Friday | July 27 | 2018


The UniFi team is feelin frisky...err, we meant risky...

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*Market indexes are the value of certain stocks which represent the overall stock market. Learn more here.*

S&P 500  (Standard’s & Poor 500 ): Made up of the 500 most widely-traded stocks in the U.S. -8.63 (-0.30%)

This week is earnings week, where companies report on how they performed last quarter. Facebook stole the spotlight when their stock fell (~20%) overnight. The drop bumped Zuckerberg from the third richest human in the world to the sixth. Poor guy.


The Papa John’s founder debacle just turned toxic. Founder John Schnattner, ole’ Papa John himself, resigned earlier this month after admitting he used the n-word on a conference call in May. Days later he said the resignation was a mistake, and vowed to fight for control of the company. “Sorry-No taksies backsies,” said the board. Now they’re worried Schnattner will attempt a hostile takeover, buying up more than 50% of the shares of the company, which would effectively give him control. Since he already owns 29% of the shares, he doesn’t have too far to go. To prevent this, the board is implementing a shareholder rights program, commonly called a poison pill. These programs make it easier and cheaper for existing shareholders to buy more stocks, which makes it harder and less profitable for whoever is attempting the takeover. We’ll see if it’s enough to keep Papa J away from his beloved pizza chain.

Hedge funds are getting trimmed. These are special investment funds that you can only invest in if you’re a certified investor or institution because they are particularly risky. They took a big hit (like $6 bill) this week with the fall of Facebook’s stock, but people were pulling billions of their dollars out of hedge funds even before this week. Why? In addition to performing poorly, hedge funds are expensive. Investors pay a flat fee on the money they put in, even if the hedge fund is losing money (how do you like them apples?). If investors make a profit, they also have to pay a profit fee, typically 20% of any money they make. With $3.24 trillion worth of assets still in hedge funds, their green isn't fully gone yet.

*Do you have money tricks to add to the pile? Drop us a line.*

Alex, a member of the UniFi family, is always looking for ways to save money. He uses honey, a browser extension that automatically finds and applies coupon codes at every online checkout, to ensure he's always getting the best deal possible. We're with ya Alex, honey bear.



Investment risk: How likely it is that you will lose money on an investment.

Today we dive into some big things you should know about risk if you’re starting to invest:

1. Risk isn’t bad: Keeping your money safe is good…right? Kind of. You need to be taking some risks to be financially healthy. Playing it too safe is like staying at the ski lodge because you’re afraid of getting hurt on the slopes - it’s a big missed opportunity! So don’t try to avoid all risk - think instead about what level of risk is right for you.

2. Investments range in risk level: A U.S. treasury bond or savings account is a low risk place for your money because it’s backed by the U.S. government. Investing in early stage startups (hey, guys!) is high risk because there’s a 90% chance the startup will fail. Most investments fall somewhere between these two extremes.

3. The bigger the risk, the bigger the potential reward: And vice versa. Those U.S. Treasury bonds will only make you back about 3% in interest. But that early stage startup, if it succeeds, could double or triple (or more!) your money. Don’t get carried away though - startups are probably a little riskier than you should go for unless you’re already super financially stable.

4. Take bigger risks when you’re young: In your 20s and 30s is a great time to make riskier investments. If they succeed, you could make a lot of money. If they fail, you have time to rebound. As you get towards retirement, it’s time to pull back towards more stable investments (with lower returns).

5. Diversity is key: To help protect you from risk, you should have a diverse portfolio. That means several different kinds of investments with varying levels of risk. That way if one part of the market suffers, you still have money stored up in other places. Part of the reason people buy index funds is because they already contain a bunch of different stocks, which makes them a safer investment than buying stock from a single company.

6. Don't get jumpy: Investing is a long game. If your 401(k) loses money in a single day, or your stocks lose value, there’s a good chance they’ll jump back up tomorrow. So don’t freak out and sell or switch investments right away - be patient. Long term trends are much more important for making money in investing than daily rises and falls in the market.

*This section is not sponsored by any third parties. These are our pure, honest opinions on what we think is easy and works best!*

While there are good rules of thumb for risk, a lot comes down to personal preference. Check out this tool to help you think through your approach to risk.

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