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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OTC Markets, Time, and Trading

Details: USA Investor, brokerage switched hands With a past brokerage firm of mine, I purchased shares of RWE AG (a German energy company) and they purchased the shares through the OTC markets (see ...
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64 views

What's the easiest/best way to be informed of a Director selling shares of a company on London's AIM market?

I was wondering whether anyone had anything set up whereby it would 'push' information about Director's dealings on any particular company, in this case a company on London AIM market. Is there a ...
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1answer
88 views

What factors you have do you count on to speculate effectively?

What are the factors that you consider if you want to make a thoughtful speculation decision (as thoughtful as being a speculator lets you be)? I can only count these: Market trends Patterns on the ...
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1answer
358 views

How can one relatively easily show that low expense ratio funds outperform high expense ratio funds?

Almost everybody these days says that passively managed, low expense ratio funds outperform actively managed, high expense ratio funds. I believe it, and have been investing accordingly, but I would ...
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434 views

Are there fees or penalties for holding less than $10K in a Vanguard Admiral Shares fund?

I currently have a large sum of cash in a "Rewards Account" at my credit union. The interest rate is at 2.75%. It seems to drop every year. It started out at over 4%. Basically, I am looking to find a ...
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731 views

Buying life insurance at the age of 25

Given that, the person is unmarried and without any dependent, is it advisable to buy life insurance (which is not a term insurance) at the age of 25? Considering it as an investment tool plus a ...
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217 views

Can you buy out a pink sheet listed company by purchasing all of the oustanding shares?

If you buy out all the outstanding shares of a pink sheet listed company, do you control the company (much like when an NYSE-listed stock is bought out)?
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406 views

Are mutual funds a good choice for a medium to low risk investment with a two year horizon?

I have a two year investment horizon, and I will make regular monthly contributions. I prefer investment options with medium to low risk. Are mutual funds a good choice for such a short investment ...
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379 views

How to start investing/thinking about money as a young person?

I have about 10k GBP in my bank, and I know for most of you that is not a huge amount. However, I will finish university soon and I would like to have in the back of my mind about how to start ...
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339 views

Sanity check on recommendations from a financial advisor

Recently my wife and I have decided that we make enough money to go see a financial advisor and see how we can be smarter with our money. The most important topic we discussed with the advisor was ...
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186 views

Capital Gains Tax - Does this apply only to the actual “gains” or to the entire amount of my sale?

If I buy 10 shares of stock at $10 each I have spent $100 in stocks. If I later sell these within the same year, do I pay taxes only on the difference of the buy price and the sell price [with a ...
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1answer
92 views

Do transaction fees for mutual funds apply when purchasing additional shares?

My broker charges me a $19.99 transaction fee when purchasing some mutual funds. I believe that they will also charge this fee when selling shares in the fund. What is not clear to me, is if they ...
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826 views

Is business the only way to become a millionaire?

Is starting my own business venture or investing in someone else's business , the only way to get rich ? I am not looking to become rich quick. I am in no hurry. What are the other options available ? ...
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653 views

Why would I want a diversified portfolio, versus throwing my investments into an index fund?

Index funds are well-known to give the best long-term investment. However, most financial planners recommend having a diversified portfolio, including components such as bonds and foreign markets. I ...
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210 views

When purchasing an IRA, should I contribute to a previously-opened one, or open a new one?

In general - all things being equal with regards to fund availabilities, fees, etc - is it better to add funds to an existing IRA each year, or open new ones? Are there different tax benefits to ...
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1answer
213 views

How are brokerage accounts protected from theft, computer glitches and fraud?

I'm thinking about investing in stocks, but I'm worried about losing my investments for reasons unrelated to changes in the market. I know that brokerage accounts are not FDIC-insured. What if a ...
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3answers
565 views

I just made $50K from selling my house. How should I invest the proceeds?

