So, I know that since stock prices can keep going up, the max you can earn on a call option is uncapped.

For put options, since stock prices can’t go below $0, does this mean we are capped in our profit?

So, say I bought put option for $1 for stock priced at $10. Then, the max I can make is if stock goes to $0, so I’ll make $10?

WASHINGTON/BEIJING, April 4 (Reuters) - A deal to spin off the U.S. assets of TikTok was put on hold after China indicated it would not approve the deal following President Donald Trump's tariffs announcement this week, according to two sources familiar with the matter.

Trump on Friday extended by 75 days a deadline for ByteDance to sell U.S. assets of the popular short video app to a non-Chinese buyer, or face a ban that was supposed to have taken effect in January under a 2024 law.

https://www.reuters.com/markets/deals/trump-tiktok-sale-deadline-looms-us-looks-deal-2025-04-04

If I increase my DCA (dollar-cost averaging) and commit to riding this out for the next couple of years, is this one of those real wealth-building windows?

I started investing later than I wanted to, but I’m ready to stay consistent and focus long-term. Just wondering if this is one of those times where you can not only build real gains but also catch up if you’re behind.

Would love to hear from those who’ve been through similar market cycles—does this feel like a time to double down and stay patient?

“Could an Eagles Super Bowl victory tank the stock market? History says yes, but logic says no”

“Challenging economic times can often accompany a Philly win.”

https://www.cnbc.com/2025/02/08/could-an-eagles-super-bowl-victory-tank-the-stock-market.html

https://www.youtube.com/watch?v=tywzVN7v-1k - HC: Seven Sins - Pride

https://www.youtube.com/watch?v=H8pgQXNG_O8 - HC Seven Sins - Greed

yeah...almost nobody really studies emotions - let alone our own.

Emotional mastery is key to all things...but "logical" people miss the boat entirely. I've been there.

Oh yeah...caffeine suppresses our emotions until it can't.

Understanding your emotions and how they've been manipulated by larger forces (semi-hidden) may improve your financial performance.

I could go further on what I mean by "hidden" larger forces...but we'll wait another decade for that.

Hi! I am not a smart investor, but I feel like I have an opportunity. I was laid off in October. I rolled an $86k 401k over to an IRA at my bank in February. Because I’m lazy and didn’t know what to do with it, it has just been sitting there since. Not invested in anything. What should I be researching to put it into? I’m 50.

I have a similar amount in a different account that is in a money market fund steadily gaining about 5%. I have been drawing on this account during my time unemployed, it is where I dumped my lump sum severance and bonus payout when I got laid off.

I’m starting a new job at the end of the month and will start a new 401k contribution. I am fortunate that I will likely be able to max out this contribution as long as I have the job.

I'm still new to all this investing stuff, but correct me if I'm wrong. If people didn't panic so much about the markets, they would relatively stay the same?

Sure come quarterly reports and employment reports, things would look increasingly worse if these tariffs stayed at the levels they are (more than likely). And yes people would see short term profits and economic outlook look worse than previous years, but unless you think its never coming up again, being leveled headed you'd just hold.

Now if everyone wants profits now, and all sell to get a guaranteed 3-4% from a bank or equivalent. Than ya the market tanks.....

Am I just narrowly seeing this? What other factors are at play, always looking to learning....

We inherited an account that is currently held by Morgan Stanley with a financial advisor. We invest ourselves and want to transfer it out to Fidelity. If i initiate an ACATS account transfer do all these positions automatically get sold off for cash? I would call Morgan Stanley but its weekend now. Or do I have to tell them to liquidate everything first? Looks like there is no way for me to do this myself. There is no buy or sell button on the Morgan Stanley website.

We’re seeing some serious red right now, and it got me thinking—who here stuck to dollar-cost averaging (DCA) during the big COVID crash, or any other major drop in recent years?

If you rode the wave down and back up (at least until this current dip), what did that journey look like? What did you buy, how consistent were you, and how did it feel watching it rise over time?

I’d love to hear your experiences—whether you stayed the course, timed it well, or just kept buying no matter what. Let’s talk real returns, lessons learned, and maybe some confidence-building for folks who are new to all this.

