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Questions tagged [investing]

Investing is growing money over a longer time frame. When appropriate a specific tag like stocks, mutual funds etc should additionally be used.

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5answers
265 views

Theoretical gain of a one month investment [on hold]

Say you get a million dollars on your account through a mistake by the bank and they don't realise it for a month: how much could you make from clever investing the money before they charge it back a ...
-2
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0answers
118 views

Where are some banks I can trust with my retirement fund? (I'm a citizen of a developing country. Banks here are not trustworthy due to government) [on hold]

Where are some banks I can trust with my retirement fund? (I'm a citizen of a developing country. Banks here are not trustworthy due to government. Inflation could increase to 10000% tomorrow. Banks ...
5
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1answer
314 views

pros and cons of HSA in Investment account

I have my HSA that is currently in savings or checking account. The Insurance company provides option to keep the money in Investment account. What are the pros and cons of parking HSA fund in ...
14
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7answers
5k views

What's is the easiest way to purchase a stock and hold it [on hold]

I'd like to invest some cash (just few thousands) that is currently sitting on my bank account. There are few companies I believe will significantly increase their value in the next years (let's say ...
1
vote
2answers
149 views

Investing in REIT vs REIT stock

I'm considering putting money into an REIT (through something like Fundrise or RealtyMogul), but as I'm doing my research, one thing I can't discern is why I should invest in the REIT instead of a ...
-3
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1answer
100 views

Hedge Funds for individual investor? [closed]

I am looking into Hedge Funds. Tried to research them, but not too much info. So if any of you can help with my questions - that would be great. :) Is there a way to get into the Hedge Fund as an ...
3
votes
1answer
304 views

Why all assets seem highly priced?

Thinking about All Weather strategy, I looked at a number of financial asset indexes and their prices over the past year: US Stocks US Medium-term (7-10 year) Treasury Bonds US Long-term (20+ years) ...
12
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3answers
4k views

Capital gains on stocks sold to take initial investment off the table

Suppose I have invested $100K in a stock that was trading at $100 per share. The stock has gone up by 10 percent and is now at $110. I sold 909 units at $110, i.e. 909*$110 ≈ $100K, which is ...
4
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1answer
342 views

Why not just directly invest in the holdings of an ETF?

Consider an actively-managed ETF with a NAV of $23 and an expense ratio of 0.85 that consists of 30 stocks. Is there a point in buying the ETF, despite the stock picks being very good? The expense ...
1
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0answers
28 views

How can I view a portfolio's historical performance?

I have a premium Morningstar subscription. It provides a wealth of information and is mostly enough for my information needs. I'm able to create portfolios and watchlists, and watch their performance ...
0
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0answers
31 views

How can I calculate predicted investment values and the investment gap? [on hold]

I have actual investment values for 8 years representing the solar PV sector in a country (x), I wish to calculate predicted values for investment. Should I do a linear regression of the actual values ...
0
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2answers
100 views

How inflation affects returns and dividends

How inflation is linked to returns AND dividends? We know that adj returns are (1+return)/(1+inflation) -1 But how do we account for dividends? Suppose: 10% annual return 3% inflation 4% dividend ...
2
votes
1answer
154 views

Why is it hard to find a list of individuals currently on the S&P 500 Index Committee?

All I've managed to find is that David Blitzer is the Chairman, but can't seem to be able to know who are the others, how many, from what industries, how they get elected, etc. Just trying to map out ...
2
votes
4answers
132 views

What is an appropriate metric measure average annualized rate of return for an average investor?

Let us say an investor invests $X per year for N years. Let us say the final portfolio value is $Y. In this scenario, how should I measure a metric that quantifies "average annualized return"? I ...
1
vote
1answer
259 views

How can a stay-at-home parent save for retirement?

With my wife transitioning to a stay-at-home mom role, how can we save so she can retire? She won’t be able to contribute to her 401k and I don’t think we qualify for a Roth IRA based on my income. ...
10
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7answers
4k views

Should one save up to purchase a house/condo or maximize their 401(k) first?

