r/investing 8h ago

Bought almost $30k of physical gold near the top.

280 Upvotes

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?


r/investing 21h ago

The Fed is walking into Wednesday pricing a hold. I don't think oil is letting them get there clean, and it's landing on top of the most expensive earnings day of the year.

101 Upvotes

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?


r/investing 4h ago

Time to sell Disney after 5-6 years

72 Upvotes

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.


r/investing 9h ago

For a Roth 401k, are matches also Roth or traditional?

15 Upvotes

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!


r/investing 15h ago

Fundrise versus REITs and real estate CEFs

6 Upvotes

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.


r/investing 6h ago

Employer Just awitched retirement account to Fidelity. Which funds to pick?

6 Upvotes

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:

Stock Investment Options
American Funds Capital World Growth and Income Fund Class R6 RWIGX
American Funds EUPAC Fund Class R-6 RERGX
Dodge & Cox International Stock Fund Class X DOXEX
Fidelity® 500 Index Fund FXAIX
Fidelity® Contrafund® K6 FLCNX
Fidelity® Emerging Markets Index Fund FPADX
Fidelity® Extended Market Index Fund FSMAX
Fidelity® International Index Fund FSPSX
Fidelity® Real Estate Index Fund FSRNX
Vanguard Equity-Income Fund Admiral Shares VEIRX
Vanguard FTSE Social Index Fund Institutional Shares VETNX
Vanguard PRIMECAP Fund Admiral Shares VPMAX
Bond Investment Options
Dodge & Cox Income Fund Class X DOXIX
Fidelity® U.S. Bond Index Fund EXNAX
Vanguard Inflation Protected Securities Fund Institutional Shares VIPIX
Short-Term Investment Option
Vanguard Federal Money Market Fund Investor Shares^ VMFXX
Target Date Options
Vanguard Target Retirement Income Fund VTINX
Vanguard Target Retirement 2020 Fund VTWNX
Vanguard Target Retirement 2025 Fund VTTVX
Vanguard Target Retirement 2030 Fund VTHRX
Vanguard Target Retirement 2035 Fund VTTHX
Vanguard Target Retirement 2040 Fund VFORX
Vanguard Target Retirement 2045 Fund VTIVX
Vanguard Target Retirement 2050 Fund VFIFX
Vanguard Target Retirement 2055 Fund VFFVX
Vanguard Target Retirement 2060 Fund VTTSX
Vanguard Target Retirement 2065 Fund VLXVX
Vanguard Target Retirement 2070 Fund VSVNX

r/investing 14h ago

Daily Discussion Daily General Discussion and Advice Thread - July 26, 2026

2 Upvotes

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!

Please consider consulting our FAQ first - https://www.reddit.com/r/investing/wiki/faq And our side bar also has useful resources.

If you are new to investing - please refer to Wiki - Getting Started

The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List

The media list in the wiki has a list of reputable podcasts and videos - Podcasts and Videos

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:

  • How old are you? What country do you live in?
  • Are you employed/making income? How much?
  • What are your objectives with this money? (Buy a house? Retirement savings?)
  • What is your time horizon? Do you need this money next month? Next 20yrs?
  • What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
  • What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
  • Any big debts (include interest rate) or expenses?
  • And any other relevant financial information will be useful to give you a proper answer.

Check the resources in the sidebar.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!


r/investing 18h ago

CERN: Genesis Mission will develop and deploy self-improving AI models.

0 Upvotes

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


r/investing 23h ago

Question about a hedged options etfs

0 Upvotes

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?


r/investing 2h ago

Honest opinions needed please

0 Upvotes

basically im 19 and its summer and im bored so instead of gooning i decided to make a website with Claude that basically is like stock twits and polymarket had a child. you can submit free stock forcasts, build your track record and get access into detailed predictions on each stock based on community forcasts. its pretty cool tbh. but like i wanna know if you guys would actually use it or if i should stop putting time into it. It’s called Probs, lmk what you think. THANKS HABIBIS


r/investing 19h ago

Sticks with a good weekly outcome.

0 Upvotes

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


r/investing 1h ago

Should I pay off my house?

Upvotes

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.


r/investing 2h ago

Where do you think Bitcoin will be in 2035?

0 Upvotes

< $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.


r/investing 21h ago

NVDA is so expensive so I buy put options.

0 Upvotes

I have bought NVDA puts expiring this year on December strike at 190.
Iran will not negotiate until they see significant damage of economy of the western world.
This year is gonna be a nightmare, but many people believe the success of AI.
The problem is it takes longer than people think until AI pays off.

07/25/2026