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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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Inflation-adjusted contributions and returns

This investment returns calc, which seems to be widely used, explicitly states that contributions are made at the beginning of each period. If I enter: 10 years 7% RoR $10,000 initial investment $1,...
Dylan's user avatar
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0 answers
41 views

How to mitigate systematic risk?

I'm studying for the SIE in the United States. I'm learning about the different risks and how to mitigate them. The only way given to minimize systematic risk is to hedge using puts on an index such ...
Cotton Headed Ninnymuggins's user avatar
-2 votes
1 answer
114 views

Regarding investemnt scams on instagram [duplicate]

I want to ask you about the Instagram situation i am facing as I got an Instagram user page called jaydalee.martin which guarantees that we can get 11,500$ by transferring 200$ etransfer and when I ...
Gagandeep Singh's user avatar
-3 votes
1 answer
226 views

How to access the Expert Market as a US citizen?

Supposedly, it's possible to access the Expert Market through full service brokers. However, they require large active accounts trading frequently. I hear Questrade allows any Canadian to for cheap, ...
ZeroPhase's user avatar
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1 answer
317 views

Is it better, financially, to invest in a property or in ETFs?

I need a bit of a help deciding if it's better to invest in a property or ETFs. I have currently saved up a decent sum of money and I'm looking to invest it wisely. I'm 27, if that matters. Option 1: ...
LocustHorde's user avatar
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0 answers
29 views

How to evaluate the net profit rate for a pension scheme?

I am not a finance (cse background) guy but have some basic minimal knowledge about the inflation rate & interest rate of a country, and the net profit rate for an investment. As far as I ...
Nafiul Alam Fuji's user avatar
-2 votes
3 answers
277 views

What percent of a portfolio should be directed to high risk assets to enable outsized returns?

Over the years, I predicted a few assets that went up in price a ton. However, I never owned any of those assets. Stuff like FAANG, Tesla, Bitcoin. Had I invested in those at a young age by the time I ...
ZeroPhase's user avatar
4 votes
2 answers
630 views

Is it feasible for a small retail UK resident to buy UK inflation-linked GILTs directly from the issuer?

I'm interested in buying individual inflation-linked GILTs directly in the primary market (directly from the UK Debt Management Office). To give some context, I want to do this as I understand the ...
Martel's user avatar
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2 answers
59 views

How can I calculate cumulative rate/gains for retirement fund in a spreadsheet throughout a year?

Novice to retirement funds and investing here. I'm wanting to build a spreadsheet in Excel that can help calculate my annual rate of return for retirement accounts. I have some elementary questions ...
SeligkeitIstInGott's user avatar
0 votes
0 answers
12 views

Are endowment plans better option than tax saving FD for last day tax saving investment?

Its last day (31st March 2024) for investment in order to save tax. And I have not done anything ! 😢 Now I am planning to do some just to save tax. I am in 20% tax slab. Some options are closed for ...
RajS's user avatar
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0 votes
1 answer
139 views

Are leveraged risk-parity portfolios too good be true?

I was reading the bogleheads forum and it seems that lifecycle investing or leveraging a mixed portfolio of stocks and bonds have popular topics for a while now. Whether you achieve it through box-...
Eric Gumba's user avatar
3 votes
1 answer
247 views

How do ETFs process dividends?

Presumably at least some of the stock shares held by an Exchange Traded mutual Fund produce dividends. Do those dividends just get pocketed by (and taxed upon) the fund managers, as their income to ...
keshlam's user avatar
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2 votes
1 answer
113 views

Buying bonds vs opening deposits in Russia

I've been thinking about deposits and bonds. I live in Russia, and here some trustworthy banks offer deposits at the rate of 14.5% a year, and the interest is paid every month. The interests of ...
Жёлудь-мистэ́р's user avatar
1 vote
1 answer
584 views

Why would I ever buy a house vs. just renting and invest the rest?

I found myself in a weird realization right now where I put everything into an Excel sheet, I can’t find a good reason to ever purchase a house vs investing into an index fund. Ever since I graduated ...
PrinceHairy's user avatar
-2 votes
1 answer
156 views

With 500k in Netherlands, Best path towards regular income, settle mortgage and rent or sell and invest?

Currently I live in Netherlands. I have come to a crossroad and I'm interested to hear other opinions and advice on investment for a regular stable long term income. My ultimate intention is to secure ...
Kareem's user avatar
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15 votes
5 answers
5k views

How much do we need to understand about finances in order to trust our fiduciary advisor's recommendations?

We often have to put somewhat blind faith in the people who serve us---car mechanics, HVAC technicians, doctors, etc. Normally I research things a great deal before making a decision or trusting ...
Eggy's user avatar
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3 votes
1 answer
48 views

Where to find the variable interest calculation formula for a bond?

