Questions tagged [investing]

Investing is the process of buying assets such as securities, real estate and other items of value that will hopefully increase in value over time, providing a return in the form of income payments or capital gains.

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1answer
69 views

When is cash available to be withdrawn from Fidelity after selling stocks?

When is cash available to be withdrawn from Fidelity after selling ETFs and stocks?
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1answer
230 views

Buffett believes Bitcoin has no value and no future. Isn't it the same with stocks? [duplicate]

Just listened to Warren Buffett's thoughts on Bitcoin and he claims that Bitcoin is a non-producing asset which has no value. Buffet also points out that it is just the hope that others will be ...
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1answer
23 views

Margin Trading Questions (Reg T, Scaling in, Deposits)`

I'm researching how to effectively trade on margin and I'm having trouble visualizing some scenarios and I haven't been able to find anything online so any help would be greatly appreciated. Here are ...
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2answers
472 views

Do we get EPS (Earnings per share) if I buy Google's stock?

I am a newbie at investing. I just read that Google's IPO price was $85 per share. If I had invested $1000 to buy 11.76 shares at that time, then assuming that its stock price is $2,750 per share ...
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2answers
58 views

Where does the formula for terminal value come from?

I am a beginner investor and I had this doubt in DCF models of valuation. Where does the formula for terminal value even come from? Like I have seen this video: https://www.youtube.com/watch?v=...
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9answers
3k views

My ignorance keeps me awake at night (specifics below) [closed]

I feel like a financial idiot, and I'm worried that I might be overlooking opportunities and making big mistakes that I will regret later. So, I'm looking for a sanity check on my finances from people ...
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2answers
244 views

Friend has 90k USD after a home sale, use it to buy a new home in new location or pay down med school loans?

I have a friend. He is an up-and-coming doctor. This means he has about $160k in student loans. The interest rate is about 6%. In a month or two he is selling his house. From this sale he will have ...
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2answers
88 views

Taking temporary loan from my relative to invest in an LLC in USA

This question is in context of USA. Background: My brother and I plan to invest money in an LLC that will invest in a startup. I will take a temporary loan at 0% interest from my brother to invest in ...
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Pros/Cons of Foreign Ordinary Shares vs International Markets

As a US investor I have several options to invest in foreign equities: Direct investing in a foreign market (ASX, TSX, TSXV, etc.) ADRs (Y-class shares on OTC, not always a 1:1 ratio) Foreign ...
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2answers
178 views

Reduce salary in exchange for higher employer 401k contribution?

Would it be in my interest (assuming my employer agrees) to reduce my salary by x amount in exchange for an increase in employer 401k contribution for x amount? For example if I make $150,000/yr and ...
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3answers
178 views

Is it reasonable to expect the return on my savings will match or exceed inflation?

I am doing some modeling on retirement savings. Variations on the rate of return for savings during retirement (this is, after one has retired) as well as the inflation rate yield very different ...
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1answer
53 views

How should I schedule pulling money from investments for home purchasing?

I'm getting married this year, after some delays for reasons you can probably guess. Afterwards -- so in six months or so -- we are hoping to buy a home. Of my money, roughly a third of it is in cash ...
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2answers
117 views

How can one do their own algorithmic trading (does Robinhood and/or Webull provide a REST API)?

In order to do algorithmic trading one needs more than just access to a commercial app like Robinhood or Webull. Their tools give individuals access to a range of tools, but all the execution of ...
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3answers
242 views

Why shareholders don't always get dividends?

"Public corporations have no legal obligation to pay dividends to common shareholders, no matter how profitable they are or how much cash they have" Does that mean we don't own part of ...
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1answer
108 views

If I raised X dollars of venture capital for my startup business, is that X dollar my personal money now? [duplicate]

If I sell a portion of my startup business to a venture capitalist for X dollars for the purpose of raising funds, is that X dollars my own personal money that I can do whatever I want with? Or am i ...
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1answer
70 views

Stock Analysis Equation Questions

I am a newer value investor and I am trying to slowly learn. I came across these equations and I am not able to find for sure online or in the books I have available what these abbreviations/acronyms ...
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1answer
42 views

Is IRR in VC different to IRR in accounting

I am coming from a more accounting background and I always understood as IRR to be a discount rate that would lead to an NPV of a project to zero. That is to say that IRR is how much value money loses ...
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87 views

Is there anything you can do if you accidentally sold stock shares for a gain (when trying to take a loss)? [duplicate]

While trying to sell for an end-of-year loss, if you accidentally oversell a position, resulting in some shares selling for a gain, is there anything you can do except pay the taxes on those gains? ...
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1answer
52 views

Has anything changed since 2019 regarding selling shares within 30 days of purchase being deductible for tax purposes?

