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8no6r9 | Fire Mom guilt | So this is probably more of a rambling of my thoughts rather than a specific question \- but mostly curious to see if others are/have been in a similar situation. And before I start I want to acknowledge that I realize that I’m in a very lucky situation and this is a very first world problem, so I’m not looking for sy... | 1,527,818,800 | 2018-06-01 02:06:40 | StillCauliflower | 44 | 112 | 0.7 | null | /r/financialindependence/comments/8no6r9/fire_mom_guilt/ | https://www.reddit.com/r/financialindependence/comments/8no6r9/fire_mom_guilt/ | financialindependence | 3m |
8l1f08 | opinions on my plan | Here is my situation:
50yo single male in western US
19yo son finishing gap year
approx $1M in IRA and Roth IRA accounts
approx $400k in non-retirement savings
eligible for pension of about $2k/mo at age 55. at 60 it would be $2600 and at 65 it would be $3900
eligible for maximum SS benefit
left job and sold home at b... | 1,526,914,571 | 2018-05-21 14:56:11 | bob_lala | 14 | 10 | 0.68 | null | /r/financialindependence/comments/8l1f08/opinions_on_my_plan/ | https://www.reddit.com/r/financialindependence/comments/8l1f08/opinions_on_my_plan/ | financialindependence | 3m |
8a7rgt | LCOL/MCOL areas with warm climate in the US to retire? | I've been a long time lurker here, and this is my first thread.
I'm saving up for RE, and hoping to finally retire in a few years with a target portfolio of about 1.3M.
33yo, single, no kids.
I'm currently living in VHCOL area, and staying here after retiring is not sustainable.
I'm looking for recommendations for LCOL... | 1,523,001,717 | 2018-04-06 08:01:57 | GeorgeSteinbrenner2 | 61 | 160 | 0.85 | null | /r/financialindependence/comments/8a7rgt/lcolmcol_areas_with_warm_climate_in_the_us_to/ | https://www.reddit.com/r/financialindependence/comments/8a7rgt/lcolmcol_areas_with_warm_climate_in_the_us_to/ | financialindependence | 3m |
7skdym | Resources for diversification and income streams | I'm 36, married (no kids) ,and living in the SF Bay Area. For the past 10 years, I've been focusing on only two areas to accumulate wealth: real estate and stocks. Fortunately, both have been on pretty insane runs and I just broke $3m last week. I've accumulated 4 properties, although they don't produce much since it i... | 1,516,765,230 | 2018-01-24 03:40:30 | sn618 | 10 | 6 | 0.71 | null | /r/financialindependence/comments/7skdym/resources_for_diversification_and_income_streams/ | https://www.reddit.com/r/financialindependence/comments/7skdym/resources_for_diversification_and_income_streams/ | financialindependence | 3m |
7rrijy | 2017 Budget and FIRE checkup | I just updated my budget spreadsheet for the last quarter of 2017. While we did have some big expenses (like a move and a new furnace) last year, it still came in at a number I'm ok with.
Total outflow. $95,600
About $29k went to loan principal.
Our cars depreciated by about $4k total.
Therefore, total cost of livin... | 1,516,467,429 | 2018-01-20 16:57:09 | moneyminded14 | 17 | 3 | 0.73 | null | /r/financialindependence/comments/7rrijy/2017_budget_and_fire_checkup/ | https://www.reddit.com/r/financialindependence/comments/7rrijy/2017_budget_and_fire_checkup/ | financialindependence | 3m |
7qd2be | To (semi) retire or not to retire? | TLDR: Possibly FI but may not be ready for RE. Want to quit, but may not be able to get another comparable job. Quit or not?
I find myself in a situation (of my own making) where I am theoretically FI, but would have preferred a few more years of paychecks before RE, but really want to quit my current job. I have been... | 1,515,949,895 | 2018-01-14 17:11:35 | Throwaway_821957 | 5 | 11 | 0.6 | null | /r/financialindependence/comments/7qd2be/to_semi_retire_or_not_to_retire/ | https://www.reddit.com/r/financialindependence/comments/7qd2be/to_semi_retire_or_not_to_retire/ | financialindependence | 3m |
7plb8v | Buy a house or rent forever? | I'd like to achieve FI by 50 years old. I am now 34, married, one soon-to-be kid. I'm trying to figure out if it ever will make sense to buy a house. My job is never stable (I make good money, but tend to hold jobs 1-2 years then have a few months off in between.) That might change, but also might not - so I need to be... | 1,515,641,774 | 2018-01-11 03:36:14 | hereverycentcounts | 430 | 609 | 0.9 | null | /r/financialindependence/comments/7plb8v/buy_a_house_or_rent_forever/ | https://www.reddit.com/r/financialindependence/comments/7plb8v/buy_a_house_or_rent_forever/ | financialindependence | 3m |
7o3zvi | Major Milestone met - just need to share | So like many others, I (46m) feel the need to share here since I can't talk about this to anyone else (other than my wife (39f), and she was like "Meh - we didn't already?").
Today, we hit $1m in NW. I wasn't born into wealth, and one of the major driving factors of my FI journey is that I am still traumatized by m... | 1,515,082,549 | 2018-01-04 16:15:49 | TomWaitsAround | 420 | 130 | 0.89 | null | /r/financialindependence/comments/7o3zvi/major_milestone_met_just_need_to_share/ | https://www.reddit.com/r/financialindependence/comments/7o3zvi/major_milestone_met_just_need_to_share/ | financialindependence | 3m |
7mv1px | FIRE plans for SINK couple with major medical issues | Short and sweet of our situation... input/advice welcome.
Wife and I are 40/43. She's medically retired with a small pension ($25k), I'm the primary income with my own small business (~$280k/year for now, but see below). No kids, no plans for them.
Recently I was diagnosed with a rare type of cancer. Prognosis i... | 1,514,562,666 | 2017-12-29 15:51:06 | packfish5 | 17 | 30 | 0.72 | null | /r/financialindependence/comments/7mv1px/fire_plans_for_sink_couple_with_major_medical/ | https://www.reddit.com/r/financialindependence/comments/7mv1px/fire_plans_for_sink_couple_with_major_medical/ | financialindependence | 3m |
7kun89 | Buying an apartment? | Thus far I have never seen the point of buying an apartment as a sound financial decision. But I'm starting to wonder whether at some point it will start to make sense as a FI tool.
I'm in my late 30s and I have about $900k in assets. (About $150k of which in tax-deferred accounts.) I have always rented. I live in a... | 1,513,703,642 | 2017-12-19 17:14:02 | Tzing530 | 29 | 21 | 0.82 | null | /r/financialindependence/comments/7kun89/buying_an_apartment/ | https://www.reddit.com/r/financialindependence/comments/7kun89/buying_an_apartment/ | financialindependence | 3m |
7fhfbe | First million at 27! | [Proof](https://imgur.com/a/SasaQ) (If you believe that everything on the internet must be true. :P)
Hey guys!
I've been lurking here for about a year after realizing there is an actual community for folks with my mindset.
I unfortunately don't have too much of a rags to riches story. My journey started when I joine... | 1,511,638,639 | 2017-11-25 19:37:19 | htrajan | 480 | 358 | 0.75 | null | /r/financialindependence/comments/7fhfbe/first_million_at_27/ | https://www.reddit.com/r/financialindependence/comments/7fhfbe/first_million_at_27/ | financialindependence | 3m |
7del3j | Reminder: Don't forget pre-retirement inflation when deciding your Target Number (a.k.a., Why you might need to save 50% more than you thought) | It's well understood that the Safe Withdrawal Rate calculations account for inflation once you begin to draw from it. Something worth reiterating is that you need to account for inflation before you retire as well.
This becomes more important the further out your target date is. This isn't a definitive guide to calcul... | 1,510,858,813 | 2017-11-16 19:00:13 | Warbane | 0 | 25 | 0.45 | null | /r/financialindependence/comments/7del3j/reminder_dont_forget_preretirement_inflation_when/ | https://www.reddit.com/r/financialindependence/comments/7del3j/reminder_dont_forget_preretirement_inflation_when/ | financialindependence | 3m |
79p3ah | 6 years of net worth towards FI. | Started tracking net worth in Oct 2011, [here is a chart for the last 6 years.](https://imgur.com/a/3Kutj)
Liquid is cash, investments, RRSP (like a 401k), TFSA (like a Roth IRA).
Future is extra, future bonuses and stock options that will vest in the next 12 months, above any base pay and bonuses.
Everything i... | 1,509,383,133 | 2017-10-30 17:05:33 | throwaway_canada1 | 213 | 146 | 0.87 | null | /r/financialindependence/comments/79p3ah/6_years_of_net_worth_towards_fi/ | https://www.reddit.com/r/financialindependence/comments/79p3ah/6_years_of_net_worth_towards_fi/ | financialindependence | 3m |
77nkt4 | Best taxable account for retirement disbursements? | MY ASSETS:
$5M - Cryptocurrencies.
$500K - House, paid in full.
$200K - Cash, in checking account.
$100K - Traditional 401K.
$25K - Roth IRA.
MY LIABILITIES:
My spouse and I have no debt.
