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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4answers
110 views

Should I invest in the US or India markets?

If I had $1000 to invest, am I better off investing it in the US, in India, or a mix of the two? I am an Indian citizen working in the US, with the option of investing in US index funds or sending ...
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1answer
52 views

Efficient Canada investment account after maxing out TFSA that is not RRSP?

What kind of investment accounts in Canada are tax-efficient and allow holding U.S. stocks (Amazon, Google, etc.)? I have maxed out my TFSA, and would prefer not to lock money in retirement-inclined ...
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3answers
289 views

Is term life insurance a good investment?

Average life insurance for a 60-year-old man costs about $400 per month for a 20-year term (starting today) with a $1,000,000 payout. If I reason that the average 60-year-old man has a 35% probability ...
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1answer
80 views

Intelligent strategy for facing the commercial war (USA, China, maybe EU) and the subsequent predicted recessions [closed]

The international monetary found has stated that there is going to be a recession in the 90% of the countries as a result of the commercial war between USA and China, and the Brexit. It seems that the ...
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3answers
101 views

UK - What are the safest options to keep more than the FSCS limit in a bank/investment company?

The Financial Services Compensation Scheme (FSCS) can compensate you if you have money in a bank/investment/pension/insurance/etc firm that has failed and is part of the scheme. For example, as of ...
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8answers
14k views

Car as a good investment

I have been reading a lot and doing as much research as I could and need some help to decide whether I could consider the action of buying a car as an investment. This question comes after I can't ...
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0answers
55 views

As a Indian Citizen how can I transfer my savings to Singapore

Indian economy is very volatile right now. Central bank is taking the heat and its showing in the notifications it's putting up. One of these mind wrecking notification came up for PMC bank where a ...
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0answers
38 views

Why would anyone use a bracket buy instead of a trailing stop loss?

From my understanding of how these bracket orders work you simply buy-in and then set a stop-limit above and below. This assumes you want to get out at some set position above the stock's current ...
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0answers
61 views

How vulnerable are my investments to broker bankruptcy? Portability of investments and transfer costs? [duplicate]

Let's assume I use a broker like Ameritrade or Schwab etc. to buy Mutual funds, ETFs, stocks etc. Now, let's assume that some point down the line the broker company goes bankrupt or shuts down due to ...
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2answers
140 views

What to do with tax-free 50k? [duplicate]

Say I'm a federal employee and as far as retirement and healthcare, everything is smooth sailing, I'm well on track to retire comfortably with a pension in lets say 2045. Also consider zero debt, no ...
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161 views

Am I on the right track? Feedback welcome!

Here's my situation: 43 y/o, married w/ two kids under 10. I'm in a defined benefit program and I have a formula where I can retire at 60 with 2% of my highest salary times the number of service ...
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0answers
18 views

Treatment of PTP in QBI decution

I am trying to understand the new QBI (Qualified Business Income) deduction rules in the US. I am confused about the treatment of PTP (Publicly Traded Partnerships) income. The IRS provides two ...
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3answers
237 views

How many index funds should I invest in?

I'm new to investing and I recently opened a Roth IRA. I know that index funds are a good choice for investing because they have low expense ratios and are diversified. Also, because track a whole ...
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3answers
112 views

Diversification in mutual funds and ETFs

I'm trying to undertand deversification in mutual funds, specially in contrast with having your own stocks. Mutual funds and ETFs that track some index (S&P, DJIA...) are diversified by ...
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2answers
95 views

How best to invest high income if looking to eventually maximize charitable donations?

I live in the US (Maryland) and make over 140,000 a year (is it bad that after I hit 6 figures I stopped paying attention to exact salary and so can't recall more accurately then that?). I'm lucky ...
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2answers
104 views

Is the math wrong on these future value and draw-down calculations?

Let's say I plan on retiring in 10 years, have some IRAs (401(k) rollovers), a conservatively invested taxable account and plan on contributing 15% to my 401(k) until I retire. I'm using round ...
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0answers
53 views

Where am I going wrong with this Python annuity function? [migrated]

I have this python function where I am creating an annuity whose value doubles every 2nd year. I have attempted two approaches, the first is recursive, however I get an error 'maximum recursion depth ...
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4answers
165 views

Reasons for country-local investment

I noticed something odd: Whenever people talk about investing in stocks or even when they talk about investing in ETFs, they talk about companies in their own country. I'm thinking about buying index ...
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5answers
318 views

How risky is it to take a low-interest (small) personal loans to invest?

