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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1
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2answers
148 views

Investment in mutual fund in India for long term goals

I am first time planning to invest in mutual funds. My goal is long term investment. I am 32, married & from India. I would like to invest Rs 10K per month in SIP mode. On reading couple of ...
11
votes
7answers
964 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? ...
0
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0answers
20 views

Investment platforms like Robinhood in the UK [closed]

Which platforms (preferably mobile) would you recommend for investing? I've noticed "Rubicon", an alternative to "Robinhood", however, it has no reviews and noone's heard about it.
4
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2answers
197 views

How would one follow the “smart money” when people use that term?

From time to time, articles talk about following the "smart money". My question is: What indicators or sectors do we look at that is considered the "smart money"? If everyone is following the smart ...
0
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0answers
17 views

Which operating margin metric includes stock's dividend payouts?

Using for example Google Financial's stock screener I am able to sort and filter with following margin metrics: Net profit margin Gross margin EBITD margin Operating margin Now could someone ...
5
votes
4answers
443 views

How should I begin investing real money as a student?

(Skip to the 3rd paragraph for the basics.) Alright, so for starters, I'm in high school. I'm 17 and have two jobs: one is for fun, basically, and the other is a job that I can live off of. I go to ...
2
votes
6answers
752 views

What should I do with my money?

I'm a final year University student with about 50k (AUD) in the bank earning interest at 2.8%. I have nearly finished my paid full time placement which is why I have a lot of money currently as I ...
5
votes
3answers
325 views

What is the smallest amount worth investing in index funds?

Say I have just a few hundred dollars available which I want to invest long-term. I'm still saving money and putting it aside each paycheck, so if I wait 6 months I'll have a few hundred more to ...
4
votes
4answers
165 views

Unmarried couple, should we open a joint investment account or separate accounts?

My partner and I are unmarried and will be remaining that way. We want to finally start an investment portfolio and taking advantage of things like IRAs etc. I will be managing the portfolio(s) for ...
2
votes
3answers
666 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 ...
2
votes
1answer
160 views

Home buying vs Investing

Note: I've read a few similar questions around the site but many are investment focused only and don't factor in housing questions. Right now, my husband and I are pulling in about $50k/year. My ...
1
vote
2answers
173 views

Highstreet bank fund, custom ETF or Nutmeg?

I want to start investing a regular monthly amount to a fund, and by choosing a highstreet bank fund I'm wondering if I'm not making a mistake. Basically, the fund they are trying to sell has, in ...
0
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1answer
56 views

Looking for advice on my first investment [duplicate]

I am 32 years old and single, looking for some advice on what I can do with about $10k for my first investment. I currently just have it sitting in the bank and would prefer to use some type of ...
2
votes
3answers
515 views

Does girlfriend have too much savings, time to invest?

My girlfriend is quite frugal and has successfully maintained an emergency fund of about $15,000 with an "incidentals" account that sits around $3,000. She does not earn a lot of money, about $35,...
4
votes
3answers
285 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
5answers
499 views

Long term investment for money

I have some money I would like to put into very long term savings. At least 40+ years. What's the best way to save the money? I would like to accrue as much interest as possible and get a headstart ...
3
votes
1answer
188 views

21 years old and saved up $20,000 from working. What should I do with it?

My main concern is making the $20,000 that I currently have saved, substantially grow. - I currently am able to put roughly $500 into my savings at a bi-weekly period due to my part time job. - I am ...
2
votes
1answer
107 views

Best book to learn about stock market and investing for an absolute beginner? [closed]

I'm looking for a book to read that will teach me about the stock market and investing (how to determine the health of a company and its stock, etc.)... starting from the bare basics. To give you an ...
5
votes
3answers
307 views

Is investing exlusively in a small-cap index fund a wise investment?

I'm 26 live in the UK and do not own a home. I have a regular income of which I save about 33% off after tax and I've good job security. I'm single with no children. I've 60% of my savings in a P2P ...
3
votes
5answers
1k views
191
votes
13answers
32k views

Best way to start investing, for a young person just starting their career?

I am young, just started my career, and looking to begin investing so I can make my money work for me. I'm still living like I did in college (occasional purchase on myself, but most of it goes into ...
9
votes
4answers
2k views

Can I buy stocks directly from a public company?

Is it possible to buy stock directly from a public company, bypassing a broker? It seems that discount brokers do nothing more than facilitate a trade and take a cut - I'd like to eliminate the ...
57
votes
7answers
10k views

Oversimplify it for me: the correct order of investing

I have been reading the top posts here, and the recommendations for what to invest in are often similar. What I'd like to know, in as simply of terms as possible, is what the consensus is on priority ...
2
votes
0answers
70 views

Where do i start to become a successful day trader? [closed]

Alright let's start by introducing myself: I am a 18 year old student that studies ICT but now i feel like i chose the wrong career path and i want something new in my life. I have always been ...
2
votes
1answer
140 views

Age 24, with $12k saved, in Canada. Should I invest or save for a condo down payment? [closed]

Not to finance-savvy. I am 24 years old with about $12k saved. Working full time. No debt. No investments. What should I be investing in at this age? I was thinking of saving about 20 percent down ...
3
votes
4answers
377 views

Basic questions about investing in stocks

I've had some questions regarding stocks that have been bothering me for a while. They are naive, but that is the whole point: to understand what they are and fix my misconceptions. What is a stock? ...
3
votes
1answer
231 views

What is down -34% in stock terms?