MY SITUATION:
I'm married and am in my mid-30's. We have no kids. I work a tech job that pays around $80K/year. My spouse has a... | 1,508,520,104 | 2017-10-20 17:21:44 | SmallBigSlim | 0 | 12 | 0.45 | null | /r/financialindependence/comments/77nkt4/best_taxable_account_for_retirement_disbursements/ | https://www.reddit.com/r/financialindependence/comments/77nkt4/best_taxable_account_for_retirement_disbursements/ | financialindependence | 3m |
6qtg0f | FIRE now or wait a year? | I'm itching to leave corporate America and I think I'm ready. Struggling with the 'one more year' syndrome and need some guidance from you guys.
I have an extremely demanding job that I do not hate (actually I like it) but I'm ready to move on and do new things. It's just impossible to have a decent work-life bala... | 1,501,555,740 | 2017-08-01 02:49:00 | throwawayrefi | 4 | 25 | 0.54 | null | /r/financialindependence/comments/6qtg0f/fire_now_or_wait_a_year/ | https://www.reddit.com/r/financialindependence/comments/6qtg0f/fire_now_or_wait_a_year/ | financialindependence | 3m |
6nutpe | Advice on FIRE Portfolio Allocation & Plan | Quick background -- I'm 29 and making $65k and my SO is 28 and making $60k in a HCOL city. I took the plunge to focus on our finances around 2014, and since then I have kept an Excel chart mapping every single financial transaction. The goal is the RE around 43-45. We both currently contribute 15% to 401k and max ou... | 1,500,314,675 | 2017-07-17 18:04:35 | Mlearly1209 | 0 | 5 | 0.44 | null | /r/financialindependence/comments/6nutpe/advice_on_fire_portfolio_allocation_plan/ | https://www.reddit.com/r/financialindependence/comments/6nutpe/advice_on_fire_portfolio_allocation_plan/ | financialindependence | 3m |
6lih2r | Are my FIRE numbers worthy of quitting my day job? Addicted to new deals! | My husband is planning on quitting his day job April 1 2018, Age 60 I am not making the leap, mainly because I like to shop for RE deals and fear that lack of a W-2 income will make this more difficult, I am 53. Would someone with experience comment on what we will experience without our W-2 income, but with an establ... | 1,499,304,223 | 2017-07-06 01:23:43 | FININD18 | 0 | 12 | 0.5 | null | /r/financialindependence/comments/6lih2r/are_my_fire_numbers_worthy_of_quitting_my_day_job/ | https://www.reddit.com/r/financialindependence/comments/6lih2r/are_my_fire_numbers_worthy_of_quitting_my_day_job/ | financialindependence | 3m |
6l74cx | 4%? 3%? 3.141%? Choosing a SWR for me | How do (or did) you make your SWR decision? The Trinity study came up with 4% for 30 years, likely 3.5 for longer term. On the one hand, CAPE values are horrendous and I don't want to diversify to bonds because, well, interest rates.
On the other hand, more adaptive spending plans (which may make sense with high WR) si... | 1,499,175,699 | 2017-07-04 13:41:39 | MobiusGripper | 1 | 11 | 0.52 | null | /r/financialindependence/comments/6l74cx/4_3_3141_choosing_a_swr_for_me/ | https://www.reddit.com/r/financialindependence/comments/6l74cx/4_3_3141_choosing_a_swr_for_me/ | financialindependence | 3m |
6ksndv | FI plan review (UK) | **Life Situation**: Mid/late thirties with spouse and 2 kids; dual national UK and another country I'll leave unnamed (let's call it Lilliput). Grew up in Lilliput, moved to the UK about five years ago.
**FIRE Progress**: We're aiming for £2.5m-£3m, see the plan below. At the moment, our net worth is ~£1.4m, all inclu... | 1,498,992,062 | 2017-07-02 10:41:02 | toifaornottoifa | 0 | 2 | 0.5 | null | /r/financialindependence/comments/6ksndv/fi_plan_review_uk/ | https://www.reddit.com/r/financialindependence/comments/6ksndv/fi_plan_review_uk/ | financialindependence | 3m |
6iosx3 | Buying a house in cash - FI/RE Perspective | Hi FI
Using a throwaway due to personal info. I've heard and read the pros and cons of buying a house in cash from the PF prospective, but I want to look at it from an FI perspective. Here's the situation:
I'm in my late 20's. My wife and I are looking at buying a home sometime in the next few years (I'm asking for ... | 1,498,079,176 | 2017-06-21 21:06:16 | yeoldereddittaccount | 18 | 37 | 0.73 | null | /r/financialindependence/comments/6iosx3/buying_a_house_in_cash_fire_perspective/ | https://www.reddit.com/r/financialindependence/comments/6iosx3/buying_a_house_in_cash_fire_perspective/ | financialindependence | 3m |
699a6a | 401K vs. ESPP | Okay, for reasons, I don't have a lot of money to shake out of my current budget. But my company just went public, and we have the option of an Employee Stock Purchase Plan.
The gist of which is: we can have paycheck withholding for a period and at the end of that period, we get to buy stock in the company for 15% be... | 1,493,921,982 | 2017-05-04 18:19:42 | real-numbers-throw | 20 | 33 | 0.77 | null | /r/financialindependence/comments/699a6a/401k_vs_espp/ | https://www.reddit.com/r/financialindependence/comments/699a6a/401k_vs_espp/ | financialindependence | 3m |
66hq4i | It's my 40th birthday, and I've finally decided to take the plunge. Where should I retire: Austria or Switzerland? | Currently living in Basel, Switzerland working for a Pharma company in a job that I hate, making $100k per year. Recently split up with my long term partner. No children or plan for children.
I have approx. $5M worth of assets. In case you are curious: In the 90s I invested in a friend's startup which blew up, then I ... | 1,492,695,435 | 2017-04-20 13:37:15 | intslack | 27 | 77 | 0.73 | null | /r/financialindependence/comments/66hq4i/its_my_40th_birthday_and_ive_finally_decided_to/ | https://www.reddit.com/r/financialindependence/comments/66hq4i/its_my_40th_birthday_and_ive_finally_decided_to/ | financialindependence | 3m |
6428rf | At what point to up standard of living? | I'm doing pretty well in that I have high amount of savings, living below my current income.
Now the question is: Do I drastically up my standard of living to 'rich' people levels? Or do I keep it at 'upper middle class' levels?
I'm 36yo
I spend about $70,000/year
I save about $110,000/year
I have about $1.3m in savi... | 1,491,590,165 | 2017-04-07 18:36:05 | spring1112 | 0 | 10 | 0.37 | null | /r/financialindependence/comments/6428rf/at_what_point_to_up_standard_of_living/ | https://www.reddit.com/r/financialindependence/comments/6428rf/at_what_point_to_up_standard_of_living/ | financialindependence | 3m |
63yd5o | Looking for guidance and/or tough love - FIRE without a car | Hey, r/financialindependence!
I've had a lot on my mind lately. I don't think it's even healthy for me to be thinking about any of this right now, so I'm looking for someone to slap me around a bit or put my mind at ease.
Basically, my wife and I want to retire after five more years of working. Given the numbers, thi... | 1,491,540,497 | 2017-04-07 04:48:17 | GRardB | 6 | 8 | 0.66 | null | /r/financialindependence/comments/63yd5o/looking_for_guidance_andor_tough_love_fire/ | https://www.reddit.com/r/financialindependence/comments/63yd5o/looking_for_guidance_andor_tough_love_fire/ | financialindependence | 3m |
63alx4 | Are some of the FI posts delusional? | Ok, I’m going to throw this out just for a discussion. I keep seeing these FI threads of I’m 30-50 years old, have 500k - 1M in the bank and should be FI. I just don’t see how that could possibly work with the time horizon (a 30 year old could have 60 years to live still) or the small amount of money. I’m 45 and ha... | 1,491,263,245 | 2017-04-03 23:47:25 | throwawayfi22 | 54 | 159 | 0.71 | null | /r/financialindependence/comments/63alx4/are_some_of_the_fi_posts_delusional/ | https://www.reddit.com/r/financialindependence/comments/63alx4/are_some_of_the_fi_posts_delusional/ | financialindependence | 3m |
5oh00i | FI in Asia | Introduced to this subreddit a month ago, now in the process to opening a brokerage account to start my investment for retirement. Although most of you seem to be from USA, please see if my plan works.
Married 28/F based in Asia. No ROTH,Pension,HSA available.