On the one hand, it seems like 401k with employee matching is one of the best investments you could possibly make. On the other hand, paying rent to a landlord is an ongoing loss compared to living in ...
3
votes
2answers
228 views

How to calculate the optimal downpayment + loan term when considering investing cash on hand

We're buying a brand new car at $60K. We technically have the cash on hand, but have opted to get a loan instead and keep the cash in investments. For the purposes of this question & simplicity, ...
0
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1answer
104 views

Receiving advanced payments to post something on my facebook page

I have a facebook page and recently i am receiving such messages, as context seems valid , its like helping people so their article to be shown and i get money from them. The money is tempting, and my ...
3
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3answers
132 views

How to make a CD ladder so you can use funds as they mature

I have some cash in savings that I'll need to draw down over the next few years, monthly. It seems like a CD ladder would be the best way to get a better return, but maintain safety and some ...
3
votes
2answers
82 views

What is a cost basis and how does it help make investment decisions?

Two part question...what is a cost basis and how can it be used to help make investment decisions? I hear cost basis thrown around a lot and I’m not sure what it means.
3
votes
4answers
370 views

Does it make sense to invest in real-estate if you do not have any heir to your investments?

We are an expat couple (< 30 years old) currently living in Germany. We are wondering about the long term benefits of investing in real estate when we do not have a plan to have children of our own ...
1
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0answers
34 views

Regular Investment - Historical Data - Sanity Check

I'm attempting to calculate the returns I'd have received from investing in the FTSE 250 from 1990 - 2019 (1st January in each case). I believe my maths is correct, but I'd like a sanity check as I ...
1
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2answers
102 views

How to pick ETFs that hedge against stock market crashes?

If I want to hedge against a stock market crash the advice I often see is “diversify” and “buy bonds.” As a result, my portfolio is primarily Vanguard VTI and Vanguard BLV, the total stock market ...
1
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1answer
42 views

How to improve geographical diversification?

Recently realised on my investments' geo distribution map that they are largely (~83%) in NA/EU. Given this, should I diversify by region further? What kind of ETFs/funds in general avoid NA/EU? ...
0
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1answer
38 views

How are percentage of investments decided in index fund like VTSAX?

I see that Portfolio composition - has about 20% technology, 19% financials etc - and there is similar composition for companies. This is a general question for index funds - specific example for ...
1
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2answers
167 views

I have some savings want to invest in index fund but worried about recession in 2019/2020

I have a dilemma. Should I go all in and invest my savings in Vanguard indexes such as VTSAX? Or should I play it safe and wait for a recession? The market recovered from the December 2018 drop so ...
1
vote
1answer
43 views

Currency neutral investing - How to take the risk of currency out of investing?

I finally decided to get into investing (about 2 weeks ago - so please excuse any lack of knowledge that may be displayed), so I've been doing a load of research. One thing I am unable to find answers ...
2
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3answers
71 views

Bond fund vs High interest savings account

If you have some money - lets say 20k USD. Banks such as Ally provide 2.2% interest rate on Fixed deposits. Is investing in bond funds such as VBTLX safe and better than fixed deposit? Understand ...
0
votes
1answer
75 views

Is there a type of investment that doesn't eventually cost the business money for a return?

I have been doing research on types of investing and funding for a startup, but I'm still pretty clueless, so please disregard this question if it's ridiculous. I also apologize if this is the wrong ...
2
votes
2answers
98 views

Money Investment Options

I am looking for Money Investment Advice. I am currently doing a max contribution to Roth IRA (me and my wife) so $6000 a year. I am also planning to open ESA for my two kids and contribute $4000 a ...
5
votes
2answers
251 views

Is there a catch in investing in treasuries close to maturity date?

Is there a catch to invest to treasuries close to maturity date? I don't want to lock the money for a long time, b/c the interest rate probably will go up. But I am concern that it's not that simple. ...
3
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0answers
83 views

Sum of quarterly reports is not equal to annual reports

I am trying to calculate a stock's worth and in doing so I am adding values of all the four quarters from quarterly reports but it is not equal to the value in the annual report. I am trying to ...
1
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2answers
191 views

Bonds, interest rates and inflation

I was reading Learn to Earn by Peter Lynch and I came across a paragraph that has confused me to say the least. It is regarding bonds - If you buy a $10,000 ten-year bond and hold it for ten years,...
3
votes
1answer
98 views

Depreciation question from Benjamin Graham book

I am reading The Interpretation of Financial Statements by Benjamin Graham. Ch. VI, Depreciation and Depletion contains the following wording: When property is retired its gross value is deducted ...
0
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2answers
113 views

Does Motley Fool offer investment management services?

