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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2
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4answers
751 views

If I invest in securities denominated in a foreign currency, should I hedge my currency risk?

If I live in the US and most of my expenses are in US Dollars, I consider the US dollar to be my base currency and look at the performance of my portfolio on a US Dollar basis. If I invest in a fund ...
4
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3answers
384 views

How can I determine which is right for me, RRSP or TFSA, if any at all?

I'm 22 years old, and currently dumping all my money into my general savings account. I'd like to take this further but I'm not sure where to go with this. What type of savings account should I get ...
4
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3answers
4k views

Tax implications of buying the vacant lot next door?

I live in Green Bay, WI in a newer development. We built our house 2 years ago and houses are starting to go up around here. We want to buy the vacant lot next to us so we don't get any neighbors. ...
8
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6answers
978 views

Are stock index fund likely to keep being a reliable long-term investment option?

As I understand it, stocked-based index fund have been a reliable long term investment option in the last X years. Specifically, during "most" 10-year intervals in the examined history, the yield on ...
2
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7answers
419 views

What are the benefits of opening an IRA in an unstable/uncertain economy?

What is the point of opening an IRA at a young age, when you can use that money to buy assets that have intrinsic value such as Silver or Gold? Especially opening an IRA in such an unstable American ...
2
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1answer
61 views

Is there an easy way to see how much I've made or lost with Sharebuilder over time?

Is there an easy way to see how much I've made or lost with Sharebuilder over time? OR do I have to manually go add all the fees, the monies put in and taken out and then compare it to what is in the ...
8
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2answers
1k views

Should you diversify your ETF investments between companies?

I've found a number of interesting index funds, of which a lot are run by Vanguard. However, since I'm diversifying my investments between index funds, it seems sensible that I'd want to make sure all ...
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? ...
2
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1answer
2k views

How do I look for private limited partnership investment opportunities? (Or should I?)

I am interested in seeking out local private companies that are interested in raising additional capital by taking on limited partner investors. Is this something that even happens? Is this even a ...
9
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3answers
5k views

Joint property ownership: 2 homeowners, but only 1 lives in the home. How to fairly split mortgage payments?

If 2 people decide to invest in a house, but only 1 of them wants to live in the house, should the interest only monthly mortgage payments be: split 50/50, the person living there pays 100% the ...
5
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3answers
446 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 ...
9
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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 ...
2
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5answers
313 views

Is it a good investment for a foreigner to purchase a flat/apartment in China?

Is it a good investment for a foreigner to purchase a flat/apartment in China? Why, or why not?
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12answers
2k views

What should I be aware of as a young investor?

I'm 19 years old and am keen on investing in blue-chip companies. What should I take note of?
3
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2answers
672 views

How do I properly pull my funds from one account and invest in another when I do not have a broker?

This is a follow-up to my previous question: My investment account is increasingly and significantly underperforming vs. the S&P 500. What should I do? Much of the advice I received pertained to ...
10
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2answers
891 views

I inherited a lump sum and paid off my debts. How can I preserve the value of remaining capital?

I managed to benefit from an inheritance lump sum payment overseas. After paying off my debts, I will still have majority of that inheritance lump sum. My goal for that money is to preserve its value. ...
3
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2answers
351 views

PPF / NSC inquiry eligibility

I have a 2 year old daughter, US citizen by birth. Can we invest in her name in PPF (Public Provident Fund) or NSC (National Savings Certificate) ? Both parents are Indian nationals.
6
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4answers
258 views

What market conditions favor small cap stocks over medium cap stocks?

I want to understand the rationale to make the decisions to invest in small vs mid cap stocks. If there are any pointers for a non-finance expert, I will really appreciate it. Thanks, Geo
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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 ...
4
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5answers
2k views

Where can I buy stocks if I only want to invest a little bit at a time, and not really be involved in trading?

(I'm like the guy asking that question "Shares; are they really only for the rich/investors?":) I would like to invest £50 (or $50) here and there from time to time. (I choose the companies I like.) ...
11
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6answers
2k views

Does reading financial statements (quarterly or annual reports) really help investing?

Will learning how to read financial statements really give investors a significant edge? From your experience, is it worth the time to pick up this tool? Edit: Thanks for all the feed back guys. I ...
9
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2answers
2k views

How to get started with the stock market? [duplicate]

Possible Duplicate: Best way to start investing, for a young person just starting their career? Hello, With 1500+ questions on this forum, I'm sure the question I'm about to ask has been asked ...
5
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2answers
899 views

How does moving to another country affect ones savings & investment plans?

The question is related to this one, but I am more interested in investments than savings. Here's my situation. I'm in my 20s and I'm currently in the US, but a EU citizen; I have saved up a bit of ...
1
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1answer
400 views

How do I simulate a trailing limit order

How do I simulate a trailing limit order, since many brokerages don't offer this? Details: XYZ last traded at 10 and I want to buy it at 9 or lower. However, if XYZ rockets to 12, I'm now willing to ...
7
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5answers
2k views

Is the stock market too risky for long term retirement funds? Why should a 20- or 30-something person invest in stocks?

Given the crash of 2008, how do you explain to a person in their 20's or 30's why a good portion of their retirement funds should go into the stock market? (And if you wouldn't, what would you ...
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2answers
156 views

Is it possible to estimate individual rate of inflation for a person as against the avg inflation rate for that country?

Even though normally we all use a specified inflation rate per country for financial calculations (i.e real returns, salary increases, etc..) isn't it possible for the inflation rate to have different ...
6
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1answer
139 views

re balancing portfolio by only buying more or by both selling and buying under and over allocated assets?

