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

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-3
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0answers
70 views

Stock Market or Life Insurance as Investment

I am faced with a question and I am not sure what category this falls under. It regards a financial decision of investing into the stock market $9,000 a year, assuming a growth of 3.5% CAGR for 15 ...
6
votes
5answers
159 views

CIBC bonds with negative return [duplicate]

There is a story on CBC that investors are lining up to buy bonds with negative return from Canadian Imperial Bank of Commerce (CIBC). I don't understand why they are doing so. Can someone explain ...
0
votes
3answers
359 views

Can someone remain as an unknown billionaire legally? [closed]

I'm Serious, Can someone remain like that ? I mean through undisclosed shares or any other financial ways.
4
votes
1answer
50 views

How does tax work for stock investment income in the United States?

Do I have to pay the stock investment income tax if I bought some stocks in 2016, it made some profits but I didn't sell them at the end of 2016? I bought some stocks in 2011, sold them in 2012 and ...
0
votes
0answers
24 views

Laws/consequences against reselling stocks? [duplicate]

Assume I buy 1000 Stocks in A at 09:00 for 100USD / piece And Sell them at 11:30 for 110USD/piece At 13:10 I buy 100 Stocks for 105USD in the same company have I done anything illegal (or contain ...
2
votes
1answer
31 views

Are there any financial instruments that offer a set real interest rate rather than a set interest rate?

Are there any financial instruments that offer a set real interest rate rather than a set interest rate? For example, an asset structured like this: The asset is purchased at an initial price $P$ and ...
1
vote
0answers
37 views

Is selling profits (a la Enron) legal? [migrated]

Reading through a summary of the Enron Scandal, one of the mentioned "ventures" that Enron took, was a joint venture with Blockbuster to provide online movie rentals. In secret however, Enron had set ...
1
vote
2answers
47 views

Time given future value of reoccurring deposit

I've recently come across the follow formula for calculating future value with reoccurring deposits formula. However, I have been unable to solve for t. I essentially want to find how long it will ...
-2
votes
0answers
20 views

How does HYIP work?

Having a look at any of HYIPs, It merely seems impossible to be able to understand the way they claim their business logic. Are there any fundamentals to be known around these? Few of the giants ...
0
votes
3answers
127 views

When a company liquidates, are earlier investors paid back first?

Let's say a company with multiple investors liquidates without any explicit agreements to handle this scenario. The company has less cash than the initial investments. Do the early investors get paid ...
32
votes
3answers
7k views

Can I profit from anticipating a drop in value?

Suppose there is an investment, such as a stock, which I currently own no units of. I predict this investment will soon drop in value. I have no reason to predict that the investment will bounce back ...
4
votes
4answers
131 views

Withdraw funds with penalty or bear high management fees for 10 years?

I have a friend in the following situation: They worked with an investment manager to invest $300,000. The manager charges 1.5% of assets under management quarterly. The manager has invested all the ...
3
votes
4answers
426 views

How are the best way to make and save money at 22 years old

I am currently 22 years old, I work as an insurance biller and make about 800-900 dollars every two weeks cash. I have no expenses because I still live with my parents but I'm trying to branch out on ...
1
vote
0answers
36 views

What's the understanding of acquisition costs in insurance? [closed]

Acquisition costs are defined as: Direct costs an insurer incurs to "acquire" the premium—for example, commissions paid to a broker or fronting company. These costs are required to be expensed ...
4
votes
3answers
185 views

How do gold sovereign coins compare to other gold investments? [UK]

I'm starting with the assumption that gold is sometimes useful for diversifying risk, responding to economic instability, or generally commodity trading. That stated, there are obviously different ...
1
vote
2answers
46 views

Types of investments with built-in puts or similar safety features

I recently learned of indexed universal life insurance. One of the features of this type of investment is that a portion of the funds are used for puts, so the investment rarely (never?) loses money ...
-1
votes
1answer
101 views

Borrowing money for investment

What do you consider the best way to: Borrow money from private investors against a fixed interest rate Use it to trade, yielding a higher return than the interest rate Pay off the investors with ...
1
vote
1answer
129 views

Alternatives to Bank Accounts

I have both a savings and checking account with Wells Fargo and I'm just getting disappointed by the fact that I don't get hardly any interest. Is there somewhere else I could stick my money so that ...
18
votes
3answers
3k views

Is Network Marketing a good place to invest money compared to SIP?

