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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227 views

Asset Allocation and Timing with a Cash Windfall in Q1 2015

Alright so I'm 30 years old. I'm sitting on cash to invest for the long haul. It's decision time. Here is what I have learned from my research over the last few months: Proper asset allocation ...
2
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1answer
116 views

Any reason to invest in a mutual fund at launch?

Hargreaves are launching a new UK growth fund next week. Is there any particular reason to get in at the start? I figure it's not like an IPO? The fund value is based on performance, right, not ...
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2answers
82 views

Given advice “buy term insurance and invest the rest”, how should one “invest the rest”?

It is often recommended that people buy term insurance for a lower premium cost, and invest the rest of the money. It is said that the returns from your own investment are higher than the ones from ...
3
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2answers
72 views

Reasonable commission on unique property sale

We were approached by an independent broker. This broker has made us an offer on our house on behalf of a reputable developer in our city. I won't get into details but it is for an inner city multi ...
2
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2answers
572 views

What are some simple techniques used for Timing the Stock Market over the long term?

What are some simple techniques used for Timing the Stock Market over the long term to beat average market returns? By long term I mean 5 years and longer. It may include investing directly into ...
2
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4answers
164 views

Optimal Asset Allocation

Something I've recently gotten into is asset allocation optimization and using AI (Extended Kalman Filter) & statistics in this area. Anyway, I was ready to move 100% into stocks so I put 80% into ...
2
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1answer
284 views

If I can invest $100 a month, is it better to choose Vanguard S&P 500 ETF or Betterment

If I can invest $100 a month, is it better to choose Vanguard S&P 500 ETF or Betterment? I can put down a max initial investment of $1000, and may pull out the investments when the market looks ...
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1answer
98 views

Why is Morningstar reporting a bid/ask spread of $2.31 (2.19%) when Vanguard reports a 30-day average of $0.02 (0.02%)

Vanguard, on their page which lists the 30 day average bid/ask spread for their various ETFs, currently has 0.02% and $0.02 as the spread for VTI: However, if I lookup VTI on Morningstar, it has a ...
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3answers
193 views

Is there any chance for a layperson to gain from stock exchange? [duplicate]

In this question: Is there a reason why someone shouldn't buy into a temporarily cheap currency of an otherwise solid economy? One answer said "You're basically making a bet that the market is ...
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4answers
250 views

Is my employee stock purchase plan a risk free investment?

My company offers an employee stock purchase plan with two 6 month periods. At the end of the period I buy the company stock at a 15% discount on the lower of the price at the start of the period and ...
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3answers
500 views

Can I use a different HSA than PayFlex that came with aetna?

So my insurance aetna came with a PayFlex HSA. I dont think I like the investment options Harbor Bond HABDX Bond Fund Managers Intermediate Duration Government MGIDX Bond Fund Dodge ...
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5answers
1k views

Can I make my savings keep in check with or beat inflation over a long time period via index funds?

Context: €13000 banked on a 1% savings account. €1700 banked on a payment account. €1450 monthly income (after taxes). ~€400 monthly costs, and probably another €200-400 in incidental expenditures ...
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3answers
125 views

What is a tranche?

I am studying Collateralized Mortgage Obligations (CMOs) - My understanding is that the product consists of mortgages which have real estate as collateral. The mortgages are bundled in batches ...
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1answer
85 views

Simple tool for running what-if analysis on a set of ticker symbols?

There are a lot of heavy-duty portfolio analysis tools out there, but what I'm looking for is (I think) much simpler. I simply want to: Enter a ticker symbol (could be mutual fund or ETF), along ...
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1answer
99 views

Is it worth using an online platform to invest in various fund houses?

According to this article, there are there approaches to investing: Approach the fund houses directly and create an account Approach a brokerage firm and create an account Approach an independent ...
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3answers
148 views

Are there online brokers in the UK which don't require margin account?

