Investing is growing money over a longer time frame. When appropriate a specific tag like stocks, mutual funds etc should additionally be used.

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1answer
44 views

Is it smart to take OSAP student loan right now?

I am going to grad school in Canada this September and have a chance to borrow ~$15000 at a rate of prime+1% (provincial loan) and prime+2.5% (federal). I would guess the 15000 is split 50-50 between ...
-2
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0answers
48 views

Will work for donations [closed]

We are beginning our meetings in 3 weeks for our youth ministry and haven't gotten one donation so my husband and I are offering to do work for donations for the youth ministry anything for the kids ...
4
votes
1answer
55 views

How will a limit order be executed when the stock market opens if there is a large change from the price of the day before?

Maybe a dumb question, but I'm just learning. So news and after/pre market trading all help to determine what the price will be for a stock when it opens, but does this affect all orders the same? ...
-1
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1answer
51 views

Can a stable value fund contain equities?

Can a stable value fund legally contain equities? I understand that the insurance premiums would be very high, and because most stable value funds are provided by insurance companies it would be ...
0
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1answer
74 views

Low Fee Income Generating Investments for a Trust

I am looking for a low-cost / low fee investment strategy for a modest ($75K) trust. I am only allowed to distribute the income of the trust to the beneficiary and cannot dip into the trust's corpus (...
5
votes
6answers
3k views

Conservative ways to save for retirement?

I was just wondering if there were any conservative ways to save for retirement. I am currently 24 years old and I started my first salaried job out of college a month ago. I am extremely conservative ...
0
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0answers
54 views

Calculation of after-tax return of S&P 500

I'm not sure whether I'm understanding taxation on dividends correctly. The average dividends (twice a year) of S&P 500 for the last several years is roughly 2%, and the average annual return for ...
0
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0answers
90 views

How to save money by minimizing spending? [closed]

What are the best ways to maximize savings for the purpose of maximizing investment with the following parameters: Above Average Earner, but not C-suit level Single Young Be specific.
-2
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2answers
104 views

Advice on what to do with my equity?

I just turned 27. I have a wife and 2 kids. I have owned my home for about 3 years and with the housing marking my house is now worth about 50k more than owed. My realtor says I should end up with ...
11
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3answers
446 views

$700 guaranteed to not be touched for 15 years+, should I put it anywhere other than a savings account?

My daughter's piggy-bank was recently broken, and so we took the opportunity to count up the money saved, and put it away. We have an on-going account that we put money into every paycheck through an ...
5
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7answers
477 views

Are stories of turning a few thousands into millions by trading stocks real?

I've seen stories on the internet, people got rich from only a few thousands by trading stocks. I've seen some trading academies claim offering courses that can help you to make a living by just ...
4
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2answers
1k views

“Rule of 72” For Higher Multiples?

The rule of 72 states that if I earn n% interest, I can divide 72 by n and get the approximate number of years that I'll double my money. Suppose that I wanted to find out how many years to quadruple ...
6
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4answers
364 views

How can I buy and sell the same stock on the same day?

In the United States, Is it possible to buy and sell the same stock on the same day? I heard day traders can do this, and you need to have at minimum of 25K in the account in order to be a day trader. ...
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1answer
12 views

Custodial account restrictions and limitations

Does anyone know the limitations to a custodial brokerage account? Options Short selling ???
3
votes
1answer
61 views

What does “DM currencies” mean in this context?

"Key drivers include: Low/negative real rates. the view that the dollar has peaked against DM currencies lingering macro risks." source: http://www.businessinsider.com/ubs-note-on-golds-new-phase-...
0
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1answer
99 views

Can you depreciate real estate that has previously been fully depreciated?

If you buy a property that is 39 years old and has already been fully depreciated, can you depreciate it again, for another 39 years upon your purchase?
10
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1answer
1k views

In what ways can a public company ask for money?

I'm just curious, what are the ways that a publicly traded company can ask for more money? Do they just sell shares of their company stock they own themselves, or do they issue more bonds? Are there ...
16
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5answers
4k views

New company doesn't allow 401k deposits for 6 months, what to do with money I used to deposit?