A friend of mine join a network marketing organization by investing 10,000 because his girlfriend is in it. He introduced his handler/manager and he gave a speech about how easy it is to earn by only ...
2
votes
2answers
174 views

How to manage 20 residential apartments

My friend's father (Say, Mr. X) in India had invested in a piece of land long time back. Two years back, he sold that land to a real estate builder. The agreement of the deal was the following: "The ...
35
votes
9answers
11k views

Is buying a lottery ticket considered an investment? [closed]

Can one consider the act of participating in a lottery (by buying tickets) as a high-risk high-return investment? Note: I do not consider this question to be duplicate of this one: question about ...
1
vote
1answer
28 views

Why does the calculation for IRR use revenue, not profit?

As far as I understand, IRR is calculated by finding the discount rate where the NPV equals zero. What I don't understand is why the revenue (or cash inflows) is used in the calculation instead of ...
0
votes
1answer
62 views

Starting a restaurant in UAE and need a working capital. How can I transfer money from a person who stays in India

I had already invested 1.5 lakh dirhams in UAE for a restaurant and need more working capital. Unable to arrange funds in UAE. Some people are ready to fund me the capital which I need from India at a ...
3
votes
2answers
133 views

What to ask Warren Buffet at the Berkshire Hathaway shareholder meeting? [closed]

I'm 16 years old, and I'm waking up at 4am tomorrow to hopefully be one of the first people in line to get into the Berkshire Hathaway meeting. If I get the chance to ask Warren a question, what ...
5
votes
3answers
332 views

What is the smallest amount worth investing in index funds?

Say I have just a few hundred dollars available which I want to invest long-term. I'm still saving money and putting it aside each paycheck, so if I wait 6 months I'll have a few hundred more to ...
0
votes
0answers
46 views

If some country joins EU will the house/land prices go up in more rate?

I read an article (not in English) that when e.g. Turkey joins EU the value of properties will dramatically increase, i.e. more than its current rate of increase of ~10-15% per year. How much this ...
0
votes
1answer
61 views

Looking for advice on my first investment [duplicate]

I am 32 years old and single, looking for some advice on what I can do with about $10k for my first investment. I currently just have it sitting in the bank and would prefer to use some type of ...
0
votes
1answer
52 views

Vanguard Hypothetical Growth and Dividends

I have a question on the two pictures below. Here it states that Vanguard REIT ETF has high potential for investment income and some growth. The dividend payments this year so far have been $0....
3
votes
1answer
74 views

Savings on taxes when selling rental property

I have rental property that I want to sell. The house was built in 1950; it needs major improvement that I am not able to afford. What's the best way to sell the house that would be cost effective for ...
4
votes
1answer
162 views

Getting retirement savings back on track after 30

I've largely ignored dealing with my finances in the past, mostly because I really, really hate dealing with them, and as a result have made some poor decisions. I've been making good money but I've ...
1
vote
1answer
45 views

Business Investment Loss from prior year

In 2011, I invested $30,000 into a restaurant. I was a passive investor. I wrote a personal check from my account to the business entity. A year later, the restaurant closed and all my money was ...
6
votes
2answers
92 views

When is it worth looking at charitable remainder trusts?

My alma mater, like many colleges and charities, offers the option for larger donations of setting up a charitable remainder trust. Basically, in exchange for your committing the donation while you're ...
5
votes
1answer
95 views

Does Investing in commodity helps to build home

I am from India. I have plan to build new own home next year. Now commodity price for metal (steel) is less than past years. Is it worth to buy steel from commodity now, then Is it possible to switch ...
1
vote
0answers
125 views

How does the Dominos DXP car benefit the company? [closed]

I was aware Dominos employees have to use their own cars for delivery. If Dominos starts using these new cars, how will the owners benefit if they have to purchase multiple of these cars?
9
votes
1answer
279 views

Should I worry too much about saving my 20% down before buying my first house?

