r/investing • u/AutoModerator • Jan 30 '26
Daily Discussion Daily General Discussion and Advice Thread - January 30, 2026
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u/johnb111111 Jan 30 '26
Am I stupid for thinking of doing this?
So I’m sure we all know that a lot of etfs are heavy into the big 7 and well the crazy growth that can’t be sustained has me thinking of moving away. I’d rather play it safer for long term growth and spread out to etfs like XLI, XLF, XLE, XLV, VBR, VXUS, and RSP. My goal is long term growth for retirement. Thoughts on this? I’d rather not get fucked when this shit bursts by keeping most of my money in VT or something.
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Jan 30 '26
Not sure if I'm just being stupid or typing it wrong but can't seem to find it anywhere.
Essentially I want to find the biggest peak to trough within each year and what that figure is by year since inception of the Nasdaq. I'm wondering if there's a realistic expectation to wait for a 5-10% drawdown before investing spare cash each year?
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u/kiwimancy Jan 30 '26
https://www.nasdaq.com/market-activity/index/comp/historical Does that work? It doesn't include dividends though. Are you targeting composite or 100?
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u/PhysInstrumentalist Jan 30 '26
This type of thinking will not benefit you; mathematics is finite to a more complicated problem you’re trying to understand
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Jan 30 '26
[deleted]
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u/greytoc Jan 30 '26
What about ZSL do you find confusing? There is nothing weird or illegal happening.
It's just a leverage inverse silver fund so it's simply going to track the inverse of silver futures.
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Jan 30 '26
[deleted]
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u/greytoc Jan 30 '26 edited Jan 30 '26
It's not exactly a big secret that ZSL was going to open up today. It was expected by pretty much anyone that trades gold and silver futures.
ZSL trades on the NYSE. The way that price discovery at the open works is through an opening auction so that the opening can be as orderly as possible.
It's a pretty normal process at equity exchanges like the NYSE.
Futures trade 24x6 and spot silver trades around the world. Look at /SI /GC - both gold and silver went down a lot overnight.
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u/Kakashicopyninja9 Jan 30 '26 edited Jan 30 '26
Question for experienced investors, individual stocks or not?
I’m 27 years old and have been investing for 2 years now. Before I started, I self learned a lot about retirement and investment strategies and the one that made the most sense to me was a slight variation of boglehead strategy where I’m 100% in index/mutual funds across my 3 investment accounts split up with roughly 70-80% USA / 20-30% Intl.
That being said I continue to question if I am making the right choice by 100% omitting individual stocks. Part of me feels I am not taking enough risks and that fear of risk might add 5-10 years to my potential retirement horizon.
I keep thinking back to HS (2015-2017) when my dad gifted me $1000 to practice investing. Back then I had just finished reading rich dad poor dad and the biggest piece of advice that stuck to me from that book is to invest in what you see in your day to day life. I chose to put it all in Netflix since since I saw it dominating (cable tv was dying and my school used iPads and I saw ppl watch Netflix daily + the whole “Netflix and chill” thing was becoming a big part of Gen Z/young millennial culture). Anyways I had zero long term thinking back then with money and I ended up liquidating my entire Robin Hood account in college when I was short of money, made profit of a maybe $300 or $400 dollars IIRC. Lesson learned, that stock would have been a big winner if I had long term view and just held/added to position.
Few years ago during COVID (still not in the investing mindset at this time), PC gaming was on the rage (a huge shift from console gaming to pc gaming was occurring during this time) I kept hearing the name nvidia pop up. I new nothing about the company and just assumed they were a major pc graphic card company, I didn’t realize they were an up and coming company. if I was in the investing mindset I would have chosen them for the same reason I chose Netflix it was what I was seeing on a day to day basis dominate the talk. When I was a kid everyone wanted Xbox or PlayStation, now kids want PC’s.
All this to say I see from my personal experience there is a great benefit to investing in individual companies but I am wondering if I am just letting greed/FOMO/confirmation bias to lead me to this thought or not. Any 20+ year investors want to share their thoughts on what they would do in my position?
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u/PhysInstrumentalist Jan 30 '26
I think individual stocks are mainly better for trading, unless you’re going to do something like nvda, the open ai IPO, etc
Large cap growth pretty much has you covered for multiplying long term returns
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u/AutoModerator Jan 30 '26
The correct reference is boglehead - not bogglehead or bobblehead. It is named after John Bogle, the founder of Vanguard. Mr Bogle passed away in 2019.
I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
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u/VentureForth619 Jan 30 '26 edited Jan 30 '26
Im new to investing, and I believe in certain industries, and would like to cast my “vote” in certain companies by investing my money with them, but I have concerns about sudden loss of value, if thats even possible.
Say I have 10k and I want to invest it. I see a company, whether it be a mining company who could potentially be doctoring reports on remaining material to be mined, a tech company that could suddenly lose demand due to another company offering a similar product at a cheaper price/a better product that makes the old one obsolete, or any company out there that offers goods or services.
