r/investing_discussion

If you had to choose one stock right now that is extremely undervalued and has the potential to outperform the S&P 500 over the next decade, which stock would you pick?

Smaller companies especially seem willing to experiment with mixed business structures now. TROO feels like an example of that shift happening in real time.

I’ve been thinking a lot about how I can build true multi-generational wealth, not just “retire rich,” but create a long-term family fund that can support future generations through dividends, real estate, businesses, trusts, etc.

One thing I keep circling back to: what happens if the US enters a prolonged period of population stagnation or decline?

A huge amount of long-term investing assumptions seem built on endless economic growth.

But birth rates are falling fast across most developed countries, immigration is politically unstable, and some economists think the US could eventually follow the path of places like Japan, South Korea, or parts of Europe.

So I’m curious how long-term investors here think about this.

If the US population flattens or declines over the next 30 to 50 years:

• What happens to residential and commercial real estate values long term?
• Do broad stock indexes collapse?
• Does capital become more concentrated into fewer cities? And which ones?
• Are cash-flowing businesses and dividend strategies more important than appreciation?
• Does AI/productivity offset demographics enough to matter?
• Would you structure a family fund differently today because of this risk?

Interested in serious macro and historical perspectives, especially from people thinking beyond normal retirement timelines and into century-scale wealth creation and preservation.

+4,7 % aujourd’hui, 133 € touchés, et surtout une séance qui raconte quelque chose.

✔ Ouverture 127,8

✔ Plus haut 133

✔ Maintien au-dessus des 131 en fin de séance

✔ MM20 désormais à 124,4

✔ MM100 autour de 129,3, maintenant travaillée / dépassée

✔ RSI ~49 → toujours pas de surchauffe.

On entend souvent : « ça monte trop vite ».

Petit rappel : le titre a quand même pris -35 % / -36 % en un an.

Quand une baisse a été violente, le mouvement inverse peut surprendre tout autant.

Ce qui m’intéresse surtout :

➡ compression entre les moyennes mobiles

➡ sortie progressive au-dessus de la MM100

➡ maintien des acheteurs malgré les tentatives de rejet sous 133.

Et n’oublions pas le calendrier :

📅 AG le 4 juin

avec plusieurs sujets potentiellement suivis de près :

•	stratégie et perspectives

•	activité commerciale / déploiements

•	éventuelles annonces de contrats

•	renouvellement des autorisations de rachat d’actions.

Pendant ce temps, les positions VAD continuent de payer :

💸 borrow rate

💸 coût de portage

💸 dividende à couvrir.

Je ne parle pas de lune ni de casino.

Je parle d’un dossier qui semble sortir progressivement d’une longue phase de compression.

Suis-je le seul à voir cette configuration se tendre ?

D’autres suivent-ils le dossier avec cette lecture technique / fondamentale ?

Curieux d’avoir vos avis 👀📈🚀

Just an idea, but not lengthy enough to really qualify as DD lol.

So **HOOD (**RobinHood) has a forward PE at ~31, but its earnings are growing as its price near lows.

FUTU (who owns Moomoo) is at a much better valuation ~10 PE. Similiar growth story with sales and earnings as HOOD. Their stock dipped BIG today due to China slapping them with a $230 million fee. (Which isn't even that bad considering their quarterly earnings.) Also, you get better valuations because it's a Chinese company - which may start trading for premiums over the next 3-5 years + gives you geographic diversification in your portfolio.

I own a little of both companies because I feel like they've both got good growth stories.Both have sales & earnings growth that's outpaced their market caps.

Just wanted to throw in my 2 cents - anyone else have strong opinions on HOOD / FUTU?

EDIT---I know FUTU dropped recently due to a $230 million penalty they're being assessed in China, but they're still fighting it. Might be a good time to buy since sales/earnings have been outpacing market cap for the past few years at least!

Lately I’ve been spending more time reviewing stocks than actually trading them.

At one point I thought improving as an investor meant finding better indicators, reacting faster, or catching the next big move early. But after watching hundreds of setups play out, I started noticing something else:A lot of bad trades already feel wrong before the entry.

Sometimes the story sounds exciting, the momentum looks strong, everyone online is bullish… yet underneath it, the fundamentals are weak, volume is inconsistent, or the move is already overextended.