Everyone is saying "dip dip dip" as if we are experiencing an overreaction to a small segment bubble.

95 years ago the US levied the Smoot-Hawley tariffs, worldwide tariffs that were designed to encourage domestic production and punish "cheating countries". This kicked off a trade war that had no small part in causing a world-wide depression.

The US has not levied global tariffs of this degree since then. Until yesterday.

What happened to US equities? After a roaring bull run during which wealth was printed and the every-day man flung money in the market it crashed. But not overnight. In fits and starts the DJI lost 90% of its value over a 3 year period.

It took 25 years for it to return to an ATH.

Trump has fired 10s of thousands of federal employees. He's spiking unemployment. He's taxing imports to the tune of 50-100%. Other countries will do the same to us. Our companies will start having mass layoffs, crushing economic activity and investment. Domestic production will not return, everyone one will be out of money to buy stuff anyways. The SH tariffs did nothing to encourage domestic manufacturing, it just made everyone poorer.

Maybe our monetary policy will prevent a Great Depression and we escape with "only" 8-10 percent unemployment, mild stagflation and the market takes 3-5 years to recover after a 50% fall.

I'd love to hear the thesis of why the market will recover or be higher in the next 12-24 months when we have a historical model staring us in the face.

I was planning on funding my 2024 Traditional IRA for my wife and I by the tax deadline. Due to the stock market situation, I’m contemplating keeping the cash in my 3.8% HYSA until things settle down and then fund 2025 Traditional IRA for us. This would mean skipping 2024 which I didn’t anticipate considering.

Thoughts? No debt except low % mortgage. Currently owe less than half of what we make per year.

Hey, I am trying to avoid a wash sale, can I do so by selling both the newest purchase as well as the two oldest purchases?

Oldest purchase was from 11/2024 newest lot purchases was 3/27/25. All the lots are negative right now. I do not plan on repurchasing the stock for at least 30 days.

I have a large position in VGIAX which is an actively managed account that is very tax inefficient that I would like to get out of. With the downturn, my position is mostly even making the capital gains I'd pay to sell mostly negligible. Is it wise to sell now, and re-buy into something more tax efficient (either VTI or VOO)? Or is this essentially just rationalizing a reason to sell low?

Can someone tell me if using this trading mechanism makes sense or if I’ve misunderstood something. My thesis is that the market will continue to go down significantly over the next few months to years but will eventually rebound. I don’t think anyone will be able to predict when that lowest point will be reached or the rebound will take place.

I had been stockpiling cash since trumps election predicting some global destabilizing economic event would take place and now have a small lump sum ready to deploy. Because I think the market will go much further but eventually rebound I’ve set orders as a trailing stop purchase for XGRO by 3%, with the understanding that the purchase order won’t activate until the equity rises 3% below its lowest point.

My thought process is that this will decrease the likely hood that I’ll purchase at far “too high” of a price in exchange for the fact that I’ll purchase at least 3% above the lowest point.

Does this make sense? I know the common advise is just to DCA downwards but I feel pretty confident that things are going to get worse before they get better.

Hi Reddit,

My wife and I have a good size post-tax portfolio in a basic three-fund allocation of ETFs (US stocks, international stocks, bonds). We also have a cash emergency fund and some money in cash equivalents (was earning great interest when rates were high).

My wife has seen the carnage of the last two days and wants to sell our US stocks to hold more cash. She believes that none of this will get better in the next few years, and Trump's sledgehammer to the economy won't stop.

I think selling when there's blood in the streets is a panic decision, and the stated purpose of our portfolio (long term wealth building) is unchanged. I think using some of our "dry powder" to buy during the Trump turmoil might work out well.

She trusts the stock market very little, preferring tangible investments like real estate. I see it as one of the few viable roads to long term wealth (along with the house we own).

I can't deny that echoes of Hawley-Smoot, the Great Depression, and the possibility of a constitutional crisis have me rattled too. I just don't want to make a snap, panic decision.

So: are any of you selling? What's your plan to re-enter the market? If you're holding, why?

