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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3
votes
1answer
130 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
74 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
75 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
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 ...
0
votes
1answer
40 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
126 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, ...
5
votes
2answers
233 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
181 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
96 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
344 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
100 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
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
0answers
51 views

What are some books for a beginner investor? [duplicate]

Which books should I look into as a beginner investor? I have read through "How to invest $50 - $5000" which was good and I'm reading "The Intelligent Investor" By Graham now. Are there any other good ...
2
votes
1answer
116 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
426 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
125 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?
4
votes
1answer
571 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
76 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
299 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
2answers
426 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 ...
3
votes
2answers
235 views

Why are taxes on actively managed funds higher than those on index funds?

On this page I've found the following statement: Taxes on actively managed funds can be considerably higher than those on index funds. Why is that the case? Since both fund types consist of ...
4
votes
1answer
84 views

Can I invest in the housing market via the stock exchange?

Buying houses is expensive these days, and interest on mortgages is extortionate. Do investments via the stock market exist where you can invest in the housing market? Maybe shares in real ...
3
votes
1answer
220 views

Why might it be a bad idea to invest 100% of your 401(k) into a stock index fund?

Background: I'm a young 20-something, I won't be retiring for 40+ years, and the expense ratios for the funds offered in my company's 401(k) plan mostly suck. I understand that one of the reasons an ...
3
votes
2answers
118 views

Are there any benefits to investing with a group of friends vs. by myself?

Total newbie here... Are there any benefits to setting up an investment group/club between myself and three other friends, as opposed to doing it by myself? I am only talking small amounts, say $25 ...
1
vote
1answer
250 views

How should somebody just starting their career begin investing for short-term goals? [India]

I am young, just started my career, and looking to begin investing so I can make my money work for me. I know there are two types of investments: short term and long term. Could anyone provide some ...
1
vote
2answers
235 views

Investments other than CDs?

I have quite a lot of cash on hand, but I'm discouraged that I haven't been able to make my money work for me. I have no debt and live well within my means. I have an emergency fund in a savings ...
6
votes
1answer
155 views

Starting off as an investor

For 2 years I am alternating between 4 months of work and 4 months of school, so for the first time in my life, I have a lot more money than I need. I will be graduating in 15 months and am looking ...
2
votes
3answers
570 views

First time investor and online brokerage accounts

I have some extra money which I would like to start investing. I am a first time investor so I know very little about personal investing. I have about 1000 dollars to invest. I want to use an online ...
6
votes
2answers
419 views

Investment time horizon: When is it acceptable to withdraw money from investments?

I have received a windfall of 300K dollars. I am 23, have no debt, college educated. I want to have a mini retirement when I am ~40 years old. I plan on managing a diversified portfolio of index ...
9
votes
6answers
372 views

Understanding the phrase “afford to lose” better

The phrase, "Only invest what you can afford to lose", when put in quotes, generates 167,000 Google hits and seems to me like one of the hoariest maxims in investing. But what does it mean? ...
11
votes
3answers
897 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
1answer
122 views

Comparing Treasury Inflation Protected Securities (TIPS) vs Certificates of Deposit

I was wondering what the pros and cons are of choosing one versus the other. There are TIPS that seem to have a better yield than CDs and would therefore make for better places to park savings.
8
votes
3answers
136 views

Are there things I can be doing while waiting for an investment to mature?

I'm not going to be a day trader and I don't have enough time to be an active trader in the sense that I will not be making several trades a month. Instead I'm more of a buy and hold investor. I find ...
8
votes
9answers
4k views

New to investing — I have $20,000 cash saved, what should I do with it?

maybe someone can lend some advice. Background: I'm 28, married, and expecting my first child. Our short(ish)-term financial goal is to continue saving for a home. I'm wondering if I should take ...
17
votes
4answers
1k views

How do I invest and buy/sell stocks? What does “use a broker” mean?

This is an embarrassingly basic question. I'm a college student and know very, very little about the world of investing and purchasing stocks. I realize that some Googling could find me the answer ...
1
vote
1answer
89 views

Any diagramming techniques to help diversify/rebalance a portfolio of investments?

I was thinking about how to diversify a portfolio of investments and started scribbling a few diagrams down. I want to plan a diversified portfolio of stocks/investments so there maybe either a 50/50 ...
2
votes
2answers
74 views

Trading when you work for a market participant

I work in the IT department at a Futures FCM. While I'm aware that there are insider trading rules with respect to our company stock, I'm still not clear on what it means for my own participation in ...
6
votes
3answers
307 views

What factors affect the yield and “trade value” on an exchange of a junk bond ETF?

In an effort to further my grasp of financial derivatives available for speculation and losing money, I realize I need further understanding of how "high-yield corporate", aka junk bond ETF's, "work" ...
4
votes
2answers
262 views

investing - where to trade online? (Greek citizen)

I wanted to know if you could help me a bit because online searches didn't bring back many results (at least what I was looking for, ie non-Greek banks, etc). Can you recommend any sites where ...
0
votes
1answer
53 views

UK Shares in Gold? [duplicate]

Possible Duplicate: Investing in gold without holding physical gold Instead of buying actual gold, bringing it into your house, then worrying about it getting stolen. Is it possible to buy ...
10
votes
1answer
4k views

What does it mean if a company pays a quarterly dividend? How much would I get quarterly?

If I have a single share, lets say in Google which is currently worth 605.79. Lets say they pay out the dividends quarterly. What does that mean and how much would I get quarterly?
9
votes
2answers
303 views

How does compounding of annual interest work?

I have tried reading up on it, but I just find it confusing. Apparently, if you started investing $150/month at a 15% annual return and kept reinvesting the profits, here is what you would have ...
1
vote
2answers
220 views

Micro-investing: How to effectively invest frequent small amounts of money in equities?

I am planning to invest a tiny amount of money each month (less than $100) in some way. (I hope what begins as a small amount is more a confidence/skill builder [mainly for the benefit of the wife - ...
3
votes
1answer
209 views

Can you please explain what the information in this stock quote means?

I'm trying to understand shares as of "now", so I know more or less nothing about them. I have discovered this website: http://www.google.com/finance?q=microsoft I entered in microsoft and it comes ...
5
votes
3answers
877 views

I'm 23 and new to investing. How should I diversify my 401(k) based on my plan's choices?

My employer matches 100% of up to 4% of my gross salary. I want to contribute at least what is matched. I'm 23 and have a gross salary of $70k, and I know very little about this. I was hoping someone ...
7
votes
6answers
609 views

What is a good 5-year plan for a college student with $15k in the bank?

I have 15K in a USA Midwest bank called TCF. I am a college student, and after working at some internships I saved up some cash. I currently have the money in a savings account called "TCF® Premier ...
2
votes
2answers
115 views

Should I think of investing in infrastructure bonds right now?

I am a newbie as far as investment decisions are concerned. I will put a more detailed question later. Right now, I need to declare my investments for this financial year in advance. I will certainly ...
16
votes
7answers
1k views

Where to start with personal finance?

I am married with kids and starting to look hard at savings for retirement, buying a house and sending my kid to college (still a LONG way away). However, I am completely new to the world of finance ...
4
votes
2answers
65 views

Approaching graduation from college. When/if I should open an IRA?

I'm not very familiar with finances, however as I get to my undergrad being finished the more I feel I need to get acquainted with it. From what I've gathered from a few investing tips I've read ...
6
votes
2answers
94 views

Roth IRA for Students

I'm currently a graduate student who does not work aside from fellowship duties like TA-ing, grading, and such. My approximate income, therefore, is around $18k per year, minus around $2k for ...