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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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10
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2answers
2k views

Can a company have a credit rating better than that of the country where it is located?

Inspired by this question. In one personal finance book I read that if a company is located in a country with credit rating X it can't have credit rating better (lower - i.e. further from AAA level) ...
10
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3answers
435 views

What kinds of exchange-traded funds (ETFs) should specifically be avoided?

This is related to my other question. There, I was asking what exchange traded funds I should consider for inclusion in my retirement portfolio. That got me thinking: What kinds of exchange-traded ...
9
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2answers
533 views

Invest in low cost small cap index funds when saving towards retirement?

This is a question about "Personal investing and asset allocation". About me: I earn more than I spend I may retire in 15 or 20 years, and I have savings to be invested in something or managed ...
9
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2answers
545 views

Is it still insider trading if no benefit was exchanged or received from the information?

Note - I have seen the other questions but they are still vague and explanations parsimonious. Is it still considered insider trading if no benefit was exchanged or received from the information? ...
8
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4answers
1k views

Is the Yale/Swenson Asset Allocation Too Conservative for a 20 Something?

Is the Yale Portfolio by David Swenson: http://www.etftopics.com/yale-etf-portfolio/ Too conservative for a twenty-something with a mid-sized portfolio (under $100K)? What are some of the pro's and ...
8
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4answers
4k views

Dollar-cost averaging: How often should one use it? What criteria to use when choosing stocks to apply it to?

This may seem like a simplistic question, but I haven't found any great answers on it yet. How often should one use dollar-cost averaging? What criteria do you use when choosing a stock to apply ...
8
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5answers
680 views

What choices should I consider for investing money that I will need in two years?

I have around 100k in cash that I would like to put to work. Property I've heard breaks even after 3 years, so this is not an option. I do not know enough about the stock market to want to gamble ...
8
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7answers
1k views

Why would I ever invest in a traditional IRA over a Roth IRA

I've read many articles in the past about the differences between Roth IRAs and Traditional IRAs and no matter how I read it, it always seems like the author leaves some detail out that makes the ...
7
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2answers
1k views

In the U.S., what is the easiest way to buy Australian government bonds?

The NY Times says: He cited the example of buying a one-year Australian government bond, yielding 5.25 percent. He said he believed that the American dollar was going to lose value and the ...
7
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2answers
5k views

How does the purchase of shares on the secondary market benefit the issuing company?

Purchasing common stock is often described as making an investment in the company. In exchange for this investment, you receive shares of the company's profits and, hopefully, you see some capital ...
7
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2answers
7k views

Split buying a house 3 ways. How do I approach this?

A couple of unrelated friends and I are interested in buying a condo and splitting it three ways. We will be using it interchangeably as a rental property as well as living in it ourselves sometimes. ...
6
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3answers
758 views

Why have I never seen a stock split?

I know it happens, but I've never seen it once. I'm a total stock amateur; I just invest small-scale amounts that I have to spare for the sake of experience/practice and a maybe a little fun. But ...
6
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3answers
2k views

Safer investing (401k/savings) assuming there will be another banking crisis?

Assuming one or more of the big investment banks incurs unsustainable investment losses leading to another banking crisis, what is the safest place to invest my 401k?
5
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3answers
275 views

Is there any evidence that “growth”-style indexes and growth ETFs outperform their respective base indexes?

For example Vanguard has the Vanguard S&P 500 ETF and the Vanguard S&P 500 Growth ETF. Just looking at the returns, it looks like the growth ETF has outperformed the S&P 500 ETF: ... but ...
5
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1answer
261 views

How to Select IRA Investments?

I'm helping a friend roll over his 401K into an IRA. How can I advise him as he selects what to invest his money in? Factors I know to consider: Rate of return over 1, 3, 5, and 10 years (and ...
5
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1answer
230 views

Investment options in Australia

I am an Australian PR and say I have 10,000 AUD in my savings account. Currently my bank offers a 4% interest rate credited monthly to my account. I do not need access to this money for another 2 ...
5
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2answers
185 views

How to transfer personal earnings to a company

Say I work in the US and am using my personal earnings to bootstrap a small company. What is the proper way to transfer my personal wages into the company account? Do I just cut my company a check? ...
5
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4answers
371 views

Are real estate prices memory-less?

