For questions relating to beginning investing. It should normally be used with other tags to clarify the area that it relates to.

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2
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1answer
49 views

Start Investing - France

I live in France and I am 20. I am in my 3rd year of computer science degree. Not working regularly yet ! I would like to start investing my savings into something profitale. I currently have a LDD, ...
1
vote
1answer
38 views

What is the best way to invest in US stocks from India?

Being an Indian citizen, I would like to trade in US stock markets (i.e. in NASDAQ and NYSE) Is that possible?
2
votes
2answers
120 views

Good habits pertaining to personal finance for someone just getting started?

I'm in college right now. I'm in my 20s and will graduate next year. I haven't invested in any funds/stocks or anything of that sort. I am not working currently (part time or full time) — well, ...
0
votes
1answer
52 views

Buy and sell stock at specific earnings

I have been invested in a telecom stock for the past year. I buy the stock at ~$5.00 and sell the stock at ~$5.15. I'm roughly on a bi-weekly rotation - sometimes shorter depending on how the ...
2
votes
1answer
152 views

What to invest in with low capital?

I am a recent college graduate, and have a stable job now. I do not waste my money on useless things, so now I have a decent amount saved up (around $50,000). I noticed that my money is just being ...
0
votes
2answers
131 views

Short Term investments without interest

I am new to investing, and am looking for what is the best way to invest. Due to religious reasons I do not want to make money by interest. Are there any other ways to get a decent amount of earnings ...
0
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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 ...
0
votes
1answer
95 views

Traditional firms vs. Computer managed firms for investing

What are the short term (3-5 years) and long term (5-15years) advantages/disadvantages traditional vs. Computer managed investment firm.
17
votes
5answers
4k views

How exactly does dealing in stock make me money?

Soon I will be coming into a bit of extra money. Rather than simply sticking it in a savings account I would like to make my money work for me and getting into stock seems to be a good way to do that. ...
12
votes
5answers
1k views

Why might a robo-advisor service like Betterment be preferable to just buying a single well-performing index fund like SPY?

Edit: I think it would be beneficial for any answers to include whether the answerer uses a diversified portfolio or not in their own finances, and whether they have any affiliation with Betterment or ...
-1
votes
1answer
197 views

Asset Allocation and Timing with a Cash Windfall in Q1 2015

Alright so I'm 30 years old. I'm sitting on cash to invest for the long haul. It's decision time. Here is what I have learned from my research over the last few months: Proper asset allocation ...
2
votes
1answer
271 views

If I can invest $100 a month, is it better to choose Vanguard S&P 500 ETF or Betterment

If I can invest $100 a month, is it better to choose Vanguard S&P 500 ETF or Betterment? I can put down a max initial investment of $1000, and may pull out the investments when the market looks ...
1
vote
1answer
79 views

How poor an idea is it to transfer out of an ISA before the interest is paid?

I currently have a Barclays issue 1 ISA, with around £8000 in it. I opened it in August 2014, and it pays 1.29% AER/1.28% tax free pa. At the time of opening it, I hadn't researched investments and ...
5
votes
5answers
433 views

23 and on my own, what should I be doing?

So I graduated in May with a Computer Engineering degree and started work in September at a major bank located in Jersey City and moved in with a couple of college friends in an apartment in Astoria, ...
0
votes
1answer
37 views

What does the divided income number signify?

This mutual fund has a distribution at the end of every month. For example, the income dividend for October 2014 was 0.0301. Assuming I hold $x worth of units in this fund, what would my ...
0
votes
2answers
123 views

First time homebuyer/investor: How to best allocate money towards paying off mortgage?

I am 23 with no debt and planning on purchasing a house. I've been running through many hypotheticals and decided to post an example to see what others think since this is a significant decision. I ...
8
votes
4answers
523 views

Why are some funds only recommended for investors starting out?

I am 23 years old and have been in industry for a couple years and my savings have grown to an amount whereby GIC's are no longer good enough. Since I bank with TD Canada Trust, there seems to be a ...
1
vote
1answer
77 views

How to determine mortgage or rent payment

I used to know a formula for determining P. I. T. I. (principal, interest, taxes, insurance) payments being $(interest rate x 100) for every $1000 of home value. Does this still apply as the best way ...
2
votes
1answer
137 views

Starting non-retirement investment account

I would like to start investing in a non-retirement account. I have: A 401k through my employer I'm contributing to with Vanguard A 529 for my two daughters, three and five, I'm contributing to with ...
16
votes
7answers
1k views

Investing small amounts at regular intervals while minimizing fees?

My daughter is about to turn one year old and I'd like to start some sort of investment account for her. The purpose would be to invest her birthday and gift money into the stock market each year. I'd ...
1
vote
1answer
111 views

What retirement plans/options should i pick for a relatively unstable career path?

Precursor: I work in the software industry and as such, I'm pretty subjected to the massive instability: possibly no demand, and also i don't expect to be able to keep up with the technology when i'm ...
8
votes
10answers
2k views

Ideal investments for a recent college grad with very high risk tolerance?

I recently graduated college and got a steady job making decent money as a software engineer/programmer. I make more than enough money to sustain myself and save up money, while still having money ...
8
votes
3answers
1k views

Ways to invest my saved money in Germany in a halal way?

I will be graduating soon from university with a masters degree in computer science. I will get a good salary when I start working and I will save about 1000 euros each month. However I'm looking for ...
3
votes
2answers
393 views

Investing in third world countries

I am working for an engineering company that allows me to travel to different third world countries. I am quite certain their are plenty of investment opportunities such as in restaurant, chains, real ...
1
vote
2answers
124 views

For Non US resident is it better to invest in a start up as a individual or as a company?

