I was going to just let my Simple account roll over to the new bank to see how they handled it but since my card started getting declined all over the place for no reason and support was no help, I decided to jump ship. After Envel breaking and lot letting me sign up, and Schwab turning me down for lack of credit history (I've basically lived off-grid in terms of debt all my life), I settled on SoFi as my first trial for a new primary bank. Since I really wish there'd been more posts like this to help me compare options, I'm making one for SoFi. I'll go through the big Simple features one by one and make a comparison.

Goals (Vaults):

Vaults are, for all intents and purposes, identical to Simple Goals. You can create an arbitrary numbers of them. You can set a goal amount. You can schedule monthly contributions to a Vault. You can turn on AutoSave for a Vault which will allow you to automatically funnel a dollar amount or percentage of your direct deposits into a Vault. You can also turn on Roudup Transfer to select a vault to grow with your round ups. You can decide to automatically draw from Vaults when your spending balance runs out, or you can disable this and your card will be declined if all of your money is tied up in Vaults. You cannot have protected and unprotected vaults like you could in Simple. It is all or nothing.
The feature I liked from Simple that it's missing is the ability to only contribute X amount each day if you have disposable income, or money in Safe to Spend. Since there's no direct 1:1 comparison to Safe to Spend in SoFi, this is not possible. I liked the idea with Simple that when I have extra spending money, I'm also saving extra.

Expenses

There's no analogous functionality to this in SoFi though you can schedule regular bill pay.

Spending Categories

You can categorize your spending and review it at a glance in SoFi much like you can in Simple. There aren't as many fine-grained categories, but you can also create arbitrary custom tags to drill down with as much detail as you want. The part where SoFi really shines is you can track spending in more than one account, similar to Mint or YNAB. More on that later.

Joint Accounts

You can set up a joint account simply by inviting someone. It's as easy and powerful as Simple. SoFi does not currently support owning a joint and individual account, but the FAQ says it's on their roadmap as a feature.

Sharing

Just like Simple, SoFi supports instant transfers between members. It also supports sending money to anyone via their email address or SMS. No idea how this actually works or looks on the receiving end. It's poorly documented.

Checks

You can order paper checks, or, like Simple used to support, send a check from the app by using the Bill Pay interface. You can deposit checks through the mobile app at $25,000/day.

Cards

Just like Simple, you can lock your card or change your pin instantly through the app or website.
That's it for Simple features. The only big thing missing is the concept of Safe to Spend and expense automation.

Things Simple didn't do

The big one for me is the Relay feature. This is an all-in-one dashboard for your net worth. You can add any account or asset to your SoFi account to track its worth. If the account supports Plaid, you can also see transaction history. This lets you see and categorize your spending on just from your SoFi Money account, but any account you have connected. This lets you track or spending similar to Mint. You can add bank accounts, credit, investment accounts, loans, cars, real estate, or arbitrary assets and liabilities. Seen this all in one place and automated is very satisfying.
Investment accounts. This is what made me try SoFi in the first place. I just recently started taking investing seriously and actually paying attention to my 401k. In SoFi you can open an Active Investing account similar to Robinhood where you can buy whole or fractional shares in stocks and ETFs. You can open IRAs (including SEP for self-employed people or anyone with side-gig money). You can open joint investing accounts. You can open "Auto Investing" accounts that operate similar to ETFs where you set an aggressiveness goal and they manage your investing for you. This is a good replacement for a savings goal. Just create a conservative automated investing account and you can earn much better interest on your money while you save it up. You can also buy a handfull of common cryptocurrencies. This is all wrapped up in an attractive UI with guided wizards to help you choose the best options for your investment accounts based on your goals. They will also cover up to $75 in transfer fees to transfer investment accounts to SoFi.
They support personal loans, home loans, and student loans. There appear to be interest perks for members who set up autopay from their SoFi checking accounts.
They have an invite-only credit card program with various rewards that are tied into other features in SoFi.
Free access to financial and career advisors online along with a whole slew of other financial, life, and career resources. Their GetThatRaise tool will ask you about your salary, your seniority, your job title, what kind of success you've had, and will help you put together a proposal for a raise based on average salaries in your area for your position.
Local offers lets you browse businesses with promotional SoFi deals. If I go to Quiznos right now I get 10% cash back if I run my SoFi card as credit.
Your Vantage score is always available for free and tracked.
Referal bonuses can be had for getting people to open investment accounts or get loans.
There are a bunch of partner offers similar to being a AAA or Costco member.
They have a bunch of articles to help you learn as you go.

Things I dislike

A lot of features like the GetThatRaise tool are not really obviously exposed anywhere. I've found things by digging around FAQs and documentation where are not linked anywhere else on the site that I can find. They're not really doing a great job of pushing their features in front of the user.
No opening links in new tabs. This is a big quality of life annoyance. I can't click a stock and open it in a new page. If you get a few links deep looking at stocks you can't just go back to where you were. You have to start over and search again instead of going back to your previous results. This is incredibly annoying.
Feedback isn't always great. For example if you open an investment account, there's a pending approval period. This is not listed anywhere on the web site. The mobile app indicates a pending approval. But on the website the only way to know it's not approved is your initial deposit hasn't gone through yet. There are a lot of other little things that could be better documented or better communicated to the user.
Screenshots:
Dashboard
Vaults
Investment Dashboard
Relay Dashboard
Relay Account Listing
...continued
I'm very happy with SoFi so far. I'm still digging up features. Being able to invest through my bank app is awesome. I'm going to screw around with some fun WSB-style gambling with disposable income in active investing, and set up longer term and lower risk accounts for savings. The APY on the Money (checking) account is 0.25% but I don't really care as all I'm going to keep there is my spending money and my emergency fund in a vault. I plan to keep as much of my money as possible in some level of investment account and "high yield" checking/savings accounts have been a complete joke for some time.
If you're using one of the other common banks people are jumping to, feel free to post a breakdown like this to help others decide.

