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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4
votes
5answers
278 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....
1
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0answers
54 views

Financial intelligence books for young adults [on hold]

What financial intelligence books would be great for a 26 year old male software engineer to read to help me improve my personal finance habits and help me retire early. Preferably books that explain ...
2
votes
1answer
70 views

USA, NY State Homeowner Post-TCA: Should I pay off mortgage or attempt to find investments?

While trying to build a model for our finances, I've managed to confuse myself reading various threads. Any advice appreciated to get me on the right track or pointed towards modelling spreadsheets. ...
-1
votes
1answer
189 views

First step to get going with passive income? [duplicate]

I want to start generating additional income streams and what I've heard of most is "passive income"! I googled a lot, but I am not quite sure what option fits a beginner best... Any advice?
0
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2answers
233 views

Where do I go to invest?

I have been reading up on investing my spare savings in index funds/bonds and so forth and I am very interested in saving my money for long term use. But all the sources are not clear on what and ...
1
vote
2answers
126 views

How to choose an Online Investment Platform?

TL;DR: Although I know all the things I want out of an online investment platform, I have no idea how to find which platform best offers those things. I have spent some time organising and planning ...
0
votes
1answer
122 views

Asset class with highest long term return

I have heard, as a loose rule, assets classes which have low volatility, generally, have low returns. Good to hold on to close to retirement time. Conversely asset classes which have higher ...
1
vote
0answers
51 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 ...
1
vote
3answers
198 views

How to choose between fund managers?

My Situation A few years ago I invested with JP Morgan Chase mutual funds conservatively. Lately I was thinking about opening a more aggressive portfolio for the long term (10-15 years) and put in ...
45
votes
9answers
19k views

I won USD 50K! Now what should I do with it?

I won a sweepstakes and will be getting USD 50k...it is verified that it is legitimate although no taxes have been taken out so I will have to claim this income on my taxes next year, they will send a ...
2
votes
1answer
65 views

Comparing APY to Money (or time) Weighted Return

I have a savings account with Ally and an investment account with Wealthfront. I'd like to know how the investment is doing, compared to just leaving the money in my savings account. Ally gives me an ...
0
votes
0answers
52 views

What does unit value represent in a mutual fund?

I've been utilizing an app that allows me to manually track all of my portfolios and see how investments are performing individually, per portfolio, and/or as an entire financial asset. I've pulled in ...
3
votes
2answers
360 views

Where can I invest into S&P500 without leverage

I was willing to invest into S&P500 index but cannot find any platform without a huge leverage (for example iqOption, plus500 have leverage of 1:20 which makes usually safe investment become ...
6
votes
3answers
221 views

Jazz Musician/Software developer seeking investment strategies

I'm a jazz musician from Argentina, and, as you may already know, music hardly pays the bills. At the moment I'm working as a part-time software developer (something I've learned by myself in my spare ...
1
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3answers
139 views

Steps to making first share purchase?

I would like to know the steps I can take to buy shares, for a common man having a bank account and PAN card.
1
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3answers
139 views

Compliant investing

After saving for a couple of years, about half a year's salary has accumulated in my savings account and I now want to start investing long term in index funds, however if I open a securities account ...
44
votes
5answers
11k views

When to stop saving and start investing?

Since I started my first job after graduating a few years back, I always saved a certain percentage of my salary each month on an extra savings account my bank offers. At that time, and until recently,...
1
vote
3answers
235 views

France, started investing, don't know how to proceed long term?

I live in France, I am 24, and recently started being able to invest. To do so I decided to open a "Livret Bleu" with my bank. The Livret Bleu is virtually the same as a Livret A, same interest rate ...
2
votes
1answer
77 views

Why are these 2 Morningstar charts apparently different?

I'm trying to compare two ETFs on www.morningstar.com. I'm not able to understand why the ending of two price charts are different, i.e., in 2019. In the 3-year graph, stock 1 is slightly higher in ...
2
votes
3answers
285 views

I have 25,000 in savings and I want to invest, but I don't know where to start [duplicate]

I've been collecting information about the best investment practices, however I'm have very little financial knowledge and was hoping someone here could point me in the right direction. I feel like I ...
2
votes
2answers
123 views

Managing investments for multiple goals

I have been investing towards multiple goals, like Retirement, House, Car, Vacation etc. So I make monthly deposits against each of these goals. But I have a single fidelity account for investing, so ...
0
votes
1answer
61 views

What are some good investment options for a foreigner in France who doesn't have a permanent residence permit or a French citizenship? [closed]

I'm a non EU citizen living in France, with a work permit valid until December 2021. I don't have permanent residence permit yet, but will apply for it soon with a year or two. So I was wondering what ...
10
votes
5answers
3k views

What type of investment is best suited for a 1-year investment on a down payment?

I'm looking to buy a house, but lacking in the capital to make an adequate down payment on said house. My lease expires in a year from now, so I am looking to build up my capital through investment ...
1
vote
2answers
142 views

money investment [closed]

I am trying to invest money because I have around 3218.45 USD which I could invest, and start generating money. I am out of ideas in how can I invest the money to start generating money from my money ...
0
votes
5answers
421 views

How Should I Start a Savings?

I'm 22 and looking to start saving, and having my money work for me. I've got a few options I'm aware of right now: a) Going in with my bank's Mutual Fund plans, b) going safe and using a TFSA-GIC ...
2
votes
4answers
251 views

Buying the dip & Staying invested — how do you follow both at the same time?

Two pieces of advice I read most often in regards to stock market investments are: Stay invested in the market -- time in market is more valuable than timing the market. Buy the dip -- if the market ...
52
votes
12answers
17k views

Invest $50,000 in cash or borrow $100,000 and get a mortgage?

I have $50,000 saved and I'm paying $760 on rent right now. All my relatives are telling me to get a mortgage so I don't "throw money away on rent", but I just don't like the idea of getting in debt ...
1
vote
2answers
180 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
369 views

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

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 ...
7
votes
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
votes
3answers
267 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
votes
1answer
45 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 ...
0
votes
2answers
255 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
vote
1answer
302 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
votes
1answer
92 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
votes
2answers
213 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 ...
1
vote
0answers
44 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?
3
votes
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
votes
2answers
224 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
votes
2answers
262 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
vote
0answers
50 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
votes
1answer
105 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
vote
1answer
422 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 ...
0
votes
2answers
57 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
vote
3answers
300 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
votes
4answers
244 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
vote
3answers
543 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
134 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
vote
2answers
104 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
votes
2answers
175 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 ...