BEIJING (AP) — China’s Ministry of Commerce announced Tuesday it was implementing counter tariffs against the U.S. on multiple products, while announcing other trade-related measures, including an investigation into Google.

The government said it would implement 15% tariff on coal and liquified natural gas products, as well as a 10% tariff on crude oil, agricultural machinery, large-displacement cars.

“The US’s unilateral tariff increase seriously violates the rules of the World Trade Organization,” the statement said. “It is not only unhelpful in solving its own problems, but also damages normal economic and trade cooperation between China and the US.”

The 10% tariff that President Donald Trump ordered on China was set to go into effect Tuesday, though Trump planned to talk with Chinese President Xi Jinping in the next few days.

China’s State Administration for Market Regulation on Tuesday said it is investigating Google on suspicion of violating antitrust laws. While the announcement did not specifically mention any tariffs, the announcement came just minutes after Trump’s 10% tariffs were to take effect.

I made my first two calls on COP 7 days ago at apx $103 per share. The call in question is $117 strike price for 02/21. I thought I had a cold welcoming as today the stock opened at about -1.5% to 97.50 a share. Now an hour before market closed it climbed up to almost a net 0% change sinve open. There was about 30 minutes while it was at -.01% for the day and my call option in question was up 1,550%. My $34 call tuned into over $500. This is insane to peasant me. I was on the phone with USAA investing for nothing, I then called RobinHood for investment advice (great experience, although I still don’t really fully grasp the concept). During this time, COP fell about .40 cents and I was exactly back to an 85% total loss for my $34 call. What I’m trying to understand is how my Long Call Option* was so profitable with during a 30 minute/ .40 cent change, meanwhile the total price of COP has fallen about 6% since I bought it. If I am grasping it; does the formula of the call calculations include an invisible factor like extrinsic value/ implied volatility? Is it represented by one of the Greeks? When I look at selling the option, despite it being red, I can still sell the option for about $500. It says 98% profitability. Is it safe for me to hold for another day?

In Trump's first term, the S&P 500 was up over 64% (according to Macrotrends). The data suggests that domestic large caps will fare well over the next 4 years under Trump's policies. You could make a case that the threat of tariffs may be detrimental for domestic sectors, but I personally think that the tariffs are more of a bargaining chip than long term policy. I think 4 years of populism will be bad for international equities, but will set the stage for more domestic growth.

Are you bullish on large caps for Trump's second term or do you think we will see a different trend develop?

I'm 22 and live in Canada. I'm a student making around $70,000 a year in income. I've recently inherited around $20000. My goal is to buy a home in the next 5 years with an $750,000 budget. I'm looking for some advice on some moderate to higher-risk investments to maximize returns over the next 5 years. I currently invest both personally and with the managed investing on Wealthsimple (50/50 ratio). As for the personal portion, I invest in stocks (largely crypto dependent), ETFs (VOO, QQQ, IBIT, etc,) and crypto (Bitcoin) with a ratio of 50/40/10 respectively. Current holdings are collectively up 30% in the last year.

Is there any advice anyone can offer in terms of investing this inheritance? Are there any alterations I should make to my current investing strategy?

Any insight would be greatly appreciated!

Best Option To Invest Cash for 6-8 weeks?

Not sure if this is the best place for this question, but I’m looking for the best option to invest my businesses cash for 6-8 weeks before having to pay the invoices? I am looking into Treasury Direct…but is there another good option like transferring funds from checking to a Vanguard/Fidelity/Schwab/Etc type account and buying some type of money market or bond etf that pays interest daily?

2 year old annuity. I’m 39 male….$14 an hour out of my package goes into this annuity fund. I’m not familiar with vanguard or their symbols and am not going to pull the trigger yet. Just looking for suggestions to begin researching where I can allocating a %age of this to increase my risk and return. I understand the downsides. Thanks in advance.

It’s currently parked 100% vfifx vanguard 2050 retirement. Thanks in advanced.

When I started investing in 2019, I built a portfolio of roughly 10 single stocks.

By 2020, I moved to about 3 single stocks and 7 ETFs.