I am a relatively new investor based in Germany and am trying to decide whether to put some money (intended for a house downpayment in 3-4 years) into government bonds. For example this one: https://...
Harry Matthews's user avatar
6 votes
2 answers
4k views

What is this type of equity called where I get a share of the profits for the duration of my employment?

I've heard of an interesting "equity" scheme in a company from my friends and I'm wondering what this scheme is called. You work as the Manager for a supermarket chain, and they will give ...
John Hon's user avatar
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0 votes
0 answers
94 views

(UK) Should I look to buy a "better" (more expensive) flat or house now, or save/invest instead, to buy later?

I bought a flat in 2016 for £160,000. I recently (in 2024) had it valued at £210,000, so in nearly 8 years it has appreciated by about 3.5% annually. ((210000/160000)^1/8 -1) * 100. I could afford a ...
Andy B's user avatar
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1 vote
1 answer
125 views

What's the case against being 1.3x levered in PA if you're in your 20s?

If you're in your late 20s and own a bunch of SPY and diversified stocks, why shouldn't you be 1.3x levered? 2.0x levered seems too aggressive given there are 50% drawdowns to the S&P occasionaly. ...
user3807846's user avatar
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0 answers
67 views

Best traditional IRA investment for working person over 70?

My mother is 71 years old and plans to work at least 3 more years. She only recently opened a money market account (5%) and a traditional IRA. She put the maximum contribution for 2023---$7300---into ...
Eggy's user avatar
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4 votes
1 answer
2k views

Advice for investing money for a 15-year old

Hope this is on-topic for here. I'm looking for some advice on the best way to handle a pension. I would like to have the money paid into an account for my 15-year old daughter. The lump sum is about £...
DreamingOfSleep's user avatar
0 votes
1 answer
46 views

How to compare "block lists" for brokerages?

I currently invest with Merrill Edge and they have a fairly strict "block list" and don't allow many high risk securities to be purchased. Here is an example: Merrill Edge blocks active ETFs?...
Chirag Patel's user avatar
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1 vote
2 answers
89 views

What hapens to realized gains from commodities in *gnucash*?

The documentation for Gnucash mentions that "Any realized gain splits are ignored" within advanced portfolio reports. These reports provide information for open transactions, including ...
maxemilian's user avatar
1 vote
0 answers
41 views

Computing investment returns on TD Ameritrade

Vanguard has a dashboard that automatically computes and displays one's personal performance. It has a plot of Balances over time, and of Net Purchases and Withdrawals over time. Then, below this, it ...
Betterthan Kwora's user avatar
0 votes
1 answer
99 views

What's the purpose of investment rate indicator?

I'm reading Value: The Four Cornerstones of Corporate Finance, and quote Growth, ROIC, and cash flow (as represented by the investment rate) are tied together mathematically in the following ...
daisy's user avatar
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1 vote
1 answer
144 views

How to keep discussion with Wealth Advisor on topic?

I am based in the UK. I have an appointment with an HSBC Wealth Advisor next week to discuss a question. My question, is whether or not there is something more intelligent that I can do with a £200k ...
Cat Terry's user avatar
0 votes
1 answer
179 views

Buying REITS in your Healthcare HSA?

I have a healthcare HSA account through work and am trying to figure out an investing strategy that makes use of the triple tax advantages of an HSA, does grow a decent amount faster than inflation ...
Dan Csharpster's user avatar
0 votes
1 answer
130 views

Why is it called "accredited investor" status with no accreditation process?

The word "accredited" has a pretty specific meaning: having successfully passed a formal process of certification. But becoming an "accredited investor" doesn't appear to have any ...
Mason Wheeler's user avatar
0 votes
1 answer
48 views

Is Joel Greenblatt's Magic Formula biased towards large companies?

One of the sorting criteria in Joel Greenblatt's Magic Formula is EBIT. However, EBIT is positively correlated with the market capitalization of companies, i.e., larger companies have a higher EBIT. ...
Value_Investor's user avatar
0 votes
1 answer
129 views

Investment funds that make a difference

When searching for ethical investment funds, the usual model seems to be funds that exclude certain companies or sectors on environmental, social or governance reasons (ESG). I am, however, looking ...
Arno's user avatar
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0 votes
0 answers
42 views

Common stock and ADR traded on the same exchange for one company? What's the difference between them? [duplicate]

I'm looking at Renesas Electronics Crop stock and they have two tickers, both traded on the OTC exchange but one of them is noted as "common stock" (RNECF) and one is noted as an ADR (RNECY)....
Alex Jegers's user avatar
0 votes
0 answers
55 views

Building buy&hold ETF portfolio by writing ETF puts? [duplicate]

Does building a buy and hold index ETF portfolio by writing puts on the desired ETF, and possibily getting assigned, yield a boost over buying the ETF the standard way ? Is it a good idea ?
Raoul's user avatar
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2 votes
1 answer
263 views

Can an individual agree to guarantee the investment of another individual in a legally enforceable way?