I’ve also noticed how easy it is to confuse noise for conviction.

One green day suddenly becomes “the turnaround.”
One news headline becomes “the next big catalyst.”
One social media post makes people think a stock is guaranteed to run.

A while ago I saw someone share how they turned a solid gain into a painful loss simply because they kept convincing themselves to hold longer. That honestly stuck with me.

These days I trade much slower.

I spend more time watching price action, liquidity, earnings trends, and market reaction instead of chasing hype. Missing a move bothers me far less now than entering the wrong one.

Feels like surviving long term in the market has less to do with finding magical winners… and more to do with avoiding unnecessary mistakes.

Any other traders here going through the same process lately? Always good to exchange ideas, compare notes, and learn from each other a bit. Honestly feels like trading gets a lot easier when you’re not figuring everything out alone.

OpenAI still feels more like a research lab than a traditional company, which is why an IPO would instantly become one of the most watched tech offerings in years.

The real question is whether investors would value it like a software company, a cloud giant, or something entirely new. With AI now driving competition across search, productivity, and infrastructure, an OpenAI IPO could easily attract levels of attention we haven’t seen since Arm, maybe even bigger.

Would you buy in at launch, or do you think the hype would push the valuation too far?

Not gonna lie, the last few months changed the way I look at investing.

Earlier I used to buy almost every dip thinking “market toh upar hi jayega eventually.” Now I’ve become way more careful with valuations, position sizing, and how much risk I’m taking.

Also realized having cash during corrections feels way better than being fully invested all the time.

Has anyone else become more defensive lately? Or are you still investing the same way as before?

I used to put all extra money either in savings accounts or long-term investments.

But over time I realized short-term money needs a separate strategy too. Emergency funds, travel savings, upcoming expenses, or money waiting to be invested shouldn’t just sit idle.

The right balance between liquidity, safety, and decent returns honestly reduced more financial stress for me than chasing high returns did.

How do you manage your short-term money?
Liquid funds, FD's, savings account, or something else?

When a company mixes lending, assets, and fintech ambitions, it can either be a smart layered strategy or just lack of focus. The market usually punishes anything it can’t simplify quickly.
That’s what makes TROO interesting, it sits right in that grey area.

Everyone is talking about the massive news today. The US government is reportedly pouring $2 billion into quantum computing companies. They are even taking direct stakes in them.

Stocks in the sector are absolutely exploding. Some jumped over 20% to 30% in a single morning. It makes sense because quantum tech is huge for defense, cybersecurity, and advanced tech.

But most retail investors are missing the second layer of this trade.

The Secret Behind Quantum Hardware

The obvious move is to buy the tech companies. The less obvious move is to look at the physical supply chain.

Quantum computers aren't just lines of code. They are massive, complex machines. If you look at a picture of one, it is packed with:

• Copper-colored wiring and gold-plated connectors
• Heavy metallic shielding and structural metals
• Advanced cooling and cryogenic hardware

Advanced computing is not material-light. It is incredibly material-dependent. The more governments fund high-tech hardware, the more pressure it puts on global mining, refining, and secure supply chains.

The Safe Plays vs. The Wildcards

If you want conservative exposure to the metals pipeline, you look at giants like BHP or Teck Resources (TECK). They have massive copper exposure and huge balance sheets. But they are already heavily watched by institutions.

The real upside potential usually lives in the junior explorers. Every future mine has to start as an exploration project first.

A few interesting names are working in British Columbia right now:

• NovaRed Mining (CSE: NRED, OTCQB: NREDF): They are a copper-gold explorer, not a producer yet. They hold a massive project called Wilmac in BC’s Quesnel porphyry belt. It is about 160 square kilometers-roughly 2.7 times the size of Manhattan. It sits just 10 km west of the famous Copper Mountain. Recent soil programs at their North Lamont target showed solid copper hits (up to 379 ppm Cu), and they are preparing for drilling after upcoming geophysical surveys.
• Kodiak Copper (TSXV: KDK): Working on their MPD project in BC.
• Pacific Empire Minerals (TSXV: PEMC / OTC: PEMSF): Exploring their Trident project in BC.

The quantum rally is the front-page story today. But the materials pipeline is the second-order story that feeds it.