Assuming that I can take personal loans of about ~10k€ (up to 20k€), how risky is it to invest in 'safe' stocks (e.g. dividend aristocrats)? Assumptions: I am a recent graduate, living in France; 0....
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2answers
311 views

If most actively managed funds don't beat the index why not choose the opposites?

This is probably a dumb question and I'm likely missing something obvious but here's my reasoning-- where am I going off the rails? 1) Most actively managed funds do not beat the stock market index ...
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3answers
104 views

Are there investable securities that grow nonlinearly/exponentially with the underlying asset?

Let's say I'm a commodities trader, and Jesus Christ himself has just told me that gold is about to become much, much more valuable. We'll leave the debate on whether that's insider trading to another ...
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5answers
313 views

Is investing in education and a sustainable life a good alternative to investing in stocks, gold, land etc.?

I have recently read a couple of articles about what are the main ways to invest your money to protect them from being diminished by the inflation (I am living in a non-EUR EU country where inflation ...
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1answer
120 views

Mutual fund wants to get 1% upfront fee (US). Is that within acceptable ranges for a managed bonds fund?

Mutual fund wants to get 1% upfront fee (US) plus an annual fixed fee. Is that within acceptable ranges for a managed bonds fund?
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3answers
88 views

How to work out acceptable amount of margin loan?

I want to make a better return on my investments. One option is to get a margin loan, borrowing money to buy shares. If the price goes up, I'll multiply the gains. The downside of a margin loan is ...
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2answers
83 views

Investing in USD/JPY when base currency is EUR or GBP

Let's assume you are based in France but you are a UK citizen. We can say you are mostly concerned about EUR (because you currently live and spend in Eurozone) and GBP (because you might at some point ...
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2answers
34 views

Negative line items under Revenue/Gains in a P&L / Income statement

I'm new to managing a P&L and currently have a document like this... Revenue/Gains/Top-Line --Sales on Product 1: 10,000 --Sales on Product 2: 20,000 --Returns on Investment 1: 10,000 --Returns ...
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1answer
84 views

Leveraged ETF for long term investment - quantitative analysis

I know the question of why leveraged funds (eg. SPXL 3x) are bad for long term investments has been asked a lot. I have seen general answers saying that because of daily re-balancing and volatility ...
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1answer
76 views

What does “Sterling Hedged” mean?

In my portfolio I have a number of Equites and Bonds which are “sterling hedged”: What does this mean? I assumed it was related to GBP Sterling, but there’s an S&P which is “sterling hedged”.
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171 views

Where do I find learning resources for small accounts (under 25k) to do stock trading? [closed]

As a newbie in the stock market I don't know what I don't know. I am looking to understand the fundamentals and pragmatic rules to successfully engage into stock trading. A correct response will be ...
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2answers
233 views

Do physical ETFs possess the same problems as CDOs?

Today Michael Burry explained to Bloomberg that ETFs are comparible to subprime CDOs, in that investors are buying securities that aren't backed by any real value: Passive investing has removed ...
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2answers
2k views

Is it risky to move from broad geographical diversification into investing mostly in less developed markets?

I currently invest in a handful of index funds that includes U.S. equities, U.K. equities, some emerging markets, and some Asian equities. But I have in mind that the West is eyeball deep in debt, ...
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1answer
67 views

How to calculate portfolio change percentage in periods with buy events?

Im having problems figuring out how to calculate my portfolio profit/loss percentage over longer periods, where buy/sell events are involved. Example: Day 01: I buy shares for $100K Day 30: ...
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1answer
131 views

Is it good if a network marketing company is not asking for an investment? [closed]

And does network marketing include any interest or compound interest? A network marketing company is not ask for any investment, and they have halal certificate. I would like to ask if network ...
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1answer
71 views

Working Capital [closed]

To quote this website: https://www.oldschoolvalue.com/blog/valuation-methods/working-capital-free-cash-flow-fcf/ "The operating parts of the asset side of working capital include: Accounts ...
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1answer
116 views

How do you consolidate inherited investment accounts?

