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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3answers
124 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
48 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
136 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 ...
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 ...
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3answers
237 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 ...
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2answers
94 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 ...
11
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2answers
1k views

How to start investing for an immigrant?

All the below description is just to clarify my current situation. I am a 27 y.o. single male immigrant from the third world (in a process of applying for a green card) who works as a developer ...
45
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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 ...
4
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5answers
318 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
74 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. ...
305
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16answers
56k views

Best way to start investing, for a young person just starting their career?

I am young, just started my career, and looking to begin investing so I can make my money work for me. I'm still living like I did in college (occasional purchase on myself, but most of it goes into ...
-1
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1answer
193 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
243 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 ...
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2answers
137 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 ...
2
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1answer
68 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 ...
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3answers
200 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 ...
0
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1answer
123 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
55 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 ...
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0answers
54 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
364 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
225 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 ...
5
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2answers
1k views

How should I invest my money as a young graduate in Europe?

This is related to this question, but that question's answers are 95% tailored for residents of the US, basically recommending to full out the 401k retirement plan and this and that about stock market ...
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3answers
247 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 ...
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3answers
141 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.
5
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1answer
171 views

Where can I buy bonds and other securities other than stocks?

I keep hearing that I can only buy bonds and other securities such as Treasury Bills from a broker...the thing is, I don't want to pay a broker (yet). I know I can buy stocks online through a trader ...
19
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9answers
2k views

Investing small amounts at regular intervals while minimizing fees?

My daughter is about to turn one year old and I'd like to start some sort of investment account for her. The purpose would be to invest her birthday and gift money into the stock market each year. I'd ...
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3answers
141 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
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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,...
2
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2answers
586 views

Take out a loan to invest

So, maybe a crazy idea. Let's say I take out a personal loan at my credit union with "0" to 4.5% interest with a payment I can afford from my personal income. Repayment over 5 years. I take the ...
2
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1answer
84 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 ...
4
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2answers
3k views

Are there any benefits to investing with a group of friends vs. by myself?

Total newbie here... Are there any benefits to setting up an investment group/club between myself and three other friends, as opposed to doing it by myself? I am only talking small amounts, say $25 ...
8
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1answer
786 views

How to save and partition money for a University student

I'm about to start my first "professional" internship/job, but I will be getting paid. I will be making around $1100 every 2 weeks and saving around $8800 during the whole summer. This is more money ...
2
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3answers
289 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
132 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
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
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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
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 ...
1
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2answers
182 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, ...
52
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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 ...
0
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5answers
423 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
252 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 ...
0
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2answers
259 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 ...
4
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4answers
373 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
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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
269 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
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 ...
1
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1answer
615 views

How should somebody just starting their career begin investing for short-term goals?

I am young, just started my career and looking to begin investing so I can make my money work for me. I know there are two types of investments: short term and long term. Could anyone provide some ...
3
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3answers
200 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 ...
1
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2answers
409 views

Best way to maximize current income from stock market as a low income person

Due to some health problems it is quite difficult for me to work full time. I get my income from odd jobs and on-line surveys. I was wondering what the best way to maximize some of that income. ...
1
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1answer
318 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 ...