All $ in USD:
NW: 90K USD cash, 1M in real estate (yes,... | 1,484,642,647 | 2017-01-17 08:44:07 | alwayshungry321 | 0 | 14 | 0.5 | null | /r/financialindependence/comments/5oh00i/fi_in_asia/ | https://www.reddit.com/r/financialindependence/comments/5oh00i/fi_in_asia/ | financialindependence | 3m |
5mkdt7 | Approximately FI, well paid, don't hate job. Would you take opportunity for higher pay and to meet career goals? | My wife and I are probably FI. We have a NW of ~3M (2.5 liquid between cash, investment, retirement), but live in a HCOL area, and have a couple of young children. As our NW and my income has grown, we've allowed some lifestyle inflation -- the majority of which is sending my kids to private school. The tab for this is... | 1,483,794,200 | 2017-01-07 13:03:20 | fi_ta_12345 | 6 | 38 | 0.57 | null | /r/financialindependence/comments/5mkdt7/approximately_fi_well_paid_dont_hate_job_would/ | https://www.reddit.com/r/financialindependence/comments/5mkdt7/approximately_fi_well_paid_dont_hate_job_would/ | financialindependence | 3m |
5k5cko | Came into substantial wealth, followed all the basic advice, now what? Long post, numbers included, ideas appreciated. | First, I know, seriously, fuck me. I have never seen numbers like these discussed here, and I realize they are out of this world. So much so, that I really have nobody to ask for advice that doesn’t want to charge me an AUM fee. I am highly analytical, have done everything I can think of, and still need to do more, as ... | 1,482,617,397 | 2016-12-24 22:09:57 | srsly-fuck-me-fi | 111 | 164 | 0.74 | null | /r/financialindependence/comments/5k5cko/came_into_substantial_wealth_followed_all_the/ | https://www.reddit.com/r/financialindependence/comments/5k5cko/came_into_substantial_wealth_followed_all_the/ | financialindependence | 3m |
5eg56h | My Life after FI (reached at 42 Years Old) | In one of the other threads, someone commented about how there’s a lot of information about how to get to financial independence, but not much about after FIRE. It’s been almost exactly two years for me, so I figured I’d share my story.
###The Beginning
I started my FIRE strategy right after finishing college in 1996 ... | 1,479,887,178 | 2016-11-23 07:46:18 | LesserApe | 663 | 211 | 0.92 | null | /r/financialindependence/comments/5eg56h/my_life_after_fi_reached_at_42_years_old/ | https://www.reddit.com/r/financialindependence/comments/5eg56h/my_life_after_fi_reached_at_42_years_old/ | financialindependence | 3m |
59gcue | I believe I am very near to financial independence but I need YOUR help. | I am ~30 and from a third world country. **I moved to US some years back and now I am back to my country.** I gave away(invested?) almost all of my first 4-4.5 years of earnings to my family (around $250K) but I am originally from a poor family. This is relevant because I am not expecting anything back from my parents ... | 1,477,468,332 | 2016-10-26 07:52:12 | throwaway_escwdx | 27 | 43 | 0.67 | null | /r/financialindependence/comments/59gcue/i_believe_i_am_very_near_to_financial/ | https://www.reddit.com/r/financialindependence/comments/59gcue/i_believe_i_am_very_near_to_financial/ | financialindependence | 3m |
58ccqm | Financial Independence Plan | First time poster. There are a few questions which fall into different categories but all revolve around FI plan.
**Demographics:**
Married Couple: M (37) F (42)
Dual Military both Officers
Children: son (15) daughter (2)
Current assignment: AZ
Planned retirement: CO
Male has high risk tolerance (Aggressive Gro... | 1,476,906,370 | 2016-10-19 19:46:10 | retirementbound | 3 | 7 | 0.58 | null | /r/financialindependence/comments/58ccqm/financial_independence_plan/ | https://www.reddit.com/r/financialindependence/comments/58ccqm/financial_independence_plan/ | financialindependence | 3m |
55ebz7 | Quitting my job and flexing my FI muscle! | I put in my resignation notice with my big4 CPA firm last week. I've been working at big4 accounting firms since graduating college, and didn't particularly have the best experience at the latest one. In total I've spent 9 years climbing the public accounting ladder. I put in my notice the moment I wouldn't have any cl... | 1,475,344,678 | 2016-10-01 17:57:58 | CPAthrowawayFIRE | 0 | 14 | 0.43 | null | /r/financialindependence/comments/55ebz7/quitting_my_job_and_flexing_my_fi_muscle/ | https://www.reddit.com/r/financialindependence/comments/55ebz7/quitting_my_job_and_flexing_my_fi_muscle/ | financialindependence | 3m |
5356z9 | Thoughts on FIRE and couple concerns? | Here is situation:
- Married, early forties, 3 kids in early grade school
- Income of ~140k, spouse ~ 65k, and have separate business ~ 45k; 250 total
- gross net worth = $4.5M; after tax net worth = $3M (assuming cash out of pre-tax investments today, pay taxes, penalties, etc...)
- live in Midwest, relatively reasona... | 1,474,075,462 | 2016-09-17 01:24:22 | buckredditor | 0 | 13 | 0.27 | null | /r/financialindependence/comments/5356z9/thoughts_on_fire_and_couple_concerns/ | https://www.reddit.com/r/financialindependence/comments/5356z9/thoughts_on_fire_and_couple_concerns/ | financialindependence | 3m |
4vtlb3 | I'd like to retire at 35, not sure if I can do it. | Fresh out of college. Age: 21
My job pays ~4200/month post tax. I live with my parents currently.
Costs/month
Rent: $400
College Loans: $1000
Gas: $50
Food: $100
Phone Plan: $10
My college loans are to my parents, and they're only charging me 2.5% interest or the current interest on the home-equity loan(Which ... | 1,470,158,245 | 2016-08-02 17:17:25 | SummeR- | 0 | 35 | 0.44 | null | /r/financialindependence/comments/4vtlb3/id_like_to_retire_at_35_not_sure_if_i_can_do_it/ | https://www.reddit.com/r/financialindependence/comments/4vtlb3/id_like_to_retire_at_35_not_sure_if_i_can_do_it/ | financialindependence | 3m |
492kcy | The Five Wild Cards - and the one keeping my finger off the trigger | Thanks to the recent uptick in this market volatility and general downward trend in the past year, I have hit my FI goal for the FOURTH time (750k, providing 30k/yr @ 4%, plus 300k house). Interesting side note: If I consider my full ER date by net worth ($1.3M) or time worked (13 years), both values put me at 81%.
I ... | 1,457,187,654 | 2016-03-05 14:20:54 | jasonlong1212 | 26 | 11 | 0.79 | null | /r/financialindependence/comments/492kcy/the_five_wild_cards_and_the_one_keeping_my_finger/ | https://www.reddit.com/r/financialindependence/comments/492kcy/the_five_wild_cards_and_the_one_keeping_my_finger/ | financialindependence | 3m |
3x9gtb | Received an offer with a significant salary bump and relocation to NYC - asking for feedback on my FI plan! | Hi everyone,
I am a long time lurker and first time poster. I have been a big fan of this community ever since I discovered it last year, and am finally in the position to seek your advice and feedback. I am a 31 year old male who currently brings in about $100k before taxes in a major city in the South. Because I wa... | 1,450,386,592 | 2015-12-17 21:09:52 | fi_inquirer_2015 | 32 | 54 | 0.82 | null | /r/financialindependence/comments/3x9gtb/received_an_offer_with_a_significant_salary_bump/ | https://www.reddit.com/r/financialindependence/comments/3x9gtb/received_an_offer_with_a_significant_salary_bump/ | financialindependence | 3m |
3vi9cl | I tried to figure out the Vanguard tax situation. Here is what I think is going on. | #**DISCLAIMER: I'm not a lawyer (nor am I an accountant, a financial professional, or indeed any kind of professional at all). This is not legal advice or investment advice. This is just my layperson's attempt to figure out a situation that matters to me. If you are dumb enough to listen to anything I say, you do it at... | 1,449,290,705 | 2015-12-05 04:45:05 | uh-okay-I-guess | 93 | 11 | 0.9 | null | /r/financialindependence/comments/3vi9cl/i_tried_to_figure_out_the_vanguard_tax_situation/ | https://www.reddit.com/r/financialindependence/comments/3vi9cl/i_tried_to_figure_out_the_vanguard_tax_situation/ | financialindependence | 3m |
3qm4sd | 45 years old, 3 kids under 14, recent $$ windfall, can i retire? | Hello - been lurking here for atleast a year now ... learning quite a bit but can always use some additional insight from those of us who have been down the untraveled road and exited unscathed on the other side :)
Have been involved in network engineering/consulting my entire career and am coming up on 23 years of w*... | 1,446,066,605 | 2015-10-28 21:10:05 | Strong887 | 13 | 21 | 0.63 | null | /r/financialindependence/comments/3qm4sd/45_years_old_3_kids_under_14_recent_windfall_can/ | https://www.reddit.com/r/financialindependence/comments/3qm4sd/45_years_old_3_kids_under_14_recent_windfall_can/ | financialindependence | 3m |
3q7x4k | Single Stocks and FI | I understand using low cost ETFs and a long time horizon to grow your $ and eventually be FI, but should we totally discount the potential of single stocks?
Let's say you are fortunate enough to be doing the typical max for 401k/IRA and also putting leftover $ into a taxable account with Vanguard funds. Is it a terrib... | 1,445,821,260 | 2015-10-26 01:01:00 | wegotitfocheap | 14 | 27 | 0.78 | null | /r/financialindependence/comments/3q7x4k/single_stocks_and_fi/ | https://www.reddit.com/r/financialindependence/comments/3q7x4k/single_stocks_and_fi/ | financialindependence | 3m |
3lxubz | Early goals for Net Worth? How did they go? | Spurred by a post this morning of a 35yo hitting $1M, how many of you set early goals and either beat/met/failed them? Any huge unforeseen circumstances that either significantly helped or hurt your goal(s)?
