6
votes
8answers
668 views

Roth vs Traditional Investing assuming same tax bracket in retirement

I've done a little (simplified) math to determine the difference in investing in a Roth account and a Traditional retirement account. I'm assuming that I will be in the same tax bracket in retirement ...
5
votes
4answers
1k views

Senior in College, need advice on my investing plan

I am a rising senior in college and saved up $3,000 dollars from my summer internship. I have done a lot of research online about investment options for my age and I decided that opening a Roth IRA ...
0
votes
0answers
19 views

UK resident seeking to invest in US mutual fund company

I have a B1 visa, owns a rental property and file US income tax return annually. Can I invest in mutual funds in the US? I was advised by a mutual fund company that I am not eligible because I am not ...
2
votes
2answers
258 views

We're taking a sabbatical in less than two years. Ideas for investing money until then?

My wife and I are planning on taking a sabbatical year off in 2016. We are following a path of 6 years of working very hard, 1 year rest and reflection, repeat. I realize this is not suited to all, ...
8
votes
10answers
2k views

Ideal investments for a recent college grad with very high risk tolerance?

I recently graduated college and got a steady job making decent money as a software engineer/programmer. I make more than enough money to sustain myself and save up money, while still having money ...
1
vote
5answers
148 views

How to choose a good 401(k) investment option?

I am starting my first 401(k) which will have 9% of my salary invested each month. I have the option of doing a Roth 401(k) or a traditional 401(k) with a range of investment options. I think the ...
3
votes
3answers
340 views

When shorting a stock, do you pay current market price or the best (lowest) available ask price?

A stock has a last sale price of 2.5 dollars on the NYSE. Say I am shorting 1000 shares of a stock, there's an ask price of 3 dollars for 500 shares. Theres an ask of 3.5 dollars for 250 shares, and ...
5
votes
3answers
151 views

Variable universal life insurance vs traditional long-term investments

I have been considering different ways to generate some returns on my money, rather than just having it sit in a savings account at the bank. My understanding is that the obvious first step is to ...
0
votes
1answer
73 views

Add > 5,500 (excess contribution) to Roth IRA for temporary investment?

I have an standard IRA through work and an additional Roth IRA. I split my contributions between the two accounts. I understand the max contributions to the accounts combined is 5,500 per year. A ...
0
votes
1answer
31 views

SEC Form 144 and Form 4 difference

What is the difference between an SEC Form 144 (Proposed Sale) and an SEC Form 4? For example, this company has filed Form 144's, but not Form 4's. I understand that a Form 144 has more basic ...
1
vote
2answers
90 views

For Non US resident is it better to invest in a start up as a individual or as a company?

What are the tax implications of investing as a company versus as an individual for foreigners (Non US resident)in the US? Which would be better for a foreigner (NON US Citizen) to invest as.
2
votes
2answers
134 views

What is the best strategy for after hours trading?

I'm new to stock market trading and while I do understand the basic concepts; researching the companies, buy low/sell high, and including setting good push/pull calls for both high and low margins. I ...
1
vote
1answer
32 views

SEC forms filed under different company name

I'm trying to find 10-K, 10-Q, or 4 forms for a company called Creative Edge Nutrition (ticker symbol: FITX,) but what I found was forms filed under the name "LAUFER BRIDGE ENTERPRISES, INC." Why is ...
0
votes
1answer
44 views

When investing a settlement, what tax ramifications should be considered?

Let us suppose that someone receives a lump sum settlement from a car accident (personal injury) case and would like to invest it for maximum long-term returns. We will say that the settlement amount ...
1
vote
2answers
91 views

Roth IRA Limits for Dual-Income Family

My wife and I are newly married and are lucky to be making enough to have a small amount left to make in investments on a monthly basis. We're both employed full time and in our early twenties. I ...
0
votes
0answers
24 views

What loan options are there for minors? [duplicate]

I'm not yet 18, but I have been studying business for quite a while, paper trading, investments, etc. at this point, I'd like to try my hand at building some credit and making some money, but I am ...
0
votes
2answers
109 views

Calculating Various Aspects of An Investment

I will be entering a Ph.D. program this coming fall. At some point, I will have to add to my current student debt. Nevertheless, it's a done deal and I am definitely going. I (conservatively) ...
3
votes
2answers
77 views

Can I contribute to an IRA from investment income?

