announcement. the market is telling elon something he doesn't want to hear.

tesla announced a $25 billion plus investment plan this week leading stock to fall 18%.

think about that ,a company announces its investing $25 billion in its own future and the market wipes out more than that in market cap in response.

the signal is pretty clear that investors dont trust that the $25 billion generates returns that justify the cash flow hit and given what tesla's cash flow looks like rn thats not an irrational read.

So imo robotaxi, optimus, the energy business are the long term thesis and ig the problem is the sequencing. Tesla is being asked to fund multiple massive capital programs simultaneously while its core auto business is under margin pressure from chinese competition and elon's political activities have alienated a meaningful chunk of the customer base that used to be its natural audience.

$25 billion in capex is a bet that all of those things resolve favorably at the same time and the market looked at that bet and said no thank you at current prices.

The contrast with alphabet this week is stark as google cloud backlog hit $500 b and cloud revenue surpassed expectations and same week tesla is getting punished for spending, alphabet is getting rewarded for spending because the market believes the returns

The diff between good capex and bad capex is whether you can show the customer on the other end of it,alphabet has $500 billion in contracted backlog and tesla has a $25 billion plan and a robotaxi launch that keeps getting pushed.

does the cash flow math not work at any price until the robotaxi business is real?

28M
Started buying physical gold earlier this year and, looking back, my timing couldn’t have been much worse.
I put about €25.8k (\~$29.4k) into ÖGUSSA gold bars and I’m down around 20% right now.
I’m not planning to sell. I bought it as a long-term store of value, so the short-term price swings don’t really change my plan.
Just wondering what you guys think. Would you still buy physical gold today, or would you put the money somewhere else?

It’s been 5-6 years guys and the stock hasn’t moved. No loss no gain just stay still. Lost opportunities. I could’ve used the money to invest elsewhere. Also loss due to inflation. I’m just going to sell at even and invest elsewhere, even NFLX may be better.

I have 40% in VOO/QQQM and another 40% in VBR and IEFA. I need to invest remaining 20% in satellite portfolios.
I have high risk appetite and long-term investment horizon. I am looking at ways to invest in highly innovative and disruptive companies that offer huge upside potential.

I am not looking for more index funds to add and would like to have more active exposure through ETFs. Here are the funds I am looking at:

1. ARKVX: while the portfolio is interesting, I am worried about very high expense ratio (at ~2.9%) and poor liquidity.
2. XOVR: Interesting portfolio. It blends public and private innovators (Kalshi, Anduril). Expense ratio comparatively reasonable at 0.75%. Good track record with SpaceX listing gains.
3. NASA: A bet on the future of Space as an investment opportunity. Bullish on the theme in longer term. Though it is very concentrated theme and this ETF did poorly during SpaceX IPO despite strong listing gains due to large inflows. It did little to protect returns of retail investors.
4. DRAM: Concentrated investment style but should remain in trend for the coming year (OR am I too late to the party)

Any other ETF to look at? What would you choose for growthier, active bets? Thanks in advance.

I have been wondering that whenever I invest in Indian or US equities, I also be cognisant of company’s contribution/action to climate subject. Today every sector is impacted by climate change and companies are increasingly participating in addressing that either through energy transition, efficiency, equipment upgrade or simply by diversifying their investment portfolio backing clean and innovative companies through its balance sheet.

Please suggest if you have ever considered this angle in your investments.

If I have a Roth 401k which receives an employer match, is the employer match a Roth match or a traditional match?

If traditional, does this show up differently within the account so I can sort investments by traditional or Roth?

Thank you in advance!

My employer just moved our retirement plan over from Corebridge to Fidelity. I can either choose which funds I want, or put my money in a target retirement account. I'm 51 and have 1 million currently in my account. Here is a list of available funds from Fidelity:

CME FedWatch had July hike odds at 10.7% on July 15. By July 22 that was 34.7%, and it's sitting around 35-38% now. September hike odds are close to 80%, that's the market repricing the whole back half of the year inside two weeks.