Background:
Neopets is a browser-based virtual pet and game site that took over the world in the late 90s and early 2000s. It's known for its Flash games, player-controlled economy, and nostalgia value. It has been sold to many different companies over the years- Viacom in 2005 for $160 million, and most recently JumpStart in 2014 for an undisclosed sum. Each change of company saw a little more removal from the original designers and developers, and a little less care taken in maintaining the site people are familiar with.
When JumpStart acquired the site in 2014, they had to migrate it to their servers, their *smaller* servers, and the site lost a lot of functionality people enjoyed. They closed Key Quest, a virtual board game that linked IRL plushies to player figurines and gave out sought-after prizes, Habitarium, a strategy/base management idle game, and many random site features. People are still discovering features that didn't "make it over", pages that are broken, and avatars (images that you customize your board posts with) that are no longer obtainable because the code is gone.
This frustrated and angered many loyal players as JumpStart gave no word that the migration would result in removal of so many popular and loved site features.
The features were never restored. In 2018 they hinted that Key Quest would return- but then in 2019 they announced the effort was cancelled.
Neopets celebrated its 20th anniversary last year, and has been working on several large projects to enrich the site- a town builder app, a match-3 app, and especially a mobile-friendly HTML5 version of the site due to the approaching Flash decommission.
In parallel with those long-term goals, players expect certain recurring events on the site, like the Altador Cup, an annual "World Cup" like sports event where users join teams from each region of the Neopets planet, Neopia, and compete in flash games to determine which Land wins, and the Advent Calendar, a month-long event in December where users view a new holiday-themed animation and collect related unique items.
It's unknown how many people are working on JumpStart Neopets versus the Viacom Neopets days, but it's rumored to be a smaller crew. The mobile games are being developed by a separate team in Canada. The NC wearables (real-money clothes for your pet) are made in India. But the actual site features are a mystery.
The reason this is relevant is because the events on the site require months of work ahead of time, and there are questions of if JumpStart Neopets can handle it at its current size.
This becomes apparent at every new event they try to host- because the userbase is sure to be loud and clear at things they do not like. Every event has taken a major cut in quality, especially ones that are less recyclable year-to-year.
​
Charity Corner:
A huge part of the Neopian experience is the economy, as its entirely player-controlled. Neopoints are the currency, earned by doing many things, playing Flash games, selling items, winning contests, doing "dailies"- small one-click HTML games that award prizes etc. The Flash games have a fixed Neopoint ratio per point earned in the game, and the NPC shops have an inflation rate that changes periodically. The NPC shops that randomly stock items at set price points, and users fight to be first to buy the "rare" and expensive items first. Then, they can resell the item for a high profit.
Dailies are something every user does every day. They give out a lot of items that are "junk"- worth so little because everyone ends up with 1000 of them kicking around in their Safety Deposit Box (SDB)- a place to hold extra items safely, that they have no value in the economy.
2014: Charity Corner is an event that was first started in 2014. It is centered around clearing out all the junk in Neopia by getting users to donate 5 items of certain rarity values in exchange for another single item of that rarity. This caused a lot of turmoil in the economy, because one could donate 5 Mallard Balloons at 1,200 Neopoints each and receive a Baby Techo Bobblehead worth 7,000,000 NP! So, due to supply and demand all the "cheap" items of the highest rarities quickly ballooned (pun unintended) to huge prices as people gambled for rare returns. Overall, it was seen by most as a good event and a cool way to obtain otherwise unobtainable items. Those who had the rare items to begin with saw it in a negative light for depreciating their worth.
The event returned each year with similar rules and prize mechanics.
2018: A big change was made this year- instead of giving 5 items for 1 item back, you would now redeem items for points. These points could be used at the end of the event to cash in on "perks"- less tangible rewards that modified your user experience. TNT did not list the perks prior to the end of the event, so they were a mystery.
One perk example is "Limited Edition" which would give you the ability to change one of your existing pets into a species that is hard to obtain/expensive. "Bank Bribery" would grant you 3% higher interest on the Neopoints in your bank account. Generally, these perks were extremely sought-after as they lasted the entire year and could allow people to more easily obtain their dream goals.
​
2019: The perks returned- this time allowing users to see the list while still donating.
Certain items in high rarities could be guaranteed from dailies, like an item called a Sticky Snowball that could be purchased from a special, infinitely-stocked healing item shop for 25 NP each. This transaction could be done every 30 minutes.
Because the event structure had not changed in the last few years, Neopians stockpiled these snowballs. People listed in their forum signatures how many they'd purchased- many in the THOUSANDS. Contrary to the event's purpose of getting rid of clutter, people were hoarding junk on purpose, either to give in the event for perks, or to sell during the event when the prices inflated for a tidy profit.
​
The Drama:
Ok guys, all caught up? Here's the drama now. It's 2020, and TNT has just unveiled the new Charity Corner for 2020 yesterday night. The theme for this year ties in to their new town-building app, and brings the world its set in into the broader Neopets game. And surprise! They took away the perks!
This year is still using a point system, but instead of redeeming for perks, points can be redeemed for prizes unique to the event. This ranges from a petpet (a pet... for your pet), to foods, to a stamp (these limited time event stamps are highly sought after due to the stamp-collecting book, once you put in a stamp you can never take it out again). But the most interesting items were "mystery capsules" of 3 different tiers.
These items are similar to the "give 5 get 1" mechanic, but it's more "give 187.5 get 1" to "give 500 get 1". This is because each single capsule costs 1500, 2500, and 4000 points respectively for each tier. And donating one item of a rarity 98-100 (the most points for the least NP), gives only 8 points.
​
Now, a Sticky Snowball is rarity 100, so users who spent every 30 min of the last year buying a snowball should be able to get 8 * 2000+ points, right? Well, no. TNT caught on to this get-rich-quick scheme and dropped a big surprise on everyone: Sticky Snowballs specifically were now only 1 point. 1 point!
To top it all off, if you DO buy one of these boxes after donating hundreds of items, do you at least get something cool like you could in 2014? Not really. TNT posted the chances for these boxes in the FAQ for the event, quoted below:

Tier 1 - Ultra Rare (4000 points)
1-84 : 85%
85-89: 10%
90-94: 4%
95-99: 1%
Tier 2 - Rare (2500 points)
1-74 : 85%
75-84: 10%
85-89: 3%
90-94: 2%
Tier 3 - Common (1500 points)
1-74 : 85%
75-84: 10%
85-89: 5%

​
Notice how each has an 85% chance of giving a junk item (rarity 1-74), and paying 4000 points for the highest tier only gives you a 5% chance of getting anything above rarity 90 (1% for 95-99).
This is heinous compared to the give 5 get 1 method, where if you gave 5 items of rarity 90-100, you were *guaranteed* another item from that rarity level. It means that you could donate 500 1,000 NP items and get a single 500 NP item back. Not just *could*, but it's the most likely outcome!
The community went absolutely rabid yesterday because of these changes. Here are some choice posts on the Site Events board:

"Opened the top tier mystery capsule"

​

"It's really pathetic that they did that with SSB. If anything, they should have raised the point requirements for prizes, not destroyed the value of SSB. They knew most users who planned on participating in CC this year were stocking up on them, it's really disappointing that TNT would do this. It's really petty."

​

"I canceled my Premium subscription. I'm not going to financially support a site that blatantly and maliciously disrespects its userbase with stuff like this." (Premium is an upgraded version of the site with no ads, other perks, that costs real money. About 2 dozen others also replied to say they also cancelled)

​

"Why Hasn't TNT Come Out With A Statement To Address This Tragedy Yet?"

​

"What did you get from your level 1 capsule?
I got a quality r42 Professor Chesterpot worth 1,400.
You've got to laugh or otherwise you'll cry, right?"

​

"let's be honest, even before the event was boring, sluggish, and god awful ugly. i mean the design of the machine is just despicable. I cannot imagine anyone getting a degree in art and then coming up with THAT at a professional job!!! i mean it's absurd.

​

And then they took away the only part of it that made any of it worth it or cool."

​

"Let's maybe not call people bootlickers and trolls for enjoying a thing." ​ "Quote:
I don't think TNT is in the wrong
ahhh, another TNT can do no wrong type of thinking. Keep thinking this way and they will feel entitled to destroy yet another event / part of the site."

​

"Imagine hating your userbase this much lol"

​

"I don't have enough cups for all the tea."
"I'm sorry tnt, but literally just stop trying"

​

"This is the most pathetic excuse of an event I have ever seen in my entire existence."

​

"In my opinion TNT is just active trying to k/ill this website tbh
this was the last straw for me and im not coming back"

​

https://i.imgur.com/lZOHCr2.png

​
Consequences:
The economy is in shambles- Sticky Snowballs went from cheap to expensive and are now right back at cheap again. People with 5000 are crying. The Site Events board is on fire.
Everyone is frothing at the mouth, and the few people that like or try to defend it are promptly dismembered by the mob. People are cancelling their Premium memberships left and right. Others are downright quitting altogether. Many are boycotting the event and the mobile game its themed around. There are several "petitions" to fix the event.
Keep in mind that everyone in this situation are firmly adults, at least in their 20s. A nontrivial amount are over 50. Actually, that might be relevant to this post:

"this site is full of karens who are not happy with anything"

Will their outrage cause TNT to change the shop? Will they add perks? Will they reinstate the Sticky Snowball? Will they adjust the capsule chances?
Surely there is more to come here and I will edit to update.
Update 1:
Prize shop prices have changed! The 3 capsules have been cut to 10% their original price- so T1 is 400, T2 is 250, and T3 is 150. These prices are MUCH more reasonable- requiring only 50-100 items per box instead of 500. Other prices have also changed- for example, the stamp is 1,500 instead of 5,000.
TNT also posted this message in their staff-specific board:

Hi everyone,
As many of you know, Charity Corner was released this year with a few changes. We wanted to take a moment to talk about these changes, as well as address the concerns we've heard from the users since we launched the event yesterday.
The first thing we'd like to talk about is the removal of perks. During last year's Charity Corner, the site encountered some technical difficulties as a result of their implementation. This year, our dev team has been focusing their main efforts on converting the site in preparation for the end of Flash. This dev team is also responsible for working on all site events, including Charity Corner. In the interest of directing efforts towards the site's conversion and to avoid unforeseen site bugs and user difficulties due to perks, they were removed from the event.
We'd also like to address the issue of the sticky snowball items. This adjustment was made as a necessary balance change; the Charity Corner donation items are intended to be worth the same amount that it takes to obtain them, similar to the value of other snowball items on the site. The team never intended to intentionally obstruct the event due to this balance change, and we'd like to apologize for any miscommunication this change may have caused.
We've heard your comments and concerns regarding Charity Corner this year, and we'd like to make this right. Adjustments will be made to the prize shop; prices will be reduced on all prizes, and you'll be able to claim a free gift of 500 points to use in whichever purchase you wish. The price changes will be rolling out immediately, and those 500 points will be coming your way soon.
We know we've let you down this year, but we truly do value the community and want to thank you for keeping an open dialogue with us. Our team is doing its best to ensure the future of Neopets, and we hope you'll stick with us as we work to modernize the site approaching the end of 2020.
-TNT

Reactions:

Wow. I wasn't going to cancel premium. But that response was horrendous. TNT truly does not care about the users.

​

"wow -facepalm emoji- so now what about all the folks who already spent their points?"

​

"lol wonder if I'll get back my 2,500 for the stamp now that its lower. Probably not, oh well. I don't care anymore, this whole thing just sux"

​

"Refunding after people already sold what they bought with the points? umm... no"

​

"Changing things without notice, so that it hurts whoever was getting things done early on. Where have we heard that before?"

​

"I SPENT 13000 POINTS FOR THE LOVE OF GOD HELP MEEEEEEEEEEEEEEEEEEEEEEEEEEEE"

​

"wow i absolutely love how they not only messed it up AGAIN but messed it up PARTICULARLY for the people who had actually TRIED to play the event and used it even tho it was bad amazing fail tnt 10/10 genuine evil"

Most of these came from a topic that got deleted by the moderators- not because of the whining, but because the first post mentioned a different pet site and encouraged people to go there, which is against the rules.
Of course, people are seeing it instead as censorship of their demands.
Seems TNT can't win with this one guys- they apologized and adjusted things as asked and somehow everyone is MORE angry because they already spent points on something they were already so angry about.
The Karen comment from above is a little more relevant as people are now demanding a refund!
​
Update 2:
New message from TNT:

Hi Everyone,
This is the second part of our charity corner update. If you spent points in the prize shop before we reduced the prices, you will be receiving a refund of the difference. Additionally if you visit the prize shop you can claim 500 free points by clicking on the little gift box in the lower right corner. Lastly please note that the prize shop will stay open during and after the event ends.
-TNT

So, they got their refund!
Reactions:

Total Prize Points Earned: 10,059Prize Points Left: -2,441Prize Points Spent: 5,300
I'm not gifted at math, but something isn't adding up...

​

I work in IT.
Yeah I know this event is a let down. But everything I'm seeing is a sign that they're understaffed, underfunded and the transition away from flash is a massive undertaking.
Can we cut them some slack?

​

what about the people that bought the expensive prizes (stamp) sold them already and still got their points back? that's not fair

​
Update 3:

Hello [username],
You’re receiving this Neomail because you purchased 1 or more Tier 1 Mystery Capsules during this year's Charity Corner event prior to this Sept 18th neomail. Recently, our team uncovered an internal issue that was causing the rarity drop rates of Tier 1 and Tier 3 Mystery Capsules to be switched. The issue has since been fixed; Tier 1 capsules will now properly grant higher rarity items at a higher rate, and Tier 3’s will grant the lowest.
We’d like to sincerely apologize to you for this oversight. Due to those previous balance issues, you have been re-granted the same amount of Tier 1 capsules that you previously purchased. You can now find those capsules, working with the correct drop rates, in your Inventory. Any existing Tier 1 capsules you had unopened will now have the corrected rates.
The Neopets Team

Uh-huh, an internal issue, eh? That's confusing, since the drop rates for Tier 3 when I bought my Tier 1 capsule didn't even include the highest rarities.
The FAQ now has some slightly different rates:

Tier 1 - Ultra Rare
1-84 : 85%
85-89: 10%
90-94: 4%
95-99: 1%
Tier 2 - Rare
1-74 : 85%
75-84: 10%
85-89: 3%
90-94: 2%
Tier 3 - Common
1-74 : 85%
75-84: 10%
85-89: 5%

With R90-04 and R95-99 spit with slightly higher chances on the T1.
I opened the replacement capsule I got and received a Banana Hot Dog- R70 and worth 700 NP.
​
A staff member from the dev team also released a statement in this week's Neopian Times (weekly newspaper released on Friday nights):

Hi all. Gutterfoot here. It's been a tough week for everyone and we know this years' Charity Corner isn't what any of us expected. There were a lot of issues that we should have been more on top of as well as things like server crashes completely outside of our control.
We've heard everyone's concerns on the Neoboards about the need for more open communication. I personally try to be on the Mobile Beta board as much as time permits me (as I am also a member of the dev team, not a full-time community manager), but it just isn't realistic for all of us. The problem is that the TNT you all see on the boards popping in ARE the dev team as well. Having us be constantly available for communication just isn't viable, especially not while that same team is responsible for both the conversion effort and keeping up with content/events.
Now, I know NONE of this is your problem. This is entirely a problem that TNT needs to handle and we promise that we're going to make an effort to communicate more openly. We want and value your feedback. I appreciate every user who participates on the Mobile Beta board, whether they have dedicated entire pet pages of feedback or just pop-in to report a bug they've noticed. It's all so incredibly helpful to our team.
Circling back to Charity Corner, refunds should be processed and the glitch that prevented some users from claiming their free 500 points should be solved. If anyone feels that their point totals aren't accurate, please send a support ticket and we will try to respond as quickly as possible before the event ends on the 28th of September. We have also fixed the issue where tier 1 and tier 3 mystery capsule drop rates were switched. Those who purchased tier 1 capsules have been reimbursed with new ones. And the capsules within your inventory/prize shop are now reflecting correct drop rates. There won't be any penalties at all since this was entirely our mistake, so everyone is safe. We know we can do better than this and we hope to regain your trust one step at a time.

Note: Today is International Talk like a Pirate Day, and Neopets has a forum filter that makes "see"-spy, you- ye, about- 'bout, etc. Any odd wording in these messages is just a result of that filter.
Reactions:

eh, response was bad and didn't address anyone's questions

​

Dunno why people are upset at someone from the dev team doing their best.

Gutterfoot then came to the thread to discuss with users:

i agree that our response doesn't answer a whole lot of questions ye may have had across the boards, but we're planning on making a statement in the next editorial 'bout specific things like the status of the conversion effert and ways to hear more feedback within the community 'bout what the users want.
if anyone wants to send me a neomail, please do so and i will be able to respond better there than monitoring the ferums throughout the work day. i'm only here now because the day is over, haha. but i truly do care 'bout this community and so does the rest of the dev team. thank ye to everyone.

Reactions to Gutterfoot responding:

i'm literally gonna eat me shorts

​

I don't know if the dev team has a say in decision making or ye just execute orders, but plz let yer other "professional colleagues" know that their decision making is highly flawed and this site probably won't be able to survive 2-3 more bad events.
Our opinion of TNT is so low, that even by association, we can't fully trust yer words. You are part of TNT.