By 2022, I had 3 ETFs.

Fast forward to 2025, I’m 100% VOO (the S&P 500 ETF). Decided I was done with allocating percentages to overlapping funds, and playing single stocks.

But now, after speaking with a FA, they recommended moving roughly 10% of my portfolio to possibly 1-2 volatile stocks with a lot of upside (companies like Palantir, Tesla, NVIDIA, ect)…not sure which I’d chose in the end. Although that could be a slippery slope of getting back into stock picking and playing with my portfolio.

After doing endless research, I’ve discovered 86% of all hedge funds can’t beat the market over the long term, so if they can’t, why should I try? Which is why I’ve stayed 100% S&P…but…if I only did 10%, I would have the majority of my portfolio riding “the wave” and have a chance at big gains too.

So, should I stay the course and keep with my VOO and chill, which I’ve done for the past 3 years? Or take on more risk on about 10% of my portfolio?

I’m wondering what happens to SGOV, ICSH, and high yield savings accounts if Musk orchestrates not making US bond payments? I assuming these funds then couldn’t make payments and there may be a rush to the exits. High Yield savings there could be bank runs.

Can anyone explain what’s to stop the President from discussing his plans with private citizens who can then profit from the news? Seems like an infinite money glitch if you know what’s going to happen before it happens and don’t have anyone monitoring it.

Ray Dalio, the founder of Bridgewater Associates and a prominent investor, has frequently emphasized the importance of holding gold as part of a diversified investment portfolio. His preference for gold is rooted in several key factors tied to his broader economic philosophy.

First and foremost, Dalio views gold as a hedge against currency devaluation and inflation. He often highlights that governments tend to print money during economic crises, which diminishes the purchasing power of traditional currencies. Gold, being a finite resource with intrinsic value, retains its purchasing power and often appreciates during periods of inflation.

Additionally, Dalio believes that gold serves as a reliable store of value during geopolitical and economic uncertainty. Unlike stocks or bonds, gold is not tied to any single government or corporation, making it a safer asset during turbulent times. He has pointed out that during periods of financial instability, gold often performs well, providing a necessary counterbalance to riskier investments.

Another factor is Dalio’s emphasis on risk diversification. His investment philosophy, which includes his well-known “All Weather Portfolio,” is centered on maintaining a balance across various asset classes to protect against unpredictable market conditions. Gold plays a crucial role in this strategy because it often moves inversely to equities and other financial assets. Given Dalio’s emphasis on preparing for “what you don’t know,” gold is a logical choice for him.

My question is how did someone like Dalio invest in gold? Given his wealth, it has to be some gold backed financial instrument in my mind.

I saved up to around $250k for a new house down payment and over the past year (most of it less than) have invested it into stocks and ETFs, vast majority in indices and ETFs like FNILX, SPY, FSIVX, AVUV. Should I take the tax hit and move investments to cash, bonds, CDs, money market? Is this too risky for something I may need relatively soon?

Edit: for clarity, I got to 250k through saving and CDs, then as CD rates fell, moved them to stocks and ETFs.

It was the highest growing S&P stock in 2024 but I have zero understanding of what it actually does. Can someone please explain to me what does this company called Palantir actually do? Its description seems vague and do-it-all. I am hoping someone can explain without using too much jargon to layperson like me. How is it different from other big data platforms like Databricks or ERP software (SAP/Oracle) or data products from cloud providers (GCP/AWS/Microsoft)?

Hi, everyone. How much do you spread out all your investing? Or, do you prefer to keep all/most of your eggs in one basket?

67% of my assets (IRA, intelligent portfolio, checking account, and additional brokerage account) are in one brokerage firm, and that has recently made me nervous.

I am 100% equities (apart from my emergency fund and some other cash) but see bonds brought up on Reddit all the time to balance equity risk.

For younger investors, what's the advantages of holding bonds in a 20-30 year time horizon? Ofcourse past performance does not imply future results. But those that invest in bonds, what's the investment thesis there? Do you see bonds a way for diversification and are okay with foregoing returns?

