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

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1
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1answer
36 views

Can I withdraw cash from selling investments before the settlement date?

If I sell stocks, will I be able to withdraw cash from the proceeds that same day or will I have to wait until the T+3 settlement date? Does it depend on the brokerage?
-4
votes
0answers
27 views

How do you convert this into EAR?

rate = 20% per 2 year compounding is monthly EAR = [1+(0.02/12)^(12/0.5)] - 1 is this how you would do it?
2
votes
2answers
195 views

I have $20k of imaginary gains from trading last year due to wash sale rules. Should/can I take mark to market?

I have traded for most of the year while I work at my full time job as a software developer. I am using it to augment my income. I like working in academia but it just doesn't pay that well! I started ...
1
vote
1answer
20 views

Rupee Cost Averaging (SIP) vs. Value Cost Averaging (VIP) in mutual funds?

Which one is a better option while investing in mutual funds? I think that investment via VIP would work only if the investment is target oriented, and if calculated manually.
3
votes
1answer
20 views

What exactly are the SEIS tax benefits and how can I use them?

I'm hoping that someone that understands the UK tax system better than I do can help explain in what way I can benefit from SEIS approved investments. I'm especially interested in understanding if ...
0
votes
1answer
40 views

PPF Account in Indian banks

I'm an indian citizen and about to open a PPF Account in a Nationalised bank. I have had enquiry in ICICI Bank and in SBI Bank today. Their interest rates are as 8.8 and 8.7 respectively. Can one ...
0
votes
1answer
17 views

Do we need to provide a TIN or ITIN in the W-8BEN form?

We are non-U.S. investors investing through an LLC into ventures. The ventures have operations in Brazil but some have Delaware holding companies. Do we need to provide a TIN or ITIN in the W-8BEN ...
0
votes
1answer
42 views

Relationship between Home, Net Worth, and REITs

Source: P215, ETF for Dummies, 2nd Ed (2011) by Russell Wild: Your residence, your portfolio If you bought your home for, say, $130,000 some 26 years ago, and that home is now worth $1.3 ...
3
votes
3answers
69 views

Source of income: from dividends vs sale of principal or security

Source: P172, P214, ETF for Dummies, 2nd Ed (2011) by Russell Wild: P172: First, if you need a steady stream of income, nothing is stopping you from creating artificial dividends by selling off ...
5
votes
1answer
107 views

Ownership in company and rounds of investment

I negotiated a deal with a startup when they wanted me to move overseas to work with them and I effectively received 2% ownership of the company plus a nice salary. The company is getting ready to ...
0
votes
1answer
27 views

What is the difference between Protected-equity loan vs Equity loan?

I cannot understand what a protected-equity loan is and how it is different from an equity loan. Please keep your explanation layman and easy to understand. It's a research question for class, for ...
4
votes
1answer
126 views

What risks am I taking if my well-off close friend is asking to use my credit to flip a property?

I have very good credit that I've worked hard to obtain. My friend has flipped a few properties and made some good money doing so. He wants to pay me a fee along with any taxes I'll endure if I put a ...
2
votes
1answer
47 views

Investing in DHA property in Queensland

I was interested in investing in DHA (Defence Housing Australia) properties in Queensland. Does anyone who may have any DHA investment properties within Queensland know how these properties have ...
3
votes
3answers
161 views

Retirement & asset allocation of $30K for 30 year old single guy

Recently came into some money, 30K via inheritance, which I would like to invest. I Would like to put some if not all of it towards retirement, as I have no plans to touch the money for at least 10 ...
0
votes
1answer
107 views

Which mutual funds is Dave Ramsey talking about in The Total Money Makeover?

In the 2007 edition of Dave Ramsey's book The Total Money Makeover: A Proven Plan for Financial Fitness (ISBN 978-0-7852-8908-1), on pages xv & xvi, he states the following: Many intelligent ...
2
votes
1answer
212 views

Investment options for 18 year old?

I have no background in investing and I'm not American but I would like to know what are my investment options as a college student studying in the US. I have put a side $1000 but I have no idea how ...
1
vote
3answers
170 views

My first investment $15K

My knowledge of mutual fund investments is 1 month old. I have $15000 on top my emergency savings and I max out my Roth IRA in addition. So this money is just there earning 1% APY in a savings ...
2
votes
1answer
56 views

Fees aside, what factors could account for performance differences between U.S. large-cap index ETFs?

I'm regardful of the effects of Expense Ratios, but they range from 0.07% to 1.00% for the stocks therein. What other factors/reasons might explain and account for the prodigious difference in rates ...
4
votes
1answer
397 views

How did Bill Gates actually make his money?

This is something that has always made me curious as heck. I don't really understand how corporate system works so please forgive me if the answer is extremely obvious. I realize Microsoft's history, ...
4
votes
1answer
77 views

How do I maximise my returns when using margin in my brokerage account?

Suppose I have an investment account with $10,000 in it. I have a margin rate of 10% per year. For a total of $2.7 interest per day, or $1,000 per year. I can invest in a high risk ETF with returns ...
2
votes
3answers
119 views

When to start with year 0 and when with year 1 when calculating NPV?