If quantum, AI, robotics, and massive data centers all keep expanding at the same time, the market will eventually have to care about who owns tomorrow's metal supply today.

*Not financial advice. Always do your own research before trading.

Most financial conversations online are about stocks, SIP returns, crypto, or “where to invest next.”

But very few people talk about the basics that actually make finances stable:
managing cash flow
keeping emergency funds
separating spending and investing money
having liquidity when life gets unpredictable
reducing financial stress, not just maximizing returns

A lot of people are trying to grow wealth while their day-to-day money system is still chaotic.

Ironically, the people who look financially calm usually aren’t chasing the highest returns every month. They’re just managing money well consistently.

What’s one money management habit that improved your financial well-being the most?

Ok guys I'm the guy who said a week ago that maybe Altman was dumping his position and causing the weak price action. I was downvoted to oblivion. But I'm back with another PSA and I hope I have earned a tiny bit of credibility for being right on the Altman situation.

So basically, I have a theory that certain hedge funds, particularly ones with affiliated market-making businesses (looking at you Citadel) have a new strategy which is when capital on options positions become VERY sizeable, you can actually profit by buying/selling the stock to win those option bets (yes, an option is a binary bet).

Here's how it works.

Let's say, they are able to aell $750m worth of premiums of outstanding call options owned by RDDT "longs". Because of what I described above, they can use those premiums to short the shares basically surpressing the price into expiration.

Now in 99% of cases this woudln't make sense because the risk to the short position is greater than the $750m premium valuec but now:

-Tons of volume today is just via passive ETFs, which are more predictable in their activity.
-Many "long" positiontakers only buying calls because they are of r/wallstreetbets culture
-$RDDT having a low public float due to being recently IPO'd
-All brokerages have basically moved to payment for order flow model so data on retail shareholder behavior is more available than ever

So basically what I'm saying is, if you want to stop the "manipulation", which in my mind is totally fair play to the manipulators, and you're a call or LEAPs holder, you can do so by selling your options and buying shares.

And no, the manipulators aren't out to get RDDT, they're just looking for opportunity and RDDT happens to be that right now.

Thanks for listening to my TED talk.

Position: 635 shares, sold 3 contracts of Jun 150 puts, sold 7 contracts of Jun 140 Puts.

I kept ₹15 lakh in my savings account for years because I thought “at least it’s safe.”

Finally moved most of it to a liquid fund last year.

Biggest realization:
idle cash has a hidden cost.

Approx comparison:
Savings account return: ~₹40k/year
Liquid fund return: ~₹90k/year

That’s nearly ₹50k extra without taking equity-level risk.

Also surprisingly helped me:
spend less impulsively,
separate emergency fund properly,
and stop treating all bank money as “available to spend.”

People focus too much on stock picking while lakhs sit idle earning 2.5–3%.

Anyone else using liquid funds for emergency money or short-term parking?

Suggest me one good mutual fund with moderate risk for 10-15 yrs of investment, want to invest 50000/yr.

https://preview.redd.it/nqx838t8ta2h1.png?width=1095&format=png&auto=webp&s=64cfa7af71599be0ed9e9e549ca3e81f21254639

I have to move things to next week early because I'm not around the next couple of days. Also this isn't a great week to do that as a lot of things are down significantly. But I'm going to try and maintain the 1%

Week 7: $573 on $53,800 invested
Week 8: $811 on $70,400 invested.
Week 9: $1093 on $103,450 invested
Week 10: $1040 on $97,400 invested
Week 11: $1077 on $102,800 invested.

I'll post this week's in the comments

last week's post:

https://www.reddit.com/r/TheRaceTo10Million/comments/1td415o/1_weekly_returns_from_options_week_11/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button

The thing is — I actually do have assets:

• around €9k in stocks
• around €2.7k in crypto

So technically I could almost wipe out the loan completely if I sold everything.

But mentally it feels weird to go from “having investments” to basically sitting with nothing just to get rid of the debt.

Right now I’m thinking about another approach:
just paying more than the minimum every month so I reduce the interest a lot, but still keep most of my assets invested.

At the same time… 15% sounds insanely high to me and part of me wants this debt gone immediately.

What would you do?