Very early in my life but my early goals are $1M at 35, $2M at 40, $3M at 45 and then RE. Would love to hear yo... | 1,442,932,193 | 2015-09-22 14:29:53 | MarioLutherKingJr | 57 | 68 | 0.89 | null | /r/financialindependence/comments/3lxubz/early_goals_for_net_worth_how_did_they_go/ | https://www.reddit.com/r/financialindependence/comments/3lxubz/early_goals_for_net_worth_how_did_they_go/ | financialindependence | 3m |
3gr22i | 33 years old, and in the Bay area. I can feel my FI slipping away... | 2 years ago I had 700k in cash and investments, income ~200k(my wife doesn't work, so it's just me), with savings of 40-50k per year.
My wife and I had a son, a year later, and started having the talk about where we wanted to live. Rents were getting high, and we went from 2800 -> 3500 for 2/2. We decided we really... | 1,439,403,408 | 2015-08-12 18:16:48 | houseorbust | 19 | 151 | 0.64 | null | /r/financialindependence/comments/3gr22i/33_years_old_and_in_the_bay_area_i_can_feel_my_fi/ | https://www.reddit.com/r/financialindependence/comments/3gr22i/33_years_old_and_in_the_bay_area_i_can_feel_my_fi/ | financialindependence | 3m |
1lnmqmj | Hardide PLC Writeup - LMK Your Thoughts! | **(For better formatting:** [**Hardide PLC 24.06.2025.pdf**](https://img1.wsimg.com/blobby/go/2ec158c1-dd22-49fe-9f7c-70d930f4fbab/downloads/69c1bc2f-c57e-4db2-b4ac-b0d98a9e46ac/Hardide%20PLC%2024.06.2025.pdf?ver=1751221980603)**)**
Hardide PLC (AIM:HDD) is a £6.5m nanocap where revenue stagnation and persistent... | 1,751,223,990 | 2025-06-29 19:06:30 | witblessed | 1 | 0 | 1 | Stock Analysis | /r/ValueInvesting/comments/1lnmqmj/hardide_plc_writeup_lmk_your_thoughts/ | https://www.reddit.com/r/ValueInvesting/comments/1lnmqmj/hardide_plc_writeup_lmk_your_thoughts/ | ValueInvesting | 3m |
1lnmodr | Nanoco Group PLC Writeup | (For better formatting: [Nanoco Group plc 27.06.2025.pdf](https://img1.wsimg.com/blobby/go/2ec158c1-dd22-49fe-9f7c-70d930f4fbab/downloads/07621c6e-a56a-4436-9bc2-105a83c8b609/Nanoco%20Group%20plc%2027.06.2025.pdf?ver=1751221980603))
**Nanoco Group PLC**
**Executive Summary**
Nanoco PLC, valued at £18.3m, on... | 1,751,223,836 | 2025-06-29 19:03:56 | witblessed | 2 | 1 | 0.75 | Stock Analysis | /r/ValueInvesting/comments/1lnmodr/nanoco_group_plc_writeup/ | https://www.reddit.com/r/ValueInvesting/comments/1lnmodr/nanoco_group_plc_writeup/ | ValueInvesting | 3m |
1lmblx6 | Entegris under looked AI play? $ENTG | Thought I’d contribute what I hope is a new company for people to research — rather than just the usual suspects. I tend to ramble, sorry, so this might be a long post. But I think context is king, so I’ll explain how I think about it.
**First:**
Entegris is a leading supplier of advanced materials and process soluti... | 1,751,076,697 | 2025-06-28 02:11:37 | Less_Swim_9815 | 3 | 10 | 0.8 | Stock Analysis | /r/ValueInvesting/comments/1lmblx6/entegris_under_looked_ai_play_entg/ | https://www.reddit.com/r/ValueInvesting/comments/1lmblx6/entegris_under_looked_ai_play_entg/ | ValueInvesting | 3m |
1lll215 | Roadzen Earnings Show Dramatic Turnaround: 99% Net Loss Reduction and $300M Pipeline Signal Major Growth Ahead | **June 26, 2025**, **Roadzen (NASDAQ:RDZN)** a global AI technology company in insurance and mobility, reported its FY2025 results with mixed performance. The company achieved **Q4 revenue growth of 13.3% to $11.3M**, despite full-year revenue declining 5.2% to $44.3M due to U.K. business suspension. Q4 saw a dramatic... | 1,750,999,034 | 2025-06-27 04:37:14 | GodMyShield777 | 2 | 8 | 0.6 | Stock Analysis | /r/ValueInvesting/comments/1lll215/roadzen_earnings_show_dramatic_turnaround_99_net/ | https://www.stocktitan.net/news/RDZN/roadzen-reports-full-fiscal-year-2025-financial-results-fiscal-q4-ei166pxeurpo.html | ValueInvesting | 3m |
1l2acq4 | The Value Road's May Stock Report | Every month in The Value Road, I publish deep-dive overviews of obscure micro- and nano-cap stocks—names you won’t hear on CNBC or from mainstream analysts.
These are illiquid, misunderstood, and sometimes downright weird.
But they can pay off big.
This month’s 7 picks:
1. McRae Industries $MCRAA
Bootmaker with w... | 1,748,952,971 | 2025-06-03 12:16:11 | Leland_Roach | 5 | 2 | 0.78 | Stock Analysis | /r/ValueInvesting/comments/1l2acq4/the_value_roads_may_stock_report/ | https://www.reddit.com/r/ValueInvesting/comments/1l2acq4/the_value_roads_may_stock_report/ | ValueInvesting | 3m |
1kvcxp5 | German Toy manufacturer Tonies Write Up solid investment case | **Introduction**
So the business is generally selling child toys and their main products are Tonie figurines and Tonieboxes. You can look it up [here](https://www.google.com/search?q=tonies&sca_esv=160c731af92cf5eb&rlz=1C1GCEA_enDE1160DE1161&udm=3&biw=1280&bih=665&sxsrf=AHTn8zoaGpfb8k-l5u4fRuBrfQ-9gJzH-Q%3A17479142548... | 1,748,206,782 | 2025-05-25 20:59:42 | Stockboymoon | 24 | 5 | 0.87 | Stock Analysis | /r/ValueInvesting/comments/1kvcxp5/german_toy_manufacturer_tonies_write_up_solid/ | https://www.reddit.com/r/ValueInvesting/comments/1kvcxp5/german_toy_manufacturer_tonies_write_up_solid/ | ValueInvesting | 3m |
1kuq912 | INBP - small company, but unbelievably cheap | Been buying a bit recently after they reported strong calendar Q1 results.
Company is a vitamin/supplement manufacturer with major customers of Life Extension and Herbalife.
Trading for $0.33. CY Q1 eps was $0.02/share. Trailing annual eps around $0.04.
Market cap around $10m, with $3m in cash and no debt. So EV of ... | 1,748,133,995 | 2025-05-25 00:46:35 | Holla_Ackbar | 15 | 12 | 0.93 | Stock Analysis | /r/ValueInvesting/comments/1kuq912/inbp_small_company_but_unbelievably_cheap/ | https://www.reddit.com/r/ValueInvesting/comments/1kuq912/inbp_small_company_but_unbelievably_cheap/ | ValueInvesting | 3m |
1kry7i6 | More insider trades that stood out | I saw a post yesterday (?) from someone sharing a few insider trades that stood out to them and got some traction on here.
I didn't realize others here were interested in insider trades, but I actually have spent thousands of hours building what I believe to be the most high-signal insider trading database out the... | 1,747,835,110 | 2025-05-21 13:45:10 | wallstreetdata | 57 | 5 | 0.92 | Investing Tools | /r/ValueInvesting/comments/1kry7i6/more_insider_trades_that_stood_out/ | https://www.reddit.com/r/ValueInvesting/comments/1kry7i6/more_insider_trades_that_stood_out/ | ValueInvesting | 3m |
1kotrzs | CHCI: An under-the-radar real estate manager with impressive metrics | Just did a deep dive on Comstock Holdings (CHCI), a company with a pretty interesting business structure. Back in 2018 they broke apart their asset holding and asset management businesses, creating this asset-light model that's been delivering solid growth and margins.
The numbers really stand out for a value play:
*... | 1,747,490,679 | 2025-05-17 14:04:39 | TheiaFintech | 2 | 5 | 0.75 | Stock Analysis | /r/ValueInvesting/comments/1kotrzs/chci_an_undertheradar_real_estate_manager_with/ | https://www.reddit.com/r/ValueInvesting/comments/1kotrzs/chci_an_undertheradar_real_estate_manager_with/ | ValueInvesting | 3m |
1km2euh | GCT- $17 -> $44 intrinsic value and The most UNDERVALUED STOCK in the market | I have 30% of my portfolio in this stock and I can't believe how good the fundamentals are. Intrinsic value using a DCF analysis is $44! Here is my analysis, with some assistance from AI-
Currently trading at $17 per share.
