StockClubs

We are running a live Q&A with Marcel Miu, this Friday. Marcel is a Certified Financial Planner (CFP), specializing in equity compensation and providing financial advice to busy tech professionals. He’ll be joining us to answer questions, both live and those submitted online. Whether you have a personal finance question or just want to listen to the discussion, this is a great learning opportunity. It's a free session. Please join us—we'll be glad to see you! Sign up link in the comments.

Last month our team did a pilot test for the financial assistant we are working on. We worked with a small group to help them set their financial goals, create projections and construct their portfolio using modern portfolio theory. Through this process, we frequently discussed foundational financial concepts that we believe are important for everyone to understand. To support our community financial literacy, we are organizing a learning session this Friday to cover these topics: ? Financial goals and why separating them is important ? Why your retirement fund should go to 0 at life expectancy age ? How to approach building and forecasting your child fund ? Why cash flow projections are a better than the 4% rule ? How to manage risk in the investment portfolio Please join our discussion this Friday, June 21st at 12pm PT / 3pm ET. Sign Up: https://lnkd.in/gsrEdmyv

Sasi Kanth, CFA is joining us this Friday as a guest speaker to talk about central banks and their role in regulating the money supply within the economy. Sasi works in the Asset Management and FinTech industries. He implements financial models for capital allocation strategies at investment and corporate treasury teams. His experience includes Franklin Templeton, Stripe, and Cache. In his personal time, Sasi runs a finance education club and teaches the basics of finance. Sign up: https://lnkd.in/gsrEdmyv

We are meeting this Friday, May 17th at 12pm PT / 3pm ET Join us to learn how to read quarterly and annual reports of publicly traded companies. Using GOOG as an example, we'll explore 10Q and 10K forms and review the three main accounting statements: Balance Sheet, Income Statement, and Cash Flow Statement. Discover why EPS is a poor metric for business valuation and why analysts prefer EBITDA and free cash flow. If time permits, we'll also discuss how companies can inflate their earnings with real examples. Sign up link in the app (Main Feed)

We are meeting this Friday, May 10th @ 12pm PT, to talk about Equity Compensation in Startups. This week we have a guest speaker Marcel Miu, joining us. Marcel is a Certified Financial Planner. He runs his own practice Simplify Wealth Planning and advises clients on Equity Compensation and Financial Planning. Marcel is joining us to answer your questions and talk about typical mistakes people make when dealing with equity compensation. In this session, you'll learn about: ? Fair Market Value (FMV) ? 409a valuation ? 83b election ? RSA, ISO/NSO Stock Options, RSU Sign up: https://lnkd.in/gWz3EPYJ

When we started our investment community, we noticed that many people felt like they're falling behind compared to others. This comes up a lot when we talk about investing, but it's the same for career progression, relationships and life experiences. Sometimes, we might think our friends are doing better than us - they seem happier, more successful, and making more money. But the truth is, people like to brag about their wins, while keeping their setbacks under wraps. It's normal, but it can make us feel like we're not doing well enough. This feeling can lead to a sense of urgency to catch up. In the context of investing, it often results in risky investment decisions that lead then to real losses. To help with that, we regularly publish aggregated data for our investing community to let people see more objective data and understand their performance compared to their peers. Below is the data for May 4, 2024

Hi Everyone, This week, our learning session is about early-stage and angel investing. We'll discuss SAFE (Simple Agreement for Future Equity) – a tool commonly used by early-stage companies to raise funds from angels and early-stage (pre-seed) VCs. We'll cover the technical details of SAFEs and explore how you can avoid financial mistakes if you're considering investing in a startup. Our agenda: ? Convertible Notes vs SAFE ? What is Valuation Cap and Discount in SAFE ? Post-Money vs Pre-Money SAFE ? What is the Market for SAFEs today? ? Conversion during a financing round ? Liquidation preferences ? Optional provisions: MFN, Pro Rata Rule Please join us this Friday April 26th @ 12pm PT / 3pm ET Sign up: https://lnkd.in/dM-e2pHb

We are organizing a learning session for our investment community. We'll discuss Risk/Return trade-offs, the Efficient Frontier, Black-Litterman Model, Monte Carlo simulation, and how you can construct your investment portfolio and decide what to do with RSU if you have multiple financial goals with different timelines. This is an intermediate/advanced session, but we talk in simple terms. Join us this Friday April 19th @ 12pm PT / 3pm ET Sign up here: https://stockclubs.com

The most recent Googlers & Xooglers aggregated stats are out! Googlers lost less money last week than the S&P 500, but there is an issue - diversification. GOOG represents more than 14% of the aggregated portfolio in the group. When we reach this level, it's important to understand risks and ensure we can accomplish our goals if GOOG decides to follow the GE path back in 2001. What to do with RSUs? One way to make a decision about RSUs might be using Modern Portfolio Theory (MPT). This Friday, April 19th @ 12pm PT / 3pm ET, we are organizing a learning session to talk about Modern Portfolio Theory. We'll discuss Risk/Return trade-offs, the Efficient Frontier, Black-Litterman Model, Monte Carlo simulation, and how you can construct your portfolio if you have multiple financial goals with different timelines. Speakers: ? Simone Qu. Simone is the co-founder at StockClubs. Previously, she worked at Goldman Sachs on the Fundamental Equity team, assisting fund managers with portfolio construction, risk management, and alpha signal research. Before joining Goldman, Simone worked at Nomura Securities, performing risk analysis of mortgage-backed securities. Simone holds a Ph.D. from Purdue University in Statistics. ? Alex Sukhanov. Alex is the co-founder & CEO at StockClubs. Alex is leading the team building an AI financial advisor for people working in tech. Join us this Friday and learn more about MPT. Sign up: https://lnkd.in/gWz3EPYJ

If you find yourself stressed about potentially losing your job in a large tech company, here are a couple of things you might want to consider: Large tech companies overhired during the pandemic. It was a mistake made by executives ??. Now, they are looking to reduce their workforce, and there is nothing wrong with you if you are affected by layoffs. If you are affected, instead of rushing to get back into big tech as quickly as possible, look around and explore if there are interesting opportunities in early-stage companies. These often offer better opportunities for professional and career growth. And equity in such companies tends to grow at much faster rates than in large public companies. Among companies with annual revenues of $100M+ in the United States, around 86% are private companies. Many engineers, products and marketers who previously worked in large tech companies are now transitioning to roles in early-stage startups or launching their own ventures. ?? Join us this Friday at 12pm PT / 3pm ET to learn how equity compensation works in private companies and what you can do to avoid costly mistakes when it comes to working with early stage and private companies. We'll cover topics such as FMV (Fair Market Value), 409a valuation, 83b election, RSA & RSU, double trigger RSUs, Stock Options (ISO vs NSO), early exercise option, and how taxation works. We'll also discuss how you can evaluate an offer, negotiate your equity compensation in a private company.?? We are organizing this event for members of the StockClubs community. To get a signup link, scan this QR code and install the app.