To my surprise, it was extremely difficult to find an online Platform that offers the option to trade/invest in STOCKS with a 1:1 leverage, in other terms, purely my own money, no margin. I've ...
2
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2answers
201 views

What investments work for these goals?

My wife and I are going to be selling our house and moving into a rental. After the sale and taking some for emergencies and paying off some debt, I'm estimating there will be $75,000 remaining which ...
2
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2answers
198 views

How to invest with a low net worth

Ok, I have following set up. I am a trainee in Germany. That means I am someone who is going to school part time and works in the company the other time. So my income is low at the moment. Fortunately ...
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2answers
87 views

How prudent would it be to invest (stocks/equity) in businesses that are based on Cash transactions?

Most real estate developers and jewelers in India accept part if not the whole payment for property/goods in the form of Black money. These transactions are often off the books - should I look at ...
5
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2answers
408 views

Investment options

I am 33 years old and have about 140K in my retirement accounts. I made a bad decision and cashed out of stocks in Feb 2012 and have everything in a money market account. I have conflicted emotions ...
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1answer
119 views

Why would a passive investor buy anything other than the market portfolio + risk free assets?

It's frequently said that you should buy a "high-risk" portfolio with lots of stocks when you are young, and then move into "low-risk" portfolio with lots of bonds when you are older, essentially ...
3
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1answer
203 views

Overnight charges for brokers holding stocks?

I'm trying to learn about stock markets. I eventually want to invest a small amount over a long period. Yet, I notice on a lot of broker sites that they tend to charge an overnight fee for any stocks ...
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5answers
412 views

How to decide on split between large/mid/small cap on 401(k) and how often rebalance

On my 401(k) the default time-targeted fund seems to be relatively expensive. I thought about using Vanguard mutual funds, which are also available and have much lower expense ratio. However they are ...
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1answer
53 views

What is fair annual profit for an investor [closed]

I have a dot com company which steadily generates income. I now need some cash injection and found some investors. They invest some money and the deal is to pay them out in equal monthly payments for ...
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5answers
466 views

Take advantage of rock bottom oil prices

Is there a way to take advantage of the rock bottom oil prices as an individual? Other than filling up your car?
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1answer
82 views

How poor an idea is it to transfer out of an ISA before the interest is paid?

I currently have a Barclays issue 1 ISA, with around £8000 in it. I opened it in August 2014, and it pays 1.29% AER/1.28% tax free pa. At the time of opening it, I hadn't researched investments and ...
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3answers
162 views

What are the risks of buying some platinum right now?

Looking at the price of platinum today it is fairly close to gold. http://www.kitco.com/charts/liveplatinum.html http://www.kitco.com/charts/livegold.html I know that platinum is more volatile ...
3
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2answers
341 views

Mutual Funds to invest in every week or monthly

I want to know if there are any funds (in US), that let you put some money in per period, like weekly or monthly. I know you can put money into 401k per paycheck. I want something similar without the ...
3
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2answers
110 views

Analyze stock value

If I'm going to analyze the stocks of Apple, Amazon, Google etc. I will find them on Yahoo Finance and see the historical changes in each stock. But sometimes the companies make splits and I see big ...
2
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1answer
198 views

Advice on replacing my savings account

I currently have a Vanguard account (Mutual Fund) with about $10,000 in it (more now). I have a savings account with about $7,000 which I consider my "rainy day" fund and I try to put money into my ...
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1answer
53 views

How is option margin determined by my broker

How does my broker determine how much option margin they can or will allow me? For example if I have $1,000,000 in cash or stocks how do they determine how much option margin I may use?
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2answers
127 views

What happens to bonds values when interest rates rise? [duplicate]

I want to invest 10% of my portfolio into bonds. The other 90% will go into stock. I took a look at Government Bonds which TD Ameritrade offers at a $5000.00 minimum. This is a little over my ...
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1answer
57 views

Any Loop Holes for Owner Occupancy?