I am not too sure when exactly am I going to be buying the house. I can safely say that it would be between 2-5 years. However, I have no idea on exactly when. It all depends on market conditions and ...
5
votes
2answers
112 views

Will a retirement account with more than $3,400 in it bar me from getting EITC?

EITC (earned income tax credit). Is a retirement account considered investment income by the IRS? The IRS considers these as investment income: Interest (both taxable and tax-exempt) Dividends ...
2
votes
2answers
164 views

What should I do financially if I suspect a housing bubble is arising and might soon burst?

Background In my country (Norway, though the same principles apply everywhere), there's a huge discrepancy between loans in terms of how much equity you need to put up when getting a housing mortgage....
3
votes
1answer
37 views

Consolidating TSPs: Military and Civilian

My wife has two TSPs, one from military service and one from her work as a civil servant. Now that she is no longer military or civil service, I understand we can roll one of these into the other. Is ...
0
votes
1answer
35 views

Will there be any complication at the time of withdrawal by opening Roth IRA as a non US citizen?

I am currently on a H1B visa. A senior colleague at my work recommended that I open a Roth IRA. I did some research and I like the idea of it, but I was unable to find answers to all of my questions. ...
35
votes
2answers
2k views

Where can I put savings for my kid that I literally cannot withdraw from?

I currently have a second savings account where I'm saving money for my child's future - most likely it will be used for their college and/or wedding. I've heard horror stories of parents stealing ...
6
votes
2answers
171 views

How is negative gearing a good thing?

In Australia investors buy investment properties that are negatively geared to save tax. A lot of articles on property investment say that one of the cons of having a positively geared property is you ...
3
votes
1answer
303 views

How to find an optimum linear combination of various investments?

Say an investor with 1 million dollars want to put his money on several investments. Say investment outcomes on those investments are $x_1, x_2, x_3, x_4, ... x_n$ The investor need to put w1 on x1, ...
0
votes
1answer
171 views

What's the folly with this stock selection strategy

I am very leery of investing in Stocks over here. I have tested some other Asian markets and gotten some returns. Rather than have my money depreciate (less interest than Current Inflation ), I'd ...
3
votes
1answer
62 views

What's the best way to deal with the market swings? [closed]

So I've been trading for a while. Having said that, the current bear markets are driving me to get some "deals". I think I bought some investments for a decent price. Having said that, I can't go ...
5
votes
3answers
133 views

Extended family investment or pay debt and save

I'm 25 and my wife is 24. My extended family is about to start a new investment fund, where every member basically contributes an amount between $50-$100 (amount per person) monthly. The purpose is to ...
13
votes
5answers
1k views

What is this type of risk-free investment called?

My mother told me that in 1994, she had $10K to put into a savings account or CD. She went to the local Citibank and didn't like the interest rates that they were offering on their savings/CD ...
0
votes
1answer
262 views

Calculating the Free Cash Flow (FCF)

I'm working on fundamental analysis on a public company, and am trying to calculate the Free Cash Flow for Facebook (FB) for the latest quarter - ending Sep 30, 2015, as shown below and would like to ...
91
votes
20answers
24k views

Are lottery tickets ever a wise investment provided the jackpot is large enough?

If the odds of winning a lottery jackpot are one in 292 million, and the jackpot prize is expected to be greater than than $1 billion, does this make a lottery ticket a wise investment? (source: http:/...
0
votes
1answer
65 views

What is it about company performance that causes the perceived value of its stock to rise? [duplicate]

Many stocks don't pay dividends, and it's not like a shareholder has any direct financial gain from increased company earnings. Plus, they can only benefit from earnings if the company goes bankrupt ...
-2
votes
1answer
102 views

Fundamentals Look Great, What Now? [closed]

So after days of fundamental analysis on hunderds of stocks, I've narrowed it down to three that seem really good. Their margins are good, ratios are good, EPS and P/E are good, etc. What is the next ...