Use this tag for questions that relate to an investment you have made, plan on making, or have seen discussed.

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-2
votes
1answer
45 views

Best places to invest money for fixed monthly return [on hold]

Wat are the best palces to invest money from there I get fixed monthly income.
0
votes
1answer
38 views

Recurring deposit in US banks

Do any of the US banks offer a recurring deposit, similar to the ones offered by Indian banks (HDFC, ICICI, SBI, and others)? Other than long-term investments, like 401k and IRA, is there a ...
1
vote
1answer
42 views

What is vested stock and yearly dividends?

I am not a financial specialist but my company has offered me several stock options. Under this agreement, I will get 25,000 shares immediately, after 180 days I get an additional 50,000 vested, and ...
21
votes
10answers
3k views

Student loan payments and opportunity costs

I'm about to graduate college and enter a very well-paid job in an inexpensive area. I am confident that I could repay my student loans much sooner than ten years, but I am wondering whether this is ...
2
votes
1answer
84 views

Is “affordable housing” being added across the street from my condo likely to decrease my condo's value?

I live in a pretty nice condo in a growing area. There are several open fields around my neighborhood, and the city has decided to build "affordable housing" apartments directly outside the perimeter ...
2
votes
2answers
86 views

What is the most common and profitable investment for a good retirement in Australia?

I've seen a whole lot of questions in this website about good retirement investments in a range of countries, but none asking about Australia. Let me explain a little further my doubts: I'm currently ...
-1
votes
1answer
57 views

Finance basic question

I have a problem at university level. The current dividend of a stock D is £10. Growth is expected to be 20% a year for three years and then 10% thereafter. The required rate of return is 25%. ...
0
votes
1answer
34 views

Why use ROI if I can use effective compount interest?

According to Wikipedia, return on investment = (gain from investment – cost of investment) / cost of investment However this calculation does not take into account the time passed between the ...
0
votes
1answer
39 views

Payment default penalties on annuities

Scenario You have an investment/retirement annuity through a broker with a life insurance company in which you have payed 10% of your salary for the past 4 years. The company you are working for is ...
1
vote
1answer
119 views

Do I need to pay tax if I earned 10 pounds interest from peer-to-peer investment?

If I earned 10 pounds in tax year 2014/15, do I need to pay tax? I just started investing in Funding Circle, I earned few pounds. This just looks silly to pay tax from 10 pounds but maybe that ...
-2
votes
3answers
115 views

What to do with $50,000?

I've been splitting my paycheck into two banks, 80% weighted towards a high yield savings account (0.9% interest) and a local credit union for ATM access to cash. All of my other payments are through ...
0
votes
1answer
49 views

Calculating a simply complicated return?

I have been tracking investments in a spreadsheet for some time. Each row is an equal time period, the balance includes dividends for that time period, and the transfers in our out for that time ...
0
votes
1answer
75 views

What's best investment option? Mutual fund or Property [duplicate]

I had purchased a home year ago and given it on rent. The rent I'm getting is only 5% of total cost of home while stock fund industry (mutual fund) is paying 20% minumum (reports from my country here ...
-2
votes
1answer
91 views

Sell your home and invest in growth stock mutual fund

I purchased a home and I made and agreement with a guy who is living in that home and paying me monthly rent. Since I live with my brother I don't have to live in my purchased home. The rent I'm ...
0
votes
0answers
25 views

Calculating return from an equity investment

I'm looking at supporting a company who is raising funding through a website by selling equity. The company is offering 2% equity at £1,000,000 which puts its value at £50,000,000. If I buy £1,000 ...
-4
votes
1answer
47 views

Is international online trading still premature? [closed]

I have an amount of money that I intend to invest online. Lately, I have been educating myself and reading about different brokers for different types of investment, mainly stocks (not CFD) and social ...
0
votes
3answers
119 views

What is the relationship between the earnings of a company and its stock price?

