Use this tag for questions that relate to an investment you have made, plan on making, or have seen discussed.
1
vote
2answers
38 views
Which expenses eat up investments the most: sales charge (front / back-end load), foreign exchange spread, or expense ratio?
I am a bit confused as to which expenses eat up most of the investment.
Some brokers have low sales commission but the foreign exchange spread is high. Some have higher sales commission but lower ...
0
votes
1answer
37 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 ...
4
votes
2answers
79 views
What happens to your investment if the broker (which acts as a custodian) goes bankrupt?
For instance, you purchased ETFs using a broker that also acts as a custodian, what will happen to your investment in case the broker / custodian goes bankrupt? Will you lose all your investments?
...
-3
votes
0answers
30 views
non-tax-resident of Canada pay taxes for investment account earnings? [duplicate]
I am a Canadian citizen working overseas permanently with no ties to Canada (no family, no house, no jobs, no licenses). This makes me a non-tax-resident (meaning I report the taxes to my current ...
4
votes
1answer
54 views
Non-tax-resident of Canada needs to pay taxes for investment account earnings?
if a person were to be a non-resident of Canada without jobs, a spouse, kids, asset (houses, cars etc.) in Canada, then that person would not be obliged to file a tax report. However, if that person ...
0
votes
1answer
49 views
Comparing Investments: Selling land vs. starting a business
I have a situation where I need to compare some investing alternatives.
We and my partners own a piece of land with high commercial value, that was bought 7 years ago. Now the real estate market ...
1
vote
1answer
51 views
When estimating revenue from the sales of a new product, should I subtract the lost sales of the old product it replaces? [closed]
I'm deciding whether or not to invest in a project which will add a new production line to my light bulb manufacturing factory. The new production line will produce brighter and longer lasting light ...
-2
votes
0answers
56 views
My boss is offering me and other employees shares or profit sharing in the company [closed]
The last few months at my company have made me worried. I work for a small software development company, there were 5 of us: 2 techy's, 2 developers and my boss. 1 tech left leaving me to cover her ...
3
votes
1answer
51 views
What is the process through which a cash stock transaction clears?
When selling stocks through a "cash" account through a brokerage, it takes about 3-4 days for the amount to clear and be available for reinvestment.
I'm assuming the is a process through which the ...
3
votes
1answer
69 views
Expected total principal + gains from a vanguard life cycle account upon retirement after 33 years?
If one maxes out his Roth IRA starting from age 26, investing only into a vanguard target 2045 (lifecycle) fund, what amount can he expect to withdraw at retirement at age 59?
I did a quick check ...
3
votes
1answer
76 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 ...
-2
votes
1answer
80 views
Any good software for value investment?
Is there any good software that helps you analyze a company's performance by digging through their financial statments? I'd like to see a software can automatically collect and parse companies' ...
5
votes
1answer
37 views
Do I pay taxes on investment income in a traditional IRA?
I have a traditional IRA. I converted it to that during a rollover from a prior employer's 401k, because I wanted to do the investing myself. I am not making regular contributions to this IRA. Do I ...
0
votes
1answer
47 views
Should total revenue or profit be proportional to money x investment time
I'm currently supervising a project with investors, and the following problem arrived:
- How should I calculate the profits of each investor, i.e. should profit itself (after taxes and other ...
1
vote
0answers
32 views
How to evaluate different account (RRSP, TFSA, …) and investment types (equities, bonds, cash) combinations
If I make $1 tomorrow, I can put that $1 in several accounts:
Personal non-registered account
Personal RRSP account
Personal TFSA account
Pay down mortgage
Leave in corporation and take out later
...
1
vote
1answer
52 views
Companies with steady and high dividends
In what kind of companies would you invest if you want a steady stream of high dividends?
Is there other options than infrastructure companies? How would you compare different types of infrastructure ...
2
votes
5answers
222 views
Whether to prepay mortgage or invest in stocks
If at the end of the year, I have 10k in hand that I want to save/invest and these are my options:
1.Prepay into mortgage. Rate is 2.1%
2.Invest in stocks and I know I can get at least 7 % return.
...
0
votes
0answers
34 views
What are my options for mobile+cloud+web finance applications that handle budgeting, investments, and transactions?
This is primarily relevant to the United States.
I've tried:
USAA
Fidelity (FullView 3rd party tool)
Mint.com
Yodlee MoneyCenter
The problem with ALL of these is that I can't import transactions ...
1
vote
3answers
99 views
What are the minimum investment requirements for the S&P500 spyder (NYSE:SPY)?
The current price for the S&P500 SPDR ETF is about USD 150, so I would guess that I need approximately USD 15,000 to purchase the minimum lot of 100 shares, as well as the transaction costs, which ...
1
vote
2answers
145 views
Primerica: All it claims to be?
I've recently been contacted and had a conversation with a Primerica representative. Their claims of having the absolute best life insurance and getting above average returns on investments sounded ...
0
votes
1answer
71 views
What's the connection between P/E ratio and growth?
Is there an exact formula for that if we can predict the growth accurately?
For example:
Using discounted cash flow analysis, the impact of earnings growth and
inflation can be evaluated. Using ...
1
vote
1answer
192 views
How to protect liquid assets from risk of hyperinflation
I don't want to freeze my cash in any medium that would require me to look/wait for a buyer, wait for the collective investment fund to cash my shares as they take their allowance of time to cash them ...
0
votes
3answers
100 views
Does a bid and ask price exist for indices like the S&P500?
When buying a stock (say Google or Apple) at day 1 you pay the ask price of that day.
When selling the stock at day 6, you get the bid price of that day.
The return you made is given by [ ...
7
votes
1answer
142 views
Investments: Feds buying more treasury bonds? How does it affect Bonds (going up or down)?