I am calculating NPV for one investment plan. When should I start the calculation of NPV with year 0 and when with year 1? I know that the year 0 is like the year when the company is just starting up ...
2
votes
3answers
137 views

What is a good time to start investing in a targeted mutual fund?

Lets say I think a specific Index fund/Mutual fund is a good potential investment e.g. VHCOX, given its high growth rate in the past one year. Does it matter at what time I make the initial ...
1
vote
1answer
44 views

Help to understand some investment comments?

I am a foreigner in US and new to investment, and have trouble understanding a comment ...
2
votes
2answers
79 views

What criteria should I think about as I evaluate UK trading platforms?

I'm totally new to investing, and I'm looking to invest in some index tracker funds. Currently I have little idea about what to look for in an investment platform. For example, does HSBC's Investment ...
3
votes
1answer
72 views

Accounting Question - How Capital Investments are Tracked?

Based on the micro-balance sheet below - please help explain the following scenarios: 1st year we lost money - how will the capital account look at the end of the year? 1st year we break even - how ...
3
votes
1answer
228 views

What does the business term 'blue sky laws' mean? [closed]

I often hear 'blue sky laws' in reference to startup or early level businesses. What does it mean?
2
votes
1answer
938 views

What effect would currency devaluation have on my investments?

I am curious what effect currency devaluation has on the value of my various investments/assets. For instance, I have retirement savings in mutual funds, growth stocks, and bonds. First, let's ...
2
votes
1answer
347 views

Tax ID for an international student investing in U.S stocks

I am an international student studying at Villanova University in Philadelphia, PA. I am very interested in trying my luck at the U.S stock market. However, I do not work on campus and so do not have ...
2
votes
1answer
105 views

Company gets rid of bonus structure and replaces it with cash and options. What gives?

Here is how it went down and what they're offering me. What should I make of it/ask them about? 1) They are changing the bonus structure to allow me to get the payout IF we make a certain revenue ...
4
votes
1answer
74 views

Where can I buy bonds and other securities other than stocks?

I keep hearing that I can only buy bonds and other securities such as Treasury Bills from a broker...the thing is, I don't want to pay a broker (yet). I know I can buy stocks online through a trader ...
0
votes
1answer
308 views

How do I evaluate a potential investment in rental property?

I am looking to buy a long-term rental property. My objective is to maximize cash-flow. At this point I have a few figures, but I have no context to measure the numbers against: For example - This ...
1
vote
1answer
272 views

What's the best gold investment strategy for a Singapore resident?

I'd like to buy gold in small amounts (1 gm) when the prices are attractive, but I can't keep a watch on it. I'm buying gold as a long term investment / hedge, and I don't have plans to sell it. ...
4
votes
1answer
218 views

How do I find the value of British Energy Nuclear Power Notes?

I purchased British Energy shares when the company was floated on the stock exchange back in the late 90's. Now, many years on, I have ended up with Nuclear Power notes. I receive a quarterly ...
1
vote
4answers
141 views

I received some good advice recently, but what if you don't want to retire?

So I got a great answer to my question on how to become more financially responsible and fiscally secure, but one of the suggestions was to place some of my earnings into a retirement account. I'm not ...
1
vote
3answers
150 views

Why should I trust investment banks' ratings?

To me it does not make any sense to trust investment banks' (e.g. Goldman Sachs) so-called "price targets", I don't see how they would profit from actually helping retail investors. But it is trivial ...
4
votes
2answers
333 views

Are mutual funds a good choice for a medium to low risk investment with a two year horizon?

I have a two year investment horizon, and I will make regular monthly contributions. I prefer investment options with medium to low risk. Are mutual funds a good choice for such a short investment ...
6
votes
3answers
303 views

Sanity check on recommendations from a financial advisor

Recently my wife and I have decided that we make enough money to go see a financial advisor and see how we can be smarter with our money. The most important topic we discussed with the advisor was ...
3
votes
3answers
170 views

Investing: P/E Ratio basic question

I'm just starting out in investing so I apologize if this comes across as annoyingly simple question. I've just read about PE Ratio and I came across this video from investopedia P/E Ratio Video which ...
4
votes
1answer
208 views

What are good investments to use as hedges when the Federal Reserve draws down quantitative easing?

Basically I think it is quite obvious that quantitative easing (QE) will be pulled back eventually and countries will start to tighten their monetary policy. When that happens, what kind of assets ...
2
votes
1answer
86 views

How can I reduce the amount of tax I will pay on the sale of an investment property?

I'm selling an investment property. It is not eligible for a primary residence exemption. I am not interested in purchasing another investment property (i.e. doing a 1031 exchange). So I will pay ...
3
votes
3answers
1k views

What are the tax implications of selling an investment property?

I'm planning on selling an investment property (a condo in WA state). I've owned this property since 2004. I lived in it as my primary residence from 2004 to October of 2007. I'm planning on taking ...
2
votes
2answers
71 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
92 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
294 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? ...
4
votes
1answer
415 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 ...
4
votes
1answer
91 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
133 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 ...
6
votes
2answers
161 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 ...
1
vote
3answers
207 views

Any good software for value investment? [closed]

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
46 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 ...