# 5. Bull vs. Bear Scenarios
|**Scenario**|**Growth Rate**|**Terminal Growth**|**WACC**|**Fa... | 1,747,183,849 | 2025-05-14 00:50:49 | Special_Neck6405 | 0 | 21 | 0.38 | Stock Analysis | /r/ValueInvesting/comments/1km2euh/gct_17_44_intrinsic_value_and_the_most/ | https://www.reddit.com/r/ValueInvesting/comments/1km2euh/gct_17_44_intrinsic_value_and_the_most/ | ValueInvesting | 3m |
1klu6fb | Microvast (MVST) the pennystock that definitely shouldn't be one | I've already written some DD about Microvast back in [December ](https://www.reddit.com/r/pennystocks/comments/1hhsrc2/mvst_valuation_doesnt_make_sense/)and in [January](https://www.reddit.com/r/pennystocks/comments/1hvtdaq/microvast_mvst_a_severely_undervalued_opportunity/), when Microvast was still trading around $1.... | 1,747,162,573 | 2025-05-13 18:56:13 | Crazerz | 67 | 36 | 0.85 | Stock Analysis | /r/ValueInvesting/comments/1klu6fb/microvast_mvst_the_pennystock_that_definitely/ | https://www.reddit.com/r/ValueInvesting/comments/1klu6fb/microvast_mvst_the_pennystock_that_definitely/ | ValueInvesting | 3m |
1kiaucb | 14 Investment write-ups to look at | All taken from [this substack](https://gilescapital.substack.com/p/giles-capital-weekly-week-18), but thought it was a good list for research and a few good substacks in the list to follow!
# Americas
* **Value Don't Lie** on [**Markel**](https://www.valuedontlie.com/p/quick-value-267-markel-mkl?utm_source=%2Finbox&u... | 1,746,768,111 | 2025-05-09 05:21:51 | Away_Definition5829 | 47 | 5 | 0.97 | Stock Analysis | /r/ValueInvesting/comments/1kiaucb/14_investment_writeups_to_look_at/ | https://www.reddit.com/r/ValueInvesting/comments/1kiaucb/14_investment_writeups_to_look_at/ | ValueInvesting | 3m |
1khbaji | Jumia (JMIA) is Finally Entering Value Territory | Hey everyone, I've been working on a full write up/DD on Jumia. I've been following this one for a long time, but haven't been sold on the valuation until recently. I think it's worth a look before earnings tomorrow and wanted to share some notable stats.
Jumia has spent the better part of the last five years earning ... | 1,746,658,986 | 2025-05-07 23:03:06 | TyNads | 11 | 21 | 0.92 | Stock Analysis | /r/ValueInvesting/comments/1khbaji/jumia_jmia_is_finally_entering_value_territory/ | https://www.reddit.com/r/ValueInvesting/comments/1khbaji/jumia_jmia_is_finally_entering_value_territory/ | ValueInvesting | 3m |
1kabd8j | Supercom (SPCB) Announced Another Quarter of Record Earning, Stock crashed 25% | Supercom reported another record quarter this morning yet stock price got crushed again. It seems happened every quarterly earning cycle. 3.4 m traded today vs 100k daily average. Is it signal that there’s institutional buys?
Long term debt is still high at 30m but down by over 3m. Investors may want to see more. Non-... | 1,745,887,509 | 2025-04-29 00:45:09 | Catchuplike | 9 | 4 | 0.72 | Discussion | /r/ValueInvesting/comments/1kabd8j/supercom_spcb_announced_another_quarter_of_record/ | https://www.reddit.com/r/ValueInvesting/comments/1kabd8j/supercom_spcb_announced_another_quarter_of_record/ | ValueInvesting | 3m |
1jp2clz | Intrinsic Valuation Using the Latest Model of Claude.ai | Since I live in Morocco, and we have a stock market with limited stocks (\~70), so I decided to run a valuation test on one stock using [stockanalysis.com](http://stockanalysis.com) data, that was the output, and I want your opinion on this result
# Executive Summary
Based on a comprehensive valuation analysis of Tra... | 1,743,530,748 | 2025-04-01 18:05:48 | ContributionSevere79 | 9 | 4 | 0.85 | Stock Analysis | /r/ValueInvesting/comments/1jp2clz/intrinsic_valuation_using_the_latest_model_of/ | https://www.reddit.com/r/ValueInvesting/comments/1jp2clz/intrinsic_valuation_using_the_latest_model_of/ | ValueInvesting | 3m |
1jp01ui | ECO Animal Health Group Writeup | [ECO Animal Health Group plc](https://contrarianstocks.com/stock-picks/f/eco-animal-health-group-plc)
**Executive Summary**
ECO Animal Health (AIM: EAH) trades below (technical) liquidation value, with a debt-free balance sheet funding an R&D pipeline that should begin to materialise in 2026. Management’s shift towar... | 1,743,525,244 | 2025-04-01 16:34:04 | witblessed | 2 | 1 | 1 | Stock Analysis | /r/ValueInvesting/comments/1jp01ui/eco_animal_health_group_writeup/ | https://www.reddit.com/r/ValueInvesting/comments/1jp01ui/eco_animal_health_group_writeup/ | ValueInvesting | 3m |
1jowf5c | Overlooked Net-Net at 0.38x Book and 3.6x Earnings | Hey everyone,
I was recently digging through some stocks and came across one that trades at a valuation that really doesn’t make much sense.
Key Metrics:
* 0.38 book value
* 3.6x earnings
* 20+ years dividend record
* No long-term Debt
* 50% discount to NCAV
The company I‘m talking about is **Deswell Industries (NA... | 1,743,516,349 | 2025-04-01 14:05:49 | DeepValueInsights | 31 | 19 | 0.97 | Stock Analysis | /r/ValueInvesting/comments/1jowf5c/overlooked_netnet_at_038x_book_and_36x_earnings/ | https://www.reddit.com/r/ValueInvesting/comments/1jowf5c/overlooked_netnet_at_038x_book_and_36x_earnings/ | ValueInvesting | 3m |
1jlsgei | AN HOUR WITH MR. GRAHAM by Hartman L. Butler, Jr., C.F.A. | This is from the free kindle Book, "Benjamin Graham The Father of Financial Analysis" by Irving Kahn.
Irving Kahn was one of Benjamin Graham's reaching assistant. He worked for various investment banks and later formed his own fund, the Kahn Brothers, and he and his siblings invested right up to a young age of 109.
... | 1,743,159,702 | 2025-03-28 11:01:42 | raytoei | 2 | 2 | 0.67 | Basics / Getting Started | /r/ValueInvesting/comments/1jlsgei/an_hour_with_mr_graham_by_hartman_l_butler_jr_cfa/ | https://www.reddit.com/r/ValueInvesting/comments/1jlsgei/an_hour_with_mr_graham_by_hartman_l_butler_jr_cfa/ | ValueInvesting | 3m |
1jho3gm | M&A Research Institute Holdings ($9552.T) — Potential Value Japanese Investment | Hey everyone,
This is my first time doing a brief thesis like this.
**M&A Research Institute Holdings ($9552.T)** \- is a profitable, fast-growing M&A platform addressing a long-term demographic problem in Japan. It's capital-light, margin-rich, and still early in market penetration.
**Context/Background**
The ... | 1,742,693,335 | 2025-03-23 01:28:55 | No_Equipment_190 | 3 | 7 | 0.8 | Discussion | /r/ValueInvesting/comments/1jho3gm/ma_research_institute_holdings_9552t_potential/ | https://www.reddit.com/r/ValueInvesting/comments/1jho3gm/ma_research_institute_holdings_9552t_potential/ | ValueInvesting | 3m |
1jg6jri | My phone notes on investment ideas from the past year and a half. | Does anyone else keep ideas notes? If you do please share, think it would be fun to read how you guys keep track of ideas or your observations.
I keep a notes file on my phone for jotting down ideas relating to investing, companies and trends.
My unedited notes below from roughly the past year and a half, goes from ... | 1,742,524,054 | 2025-03-21 02:27:34 | Txperi | 14 | 16 | 0.94 | Discussion | /r/ValueInvesting/comments/1jg6jri/my_phone_notes_on_investment_ideas_from_the_past/ | https://www.reddit.com/r/ValueInvesting/comments/1jg6jri/my_phone_notes_on_investment_ideas_from_the_past/ | ValueInvesting | 3m |
1jf205r | Solventum SOLV (corrected) | *This is a tiny post about a 3M spin-off, Solventum. They sell medical devices, purification & filtration, and health information management, with disposibles for advanced wound care, surgical solutions.*
The tables can be found here:
[https://www.reddit.com/user/raytoei/comments/1jf1m0u/solventum\_solv\_notes\_to\_m... | 1,742,404,038 | 2025-03-19 17:07:18 | raytoei | 2 | 0 | 0.75 | Stock Analysis | /r/ValueInvesting/comments/1jf205r/solventum_solv_corrected/ | https://www.reddit.com/r/ValueInvesting/comments/1jf205r/solventum_solv_corrected/ | ValueInvesting | 3m |
1jd37rm | My first attempt to pick some value stocks for long term investment | I am still a newbie and sharing my thoughts, please correct me if I am wrong.
The top Mag 7 have already reached their peak, leaving limited upside potential for new investors unless significant innovation or market shifts occur.
So I feel below stocks have a good potential to provide high returns in long run.
