girls, I'm relatively new to the whole field of investment, and only have a bit of newfound knowledge. So, anyways, here's my question:

Doubt: Say, a company experiences significant losses, to the point that the debt it had borrowed exceeds its profits – and it is anticipated that this will continue into the foreseeable future with very little chance the company makes a turnaround. Obviously, in such a case, the best bet for a company is to liquidate it's shares as soon as possible. But “WHO” do these companies liquidate their shares to? That is, who, in their right mind, would purchase shares from such a company?

My intuition: Perhaps – and this is simply my intuition – insurance banks purchase all company shares, and, by doing so, aid in its complete liquidation? After all, it is highly likely that most companies – except perhaps small-cap companies – purchase contracts with insurance banks that involve paying premiums, say every month, in exchange for the insurance bank aiding in liquidation of the company should the dire, unfortunate situation of company failure arise.

TL;DR: It would be greatly appreciated if you answered my question - "Who exactly do bankrupt companies liquidate their stocks to?", while also correcting any errors -- if any found -- in "my intuition".