​

​
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By only having games from the top software companies, you are giving your players a clear message that you are only satisfied with the best quality games. Perhaps the most important aspect is game reliability, honesty and fairness. All games from the top software companies are fully tested and accredited by regulatory bodies. These gaming authorities check whether games indeed turn out completely random results and give gamblers a honest shot at winning. This is perhaps even more important than just a fantastically designed game, as in the end what matters most is reliability and honesty inside a casino.

RNG

The games which can be played at Whamoo Casino all have a piece of code called a Random Number Generator (RNG). With a random number generator, the outcome of every game is completely random and independent from previous results. It means that every card being dealt on the table, all dice which are thrown during a game, and every ball spinning around in the roulette wheel is never predetermined. Let’s put it this way: if you throw a single dice with the numbers 1 to 6 on it, you have indeed an exact 1 out of 6 chance that it will land on your predicted number.
A random number generator is absolutely crucial when it comes to delivering fair game results and giving gamblers a honest chance at winning. By having games from the top software providers, Whamoo makes sure that you can trust the fairness of every casino game you play. The good thing is that not only are the game results subject to occasional audits by regulatory authorities, but that these software providers also pro-actively test their own games to ensure they fulfil the highest industry standards. They hire independent testing agencies such as eCOGRA to check their games, both in virtual simulations and real-time results.
Let’s take a look at the software providers whose games have already been added to the Whamoo game library. As these are some of the best known software developers in the world, chances are that you have heard about some of these names before!
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NETENT GAMES

Also known by its full name of Net Entertainment, NetEnt is one of the largest casino game developers in the world. NetEnt is a Swedish company which was founded in 1996, which makes it one of the oldest companies in the relatively young world of online casino gaming. It is so big, that the company is even listed on the local NASDAQ stock exchange in Stockholm, Sweden!
NetEnt is best known for its vast video slot portfolio, of which many games are also playable at Whamoo. Having NetEnt games in your casino game library is almost a must for every online casino, as besides Whamoo some 300 or so more online casinos have NetEnt games available, which tells you something about the popularity of this company. Just like Whamoo itself, NetEnt has a full gambling licence in the EU member state of Malta, which means that all games are subject to regulatory oversight and can be trusted for their fairness. NetEnt also works closely together with independent testing labs to ensure that their games meet the highest standards.
Some popular NetEnt games which you can play at Whamoo are Jack and the Beanstalk, BerryBurst, Twin Spin, The Vikings, Wings of Riches, Aloha!, Fruit Shop, Jacks or Better, Gonzo’s Quest, Dazzle Me, Wild Bazaar and of course the eternal favourite of Starburst.

PRAGMATIC PLAY GAMES

Pragmatic Play is another major company in the online gaming world. The casino games of Pragmatic Play are always popular with the players, so it is no surprise that Whamoo has chosen to add quite a few Pragmatic Play games to its online collection. Pragmatic Play focuses mostly on online video slots, although they also make some exciting live casino games which are hosted in their own studios.
Being only founded in 2015, Pragmatic Play is a relative newcomer within the game developing industry. Yet in those few years time, the company already managed to reach to top heights with Pragmatic Play being considered to rank among the top game providers. Quality and safety are of immense importance for Pragmatic Play. Therefore, all games are documented and tested by independent auditors and testing labs such as QUINEL, BMM and Gaming Labs.
Popular Pragmatic Play games which can be played at Whamoo are John Hunter and the Aztec Treasure, Great Rhino Megaways, Leprechaun Song, Lucky Dragons, Mustang Gold, The Champions, Vegas Nights, Aztec Gems, Buffalo King, Starz Megaways, Triple Jokers, Magic Crystals, Sugar Rush, Beowulf and many more exciting video slots.
Of course, many baccarat, blackjack and roulette variants are available in Whamoo’s Live Casino which is powered by Pragmatic Play software. You are connected by high resolution video feed to professional dealers and croupiers in one of the Pragmatic Play casino studios where you can experience the thrills of a real life casino behind your computer or mobile phone. It’s almost like you are standing in Vegas!

STAKELOGIC GAMES

Stakelogic is another popular software developer which has added its games to the Whamoo game library. As one of the best-known developers in the software industry, it is always a good sign that Stakelogic games are available to play given that this company has made some exciting video slots.
Using HTML5, Stakelogic games are of course fully mobile compatible, which means you can play them on your smartphone as well. The company has also made some exciting new 3D slots which are not only gorgeous to look at but also wild fun to play. As an off-shoot company from gaming giants Novomatic, Stakelogic certainly is a reputable software developer which can be trusted when it comes to fairness and reliability.
Popular Stakelogic games are Epic Slam, Wild Stallion, Magic Wheel, Super Wild Arcade, Fruit Spinner, Lucky Gems Deluxe, Hot Fruits, Grand Slam Deluxe, Runner Runner, Turbo 4 Player Jackpot, Dragons and Magic, Big 5 Jungle Jackpot, Mariachi and The Big Cash Game.
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High limit gaming options

Whamoo is an online casino which is not only suitable for gamblers on a tight budget, but also for the true high rollers. You can place bets as low as a few cents, or as high as several thousands of euros or dollars at this online casino. Depending on your game of choice, whether its a jackpot video slot or classic table game, there are countless of options to bet big for maximum excitement and chances of winning top prizes. Further down in this Whamoo review, we will discuss some of the high limit games which are available.
Highrollers should also note that Whamoo comes with its own VIP programme in which you can quickly work yourself to the top category if you bet big. You can get instant access to your own dedicated casino manager and will get invites to high stakes tournaments. There are special weekly cashback bonuses as well for the true high roller gamblers at Whamoo. We will discuss the VIP program more in depth a bit further down this Whamoo review.
For now, let’s take a look at all the high roller games which are available at Whamoo Online Casino!

Endless rows of jackpot video slots

If you are a real lover of video slots you will be glad to hear that Whamoo has several hundreds of online video slots available. Although some of these slots are more suitable for beginning players or those on a tight budget, there are plenty of slots available where you can bet up to 100 euro/dollar per spin. This makes for some exhilarating and thrilling slot game action which will please any high stakes gambler out there!
Of course, Whamoo also has its share of jackpot slots where you have a shot at winning the progressive jackpot which can run well above a million euro or dollar! These premium slots, such as those using the famous Megaways system, offer countless of opportunities to place maximum bets at your video slot of choice.
Check the Whamoo game library whether or not your favourite slot is available as well, or try one of the many exciting new game additions! It is easy to browse through the Whamoo website. You can sort slots by software provider, or use the search function to check for your beloved title.

Join for some high stakes blackjack action

Blackjack has always been one of the most popular games among high rollers and the reasons why are quite clear. You can often bet high amounts of money on a single play and you can as a player slightly influence the outcome of a game as you need to decide whether you want to stand or hit another card.
At Whamoo, there is plenty of high stakes blackjack action. There are both normal blackjack games such as American Blackjack and multihand Blackjack, as well as blackjack tables in the live casino. In the live casino, which is powered by Pragmatic Play software, you can play several blackjack variants. Bets of up to several hundreds of euros or dollars, or even higher for the real VIPs, are possible.
Beat the hand of the dealer and hit that score of 21. Maybe it will be your lucky day playing blackjack at Whamoo Online Casino!

