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Questions tagged [starting-out-investing]

For questions relating to beginning investing. It should normally be used with other tags to clarify the area that it relates to.

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1answer
13 views

How to efficiently invest in ETFs with a monthly contribution?

I am confused when it comes to ETFs. Many state that their main advantage is that they are low cost. I understand that they are traded as stocks. I want to invest my money in 3 index ETFs (USA, ...
4
votes
4answers
241 views

Where should a young person living in Switzerland invest their money?

I am an 18 years old student living in Switzerland, doing my apprenticeship as a software developer. In the last few years I saved around 10'000 francs and instead of buying a car I thought to invest ...
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0answers
22 views

How can I find historical real estate sales data by ZIP code? [closed]

I am looking to invest in small multi-unit housing properties, but would like to know more about long-term sales price trends in the region of interest. I am new to real estate investing. Are there ...
7
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4answers
1k views

Are bonds worth the investment since they don't compound?

I was talking with my parents and they told me they have been buying 30 year EE bonds at $100 every 2 months with an interest rate of 4%. Because it is an EE bond, it does not pay a monthly coupon. So ...
4
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3answers
233 views

How can I get my mother to get to minimally understand the advantages of index investing?

She has a very long investing horizon (several decades according to actuarial life table), so index investing would be perfect for her. I'd like her to read "Little Book of Common Sense Investing" and ...
0
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1answer
33 views

How to properly document owner investment into business

Say you have a new business and want to invest your personal income into the business to start. Say you initially just invest $25 to satisfy the bank's requirement for a new account, and say you ...
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0answers
21 views

Financial Planning/Investment Advice (Singapore-US related)

Hope you guys can offer some advice! I'm a Singaporean (26) just out of university and trying to think about my finances in a more structured way. I currently have Income (yearly): 7.2k mandatory ...
0
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1answer
84 views

Is it a good idea to invest in buy-to-let if rent does not cover mortgage payment?

Background: To benefit from current favourable interest rates in my region (France: ca. 1.5%pa fixed over 20 years), I am considering investing in a buy-to-let property. I consider that interest ...
1
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1answer
48 views

CAGR and Dividend Yield

I am brand new to this, but am looking for some guidance when it comes to calculating the estimated FV of an investment in stocks with dividends reinvested in the same company. I'm going to be really ...
0
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1answer
87 views

Investing loan amount taken primarily to increase credit rating?

I had been facing very big issue of bad credit score of mine. I was not able take any credit cards and I was constantly kept applying for new credit from different sources. It took my credit score ...
0
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2answers
189 views

As a teenager, what's the best way to learn about investing? [closed]

I'm a 16 year old from India who wants to learn the basic principles of investing in order to secure a better future for myself. I've been reading quite a bit on various websites but those that I ...
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0answers
43 views

When should non-resident alien investors file IRS taxes?

I am a non-resident alien with a tax residency in my country of origin. I have opened an investment account with a broker in the United States. What (if at all) do I have to file with the IRS?
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3answers
1k views

Help getting started (I've just opened a trading account) [closed]

I'm new to online trading and to investing. I also don't have a lot of money. I want to start by investing maybe $200 to learn the ropes. I know it's not a lot but it makes me less nervous about ...
3
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2answers
202 views

How to invest in art? [closed]

What are the ways people can/do people invest in art? Or what strategies are there? In company investment, off the top of my head, you can: Invest in index/managed funds Invest in start ups/rising ...
2
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2answers
239 views

Global Small-Cap Index Fund has an annual average rate of return of 14%?

