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S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

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Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#261

Post by chasd00 »

inigyou wrote: post #251
someuser54541 wrote: post #117

Earlier quoted context omitted.

What's the best way to hedge against this, considering many of us have significant savings in the market? A few puts on SPY dated a year or two out?

Just sell all your ETFs and buy them again when the market goes up or down. You're very likely to lose money with options and you will definitely lose a lot of money if you buy enough options to hedge your full exposure.

unless you're doing this in an IRA or your 401k remember the IRS wants its cut of any gains you may lock in. That's a painful check to write let me tell you.

Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#262

Post by baq »

marojejian wrote: post #207
pid-1 wrote: post #171

Earlier quoted context omitted.

Hold short term debt (e.g money market funds or SOFR ETFs). Then you will have cash in hand if either stocks fall or yelds raise. Never buy derivatives as a non institutional investor.

Why should a retail investor never buy derivatives? spreads?

It’s scaremongering, you can learn all this stuff.

However! If you don’t want to learn and want to get rich quick instead, stay away.

Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#263

Post by jorl17 »

LaurensBER wrote: post #38
chasil wrote: post #26

And they terminated 30k employees to achieve this? https://www.forbes.com/sites/jonmarkman/2026/04/06/oracles-m...

When we tried to do a pilot with their cloud we couldn't even sign-up. None of the corporate credit cards were accepted. In addition to that the form basically only worked in Edge. We emailed support, they changed something on the backend. It still did not work. We gave up. In retrospective that was a very clear warning sign that their priorities were misguided. I'm glad we did not waste any further time and effort o…

Every couple of years I try Oracle Cloud and nothing ever really works. It feels like it was built by people who literally cannot see the final result of what they work on. Signing up, adding cards, clicking links in e-mails -- nothing worked! Nothing has ever reliably worked!

I hate Oracle with a passion for everything they've done throughout the years, I hope they burn in hell. Of course I don't want that for most of the people working there, but those making the decisions? Kindly go the way of your cloud and vanish from relevance.

Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#264

Post by fhdkweig »

chasd00 wrote: post #246
fhdkweig wrote: post #212

Earlier quoted context omitted.

I moved 80% of my money out of Vanguard's Target Date Retirement funds and into a money market on June 1st. In the 1.5 months since, the remaining Target Date Retirement fund has fluctuated up and down by about 0.1%. It has basically plateaued. I don't think I am losing out on potential short term gains. I like the idea that I have cash available to buy in on the day of the crash.

> I moved 80% of my money out of Vanguard's Target Date Retirement funds which target date fund exactly? You can increase risk/reward buy choosing a target date fund far in the future or you can reduce risk/reward by choosing a target date fund closer to the present. The point of those funds is to gradually reduce your risk as you get closer to your planned retirement date. I moved my 401k into a target date fund abo…

2045. When they hit their target date, they are still exposed about 50% to stocks, which is more than I want right now.

https://workplace.vanguard.com/investments/product-details/f...

You want to search for the chart at "Allocation to underlying funds (actual)"

Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#265

Post by inigyou »

jr3592 wrote: post #258
inigyou wrote: post #251

Earlier quoted context omitted.

Just sell all your ETFs and buy them again when the market goes up or down. You're very likely to lose money with options and you will definitely lose a lot of money if you buy enough options to hedge your full exposure.

And risk missing out on the gains in the market that can and likely will happen between then and now. Most researchers have shown that attempting to play the market is likely to fail in the end. Set it and forget it. Ride the wave.

You will definitely lose less in opportunity cost than the actual cost of hedging your position, because hedging is extremely expensive and cancels out almost all gains. If it was cheap, everyone would do it.

Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#266

Post by chasd00 »

therobots927 wrote: post #23

This is surprising to me. Judging by what appears to be the common sentiment here on HN - which is that AI inference is already profitable, and OpenAI is fairly valued by private markets. Given that Oracle and Microsoft are major counterparties of OpenAI, it seems odd that their stocks have been performing so poorly recently. Can anyone square this circle for me?

it is isn't enough for inference to be profitable, the whole organization has to be profitable enough to keep investors from looking elsewhere for a return.

Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#267

Post by saturn8601 »

tialaramex wrote: post #244
platevoltage wrote: post #121

Earlier quoted context omitted.

The Republican strategy has moved away from swaying public opinion for a while now. Now their strategy is to manipulate voting maps, intimidate voters and suppress votes in areas likely to vote against them. The Iran war is unpopular, but they did it anyway.

It doesn't matter anyway. The US is done. The empire's peak was towards the end of last century. That's one reason the nostalgia play works so well. A Trump supporter in 2026 can see that their past looks better than their future, they're just wrong to imagine that they can do anything about that. I think it's interesting to analyse Xi, who unlike Trump is aware that the US is failing and that most likely China will…

The UK empire is considered by many to have ended in 1947 with the independence of India. Others say it was finally finished in 1997 with Hong Kong. Either way the UK is still around and while things aren't rosy, they still trudge along and will continue to do so.

Meanwhile the US's "supposed upcoming ending" puts them in a better position than the UK was in many different categories. It still has massive resources, amazing talent and a citizenry with an "ambitious" can do attitude vs the "tall poppy syndrome" of the UK. Its difficult to argue that there is an exact end date thats occurring now. To say its all over and that there isn't a second story coming seems premature.

Re China: This is a country that has overexpanded in infrastructure which will come home to roost sooner or later, has a terrible demographic structural collapse looming with no realistic way to correct(unlike the US which has options to correct), has overinvested in so many industries that they are experiencing massive (25%) youth unemployment with deflation occurring. They have serious problems coming in the next few decades.

Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#268

Post by CamperBob2 »

nsagent wrote: post #179
arielcostas wrote: post #149

Earlier quoted context omitted.

Wouldn't it be wiser to get out of the market into fixed rate assets like government bonds? Maybe have some into puts on SPY (or QQQ since tech would probably have bigger losses) too, but mainly getting out of long positions on what seems a really overvalued stock market

Wouldn't it be wiser to get out of the market into fixed rate assets like government bonds? I did that earlier this year ahead of the April earnings reports. I was a bit too early to the punch, but I prefer that versus being too late. I just hope the companies aren't considered too big to fail. Bailing them out would be a bad idea. https://www.openmarketsinstitute.org/publications/no-bailout...

I just hope the companies aren't considered too big to fail. Bailing them out would be a bad idea.

They will be. When the SHTF, you'll see Rubio in the room^H^H^H^H circus tent, sitting right next to Bessent, arguing that propping up OpenAI is as much a national security interest as bailing out GM was.

Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#269

Post by kazinator »

simoncion wrote: post #239
kazinator wrote: post #205

Earlier quoted context omitted.

It would be great if they open sourced the proprietary bits in the VirtualBox suite before that.

Other than having a nice management UI, what does Virtualbox do that qemu doesn't these days?

Run your years-old VirtualBox images? If I were to guess; maybe QEMU does that too.

Re: S&P Global has lowered Oracle’s creditworthiness from BBB to BBB-

#270

Post by BeetleB »

fhdkweig wrote: post #212
pid-1 wrote: post #171

Earlier quoted context omitted.

Hold short term debt (e.g money market funds or SOFR ETFs). Then you will have cash in hand if either stocks fall or yelds raise. Never buy derivatives as a non institutional investor.

I moved 80% of my money out of Vanguard's Target Date Retirement funds and into a money market on June 1st. In the 1.5 months since, the remaining Target Date Retirement fund has fluctuated up and down by about 0.1%. It has basically plateaued. I don't think I am losing out on potential short term gains. I like the idea that I have cash available to buy in on the day of the crash.

Honest question: Do you expect the AI crash to have a bigger impact on the economy than a global pandemic that shut everything down did?
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