I just made $50K from selling my house. I need some advice because I'm terribly bad at managing money and I'd like to invest a bit. My bank is harassing me – they want to sell me their product ...
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474 views

How should one structure a portfolio given the possibility that a Total Stock Market Index might decline and not recover for a long time?

It's a common financial advice to buy an index and hold it forever. Particularly, John Bogle endorsed buying an S&P 500 index and just hold it / buy more of it during bear markets so you get ...
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1answer
591 views

How can someone invest in areas that require you to be an accredited investor [without qualifying as an accredited investor]?

I have some money that I would like to invest. I have some money invested in the stock market and I have found some other places I'd like to invest as well, but it seems that many places require that ...
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1answer
90 views

Move from Stockholm to Ireland

I live in Sweden but plan to move back to Ireland in a number of years. When I can't say exactly but hopefully within 5 years. I'm 32 years of age, with a wife and 2 children. We earn 70k euros ...
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1answer
205 views

How do credit union loans and dividends vs interest work?

Since a credit union's customer own shares/stocks, then what is really happening when a credit union makes a car or home loan to a new customer? Is it shorting selling stocks at an interest rate? ...
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166 views

Non-tax advantaged investing over 401k situation

Is it worth bypassing a 401k in favor of a normal taxable investing account if you can contribute while in the 15% tax bracket and plan to retire in that bracket as well? After crunching some ...
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223 views

What will be the consequences if Negative Gearing is abolished in Australia?

There has been recent speculation in the Australian media about the Government possibly abolishing Negative Gearing in Australia in order to shore up falling revenues. In fact certain interest groups ...
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2answers
122 views

How many IRAs can I open/add-to/purchase in a given year for my family?

I want to plan for my children's futures - and while I believe I understand from articles at Fool.com, Smartmoney, and Forbes, is that I cannot purchase an IRA, as such, for them: it needs to be done ...
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1answer
2k views

What is the “Short sale circuit breaker rule”?

Apparently there's a NASDAQ rule called something like short sale circuit breaker which limits how much a stock can be sold short after a certain drop in price or something like that. It really makes ...
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2k views

Do you have to be mega-rich to invest in companies pre-IPO?

Say there's a company which is known with certainty to be doing very well, but is privately held and is expected to go public within a few years. When such companies do investment rounds, are the only ...
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877 views

How is a probability cone read?

So, googled this a little bit. Everything I read was very indepth. But for starters can someone give me a quick rundown on how to read this thing? Here is my interpretation, correct me where I am ...
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61 views

What report format can be used to motivate a young adult to learn about investments?

My 21 year old sister has some money coming. I want to show her in a one page report, what the results will be if she invest that money (bonds/stocks/commodities) vs taking the money and not investing ...
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308 views

Does buying/selling a stock for a loss count as income?

In 2011 I accidentally bought $1000 worth of stock in a brokerage account and immediately sold it the same day for $985 (a $15 loss). The IRS is now claiming I owe $280 in taxes on $985 of income. Is ...
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105 views

Why are fund managers' average/minimum purchase price from form 13F the same?

Using the fund managers 13F form filings you can calculate the average, minimum, and number of shares of a stock they listed for each quarter. Looking at the data to see who buy/add/reduce/sold out ...
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1k views

How can I replicate Vanguard's Total Stock Market Index using their S&P 500 and extended stock market funds?

I want to approximate the total United States stock market with part of my 401(k). I have access to two low-cost index mutual funds: VIIIX, which tracks the S&P 500 (large cap), and VIEIX, which ...
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1answer
368 views

Couch Potato Portfolio for Europeans?

I recently came across the Couch Potato Portfolio concept and was happy to find an investment strategy that made sense to me. Its origin seems to be the Canadian version, and it has been translated ...
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238 views

How can a beginner start an investment portfolio in Europe (France)?

I have been lurking, reading information about personal finances for a few months (if not years) now, but I didn't get the chance to start because I don't know where to start. Here is the thing: I am ...
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460 views

Why have I never seen a stock split?