I'm new to learning about investing so this may sound stupid. But I'm from the UK and I looked up different index funds on the Vanguard UK website. And since its inception (in Jan 2010), the annual ...
1
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0answers
49 views

I am 21 years old and I wish to invest my $15.000 of savings but don't know how to [duplicate]

I have been working for a while now and I realized that I have saved a moderated sum of money that I wish to invest and eventually make it grow. But, it happens that I am new to investment. I ...
0
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1answer
96 views

Portugal's stock market vs France's stock market [closed]

I am 23 years old and I'm just diving in to the world of investing in stocks and funds. I wonder if it would be worthwhile to invest in French stocks. My father has invested for about 15 years and ...
1
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1answer
250 views

Investment strategies for an 17/18 year old

Background: I am 17 years old, finishing school and turning 18 in 3/4 years. I'm planning on going to college/university directly after school. I have a private Giro with ~1000€ (0.2% interest) and a ...
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2answers
55 views

When do Commissions get charged?

I'm looking to finally start trading real money, and the broker I used to practice NEVER said anything about commission. Whenever I calculated the expected outcomes, commission did not seem to be ...
1
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3answers
236 views

Can a non-profit company make profit? [closed]

My cousin suggested a startup idea to me, I suggested that he could make it a non-profit since it fits all the requirements of an non-profit company and it would be much easier for him to get ...
2
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4answers
237 views

Investing on a low budget

Let's say I had 1,000 dollars to start investing, just an example. TSLA is a little over 320 dollars right now as I type. So I decide to buy three shares, for whatever reason. I know have about 40 ...
1
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3answers
468 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 ...
4
votes
1answer
131 views

Should I withdraw from my annuity now to invest elsewhere?

~8 years ago, when I was in my mid 20's, I wanted to start investing but had no clue what route to take. I researched a little and decided a Roth IRA would be the best place to start. A friend's uncle ...
1
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2answers
102 views

Short term (3-4 yr) positions, willing to take higher volatility [closed]

for my fiancé’s birthday I would like to open her an investment or savings account with a small amount of capital (~$500/1000) to be used as a short term investment account. The goal would be to reach ...
0
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2answers
161 views

Investing 11 grand as a Uni Student

I am currently 18 years old and from part-time work have saved up approximately £11,000. I am soon going to University (Scotland) (no tuition or accommodation costs). I generally have poor control ...
61
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11answers
28k views

I'm 18 and have 6 grand. What should I do with it?

I'm 18 and about to go to college. Luckily, I don't have to worry about student loans or most other living expenses. I've been working and have over $6,000 (will probably be about $7,000 by the end of ...
48
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7answers
10k views

Why are low risk investments so strongly advised for first-time investors?

Inspired by the flurry of questions on this site about the returns available from investing in equities over the long term, I decided to approach my UK bank about setting up a small investment fund, ...
1
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1answer
114 views

How is the index fund price calculated

I'm very new in this and I'm a bit lost with index funds. I'm checking this out for example http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/l/legal-and-general-...
4
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2answers
155 views

Investing in stocks & shares ISA- when to make deposits?

To start with, let me say that I am very new to investing- have no prior experience of it... Last year, I opened a stocks & shares ISA for the first time (it is a Lifetime ISA), and my intention ...
0
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1answer
338 views

If I rollover a 401(k) to Roth IRA can I make investments and still withdraw them?

I am a grad student in the US. As an undergrad I managed to save about $20,000, I have no debt, and I have a 401(k) with about $12,000 to which I am no longer making contributions. I am breaking even ...
0
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0answers
191 views

23 y/o looking for advice on where to invest money [duplicate]

I have start my first "big boy" job just 6 months ago. Currently I am putting ~$1000 into a savings account each month that goes untouched. I have saved up $5000 as an emergency cash account for ...
4
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4answers
372 views

How to invest with broker that will still be around in 40 years?

I am fairly young (late twenties), but would like in invest in an index fund or ETF. I will be investing around 700 Euros per month and plan to do so for the next 40 years or so. What happens if I ...
1
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1answer
224 views

I have 10K to invest, what are my options with reasonable risk/income?

So I have 10K to invest. I did not do any sorts of investments before and I am really scared coz I don't know any information and risks and all that. I heard that mutual funds is something to look at, ...
1
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1answer
67 views

Is it time to invest in Bonds given the increase in interest rates? [closed]

Given the ongoing increase in interest rates, the value of bonds will come down. SO, is it time now to invest in bonds?
0
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1answer
338 views

I would like to make my savings work for me: is the “Rich dad, poor dad” a good resource?