Grab a seat at the roulette table

There is plenty of roulette action at Whamoo as well. You can choose between virtual roulette versions, or opt for a seat at a roulette table in the live casino, where you are connected to a real-time croupier by video feed. Especially in the live casino high bets of up to a thousand dollar or more are possible, making roulette a big favourite among the real high stake gamblers.
Of course, Whamoo Casino has all of the the standard roulette versions of American Roulette, French Roulette and European Roulette. Most of these games are developed by software giants NetEnt.
In the live casino, there is also Roulette Macao Live, where you will be connected to a gaming environment which makes you feel like you are playing in the famous casinos of this Chinese gambling mecca. Live Speed Roulette, Live Roulette Auto and Roulette Azure are popular Pragmatic Play live casino versions of roulette which are available to Whamoo players.
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Whamoo's unique bonus package

One area in which Whamoo stands out as online casino is its great bonus package. Of course, there is a great welcome bonus for newly registered users. But the fun doesn’t stop there! At Whamoo casino, it is bonus day almost every single day of the week. On Mondays, Wednesdays and Fridays the casino has recurring bonus offers if you reload you bankroll on one of those days. This makes Whamoo not only an attractive casino at the moment you sign up, but also at all those moments when you come back to play again.
300 free spins or a €200 deposit bonus

The Whamoo welcome bonus

We start of discussing the Whamoo welcome bonus which is called the “Welcombo” bonus by the casino. On a picture the Welcombo might not look too appealing as its packed in a carton takeaway box you might get at a certain fast food restaurant, but trust us on this: its contents are truly fantastic.
The Welcombo box contains a combination of goodies you get with your very first deposit at Whamoo. And what is best of all? You can decide what combo you want to receive! If you sign up at Whamoo for a free online casino account, you can determine your own bonus by adjusting the slide until you have found a combination which matches your idea of a perfect bonus.
This is a great option as it allows people to choose the bonus which best suits them. You can choose between free spins and a deposit bonus – or a combination of both. If you are an avid video slot gamer and do not care much about table games, you may want to slide all the way to the maximum free spins bonus. In that case, you will receive 300 free spins, but your deposit bonus will be 0%. The free spins in the Welcombo package are valid on the popular Amatic Industries slot Book of Fortune.
On the other hand, if you only care about table games and are not really interested in free spins and playing video slots, you want to adjust the slide to the maximum deposit bonus. This is a 100% deposit bonus of up to 200 euro. This means that if you deposit 200 euro of your own money to your newly created online casino account, Whamoo will top this up by another 200 euro from the house! If you select the full 100% deposit bonus, you will however not receive any free spins at all.
Of course, you can also opt for a mix between free spins and a deposit bonus. If you leave the slider in the middle, you will get 150 free spins and a 50% deposit bonus, for example. You can tweak this in any direction you want, for example to a 70% deposit bonus and 90 free spins. The higher your deposit bonus, the less free spins you receive. Want more free spins? Then your deposit bonus will decrease.

Welcombo bonus terms and conditions

Only one bonus is allowed per household and/or per player account. Do note that Whamoo’s bonuses remain valid until seven days after the required deposit has been made. Once this period ends, the bonus is automatically flagged as expired by the system and can no longer be released. The expired bonus funds are then automatically removed from the player’s account.
Of course, there is a wagering requirement which must be met in order to withdraw your bonus money and any winnings which may derive from it. Real money balance is used prior to bonus balance. The bonus balance will only be used when there is no real money available in your account. Only real money funds and released bonus funds can contribute towards the wagering requirement of the bonus. The wagering requirement for the Welcombo deposit bonus and free spins is thirty times (30x) the deposit + bonus.
Do note that players that deposit money using Paysafecard, Skrill or Neteller are not eligible for the Welcombo. To assure fair gaming and prevent fraud, Whamoo has placed a maximum cap on bonus money wagers, which are limited to a maximum per round/bet of €5 or its equivalent in other currencies. You should also be aware that certain games cannot be played using bonus money. There is a full overview of these games on the Whamoo bonus page.
Bets placed in certain games might not contribute fully to the wagering requirements.

• Bets placed on video slots count for 100%
• Bets placed on scratch cards count for 100%
• Bets placed on blackjack count for 10%
• Bets placed on video poker count for 10%
• Bets placed on poker count for 10%
• Bets placed on roulette, baccarat, sic-bo and craps do not count
• Bets placed on live casino games do not count

Recurring bonuses at Whamoo

The bonus fun does not stop at the welcome bonus when you play at Whamoo! You can count on a constant stream of promotional campaigns and bonus offers. The casino has recurring promo offers every Monday, Wednesday and Friday. If you deposit some extra money to your online casino bankroll on one of those days, you are eligible for a bonus. It therefore pays off to wait for these days before you decide to reload your online funds.
On Monday it is Pick ‘n’ Play day to start off the week with some good vibes. On this day, the casino basically tops up your deposited money You can:

• Turn your €20 into €25 with the code 100024;
• turn your €50 into €65 with the code 100025, and/or
• turn your €100 into €135 with the code 100026.

It is even possible to combine these bonuses if you want to deposit a larger sum! Alternatively, you can use the bonus codes of WHPICK5, WHPICK15 and WHPICK35 by putting these into the promo code field on the cashier page every Monday.

Whoa Wednesday

Wednesday is for many a difficult day in the week, it being right in the middle of another long week of work. To spice up things, Whamoo has come with an unusual bonus which it calls “Whoa Wednesday”.
Every Wednesday you get to uncover your secret gift – for free, no strings attached. The casino will add this gift to your next deposit. This can be a bonus, a set of free spins, or even both. You’ll get all the details once you’ve pulled off the cover and logged into your account. You will receive the bonus details and promotional code, which you can use in the promo field at the payment page to receive your hard-earned Wednesday bonus.

Freeday bonus

Friday is the favourite day of the week for many people – and the reason why is quite obvious. It marks the end of another working week and the start of some well-deserved weekend R&R! For many people this involves paying a visit to a land-based or online casino to get their kicks at their favourite game, whether it is a card game, roulette or video slot.
Whamoo knows that many people cannot wait for the days off work to start and therefore has come up with a special Friday bonus to welcome in the weekend! This bonus day is called ‘Freeday’ by Whamoo. The casino basically hands you a bunch of free spins if you are a regular customer. For every weekday from the previous week (Friday through Thursday) that you’ve deposited 30 euro or more, you get 10 free spins. For every weekend day you even get 20 Free Spins! That means up to 90 Free Spins are yours to play with. That’s a great start to a weekend full of partying and fun!

Wagering requirements

Do note that wagering requirements do apply to all daily promo offers. These are more or less the same as we outlined above in the description of the welcome package, but do take a look at the bonus terms and conditions page on the Whamoo website to know precisely what you can expect! As always, it is important to read the small print in order not to face any surprises later on.
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A fully mobile compatible casino

As a brand new online casino, Whamoo knows that already a majority of gamblers nowadays play on their mobile phones rather than on computers. Because of this, the Whamoo casino is fully compatible with mobile devices and tablets. If you load the Whamoo website on your smartphone, it looks just as good as on your laptop of computer. It’s equally accessible and orderly too! The mobile website is a breeze to browse through and you can easily access all the important pages such as the game library and payment page.
The same counts for the actual games themselves. Whamoo only works with software providers which are known to offer full mobile gaming support. These games are made in code such as HTML5, which means that the games can simply be played in your (mobile) internet browser. There is no download or special app required to play these games. Whether you are playing on your computer, tablet or smartphone, you simply surf to Whamoo.com and select your favourite game from the library. This game will then open in your internet browser – and you can play instantly. It does not matter whether your phone runs on Android or is an iPhone, nor does it matter whether you have Mozilla Firefox, Google Chrome, Internet Explorer, Opera, Safari or any other internet browser. Whamoo will function just fine!
This is absolutely great as you can now play at Whamoo wherever you are, whenever you want. Want to put down some wagers on the roulette table while you are sitting in public transport on your way to work? That’s easily doable! Just take out your smartphone on the train or bus, and surf to Whamoo.com to play at your favourite roulette table. Are you sitting on your couch at home and want to play a few hands of blackjack before going to sleep? Just take out your laptop, tablet or phone and within seconds you can have some of the most exhilarating blackjack fun on your screen.