I plan on taking a new job that does not allow employee 401k contributions for the first 6 months. I am used to maxing out my 401k, and this seems like a dangerous amount of money that I don't want ...
3
votes
1answer
75 views

Are thematic ETFs also good investments?

There are ETFs out there that track everything from women in leadership to environmental responsibility. And if you don't like social responsibility, there's always VICEX. I reckon people invest in ...
2
votes
1answer
131 views

What type of low-cost stock index exchange-traded fund (ETF) would give the best long-term total return?

What type of low-cost stock index exchange-traded fund (ETF) would give the best long-term total return, based on historical stock market data? Would it be a narrow blue chip stock index or a broader ...
0
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2answers
70 views

Entry point level for buying stocks [closed]

With the Brexit in full force this Friday, many US indexes fell anywhere from 3-5%. Is Monday a good entry point for a buyer's mind or will the bull continue for the next few weeks?
1
vote
1answer
77 views

Tax Efficiency with Index Investing

I will have money left over after maxing my 401(k) and Roth IRA. I plan to open a taxable investment account to invest the remaining money, but I want to make sure I understand the basics of tax-...
3
votes
3answers
470 views

$1000 a month to invest. Index is the way to go?

No credit card debts, no student loans, nada. I have a modest house with a small fixed mortgage, a nice year cushion of savings (in a high-yield account), contribute 15% of my income towards ...
4
votes
4answers
280 views

New grad with new job seeking advice on how much I should put towards my 401(k)

I have a new job that pays ~100k. I'm in my early 20s. I'd like to figure out the most financially intelligent course of action when dealing with 401(k). This is the policy: X company will match ...
0
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1answer
64 views

Why weight a portfolio by market cap when equal weighting has higher ROI?

I've been researching how to structure my different funds, and almost everywhere I look I see people buying funds based on market cap. e.g. investing 70% in a large-cap ETF like Vanguard's $VV, 20% in ...
2
votes
4answers
159 views

How to explain quick price changes early in the morning

I don't have much experience trading and wonder why there was a large change just when the market opened. I daytraded my portfolio and started only recently. As expected, in the morning when the ...
5
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4answers
272 views

Small investing for spending money?

I got my first good job this summer and when I go back to school in the fall I will have ~$10 000 saved up. Would I be able to invest this in a reasonable way that it would provide me with say $200 ...
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2answers
307 views

$100,000 to invest, how should I invest it?

I am just getting into investing, and am looking for some initial input: Lets say I have $100,000 to invest... and I'd like to keep my finances as simple as possible. What investment options are ...
33
votes
3answers
8k views

Can I take out a loan and invest it at higher interest?

I noticed today that my bank is offering small loans of up to £15000 at 3.3% interest. Meanwhile, services like Zopa and RateSetter are offering over 6% interest on investments in their platforms. I ...
0
votes
2answers
127 views

Investing in the stock market during periods of high inflation

In the past, annual inflation has gone above 7%, which is the canonical average annual rate of return for stocks. When inflation reaches that point again, would be it still be worth investing stocks ...
0
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4answers
73 views

Investments and Equity

First, I apologize if this has been asked/answered before. Was not really sure how to search for the answer so I'm asking it here. To me, it has always seemed like a business is a thing. A thing with ...
2
votes
1answer
42 views

NRI Son's Remittance Transferred to Indian Parents

My son is an NRI (Non-resident Indian) working in the US. He sends money to his NRE (Non-resident External) a/c.Then the money is transferred to the Indian parents ac. Is there any restriction on ...
0
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1answer
78 views

How much do big firms and investors affect the stock market?

I have been reading quite a lot on stocks and can't seem to figure out one thing. Let's say company A is doing very well and their stock is expected to triple in a year. How much of an influence ...
2
votes
1answer
192 views

Exotic Car Flipping as a Strategic Investment? (US-CAN)

I've been pondering flipping an exotic. Particularly the 2007 Aston Martin V8 Vantage. I have seen a few US examples selling for $35,000 USD. This is roughly $45,000 CDN. If I pay cash there will ...
4
votes
2answers
212 views

How would one follow the “smart money” when people use that term?