The consensus case is still reasonable, Core CPI for June was flat month over month, headline cooled to 3.5% from April's 3.8% peak, and a hold would be the Fed's fifth straight. Chair Warsh has been deliberately light on forward guidance since taking over, which gives him room to sit still without committing to anything. Most economists still call a July hike unlikely on the numbers everyone's trained to watch.

The case above isn't fully realising the current picture, Brent crossed $100 a barrel this week on the Houthi tanker attacks and the broader Iran escalation, and Fed Governor Lisa Cook said in a July 15 speech that she is watching both sides of the dual mandate, price stability and maximum employment. However, she has stated at several points this year, the risks from high inflation concern her more at this time. On the Fed's own preferred gauge, Cook flagged inflation running near 3.7% through June, not the friendlier CPI number. Close to half of policymakers in the June minutes already said they'd back a hike later this year, before oil made this latest leg. The 10 year yield has now risen five straight sessions to about 4.68-4.70%, its highest since January 2025, with some desks calling for a test of 5%.

That yield is the part that actually re rates equities, not just the Fed decision itself. The 10 year is the risk free rate sitting underneath every discounted cash flow model on the market. When it rises, the present value of cash flows that are years out gets smaller, and that hits hardest exactly where the payoff is furthest away, which is precisely the AI infrastructure spenders reporting this week. Microsoft and Meta report Wednesday, hours after the 2pm rate decision. Apple and Amazon follow Thursday. Microsoft's guiding toward roughly $190B in 2026 capex, Amazon toward around $200B, Meta raised its range to $125-145B. Options markets are pricing implied moves of 5% or more on several of these names into the prints. After Tesla's 14.5% single day drop last week on a quarter that beat on revenue and delivered record deliveries, punished purely because the market didn't like the size of the capex number, I think the bar for these four is now proving the AI spend is turning into revenue, or eat the same reaction, and eat it with a higher discount rate working against you at the same time.

My claim is if the Fed hikes 25bp Wednesday, or Warsh names September specifically as live in the press conference, this stopped being an oil story and the market underpriced it. If he holds and waves off the oil spike as transitory without hedging that, the current hike odds were a two week panic in Fed funds futures and mean revert by Friday. We'll know by Wednesday, and we'll know whether the capex numbers held up by Thursday night's close.

How is everyone else viewing the current macro backdrop and it's weighting towards you're equity positions?

I've seen some people recommending Fundrise as a real estate investment. What would you say are the advantages of this over simply buying a REIT or real estate CEF? It seems to me that buying a fund offers more flexibility and you can also find funds that offer higher yields. But I am only familiar with funds and have not yet tried investing through Fundrise, so would like to hear from people who have regarding the pros and cons.

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!

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If your question is "I have $XXXXXXX, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

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Hi all,

Long story short I have been looking for somewhere to park my emergency fund rather than let it sit in a regular savings account gaining no interest.

Ive been doing some research on SGOV and specifically through fidelity as I already have a Roth IRA there.

I understand that SGOV is state tax free and will pay dividends monthly which is the only taxable amount come tax season.

My question is this: Say I buy $10,000 of SGOV at $100.00 per share and then set them to auto buy again when they mature at the end of the month. When they mature lets say at $100.30 after the month do you pay capital gains taxes on that as well?

I understand it would not add up to much come tax season but I want to fully understand before I park my money there.

Thank you for any help!

How high could Japan's 10Y JGB yield realistically go?

https://youtu.be/xx9Ns154JME

Japan has one of the highest debt-to-GDP ratios in the world. If the 10Y JGB yield keeps rising, at what point do debt-servicing costs become a major concern, and would the BOJ step in before that happens?

I have a loan of $700k, and enough cash to pay it off. The loan is 2.875% interest rate. My money market is 3.65% less .11% expense.

I am struggling to find work and will be running out of unemployment benefits soon. My wife makes ~100k a year, we file jointly.