The Whamoo Live Casino

Whamoo’s live casino is powered by Pragmatic Play and NetEnt software – which are two of the biggest, most reputable software providers in the world. This is great news for the players, as you can access high quality tables in just a few clicks.
In the live casino, you are connected with a live video feed to a real-time casino table in one of the casino studios of these software providers. You can play games like baccarat, blackjack and roulette like you are standing in a real land-based casino in Vegas or Monaco! Thanks to the high definition video stream, you have a great overview of all the action which unfolds on and around the table.
All table games are led by experienced, professional croupiers and dealers who are not only well-trained, but entertaining as well. By all means, feel free to open your microphone or the chat window to have a talk with them, or even with other players from around the world. This is what makes the live casino such a great invention. Even though you might be sitting at home in front of your laptop or computer, it does almost feel like you are standing in a casino for real!
Especially for high rollers the live casino is a worthwhile addition as table limits are often much higher than in regular games. Of course, if you are on a tight budget there will definitely be live casino tables where low minimum bets are allowed too – no worries there. But it is the experienced, high stakes gambler who probably feels most at home in the live casino.
There are multiple baccarat, blackjack and roulette variants which you can play. For roulette, there is American Roulette, European Roulette, French Roulette, Speed Roulette, Live Roulette Auto and Roulette Macao Live. If you prefer the casino classic of blackjack, you will find plenty of different tables all with slightly different betting limits. Baccarat is perhaps the game with the highest betting limit. Besides the regular version, there are also Speed Baccarat tables. A fourth casino game which can be played live at the Whamoo Live Casino is Sic Bo. Just browse through the list of live casino games, or use the search function to find your favourite table!
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In this post I am going to share my experience as I start a new portfolio from 0$ and keep adding funds to it every month as I try to grow it as fast as possible
Hey everyone Happy Thanksgiving and Welcome! So, I have deposited and invested in the stock market all the money I managed to save up in the last month as I deposited 3500$ in my eToro portfolio on the 12th of November and I am already up more than 7% in just two weeks.
As my portfolio has constantly outperform the big 3 indexes the Nasdaq100, the SP500 and the Dow Jones 30 almost every day since starting my portfolio. Here is a comparison of my portfolio vs the indexes since starting as I am up over 7%. Portfolio v Index
So i wondered? Is it really bad to own more stocks? Is less > more? What is your opinion on this subject? I believe that it is way better to be invested in more companies and to add and grow your position in time as you also see how the companies evolve and you can also do some price averaging.
So here is my current portfolio composition as I split all my money equally to start, I will go into very few little details about everyone so I don’t make this a 2 hour read time.
I will start now by going alphabetically and not in the most important order as the first company that I own is BYD which is a rival company for both Tesla and NIO in the EV market as they focus on cars, new energy solutions and electronics. They are also developing a lot of commercial EV like buses, coaches and taxis which will be a great addressable market for them as they are not rivaled in those segments at the moment. The company has gone up a lot in value this year as you can see in this graph and have a Forward P/E of more than 100 but I believe this company will greatly expand its sales and be one of the leaders in the segment especially in China which is the biggest EV market. https://ibb.co/gVVwpfR / https://ibb.co/z7YBGr9
The second holding is Apple, is there anybody that doesn’t know this company? They are the biggest company in the world and they continue to expand with new products and services every day, I don’t see this company going down in the short term or the long term as they have pretty expensive at a 35 P/E but earnings are still rising especially with more subscription based income coming in with the release of the Apple One Bundle. https://ibb.co/Tm3hWMZ / https://ibb.co/Q9YjJTx / https://ibb.co/BrzkHCY
AbbVie is a health company that produces a lot of great drugs and has more than 26 million patients in over 200 countries that are treated every year. They are one of the best companies in the sector and are still down about 25% from the all time highs while only trading at a forward P/E of 8 which is very low. https://ibb.co/9nn4z0q / https://ibb.co/mXh3JL5 / https://ibb.co/cwhJgB5
AMD is a well established companies that creates high performance GPU’s for both personal computer and for data centers, the company has turned around and have started a great path to success since the newest CEO took the job in 2014 as the stock was trading at 2$ and while the company is trading at a very high forward P/E they have a lot of room to grow in this new economy as the EPS is expected to increase by more than 40% quarter over quarter https://ibb.co/dpwYPcy / https://ibb.co/7vwWHtC / https://ibb.co/yF0RmQv
Amazon is the internet retail juggernaut and cloud servicing company that has also started to expand in more and more domains like pharmacy just last week, though the company is also trading at a very high PE they have a lot of room to grow internationally and also are expanding in a lot more domains at a very fast rate. https://ibb.co/4TnGhkt / https://ibb.co/c6W2Ypx
Aphria is a Canadian company that mainly grows cannabis for medical use but has recently acquired a beverage company and is look to expand its product line, especially with the legalizing of marijuana more and more obvious in the US. They are one of the companies that stands to benefit the most from this as they are also expected to be the first to reach profitability by next year compared to Aurrora Canabis and Cannopy Growth. https://ibb.co/KrfL267 / https://ibb.co/kJ8yxDR
Broadcom is one of the biggest American semiconductor solutions provider, they are a very good play for the sector as they only trade at a forwarde P/E of 17 which is very good compared to comptetitors. https://ibb.co/8KFmX88 / https://ibb.co/q18SzPb
Everyone also knows Boeing as they are one of the biggest commercial manufacturers of jetliners, defence, space and security systems. The have suffered a lot in the last 2 years after the 737 accidents and the recent stay-at-home economy, but the ban on the plain has been lifted in the US and will be followed by the European Union soon, they have a big backlog of planes to work through while this situation will improve and air travel returns slowly in the next years. https://ibb.co/JxZYZ6D / https://ibb.co/NVbhDLQ
Alibaba is a online e-commerce giant that has expanded into cloud computing services also and stands to benefit a lot from the stay-at-home economy while also having just a forward PE of 32 which is very low compared to Amazon as they are the Chinese version of them. The company also owns Ant Group which is one of the largest fin tech companies in the world and will likely gain a lot after they finally manage to go public. https://ibb.co/0JPN6DN / https://ibb.co/6NgjGNV /
Berkshire is the child company of Warren Buffet as they are a holding company that engages in diversified business like technology, banks, insurance and much more. The company is currently trading at a very low P/E an barely above the price/book value as even the founders of the company believe this as they have continued to buy back shares of the company in the last year at the fastest rate in company history. https://ibb.co/bP6VjpM / https://ibb.co/hf5hX39
Caterpillar is one of best companies in manufacturing, construction and mining equipment. They are trading at almost 3 time sales with a high P/E but this is likely to regain momentum with the China trade war relaxing with the new Biden administration as well as the reopening of the economy https://ibb.co/pnC17PM / https://ibb.co/2vsQSjt
Chipotle Mexican is one of the best companies right now in the fast food business as they continue to innovate and have just opened they’re first digital only store. The company is trading at a very high P/E but has substantial growth potential so I believe it will be a great buy for the future. https://ibb.co/GCqd3Y9 / https://ibb.co/JnBm3bx
Costco is one of the world biggest retailers that has a great business model as they are making most of they’re money through membership fees unlike other retailers that mostly rely on prices, the are trading at just 1 times sales which is very good and they have a lot of room to grow especially with improve China relationships. https://ibb.co/X4M76Vd / https://ibb.co/ypg3Gyc
Crowdstrike is a cyber security company that has seen a huge spike due to the transition to more and more digital presence for all the companies. They are a company that I believe is here to stay and just started to become profitable in the last quarter. https://ibb.co/zNbfhL9 / https://ibb.co/mBw2TKj