Can one contribute to IRA if the income for the year is received from stock sale only (no W2)? What I have been reading is that in order to contribute $X to IRA I need to have earned $X of income, ...
2
votes
1answer
81 views

Can I roll my current Roth IRA in my name and my spouse's name into a Roth IRA that is only in my spouse's name?

Can I roll my current Roth IRA in my name and my spouse's name into a Roth IRA that is only in my spouse's name?
3
votes
1answer
78 views

Should I care about the expense ratio of the money market fund that holds excess cash in my brokerage account?

In my vanguard roth IRAs brokerage account, uninvested/excess cash is kept in a money market fund, VMMXX. I dont care about earning return on this money; I just keep it in cash to help with ...
0
votes
1answer
70 views

Online streaming video/audio financial/stock programs

I don't have cable TV, so can't watch CNBC or other financial channels. So can someone suggest some online financial programs? I am looking for both streaming ones (for real-time news) and some talk ...
4
votes
3answers
105 views

Is there any evidence that “growth”-style indexes and growth ETFs outperform their respective base indexes?

For example Vanguard has the Vanguard S&P 500 ETF and the Vanguard S&P 500 Growth ETF. Just looking at the returns, it looks like the growth ETF has outperformed the S&P 500 ETF: ... ...
3
votes
2answers
682 views

Is there any benefit to pooling money with family members to buy a mutual fund?

I'm thinking of investing some money into a mutual fund and am curious whether it's worthwhile to just pool my money with my dad and do so? He already has a mutual fund set up, and I'm curious whether ...
7
votes
5answers
928 views

What should I do with my $25k to invest as a 20 years old?

I have been fortunate enough to learn the skills necessary for a decent paying job at a fairly young age in computer engineering. I have $25k in my checking account, and I need a sensible means of ...
4
votes
3answers
310 views

Allocation between 401K/retirement accounts and taxable investments, as a young adult?

I graduated college last year and began a career at a company with a 401K option. I cannot pull any money out of the Roth 401K without tax consequences or a penalty. I am interested in starting a ...
4
votes
3answers
130 views

Is there any reason to diversify your investments across accounts at multiple/different brokers?

I have a few retirement accounts at Vanguard. I am considering opening a regular non-retirement investment account there. Is there any reason to diversify and open the new account with a different ...
1
vote
1answer
50 views

Is it possible to use an ETF's/index's price near market close to time my investments in its corresponding mutual fund?

I want to make monthly purchases of an S&P 500 index mutual fund. Most of the time (according to the numbers I looked at), if the index closes down for the day, the mutual fund's NAV will decrease ...
1
vote
2answers
98 views

Suppose earning an APR of 7% for 5 years, with interest compounded quarterly. What is the EAR? What is the Total Return?

Suppose you earn an APR of 7% for 5 years, with interest compounded quarterly. What is your EAR? What is your Total Return? The part I am confused is "with interest compounded quarterly" The ...
1
vote
2answers
50 views

How can I determine my basis for a gift of mutual funds?

My parents, saving for college many (20+?) years ago, purchased some Evergreen mutual funds for each of their children. I believe the accounts were established in the children's names. Thanks to some ...
27
votes
8answers
6k views

I'm saving money too fast. What should I do?

[Apologies if this sounds (and is) like a first world problem] I get a very generous salary and I am not a spender. I am able to save $2000-$2500 every month. I've invested part of my money in some ...
2
votes
4answers
241 views

What to do with savings for 3-5 years?

Here's the situation: Married, late 30's, combined income around $170k. 2 toddlers. We owe $360k on a house worth $600k. Only other debt is $20k each in student loans. 401k plans are in order. We have ...
6
votes
2answers
119 views

If the housing market is recovering, why would a REIT index ETF (e.g. VNQ) not be performing well?

As you can see below, the Vanguard REIT ETF fund hasn't been doing very well for the last 6 months, but the housing market seems to be improving every month. Why do we have this difference? VNQ ...
4
votes
2answers
140 views

What to consider before buying (exercising) a family member's private company employee stock options, about to expire?