What are the tax implications of investing as a company versus as an individual for foreigners (Non US resident)in the US? Which would be better for a foreigner (NON US Citizen) to invest as.
1
vote
3answers
115 views

How do you figure out your investment objectives?

According to What is the best way to learn investing techniques?, you start investing by figuring out your investment objectives. What does this mean and how do you do it? Is it trying to figure out ...
5
votes
4answers
517 views

For young (lower-mid class) investors what percentage should be in individual stocks?

For relatively speaking young, middle / lower middle-class investors, what percentage of our investments should be individual stocks? I've done an excellent job keeping my credit outstanding and my ...
2
votes
1answer
184 views

Can I withdraw unsettled funds?

I recently made a purchase of stock and made a good gain on it. However, i need the funds to make a purchase ASAP. Is it possible to withdraw the money from my cash-only brokerage account into my ...
-1
votes
2answers
79 views

Settling before T+3?

If I am using an online broker, Merrill Edge, is it possible for my transaction to settle before the third day? I am confused on the settlement process, in theory, couldn't I settle the funds ...
3
votes
3answers
232 views

I want to invest in Gold. Where do I go and buy it?

I would like to invest in some Gold. The current rate of Gold is Rs 27,800/- per 10 grams. Some banks like HDFC offer gold but at a much higher inflated price of Rs 29,084/- Some of my questions ...
1
vote
0answers
58 views

Best way to get started as a young engineer student trying to get into the financial world [duplicate]

to start of with I want to explain my situation. I'm a young student in my early twenties in my last year to finish my bachelor in engineering. I have literally searched for months now on Google and ...
3
votes
1answer
155 views

What is the coloring convention should I adopt for Buy and Sell

This might be more of a UX question, but since it relates to buying and selling of stocks, I wanted to ask if there is a standard coloring convention for Buy and Sell like we have for Up (Green) Down ...
0
votes
2answers
186 views

Micro-Investing vs. cryptocurrencies vs. Forex trading

i am a student with a small monthly income. i wan to take about 20-10 % of it for a medium-risk investment , and i was wondering what would be the best option. my personal banker does not have an ...
4
votes
1answer
112 views

Investment for young expatriate professionals

I have read this thread Best way to start investing, for a young person just starting their career? and I was interested by many of its topics. I am myself a young professional and I am working in my ...
0
votes
1answer
56 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 ...
0
votes
1answer
62 views

Investing for the 18 yr old college student

I am an 18 year old full-time college student. I only work during the summer months. I am the beneficiary of an Inherited CD in the amount of $10,000.00. I would like to invest in something that has ...
7
votes
1answer
175 views

Transitioning from paper-trading (demo trading) to real trading?

I have two questions here: When one first starts trading, what are some things that one encounters that paper-trading does not prepare one for? The most common response I see for this question is, ...
6
votes
2answers
768 views

18 year old making $60k a year; how should I invest? Traditional or Roth IRA?

I've had a lot of questions regarding personal finance, and I figured this would be the best place to get some good answers. To start, I made over $60,000 in 2013 and just over $44,000 in 2012. I make ...
7
votes
3answers
319 views

I am a 23 yr old looking to open a Roth IRA. Should the fund I choose track the S&P?

Not sure what particular funds should be examined, including funds that track the S&P. Is it smart for me at a young age to choose a fund tracking the S&P?
3
votes
1answer
103 views

Can I invest in local businesses and infrastructure?

Is it possible to invest in such things like: A small "mom-and-pop" store A hospital A utility company A credit union etc. or infrastructure projects such as: Building new water or power lines ...
2
votes
1answer
1k 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 ...
0
votes
2answers
134 views

How does investors' finders fee work in the USA?

I am going to a few investors club in the US and I got approached by a person offering me a deal (buying a property that rent rooms) that will provide $3K monthly net cash flow. He initially called it ...
4
votes
1answer
91 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 ...
3
votes
1answer
129 views

What are stock indexed funds and how do they lower taxes?

I have read the Wikipedia page but I still don't get the concept. Who maintains the "index of a specific financial market"? For example, one index fund could invest in companies in the S&P 500, ...
2
votes
2answers
1k views

What do the terms par value, purchase price, call price, call date, and coupon rate mean in the context of bonds?

I am having a hard time understanding municipal bonds. What is the par value vs. purchase price? What is the call date? What is the call price? The coupon rate is just the interest paid out to you ...
3
votes
2answers
179 views

What happens if my order exceeds the bid or ask sizes?

What will happen if my order exceeds the bid or ask size? For example, if the bid or ask is 100 shares, but I want to buy 100,000 shares, is it possible to do so?
6
votes
1answer
1k views

As a beginner investor, should I start investing with mutual funds through my bank, or with an online broker?

I would like to give my first try in investing. So far, I found many useful materials to start with on the forum, so now I need some practice. For me there are two options to start investing. ...
0
votes
1answer
103 views

What factors you have do you count on to speculate effectively?

What are the factors that you consider if you want to make a thoughtful speculation decision (as thoughtful as being a speculator lets you be)? I can only count these: Market trends Patterns on the ...
2
votes
2answers
458 views

How to start investing/thinking about money as a young person?

I have about 10k GBP in my bank, and I know for most of you that is not a huge amount. However, I will finish university soon and I would like to have in the back of my mind about how to start ...
3
votes
3answers
780 views

I just made $50K from selling my house. How should I invest the proceeds?

I just made $50K from selling my house. I need some advice because I'm terribly bad at managing money and I'd like to invest a bit. My bank is harassing me – they want to sell me their product ...