Carvana is one of the best players for the second hand car market as they operate a unique e-commerce platform for people to buy, sell or finance cars. They are one of my favorite companies as they are also just starting to make money as they continue to expand they’re presence. https://ibb.co/QPZ1wnt / https://ibb.co/0rS6LrQ
CVS is a health and pharmacy companies that owns the most pharma stores in the US, the company has been hit recently by the news that Amazon is getting into pharmacy delivery but I believe they will be a great play for the vaccine distribution play as the company is only trading at a forward P/E of 8 and is trading below value of sales while also offering a dividend of 2% https://ibb.co/KNH6v5G / https://ibb.co/8Ps3QRB
Delta is one of the major airlines in the US and as I wanted to be exposed to some recovery plays I choose this company as I believe air travel will come back in the next years. The financials are not great for the company but they did manage to cut the cash burn rate in the last quarter. https://ibb.co/gyrSYYb / https://ibb.co/KsNbFHg
Deere is another great industrial and manufacturing play for the recovery stocks. The company is trading at a pretty high P/E ratio for them as the stock has runed very high in the last months but they do offer a dividend of 1% which is much better than any bank savings account and also have the potential for growth and also are a pretty reliable way to diversify portfolios. https://ibb.co/NSsCGN1 / https://ibb.co/thrY6W2
Disney is a very diversified family friend entertainment and media company as they have a lot of great business that will benefit a lot from the re-opening while this contributed a lot to the huge expansion of the streaming business with Disney+ and Hulu so the financials are not great but I believe this will hugely improve in the next couple of years. https://ibb.co/BG0jctn / https://ibb.co/7GR9h3c
Draftkings is an American daily fantasy sport operator that has expanded into the huge market of online gambling as more and more us states are legalizing gambling so they have a lot of room to grow in front of them especially with a great online presence with financials not being very important at the moment as they continue to grow they’re presence https://ibb.co/k8dtJmM / https://ibb.co/HgGQvG2
Dominos Pizza is one of the biggest pizza companies in the world and are also one of the best in implementing they’re presence in the delivery services as they are way better at this than others companies like Papa John’s. https://ibb.co/NZXkQjg / https://ibb.co/FVGXXBY
Etsy is a e-commerce platform for creative goods and services and has seen a huge rise in popularity and will probably remain a big gainer from this past year, though they are trading at over 70times earnings this will likely improve very much in the next years as they are expected to expand and improve earnings substantaly. https://ibb.co/5MN9zb7 / https://ibb.co/PYz0NWK
Ford is one of the biggest car makers in the world, I really like this company as it having a big push to move to the EV world with the Mustang Mach E, the EV Transit and the hugely anticipated EV F-150, the company is expected to have huge improvements in the next year as they have decent financials and are one of the best companies to own for a dividend investing strategy. https://ibb.co/MhwMB47 / https://ibb.co/745w8vq
Facebook is the largest social media network in the world that also owns Instagram, they have been struggling in the last months due to the political environment but I believe they will continue to be a giant in the tech sector as they are finding new ways to improve revenue streams especially in the highly active Instagram platform as they are trading at pretty much the same P/E like the other big tech companies but are expected to see a growth in advertising money as companies move to a more digital presence. https://ibb.co/SVjFGvc / https://ibb.co/T1Ds8V8
Fiverr is one of the biggest marketplaces for freelance services as this kind of gigs have hugely exploded this year, the company is trading at an insane PE but we have to see what the next quarters brings to us as it may end up being a very profitable company in the future. https://ibb.co/st03fyj / https://ibb.co/zQk3Mgp
General Elecitrc is a conglomerate that operates in many business like aviation, healthcare, renewables, digital industry finance and more, they have suffered a lot in the past decade but the CEO has managed to turn things around latetly and might put the company back on track as it is way below all time highs and even recent highs of 30$ just 4 years ago, they might get a boost from the return of the aviation business in the next years. https://ibb.co/2nTc9mh / https://ibb.co/sybXXPQ
General Motors is the other big Detroit giant that I own in my portfolio as I really like where the company is going with its big push in the EV market in the next couple of years, they are trading at a 19 PE and are in a very good position to keep growing. https://ibb.co/37hqV2C / https://ibb.co/BNp0hht
Barrick Gold is one of the biggest gold and copper mining companies in the world and I use it for some hedging as I like owning this company more than I like owning gold, as this company also provides us with dividends of more than 1% while gold doesn’t https://ibb.co/P9cVDxs / https://ibb.co/6tpfDtH
I don’t believe google needs any introductions as I believe they are still one of the best companies in the tech sector despite lagging the other faang companies this year but they have regained momentum in the last quarter and I believe they can be a catch up trade and a long-term investment https://ibb.co/JRm07vw / https://ibb.co/mT7nWC8
Goldman Sachs is a global investment bank that seems to be back on track after the company has struggled in the last couple of years and are also a great diversification play as they are trading below book value. https://ibb.co/FqmNyFF / https://ibb.co/1zkLmfx
Home depot is a big retailer that has gained a lot of traction in the last year and stands to benefit in the future from the great move to online sales. The company is trading at a 25 PE but seems to be on a huge growth bath while also having a more than 2% dividend yield. https://ibb.co/KXpDM77 / https://ibb.co/cDBxJgK
Honeywell is one of the most diversified technology and manufacturing companies in the world that stands to benefit a lot from the reopening as a lot of companies need to upgrade they’re technology systems. The company has a good dividend yield and a great profit margin. https://ibb.co/kMxjNRz / https://ibb.co/TL67SRD
Intuitive surgical is a global technology company for minimally invasive surgery. As this kinds of surgeries have been postponed they stand to benefit from the world getting back to normal. They have huge profit margins that can see they earnings soar in the next years. https://ibb.co/Lz7j8td / https://ibb.co/kXdmzhQ
Johnson & Johnson is a great company that develops medical devices, meds and consumer goods and stat to benefit a lot if they manage to create e good vaccine. They are currently trading at a PE of 22 but have huge upside and also are a great dividend paying company. https://ibb.co/FWXqpH2 / https://ibb.co/c8qQXNF
JP Morgan is a global financial giant with over 3 trillion$ in assests, the company trades at about a 33% price to book overvaluation but stands to benefit a lot in the future from the huge money pumping in the economy by the FED and the return of higher interest rates. https://ibb.co/hBvLxV5 / https://ibb.co/Jtkn90L
Coca-Cola is another company that needs no introduction and is still a great company to own with a great dividend yield that stands to benefit from a reopening economy. https://ibb.co/G9CmsgL / https://ibb.co/C2FLSGy
Lemonade is a disruptive insurance company that is still expanding its markets. They have a great business strategy and can become a very big player in the industry. The company has more than double since the IPO earlier this year so I believe this can be a great long term investment. https://ibb.co/zhjYRct / https://ibb.co/PZ23M72
Lowe’s is another great retailers similar to Home Depot that has done a great job in transitioning to online sales. I really like the company as it trades at just 20 times earnings and has a great growth rate and dividend yield. https://ibb.co/zfpyLZC / https://ibb.co/MfS6QNg
McDonalds is the biggest fast food company in the world, the company has done a terrific job this year with drive thru orders and stand to benefit even more after the reopening while also having a great dividend of more than 2% and possibility of growing delivery sales even more in the future. https://ibb.co/CBTWtJP / https://ibb.co/v1cBqQn
Mercadolibre is a e-commerce company that is the Amazon or Alibaba of South America as they operate in a lot of sectors like cars, aircrafts, real estate and more. I believe this is a great company to own if you believe in the future of e-commerce. https://ibb.co/McFrBhZ / https://ibb.co/Cw3wSSk
Isn’t it already obvious that my portfolio must have included Microsoft also? As they are a big beneficiary of cloud services and tech evolutions. This is a staple for every portfolio with great growth and a better dividend yield than any bank can offer at the moment. https://ibb.co/cvMm8Md / https://ibb.co/FnYD1Y3
As I want to be diversified and exposed to recovery play I also picked the cruise line that I think will do best in the long run. So though Norwegian have diluted they’re shares a lot during this year, I belive not all cruise lines will survive and they will eat up market share when everything goes back to normal. So I don’t really care about the financials that much at the moment as this is a very long term pick. https://ibb.co/tHDcrMY / https://ibb.co/PTqK0dj