My Client wants to buy a Fannie Mae property in WA as an owner occupant. He owns another home out of state (in california). He has family that lives here in WA. This particular Fannie house in WA ...
3
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1answer
53 views

Risks in investing savings into retail superannuation in Australia?

What risks are there if I invest all my savings into retail superannuation? I'm still working part time, in my 60s, but would like to get a regular (pension type) income tax free, from investing in a ...
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4answers
532 views

Why are some funds only recommended for investors starting out?

I am 23 years old and have been in industry for a couple years and my savings have grown to an amount whereby GIC's are no longer good enough. Since I bank with TD Canada Trust, there seems to be a ...
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2answers
303 views

How can one identify institutional accumulation of a particular stock using price and volume data?

I often read that institutional investors (mutual funds, banks, hedge funds, etc...) will build a position in a stock over time using relatively small orders so as not to move price and alert other ...
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1answer
136 views

Where can I buy real gold and sell it later as shown in market?

I want to invest money in Gold. Where can I buy Gold and sell it later when the gold prices are high? (high in the market as shown in market NASDAQ/NYSE)
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1answer
171 views

Is it a pattern day trade if you close position in after hours?

Say I am buying stock XYZ, is it possible to close my position, in this case sell, as soon as open market hours close or do I have to wait until the next market open?
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1answer
60 views

How quickly does short float ratio/percent change?

I'm new to stocks, so let's get that out of the way. But I was curious, how quickly, does the short float ratio change on websites like cnn, nasdaq.com, finviz, google, etc.? Also, if it does change ...
2
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1answer
162 views

Starting non-retirement investment account

I would like to start investing in a non-retirement account. I have: A 401k through my employer I'm contributing to with Vanguard A 529 for my two daughters, three and five, I'm contributing to with ...
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1answer
242 views

Why does shorting a call option have potential for unlimited loss?

Referring to http://en.wikipedia.org/wiki/Option_(finance), for a short call: If the stock price increases over the exercise price by more than the amount of the premium, the short will lose ...
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7answers
1k views

Investing small amounts at regular intervals while minimizing fees?

My daughter is about to turn one year old and I'd like to start some sort of investment account for her. The purpose would be to invest her birthday and gift money into the stock market each year. I'd ...
6
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4answers
312 views

Formula that predicts whether one is better off investing or paying down debt

This is more of a statistics/probability question but the implications for personal finance are obvious. Let's say you have extra cash (assume tax-advantaged space is already maxed out) and are ...
11
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4answers
2k views

Any compelling reason to contribute to a 401k if my employer doesn't match?

My employer does not match 401k contributions at all. Currently, I do not make any contributions to a 401k or an IRA due to a need for liquidity. Aside from the obvious gains incurring no tax ...
4
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1answer
137 views

Can I take money out of my Roth IRA any time?

So I have a Roth IRA brokerage account with Scottrade. I finally have enough savings (maxed standard employer 401k, emergency fund, etc.) that I'm ready to start investing some of my discretionary ...
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1answer
72 views

How to manage currency risk in international investing

Exchange rate fluctuations can wipe out or augment your return from a foreign stock investment. Is there any way to protect yourself from such risk?
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2answers
96 views

Buying & Selling Call Options

So, I understand that if I write a call option and someone decides to exercise it before it expires, I agree to sell them the stock for the listed price on the option. I guess my confusion is, if I ...
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1answer
45 views

What is selective disclosure?

I was reading This Ex-Microsoft Exec Will Not Sleep Until He Reinvents Investing, and the article stated: ... Motif can't fix the problems of selective disclosure that gave institutional ...
3
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1answer
107 views

Can a bond's market price rise above its lifetime value?

I'm just learning about bonds, reading an introductory book about investing in German. Please correct me if terms are wrong, and if this question can be improved. Consider a bond: Lifetime: 3 years ...
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1answer
137 views

At 70 what are my investment options? [closed]

Have a couple of million--but have moderate tolerance for risk. What is the best option for investing--have yearly income of 36,000 before taxes.