r/InvestingandTrading

Hello, I’m in my mid-20s and enthusiastic about diving into the world of investment opportunities. With a steady income that falls within the middle range, I’m eager to discover ways to grow my wealth and secure my financial future. I believe now is the perfect time to start exploring options that align with my financial goals.

Any suggestions on where to begin first?

I think ServiceNow, Inc. (NOW) is getting caught in the broader “SaaS is dead” narrative and Wall Street may be overlooking what the company is actually becoming.

Right now the market seems obsessed with the idea that AI will destroy traditional SaaS companies:

• fewer employees = fewer software seats
• AI agents replace workflows
• cheaper AI-native competitors appear overnight
• enterprise software margins compress

And honestly, I understand the fear. A lot of SaaS companies probably *will* get disrupted.

But I think the market may be lumping NOW into the wrong category.

Most people still think of ServiceNow as:

“enterprise ticketing software.”

But increasingly it looks more like:

an operating layer for enterprise AI workflows.

The key thing I think investors are missing is that AI inside enterprises creates *more orchestration complexity*, not less.

Large companies still need:
• governance
• permissions
• workflow automation
• compliance
• approvals
• audit trails
• cross-platform integrations
• data coordination between departments

AI agents don’t magically eliminate those problems — in many ways they make them more important.

That’s where NOW seems uniquely positioned.

The company already sits deeply embedded inside enterprise operations:
• IT
• HR
• customer service
• security
• procurement
• operations workflows

Once those systems are integrated, switching costs become enormous. The platform becomes part of the company’s operational infrastructure, not just another software subscription. Several investors and analysts have highlighted this “process entrenchment” and high switching-cost moat recently.

What’s interesting is the stock has been heavily derated anyway because of broader AI/SaaS fear.
Despite strong AI product growth, raised guidance, and expanding AI offerings, NOW has sold off dramatically from prior highs amid worries that AI could compress traditional SaaS economics.

But the bear case may actually be creating the opportunity.

The market seems to be pricing NOW like:
• a mature SaaS company,
• with slowing growth,
• vulnerable to AI disruption.

Meanwhile the bull case is that NOW becomes:
• the orchestration layer,
• governance layer,
• and workflow control system
for enterprise AI adoption.

That’s a very different valuation framework.
I’m not saying it’s risk-free. Valuation is still premium relative to many software names and AI disruption risk is real. Even bulls admit the stock has historically traded at aggressive multiples.

But I think there’s a real possibility Wall Street is underestimating how valuable workflow ownership becomes in an AI-driven enterprise environment.
Curious what others think:

Is NOW a future AI infrastructure winner?
Or is this still just an overvalued SaaS company being disrupted in slow motion?

You’d think experience makes trading easier.

In some ways it does.

But it also makes you more aware of risk.

Earlier:
you only saw opportunity.

Now:
you also see what can go wrong.

That changes behaviour quietly.

Sometimes experienced traders don’t hesitate because they lack conviction.

They hesitate because they’ve seen how fast markets can humble confidence.

Took me years to understand that fear and maturity can sometimes look very similar.

Question for you:
has experience made you calmer… or more cautious?

chart by r/PierresLongTermCharts

I was asked to have a look at Nike as a possible long term buy....

What would you do??

Always always look at the chart before even dreaming of buying.

If you going to invest in stocks or etf's, you must learn to just have a look at price movement first. And the best way is to put up a chart.

But instead of using a daily timeframe, change it to a weekly one.

Then use a candlestick format. You can see more information. And emotion too. Green candles are good up weeks and red ones are bad down weeks.

And then all you do is add a simple moving average, to your chart. Most charting sites come with this indicator.

Change the parameter to 30 and i use a blue one.

Promise yourself to never buy when the price is UNDER the sma, like it is here.

Why?

Because the price is falling. And you never know how far its going to fall.

Rather look for the price to be firstly, above the blue sma.

Then look for the sma to at least have flattened out. (see up arrow "A")

Then look back for previous peaks or some sort of high.

Draw in a line there. (see my two down arrows)

If and only if the price manages to rise above the line, does one start looking to buy.

In this case, the price couldn't even get to the line.

So you do not buy.

And look what happened.

The price fell back below the sma and eventually below an old low too.

The long term trend is very much DOWN.

Stay away for now.

Can you see what I mean?

chart by r/PierresLongTermCharts

I have been asked to have a look at this stock.

If you had bought way back where my buy signal is, at say 21.10 you'd be up over 900% now. And it would have been a hold, all the way.

It is also a buy right now, if this weeks candle, seen top right, closes roughly where it is now, and not below that upper line, right at the top.

So why would you hold, all the way up?

The only way one can tell where a last low is made, is that very moment that a new high is made. Can you understand?