Edit for context: we're on our mid-late 30s

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Hey guys I’ve put in a lot of money into the stock market and cryptos and I just wanted to hear some opinions if I should hold or take out because rn I am down by a lot and looking future i feel like I’m going to loss it all but then again idk please talk me out of this or if I should pull out? Thank you everyone!!

Buffet has my respect and almost all of his trading history is definitely from expertise and has been purposeful. However, this time around everyone is praising him for holding cash but this downfall of the stock market was unpredictable up until trump was elected. He was holding cash way before the election. What could he have possibly seen since selling his positions? Or was he selling for other reasons?

Just curious what you all feel most "confident" about putting your money in in these uncertain times. I'd love to make some money in this crazy market, but I understand that is very difficult, so if you have other "safe"/capital preservation ideas I'd love to hear those too! Just looking for opinions! Good luck and godspeed to everyone out there. These are very sad times for America and the global economy

Hi everyone, in lieu of what’s going on, I have a TLH question if you anyone can shed light on it. I have been going back and forth on this for a bit now, but especially after what’s been happening I thought I would ask.

I use Betterment as my platform for basically everything—checking, HYSA, investing account, Roth IRA. I just happen to like it that way—keeps me invested on a regular basis for DCA purposes. I am 24 y/o and would like to continue investing on a recurring basis. Nevertheless they have TLH, but for my tax bracket which is 12% ($62K/yr salary), this recommendation to not turn TLH on appears:

“TLH+ is not usually beneficial for individuals in your federal tax bracket of 12%. Once TLH+ is turned on (1) Avoid trading in any of the ETFs in the Betterment portfolio in other accounts. (2) Turn it off if you plan on liquidating the majority of your taxable account in under a year. Be aware of your portfolio strategies. Electing different portfolio strategies for multiple goals may reduce opportunities for Tax Loss Harvesting.”

So because of my salary and 12% tax bracket, they do not recommend TLH. Do I abide by this or turn it on regardless? Is there harm to having TLH on for me specifically?

Thank you very much!

Hi all. So I’ve been thinking of investing £1000 and I’ve been looking at gold. This is my first time doing anything like this so I’m here for advice. I’ve I invest in gold do I physically get the gold or or I just own £1000 of gold but without actually seeing it? What websites are best or the list trusted? Any info at all will helpful

Hello,

I am currently managing my ETF purchases in the program "Portfolio Performance." I am very satisfied with the program and find it easy to use. However, the program could not find the ETF, or its historical data: LU1781541179.

Do you know how I can get a CSV of the ETF's price data to manually update it? The ETF is listed on justETF and extraETF. Unfortunately, I couldn't find an export option there.

I have already contacted justETF to see if they can provide me with this data, but I doubt it will happen.

Do you know of any other options?

What do you think about Powell latest stance?

Do you think a rate cut is still coming in May/June/July?

https://www.cnbc.com/2025/04/04/powell-sees-tariffs-raising-inflation-and-says-fed-will-wait-before-further-rate-moves.html

I'll preface this by saying I'm 100% cash and waiting patiently on the sidelines to go all in on Amazon when it reaches a a certain price ( I've done this three times to amass wealth ), but if you're like me all cash, what indicators are you looking for before you enter the market ? Thanks.

*Edit sorry if this came across as gloating, or some kind of flex. I made some money during COVID and pulled out of the market back in 2023. I actually missed out on all the gains of 2024 when the stock market rallied as I had a kid and lost my risk tolerance. I'm not sure why this has caused so much hate and abusive inboxes with people going through my post history. I'd actually forgotten how toxic Reddit is, but to those of you who actually just answered my question, because that's all it was, good luck out there.

According to Bankrates annual emergency savings survey, only 28 percent of Americans have six months of emergency savings. Between government and tariff impacted layoffs, people are probably struggling at worst and moving into hunkering down mode at best.

Yet, I keep seeing the response in so many finance and investing threads to buy the dip. Have we lost touch that the vast majority of Americans cant afford to buy the dip? Because it appears that the real winners in all this will be the Top 1 percent who can buy the dip.

When the dust settles, is there any way we can rebuild and reimagine a free market economy and investing system that benefits the bottom 50 percent instead of reinforces the top 1 percent? Does anyone have a favorite book or thinker who has offered such a solution?