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

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4
votes
1answer
146 views

Is this comparison of a 15-year vs. a 30-year mortgage reasonable?

My wife and I are thinking about purchasing a home at some point in the next few years, which has got me reading about mortgages and trying to think through what would make the most financial sense ...
2
votes
0answers
76 views

How should we organize our finances to effectively plan and prepare for an retirement in next 10 years?

How should we organize our finances to effectively plan and prepare for an retirement in next 10 years ?. My personal details are: Age 35, married with a 3 year old daughter IT consultant with a ...
0
votes
1answer
24 views

Investments as an NRI

I would like to gain clarification in regards to my investments made as a resident and also as a NRI (Non-Resident Indian). The investment done in mutual fund during the tenure being an resident was ...
3
votes
1answer
132 views

Structure of Final Bond Payment

If I buy a bond and hold it to maturity, will the final payment be dependent on the current price of the bond, or will it be the amount I originally paid?
2
votes
1answer
123 views

How can I track down physical gold bought by my grandpa, but held by the bank?

My understanding is that my Grandpa and Grandma bought a gold bar or a portion of a gold bar and were issued a receipt and the gold was either held by the bank that facilitated the deal or a third ...
0
votes
0answers
42 views

Where to find average monthly return of a Mutual fund

This page describes volatility of the S&P index. http://www.businessinsider.com/average-monthly-returns-since-1929-2013-8 Im looking for a tool that will do this for a Mutual fund and possibly ...
0
votes
0answers
50 views

Why is a 2-year bond not a good store of nominal value?

I was recently confronted with the following question: Which of the following is not a good store of nominal value? a: checking deposit b: savings deposit c: 1 2-year bond d: a 3-month CD The ...
1
vote
0answers
30 views

Investment partition for German student

Currently I am a student and planning to finish in about 6 month. At the moment I have a monthly income between 1000 EUR and 2000 EUR and are saving about 70% of it. I have savings of about 52k EUR ...
0
votes
1answer
19 views

what % of intl should be in China equity mutual funds right now? [closed]

Mutual funds investing in China equity seem to be the strongest growing Intl equity mutual funds. What percentage of my international equity mutual funds should I move to China equity mutual funds ?
3
votes
1answer
46 views

Income tax loss credit after depreciation on negatively geared property

In Australia, my personal taxable income for a particular financial year before calculating depreciation on an investment property is very low (close to but above $0). This is after adding all rental ...
-6
votes
1answer
80 views

Why are people from UAE and Dubai so rich? [closed]

I went to Dubaï and I must say that everyone seems to be millionaire there. But I assume that not every people owns an oil company... so How do they get rich just by living there?
4
votes
4answers
536 views

Retirement - Annuity or not?

I have a pension worth around £150k and am due to retire soon. With the new pension rules in the UK, what would be some good options to maximise my income post-retirement? Annuity - I will be ...
1
vote
1answer
171 views

Investing money 101

I feel really bad for posting this because I'm completly unable to make a proper search about my question. There is a very high chance that this is more than duplicate, and I apologize. I would like ...
0
votes
2answers
34 views

Is forward P/E calculated using current price(if yes, how useful is it)?

From my understanding, F1/F2 P/E is calculated using forward estimated EPS. And It seems to be impossible to predict future price (otherwise everyone just follow the Est. price) However, if it's ...
-2
votes
1answer
70 views

Best places to invest money for fixed monthly return [closed]

Wat are the best palces to invest money from there I get fixed monthly income.
0
votes
1answer
45 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
44 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
4k 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
2answers
124 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
104 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
63 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
40 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
132 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
122 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
58 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
85 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
99 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
132 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
97 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
256 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
76 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
191 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
630 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
89 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
64 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
79 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
120 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
71 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
40 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
198 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
56 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
162 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 ...
8
votes
1answer
546 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
41 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
58 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
52 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 ...