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Weekly Finance Thread - 2026-07-25

A weekly thread to discuss financial matters - from personal all the way up to global.

Ground Rules

  • Remember that we're all just Internet randos. Don't bet your life savings on a hot tip from this thread.
  • Keep culture war in the culture war thread. Yes, global events may impact our personal finances, but that does not mean we have to incessantly harp on culture war aspects here. If you are going to discuss it, please stick to the practical impacts of it on an individual level.
  • Be kind. Remember that everyone here comes from different circumstances. We all have different resources available and different risk tolerances.
  • Don't let the perfect be the enemy of the good. Better is better. Celebrate people when they take a step up and work to move their finances in the right direction. Don't flame out because they haven't followed what you consider the optimal path. Everybody has to start somewhere.
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My, current, assessment is that putting effort into learning technical analysis will not have any additional benefit to my investing returns.

Not only the lack of additional benefit, giving technical analysis a go would actually likely detract from your investment returns.

Stick to the gender posting, you're much more well-read in that subject.

Telling people NOT to understand charts is insane, and harmful to newcomers.

You are allowed to express opinions, other people are allowed to express opinions about your opinions, and whether or not technical analysis is beneficial or not is arguable enough that you are in no position to tell someone "not to tell people" this.

You've been warned repeatedly for the kind of low-effort eye-poking antagonism that constitutes the majority of your posts. Even your posts that don't get reports are mostly like this.

Your next warning will not be a warning.

You might be surprised what others are well-read about—and/or experienced in—beyond the fun or "fun" topics like gender.

And the mainstream, majority modern view among the well-read/experienced, such as financial academics, investment professionals, and genre-savvy amateur long-term investors, is that chartistry does not reliably outperform the market (but it can reliably underperform the market due to transaction and opportunity costs, loss of diversification if trading individual stocks), although some amateur retail traders with delusions of grandeur and a minority holdout of investment professionals may disagree.

Such as outlined by @reo above, it's not a coincidence that technical analysis is regarded the weakest of the three information types between technical analysis, fundamental analysis, and insider knowledge, where the majority view among academics is that fundamental analysis cannot reliably generate outperformance over the market (much less technical analysis).

People can understand charts all right; I imagine most Mottizens have been able to read line graphs since before they hit puberty, so no need for advice there. Telling people to use charts as tea leaves to make investment decisions, however, would better fit the description of "insane" and "harmful." Don't be salty that most of the well-read don't share your belief in male astrology.