* **S... | 1,742,180,990 | 2025-03-17 03:09:50 | chipmux | 34 | 44 | 0.77 | Stock Analysis | /r/ValueInvesting/comments/1jd37rm/my_first_attempt_to_pick_some_value_stocks_for/ | https://www.reddit.com/r/ValueInvesting/comments/1jd37rm/my_first_attempt_to_pick_some_value_stocks_for/ | ValueInvesting | 3m |
1j37ouc | My intrinsic valuation on KULR | Hey there! I was the one who came up with [this intrinsic valuation on OPTT](https://www.reddit.com/r/ValueInvesting/comments/1ioe6ub/my_intrinsic_valuation_for_optt/) and I am back with another valuation on KULR. I am looking to refine and improve my intrinsic valuation analysis. Any form of suggestions, criticism or ... | 1,741,083,507 | 2025-03-04 10:18:27 | MykeAnjello | 23 | 16 | 0.9 | Stock Analysis | /r/ValueInvesting/comments/1j37ouc/my_intrinsic_valuation_on_kulr/ | https://www.reddit.com/r/ValueInvesting/comments/1j37ouc/my_intrinsic_valuation_on_kulr/ | ValueInvesting | 3m |
1j31tlo | Verona Pharma VRNA- Q4 Update & my thoughts | The company just reported Q4 earnings, and I want to share my notes on what I heard on the earnings call, as well as the Cowen conference call, and discuss my reasoning as I continue to hold my investment here.
**Noteworthy information from recent investor calls:**
\-Mark Hahn states he believes they could reach clo... | 1,741,059,845 | 2025-03-04 03:44:05 | loud_keyb | 8 | 10 | 1 | Stock Analysis | /r/ValueInvesting/comments/1j31tlo/verona_pharma_vrna_q4_update_my_thoughts/ | https://www.reddit.com/r/ValueInvesting/comments/1j31tlo/verona_pharma_vrna_q4_update_my_thoughts/ | ValueInvesting | 3m |
1iyfrs8 | PRCH a follow up from my post a couple of months ago | Hello again, this is my second DD on porch group (PRCH) here is my original post where if you had bought when I said you would've realized a pretty good amount of gains. Here we're going to examine PRCH after their recent earnings.
previous post not going to highlight again why I am in this stock
[https://www.reddi... | 1,740,545,978 | 2025-02-26 04:59:38 | Immediate_Ad739 | 3 | 6 | 1 | Stock Analysis | /r/ValueInvesting/comments/1iyfrs8/prch_a_follow_up_from_my_post_a_couple_of_months/ | https://www.reddit.com/r/ValueInvesting/comments/1iyfrs8/prch_a_follow_up_from_my_post_a_couple_of_months/ | ValueInvesting | 3m |
1iw2f77 | Bargain of the month? CELH | Celsius (CELH) Acquires Alani Nu – Undervalued?
Celsius is acquiring Alani Nu for $1.8 billion, with $500M paid in stock. Here’s what the numbers look like after the acquisition:
• Revenue: $2.385 billion (Celsius + Alani Nu after growth)
• Profit: $447.3M
• EPS: ~ $1.88 (after accounting for new shares)
• New P/E... | 1,740,286,719 | 2025-02-23 04:58:39 | AdventurousDrama312 | 29 | 38 | 0.81 | Stock Analysis | /r/ValueInvesting/comments/1iw2f77/bargain_of_the_month_celh/ | https://www.reddit.com/r/ValueInvesting/comments/1iw2f77/bargain_of_the_month_celh/ | ValueInvesting | 3m |
1ilsqie | Evolution AB - The Gambling Company With Unreal Potential | So Evolution AB popularity increased recently so it seems like it is worth the look, Despite the regulatory concerns this industry has as we all know, the fundamentals seem attractive! Considering the risks in such I am not sure if this is a stock to set and forget ala Buffet.
Here is also a full article talking deep... | 1,739,144,662 | 2025-02-09 23:44:22 | din0_os | 22 | 49 | 0.68 | Stock Analysis | /r/ValueInvesting/comments/1ilsqie/evolution_ab_the_gambling_company_with_unreal/ | https://www.reddit.com/r/ValueInvesting/comments/1ilsqie/evolution_ab_the_gambling_company_with_unreal/ | ValueInvesting | 3m |
1iho4t5 | Colefax PLC | [Colefax Group PLC](https://contrarianstocks.com/stock-picks/f/colefax-group-plc)
**Executive Summary**
Colefax Group (AIM:CFX), valued at £50m and 8.5x earnings, represents an under-the-radar, asset-light compounder with a disciplined management team, a dominant niche in high-end interior design and a history of dis... | 1,738,692,543 | 2025-02-04 18:09:03 | witblessed | 8 | 20 | 0.9 | Stock Analysis | /r/ValueInvesting/comments/1iho4t5/colefax_plc/ | https://www.reddit.com/r/ValueInvesting/comments/1iho4t5/colefax_plc/ | ValueInvesting | 3m |
1ibr81c | Solventum $SOLV | Dear all, i received 100 shares of solventum from 3m spin-off. I am sitting on roughly 10% gain. I dont really understand the company, should i just hold or sell it? | 1,738,031,134 | 2025-01-28 02:25:34 | Free-Initiative7508 | 2 | 1 | 1 | Discussion | /r/ValueInvesting/comments/1ibr81c/solventum_solv/ | https://www.reddit.com/r/ValueInvesting/comments/1ibr81c/solventum_solv/ | ValueInvesting | 3m |
1ibgdmg | FN (Fabrinet) - Deal of the day (26% on sale) | I have this stock and realized that it had a big drop today about 25% -- although financials-wise I don't see any change warranting this drop -- maybe people extrapolating and speculating. I'm gonna look at it from past data. Here is my opinion;
# Growth Table
| 🔽Period |BVPS|EPS|REV|FCF|
|:-|:-|:-|:-|:-|
|10-Yr|14... | 1,738,002,957 | 2025-01-27 18:35:57 | mr-anderson-one | 6 | 7 | 0.81 | Stock Analysis | /r/ValueInvesting/comments/1ibgdmg/fn_fabrinet_deal_of_the_day_26_on_sale/ | https://www.reddit.com/r/ValueInvesting/comments/1ibgdmg/fn_fabrinet_deal_of_the_day_26_on_sale/ | ValueInvesting | 3m |
1i6ijog | XPEL: Analyzing Growth Potential in the Automotive Market | Here’s my condensed analysis of XPEL: FYI: I focus on uncovering companies with strong growth potential and sharing my insights.
**Note:** All information is from my website if you want more information such additional entries for investment thesis, risk factors etc such as charts, data, and our price target projectio... | 1,737,466,034 | 2025-01-21 13:27:14 | Reasonable-Green-464 | 1 | 0 | 0.67 | Stock Analysis | /r/ValueInvesting/comments/1i6ijog/xpel_analyzing_growth_potential_in_the_automotive/ | https://www.reddit.com/r/ValueInvesting/comments/1i6ijog/xpel_analyzing_growth_potential_in_the_automotive/ | ValueInvesting | 3m |
1i61o7h | LNTH diagnosing company stock misdiagnosed? Might have good upside potential | This stock comes up on my screener as having potentially good upside so I looked into it.
My conclusion is that the company financials did not detoriate really however the price been distressed lately.
In terms of free cash flow vs long term debt values,
company has growing FCF and dropping debt, seems health... | 1,737,408,607 | 2025-01-20 21:30:07 | mr-anderson-one | 2 | 4 | 0.67 | Stock Analysis | /r/ValueInvesting/comments/1i61o7h/lnth_diagnosing_company_stock_misdiagnosed_might/ | https://www.reddit.com/r/ValueInvesting/comments/1i61o7h/lnth_diagnosing_company_stock_misdiagnosed_might/ | ValueInvesting | 3m |
1i3v56g | 3M recovering strongly - MMM | 3M has staged a strong recovery. Up 85% since the lows last year. [https://userupload.gurufocus.com/1880411140467617792.png](https://userupload.gurufocus.com/1880411140467617792.png)
Operating earning continue to recover up strongly is all 4 last quarters. Looks like its going to $200.
[https://i.imgur.com/fkjakQr... | 1,737,160,056 | 2025-01-18 00:27:36 | pravchaw | 44 | 24 | 0.97 | Discussion | /r/ValueInvesting/comments/1i3v56g/3m_recovering_strongly_mmm/ | https://www.reddit.com/r/ValueInvesting/comments/1i3v56g/3m_recovering_strongly_mmm/ | ValueInvesting | 3m |
1hp5pey | XPEL - well positioned in the PPF segment | **The Business:**
XPEL sells, distributes, and installs protective paint film (PPF) along with other protective coatings and care products aftermarket in the automotive, marine, and architectural window markets. Founded in 1997, listed on the NASDAQ since 2019, XPEL began as a software company designing vehicle patte... | 1,735,506,042 | 2024-12-29 21:00:42 | Yo_Biff | 4 | 9 | 0.75 | Stock Analysis | /r/ValueInvesting/comments/1hp5pey/xpel_well_positioned_in_the_ppf_segment/ | https://www.reddit.com/r/ValueInvesting/comments/1hp5pey/xpel_well_positioned_in_the_ppf_segment/ | ValueInvesting | 3m |
1hkp3lf | An Opportunity To Buy Multifamily At A 9% Cap Rate. | [https://cristianleon1200.substack.com/p/dream-residential-reit-drref?r=2z5oqi](https://cristianleon1200.substack.com/p/dream-residential-reit-drref?r=2z5oqi)
How much would you pay for the following multifamily portfolio?
* 3,300 units.
* Location: Ohio, Oklahoma, Texas.
* Class B-C.
* 892 sqft average unit.