I have one source of income (my job) and I've never been interested in investing. Now I need to, because my employer has been quite happy with my job and it has been rewarding me with RSO (Restricted ...
1
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1answer
99 views

Safe strategies to benefit from a foreign nation's collapse? [closed]

Hypothetical scenario: I strongly suspect that within the next few months, a relatively wealthy, medium-sized faraway country will experience a severe economic downturn, collapse, maybe even civil war....
0
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2answers
47 views

Where is the best place to ask question on US and UK share dealings for newbies? [closed]

I am new to investing. I am reading through the investing for dummies, reading up on terminology and reading forums on shares I am interested in and have shares in. I have started dabbling before ...
2
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0answers
66 views

Investment options for remote money in US

I live and work in Russia normally but recently I've been to United States of America, doing work for my employer. I was paid in US dollars and money was transferred to my US bank account. I've ...
3
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2answers
245 views

Loan up to 22k, what to do?

I am a student who recently started working and have a salary of roughly 1.2k euros per month, most of which goes to savings because I live with my parents. Due to my salary, my bank offers me a loan ...
2
votes
1answer
81 views

Santander investment platform [closed]

Santander (the bank) offer an 'investment platform', where you can invest in various funds (albeit, a limited range) for a management fee. Is this a reasonable provider to use? What are the pros and ...
11
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3answers
1k views

Detangle this potential scam?

My cousin [we'll call him Chuck] has gotten involved with an investment "tutor" [we'll call him Tim] that has "hired" Chuck to make investments for Tim. From what I understand, Tim allows Chuck to ...
2
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2answers
143 views

As a foreign (EU citizen) IT contractor working in the UK (London) what should I do with my savings?

It's my first question on here so please go easy on me. I am just starting with the forum and building up my wealth so apologies if the question has too many treats. I am 34, single, no commitments,...
0
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2answers
84 views

investing with stash or acorn

I recently came across these 2 apps (and a third, robinhood) which let you invest fairly small amounts of money. stash and acorns charge (at least) $1 per month and let you invest a sum as low as $5 ...
0
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2answers
83 views

Ordering forms / areas of investment by risk

I have studied investing for a short while and would like to test my knowledge by asking a question about this ordering from lowest risk to highest risk of investment opportunities: Government backed ...
2
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1answer
125 views

Best way to start investing for retirement with a lower income

I am wondering what the best approach to begin investing for retirement is with an income under 25k a year. I'm expecting to gain employment within the next year with a job that has a much higher ...
4
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2answers
646 views

What are good investment options for a 19yr old stripper [duplicate]

I’m 19 and working as a stripper part time right now and I make 60k a year, and I plan on doing so for the next 7 years. I have 15k saved up, but it’s just in a bank account. I’m also in college ...
0
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1answer
116 views

Should I pay off my mortgage? [duplicate]

I have €77,000 in my bank account. My mortgage has €75,000 left on it (without interest) and a term of 14 years remaining. The current interest rate is 4%, but of course this can change. Should I pay ...
3
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3answers
195 views

I opened my Roth IRA account. Does it makes sense to diversify my initial contribution of $5500?

This is my first Roth IRA. I am putting $5500 which is the maximum annual contribution I can make. I was planning to apply the 3 fund portfolio technique by investing this money proportionately in ...
0
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1answer
52 views

Determining optimum period for DCA

I have a non-trivial amount of money which I want to transfer from cash deposits into ETFs. I understand that investing a fixed amount each month (DCA) is the best way to go about this for someone ...
4
votes
4answers
244 views

Best Investment for 60 Yr. Old First-Time Investor

I am an unemployed individual in my early 60's. I have no retirement savings nor pensions. I am looking for work but my prospects are dim. Recently I have been compensated $15,000 from a lawsuit. ...