Posts
401K Manual Allocation Options
My 401K provider doesn't have an auto allocation option. I am aiming for mildly aggressive as I am almost 30 with a decent income (between 100-150K). I have realized that 100% of my investments were going to T Rowe Blend 2060. It did ok this year, but I would like …
Everyone talks about AI stocks, but what about the metals behind AI?
Everyone talks about Nvidia, semis, power demand and data centers. Fair. But the AI buildout does not happen without the physical supply chain underneath it. Data centers need copper wiring, silver connectors, rare earth magnets, gallium power chips, lithium backup batteries, germanium fiber optics and a lot of specialty materials …
What's the single best piece of financial advice you've ever received?
The best one I ever got was stupidly simple: "pay yourself first, before the bills, before the fun, before anything", and the person who told me meant it literally, as in the moment your paycheck hits you move a fixed amount to savings before you even look at your balance, …
Estée Lauder stock analysis after Puig talks termination
Estée Lauder is finally starting to look healthier after a difficult few years. Sales are growing again, margins are improving, and cash flow has picked up. Fragrance is doing well, China is recovering, and the company’s cost-cutting programme could continue to improve profits over the next year. **Bull case** * …
How rampant is fraud in sp500 expenses?
I overheard someone involved in this in a public place. Deals are in the range of 1-30 million USD. There were at least 2 listed companies involved. they funnel money from profits to insiders through external expenses from semi legit companies, which pay out to insiders part of the fake …
I built an AI agent that analyzes SEC EDGAR filings while getting a 98% accuracy rate
I got tired of digging through the SEC website for 10-Ks and 10-Qs by hand, so I built EDGAR Analyst, an AI agent that reads SEC filings for you and answers questions with real citations. You can search any and all filings free with no account needed: It renders filings …
Account Statements - Options to make it more compact?
So I've just started doing a couple of transactions with DeGiro to get a feel. I've been looking at their statements. I'm getting confused by the way they handle things. It seems that if you give an order to buy let's say 1000 shares they can fill it in small …
Rate my Ind Brokerage automatic contributions
Background: 27 years old with a 401k split between 70% S&p500, 20% International etf, 10% small cap etf and my Roth IRA is fully funded this year. Here my current monthly automatic investment breakdown in my individual brokerage acct. I’m going for an aggressive mix and interested in companies/segments that …
Timing vs Time in the market
Everyone says time in the market beats timing the market, and whilst I largely agree, this ignores the fact that 1/x is an exponential function, so if stock Y is at $200, there's a much bigger difference between an average of $5 and $10, than there is between $50 and …
Revenge trade lesson - Capital world lost 50% 2 times in 5 years on Epam stock (i.e. 100% gone)
very curious case with Capital world, invested twice 1) pre Ukraine war - sold out with loss 2) re entered 1 year ago and now sit -50% underwater power of revenge trade on wrong “hopes”. i bet their analysts did not use AI to analyze how programmers displacable. funny that …