* $24.5... | 1,734,964,815 | 2024-12-23 14:40:15 | ImaginaryMouse2002 | 12 | 17 | 0.84 | Stock Analysis | /r/ValueInvesting/comments/1hkp3lf/an_opportunity_to_buy_multifamily_at_a_9_cap_rate/ | https://www.reddit.com/r/ValueInvesting/comments/1hkp3lf/an_opportunity_to_buy_multifamily_at_a_9_cap_rate/ | ValueInvesting | 3m |
1h2hkn9 | Question regarding the process for completing a Roth conversion | Question regarding the process for completing a Roth conversion.
I am 65, enjoy the work that I do, and plan to work until 67. My retirement portfolio at Fidelity has grown to over $3M (97% tax deferred traditional IRAs and 3% in Roth IRAs). My current salary contributions go directly to a Roth 401(k) with Principal... | 1,732,870,103 | 2024-11-29 08:48:23 | Background-Gap-1143 | 2 | 4 | 1 | Discussion | /r/ValueInvesting/comments/1h2hkn9/question_regarding_the_process_for_completing_a/ | https://www.reddit.com/r/ValueInvesting/comments/1h2hkn9/question_regarding_the_process_for_completing_a/ | ValueInvesting | 3m |
1h138xt | TOYO Co Ltd. is a undervalued future growth play | TOYO Co., Ltd. engages in the upstream production of wafer and silicon, midstream production of solar cell, downstream production of photovoltaic (PV) modules, and other stages of the solar power supply chain. Additionally, the company also manufactures solar PV modules. The company was founded in Japan in 2022.
TOYO ... | 1,732,710,823 | 2024-11-27 12:33:43 | Swim-hole | 6 | 14 | 0.76 | Stock Analysis | /r/ValueInvesting/comments/1h138xt/toyo_co_ltd_is_a_undervalued_future_growth_play/ | https://www.reddit.com/r/ValueInvesting/comments/1h138xt/toyo_co_ltd_is_a_undervalued_future_growth_play/ | ValueInvesting | 3m |
1g9p667 | NBIS (Former international arm of Yandex): Analysis of growth potential and risks | I've been analyzing NBIS (formerly YNDX) and wanted to share my research. Having invested in YNDX for several years with considerable profits (before Feb 2022 obviously), I have firsthand experience with this team's capabilities. I personally know these people - they are among the brightest minds who built Yandex from ... | 1,729,621,453 | 2024-10-22 18:24:13 | AcanthisittaBest3033 | 31 | 28 | 0.93 | Stock Analysis | /r/ValueInvesting/comments/1g9p667/nbis_former_international_arm_of_yandex_analysis/ | https://www.reddit.com/r/ValueInvesting/comments/1g9p667/nbis_former_international_arm_of_yandex_analysis/ | ValueInvesting | 3m |
1fx2crq | Tech value investor | I'm bullish on tech stocks which have (1) low forward P/E (profitable), (2) low P/S, (3) healthy balance sheet, (4) positive YoY revenue growth & (5) down 60+% from all time highs.
OTOH, companies that meet these criteria will likely have YoY revenue growth will be <10% & there'd generally a problem with the forward-l... | 1,728,168,191 | 2024-10-05 22:43:11 | BusinessBroccoli402 | 45 | 64 | 0.86 | Discussion | /r/ValueInvesting/comments/1fx2crq/tech_value_investor/ | https://www.reddit.com/r/ValueInvesting/comments/1fx2crq/tech_value_investor/ | ValueInvesting | 3m |
1fpowkz | PNBK at 0.16 PB: Overblown fears on CECL and nonperforming loans? | **Hey everyone, wanted to share my thesis on PNBK from last month. Stock is still sitting at my buy price, so there's still plenty of meat on the bones. To summarize, this is a very unique bank equity stub.**
Thesis Date: Aug. 29, 2024
Patriot National Bancorp is the holding company of a small Connecticut bank with 1... | 1,727,328,253 | 2024-09-26 05:24:13 | thumbtackcapital | 2 | 1 | 1 | Stock Analysis | /r/ValueInvesting/comments/1fpowkz/pnbk_at_016_pb_overblown_fears_on_cecl_and/ | https://www.reddit.com/r/ValueInvesting/comments/1fpowkz/pnbk_at_016_pb_overblown_fears_on_cecl_and/ | ValueInvesting | 3m |
1fl6v67 | Fastned BV (FAST.AS): Not the European 'Plug Power', but a super decent value investment | **Company overview**
Fastned is a European EV fast-charging provider with a very clear focus: only offer ultra fast charging at very high traffic locations. They do not compromise in charging speed, very high traffic location or quality of charging (they always have locations covered from the rain, adaptability is gu... | 1,726,819,498 | 2024-09-20 08:04:58 | MereMortal123 | 10 | 14 | 1 | Stock Analysis | /r/ValueInvesting/comments/1fl6v67/fastned_bv_fastas_not_the_european_plug_power_but/ | https://www.reddit.com/r/ValueInvesting/comments/1fl6v67/fastned_bv_fastas_not_the_european_plug_power_but/ | ValueInvesting | 3m |
1ff1l06 | Analyzing stocks for value investing through options | Hi everyone. I am building a market screener (a map of all the stocks in US stock exchanges), categorised by sector and by industry for good competitive comparison.
I will be analyzing stocks and where I see long-term opportunity I will invest through options only. My strategy in options will be to
1. Obtain shares o... | 1,726,144,871 | 2024-09-12 12:41:11 | Darkness297 | 8 | 15 | 0.9 | Basics / Getting Started | /r/ValueInvesting/comments/1ff1l06/analyzing_stocks_for_value_investing_through/ | https://www.reddit.com/r/ValueInvesting/comments/1ff1l06/analyzing_stocks_for_value_investing_through/ | ValueInvesting | 3m |
1fc3j6b | Contrarian play part II - MLPs. | As a follow-up to my minerals contrarian play discussed [here](https://www.reddit.com/r/ValueInvesting/comments/1f7ddjh/contrarian_investment_iron_ore_mining_fmgrio_and/), I am getting serious about MLPs play. First things first- MLPs are not for everyone. They generate K1s and if back 2015, when the energy sector was ... | 1,725,817,320 | 2024-09-08 17:42:00 | gauravphoenix | 6 | 9 | 1 | Discussion | /r/ValueInvesting/comments/1fc3j6b/contrarian_play_part_ii_mlps/ | https://www.reddit.com/r/ValueInvesting/comments/1fc3j6b/contrarian_play_part_ii_mlps/ | ValueInvesting | 3m |
1f49jsy | 10 value stocks pitched in Q2 fund letters | Quick context: I collect and summarize more stock pitches than anyone on the planet (not fact checked). I track over 1200 investors and collect pitches from blog posts, fund letters, Twitter/X posts, VIC, etc (\~7500 pitches collected so far and adding 30+ per day).
Here are 10 of the most interesting value stock pitc... | 1,724,955,662 | 2024-08-29 18:21:02 | Connorvo | 83 | 28 | 0.96 | Stock Analysis | /r/ValueInvesting/comments/1f49jsy/10_value_stocks_pitched_in_q2_fund_letters/ | https://www.reddit.com/r/ValueInvesting/comments/1f49jsy/10_value_stocks_pitched_in_q2_fund_letters/ | ValueInvesting | 3m |
1f1eaot | Tell me not to buy IMPP | Stumbled upon IMPP after using the Finviz stock screener for the first time to narrow down on P/E ratio, market cap, Debt / Equity, and P/B to start and went from there. Here's my synopsis of this company:
IMPP (Imperial Petroleum Inc.)
Market Cap - $115,372,000
Imperial Petroleum, Inc. operates as a ship-owning com... | 1,724,641,722 | 2024-08-26 03:08:42 | Skyesstocktalk | 9 | 25 | 0.91 | Stock Analysis | /r/ValueInvesting/comments/1f1eaot/tell_me_not_to_buy_impp/ | https://www.reddit.com/r/ValueInvesting/comments/1f1eaot/tell_me_not_to_buy_impp/ | ValueInvesting | 3m |
1e5ipth | Diageo (DEO) - tiny writeup | # Diageo
**Diageo** owns Johnny walker, Baileys, Guiness amonsgt other iconic alcoholic beverage brands.
**Forward PE is currently 13.25**
**Price to operating cashflow is 15.76**
**ROE is 42.27%**
CEO is Debra Crew, former President and CEO of Reynolds tobacco company which was acquired by British american tobacc... | 1,721,224,285 | 2024-07-17 13:51:25 | nyk42 | 18 | 21 | 1 | Stock Analysis | /r/ValueInvesting/comments/1e5ipth/diageo_deo_tiny_writeup/ | https://www.reddit.com/r/ValueInvesting/comments/1e5ipth/diageo_deo_tiny_writeup/ | ValueInvesting | 3m |
1dqmdy6 | What do you think about Corpay (CPAY) ? | Corpay's business is corporate payments, they have a platform for tracking corporate expenses. Their customers also get corporate cards that integrate with this platform.
I will incorporate some table to organize the numbers a bit better, and also a small attempt at a DCF, more like a reverse DCF starting with the cur... | 1,719,588,581 | 2024-06-28 15:29:41 | nyk42 | 10 | 21 | 0.92 | Stock Analysis | /r/ValueInvesting/comments/1dqmdy6/what_do_you_think_about_corpay_cpay/ | https://www.reddit.com/r/ValueInvesting/comments/1dqmdy6/what_do_you_think_about_corpay_cpay/ | ValueInvesting | 3m |
1dqgzrc | BEAZLEY PLC - British Insurer | seems to be undervalued,
pays dividend, has a share buy back program.
