V
VISA Inc.
stock NYSE

V,Ma are no longer accepted in Europe, they got their own payment system , and they will refund your money back the same day.

V, MA, AXP, MSFT

O isn't a bad hold, but I believe other funds work better for 30 year olds who don't really need the income right now. It's taxed as normal income, like most other real estate trusts. Depending on your career, those could be taxed at a much higher than long term capital gains, putting a tax drag on your portfolio over the years.
What you really need to be looking into is dividend cagr. At 34, you're decades away from traditional retirement. You'd do better holding better growers with much higher div cagr. Both V & MA, for example, have dividend cagrs in the teens. The dividends are only around 0.6-0.8%. That compounding really adds up over time. I just mentioned those two, because I personally just added them to my positions. SCHD's dividends are fully qualified and the fund has an 11% dividend cagr since its inception. DGRO & VIG are other good compounders but with lower yield.

I've been thinking about this a lot lately because I'm building a tool that monitors exactly these kinds of fundamental differences between similar companies. When you're trying to decide between V and MA, the surface metrics look almost identical (both trade around 33-35x P/E, both have fortress balance sheets, both benefit from the shift to digital payments).
The real edge comes from tracking the stuff that changes weekly, stuff like insider transactions, unusual institutional moves, sentiment shifts on earnings calls, or sector rotation patterns that favor one over the other. Most retail investors (myself included until recently) just don't have time to monitor that signal across holdings. I'm building a daily briefing that does this automatically and connects to your actual brokerage, building a waitlist here if you're curious: [link](https://personal-investment-agent-landing-p.vercel.app/)

V/MA will be replaced in many countries within 5y

Yea it's been tough, but I am not motivated to sell. The Citrini piece that's making the rounds called out the stablecoin threat, along with the possibility that if a lot of commerce moves to agent-driven, it will accelerate that shift. I think that has exacerbated the selloff that was already ongoing with the larger market downtrend.

My thought is it's just too early to really know what the far future of these companies will look like, and V/MA are still reporting strong earnings, and they have an incredibly strong moat by way of all the complex banking and payments relationships and regulations that exist today, which prevent novel payment methods from succeeding without serious lobbying ability.
Nothing has materially changed in their business yet, only sentiment and discussion of possibilities. If you subscribe to the Buffet/Graham method of value investing, I think the best move is to continue to hold for the long-term. That is what I'm doing, NFA ofc.

This is not very diversified for the long term, unless you are not mentioning other assets. No bonds? No real estate? No precious metals? No stock diversity ( I am referring to the V in VT). At age 36 you have 50 or 60 years left, assuming AI does not help extend life . A LOT can and will happen over that time.
What happens WHEN your stock portfolio drops by 60, 70, or 80% ? What happens WHEN hyperinflation hits a major currency? What happens WHEN you have to leave one of the countries you are in or WHEN tax laws change to take all your money?
"WHEN" is in caps because over 60 years these things WILL happen at least once.
You are young and have not experienced any financially challenging times. You think the stock market is really going to keep growing like it has in the past 15 years (I assume you were not investing before age 21)? You think the low inflation we experienced this century will continue? You think governments will be able or willing to bail out Vanguard when the next financial crisis hits?
But, since we are in the dividend reddit, go with a NEOS fund, VT, and SGOV(or local equivalent). You will have to keep an eye on NEOS funds but for now they pay well. Buy enough to fund your lifestyle. VT has the risks I mentioned but is standard for long term growth. The short term bond fund, like SGOV, is good to keep cash in.

here comes the QQQ V

Forward P/E is much lower on V / MA and profit margin much higher. Some internet chatter sent them lower. But they look like a buy on any metric.

you're paying for comfort in consensus
nobody except perma contrarians is bearish on V/MA
but they're also priced as such
same as COST, WMT

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My favourite two questions....
1. Would you sell this to your grandmother?
2. Would this fall under the scrutiny of your fiduciary duty? In particular the best interests of the beneficiary, avoiding conflicts of interest and self-dealing. And are you willing to have to explain this to the Office of the Superintendent of Financial Institutions, the Financial Consumer Agency of Canada and Canadian Investment Regulatory Organization, which all regulate such practices?
Generally, this is where they realize that this is a lot more trouble than it's worth. Because anything they say can be scrutinized... and should be.
For a person who really knows NOTHING, the best choice is often the robo-advisor, if they don't want to handle it themselves. Questwealth portfolios basically charge 0.25% for up to $100K and then go down to .20%. For example, a small portfolio would be holding percentages of CASH, ZCN, XQQ, ICF, SPTM, XEF and XEMC at the moment with MERs from .03% up to .39%.

If they do want to handle it themselves but don't want to do all the research involved, they are often best off just buying ZEQT, VEQT, XEQT etc. If they don't want to have it all in equity, then the same products are offered with 20% income ?GRO, 40% income ?BAL, 60% income ?CNS and 80% income ?INC. (Where ? is Z, V, X, H or even T)

that morning V was for the records (and so were the 73 other Vs this year)

V

they're calling it the most flaccid V of all time

that V should be illegal

$INVR just plugged into digital homebuying.
Ownly using Inverite’s Instant Bank Verification for real time income + affordability checks. That’s AI credit infrastructure moving into housing workflows.
Vertical expansion. Real integration.
$INVR $INVRF $V $MA

Watch out for V shaped recoveries too, just because we’ve had the so far doesn’t mean they’ll continue.
If you run a GA on 2008-2026 data it’ll want to keep proposing fast recovery portfolios that are fragile outside of a V shaped recovery.

Would be so funny to… fake dump and then master V Shrek for the 30th day in a row then theta for rest of the day

There are V's everywhere, probably gonna V today