If one draws in a line, at the very top of a high or H, as soon as the price rises above that line or high, and makes a new or higher high, "HH", then look back and you have your low.

Draw in a line where the low is.

Only if the price closes under that line or low, would one look at selling.

If one looks at my first "?" mark, you can see that the red candle never closed below our line, so you simply hold, if you had these of course.

It did open under the line, but that long green candle "engulfed" the red candle before it.

This is a strong buy signal.

And so we go.

With HH's or higher high's and HL's or higher lows.

To try put it simply, when you see a new high, look back for the lowest point between the two high's you looking at, and you'll have you low.

You can see that right now its making a new high.

So then is the lowest point between the two high's, higher than the previous low?

Yes it closed above the line. The green candle that came after, just touched the line briefly.

And so you hold.

Hope this helps a bit.

Mine is definitely Palantir Technologies Inc. (PLTR).
I bought around $7 and sold around $40. At the time, I genuinely thought I was making the smart/rational decision.

The stock had already run massively, valuation metrics looked insane, dilution was a huge concern, and honestly I didn’t fully understand the business the way I thought I did.

A lot of it sounded abstract:

AI operating systems

ontology

data fusion

government/intelligence software

enterprise decision platforms

Back then it felt like the market was pricing in perfection for what many people viewed as “basically a government contractor.”

I also think I evaluated it too much on current fundamentals and not enough on future positioning. I didn’t fully foresee how important AI infrastructure, military AI, and enterprise AI deployment would become over the next few years.

At the time, locking in a 5x+ gain felt responsible. Now looking back, I realize there’s a difference between:

a stock being overhyped
vs
a company where the market still hasn’t fully grasped the long-term optionality.

Curious what stock others sold early that still bothers them a little — and more importantly, why you sold it at the time. Did your thesis actually change, or did the stock simply become something bigger than you originally understood?

📊 EXECUTIVE SUMMARY
Hantavirus outbreak on MV Hondius cruise ship (3 deaths, person-to-person transmission confirmed) positions Inovio Pharmaceuticals ($INO) as the only public company with direct DNA vaccine experience against the exact strains involved. Stock trading near all-time lows ($1.11) with +482% analyst upside potential.

🦠 CURRENT OUTBREAK STATUS

• Confirmed cases: 6 of 8 suspected (75% confirmation rate)
• Deaths: 3 (~50% mortality typical for Andes)
• Strain: Andes virus (only hantavirus with person-to-person transmission)
• Spread: Multi-country, passengers dispersed across 8+ nations
• Response: CDC/WHO activated, pandemic protocols engaged

🎯 INO’S UNIQUE POSITION

Direct Hantavirus Experience:
• DNA vaccines targeting Hantaan, Puumala and ANDES strains
• Studies backed by NIAID and U.S. Army
• TriGrid delivery system (electroporation) developed
• ONLY public company with specific IP on these strains
Technology Platform:
• SynCon: optimized DNA plasmid design
• CELLECTRA: smart delivery devices
• Rapid development capability (COVID-19 in 3 hours)
• No pre-existing vector immunity issues

💰 FINANCIAL SNAPSHOT

• Current price: $1.11 (near all-time low of $1.03)
• Market cap: $75.31M (extremely low for biotech)
• Analyst target: $6.75 (+481.9% upside potential)
• Cash runway: Q4 2026 (sufficient for catalysts)
• 2025 revenue: $65K (-70% vs 2024, irrelevant for biotech)
• Pipeline lead: INO-3107 (PDUFA date Oct 30, 2026)

🚀 IMMEDIATE CATALYSTS

1. Trump Report (Promised Friday)
   Administration promised full hantavirus situation report
2. International Escalation
   Passengers dispersed across 8+ countries, cases under investigation
3. Government Funding
   BARDA historically acts fast in emergencies (e.g., $176M to Moderna)
4. Partnership/Licensing
   Existing IP attractive to big pharma or governments
5. Technical Advantage
   DNA platform enables faster development than traditional vectors

📈 INVESTMENT THESIS

• Only direct hantavirus exposure in public markets
• Proven DNA platform technology
• Government historically moves fast on outbreaks
• Extremely oversold technically
• Multiple near-term catalysts

🎯 CONCLUSION

$INO represents unique speculative play with favorable risk/reward asymmetry:
UPSIDE: Only direct hantavirus exposure, trading at lows, multiple catalysts
DOWNSIDE: Limited given current valuation and technical expertise
THESIS: If outbreak escalates or governments act, INO could see explosive moves given unique fundamentals and oversold technical position.

I bought Roblox stock option do I buy more or sell its expire 5/29 strike 44 call option

I bought at peak 44 and lost 50% I am thinking of buying more like 5k worth more