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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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3answers
690 views

Recommended education path for a future individual investor?

I'm an 18 year old who wants to become a individual investor. My plan is that one day I can become free of the modern day monetary burdens that most adults carry with them and I can enjoy a short life ...
0
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2answers
44 views

Best strategy to invest in mutual funds with this scenario?

I have been working for the past 7 years. I have most of my savings in fixed deposits (60%) and stocks (40%). My biggest regret has been not investing in mutual funds. With my approach with stocks, ...
0
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1answer
58 views

What to invest if my savings will be used in another currency later, compare to which my countries currency devaluates?

My situation as follow: I'm planning to go abroad to study a semester during my undergrad, and then do my PhD also in abroad. My future plans are also living in abroad. The currency in these ...
0
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1answer
47 views

How can CLDR(NYSE) still be shorted after it dropped more than 10% the previous day?

CLDR is still allowed for shorting after losing ~2% on Friday, probably also because of this, when on Thursday it was dropping ~11%... As far as I know there should be a rule which does not allow ...
0
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1answer
29 views

How do early investors decide which startup makes sense to invest in? [on hold]

What do venture capital investors look for in a startup? Are there any good books or other resources for an investor who wants to start investing in early stage startups?
0
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1answer
60 views

Iron Condor Profit Probability

I'm trying to see if I understand Iron Condors correctly and how to assess whether or not the risk is worth it for a given set of circumstances. The maximum profit on an IC is realized when all ...
2
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0answers
45 views

What benefits and risks do American C-corps have for investors in Europe?

In Europe the start-up investor climate seem quite different from what investors and entrepreneurs experience in the US. As I am being part of a few different EU based startups I am confronted with ...
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5answers
297 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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1answer
167 views

Peer to Peer Lending Small notes Vs Large Notes

I have recently started investing in lending club. Very minimum with $25 in each note. I was wondering which is better funding. The small notes vs large notes; 36 vs 60 terms in addition to ...
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0answers
127 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) [closed]

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 ...
4
votes
1answer
1k views

How to invest a small guaranteed monthly income?

I’m receiving a small guaranteed tax-free income of $260 (U.S. Dollars) a month for the rest of my life. The guaranteed income will go up at least 1.67% annually if not more. I’m feeling a bit ...
4
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2answers
217 views

Investing in Canadian Stocks as an American

I've been tracking the cannabis industry for awhile and would love to hop on the canna-stock wagon, but I'm not sure if Americans are allowed to invest in Canadian stocks. The companies I'd like to ...
5
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1answer
331 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 ...
5
votes
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 ...
14
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7answers
5k views

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

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
126 views

Investing platform options without fixed residency

Background: My wife and I are in our high-twenties currently living in UK. We don't have a mortgage, we're renting our flat. The only debt we have is the standard UK student loans, which is deducted ...
1
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2answers
153 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 ...
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 ...
3
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1answer
306 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) ...
4
votes
1answer
346 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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3answers
823 views

Can an ETF's expense ratio (fees) change after I buy it?

In researching ETFs I've found a lot of dire warnings about expense ratios. Evidently, they can really eat up your money. Ok, so look for funds with low expense ratios. But, if I understand this ...
2
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0answers
30 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 ...
37
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9answers
14k views

How does gambling (like buying a lottery ticket) differ from investing?

Investors seeking a higher return on their investments may invest in things that they know have a higher risks associated with them. Greek bonds have higher interest rates, and banks charge more ...
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1answer
148 views

What are my options if an investment that is too good to be true goes bad?

I am pondering on whether I should pursue this investment. I have a guy who wants me to invest only $1,000 dollars with a contract that I'm guaranteed 600% ($6,000) the same year, no questions asked. ...
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 ...
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2answers
790 views

How can I make $250,000.00 through investing within 5 years?

I've decided to finally start setting financial goals. I never believed I needed them, but it makes sense to aim for something measurable and possible in order to focus my efforts. I would like to ...
0
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2answers
101 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
156 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 ...
3
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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, ...
4
votes
4answers
778 views

What is the average long-term annualized return on investments?

I've heard the number 7% thrown around a bunch of times, but I am struggling to find reputable data to back it up. All I found was a quote from Warren Buffet that I couldn't find an original source ...
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 ...
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 ...
2
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2answers
292 views

Average performance for long term stock investors? [duplicate]

What's the average performance of long term stock investors in terms of % profit per year? I want to know how I am doing compared to other people. Is there such a statistic?
1
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1answer
261 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. ...
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
133 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 ...
2
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4answers
493 views

Is it wise to buy a car in a high inflation rate?

A couple of my friends are planning on buying a car, and asked me to take part, so every one will own 1/3 of it. Here are some facts about me: The inflation rate in my country (Iran) is high. It's ...
3
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2answers
83 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.
7
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7answers
1k views

How much capital is necessary to live on $5000 / mo.?

If I want to determine how much gross return I would need to live on $5000 / mo ($60,000 / yr) and I were to assume all return would come from an investment pool of capital in ETFs, stocks, etc, that ...
3
votes
4answers
371 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 ...
2
votes
1answer
69 views

Understanding the FTSE Actuaries Share Indices on the Financial Times Paper UK

I am trying to understand how to read the Financial Times FTSE Actuaries Share Indices UK. In two of the columns it says Cover and Exadj. Cover is between Dividend Yield % and P/E ratio. Exadj is ...
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 ...
8
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3answers
339 views

Moving money between Roth IRA and employer's 401(k)

Back when I was self-employed, I started a Roth IRA and have regularly deposited in it since then. However, my current employer offers matching contributions to their 401(k) plan, and with the ...
1
vote
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
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
39 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 ...
3
votes
1answer
86 views

Deposit shares in TFSA before capital gain that exceeds contribution limit

I find myself in an interesting position right now. I bought into a private placement and my escrow will be ending in a couple weeks. The kicker is that, if I were to deposit the shares into my TFSA (...
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
votes
3answers
73 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 ...