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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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1 vote
1 answer
397 views

Price of Bond with irregular long first coupon period

I'm trying to manually calculate the price of a bond with a long first coupon period, found a few candidate formulas on Microsoft Excel Document: OddFPrice mit.edu: OddFPrice WestClinTech.com: ...
16 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 ...
0 votes
0 answers
109 views

Do I need a license or certificate to start an investment firm?

I am a tech entrepreneur. I have a lot of friends who work in the tech industry as well. I would like to start an investment company and ask my friends to invest their money in it. Then, I will find ...
1 vote
1 answer
249 views

Calculating the Nominal Rate of Return of a dividend paying stock

How is the nominal rate of return for a dividend paying stock calculated. I understand that nominal return is calculated using the formula: (Current Market Value - Original Purchase Price) / Original ...
0 votes
1 answer
119 views

Why is EPS looked at much more than FCF/S (Free Cash Flow Per Share)

I understand that eps is an important metric to look at when analyzing a company. (And I wont go into all the details of eps) But at the end of the day, the amount "you" have in "your&...
0 votes
1 answer
82 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 ...
2 votes
2 answers
137 views

Is there a theoretical advantage for market cap weighted index funds over equal weighted index funds?

Hey there:) I’m new to the field and have plenty of questions. Would be happy if any of you can answer any of these: Is there a theoretical advantage for market cap weighted index funds over equal ...
1 vote
2 answers
155 views

Legal/Ethical Dilemma (Splitting an Investment Property)

just looking for some advice in regards to a legal/ethical scenario. So the scenario is that my brother and I are planning on getting into an property investment adventure (duplex build). However, we ...
1 vote
2 answers
373 views

How can I find out about shareholder perks?

I recently read an answer to a question here that talked about holding certain investments to reap perks for shareholders (I don't recall the question offhand). I'm interested in finding out more ...
4 votes
3 answers
204 views

Is term or whole life better?

So this is all very confusing to me I don’t understand the difference and what I need. I am a 48 year old female of average health. One dependent child. Trust age is offering me 20k whole life for $47 ...
0 votes
0 answers
32 views

How can I add AUD cash to My Yahoo Finance Portfolio

I have built a stock portfolio in Yahoo Finance. I want to show my available AUD cash along with my individual stocks. How do I show my available AUD cash in my Yahoo Finance stock portfolio? I have ...
1 vote
1 answer
159 views

NPS contribution charges and eNPS

What are the benefits of eNPS? How can we avoid (a) POP trail commission & (b) Payment Gateway Charge while making a contribution in NPS Tier-1 account? 3.What is the recommended/generalized % ...
42 votes
6 answers
13k views

What do I need to watch out for when receiving a large sum of money as a gift in Germany?

I live in Germany. If my father would want to give me a large sum of money - let's say 10,000€ - what would be the safest, least bureaucratic way to do this? I'm an apprentice and I still receive ...
1 vote
3 answers
271 views

What would have been a good medium-term investment in 1999?

The longest stock market stagnation in recent times was in the early 2000s: first the dot-com crash, then the great recession. If someone in 1999 had bought into, say, an S&P 500 index fund, it ...
4 votes
1 answer
335 views

Child account investment options (EU)

So, having two little ones, I decided to set up investment accounts for them. The idea is that these would be focused on long term buy&hold (mostly dividend growth stocks). Since I live in Austria/...
-4 votes
3 answers
1k views

Do CFD brokers ban profitable clients from trading on their platform, since these clients make them lose money?

Many CFD brokers make money from trading against their clients and profitable clients make them lose money. This is similar to how casinos operate. Casinos ban profitable customers. Do CFD brokers do ...
1 vote
3 answers
2k 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 ...
0 votes
2 answers
158 views

Why would people invest in T-Bills over an extended period of time, when more tax-efficient options like BOXX exist?

Assuming a retail investor holds/rolls T-Bills for years, is there any reason for a retail investor to buy T-Bills directly when tax-efficient ETFs like BOXX exist (that provide the same return as T-...
1 vote
1 answer
87 views

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,...
0 votes
2 answers
787 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: ...
4 votes
1 answer
367 views

Fixed deposits in 10 banks vs Mutual Funds

This question is to be answered in terms of security of the money as well as how profitable the investment is. Let's say a person is in India under 30% tax slab. In India, FDs are more secure than ...
-3 votes
1 answer
336 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, ...
0 votes
1 answer
414 views

Position size calculator which includes fees in the risk

Problem: I have a position calculator for scalping, but currently it does not include entry/exit fees in my risk calculation. Since scalping, in most scenarios, requires leverage, those fees really ...
-2 votes
1 answer
143 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 ...
1 vote
2 answers
66 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 ...
1 vote
1 answer
171 views

When to use different valuation multiples

My basic question is this: I know that investors can use several different multiples when thinking about valuing companies (P/E, EV/EBITDA, EV/Sales, etc.) but how do you know when to use each one? E....
0 votes
1 answer
197 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 ...
0 votes
0 answers
34 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 ...
-2 votes
3 answers
451 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 ...
1 vote
1 answer
419 views

Why would a passive investor buy anything other than the market portfolio + risk free assets?

It's frequently said that you should buy a "high-risk" portfolio with lots of stocks when you are young, and then move into "low-risk" portfolio with lots of bonds when you are older, essentially ...
0 votes
1 answer
101 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 ...
0 votes
1 answer
211 views

Invest in both PPF and VPF

Is one allowed to invest in both VPF (Voluntary Provident Fund) and PPF (Public Provident Fund) in the same financial year and is there a limit on the same?
4 votes
2 answers
639 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 ...
0 votes
2 answers
112 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 ...
0 votes
0 answers
16 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 ...
2 votes
1 answer
2k views

What does the blue line represent on Yahoo Finance's day range graphics?

The rows of my Yahoo Finance watchlist table have a Day Range graphic like this one: The number labels under the left and right ends of the Day Range are the high and low prices for the day so I ...
0 votes
1 answer
204 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-...
2 votes
1 answer
121 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 ...
3 votes
1 answer
303 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 ...
-2 votes
1 answer
177 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 ...
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 ...
1 vote
2 answers
95 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 ...
3 votes
1 answer
53 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://...
2 votes
2 answers
462 views

Investments beyond RRSP and TFSA, in non-registered accounts?

I am Canadian, with income just below marginal higher rate. My RRSP contributions were always filled, and the rest went to extra mortgage payments. I just finished paying off the mortgage and will ...
0 votes
0 answers
124 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 ...
1 vote
1 answer
131 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. ...
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 £...
11 votes
10 answers
5k views

Roth vs Traditional Investing assuming same tax bracket in retirement

I've done a little (simplified) math to determine the difference in investing in a Roth account and a Traditional retirement account. I'm assuming that I will be in the same tax bracket in retirement ...
0 votes
0 answers
80 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 ...
0 votes
1 answer
53 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?...

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