Hey everyone, I’ve been tracking Apple (AAPL) for a while now — it’s currently trading in the higher $190s. Given its strong brand, consistent cash flow, and dominant market position, it’s clearly a great business. But from a value investing standpoint, the current price seems pretty rich, especially when factoring in growth slowing in key segments and increasing competition.

I’m trying to identify a reasonable margin of safety before initiating a position. What are your thoughts on a fair intrinsic value for Apple? What’s your target buy price, and what valuation method are you using (DCF, multiples, etc.)? Would love to hear some perspectives.

AAPL is currently at $125 as I type this post. P/E of around 20. For the long run (8-10 years), should I just keep putting part of my paycheck into this stock? I'm 24, so I'm not super keen on playing it 100% safe. Are you guys investing in this company or staying away? If you are staying away, why?

I am 40 years old. I have around $1.1 million in net worth but what worries me a little bit is that I have a bit more than $100,000 in Apple stock, I have had it for a long time, actually looking at the price I paid about 60% of what is worth now, so my question is should I sell all that Apple stock and move it to just an indexed fund or just keep it there for I don’t know how long?

It’s worth mentioning that my net worth is mostly invested in indexed funds, I rent (not in the us so rent is very cheap, I’m citizen so taxes apply) not planning on retirement right now or to actually sell any of that for at the very least five more years.

So question is, do I just keep it forget about it or sell it and just buy index funds with that money, or when.

Edit, this is more less the breakdown:

I have 730k in VOO about 480 of those in brokerage and 250 in retirement rollover, 235 in fxaix in current employer retirement and about 70k in cash that I’m planning to put into VOO eventually, because i have no imagination.