From time to time, articles talk about following the "smart money". My question is: What indicators or sectors do we look at that is considered the "smart money"? If everyone is following the smart ...
1
vote
4answers
152 views

IRR vs. Interest Rates

This is a simple question but I just wanted to be sure. Say I have an IRR of 5%. Does this mean that I have an actual return of (1.05)^3 - 1 = 15.7%?
2
votes
1answer
65 views

Is Peter Lynch talking about the Dividend Adjusted PEG Ratio in this quote?

In Peter Lynch's One Up on Wall Street, he gave a simple, straight-forward explanation as to his preferred metric for doing a quick and dirty valuation of a firm's investment prospect: A slightly ...
2
votes
1answer
22 views

How should accumulation type units in unit-trusts/OEICs held outside of an ISA/SIPP be handled for tax?

If I hold income type units (call them "INC") of a fund (or investment trust shares or regular equities for that matter) outside of an ISA/SIPP wrapper, it's obvious enough how to fill in a tax return:...
1
vote
1answer
38 views

Determining if an undergraduate scholarship stipend is eligible for an IRA

I'm a recipient of an undergraduate scholarship that covers full tuition and provides an additional annual stipend (paid directly to me) for general living expenses in return for employment after ...
3
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0answers
44 views

What's the tl;dr investing rules for married Canadian citizens when one partner happens to have US citizenship?

Canadians with US citizenship have several things to consider regarding investments: Canada's Tax-Free Savings Account (TFSA) is not considered tax free by IRS, and filing taxes may significantly ...
7
votes
1answer
291 views

Can expenses for attending stockholders meetings be deducted in U.S. income taxes?

I have a few different common stocks holdings from which I receive quarterly dividends. In addition I receive an annual notice of a stockholders meeting and of course the voting proxy. I have often ...
7
votes
4answers
434 views

Avoid paying off a mortgage early?

My mortgage is 3.5% fixed rate. I have enough money to pay off the remaining balance, and still have enough left over for an emergency fund. My investments have historically made more than 3.5% per ...
1
vote
1answer
324 views

Stock goes bankrupt - what is CODI and should I worry about it?

I am a total newbie at investing and last year I purchased some stock of BBEP directly without any broker using the Robinhood app. Now BBEP has filed for bankruptcy and I see many people mentioning ...
0
votes
1answer
89 views

How can I optimise a portfolio of traditional & alternative assets?

Standard risk optimisation of a traditional assets (like stocks and bonds) is pretty straight forward, I have been optimising and backtesting a stock, bond & REIT portfolio on Swanest. I am ...
3
votes
8answers
740 views

Why does short selling require borrowing?

Taking a 'long' position when investing is simple - you buy something (e.g a stock) with the hope it will appreciate in value, meaning you can then sell it and make a profit. However, the reverse, ...
3
votes
2answers
101 views

How can I find ISIN numbers for stock options?

I currently use my bank for brokering services, as I don't have enough capital to justify going on my own. The bank told me that they need an ISIN if I want them to purchase stock (call)options for me....
1
vote
1answer
91 views

How should I utilize my money as I begin grad school?

I'm 21 years old, and I'm about to start grad school. I currently have $45k liquid cash and $6.7k in mutual funds. I feel like I need to do more with the $45k as I have no loans and my car is paid ...
1
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3answers
72 views

Td Ameritrade Roth IRA question

I recently opened a Roth IRA at Td Ameritrade. I'm making regular deposits but haven't chosen a fund. I don't want to pay a fee, or cost to trade what are my options? It's overwhelming looking at ...
5
votes
4answers
454 views

How should I begin investing real money as a student?

(Skip to the 3rd paragraph for the basics.) Alright, so for starters, I'm in high school. I'm 17 and have two jobs: one is for fun, basically, and the other is a job that I can live off of. I go to ...
0
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1answer
42 views

Which first time Stocks and Shares ISA for UK, frequent trader UK markets? [closed]

I want to open a stocks and shares ISA. At present I have a sharedealing account with X-O (www.x-o.co.uk) and I’ve been making 1 or 2 deals per month. I’m approaching this as a long game and sticking ...