For doing a re-balance of a portfolio, is it a better idea to just buy more of the under allocated assets or sell some over allocated assets to buy the under allocated assets. For my background, 28 ...
4
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2answers
1k views

classify investments in to different asset types

I am trying to do a portfolio re-balance starting this year. To do that I want to divide my investments into different asset buckets. I have chosen to use the following type of asset allocation -- ...
6
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4answers
594 views

How can I tell if a mutual fund is inflated?

To reach a prudent asset allocation, I need to add a small cap mutual fund to my portfolio. I'm a little concerned that I am "buying high" because all the small cap funds I'm considering (below) have ...
3
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3answers
1k views

What's the best secure tax deductible investment?

I will receive a lump sum amount as a voluntary departure pkg. I live in Ontario, Canada and want to know what I should invest this amount in (GIC/Mutual Fund) that will get a high return and be tax ...
8
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2answers
291 views

How should I go about investing/saving for my children's college education?

I have 2 kids (10 and 6) and I was thinking about putting money away for them (for college, for instance). I've looked at various options and the more I look, the more I am confused with the array of ...
3
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1answer
649 views

Questrade: Tax Free Trading Account. Why don't other brokers in Canada have these?

I noticed Questrade has a Tax Free Trading Account. Is this too good to be true? Why do other brokers not have a "Tax Free Trading Account" where your gains are not taxed and where you can contribute ...
3
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3answers
204 views

Is it always sane to follow inaction if the only alternative investment carries a risk of higher than 50% to end up with loss?

Or is there a theory that proposes inaction is worse?
4
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2answers
1k views

What are some legitimate places to buy gold bullion bars in USA?

I am looking to buy gold bars. Just the element with minimal "craftsmanship". What are some good places/outlets to buy gold in the USA?
10
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5answers
2k views

Buying gold / silver as a hedge against hyperinflation

I'm becoming more interested in buying gold / silver coins as a hedge against inflation and especially hyperinflation. I know very little about this, and there are thousands of sites on the internet ...
1
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1answer
114 views

Protecting Gains: Buying a Put vs. Leveraged Bear Market vs. Liquidating Long Positions?

I am a long investor looking to protect some of my gains in the recent market rally. What are my options? I know of 3 possibilities: Buying a Put (in say SPY) Leveraged Bear Market (say QID) ...
4
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4answers
268 views

Working but still in college, worth investing?

Currently, I'm in a predictable but yet uncertain future with my money situation. I'm working for the next semester and summer, but I'll be going back to do a 2-years graduate program in the fall. ...
4
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1answer
2k views

How to quantify differences in return with low expense ratio vs high expense ratio mutual funds?

One often repeated piece of financial advice is to work to minimize your expense ratios in your mutual funds in order to maximize your returns. While it is often straightforward to determine the ...
8
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6answers
1k views

Are investment companies safe for investing a large sum of money?

I'm a computer programmer who got in early it a successful internet company. My business is entering a transition period and I'm not sure if I'll be making the same income for much longer. I'd say I ...
7
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2answers
4k views

What is the difference between PPF and NSC saving schemes?

I want to invest money in either a PPF (Public Provident Fund) or NSC (National Savings Certificate) scheme, but I would like to understand the differences between them.
13
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3answers
4k views

What is most time-efficient way to track portfolio asset allocation?

I've recently decided I wanted to track my investments over time so that I could accurately determine really cool financial things like: My actual asset allocation My actual rate of return over time ...
1
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1answer
191 views

Effect of home country inflation vs. resident country inflation on immigrant's assets?

Let's assume that there is an immigrant whose resident/host country is US which has low inflation while his home country has high inflation. The immigrant invests in his home country using his ...
5
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2answers
1k views

When does selling (writing) options count for tax purposes?

Let's say I sell an option (say a naked put) that expires in January. If I wait until January to let it expire, does that mean the profits will count towards next year's taxes? Or since I actually ...
9
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2answers
2k views

Effectiveness of technical analysis techniques: Any supporting studies? [closed]

Do you find Techical Analysis to be an effective way of increasing the returns on your investments? This can be either by itself, or in combination with other indicators. If so, what techniques do ...
2
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3answers
224 views

Invest in new mutual funds before the end of the year, or after, in a retirement account?

I changed jobs this year and as a consequence, rolled over my employee 401(k) to a personal rollover IRA. I just completed the rollover earlier this month, and right now the money is just sitting in ...
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7answers
2k views

What is the difference between speculating and investing?

I keep hearing people saying that a speculation is NOT an investment, but isn't it really just investment with high risk?
5
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1answer
445 views

How to determine desired/required value with “value averaging”?

As opposed to dollar cost averaging (DCA), value averaging (as described in this eHow article) is a technique where the investor determines the value the investment should have after a given time ...
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2answers
776 views

What are some valuable sources for investment experience, when there is very little to no money to start with?

I have come across quite a bit good information about investing (real estate, stocks, bonds, etc..) and so far, almost all of my investment knowledge comes from books and online research. I would like ...
5
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2answers
417 views

Why is a Vanguard fund based on U.S. treasury inflation-protected securities (TIPS) returning more than the rate of inflation?

VIPSX says it has returns of >= 5% over 5 years and almost 9% in the last year. It appears to be based on U.S. inflation-protected securities. However, U.S. treasuries are returning near zero, and ...
12
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2answers
4k views

A good investment vehicle for saving for a mortgage down payment?

I've calculated that I will be able to save approximately enough for a 20-25% down payment on a home (at my back-end-ratio affordability level) in the next 2-3 years. I'm maxing out contributions to ...