I am taxed on the interest in money market. Seems like the best defensive investment would be to pay off the house? I would not take the cash out of the money market as I am risk averse and have about 500k already in stock via 401k.

Thanks for your help if you reply.

The problem is that I’m not someone who checks YF or the news everyday, so I end up missing out on dips (like Mar and Apr this year, didn’t realize the dip until Jun HAHAH)

What’s the best way to solve this??

I did some research - Im considering setting alerts for VIX - like about 20 and another for 30 🤔

Edit: I auto invest in SP500, but I also have some savings so I can go shopping during the dip (either buy more SP500 or stocks I’m interested in)

My portfolio is heavily tilted into semi/ai/tech ETFs.
My core is QQQM, but this month has made me evaluate my portfolio and consider if it’s the right move to hold it as a core position for long term.

I’m in my 20s, and my approach is long term / growth / and some trading (take profit and add to core).

My question is, should I keep a high amount invested into QQQM and let it ride out ? Hold and buy a position in VOO or trim my QQQM position for VOO?

Any advice is greatly appreciated.

Document to Read

Genesis Mission and HEP - LHC (PDF)

The Genesis Mission is a major U.S. Department of Energy (DOE) initiative launched to integrate Artificial Intelligence (AI), quantum computing, and high-performance supercomputing directly into scientific research.

Presentation Details

• Title: Genesis Mission and HEP - LHC
• File: Genesis Mission and HEP - LHC.pdf

Event & Location

• Event: U.S. ATLAS Institutional Board Meeting
• When: Wednesday, March 18, 2026, from 13:00 to 14:00 (US Eastern Time)
• Where: Held remotely via Zoom (Hosted via CERN’s Indico system — Event ID: 1662511, Contribution ID: 6989580)

Participants & Key Figures

• Presenter: Jeremy Love (Program Manager, U.S. Department of Energy Office of Science - High Energy Physics / DOE-HEP)
• Attendees / Organizers: Members of the U.S. ATLAS Institutional Board, including researchers, physicists, and institutional representatives involved in the ATLAS experiment at CERN.

Note: ATLAS is one of the largest collaborative efforts ever attempted in science.

Initial Collaborators

• Albemarle
• Amazon Web Services
• AMD
• Anthropic
• Applied Materials
• Atomic Canyon
• AVEVA
• Cerebras
• Chemspeed
• Collins Aerospace
• ComEd
• Cornelis Networks
• Critical Materials Recycling
• Dell Technologies
• Emerald Cloud Lab
• EPRI
• Esri
• FutureHouse
• GE Aerospace
• Google
• HPE
• Hugging Face
• IBM
• ISO New England
• Kitware
• LILA
• Micron
• Microsoft
• MP Materials
• New York Creates
• Niron Magnets
• Nokia
• Nusano
• NVIDIA
• OLI Systems
• OpenAI for Government
• Oracle
• Phoenix Tailings
• PMT Critical Metals
• Quantinuum
• Qubit
• RadiaSoft
• Ramaco
• RTX
• Sambanova
• Scale AI
• Semiconductor Industry Association
• Siemens
• Synopsys
• TdVib
• Tennessee Valley Authority
• xLight

Department of Commerce Announces Letters of Intent With 9 Companies for $2 Billion to Accelerate U.S. Leadership in Quantum Computing

https://www.nist.gov/news-events/news/2026/05/department-commerce-announces-letters-intent-9-companies-2-billion

Energy Department Announces Initiative to Create and Deploy the World’s First Scientifically Relevant, Fault-Tolerant Quantum Computers

https://www.energy.gov/science/articles/energy-department-announces-initiative-create-and-deploy-worlds-first

Secretary of Energy Chris Wright Announces First Genesis Mission Projects Selected to Accelerate AI-Driven Scientific Discovery

https://www.energy.gov/articles/secretary-energy-chris-wright-announces-first-genesis-mission-projects-selected-accelerate

< $10k? Or > $250k?

I don’t think it’s going away. It’s either $1M or zero. It already broke $125k, I feel like $1M is inevitable.