I am looking at some (ex. few subway franchise) business on sale at bizbuysell.com and see few listed in my surrounding area at 1.3/4 times profit. If it was 2.5/3 times and absentee run, I totally understand but 1.3/4 doesn't make sense to me. What am I missing?

I've been slowly building my investments over the last couple years. It's only been about 18 months that I've had a well paying job. Currently about 1/3 of my savings are invested into ETF's. It's not a huge amount but it would hurt to lose.

With the tarrifs, general confusion, and somewhat low risk tolerance, should I just liquidate my investment?

I'm so worried we're about to experience a 2008 level drop (or worse). I'd like to make my 401k investments as conservative as possible.

Can anyone recommend beat options? Bonds? Cash? Foreign stock?

I'm currently in my plans "2040" retirement year investing plan, which has about 40% of the funds invested in US stocks.

Any thoughts as to what would be the impact of such a Sovereign fund on the broader market? Especially if the fund is going to compete with the private companies it terms of acquisitions. Seems like the opposite of small government.

https://www.reuters.com/markets/wealth/trump-signs-executive-order-create-sovereign-wealth-fund-2025-02-03/

As I watch the chaos surrounding the news of Trump's tariffs I got to wondering who stands to make money from them.

If the saying goes, "follow the money," which companies stand to benefit from Trumps tariffs?

Disregarding ethics, how does one invest to capitalize in the coming weeks, months, and years?

If this isn't the correct subreddit, please let me know where better to post.

I started an investment account with Chase last May after selling my house. I put in $100K since I already bank with them, and the banker told me the fee was 1.45% annually, which I thought was reasonable.

Now, prepping for taxes, I realized I’m paying $140+ per month in fees—about $1,500-$1,600 per year. My account is now ~$110K, and I’m wondering: is this too much?

I don’t want to self-manage because I lack the time/discipline, but I also don’t want to overpay for management. Are there cheaper, reputable alternatives for hands-off investors?

Also, if I move my money, will I owe short-term capital gains, or can I transfer without tax consequences?

Would love some advice—thanks!

Obviously i’m not a numbers guy. I’m a carpenter, I don’t have the time to understand this stuff fully. I have a grasp of the concepts, yet I truly don’t understand this “market”.

So, I’m horrified at what’s happening right now. I do not want to lose my father’s inheritance. He worked, and died, to make that money for his family.

What are my best options here? I’m a 25 year old. Insurance is coming next year.

Do i pull everything? Do I shift my stocks into less risky options? Amazon, Vanek, etc? Do I pull half out to secure that, and continue playing with the remainder?

Please, i have no one else to talk about this with. My financial advisor obviously is looking out for himself, he does not believe pulling it out is a good option. (Makes sense, I pay his bills).

If anyone could give me the smartest options, inform me more on what’s going on, I would greatly appreciate it.

I am trying to track my money weighted towards investment returns vs my hypothetical MWR if I had invested solely in a given index. I am trying to calculate cumulative MWR on a running basis in excel based on daily performance of information combined with a history of portfolio cash flows. Everything I have tried so far has not worked out. Has anyone done this in excel and is there a specific way I need to structure my data to do this?

I’m a 28M just trying to shove as much money in the best place that I can for the long term. I LOVE the idea of one day living off of a steady dividend income (I’m quite frugal and don’t want for much materially… even 25k-30k a year passively would be amazing) but I definitely don’t have the raw capital to dump into dividend focused investing right now to make that happen anytime soon. Should I just continue to invest in VOO, SPY and other conservative blue chips like Apple and let those returns come to me through the decades or should I be slowly building up on something like SCHD now? From what I’ve seen it seems that the actual value returns on VOO would likely be much better, but of course that sweet dividend income is another kind of valuable. Do people just wait till retirement and then dump into dividend focused stuff then? My fellow middle class, what are your plans?

I apologize that I don’t know much about investing but am trying to learn. I also don’t fully understand how our US news impacts these economy but have been trying to piece together information. I’m 31 years old, so decades away from retiring. I’m self employed and do a $6,500/yr Roth IRA contribution which is invested into the S&P500.

