OT - Money / Investing Thread (aka financial no stupid questions)

[847badgerfan]

I think holding is a good plan for that stock. Many analysts agree.

[betarhoalphadelta]

The only other single stock I've taken a position in is Rivian (RIVN). Sitting at average of $14.92. 

Hence why I posted that video in the Electric Vehicle News thread--they've been top of mind for me. 

This one is one that I have less conviction than BB, and IMHO has a much higher execution risk. But I think they might be at a critical inflection point with the release of the R2 model, and I think they've got some powerful backers with Amazon, VW, and Uber that identify possible opportunities beyond just vehicle sales. 

Last week they announced CQ2 vehicle deliveries which came in above consensus, as well as raising guidance for their CY2026 total deliveries and for their CQ2 revenue. 

All good things that pushed the price up to over $20 Monday... And then they announced a 75M share capital raise offering Monday after close and the share price tanked 

[FearlessF]

I'm sure this type of thing happens daily to many of my holdings that are managed by a firm

but, I don't see ANY of it and therefore none of the 

[MikeDeTiger]

 And then they announced a 75M share capital raise offering Monday after close and the share price tanked

Best time to buy.  

[betarhoalphadelta]

I'm sure this type of thing happens daily to many of my holdings that are managed by a firm

but, I don't see ANY of it and therefore none of the

I'm working on pivoting my holdings to pretty much all low-cost index funds (like VTI)... Things like BB and RIVN are the sort of small "play money" picks. 

I should be about halfway diversified by the end of next week. (Although ESPP and vesting RSUs is going to increase employer stock holding over time needing to also then be diversified.)

I pay zero attention to what VTI is doing--even though what I've got there is much larger of my holdings than BB and RIVN, and will expand significantly as I work through my diversification. 

[Riffraft]

I'm working on pivoting my holdings to pretty much all low-cost index funds (like VTI)... Things like BB and RIVN are the sort of small "play money" picks.

I should be about halfway diversified by the end of next week. (Although ESPP and vesting RSUs is going to increase employer stock holding over time needing to also then be diversified.)

I pay zero attention to what VTI is doing--even though what I've got there is much larger of my holdings than BB and RIVN, and will expand significantly as I work through my diversification.

Done very similar thing. Hold mostly in various index funds, but have some but not as high a percentage in things like nvidia, lilly, Western Digital. Play money is in spacex and X-energy (figure small nuclear reactors are the future for ai energy needs) as well as a few others.  

[FearlessF]

I put my play money into a red sports car

horrible investment

[MrNubbz]

Ponies are running 

[betarhoalphadelta]

Done very similar thing. Hold mostly in various index funds, but have some but not as high a percentage in things like nvidia, lilly, Western Digital. Play money is in spacex and X-energy (figure small nuclear reactors are the future for ai energy needs) as well as a few others. 

I'm interested in nuclear but not sure which company or companies to bet on, and don't really understand the market well enough, so I am not in it at all. 

The main investment I'm making in nuclear is sending my son to Berkeley to study to be a nuclear engineer 

[MikeDeTiger]

I put my play money into a red sports car

horrible investment

It may lack as far as financial return, but in sheer enjoyment it beats the hell out of any index fund. 

[bayareabadger]

Can’t remember if I asked this on here, but sort of a mortgage homebuying calculator question.

I am in a position where I have a decent amount of cash and am potentially looking to buy a home. In theory I could put more in, avoid interest, which sounds good. But people will tell me, you could invest that and with the possibility of a refi, that’s a good idea (betting on long term growth outpacing 6-plus percent seems dicy, especially with taxes involved). And make the point that paying later is paying in deflated dollars and the interest comes off taxes with weighting early. 

The issue is I can get a calculator that will give me useful interest numbers, but no great calculator that would compare it to investment output/deflation. Does anyone know if there’s a good rule of thumb there or plug-in calculation? I to k  there is some numerical in which I can enter growth, deflation, interest rate, other loan basics and get an inflection point, but damn if I know what it is.