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
61 views

Investing books for the European Union [closed]

I have read 2 books about investing, and they both assume you are US citizen and all the theory and examples they give are about the US market. I have investigated, and I have found that the majority ...
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1answer
143 views

I don't get the following sentence in The Intelligent Investor book

I'm a newcomer in this "Market thing", and I'm learning from books and videos. I'm currently reading "The Intelligent Investor" and I don't understand the following sentence: In 1925, plowing ...
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1answer
205 views

Are there Bond ETF’s that don’t go down? [duplicate]

I would like to put some percentage of my money in an investment that only goes up, even if it goes up only by a small amount. One way to do this would be to put my money in a bank account, but I’d ...
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0answers
50 views

Is Trading 212 fair and legitimate broker for buying ETFs?

I am looking for a way to make an investment into an ETF. Many of the low cost international brokers are unavailable in my country while the local banks have fairly high commissions. I got a ...
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3answers
217 views

Is putting most of one's one money in dividend ETFs a reasonable long-term strategy?

I'm considering putting most of my savings (about 55,000 €) in an ETF with focus on dividend payments as I want some of the returns accessible to me without having to sell. I'm planning to go with ...
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3answers
228 views

Where or how to invest short term money

For a short time (about a year or so) I will be able to put away about $2000 a month. I have looked into stocks, played to stock market a while ago and lost a lot of money, yes i was playing in the ...
6
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2answers
1k views

Roth IRA vs taxable investment account

I'm new to investing, using M1 Finance, and have been doing some overall research. From what I know, Roth IRA is tax-free income and mostly used as a retirement plan so if I invest in a Roth IRA ...
0
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1answer
121 views

How to interpret returns on index funds

I don't quite understand how investing into index funds works, or how to interpret the average historical returns. Let's say that, 10 years ago, I decided to invest $30,000 dollars at the end of each ...
0
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1answer
163 views

Best way to start investing, for a young person just starting their career in Europe? [duplicate]

I'm in my 20's and just starting my career as a data scientist. I live between the United Kingdom and the rest of Europe. I have read the answers to this question but it seems to be very US-centered. ...
2
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3answers
197 views

Two realtors estimating different price ranges

I'm looking into investing into a specific apartment. It hasn't been publicly listed as for sale yet, I just happen to know the current owner. The owner asked me to do my own research and make him an ...
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3answers
302 views

Day/swing trading: Making 30 USD per day with 10000 USD capital possible?

Is it possible to make 30 USD per day starting with 10000 USD? How much risk would I have to take to get this return? What knowledge/skills do I need to get this return?
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2answers
170 views

Advice for an 18 year old about Investing? [duplicate]

I'm currently 18, I already have investments in a variety of conservative mutual funds through the Stash app, however I want to get into actually investing for extra income. I currently have a steady ...
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1answer
48 views

How to make strategy for diversification between real estate and stocks?

I am living in tier 2 city in India and my father have all investments in real estate in my city. He had brought land earlier(20-25 years ago) when the prices were pretty low. It has given so much ...
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0answers
72 views

How to contact an investor for a business?

I recently opened a startup and I am preparing a well-crafted presentation of my idea for potential investors. I have to admit that I really don't know how to contact them. Finding them is ...
3
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1answer
283 views

If I want to invest as a 19 year old, how should I go about it? [duplicate]

I'm a 19 year old student and I have a part-time job as a programmer. I make 20 euros an hour and I work about 10-15 hours a week, depending on school responsibilities. I earn 800 euros a month, ...
0
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7answers
450 views

If the market always goes up then why doesn't everybody invest and become rich? [duplicate]

I'm new to investing and I've heard investors saying that the market always goes up, so in the long term, everybody is going to win. Is it true, if so then why doesn't everybody invest and get rich?
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2answers
133 views

What are the steps for opening an investment account and starting investing in the UK?

I want to start investing some money I have saved. I have investigated about this but I'm still not secure about what to do. I have called to my bank to ask questions but they didn't help too much ...
0
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3answers
181 views

Do I need a brokerage account to invest in ETFs?

I want to start investing in ETFs, but this is my first time doing this and I don't know what do I need to do for buying stocks. I want to buy some ETF that tracks an index such as S&P or FTSE100,...
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2answers
53 views

Sell rating and how do you use that

When watching the financial news, there is usually the upgrades and downgrades part of the show. At that time they share what companies have been upgraded to buy, but also which ones are downgraded ...
2
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2answers
149 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 ...
0
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3answers
467 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 ...
1
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6answers
201 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 ...
34
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8answers
14k views

Realistically, how much do you need to start investing?

I don't have a lump sum but may be able to set aside £2k-3k per month. I am already paying into a pension fund but that seems unlikely to go far. Yet I think it's a good safeguard. Can I start ...
4
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5answers
335 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....
2
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1answer
86 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. ...
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1answer
216 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?
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2answers
250 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
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2answers
158 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
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1answer
127 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
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0answers
70 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
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3answers
210 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 ...
46
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10answers
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
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2answers
105 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
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0answers
55 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
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2answers
427 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
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3answers
232 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 ...
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3answers
146 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
146 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 ...
45
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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,...
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3answers
272 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
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1answer
100 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
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3answers
310 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
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2answers
166 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
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1answer
65 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
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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
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2answers
144 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
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5answers
431 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
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4answers
260 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 ...
51
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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
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2answers
246 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, ...

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