Stock prices are claimed by some/most to be "memory-less" - there is no evident correlation between past performance of a stock, to its future performance. Do real estate prices exhibit similar ...
5
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3answers
442 views

What 25-day investment, principal guaranteed, can be used for credit card arbitrage?

What is the most profitable 25-day investment I can make that guarantees that I at least get the principal back? Notes: Many brokers accept credit card deposits w/ no fees, and the credit card ...
4
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3answers
797 views

How to start investing/thinking about money as a young person?

I have about 10k GBP in my bank, and I know for most of you that is not a huge amount. However, I will finish university soon and I would like to have in the back of my mind about how to start ...
4
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2answers
3k views

Are there any tax-beneficial accounts in the Netherlands, like the UK's ISA or US's Roth or 401K?

I am a 31-year-old non-Dutch British citizen, living and working permanently in the Netherlands, looking for a better way to save my money for the long term (primarily retirement). I am searching for ...
4
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2answers
322 views

Investing using leverage

As a trader, I understand the premise of Leverage and Margined accounts. I understand that it is almost necessary to use leverage in order to make money from trading. But the question is about ...
4
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4answers
682 views

Buying Whole Life Insurance with adjustable term protection at 27?

I am a 27 year old male with no dependents, not married, $60,000/year income, and a poor family health history(Dad died of heart attack, mom of cancer, 3 living brothers with heart attack, diabetes, ...
4
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3answers
425 views

What to Look for in ETF

I wish to invest ETF. Sure, I can see what companies it comprise of. Sure, I can open brokerage account in my bank, etc. How do I know the ETF I purchase is legitimate? What if the ETF is fooling ...
4
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2answers
2k views

When to start investing in an index fund? Wait for a bear market, use dollar cost-averaging, or another approach?

I think index funds are one of the best investment tools for the defensive investor. Still, when should one start investing money in an index fund? It could result in a loss to get in at the top of a ...
3
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1answer
160 views

Is there an investment vehicle that simplifies the work of setting up a bond or CD ladder?

I am interested in investing a portion of my portfolio in fixed-income investments, as anemic as they are lately. Conventional logic says that it might be smart in such a down market to use a ...
2
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2answers
428 views

We're taking a sabbatical in less than two years. Ideas for investing money until then?

My wife and I are planning on taking a sabbatical year off in 2016. We are following a path of 6 years of working very hard, 1 year rest and reflection, repeat. I realize this is not suited to all, ...
2
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7answers
2k views

How should I prepare for the next financial crisis?

Last financial crisis happened 10 years ago - there is the risk of another one some time in the future. I am middle class worker with an average savings. I know that investing in gold should be safe ...
2
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2answers
388 views

Save or invest?

I'm 19 years old Software Development Student from The Netherlands Currently i'm making around a €500 (600USD) a month. My parents are saying that I should deposit at least 35% of my wage to my bank ...
1
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2answers
189 views

Possible Risks of Publicizing Personal Stock Portfolio

I have been investing in the stock market on a small-to-medium sized personal account for several years now, and I am considering making my investment history publicly available online. My question ...
1
vote
1answer
439 views

Can I sell my shares that I have losses and gains in and rebuy the gains?

I have some shares where I have big losses and others with big gains. I want to get rid of the shares with big losses completely, but want to use the tax deduction. Can I also sell the shares with big ...
1
vote
1answer
191 views

What makes one smart and/or successful in investing? [closed]

Pretty broad question, but I hear these things thrown around a lot and was wondering if such a canonical or straightforward definition exists. To make this simple: What makes an investor "smart" as ...
1
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3answers
550 views

Whats the best option to increase my net worth, now that I have an income and some money to save?

I am 25 years old software developer with no loans. Before my software developer work I rarely had more than enough money to live by and I was not thinking of savings and such since I didn't any spare ...
0
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2answers
5k views

List of Investments from safest to riskiest?

