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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504 views

Putting the gordon equation into practice

In his book "the investors manifesto", William Berstein explains how to use the Gordon equation to estimate expected real returns on stocks for stocks on the long run. The Gordon equation reads ...
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2answers
196 views

Where should a young student put their money?

I'm a young student with no student debt (my tuition is paid for, I've long since saved up enough.) I'm looking into my future and looking at investing in index funds or other sorts while I still live ...
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1answer
201 views

Can I withdraw unsettled funds?

I recently made a purchase of stock and made a good gain on it. However, i need the funds to make a purchase ASAP. Is it possible to withdraw the money from my cash-only brokerage account into my ...
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4answers
858 views

First Job, should I save or invest?

I just got my first real job and I'm wondering how much I should start saving. Is there a good percentage to start at based on personal experiences? And is it better to save my money or invest in a ...
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2answers
82 views

Settling before T+3?

If I am using an online broker, Merrill Edge, is it possible for my transaction to settle before the third day? I am confused on the settlement process, in theory, couldn't I settle the funds ...
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2answers
128 views

Is there a way to set a stop for a stock before you own it?

Here's the situation: I like to place buy orders when the market is closed. However, I do not like to wake up at 630 (pacific time) to set a stop order to sell the stock. Is it possible on merrill ...
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1answer
196 views

What are the costs of using home equity to invest in another property?

I'm wanting to find out some details of using the equity I have in my home to invest in another property. Specifically, about the costs of the loan(s) involved. I'm currently assuming I need a ...
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1answer
250 views

How to screen on Morningstar for GOLD rated mutual funds

How can I get a list of mutual funds for a given sector that are gold rated? I am referring to mutual funds that have the MorningStar gold rating symbol that indicates MorningStar advisers are ...
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4answers
590 views

Is there such a thing as “stock insurance”?

Can you buy insurance to mitigate the risk against a loss of investment when purchasing securities?
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2answers
183 views

What constitutes illegal insider trading?

The SEC defines illegal insider trading as: [...] buying or selling a security, in breach of a fiduciary duty or other relationship of trust and confidence, while in possession of material, ...
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4answers
969 views

250k USD in savings. What's next?

I'm 32 years old and just got married 1 year ago (hopefully won't be having children at least in the next 3 years). In the last years I got to save some money, which goes up to the total amount of ...
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1answer
155 views

Investment options in Australia

I am an Australian PR and say I have 10,000 AUD in my savings account. Currently my bank offers a 4% interest rate credited monthly to my account. I do not need access to this money for another 2 ...
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1answer
97 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 ...
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2answers
158 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 ...
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0answers
28 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 ...
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2answers
120 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) ...
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4answers
270 views

Problems with Enterprise Value and better valuation techniques

Enterprise Value is often cited as a better measure of valuation than Market Capitalization. The formula for Enterprise Value starts with Market Capitalization and then adds debt and subtracts cash ...
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2answers
191 views

How can I figure out how much to bid on a parking space?

A nearby condo building is auctioning off 65 parking spaces within the building with no minimum bid. The condo is in the middle of the business district in my city. I'm interested in investing in one ...
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2answers
725 views

What is the difference between direct plans and Institutional Plan?

When I look at ultra short term funds, I generally see at least these two options for a given fund house. If the fund house name is "ABC", then I generally see these 2 options: ABC Ultra Short Term ...
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4answers
1k views

Is there data and proof that a diversified portfolio can generate higher returns than the S&P 500 Index?

I wanted to ask a follow up questions to the questions linked below. Why would I want a diversified portfolio, versus throwing my investments into an index fund? I have a personal financial adviser ...
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2answers
83 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, ...
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1answer
115 views

How to buy short term and ultra short term bonds

I wanted to know how an individual can buy a short/ulta short term fund? Do i directly approach the agent/broker and deal through them? Like for example , if i want to buy Franklin templeton's short ...
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1answer
90 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?
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1answer
142 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 ...
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2answers
1k views

How could a company survive just on operations cash flow, i.e. no earnings?

Is this statement true? A company can usually survive for a time without earnings as long as cash flow from operations covers expenses and provides funds for growth. Doesn't operations ...
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5answers
3k views

Best way to invest money as a 22 year old?

I currently have a small sum of money of less than $1000, but will be reaching greater than $1000 over the summer due to a summer waiter job. I have been reading about the stock market, but so far I ...
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2answers
265 views

What are the lowest-expense index funds available to an EU citizen?

I see people talking about 0.05% expense ratios, presumably meaning the Vanguard S&P 500 fund. Vanguard advertises an average expense ratio of 0.19%. Sounds great. But the index funds from ...
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1answer
147 views

Making Sense Of This Sentence

Some random browsing brought me to the Wikipedia page on Financial Independence, and I'm having trouble making sense of something it says. Below is the whole extract, provided in full to make it easy ...
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1answer
64 views

How does an enlarged share base affect share price?