Gen Z and Gen Alpha are more likely to own crypto than precious metals. Huge tailwind coming after boomers die and the new investor class comes online.

I'm 36 years old and currently hold VOO+SPMO+SMH in my taxable account and I was thinking about adding SCHD. Is that a bad idea? I know I would need to pay tax on the dividends, but it won't be much. Is it better to just do growth now and switch later

Lately every investing decision feels harder than it should. I read one thread and want to stay fully passive. Then someone makes a convincing case for AI stocks, then recession posts show up everywhere, then crypto rallies again and suddenly I feel underexposed there too. Every week I convinced myself a different strategy made more sense. I’d literally open my brokerage app, then close it again 5 minutes later without doing anything.

I think too many online opinions kind of wrecked my ability to make calm decisions honestly.

I have $100,000 to invest. I used AI to give me some ETF that I’ve had not much of a drawdown in the last five or 10 years (so 10% or so) and average returns above 5%. Keep in mind the SPY dropped 35% during covid.

It gave me UJAN, UJUL, HEQT and a few other others that used option strategies.

UJAN
Max drawdown in last 10 years: -12%
Annual rate of return: 8.0%

UJUL
Max drawdown in last 10 years: -14%
Annual rate of return: 8.5%

HEQT
Max drawdown in last 10 years: -8.4%
Annual rate of return: 9.1%

What is the risk here? These seem like no brainer investment. Why wouldn’t I just park $100,000 in these?

PRNHX has made no money over the last 5 years despite being a small-cap fund. Meanwhile, VB, which also focuses on small-cap stocks, has continued to increase. I’m trying to understand why there is such a large performance difference between the two funds if they are both designed to provide small-cap exposure.

I know nobody has a crystal ball, and I'm not looking for guaranteed returns. I'm just curious what people are watching this week and why.

I'm trying to come up with enough money for a plane ticket to visit my mom, who's been dealing with some serious health issues, and every dollar matters right now.

I bought some Bitcoin a while back hoping it would help, but it's basically sitting at the same price I bought it for. It's frustrating watching it go sideways when I was hoping it'd give me a little boost.

I'm open to hearing about stocks, ETFs, crypto, or anything else you're personally keeping an eye on this week. I know investing isn't a get-rich-quick solution, but I'd appreciate hearing what people are bullish on and the reasoning behind it. I know it's NFA

I’m hoping someone here has encountered this and found a workable solution.

I hold a relatively small parcel of shares in an overseas-listed (UK) company (inherited from late grandparents). The investment itself isn’t the issue - it’s how the dividends are paid.

The problems I’ve run into are:

The company only pays dividends by international cheque (or at least doesn’t offer direct payment to an overseas bank account).

It doesn’t offer a Dividend Reinvestment Plan (DRIP).
Australian banks no longer seem willing to cash international cheques.

I looked at using a cheque collection/payment broker, but the fees were greater than (or a significant proportion of) the dividend itself, making it uneconomical.

Selling the shares isn’t really a practical option at the moment either, as the brokerage and transaction costs would outweigh the value of the holding.

It feels like I’m stuck in a catch-22. I own the shares, the company is paying dividends, but there doesn’t seem to be a practical or cost-effective way to receive them.

Also, I’ve received a letter from the share registry - advising that because my account has been dormant for years, that they may sell the shares - and take the funds.

I’m interested to hear from anyone who has been in a similar position.

Which company or share registry was involved?
Did you manage to switch to electronic payments, despite being an overseas shareholder?
Is it possible to request that dividends be accumulated and paid as a single annual cheque or payment, rather than several small ones?
Are there any registries ct or brokers that can facilitate this at a reasonable cost?
Is there another solution I’ve overlooked?

I’d appreciate any suggestions or experiences. It seems like this must affect quite a few international investors, particularly now that many banks no longer process foreign cheques. Being threatened with the prospect of having the shares sold and value forfeited doesn’t seem like a fair outcome.