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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4
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2answers
2k views

Should I pay off investment property mortgage

Just a little financial puzzle. Inputs: An investment mortgage with 5.5% interest rate, 100K balance and 20 years left. Saving account with 100K in the saving account at 0.5% HELOC without any ...
5
votes
4answers
394 views

What are my investment options in real estate?

In a nutshell, I'm about to graduate from college at 21 with a great degree and have a job lined up that pays just short of six figures. Things are looking good. But I don't want to be a software ...
8
votes
2answers
655 views

Do margins on a brokerage account affect your credit score?

If you have the ability to trade on margin, will this improve your credit history/score? If you refuse to pay the margin and lack the funds to pay for the money borrowed, I understand that it can ...
2
votes
3answers
1k views

P2P lending in Maryland?

I'm interested in investment through Prosper or Lending Club, but both are not available in Maryland where I live. Is there any other alternative that I can invest quite safely?
3
votes
2answers
224 views

Does Hurricane Sandy or other natural disasters make it a good time to buy US Muni Bonds?

With all of the destruction of property and the repairs that will need to be done in the coming months. Is shortly after a large natural disaster a good time to buy a Muni bond ETF of some sort?
5
votes
4answers
912 views

Owning REIT vs owning real estate - which has a better hypothetical ROI?

Let's say I want to invest in the real estate market because I am bullish on it. Consider two options: invest in REITs or actually purchase real estate. My question is which option has a better ...
8
votes
1answer
484 views

First time investor wanting to invest in index funds especially Vanguard

I am a first time investor. I would like to invest small and gradually build up depending on how I fare in the stock market. I've been following the stock market for a couple of years and have read up ...
2
votes
1answer
98 views

Intro to Investment options for a Canadian

I'm a 22 year old Canadian living in Canada. I am about to finish school, paid off my student loan, and I have a good paying job, apart from rent and food (no car or house), I don't have much need for ...
2
votes
1answer
133 views

Are 401(k) fees based on contribution amounts or total account balance? What's reasonable?

I have a good employer match of a straight 25%. Deposits are made weekly. My balance is roughly $150,000. I have contributed $17,800 YTD, and paid $817 in fees, or 4.6% of my contributions. Are ...
4
votes
2answers
770 views

Pros & cons of buying gold directly vs. investing in a gold ETF like GLD, IAU, SGOL?

Google search brings up some articles on this topic, but they can be biased, so: What are the advantages and disadvantages of buying physical gold vs. investing in a gold ETF like GLD, IAU, or SGOL? ...
6
votes
2answers
6k views

What happens to public shareholders when a public stock goes private?

I feel like an idiot for buying ZNGA at $3/share. Now, there is talk of having the company go from public back to private? What does this mean for me as a public shareholder?
2
votes
2answers
198 views

I want to invest in a U.S.-based company with unquoted stocks, but I am a foreigner. How to do this?

Other investors and I might invest in a U.S.-based company (in Texas) that needs funding to build the tools they took 20 years to develop. The thing is, if they get funding and can build the real ...
9
votes
1answer
148 views

What are the risks in buying a property from a “Tax Deed” auction?

Recently, I was approached by a friend of my wife's, and she said that she and her husband were making a lot of money bidding on properties that went up for sale in our area, at auctions like this ...
2
votes
3answers
102 views

Can the risk of investing in an asset be different for different investors?

If 2 people invest the same amount in the same asset at the same time, will their risk be different if they use different risk management strategies? Say Inventors A and B both buy 1000 shares in ...
-1
votes
2answers
228 views

Recommended education path for a future individual investor?

I'm an 18 year old who wants to become a individual investor. My plan is that one day I can become free of the modern day monetary burdens that most adults carry with them and I can enjoy a short life ...
5
votes
6answers
258 views

Why do investors buy stock that had appreciated?

I understand you make money by buying low and selling high. But even if the stock price goes up, why are we guaranteed that there is some demand for it? After all, it's more expensive now. It would ...
9
votes
2answers
200 views

What should I consider when selecting a broker/advisor to manage my IRA?