I have set up a 401(k) and I have bonds.
When the Federal Reserve buys more treasuries (today's news) what's the effect on bonds?
Should I sell my bonds or buy more?
3
votes
3answers
284 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 ...
2
votes
1answer
57 views
How do I obtain the foreign equivalent of homeowner's insurance when buying a vacation home in another country?
I am considering purchasing a property in another country as a vacation home. I'll continue to live in the US (nation of citizenship), but may consider using the foreign home as a retirement locale, ...
1
vote
1answer
2k views
what is the meaning of allowing FDI in Insurance and pension funds
I want to know with respect to following news
http://www.hindustantimes.com/business-news/WorldEconomy/Pension-insurance-get-FDI-boost/Article1-939798.aspx
...
3
votes
1answer
144 views
Use my savings to pay out my mortgage on my rental apartment?
My rental apartment at this point is making me a 5% ROI per year. My bank is currently charging me a 5.87% Interest rate on the mortgage, which means I am putting from my pocket to keep this apartment ...
3
votes
1answer
279 views
Pay off mortgage or invest in high value saving account
I have a mortgage of 30 yrs amortization and have 290k left on the mortgage. It suddenly hit me that with my bi weekly payment of 620, it would take forever to pay it off.
I need some help deciding if ...
1
vote
0answers
67 views
Appropriate asset allocation for an entrepeneur's portfolio?
I'm a recent college grad (computer science). I was lucky enough to get into some good investments in college and now have $450K in liquid assets. I've decided I'm definitely moving to San Francisco.
...
5
votes
4answers
624 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 ...
6
votes
1answer
218 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 ...
11
votes
3answers
365 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
184 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 ...
0
votes
1answer
188 views
What doe IPO and FPO mean? Are they related to Equity services?
Are the terms 'IPO' and 'FPO' related to equity? If so, how? Are they related to any kind of investments?
2
votes
1answer
139 views
What is Chit funds. And how to invest in it?
I have heard a lot about this northern part of India, but no idea about this type of investment please share your views about this type of investment.
1
vote
1answer
146 views
Governments Debt/GDP and Budget (deficit/surplus), how to read the figures to decide what bonds to buy?
After searching for hours on Google I found these two great tables (theya are also sortable):
list of Government Debt to GDP ratio
list of Government budget (I took hours to find this because I ...
8
votes
1answer
2k views
I am a small retail investor. Can I invest in the Facebook IPO at the IPO price? [duplicate]
Possible Duplicate:
How can I purchase Skype stock during the IPO?
I've heard that only big institutional investors will be able to purchase Facebook shares at the Facebook IPO price. A ...
0
votes
1answer
40 views
How do the returns generated via Equity/Debt investment differ from the returns from a Mutual Fund based on Equity/Debt?
My point is as both involve equities/debts(direct investment) in the main role, how is it that Equity/Debt is considered as a high returns/high risk venture and Mutual Fund a low risk/ low return ...
3
votes
4answers
144 views
Economics of buy-to-let (investment) flats
I'm trying to figure out whether it is a good business to buy a flat and rent it out.
These are the numbers I have so far:
Costs
Property: 150,000
Downpayment (30%) : 45,000
Interest ...
6
votes
2answers
96 views
How are active ETFs possible?
I'm having trouble wrapping my head around how it's possible to have these new active ETFs. How do they operate, realistically?
I mean, the point of ETFs (as a structure) is that arbitrageurs can ...
3
votes
0answers
71 views
Foreign tax credit carryover w/o having filed previously?
I owned VGTSX for years now but only in year 2011 was it a requirement for me to file taxes.
Can I claim foreign tax credit carryovers for past years even though I didn't file taxes during those ...
2
votes
1answer
66 views
Withdrawing qualified HSA expenses many years later, to earn interest?
Say I have $2000 in my HSA account and have a $1000 medical bill in 2012. If I were to pay the $1000 bill out of pocket and let that $1k left earn interest in my HSA for a significant amount of time ...
3
votes
3answers
332 views
Does this plan make any sense for early 20s investments?
I am currently a sophomore in college and will earn about $4000 from a part-time job in the spring. I was hoping to open up a mutual fund via a Roth IRA from Fidelity after I get all my money since ...
0
votes
3answers
581 views
Different ways of looking at P/E Ratio vs EPS
Would it be valid to assume that a stock with a low P/E ratio and also very high EPS is, generally speaking, a better purchase than a stock with that same P/E but lower EPS?
My reasoning for this is ...
0
votes
2answers
75 views
Can capital gains be used to fund an IRA with tax advantages?
This may be a naive question, but to me this seems like it should work.
Say I earn $1,000 this year in capital gains from selling some stock that appreciated. I think this is taxed at the capital ...
0
votes
3answers
135 views
How do I prepare for the possible inflation of the euro?
Lately there's been a lot of fear being spread about the health of the Euro. I am not panicking, but I'm a bit worried about my savings. So here's my question. What is the best way to prepare for the ...
12
votes
6answers
952 views
Would it make sense to buy a rental property as an LLC and not in my own name?
I'm considering buying a rental property. Would it make sense forming an LLC and purchasing it in the name of my company, rather than owning it directly?
Considerations:
pros:
I don't want my name ...
2
votes
3answers
218 views
When does a low PE ratio not indicate a good stock?
I buy stocks mostly based on low PE ratio. Are there situations where a stock is a bad buy in spite of having a low PE? What's the next major stat I should look for before concluding?
6
votes
6answers
353 views
Smart to buy a house in college?
My brother and I are still in college, but we have quite a bit of money saved up from various online businesses we own. We are looking at places to stay next year and are considering purchasing a ...