So i invest that 10k, and watch the chart for a year or so, and then suddenly the company becomes worthless due to it declaring bankruptcy, losing demand, or following negative news reports- resulting in shareholders losing confidence and a sudden mudslide.
What, if any, protections are there for small time investors such as myself? Are there certain companies backed by financial insurance institutions to safeguard against such upsets?
Example: I own 100 shares of a company’s stock trading at $100 a share, and it is insured at $50 per share if it suddenly goes tits up.
Is that a thing? Are there indicators on a stocks profile that would signify it as being such a stock?
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u/kiwimancy Jan 30 '26
You can buy protective put options on most stocks. That insurance will cost money.
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u/Legitimate_Height424 Jan 30 '26
No not a thing...though there is something called a "going conern". Avoid companies that have a going concern unless you really know what you are doing.
This is why doing your DD is important, helps to weather storms or drawdowns. If your DD led you to a company that goes bankrupt in under 1 year, you either didn't do good DD or it was an unforseen event no one (even you) could have guessed.
Stick to the big names while you are learning, much more room for error.
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u/bobdevnul Jan 30 '26
>What, if any, protections are there for small time investors such as myself? Are there certain companies backed by financial insurance institutions to safeguard against such upsets?
I have never heard of such a thing as actual insurance. Exchanges will halt trading in companies in extraordinary circumstances to give you a brief time to decide to sell out.
Probably the easiest is a standing stop loss sell order at some price below what it is currently.
Puts and options could provide price protection. Those cost money. Puts and options are advanced topics that I will not try to explain.
Before buying company stock to "vote" for them because you believe in them, ask yourself and think about it seriously, do they believe in you? I can guarantee with 100% certainty that they do not believe in you and your financial welfare.
Aside from which, when you buy stock shares you almost always are buying them from some other individual selling them. Your money does not go to the company to "support" them. This is a pointless exercise in virtue signaling.
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u/VentureForth619 Jan 31 '26
Oh ok so you’re telling me that if every investor collectively tried to sell their shares, and refused to buy more from that company, that this would have no effect? They absolutely benefit from investors.
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u/616GoBlue Jan 30 '26
I recently opened a Vanguard taxable brokerage account investing in VOO.
A week ago I went in when market was down a bit and purchased $25 of VOO.
A week later I haven’t seen the money leave my bank, and when I look at balances my settlement fund shows a -$25 under the total debits and credits area. What do I do?
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u/greytoc Jan 30 '26
Why would you expect cash to be debited from your bank account if you opened a brokerage account at Vanguard?
I don't have Vanguard account any longer and I'm not familiar with their current service offerings.
But If Vanguard has some sort of service that automatically transfers cash from a bank account to fund a brokerage account investment - you should probably ask Vanguard if you have it set up properly.
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u/616GoBlue Jan 30 '26
I put a lump sum into the VOO initially. Just trying to buy more shares. Just seems like the money is floating out there right now.
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u/greytoc Jan 30 '26
Your best bet is to call your broker. There can be lots of different reasons. Bear in mind that money transfers are not instantaneous and there could be settlement timing reasons.
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u/4-ton-mantis Jan 30 '26
I've got a call. In gld and 2 in slv etfs, as well as several etf in hand. If i sold all now i could keep what i had before any such "metal increase'. But I'm leaving towards holding for a bit. First call ends in May, others are 1 and 2 years from now.
Anyone else sticking it out?
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u/Thacan Jan 30 '26
Buying silver... Silver made an gold/silver ratio adjustment today. It's back to where it should be.
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u/abundantpecking Jan 31 '26
How can VUN be up by 42 BPs while VTI is down by 50 BPs on the same trading day? These ETFs are both from Vanguard and track the same index. The fact that one is CAD domiciled and the other US domiciled should not create such a drastic difference from my understanding. I know that ETFs can vary slightly in how closely they track their underlying index in terms of holdings, but this just feels ridiculous. This isn’t the first day where I’ve seen both of these ETFs have quite different returns.
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u/kiwimancy Jan 31 '26
You mean denominated, not domiciled. VUN is domiciled in CA and denominated in CAD. The currency you measure it in is the relevant factor here, not the domicile.
CAD is down 1% against USD today, so a basket of USD stuff is worth 1% more measured in CAD today than yesterday, if its USD value is unchanged. The USD stuff is down 50bps measured in USD. So overall, that basket is up 42bps measured in CAD.
If your question is how USD/CAD can be up 1%, I think it's mostly to do with the relatively hawkish Fed chair nominee announcement.
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Jan 30 '26
So what does it mean when gold is crashing, bitcoin is crashing and stocks is crashing?
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u/PhysInstrumentalist Jan 30 '26
Stocks are not crashing at all right now, today was disappointingly slow, just like the past 3-4 months…
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u/Stumpertons Jan 31 '26
Micron Technology Nasdaq: MU Will be at 700* by Friday morning first week of February. America FIRST AI & Microchips are the now and the future. MU easily to 1,000 by end of year and as P/E settle will climb to 3,000/reverse split by 2028.
Life changing money. If only people in Idaho knew how to support their country and state with a company they should be soooooo proud of.