Suppose individual A want to make an investment in a non-liquid investment vehicle, but they would like to limit their downside if the venture turns out poorly. Suppose another individual B would like ...
merlin2011's user avatar
15 votes
2 answers
3k views

Why are there buyers for a stock of a biotech company that was recently acquired?

The stock of this company, Karuna Therapeutics, rose on 12/22/2023 from around 220$ to 320$ because it is being acquired by a bigger biotech company. https://finance.yahoo.com/quote/KRTX/ From the ...
ronald christenkkson's user avatar
3 votes
2 answers
2k views

Are condos even worth it over investment in stocks

Where I live houses are extremely expensive average around 900k USD. Condos can go around 300k to 400k USD for the cheaper end. However the HOA fee often runs $600 at least and combining with ...
Lightsout's user avatar
  • 2,041
1 vote
2 answers
50 views

How to calculate PV of annuities for a home loan

I am trying to model investing in residential real estate vs investing fully in stock. I have a corpus of say 1M in S&P500. I also receive monthly income which will be used to either invest in ...
nandonachi's user avatar
0 votes
1 answer
193 views

Monthly Rate vs Continuously Compounded Rate

A bank offers two alternative interest schedules for a savings account of $100,000 locked in for 3 years. Which alternative should you choose? (a) a monthly rate of 1% (b) an annually, continuously ...
user546106's user avatar
2 votes
0 answers
159 views

Why would a company be "required" to hold bonds in Europe?

I was just watching an old recording of one of Berkshire Hathaway's shareholder meetings and Charlie Munger made a statement about being "required" to hold bonds in Europe. Why would they ...
jesse_b's user avatar
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8 votes
6 answers
6k views

Is investing in S&P 500 a wise choice if you plan to purchase a house in 10-15 years?

My total compensation is $168k/year ($285k gross) and my goal is to purchase a house in the range of $1M to $2M. I plan to invest my savings in the S&P500 for about 10-15 years, hopefully, to make ...
N N's user avatar
  • 111
1 vote
2 answers
65 views

NPV in trade projects

The question must be very simple but I'm still struggling. Let's suppose that I have an import-export business. Then I have a discounted CF which is formed by subtracting all costs & taxes from ...
Gigigi's user avatar
  • 11
5 votes
2 answers
737 views

How could the percentage exceed 100 here?

I'm reading The Little Book of Common Sense Investing and in chapter 11 it has a prologue, IN SELECTING MUTUAL FUNDS, too many fund investors seem to rely less on sustained performance over the very ...
daisy's user avatar
  • 579
13 votes
4 answers
3k views

Why doesn't my bond ETF provide a hedge against stock indexes in the way I thought it would?

I own BND in an attempt to hedge my portfolio against my stock ETF declines, based off of the Bogleheads philosophy. I've noticed that with this ETF, over the relative long term, I've made but modest ...
Ken - Enough about Monica's user avatar
-1 votes
2 answers
157 views

Is Limit Order classified as Trading rather than Investing?

I had a question, and a Scholar has commented below. Sounds like you're trading rather than investing. Good luck; you're going to need it So my questions are below( despite my very long and monetary ...
puzzled's user avatar
  • 1,016
4 votes
2 answers
1k views

Acquisition/Share holding question

I am trying to figure out my share calculations. I have vested 10,000 shares in my company and they are a private tech company that seems to be on track to be acquired in the next six months. Do I get ...
user126215's user avatar
0 votes
1 answer
190 views

How do you calculate the proportion of shares required to formulate a minimum risk portfolio?

An investor has decided to invest 1 million in the shares of two companies, company E and company B. the projections of returns from the shares of the two companies along with their probabilities is ...
symon 's user avatar
  • 11
0 votes
1 answer
310 views

Where can I look up total returns of stocks, ETFs, and mutual funds? [closed]

I'm looking for a free way to look up total returns of various stocks, ETFs, and mutual funds. FinanceCharts.com lets me save lists of stocks and ETFs and view total returns for various time periods, ...
KnowItAllWannabe's user avatar
2 votes
2 answers
511 views

What is the correct Formula for calculating fund growth with fees

I am considering two different options for a roth IRA. A managed fund that has a higher historical growth rate but 1% fee and a self directed vanguard account, which would have a lower growth rate but ...
achyrd's user avatar
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1 vote
1 answer
223 views

Use HSA for medical expenses or save it for investment?

If investment growth using an HSA account is not subjected to taxes, then isn't it better to invest using HSA than investing on stock platforms like Fidelity or Robinhood? When I use the funds in the ...
Lacie's user avatar
  • 169
0 votes
1 answer
124 views

Can I buy stocks on Vanguard SIPP from UK

I currently have a SIPP account with HL. But I want to transfer my account to Vanguard as the annual account fee is much cheaper with Vanguard. However I don’t know and couldn’t find any information ...
MSBI-Geek's user avatar
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