With the economic uncertainty and tariffs, should I hold off on doing my contribution for 2024?

I have about $200,000 liquid cash in savings. I was always told to buy when the market is low and stocks are cheaper, and then wait it out because I’m young. Just wanted to make sure I have this correct in this context. Any guidance is so appreciated.

Serious question. I have most of my retirement in Vanguard funds. Some is direct with Vanguard, some through Empower, and some with Ascensus. I am concerned with the potential of a Recession/Depression and its effect on my pending retirement. I recall the 2008 crash that wiped out a lot of IRA's. My first choice would be to simple protect what is there. My second would be to capitolize should we head over the cliff. What is the best course of action?

Should I transfer the money in my 401K mutual funds into bonds or a money market account or do I risk them crashing with the stock market? Transfer and then jump back in at the bottom? Thoughts?

Intel for the long term. Here to stay?

This morning, INTL was in the high $18’s, and I purchased more. I believe there is a lot of drama in the market as of now, but there is some fear of a recession paralyzing portfolios. What are the communities thoughts of Intel for the long term? The world is obviously pushing towards more and more tech. Is Intel big enough to hang around with the big guns such as NVDA and AMD? If so, does the NVDA hype die and the birth of INTL gains comes into play? Let me know what you all think. Respectful discussion only is preferred.

Hey so I downloaded robinhood in hopes to start a portfolio. (Qant to put some money i to investing as well as a roth ira and other retirement plans so I can gain money over time and enjoy my retirement and give to my family. Anyways its been a few weeks and I says I'm still on a wait list and also im trying to link my bank account but it keeps saying "access denied the authorization flow did not complete"

I don’t fully understand why stocks fluctuate based on news, specifically down on bad news. Isn’t it proven that a long term investments perform better holding through bull and bear markets rather than trying to time the market? Do they drop because of people who are short term investors or day traders? I see the market dropping because of the “trade war” between the US and other countries but as a long term investor shouldn’t you continue to hold or even buy more?

My wife recently left her job, which relied on Empower Retirement for her 401k. Most (~95%) of the balance is on the self-directed brokerage side of Empower. Given Empower's general incompetence and awful timing with everything, I want to do a straight in-kind transfer of her funds to her IRA in Fidelity.

Empower is telling me this is possible. They have a form for in-kind transfer to an external IRA, which they say is specifically for the brokerage account. The form also says the external IRA custodian is supposed to initiate the in-kind transfer.

However, when I called Fidelity to initiate this, they said they cannot. The Fidelity specialist - after confirming with her team - is telling me that it's categorically impossible to do an in-kind transfer from a 401k brokerage account to an IRA. Like, not just Fidelity won't do it, but anybody. She says I have to first do an in-kind transfer to an IRA with the same custodian (Empower), then do an in-kind transfer over to Fidelity. This doesn't sound right...

Anyone have any experience here, and maybe can shed some light on why/why not such a transfer would be allowed?

EDIT: I am specifically asking about *in-kind transfer* (where the shares are not liquidated) from the *self directed brokerage* portion of the 401k. I'm not asking about a regular rollover, where the shares are first liquidated and then the cash balance is transferred over.

EDIT 2: The mutual fund held in the 401k brokerage account is identical (same ticker symbol) to the fund which comprises the majority of the balance in the Fidelity IRA.

Maybe a stupidly simple question.

But if you buy something on 2/2/24, what constitutes one year for the long/short term determination?

2/2/24 was a Friday. the trade didn’t settle till, what? T +2, Tuesday 2/6.

Do you have to take into account leap years?

Or is long-term always the same date one year later? So that would be 2/2/25? You could sell on 2/2/25 and it would be long-term? or is 2/3/25 the first day?

So you have an idea of the type of person you responding to, in my E*trade acct, there is a column long/short. I turned on that column to be displayed, and all my trades are long. I wondered if that was something to do with wash sales or not.

Then I realized it’s long trades versus a short trade, not long-term versus short term. DOH!

Thanks!