The upvoted answers to this questions, if correct, indicate that, under US law, if one buys and sells an equity within 30 days for a loss, and does not repurchase anything substantially identical ...
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0answers
49 views

Resource(s) for becoming financially literate [closed]

I'm looking for some resources for becoming financially literate, something for absolute beginners. Can be in any shape or form, doesn't matter for me as long as the content is accessible. For more ...
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1answer
575 views

It's official - I've paid off my student loans. Now what?

I paid it off. (Before you congratulate me, I'd like to remind you that I imagine this must be how it feels getting released from prison.) But now there's $1100/month that I was paying toward that ...
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4answers
752 views

Fidelity funds vs S&P 500 (Is fidelity just "bad" at managing money?)

I invested a bunch of money around March (~9 months ago) in a Roth IRA. I am getting ready to rebalance, and put more money in this January. I was very attracted to Fidelity's ZERO funds, and put some ...
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1answer
85 views

Company exceeding Index weight percentage cap

I was looking at the Index MSCI World SRI Select Reduced Fossil Fuels where it says: The Index is float-adjusted market capitalization weighted and a 5% capping with 10% buffer is applied on issuer ...
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1answer
40 views

What does "existing balance sheet cash" mean for a company, as compared to actual cash and cash equivalents?

I read that Li-Cycle (LICY), a Li-ion battery recycling company, is increasing the size of a large recycling plant. To do this: The Company estimates that the Hub will require a total capital ...
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1answer
57 views

Why ETF Actual Dividend yield differs after only 3 months

Will take IDVY.L as an example, dividends paid per share in September - 26.74p (30.91¢), projected dividends in December - 2.004p (2.35¢) - 13 times less. Another example - IUKD - 3 times difference ...
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1answer
123 views

What are the rights of a minority shareholder in a public company?

Suppose in a listed company, the promoter owns more than 51% of shares. In that case, what prevents the promoter from exerting his own free will, like appointing his own family/friends in important ...
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1answer
113 views

Reasons to not have multiple investment accounts to avoid SIPC limit

Most brokerages in the US are members of the SIPC. The SIPC provides an insurance for customers up to $500,000 for cash and securities held by the brokerage in case of troubles (bankruptcy, assets ...
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1answer
167 views

Violating bank policy by not disclosing brokerage account and short selling

I live in U.S and work as a software developer (back office) at an investment bank. I don't have those series 63 license that needed to be registered with Finra, and my work is nothing at all ...
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0answers
168 views

Are there any legal risks/implications of this indirect gold purchasing process

Setup: My wife and I live in UK. My In-Laws are UK expats currently living in Switzerland. They are investing some of their savings into Gold Bullion. (not interested in any assessment of that ...
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2answers
201 views

Handing multiple people pooling money into a crypto that compounds

This might be an odd one, but I’m looking for some advice. I have a few people wanting to pool money together into a crypto that compounds. I’m looking for a good way to record the percentage that ...
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1answer
93 views

Renting a basement suite out for income, that has a lower ceiling - Data on percentage of renters to consider this a deal breaker [closed]

I'm in the market to move out, and I'm eyeing bungalows, mostly those that are built in the 1950's and 1960's in Winnipeg, Canada. I'm wanting to live on the main floor and have a tenant occupy the ...
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1answer
71 views

Does the transfer of an investor's Legal & General fund to Fidelity reduce diversification?

I live in the UK, and over the years have put savings into funds with several different institutions with a view to diversification to reduce risk. Two of these institutions are Legal & General ...
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1answer
66 views

How can I calculate an efficient way to rebalance?

Having a math related issue, and I feel like the solution is obvious but I just can't get it for some reason. Let's say you have four sector ETFs (or stocks, whatever really). You want to maintain ...
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10answers
12k views

Why doesn't common investment advice include the idea of pulling out of the market during downturns?

