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Daily General Discussion and Advice Thread - August 20, 2026
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How much do you keep as an emergency fund?
M32, no kids. I currently have around 130k invested in ETFs and keep another 40k in my current account as a safety net. However, 40k in cash feels like quite a lot, and I'm wondering whether I'm being overly conservative. I fully understand that this depends heavily on your personal …
Everyone is piling into tech, semis and AI stocks. Valuations say the next 10 years of returns will be very low
Right now pretty much everyone is buying tech stocks, semiconductor stocks, “AI stocks” and Nasdaq 100 / QQQ. At the same time Nasdaq 100 PE is sitting around 30 and the S&P 500 CAPE ratio is close to 40. Both are at historical highs, only beaten by the peak of …
In 1999 at the peak of the internet bubble, QQQ launched and retail piled in. Then came the 73% drop and 15 years underwater
1999, internet bubble at its absolute peak. Nasdaq 100 was on fire. First ETF tracking it, QQQ, got launched and a ton of retail investors rushed in.What waited for them was a free fall. 2000: down 36% 2001: down 33% 2002: down 37% Three years, total loss of 73%. The …
OpenAI still losing money, Chinese AIs destroying pricing, Big Tech already locked in trillions… Nasdaq multi-year bear coming?
OpenAI is still bleeding cash like crazy. Losses just keep getting bigger. Anthropic? Revenue is up a lot but margins are still single digits. Not great. And then you’ve got the Chinese models (Kimi etc) just wrecking prices. Everything keeps getting cheaper. Almost everyone using this shit is on the …
Besset bonds japan etc...doesnt this look desperate and manipulative?
I have seen Besset and the treasury doing some unusual manuvers to prop bond yields, Japan and now long term bonds. I also see yields reacting positively/dropping. I am surprised IMO this should do the opposite. The government is manipulating yields, doesn't this look desperate? Prompting a negative market reaction …
Bloomberg Terminal Industry Data
Do Bloomberg get their industry data themselves or do they contract it out to a data firm from that industry to do it for them as they’ll have the knowledge of what looks right/wrong where Bloomberg might not? I know Bloomberg Terminals are expensive but can’t seem to work out …
MSTR calls? Is Trump telling us what to buy again?
Trump's meeting on crypto at the white house today injected a long-awaited surge in crypto. A lifeline really. Trump has called on congress once again to pass the clarity act when they get back to work in September. MSTR is up 12% on the news. October is the supposed predicted …
The Treasury just doubled bond buybacks to hold down the 10- and 30-year. Gold broke $4,550. Most of the money-printing takes have the mechanics backwards.
I was watching this unfold this morning. Bessent announced the Treasury is doubling its buybacks, explicitly to keep the 10- and 30-year from running. The 10y dropped to 4.64% then bounced back to 4.67% while I was looking. The 30y sat around 5.21%. Gold went through $4,550 on the futures, …
What are the chances of this?
What are the chances Trump manufactures one more market bleed before he's out of the job? He's got 2 more years in office and I'm wondering what people think regarding the market over this time. Will we see another market manipulation like we did in April 2025? Or do you …