My brother-in-law is leaving a private tech company. He has $100,000 in stock options (fully vested) which he must either purchase, or abandon completely upon his exit. This is not a startup — ...
2
votes
3answers
102 views

US retirement account types

I'm an 18 year old college student in the US who has a job and decent savings that pays for school and expenses. I have two credit cards to start building credit, but as I start to investing after a ...
2
votes
1answer
85 views

Is there any way to rebalance an investment portfolio while reducing/minimizing taxes?

Say you have a retirement goal of $1 million and reach it by investing a stock. If you want to rebalance and move this money to something safer, say bonds, will this exchange cost you capital gains + ...
1
vote
2answers
116 views

Are there any other investing methods I should look into?

I'm looking into long-term investments. So far, I've looked at stocks, mutual funds, IRAs, and 401Ks. I'm 22 and recently begun my first full time job. I know the basics of these investments, ...
2
votes
1answer
120 views

Tax benefits to buying stocks on Dec 31 vs. one day later?

For an individual in the US (California), are there tax benefits to buying stocks on Dec 31 vs. one day later?
10
votes
6answers
533 views

An index fund in my 401k performed very well this year. How to deal with the gains?

I'm 34. 100% of my 401k goes into an S&P index fund. I'm up about 25% this year. If this were in my brokerage account I'd probably cash out some of the profits and hold onto it and buy more ...
0
votes
2answers
131 views

As an investor or speculator, how might one respond to QE3 taper?

I see on the Internet a lot of talk amongst the financial types that QE3 may/may not taper off. I have owned some mutual funds as part of an IRA for the past year and took advantage of the huge ...
3
votes
1answer
65 views

What are the tax implications of purchasing mutual funds in the US with Australian dollars?

I am a dual citizen of Australia and the US, and a resident of the US. I have some savings in Australia that I would like to use to purchase mutual funds in the US. If I make the purchases using ...
5
votes
2answers
170 views

Can the Securities Investor Protection Corporation (SIPC) itself go bankrupt?

The Securities Investor Protection Corporation (SIPC) insures investor accounts up to $500K: Terms of SIPC help. Customers of a failed brokerage firm get back all securities (such as stocks and ...
5
votes
2answers
115 views

Does SIPC protect securities purchased in foreign exchanges?

Suppose I open an account at an SIPC-protected broker (say Interactive Brokers) and buy 500,000$ worth of BP stocks on the LSE (London Stock Exchange). Now suppose Interactive Brokers goes bankrupt, ...
4
votes
2answers
583 views

How can I see the holdings of a mutual fund?

I'd like to be a socially responsible investor. I'd like to be able to blacklist certain companies that I feel are violators of my own social beliefs. cough monsanto cough. I'm finding it to be ...
3
votes
1answer
149 views

401k tax advantage vs lower fees in taxable account

Is there a formula or rule of thumb to help determine when it's better to put money in a 401k, 403b etc. or a regular taxable account assuming similar investments and returns (for example the same ...
3
votes
2answers
186 views

Choosing a vehicle to invest a kid's money on their behalf (college, etc.)?

This is a variation on Strategies for putting away money for a child's future (college, etc.)? My question regards money gifted to a kid (by a family member in this case). What should I ...
0
votes
4answers
960 views

I've got $100K to invest over the next 2 to 7 years. What are some good options?

I have ~$100K in cash right now that I need to put somewhere. I plan on using the money for a down payment on a home sometime in the next 2 to 7 years (if I were a betting man, I'd say in 3.5 years). ...
5
votes
2answers
171 views

What considerations are there for making investments on behalf of a friend?

I've thought of two approaches so far: Pool their money into my own brokerage account and simply split the gains/losses proportional to the amount of money that we've each contributed to the ...
3
votes
1answer
142 views

Is there an online service that provides public company information through a public API?

I want to write an application to gather financial information of public companies and bonds for my own research. Is there any place online that I can do this that has a public API?
4
votes
1answer
79 views

Where can I buy bonds and other securities other than stocks?

I keep hearing that I can only buy bonds and other securities such as Treasury Bills from a broker...the thing is, I don't want to pay a broker (yet). I know I can buy stocks online through a trader ...
4
votes
2answers
100 views

Are there any tax concerns with small periodic vs larger less frequent contributions?

Haven't had to worry about this much with tax my tax advantaged accounts. But I have started up a mutual fund with Vanguard, and I was curious if there are any tax related concerns with investing a ...