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7,824 Followers • 1,133 Following

Monique Nguyen

@financepillowtalkHealthcare | Real Estate
Monique Nguyen avatar
Pharmacist 💊 by day. 1/2 of YouTube channel 🎥 Finance Pillow Talk during all other waking hours #longterm #cryptocurious #taxefficiency #PublicPartner. The investments in my portfolio or mentioned in my posts are entirely my own, and not in any way recommendations or advice. Anyone wishing to buy or sell should conduct their own research to determine what investments are best suited for their particular financial situation and risk tolerance. All investing involves risk.
  1. Asset
    Price
  2. IYK logo
    iShares U.S. Consumer Goods ETF
    $68.51
    +0.88%
  3. IDRV logo
    iShares Self-Driving EV and Tech ETF
    $31.16
    −0.42%
  4. VTV logo
    Vanguard Value ETF
    $179.21
    +0.48%
  5. VPU logo
    Vanguard Utilities ETF
    $173.27
    +0.37%
  6. VTI logo
    Vanguard Total Stock Market ETF
    $303.12
    +0.14%
  7. VHT logo
    Vanguard Health Care ETF
    $269.62
    +1.19%
  8. NVDA logo
    NVIDIA
    $139.23
    −0.12%
  9. MSFT logo
    Microsoft
    $414.77
    +1.25%
  10. AAPL logo
    Apple
    $244.87
    +0.16%
  11. AMZN logo
    Amazon
    $226.63
    −0.01%
  1. Asset
    Price
  2. IBB logo
    iShares Nasdaq Biotechnology ETF
    $138.74
    +1.19%
  3. ZM logo
    Zoom Video
    $85.17
    −0.04%
  4. ZG logo
    Zillow
    $76.65
    −0.84%
  5. WEN logo
    Wendy's
    $15.51
    +3.47%
  6. WRBY logo
    Warby Parker
    $25.51
    +1.11%
  7. WMT logo
    Walmart
    $104.00
    +0.21%
  8. V logo
    Visa
    $355.23
    −0.42%
  9. VOO logo
    Vanguard S&P 500 ETF
    $563.67
    +0.24%
  10. VDC logo
    Vanguard Consumer Staples ETF
    $223.21
    +0.78%

Posts

Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
🐤Bye Bye Birdie🐤 Elon Musk has taken the helm at $TWTR and is not wasting any time. Musk plans to eliminate 50% of Twitter's workforce Friday (nearly 3700 jobs). Several other layoffs have already occurred since Musk took over: CEO Parag Agrawal, finance chief Ned Segal, senior legal staffers, the Chief Marketing Officer, the Chief Customer Officer, and the vice president of global client solutiSee more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
🎃The Halloween Indicator🎃 Even though this is one of the spookiest nights of the year, investors may have something to be bright and cheerful about on All Hallows’ Eve—The Halloween Indicator. Historically, there are higher returns from November through April, compared with the rest of the year. “Notably, the months November through April have brought an almost 3,000% cumulative return on theSee more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
❤️Don’t Forget to Live Your Life❤️ I know the market and the economy in general has been extra stressful lately. I want to remind everyone to stop and smell the 🌹. Live your life because we only get one. My wife and I just had our 1 year anniversary, which reminded me that I need to slow down and enjoy the time I have on this earth 🌍. Happy Monday everyone! Instagram reel: https://www.instagram.See more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
⛈️ Mega Pain for $META ⛈️ $META suffered its second-largest daily decline on record yesterday, dropping nearly 25%. The company was worth $1.078 trillion last September, but finished Thursday with a $263 billion valuation. The last time META was valued under $300 billion was February 19, 2016. ———See more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
❓When is the Best Time to Buy Stocks❓ $SPY is up 0.48% today at the time I'm writing this, up about 5% over the past week, but still down about 15% for the past year. The market goes up and down regularly. I've given up trying to guess what the market will do today, tomorrow, or later this year. So, if I have no idea what the market is going to do, when should I buy? In my opinion, if you stillSee more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
⚡5 Strategies for Budgeting⚡ No matter where you are in your financial life, budgeting is always important. The most financially savvy know where their money comes from and goes to. Here is a quick breakdown of 5 common strategies for budgeting. 1️⃣ Zero-Based Start with your income and give every dollar a job until you hit zero. This doesn’t mean you end with zero dollars in your bank account.See more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk

🏠Mortgage Rates - Where is the Top? Earlier this month, Lawrence Yun (the National Association of Realtors chief economist) predicted that interest rates could rise to 8.5% if they pass the 7% threshold. According to bankrate.com, the average rate for a 30-year fixed mortgage is 7.32% today. How high do you think mortgage rates will get before they start to drop again? https://www.bloomberg.com/news/articles/2022-10-13/us-mortgage-rates-may-push-toward-8-5-if-they-breach-7-barrier

8%20.69%
8.5%27.59%
9%22.41%
9.5%29.31%
58 votes • Ended 10/28/22
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
⚡️Bear Market Rally⚡️ Here is some insight into what may be causing the recent jump up for stocks. "Stocks got a boost on Tuesday from a surprise decision by the Reserve Bank of Australia to raise interest rates less than expected. The move fueled hopes that other central banks worldwide might curb their plans to tighten monetary policy in response to signs of financial stress." "New data from thSee more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
5 things to know before the stock market opens 09/26: 1. U.S. stock futures are all down today, but bitcoin futures are up. Dow -0.27% $DIA . S&P -0.26% $SPY . Nasdaq -0.04% $QQQ . Bitcoin +0.85% $BTC See more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk

⚡Porsche IPO⚡ Porsche is set to go public later this month with a valuation of $70 billion to $75 billion. The company plans to use some of the proceeds to work on EVs, and may pay a special dividend to its investors. "A combination of the Qatar Investment Authority, T. Rowe Price, and Norway's sovereign wealth fund will purchase nearly 40% of the share offering." Ferrari ($RACE) went public in 2015, and since then its valuation has gone from $10 billion to $35 billion. ❓Would you buy Porsche shares at IPO❓ https://apple.news/AaMexpoKbRIec2uZhl4228A

Yes70.24%
No29.76%
84 votes • Ended 09/27/22
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
💡How to Protect Your Retirement Portfolio if the Market Crashes💡 I recently discussed sequence of returns risk (link to full post below). Basically, sequence of returns risk is the danger that withdrawals from a portfolio after a large decline in value early in your retirement significantly impacts the overall value of your portfolio. In other words, if the stock market crashes in the beginning oSee more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
📅Next Week's Highlights📅 Tuesday (9/13): August's CPI report is expected to be 8.1%, which would be the second straight month of declining inflation. Analysts warn that moderating inflation might not be enough to keep the FOMC from increasing interest rates another 75 basis points. Starbucks ($SBUX) (9/13) and Roblox ($RBLX) (9/15) are having their investor days this week. ✏️IPOs: Monday (9/12See more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
🧠Sequence of Returns Risk🧠 For those of us that are still a long ways from retirement, down markets are actually a blessing. They allow us to buy more shares with less capital. However, for those starting their retirement, a bear market can be disastrous. Let's look at an example: Scenario A and Scenario B have the same returns, but in opposite sequence. If you start with a $100,000 portfolioSee more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
📌Stock Market Closed for Labor Day📌 The stock market is closed tomorrow 9/5/22 for Labor Day, but here are some upcoming earnings for the rest of the week: Tuesday, September 6 - Gitlab ($GTLB), Guidewire Software ($GWRE), and Coupa Software ($COUP). Wednesday, September 7 - Nio ($NIO), GameStop ($GME), Casey's General Stores ($CASY), American Eagle Outfitters ($AEO), and Academy Sports And OutSee more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
💡How to Increase Your Wealth by 40X💡 Did you know that homeowners are 40 times wealthier than renters? According to the 2019 Survey of Consumer Finances, the median homeowner has a household wealth of $254,900 compared to $6,720 for renters, that’s 40x more. Even in the lowest income group, the median net worth is $102,500 for homeowners, but only $1,500 for renters. Owning a home is not a riSee more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk
⚡️UPDATE: Student Loan Forgiveness Announcement⚡️ “President Biden announced on Wednesday that he would cancel $10,000 in student loan debt for Americans earning less than $125,000 per year, capping months of anticipation over a campaign promise to provide economic relief to millions of people. Mr. Biden also extended a pandemic-era pause on loan payments until the end of the year. It has been inSee more
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk

💡Will the Student Loan Pause Be Extended💡 Federal student loans have been on hold since March 2020, but that pause is set to end on August 31st, 2022. Some feel that there is no reason for another extension, while others say that resuming student loans months before an election would be "political suicide". ❓Do you think federal student loans will be extended again❓

Yes70.11%
No29.89%
87 votes • Ended 08/28/22
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Monique Nguyen avatar
Monique Nguyen
@financepillowtalk

⚡Gen Z Has Discovered IRAs⚡ 🔥Fidelity IRAs owned by Gen Z increased by 87% in the second quarter compared to the same quarter of 2021. 🔥Female Gen Z investors led the way with a 92% year-over-year increase in IRA adoption. I've said it before, and I'll say it again: the Roth IRA is my FAVORITE investment vehicle. So, here's something to bring up at brunch this weekend: ❓Do you have a Roth IRA? Do your friends have a Roth IRA? Do your parents have a Roth IRA❓ https://apple.news/AVJFATEHURHOi4P19Blgzmg

Heck Yes47.73%
No Thanks15.91%
Help Me Understand It36.36%
44 votes • Ended 08/27/22
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7,824 Followers • 1,133 Following

Monique Nguyen

@financepillowtalkHealthcare | Real Estate
Monique Nguyen avatar
Pharmacist 💊 by day. 1/2 of YouTube channel 🎥 Finance Pillow Talk during all other waking hours #longterm #cryptocurious #taxefficiency #PublicPartner. The investments in my portfolio or mentioned in my posts are entirely my own, and not in any way recommendations or advice. Anyone wishing to buy or sell should conduct their own research to determine what investments are best suited for their particular financial situation and risk tolerance. All investing involves risk.

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All investments involve the risk of loss and the past performance of a security or a financial product does not guarantee future results or returns. You should consult your legal, tax, or financial advisors before making any financial decisions. This material is not intended as a recommendation, offer, or solicitation to purchase or sell securities, open a brokerage account, or engage in any investment strategy.

Stocks, ETFs, Options, Bonds.
Self-directed brokerage accounts and brokerage services for US-listed, registered securities, options, and Bonds, except for treasury securities offered through Jiko Securities, Inc., are offered to self-directed customers by Open to the Public Investing, Inc. (“Public Investing”), a registered broker-dealer and member of FINRA & SIPC. Additional information about your broker can be found by clicking here. Public Investing is a wholly-owned subsidiary of Public Holdings, Inc. (“Public Holdings”). This is not an offer, solicitation of an offer, or advice to buy or sell securities or open a brokerage account in any jurisdiction where Public Investing is not registered. Securities products offered by Public Investing are not FDIC insured. Apex Clearing Corporation, our clearing firm, has additional insurance coverage in excess of the regular SIPC limits. Additional information can be found here.

Options.
Certain requirements must be met in order to trade options. Options can be risky and are not suitable for all investors. Options transactions are often complex, and investors can rapidly lose the entire amount of their investment or more in a short period of time. Investors should consider their investment objectives and risks carefully before investing in options. Refer to the Characteristics and Risks of Standardized Options before considering any options transaction. Supporting documentation for any claims, if applicable, will be furnished upon request. Tax considerations with options transactions are unique and investors considering options should consult their tax advisor as to how taxes affect the outcome of each options strategy.

Options Order Flow Rebates.
If you are enrolled in our Options Order Flow Rebate Program, Public Investing will share a percentage of our estimated order flow revenue for each completed options trade as a rebate to help reduce your trading costs. Rebate rates vary monthly from $0.06-$0.18 and depend on your current and prior month’s options trading volume. This rebate will be deducted from your cost to place the trade and will be reflected on your trade confirmation. To learn more, see our Options Rebate Program Terms & Conditions, Order Rebate FAQ and Fee Schedule.

Bonds.
“Bonds” shall refer to corporate debt securities and U.S. government securities offered on the Public platform through a self-directed brokerage account held at Public Investing and custodied at Apex Clearing. For purposes of this section, Bonds exclude treasury securities held in treasury accounts with Jiko Securities, Inc. as explained under the “ Treasury Accounts” section.

Investments in Bonds are subject to various risks including risks related to interest rates, credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. The value of Bonds fluctuate and any investments sold prior to maturity may result in gain or loss of principal. In general, when interest rates go up, Bond prices typically drop, and vice versa. Bonds with higher yields or offered by issuers with lower credit ratings generally carry a higher degree of risk. All fixed income securities are subject to price change and availability, and yield is subject to change. Bond ratings, if provided, are third party opinions on the overall bond's credit worthiness at the time the rating is assigned. Ratings are not recommendations to purchase, hold, or sell securities, and they do not address the market value of securities or their suitability for investment purposes.