Next Era Energy is the largest electric utility by market cap and has the world largest generator of renewable energy from wind and sun and stand to benefit a lot from a Biden administration that is why they are trading at such high multiples at the moment. The company also has an impressive yield of almost 2% https://ibb.co/xjYVMx4 / https://ibb.co/q9hjp48
I also bought NetFlix as I believe them, Disney and Roku will be some of the largest players in the streaming business as traditional TV and cinema are a dying business at the moment.The company is trading at a premium but this is due to them dumping money in high quality content to grow they’re subscriber base while they also have steadily increase subscriptions cost in the last years. I believe they will do better next quarter and will see a re-test of all time highs. https://ibb.co/VN2TF6f / https://ibb.co/B6j9zTn
I also own NIO more as a spec play to be well diversified in the EV world, I believe this is a long term investment as the stock price has gone up like bananas recently, the company will have to have perfect growth in the next couple of years to justify an increase in value as they are still losing money. https://ibb.co/MZ2NL4v / https://ibb.co/mt8f3ZR
Nike is my favorite apparel play as I believe it is the most desired my a lot of people and keeps expanding. I really like how the company is managed and I believe in them for the long-run. https://ibb.co/jw1zjgj / https://ibb.co/RYR4QSP
Nvidia is my favorite play in the semiconductor sector as they will continue to benefit from more and more personal pc sales as well as huge data center demand especially for they’re super performing products. They trade at a huge premium right now but I believe they can become the next trillion dollar company in the tech sector. https://ibb.co/kgJS0w1 / https://ibb.co/k8D1MSL
I also like owning Pepsico alongside Coca Cola as they are the two biggest players in the sector and I believe that they will both benefit a lot in the next years from the economy recovery. With pepsico offering a 2,7% dividend and a great growth path I really like owning this stock https://ibb.co/2SY4xPY / https://ibb.co/Sdt2hGC
Pinterest is an up and coming social media platform that has a great ad friendly setup and could see growth in the next years. They are trading at insane PE ratios but that should catch up to the company in the future and I believe you must own it to be well diversified. https://ibb.co/gwGFbyb / https://ibb.co/5TYz4KS
Palantir is a highly controversial name right now but its products and services are really good as they are earning more and more stamps of approval with government contracts while also expanding to commercial use. Financial info is not that good as the company barely reported they’re first earnings after the IPO. https://ibb.co/fdQ42gc / https://ibb.co/wyTJSG2
PayPal is another great company that will do very well in the future as payments transition to a more digital approach and the company is transitioning to allow cryptocurrencies as well which will attract even more users. They have had a greet increase in revenue and eps in the last quarters and I expect that to continue to grow. https://ibb.co/9tXxhJZ / https://ibb.co/M5vCynn
Qualcomm is my favorite 5G play alongside apple as this will be a long cycle of upgrades for the communications services that will benefit them a lot.They are trading at an PE of over 30 but have great revenue and EPS growth while also offering an almost 2% dividend yield. https://ibb.co/NFsnKqW / https://ibb.co/x5sJLW6
Roku is a great play for the hardware and subscription based services for digital media players and has huge tailwinds that will benefit them while the old TV cycle is dying. They have had a huge year over year revenue growth and subscribers growth that has passed the 40 million mark for the first time recently. https://ibb.co/Fqd7sYP / https://ibb.co/ccKqzkC
While SunRun is another great play for the new Biden administration as well as the transitioning to more renewable energy as they may see a huge boost in revenue growth and earnings with more money being pumped into the renewable sector. https://ibb.co/0jr3TRg / https://ibb.co/NmdSdwP
Everyone also knows Starbucks, as I expect them to be a huge gainer on a improved US-China relationship so despite suffering a lot from this economy the stock is still up more than 16% in the last year while revenues have declined, expect this to bounce back by 2021-2022. https://ibb.co/s5nTzQX / https://ibb.co/fDyhvX3
Shopify is a multinational e-commerce cloud based platform for merchants like small and medium sized business so that can easily have an online store that they can manage payments for, orders inventory and much more. The company is trading at P/E’s that are crazy but the revenue and EPS growth is also amazing and has the potential for a lot more growth as the world is going more and more digital. https://ibb.co/6nt4GhC / https://ibb.co/QbFhybt
Store capital is a real estate investment trust that focuses on single tenant commercial real estate so they can negotiate much better rents and collections than other REIT. They are still more than 8$ under the highs and are a great diversification and yield giving stock to own. https://ibb.co/XzBY41g / https://ibb.co/TrGRZpR
AT&T is one of the largest providers in the us and seems to be getting back on track after they have struggled in the past decade, they trade at only 8 times forward P/E and have one of the best dividend yields at more than 7% so I believe this is a must have staple in your portfolio that brings stability and cash flow. https://ibb.co/cYcfYMm / https://ibb.co/8D3NzZr
While Target has been doing some amazing things as they operate as a general merchandise retailers and are doing some amazing things with online sales, they currently have seen a spike in the last months and are trading at a p/e of over 22 but I see them as a long term winner that offers both growth and value with a dividend yield of 1,5%. https://ibb.co/Fzd8TMw / https://ibb.co/NLnw4Lv
While the other communication provider that I like is T-Mobile US which has seen a huge spike in user growth and are poised to do a lot of great things with the 5G cycle, they trade at a very high multiple for this sector but the growth expectations are huge for this company. https://ibb.co/PCDFD38 / https://ibb.co/BTSzTMp
Moving on, one of the biggest gainers this year, TESLA is also one of my favorite companies to own as they continue to expand the products they offer and improve margins on vehicle, they are also expanding into more and more services, while manufacturing is growing exponentialy. They trade at insane P/E’s but they have just managed to be included in the SP500 so this may bring some stability to the stock as the company continues to grow in the next decade.https://ibb.co/6rNJf6q / https://ibb.co/CWN6wD4
Visa is the biggest global payments technology company and is expected to continue to grow as more people start using cashless payment options, they are a great growth and value company for the future as cash payments is a dying proposition worldwide. https://ibb.co/CVXgZD9 / https://ibb.co/BPKxFfZ
Wal-Mart, the biggest employer in the US continues to do amazing stuff as they continue to expand they’re online presence and compete with Amazon as they trade at a 23 P/E and also offer a dividend yield. they are a great play alongside with Amazon which trades at much higher valuations. https://ibb.co/Sr9s83J / https://ibb.co/0CvZKkD
Wynn is another great recovery stock that I like as recently we found out that foot traffic in Macau has ramped up, this bolds well for the company as they will be one of the biggest gainers on the reopening. So if you are a long term investor you should get into this stock I believe. https://ibb.co/6rk2qNQ / https://ibb.co/mC35VPr
Zoom is the one company that I will be selling in the next couple of days. I know they are one of the best video conferencing apps out there, but I believe they will have a lot of problem due to a number of free apps that also offer great quality while the company is trading at insane p/e numbers. I know this trend is here to stay, but I thing there are far better play in the stock market out there rather than Zoom at this price point. https://ibb.co/T1tStb8 / https://ibb.co/rmxh0x3
I know I didn’t get into in-depth stuff, technical analysis, fundamentals and more but I will continue go more in depth with this stocks as time goes on.
So here how I want to make my portfolio look like when I have enough money to open all the positions. TARGETED PORTFOLIo
As you can see a quarter of my portfolio will be invested in high quality companies that are pretty safe in my opinion. While over 45% of the portfolio will go to companies that I really like, that have a pretty low risk in my opinion and can offer great returns in the future. While I will also use about 22% of my portfolio into more risky companies that can bring very good profits for the portfolio but in my opinion are not as safe as the others.
And finally I will invest about 7% of my portfolio into more speculative stocks or hedge stocks like Barrick Gold and Goldman Sachs. I don’t want to keep money on the sidelines at the moment as I expect the stock market will keep rising for a couple of years at a rapid pace due to the recovery of the economy.
Thank you everyone for reading! Hope you enjoyed the content!
Be sure to leave a comment down below with your opinion on the matter of more or less stocks and other thoughts on the stock market!
Have a great Thanksgiving and see you next time!