I am extremely unhappy with my current IRA manager. I am considering a move to another financial planner. How can I objectively measure a financial expert? What subjective things should I consider? ...
3
votes
5answers
1k views

Investing in dividend-yielding stocks with money borrowed from margin account?

I am getting ready to invest some of my savings in a stock brokerage account. The well-known brokerages, e.g. ETrade, Ameritrade, etc, have relatively high margin interest rates for the level I am ...
6
votes
3answers
400 views

Why are big companies like Apple or Google not included in the Dow Jones Industrial Average (DJIA) index?

I'm taking an investing and personal finance class in school. I was assigned to ask someone who knows about the stock market why big companies like Apple and Google aren't included the Dow Jones ...
2
votes
2answers
1k views

How do 401k handle rate of return

This question has quite a few parts but answers to any part is certainly welcome : ) I'm having trouble finding an answer to what I think should be a simple question. When I see my 401k is up 10% ...
4
votes
1answer
91 views

Is the gross amount of US debt dangerous for the small investor?

Does a large national debt affect the long term value of a small investor's worth, if not invested in commodities?
3
votes
3answers
5k views

Is there a resource that lists the shareholders of a public company?

Is there a resource that lists the shareholders of a public company, preferably if it included the quantity of shares each shareholder owns. Something like eTrade's "Insider Activity" tab when ...
3
votes
5answers
672 views

I have $12k in a Chase checking account, but want to start earning interest/saving/investing/etc to make more money. What should I do?

Basically I'm tired of money just sitting there doing nothing. Is it wise to open a savings account with my bank (Chase)? Should I take it elsewhere? Should I get into stocks? Do I even have enough? ...
6
votes
2answers
420 views

Investment time horizon: When is it acceptable to withdraw money from investments?

I have received a windfall of 300K dollars. I am 23, have no debt, college educated. I want to have a mini retirement when I am ~40 years old. I plan on managing a diversified portfolio of index ...
0
votes
1answer
302 views

Evidence for/against negative correlation between commodity futures, stocks

I've heard that stocks and futures are negatively correlated over the medium term - e.g. that if stocks experience a brief rise, futures tend to fall, and vice versa, but they move together in the ...
3
votes
2answers
142 views

How are gains in an IRA taxed vs a Roth IRA?

If I have $10k in an IRA, trade stocks with it until my retirement it accumulates (with no additional contributions) to $100k and withdraw it, how are the $90k gains taxed? How does this differ from a ...
4
votes
2answers
184 views

What kind of trade is this?

For the purposes of this question, I own 100 shares of XYZ at $100.00 a share. I'm just now getting into order types in my research ... I know in some cases I can utilize "one order cancels the ...
2
votes
3answers
320 views

Are IRAs condusive to short term trading?

Since IRAs are only taxed when you take the money out when you retire, are the normal tax implications of short term trading non-existent? Thereby making it extra beneficial to do your short term ...
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vote
4answers
590 views

What is an ideal number of stock positions that I should have in my portfolio?

Is there a certain number of stock positions that one should keep in a portfolio? For example what makes more sense ? Option 1: $10,000 spread among 5 solid stocks, if you find new stock then remove ...
0
votes
1answer
67 views

Question about protecting yourself from company not beating earning eastimate

I'm new to this forums and thought I'd start off with a quick question. Lets use Advance Auto Parts(AAP) in my example. Lets assume you are looking into buying AAP and you do all the research you ...
3
votes
4answers
130 views

What's the point of a benchmark?

What is the point of comparing a security portfolio's returns with a benchmark? You can find out whether you incurred an opportunity cost for not investing in the benchmark, but isn't the benchmark as ...
5
votes
4answers
2k views

Are parking spaces and garage boxes a good investment?

Suppose, the following scenario: You have an investment budget available to buy a parking space or garage box. (In Belgium that would be around €25000 ($30K).) currently the saving accounts make ...
4
votes
2answers
136 views

Should I consider my investment in a total stock market fund “diverse”?

I understand this might be a subjective matter. The context from which I'm asking is this: a friend and I were talking about my "portfolio" (I use the term loosely), which is currently just two very ...
6
votes
6answers
325 views

How does owning a home and paying on a mortgage fit into family savings and investment?