# Beazley plc results for period ended 31 December 2023
• Profit before tax increased to $1,254.4m (2022: $584.0m)
• Insurance written premiums increased to $5,601.4m (2022: $5,246.3m)
• Net insurance written premiums increased to $4,696.2m (... | 1,719,572,607 | 2024-06-28 11:03:27 | m1nice | 3 | 2 | 0.72 | Stock Analysis | /r/ValueInvesting/comments/1dqgzrc/beazley_plc_british_insurer/ | https://www.reddit.com/r/ValueInvesting/comments/1dqgzrc/beazley_plc_british_insurer/ | ValueInvesting | 3m |
1dklatj | Xeros Technology Group Plc (XSG.L): My Thesis | Hello,
I am relativly new to value investing (<three months) and thought I would share a recent position I entered.
This is my first attempt at any kind of write-up, so let me know which information might be important to add.
Xeros Technology Group Plc (XSG.L) @ £0.0147.
**The Company**
XSG makes what I am going t... | 1,718,914,460 | 2024-06-20 20:14:20 | ClimateCFD | 2 | 1 | 1 | Stock Analysis | /r/ValueInvesting/comments/1dklatj/xeros_technology_group_plc_xsgl_my_thesis/ | https://www.reddit.com/r/ValueInvesting/comments/1dklatj/xeros_technology_group_plc_xsgl_my_thesis/ | ValueInvesting | 3m |
1dkikbg | TBBK: A Boring Value Play | Article can be found here, it's better for reading and has images. I write about an article a week so if you want to see more you can subscribe on my substack or follow my reddit account
https://coffeestocks.substack.com/p/the-bancorp-inc
TLDR: a bank I think is undervalued
Text is below, but it's missing imag... | 1,718,907,565 | 2024-06-20 18:19:25 | coffeeestocks | 19 | 5 | 1 | Stock Analysis | /r/ValueInvesting/comments/1dkikbg/tbbk_a_boring_value_play/ | https://www.reddit.com/r/ValueInvesting/comments/1dkikbg/tbbk_a_boring_value_play/ | ValueInvesting | 3m |
1dcnv1l | $HYSR SunHydrogen. Holy Grail says CEO, backed by distinguished scientists from around the world. | [https://www.sunhydrogen.com/news-posts/shareholder-letter-june2024](https://www.sunhydrogen.com/news-posts/shareholder-letter-june2024)
**June 10, 2024**
Dear SunHydrogen shareholders and supporters,
Since filing our first patent in November of 2011, we have worked steadfastly to bring our nanoparticle-based solar ... | 1,718,032,262 | 2024-06-10 15:11:02 | Bossie81 | 7 | 13 | 0.73 | Stock Analysis | /r/ValueInvesting/comments/1dcnv1l/hysr_sunhydrogen_holy_grail_says_ceo_backed_by/ | https://www.reddit.com/r/ValueInvesting/comments/1dcnv1l/hysr_sunhydrogen_holy_grail_says_ceo_backed_by/ | ValueInvesting | 3m |
1d8406i | Medical Facilities Corp Thesis | Hello. I've been a member of this community and value investing philosophy for a few years now and would like to start sharing my ideas here as well.
Since I intend to do this more regularly, I'll first quickly introduce myself and then get to the pitch. I'm a finance student from Europe. I chose this field specifical... | 1,717,524,949 | 2024-06-04 18:15:49 | leMantas | 1 | 7 | 1 | Stock Analysis | /r/ValueInvesting/comments/1d8406i/medical_facilities_corp_thesis/ | https://www.reddit.com/r/ValueInvesting/comments/1d8406i/medical_facilities_corp_thesis/ | ValueInvesting | 3m |
1cv17qp | New to this | So far my investments have been
Dis - bought or at 92
Baba - bought it at 71
3M - bought it at 90ish
Tesla - ok, this one was a wild swing - bought it at 163 - I still don’t know whether to consider Tesla as auto company or AI. This one is a gamble.
Any more companies that I need to pay attention to?
How am I ... | 1,716,049,995 | 2024-05-18 16:33:15 | Danwithatan | 0 | 11 | 0.5 | Basics / Getting Started | /r/ValueInvesting/comments/1cv17qp/new_to_this/ | https://www.reddit.com/r/ValueInvesting/comments/1cv17qp/new_to_this/ | ValueInvesting | 3m |
1cifrye | Question on Prof. Damodaran Valuation on 3M | Hello everyone,
I've been investing in stocks for a while now but more on chart pattern and recently stumbled upon Prof. Damodaran's work, which has piqued my interest. In one of his lectures, he discussed his valuation of the 3M company, and I'm currently studying it out of curiosity. I'm eager to understand how he a... | 1,714,656,752 | 2024-05-02 13:32:32 | NeitherRaspberry5952 | 5 | 6 | 1 | Basics / Getting Started | /r/ValueInvesting/comments/1cifrye/question_on_prof_damodaran_valuation_on_3m/ | https://www.reddit.com/r/ValueInvesting/comments/1cifrye/question_on_prof_damodaran_valuation_on_3m/ | ValueInvesting | 3m |
1cauxgq | Total and complete novice. First time buying stocks of any kind. How did I do? | This is my first time ever buying stocks of any kind. Just a working guy with an itch for the market. These were my picks. Hopefully they're alright, as I won't be able to buy other stocks for now unless I sell.
A few shares of 3m (mmm)
A few shares of Pfizer (PFE)
5 shares of apple (aapl)
4 Starbucks (SBUX)
... | 1,713,843,897 | 2024-04-23 03:44:57 | BlackberryItchy5319 | 0 | 41 | 0.5 | Stock Analysis | /r/ValueInvesting/comments/1cauxgq/total_and_complete_novice_first_time_buying/ | https://www.reddit.com/r/ValueInvesting/comments/1cauxgq/total_and_complete_novice_first_time_buying/ | ValueInvesting | 3m |
1c2z85k | Barron's 15th April Magazine: 3M could Lose its Elite Dividend Status. (Article Link, Preview, and Quotes inside). | 3M Could Lose Its Elite Dividend Status After 64 Years. What It Means for the Stock.
By
Al Root
April 10, 2024, 11:44 am EDT
=============================
**Article Link:**
[https://www.barrons.com/articles/3m-lose-elite-dividend-status-23337728](https://www.barrons.com/articles/3m-lose-elite-dividend-status... | 1,713,005,839 | 2024-04-13 10:57:19 | raytoei | 9 | 1 | 0.85 | Stock Analysis | /r/ValueInvesting/comments/1c2z85k/barrons_15th_april_magazine_3m_could_lose_its/ | https://www.reddit.com/r/ValueInvesting/comments/1c2z85k/barrons_15th_april_magazine_3m_could_lose_its/ | ValueInvesting | 3m |
1bzayoy | Thesis: Everyman Cinema (UK Stock) | So, this is a stock I'm currently looking into. It's a UK stock on the FTSE AIM ALL Share. The company loses money at the moment, but the losses seem to be decreasing, to the point where I think the next results, which are due next month will either put it at a small loss, or slightly in the black.
I'm not sure about ... | 1,712,613,869 | 2024-04-08 22:04:29 | Teembeau | 0 | 4 | 0.5 | Stock Analysis | /r/ValueInvesting/comments/1bzayoy/thesis_everyman_cinema_uk_stock/ | https://www.reddit.com/r/ValueInvesting/comments/1bzayoy/thesis_everyman_cinema_uk_stock/ | ValueInvesting | 3m |
1bdxs2l | Peloton is undervalued relative to its subscription business | tldr -- Since pre-covid, Peloton has grown its subscription business -- which is similar to a streaming subscription -- from $77.1M in Q4 2019 to $424.5M in Q4 2023. While product sales (ie of its bikes and treadmills) have declined significantly since Q4 2021 during COVID, subscription revenue continues to grow and ex... | 1,710,352,086 | 2024-03-13 17:48:06 | Chemical_Use_7349 | 0 | 59 | 0.37 | Stock Analysis | /r/ValueInvesting/comments/1bdxs2l/peloton_is_undervalued_relative_to_its/ | https://www.reddit.com/r/ValueInvesting/comments/1bdxs2l/peloton_is_undervalued_relative_to_its/ | ValueInvesting | 3m |
1bbm9r3 | Thoughts on Portillo's (PTLO) | Portillo's currently has 86 locations in 10 states with most locations being in Illinois. (Arizona, California, Florida, Illinois, Indiana, Iowa, Michigan, Minnesota, Texas, Wisconsin)
The company plans to open 900 stores in the next 20 years ( up from 600 last projection), but this projection seems a little bit optim... | 1,710,107,657 | 2024-03-10 21:54:17 | Betweenthelies13 | 19 | 10 | 0.96 | Discussion | /r/ValueInvesting/comments/1bbm9r3/thoughts_on_portillos_ptlo/ | https://www.reddit.com/r/ValueInvesting/comments/1bbm9r3/thoughts_on_portillos_ptlo/ | ValueInvesting | 3m |
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