I know it happens, but I've never seen it once. I'm a total stock amateur; I just invest small-scale amounts that I have to spare for the sake of experience/practice and a maybe a little fun. But ...
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1answer
641 views

Yield of a municipal bond with a sinking fund?

How do I calculate my expected return if I buy a municipal bond at a premium with a sinking fund feature? For example, I'm looking at a bond with a coupon of 5.5%, maturing July 2015, with the ...
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700 views

Does doing your “research”/“homework” on stocks make any sense?

One thing about investing has always bothered me. You constantly hear people saying you need to "do your research" or "do your homework" on a company before buying their stock. I rarely watch Mad ...
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1answer
106 views

Can I invest in the USA or EU from an Asian 3rd-world country, over the Internet?

Is it possible to invest in markets in the USA or Europe from an Asian 3rd-world country over the Internet? Does the laws of the USA or EU allow people outside to do so?
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332 views

Why are some long term investors so concerned about their entry price?

A long term investor is usually defined as someone who enters an investment for, say, 10, 20, 30 years or more. Generally they buy an investment to help meet a certain objective in their lives (e.g. ...
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1answer
246 views

What is the best resource for determining a specific age-based asset allocation?

I found a lot of information about how to allocate between stocks and bonds based on age, but I cannot find much about the proper allocation between domestic/international assets, large cap/small cap, ...
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169 views

Is there an advantage to international stock diversfication?

I'd like to reduce my risk of investing solely in the U.S. stock market compared to the rest of the world. However, my concern is that perhaps the U.S. stock market already has such international ...
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0answers
95 views

Where can I find quarterly earnings-per-share data for the major U.S. market indices?

Where (on what website) can I find last few years' worth of quarterly earnings-per-share for the Russell 3000? and the Dow?
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142 views

Investments backed by physical Diamonds?

I understand people can invest in Gold via ETF's which are investments backed by physical gold. My question is, do investments exist which are physically backed by Diamonds?
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172 views

When is a SEP IRA appropriate, can a Roth IRA suffice for self-employed individuals?

I am a self-employed individual working in the software industry; my current salary is commensurate to the market value of a software developer with 5 years of experience. I have not yet opened up a ...
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2answers
381 views

Is there a fool-proof way to keep up with inflation? [duplicate]

I know I can keep cash in an interest-based bank account, but that type of investment will not keep up with inflation, it seems. Would I be right to assume that government/corporate bonds can keep up ...
3
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1answer
80 views

Roth or Traditional IRA if getting a dramatic increase in income this year?

So I just learned that it's not too late to fund an IRA for 2012. With a week left and never having done this before, I now get to decide which type I want to open. Based on my (really vague) ...
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150 views

What sort of investment accounts are generally used for short term (not retirement) investing?

If accounts such as Roth IRA and 401(k) are designed for investing towards retirement, what sort of accounts do people generally use for short term investing, say 5-10 years? Ideally there would be ...
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198 views

What are the advantages of an IRA over general investment accounts?

I'm trying to understand the benefits of IRAs. I get that an IRA is an account for retirement in which I keep investments. And I get the difference between Roth and Traditional IRAs (in fact, that's ...
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186 views

Evidence for timing market in the short run?

I've deposited a sum of money in my Roth IRA and I'd like to invest soon, but I don't a firm deadline. Is there any evidence for a strategy I can use to "time" the market over a short time horizon, or ...
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546 views

How do small cap stocks perform vs. large cap stocks (like Dow constituents) during bear trends?

Does anyone have any good information on how small cap stocks, e.g. < $500M, perform during bear trends and/or recessions in comparison to large cap stocks like the Dow Jones Industrial Average ...
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266 views

Why might it be a bad idea to invest 100% of your 401(k) into a stock index fund?

Background: I'm a young 20-something, I won't be retiring for 40+ years, and the expense ratios for the funds offered in my company's 401(k) plan mostly suck. I understand that one of the reasons an ...