If a company has 100 million shares in circulation, each is trading at 5 dollars and has earnings per share at 25 cents, announces a 1 for 1 stock split (so there will be 200 million shares after the ...
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4answers
337 views

I have about 20 000 usd. How can invest them to do good in the world?

Here are my criteria: I'm looking for a passive investment Low risk/proven concept I accept a low roi. If I can beat inflation, that's enough I wish to put the money where they are actively doing ...
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1answer
197 views

How to evaluate investment risk in practical terms

I've seen previous questions about risk here and here, as well as read some stuff in books about similar ways of assessing risk. However, as discussed in one of those questions, a lot of the ...
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1answer
123 views

Evidence For/Against Real Estate Investing Vis-a-vis Investing in ETFs

Do people have good pieces of evidence about whether or not Real Estate is worth investing at all? What's a good measurement to decide this (e.g., simply looking at value increases?) If I have X ...
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0answers
58 views

Best way to get started as a young engineer student trying to get into the financial world [duplicate]

to start of with I want to explain my situation. I'm a young student in my early twenties in my last year to finish my bachelor in engineering. I have literally searched for months now on Google and ...
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2answers
140 views

Can an ETF's expense ratio (fees) change after I buy it?

In researching ETFs I've found a lot of dire warnings about expense ratios. Evidently, they can really eat up your money. Ok, so look for funds with low expense ratios. But, if I understand this ...
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2answers
566 views

Can you explain why it's better to invest now rather than waiting for the market to dip?

I'm interested in investing in domestic (e.g. S&P 500) and international index funds. My investing time period is 30-40 years. This is irrational, but I'm worried about investing now because the ...
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2answers
83 views

Investment property information resources

I'm thinking of buying some investment property, however I have no idea where to start with it. I understand that there are a few kinds of property investments and a bunch of laws and tax variations ...
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1answer
1k views

OTC Stocks - HUGE gains?

I'm a relatively new investor working with a virtual trading platform for the time-being. In my day to day activities, I have noticed the following four interesting OTC stocks: RLSPY GEAPO GEAPP ...
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4answers
276 views

What should I consider when I try to invest my money today for a larger immediate income stream that will secure my retirement?

If I only have about a few hundred dollars to invest each month, what are some methods I can use to grow my money long term? I'm willing to take risks if my ROI is substantial. So, if it can start ...
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16answers
10k views

I carelessly invested in a stock on a spike near the peak price. How can I salvage my investment?

I carelessly invested on stock on a spike (I have been persuaded by a family member) and now my investment value is really low, as you can see below. Is there anyway to salvage my investment for ...
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1answer
157 views

What is the coloring convention should I adopt for Buy and Sell

This might be more of a UX question, but since it relates to buying and selling of stocks, I wanted to ask if there is a standard coloring convention for Buy and Sell like we have for Up (Green) Down ...
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1answer
234 views

Buying Nasdaq stocks from outside United States

I want to invest in some companies listed on NASDAQ, but the financial intermediary firms in my country (Turkey) require high commission fees on transactions. Is there a reliable solution to make ...
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2answers
187 views

How to calculate ROI on investments? [duplicate]

I looked through the previous questions, and couldn't find one that quite addresses my question. If I start with $1000, and through investing it goes to $1200(100 shares at $10 go to $12), I can say I ...
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1answer
276 views

Does Vanguard grant admiral shares only on a per-account basis?

I want to hold Vanguard Total International Stock Index Fund in a Roth IRA and a taxable Vanguard account. Together they would total over $10k, but apart they would individually be under $10k. Both ...
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3answers
523 views

How to invest in stocks without using an intermediary like a broker? Can shares be bought direct?

I am looking to buy stocks but I would like to do so without a broker. From what I can tell, the exchanges are good ole boys clubs that require you know (or pay) someone in order to participate. Am I ...
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1answer
252 views

How to dollar-cost-average with a large amount of money in a savings account?

A risk-neutral person, intending to not reach the IRA retirement age, earning approx, $30,000 per year, in his late 20's has $100,000 in a savings account and wants to end up with: 80% Stock (of ...
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1answer
91 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 ...
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2answers
233 views

How can I calculate (approximate) the future value of my investments? Is this formula appropriate?

I want to check to see if I'm meeting my investment goals, so I want to project forward my assets given a growth rate and a monthly deposit amount. What is the best formula to use for this? Is this ...
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3answers
128 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: ... ...
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2answers
481 views

How does Vanguard determine the optimal asset allocation for their Target Retirement Funds?

Until 25 years before retirement, Vanguard Target Retirement Funds all have an identical asset allocation of 63% U.S. stocks, 27% international stocks, 8% U.S. bonds, and 2% international bonds. I ...
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3answers
226 views

Getting financial advice: Accountant vs. Investment Adviser vs. Internet/self-taught?

Previously, I was a simple case: I earned a salary, and I paid taxes. Therefore, I've been filing my own tax returns using online software. Now: + wife, + kid, + mortgage, + want to contribute to ...