I am trying to hedge my portfolio and I want to see my options here. I am trying to list out some investments from the safest to the riskiest. I will list a few that I am aware about. Would be very ...
0
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5answers
630 views

Most effective Fundamental Analysis indicators for market entry

I am new to Fundamental Analysis. I purchased a few books on the subject which has proven valuable but time consuming. I was wondering if anyone with more experience than myself can recommend the ...
-1
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2answers
467 views

$100,000 to invest, how should I invest it?

I am just getting into investing, and am looking for some initial input: Lets say I have $100,000 to invest... and I'd like to keep my finances as simple as possible. What investment options are ...
-1
votes
1answer
170 views

How can Cost Basis be greater than the Amount Invested?

A friend owns a mutual fund, Capital World Bond Fund CL A. He has owned it for a fairly long time, but does not know how long. It might have originally been with a different brokerage about a decade ...
18
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5answers
1k views

Is there any benefit to investing in an index fund?

Does an index fund comprise of stocks that mimic the index? So when the index is altered to include new players/exclude old ones, the fund also adjusts? But how can this be, since index funds are not ...
15
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3answers
1k views

Own my home, have no debt, and must start taking RMDs on an Inherited IRA. What should I do?

My father passed away and I have a sizable amount of money in an inherited IRA (about 2 times my yearly salary). I don't have any debt to pay off as I already own my home, auto, no credit card debt, ...
11
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2answers
802 views

Has anyone found U.S. Savings Bonds to be effective investing?

Since I was a small child, my grandparents have given all of their grandchildren savings bonds on our birthdays. I'm not sure if it makes a difference, but they are always "EE" series. I had to use ...
9
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1answer
731 views

What is a Samurai bond?

I saw this term "Samurai Bond" while I was reading about investing and bonds, but I am not sure about what this is. Can you please explain?
9
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5answers
3k views

What are some of the best companies for Roth IRA account?

Currently, I have an Roth IRA account with Citi bank, but they moved my account to their affiliates. They won't allow me to buy stocks that are below $5 on their site, I have to call them and they ...
9
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2answers
2k views

Are there fees or penalties for holding less than $10K in a Vanguard Admiral Shares fund?

I currently have a large sum of cash in a "Rewards Account" at my credit union. The interest rate is at 2.75%. It seems to drop every year. It started out at over 4%. Basically, I am looking to find a ...
9
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2answers
2k views

Why did the stock chart for Facebook's first trading day show an initial price of $42 when the IPO price was $38?

Facebook was widely reported as having an IPO price of $38. Yet, all the stock charts show Facebook shares priced at $42 until around 11:30 AM, than dropping to $40, and then only at 11:50 AM ...
8
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5answers
1k views

More money towards down payment versus long-term investments

Background: I am married with no kids (but anticipating them at some point) and no debt at all. My spouse and I have an emergency fund, both fully fund our retirement accounts, and are also keenly ...
8
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1answer
2k views

What are the best options for an RESP for my 2 year old kid?

Just starting to look into RESPs for my kid. There are RESP funds, or I could just throw money in a GIC... wondering where else I should look... and what I can do.
8
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2answers
405 views

How should I be investing in bonds as part of a diversified portfolio?

I often hear that I should diversify my investment portfolio with X% stocks and Y% bonds, ostensibly to mitigate the risk. My question is what exactly this guidance means in terms of HOW to invest ...
8
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6answers
1k views

My investment account is increasingly and significantly underperforming vs. the S&P 500. What should I do?

I have an investment account, opened in my name by my father years ago that I just discovered 4 months ago. It has actually been doing decently well in the last 4 months since I discovered it. I ...
7
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3answers
2k views

What is the “rule of 70” or “rule of 72” with regards to investment, and how do I apply it?

What is the "rule of 72" (sometimes called the "rule of 70") with regards to investment, and how do I apply it?
7
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3answers
1k views

Got a large cash sum, wanna buy stocks. Should I buy all at once, or spread it over time?

Suppose that I just received a large sum of money, that I want to use to buy stocks. Is there an advantage to split my stocks purchases over a period of time, to protect me against the risk that ...