Does Motley fool do any investing on someone's behalf based on their recommendations? Can investing be done by someone on their website based on their recommendations?
1
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1answer
56 views

How to enter Return of Capital in ledger-cli

Some background first: I'm using GnuCash for personal finances and am trying to get some reports from ledger-cli. The data is exported using piecash from GnuCash into a ledger file. When running ...
5
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1answer
134 views

How to diversify across P2P lending platforms?

In the UK there are plenty of peer to peer lending platforms, certainly 20+. Most offer returns of around 5% but a small handful offer above 10%. As far as I'm aware, in the US there are only a small ...
4
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0answers
30 views

What, exactly, makes an “unrelated business” unrelated in the case of junior partnerships held inside IRAs?

My question is concerning the unrelated business income tax on partnership interests inside a Roth IRA. Specifically, I own common stock in a company that's technically classified as a Limited ...
0
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1answer
107 views

U.S. 10 year treasury bonds behavior during crisis

It's often advised to buy and keep government bond to protect ourselves against the next upcoming crisis. (For example, in a defensive stock portfolio you can have 50% of stock and maybe 30% of ...
42
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5answers
10k views

When to stop saving and start investing?

Since I started my first job after graduating a few years back, I always saved a certain percentage of my salary each month on an extra savings account my bank offers. At that time, and until recently,...
2
votes
1answer
65 views

Can I invest using the All Weather Portfolio strategy buying US stocks but on the London Stock Exchange?

I really like Ray Dalio’s ‘All Weather Portfolio strategy’ and I would like to follow this, but I’m struggling to find relatable USA ETF’s that I can buy into on the LSE. Even if I did manage to find ...
0
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0answers
16 views

What taxes does a Czech Republic resident need to pay on investment income from an online broker when using a French bank account?

My friend - who is fiscally resident in Prague - opened a French bank account. Then, they used their French bank account to open an eToro (online broker) account. They want to invest on eToro but they ...
1
vote
1answer
40 views

Vanguard sent 1099 for my MLP stock sale. Am I being taxed twice when I file the K1?

I received a 1099 from Vanguard for the sale of my MLP stock. I got a K1 from the MLP. I entered both on my TaxAct program. My question is, am I being taxed twice on the stock sale?
2
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6answers
412 views

How to stop promotions from filling new “necessary” expenses

I am 25 now (damn I feel old haha!) and I have gotten 2 promotions in my career so far. When I was younger I though that every promotion will be more spending money. Now that I have started living, ...
4
votes
5answers
1k views

Is it wise to hold on to stock that has plummeted and then stabilized?

I own some stock that lost more than half its value. It has now been more or less stable for months, and I'm tempted to get rid of it because I see poor prospects in the future for this line of ...
52
votes
8answers
19k views

Aging parents with no investments

My aging parents (75/77years) own a house on 35+ acres (14+ hectares) in rural NE USA (no mortgage). They have: No investments (other than the obvious property) Savings of maybe $30k in a bank ...
0
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1answer
66 views

What is the origin of the name of Form 10-K?

I am assuming that Form 10-Q stands for quarterly, though I can't derive a good reason for the 10. Wikipedia: The name of the Form 10-K comes from the Code of Federal Regulations (CFR) designation ...
0
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0answers
26 views

Capital gains tax for F1 visa holders?

I am currently on F1 visa and planning to invest in U.S. stocks. Could someone explain how much is the tax on any capital gains? Both long term and short term?
1
vote
2answers
192 views

What kind of bonds are ideal for short term investments

I have money in my bank right and I want to acces them in 1-2 years. I am not willing to take the risk in a stock portfolio, but willing to make bond investments riskier than buying government bonds. ...
1
vote
3answers
439 views

Does compounding frequency have any bearing on the return on investment?

If I take 100 dollars and put it into a savings account that pays me 5% annual interest which compounds monthly. At the end of the year I will have $105.12 If I take the same 100 dollars and invest ...