A Bond Account is a self-directed brokerage account with Public Investing. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The Bond Account’s yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees. A bond’s yield is a function of its market price, which can fluctuate; therefore a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule.

Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. You should evaluate each bond before investing in a Bond Account. The bonds in your Bond Account will not be rebalanced and allocations will not be updated, except for Corporate Actions.

Fractional Bonds also carry additional risks including that they are only available on Public and cannot be transferred to other brokerages. Read more about the risks associated with fixed income and fractional bonds. See Bond Account Disclosures to learn more.

High-Yield Cash Account.
A High-Yield Cash Account is a secondary brokerage account with Public Investing. Funds in your High-Yield Cash Account are automatically deposited into partner banks (“Partner Banks”), where that cash earns interest and is eligible for FDIC insurance. See here for a list of current Partner Banks. Your Annual Percentage Yield is variable and may change at the discretion of the Partner Banks or Public Investing. Apex Clearing and Public Investing receive administrative fees for operating this program, which reduce the amount of interest paid on swept cash. Neither Public Investing nor any of its affiliates is a bank. Learn more.

Cryptocurrency.
Cryptocurrency trading, execution, and custody services are provided by Bakkt Crypto Solutions, LLC (NMLS ID 1828849) (“Bakkt”). Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrencies offered by Bakkt are not securities and are not FDIC insured or protected by SIPC. Your cryptocurrency assets are held in your Bakkt account. Bakkt is a licensed virtual currency business by the New York State Department of Financial Services and a licensed money transmitter, but is not a registered broker-dealer or a FINRA member. Your Bakkt Crypto account is separate from your brokerage account with Public Investing, which holds US-listed stocks and ETFs. Please review the Risk Disclosures before trading.

Treasury Accounts.
Investing services in treasury accounts offering 6 month US Treasury Bills on the Public platform are through Jiko Securities, Inc. (“JSI”), a registered broker-dealer and member of FINRA & SIPC. See JSI’s FINRA BrokerCheck and Form CRS for further information. JSI uses funds from your Treasury Account to purchase T-bills in increments of $100 “par value” (the T-bill’s value at maturity). T-bills are purchased at a discount to the par value and the T-bill’s yield represents the difference in price between the “par value” and the “discount price.” Aggregate funds in your Treasury Account in excess of the T-bill purchases will remain in your Treasury Account as cash. The value of T-bills fluctuate and investors may receive more or less than their original investments if sold prior to maturity. T-bills are subject to price change and availability - yield is subject to change. Past performance is not indicative of future performance. Investments in T-bills involve a variety of risks, including credit risk, interest rate risk, and liquidity risk. As a general rule, the price of a T-bills moves inversely to changes in interest rates. Although T-bills are considered safer than many other financial instruments, you could lose all or a part of your investment. See Jiko U.S. Treasuries Risk Disclosures for further details.

Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value.

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Commission-free trading refers to $0 commissions charged on trades of US listed registered securities placed during the US Markets Regular Trading Hours in self-directed brokerage accounts offered by Public Investing. Keep in mind that other fees such as regulatory fees, Premium subscription fees, commissions on trades during extended trading hours, wire transfer fees, and paper statement fees may apply to your brokerage account. Please see Public’s Investing’s Fee Schedule to learn more.

Fractional shares are illiquid outside of Public and not transferable. For a complete explanation of conditions, restrictions and limitations associated with fractional shares, see our Fractional Share Disclosure to learn more.

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Alpha.
Alpha is an experiment brought to you by Public Holdings, Inc. (“Public”). Alpha is an AI research tool powered by GPT-4, a generative large language model. Alpha is experimental technology and may give inaccurate or inappropriate responses. Output from Alpha should not be construed as investment research or recommendations, and should not serve as the basis for any investment decision. All Alpha output is provided “as is.” Public makes no representations or warranties with respect to the accuracy, completeness, quality, timeliness, or any other characteristic of such output. Your use of Alpha output is at your sole risk. Please independently evaluate and verify the accuracy of any such output for your own use case.

Market Data.
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