I have heard that people say the greater earning means greater intrinsic value of the company. Then, the stock price is largely based on the intrinsic value. So increasing intrinsic value due to ...
2
votes
1answer
88 views

should i cash some twenty year old EE savings bonds?

I have, let's say, $20,000 in series EE savings bonds, issued in 1995. As I understand it they were purchased for half their face value ($10,000) and have now matured to their full value since it's ...
2
votes
1answer
236 views

How to invest a small guaranteed monthly income?

I’m receiving a small guaranteed tax-free income of $260 (U.S. Dollars) a month for the rest of my life. The guaranteed income will go up at least 1.67% annually if not more. I’m feeling a bit ...
4
votes
1answer
72 views

Best way to make most of savings with ISA and Offset mortgage

I currently have an offset mortgage and also ISA stocks and shares account. The mortgage is only small as the property wasn't expensive and I placed a large deposit (40% of property) down. I have ...
4
votes
2answers
184 views

What else can I do aside from my job to accumulate wealth?

I have a 8-6 day job in which I trade most of my time in a day just for a mere wage of about 30k a year. I've found accumulating wealth through monthly wages too slow and works against me because I ...
11
votes
4answers
609 views

I guess I'm American (by birth). I'm Canadian… my investment company is asking an impossible question. I don't have an SSN, what to do? Lie?

When I was born (1976) they did not automatically assign SSNs to kids (according to my mother). I guess that's not the case now. I only lived there for a few years and I gather I am a US citizen by ...
2
votes
1answer
85 views

What happens with an accidental excess contribution to an ISA?

I handle joint internet banking for myself and my husband. Our online account happens to have been created using my husband's personal details. While logged in under this account (as usual) I ...
1
vote
2answers
62 views

Investments beyond RRSP and TFSA, in non-registered accounts?

I am Canadian, with income just below marginal higher rate. My RRSP contributions were always filled, and the rest went to extra mortgage payments. I just finished paying off the mortgage and will ...
0
votes
1answer
75 views

Can you replace Roth IRA contributions that you withdraw from the current year?

I know that if I remove principal from a Roth IRA for longer than 60 days from previous year's contributions, that I cannot put that back into the Roth IRA. However, assume I deposit 5500 in January ...
9
votes
1answer
2k views

Why do billionaires buy life insurance? [closed]

I hear and read a lot of people say that consumers should "Buy term and invest the difference." I also read that life insurance is a bad investment. Yet, when I did an Internet search, not only did I ...
2
votes
1answer
103 views

Investing in your own LLC - equity or debt

I am putting initial investments in my own LLC, and as I started accounting I want to know how to treat it better - make it a loan to LLC or make it equity investment? It might take about half a year ...
0
votes
1answer
70 views

Investing in USD from the Eurozone (Jan 2015)

A local economics professor recommended opening a "checking account" (forex account?) in USD with euros. He estimates a 5 to 10% yearly growth in the EURO value of such an account. For instance, ...
0
votes
0answers
34 views

Taxes on offshore funds held in UK investment account

I am an italian citizen but UK resident and have an investment account with Fidelity in UK. I would like to invest in the Fidelity Euro Cash fund to gain exposure to EUR without adding other risks ...
2
votes
2answers
194 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 ...
1
vote
2answers
51 views

Net Cash Flows from Selling the Bond and Investing

I am a beginner finance student, i am having trouble understanding short sale.In this context the bond is priced at 960.00 and will give a future payment of 1000 1 yr from the day it was bought. I ...
1
vote
1answer
153 views

Sole employee of my own S-Corp - investment options? 401k, Roth, SEP?

I'm looking to start a retirement account and I'm looking for options that fit with my scenario. I'm the sole employee/owner of an S-Corp and as such, I give myself a W2 at the end of each year and ...
7
votes
1answer
499 views

If a startup receives investment money, does the startup founder/owner actually gain anything?