Apple is now at 100.54, all time high is 134.54, #AAPL is now down -34%. I fail to comprehend the above sentence. The way I usually interpret it, say if a stock all time high is 100, it is down 30%, ...
5
votes
2answers
186 views

How to start investing for an immigrant?

All the below description is just to clarify my current situation. I am a 27 y.o. single male immigrant from the third world (in a process of applying for a green card) who works as a developer ...
21
votes
11answers
3k views

Why is property investment good if properties de-valuate over time?

So I was reading that investing in property is a safe and solid investment (but low on return). This is based on how the prices rise e.g. a property price in the 1980's vs 1990's vs 2000's vs 2015. To ...
1
vote
1answer
105 views

How can I compare the risk of different investing opportunities?

I have some money to invest and I consider different investing options. For instance I could: Let the money on a tax-free account 0.75% per year (the % can be changed by the state if inflation is ...
0
votes
2answers
426 views

Learn investing as a programmer [closed]

How much can a software developer learn about individual investing from being employed developing financial software? A few examples of such software would be the Bloomberg Terminal, charting ...
8
votes
4answers
586 views

As a young adult, what can I be doing with my excess income?

I am a 20 year old living in the UK. I've had a look at my monthly incomings/outgoing and have realised I have approx £400-600 (~$600-$900) to spare per month, and that at the minute I'm just ...
3
votes
3answers
297 views

Effective returns on investment in housing vs other financial instruments

In One Up on Wall Street, Peter Lynch recommends housing as the best first investment: Because of leverage, if you buy a $100,000 house for 20 percent down and the value of the house increases ...
31
votes
4answers
4k views

Should I invest when in debt?

I have just consolidated my debt and am thinking where I want to be in the future. My payment plan is to be debt-free in three years. It is not an extremely aggressive plan; I still want to have a ...
4
votes
3answers
152 views

Should I replace bonds in a passive investment strategy

In a passive investment portfolio one usually has some sort of mix between stocks and bonds which are supposed to offset losses from each other. I've read that because of low interest rates persisting ...
0
votes
1answer
79 views

Buying shares- Stocks & Shares ISA, or Fund & Share account?

While researching where to invest some capital (currently in fixed term savings, but will mature soon), someone I spoke to at my bank mentioned that given how low interest rates are on savings at the ...
7
votes
1answer
1k views

Turning 30 and making the right decision with my savings and purchasing home

I just turned 30, I have a job which paying me $100k in Los Angeles, I have zero debt, excellent credit score and $65k in my bank account. I am single and I am paying more than 30% in income tax (...
30
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15answers
9k views

Why invest for the long-term rather than buy and sell for quick, big gains?

Somewhat along the lines of this question. I've been putting mostly unmatched money into my 401(k) for a few years. I know that investing is generally seen as a long-term decision, but with volatile ...
0
votes
1answer
210 views

Best way to maximize current income from stock market as a low income person

Due to some health problems it is quite difficult for me to work full time. I get my income from odd jobs and on-line surveys. I was wondering what the best way to maximize some of that income. ...
2
votes
3answers
622 views

Any Tips on How to Get the Highest Returns Within 4 Months by Investing in Stocks? [closed]

I recently signed up for an investing competition at my school. The competition grants each competitor $1,000,000.00 (of virtual money), where we will be able to buy/sell any stock listed on the AMEX, ...
0
votes
3answers
401 views

Should I buy ~$2200 of a hot stock or invest elsewhere?

Right now I'm 23, decent job ($50k/yr), about $6k in the bank, and about $50k in debt (car loan, student loan, no credit card debt or other 'high interest' debt). I'm about to start putting roughly 8-...
3
votes
5answers
195 views

What things are important to consider when investing in one's company stock?

I have been invited to invest a portion of my monthly wages in stocks for the company I work for (they'll match 30% of my investment). I'm interested in putting away some money for my family as I have ...
2
votes
1answer
85 views

How to mitigate the risks of buying a stake in a company

I work for a small Limited company in the UK that's owned 100% by the MD. I'm one of the management team so have some influence over the direction of the company, but no directorship or ownership ...
6
votes
5answers
306 views

How to invest a $1000 in an index mutual fund?

My pre-teen daughter saved up a $1000 and I thought it might teach her how finances work if we invested it in a mutual fund. Specifically in an index fund like S&P 500 or some such. The problem ...
3
votes
2answers
87 views

What to do with monthly surpluses?

I live and work in México. Monthly, I have the half of my salary untouchable. I'm thinking on what is a good idea to invest with the surpluses. Is there anything that is recommended for this cases?
3
votes
1answer
108 views

Best way to do savings in India?

I have started to earn a year ago. All my funds are currently in banks. Is there any better way save money than leaving it in a bank account?
7
votes
3answers
578 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?
4
votes
4answers
294 views

What is good growth?

I want to start rolling rental income into the stock market more. I already max my company 401k so I don't mind something that isn't tax deferred. Up to this point I have been saving $5k and then ...
-5
votes
2answers
244 views

I'm 18. How to build good monthly income at my 20's?

I have 18 years , from a middle high class from Brazil. Finishing the high school this year, debt free with plans of studying and living overseas in the next years. I have access to about 20k dollars ...
1
vote
2answers
592 views

Why does a ETN that is supposed to track Crude Oil like UWTI show constant decline every year? And am I an idiot for investing in it?

UWTI, VelocityShares 3x Long Crude Oil ETN, which is supposed to track crude oil, shows a year over year negative return whether oil skyrockets or not. I thought it would be good investment with oil ...