I'm in my mid-20's, and so I am aiming at long-term growth with higher risk in my portfolio. My financial adviser is showing me some investment allocations that put my money in some growth, mid, and ...
3
votes
1answer
263 views

Just starting my career - Wondering about how I can “Make my money work for me”

I have just recently been offered a job in my career of choice, and now that I will have a solid job - I would really like to begin investing. My main goal from an investment would be to retire as ...
0
votes
1answer
121 views

What else besides fees should I consider in rebalancing my fund portfolio's asset allocation?

My portfolio is currently $10k invested in VWNFX. I also have a 401k (contributing about $13k/year) and an emergency fund. But for the purposes of this question I am just talking about my ...
1
vote
2answers
170 views

Are the guaranteed returns of regulated utilities really what they sound like?

In the last few days I've stumbled upon two-year-old editorials like this one and this one stating "as a regulated utility, publicly traded [PG&E] shareholders benefit from a guaranteed 11.35 ...
6
votes
2answers
986 views

CD interest rate US vs abroad, is there a catch?

I was in Ukraine and ran into a few banks that offer anywhere from 5% to 10% interest rate on investment per annum. For example, Erste Bank is willing to pay 5,75% on 12 months deposit. I have few ...
2
votes
3answers
185 views

Moving savings to Canada?

Would it be feasible to move my savings to Canada? Would this be a good way to avoid losses associated with another US banking crisis? (assumption is Canadian banks will weather a crisis better than ...
5
votes
3answers
987 views

Safer investing (401k/savings) assuming there will be another banking crisis?

Assuming one or more of the big investment banks incurs unsustainable investment losses leading to another banking crisis, what is the safest place to invest my 401k?
13
votes
2answers
586 views

Why would I buy a Bond at a Negative Interest rate?

I read recently that France is selling bonds at Negative Interest Rates. I understand why this is beneficial for France, but why in the world would I pay money to let someone hold my money?
6
votes
3answers
223 views

How do I calculate the current risk involved with US Bond Index Funds?

For months I have been trying to wrap my head around the concept of risk involved with the US Bond Index Funds in my portfolio. My initial conclusion is that the risk of long-term damage to my ...
6
votes
1answer
339 views

Investment methods for a US non-resident alien, living in the US for the next 2-5 years only

If an employer does not offer a 401k plan, what options do I have to invest in stocks, bonds, ETFs, etc.? Would a Roth account be a viable option considering I will probably be in the US for 2-5 more ...
19
votes
2answers
1k views

What to do with sudden wealth?

I am about to receive a considerable(for me, anyway) amount of money- about $100k- and really have no idea what to do with it to make it grow even larger. Of course I want to pay off credit card ...
2
votes
1answer
51 views

Conversion factor between tracker value and index value?

Where can I find what the conversion factor is between the value of a tracker and the underlying index, other than just computing it myself of course? Is it also explained how these conversion ...
3
votes
3answers
4k views

How can foreign investor (residing outside US) invest in US company stocks?

I am a small individual investor (less than $100K) and would like to invest in US stock market. My invest style is to buy-and-hold a good US's company stocks. I checked couple discount brokers. All ...
11
votes
3answers
900 views

How can I determine if my rate of return is “good” for the market I am in?

I am considering a small investment to get started with. What percent rate of return is considered to be good return on investments made in a stock market? I read somewhere that 25-30% is considered ...
4
votes
3answers
218 views

Margin when entered into a derivative contract

From Wikipedia In finance, a margin is collateral that the holder of a financial instrument has to deposit to cover some or all of the credit risk of their counterparty (most often their ...
4
votes
2answers
114 views

Which shareholders cause news-driven whole market stock swings?

Today the DJIA dropped 275 points and some media entities ascribed this to U.S. unemployment figures, also released today, particularly amid other ongoing news about European economic problems. ...
2
votes
2answers
270 views

Are company dividend reinvestment plans (DRIP) limited to US citizens?

Im moving to the states in 5 months but would like to start investing in US companies, namely through dividend reinvestment schemes. Are these limited to US citizens or can I start investing from ...