I am a bit confused on this topic. You hear a lot of stories now on how startup X received X million dollar from X VC firm. But I'm unsure whether the owners of the startup are actually 'making money' ...
0
votes
0answers
39 views

International Student in United Kingdom eligible to Invest

I am a International Student studying in London with a Tier 4 Student VISA. Am I eligible to invest in stocks, bonds or funds through brokers or banks in the United Kingdom? I tried to search Home ...
0
votes
1answer
55 views

Finance car with or with out a balloon payment

A person called "Bob" is considering buying a car and financing it over 5 years. He has the option to finance the car with a maximum balloon payment of 30%. When financed the load will have an ...
0
votes
1answer
48 views

How do these factors affect engagement rings as an investment?

I'm shopping around for an engagement ring. At the moment, I'm considering two options. From a "will she like it?" perspective consider them equal. (I say that because that is really the MOST ...
1
vote
1answer
55 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 ...
0
votes
2answers
470 views

List of Investments from safest to riskiest?

I am trying to hedge my portfolio and I want to see my options here. I am trying to list out some investments from the safest to the riskiest. I will list a few that I am aware about. Would be very ...
2
votes
2answers
495 views

How does the purchase of shares on the secondary market benefit the issuing company?

Purchasing common stock is often described as making an investment in the company. In exchange for this investment, you receive shares of the company's profits and, hopefully, you see some capital ...
0
votes
0answers
41 views

What investment options should I pick for my superannuation/retirement investments?

Right now, all my savings are in high interest (3.73%) savings accounts, and I've tried the stock market, but I have stopped for now due to my low capital not yielding enough to win against the broker ...
0
votes
0answers
60 views

Bringing money to UK for investment purposes

What are the tax implications on bringing money from abroad to UK for investment purposes on starting a private Ltd company (Rental business) and also for giving it is a loan to a actively running ...
0
votes
1answer
66 views

What are my investment options in Australia?

My current bank offers a 3.63% interest rate. I have about $7k in flexible money that I could put in potentially good investments. Right now, I'm only familiar with Term deposits, the stock market, ...
1
vote
2answers
142 views

Is it a good idea to accept a £2 million debt-based investment? [closed]

I am a co-founder of a tech startup which launched earlier this year, we have a live website and iOS app and are in the process of seeking investment to take the project to the next stage and start to ...
4
votes
1answer
217 views

As a Canadian, what should I invest in if I'm betting that the Canadian real estate will crash?

I apologize in advance if this question seems unethical as you may think I'm trying to profit from people's losses. I'm just trying to protect my investments. So here's my question: if I'm betting ...
0
votes
0answers
38 views

How are the sub-periods derrived in TWRR Daily Valuation?

I've been looking at the TWRR Daily Valuation method and I'm trying to understand how to break the total performance period into sub-periods when there are irregular cash flows. As the article ...
5
votes
1answer
83 views

How does ISA allowance cumulate over time?

I don't understand how the ISA allowance cumulate (if it does) over time. Suppose I use the entire allowance for 2014. So I will have in the ISA 15k £. What happens in 2015? Suppose no P&L was ...
1
vote
1answer
108 views

Which is better: Guaranteed 7% or projected/historical 8%

In deciding between maxing out 7% interest rate student loan repayment on the other hand, and investing in a SPY ETF on the other there are essentially two factors: 1) Is a projected/historical 8% ...
2
votes
3answers
100 views

How does investment into a private company work?

My question is inspired by Dragons' Den, an investment TV show in Britain, where an entrepreneur asks investors for money. The entrepreneur (E) goes on the show and says, "I want 100k for 25% of my ...
3
votes
3answers
224 views

What are some quick test to check whether a company is in healthy financial status

Usually, before deciding to invest in a company, I prefer to to look at 2 figures in their balance sheet Current asset Current liabilities Very often, I assume the company with Current asset > ...
1
vote
2answers
130 views

Does working in finance firms improve a person's finance knowledge?

I would like to know whether it is possible to gain personal finance knowledge if a person works in a good finance firm where he comes across many financial models.