Our parents left us stocks and cash in different funds including 5 different Janney accounts and 3 fidelity accounts. Some of the accounts are in my mother's name and others in my father's. Is it a ...
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2answers
124 views

Short-term Corporate Bond has Higher Yield than Long-term. Why is This?

I looked at the past yields of Sears Holdings (before chapter 11) and the Yield to Maturity (YTM) were all as I would expect. I look at current yields of JCP and they are pretty much as one would ...
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2answers
143 views

Is it better to invest in US than to invest in India considering inflation rate and devaluation of INR

I am a US resident with Indian nationality. To calculate annual real gain on my investment in mutual funds in India, I am following below mentioned formula: Annual Real Gain = Annualized Return - ...
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2answers
200 views

Why would zero-coupon perpetuity not be worthless (simple enough so grandma understands)

The context is the negative yielding treasuries in Europe (Germany). Here is a quote I found on the matter: Why would a zero-coupon perpetuity not be worth exactly zero? Because its nominal value ...
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0answers
32 views

DCA into an index? [duplicate]

We have acquired a large sum from the sale of a home and want to invest it responsibly. Our long term return expectation is a mere 6.8%/yr, selected by looking at the worst 20yr stretch of the SP500 ...
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3answers
246 views

Reasons to invest in 401k vs pay off loan in 1 year?

I have ~$70k across 401k and Roth IRA. I have federal student loan at $17k with 3.8%. Thus, my NW is $53k. If I choose to invest $19k into my 401k and assume the average rate of return of 7%, my 401k ...
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1answer
217 views

What is “the liquidity illusion”

I came across this visual, but it's a bit complicated, I haven't been able to make sense of it. In so many words, the way I read it is: if defaults pile up, the market is spooked, spreads increase ...
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1answer
44 views

How to find ETFs that meet both criteria: region (Asia/ China) and sector (technology)? [closed]

Is there a Chinese stock index comparable to the NASDAQ 100 or NASDAQ Composite covering Chinese technology stocks with the highest market cap? And are there corresponding ETFs or Mutual Funds?
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3answers
355 views

Is it free riding if you buy and sell the same stock on the same day

Suppose you have $0 balance in a cash account. You buy ABC for $1000, and sell it for $1050 on the same day. Is it a free riding violation?
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143 views

What's are things I can do with my extra money that I'm not thinking of?

Here's a brief description of my situation. I'm 26, have 2 houses, few side businesses and a normal w2. One house is rent-free since family lives there and pays half the taxes and keeps it maintained....
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1answer
96 views

Question about a quote from The Intelligent Investor

I am having a bit of trouble understanding the following quote: Companies that are inherently speculative because of widely varying earnings tend to sell both at a relatively high price and at a ...
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3answers
368 views

What's the rationale for the advice 'don't try to time the market'?

Common investment advice is 'Don't try to time the market, just pick a risk profile and stick with it'. With the inverted yield curve and a fair bit of talk about an upcoming recession - it seems ...
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1answer
73 views

I want to invest in Asian technological firms. In which ETFs or other product should I invest? [closed]

I am looking for an Asian Nasdaq index or something like that. Maybe investing directly in the US market where some of the largest Chinese companies IPO have taken place makes sense. Any insights?
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0answers
18 views

Tax treatment of PFIC when investment is done monthly

I work in the US. Towards the end of 2016 I started investing in Indian Mutual Funds through an investment management acquaintance of mine. This has been with my income that is already taxed in the US....
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3answers
250 views

Why would one buy a bond with negative rate? [duplicate]

I see presently that many countries outside the U.S. have negative rate government bonds. So you buy one for $101 and in 5 years you get $100 back (face value). (I picked numbers for simplicity). I ...
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1answer
218 views

Which is the stock symbol of C3.ai?

I've been trying to find the stock price & symbol for this company https://c3.ai But so far, it's been a fool's errand. There are a few websites which talk about its capitalization, the major ...