The most common advice goes somewhat as follows: Every month, save as much money as possible after paying down your high interest bills Put that money into an index fund Reinvest dividends Enjoy your ...
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1answer
62 views

What is ipo issue size and how they decide ipo issue size

What is IPO issue size? How they decide IPO issue size? I am asking about IPO issue size like 5000 cr. How they decide this size and what can be maximum IPO issue size? Not IPO share price.
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3answers
144 views

How exactly can I benefit from straight line depreciation on my property?

I have a rental property and have been reading heavily about straight line depreciation but I'm not quite grasping what it is and how I can benefit from my $4,092.92 deduction come tax season? After ...
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2answers
224 views

Better to withdraw from 401k or take out home equity loan for investment opportunity?

There is a fast-approaching investment opportunity (January) that I very strongly believe will have significant short-term (2x - 5x within a matter of months) and long term returns. I need ...
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2answers
123 views

How to prioritize paying back loans based on interest?

If I have a loan at 0% and can get a 7% return on my capital, then I wouldn't want to pay back that loan until the absolute last moment. If I have a loan at 14% and can get 7% return on my capital, ...
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1answer
82 views

Why do promoters in public companies sell their shares and reduce their holdings?

Promoters in public companies can sell their shares and reduce their holdings. Why do they want to reduce their holdings?
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1answer
116 views

Why does IPO share price decrease?

Assume that I subscribe to an IPO at 1000rs and when it begins trading, its price decreases because IPO subscribers are selling the stock. Why do they subscribe if they're going to sell at a lower ...
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0answers
50 views

Quantifying and hedging for FX risk

So I am new to investing and currently use an AUD account to invest, but mostly trade USD denoted instruments (mainly XAUUSD). Therefore I am getting unwanted exposure to AUDUSD because of the ...
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2answers
148 views

Using margin/leverage to buy index funds [duplicate]

Brokerages like IB has pretty low sub 2% interest rate per year while index fund grows 10%. Is using borrowing/margin to amplify and purchase more shares of stable growth stocks like snp500 index ...
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1answer
74 views

If I lose money one year, and make them back the 2nd, can I still be at a net loss due to taxes? [closed]

Say I invest 100 dollars and lose 10 dollars in year 1. I then make those 10 dollars back in year 2. If this is taxed, then I will get less than 10 dollars back, therefore currently having less than ...
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0answers
74 views

Do I owe money if my loss is more than my overall account balance/equity with a fixed funds account?

I'm pretty new to trading and have been paper trading for some time, so I'm not sure about this stuff. For context, I was messing around and practicing paper trading when I saw that my loss was more ...
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1answer
79 views

Inflation Protected Bonds, How to find an index of them?

I came across TIPS in Graham’s security analysis book. I attempted to find them on DEGIRO but and found indices of such: iShares $ TIPS UCITS ETF EUR Hedged (Acc) Q1: How do you decipher that? Q2. Is ...
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0answers
23 views

In Real Estate Wholesaling, is the assignment fee included in the asking price?

I am trying to learn my way around different real estate investment strategies. I recently joined some local Facebook pages that have the occasional wholesaler with a contract for sale. If they ask $...
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1answer
91 views

Why do some Vanguard Admiral Shares have higher expense ratios? [duplicate]

My understanding of Vanguard "Admiral Funds" is that they charge lower management fees (have lower expense ratios) in exchange for there being a minimum investment amount. However, it seems ...
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1answer
144 views

When we analyze company we invest in using cash flow, how is their buying real estate different from buying computers? [closed]

When we invest our money in public companies, we may analyze them using cash flow. There can be two different scenarios: the company buys a lot of real estate or warehouses as their capital ...
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1answer
179 views

I contributed to my and my spouse's Roth IRA when she was unemployed. Now she has a job and we will exceed the income limit. What to do?

Back in January 2021, my spouse was unemployed and our joint income for 2021 was (expected to be) less than $198,000. Thanks to that, I contributed $6,000 to my own Roth IRA and $6,000 to the Spousal ...
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0answers
60 views

Difference in de facto currency exposure

Suppose my main currency is SEK and that I want exposure to EM MSCI. Then I could A) buy a Swedish passive fund in SEK that is exposed to EM MSCI or B) Exchange my SEK for EUR or Dollars and then buy ...

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