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
100 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....
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2answers
48 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
73 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
266 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
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1answer
94 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
2k 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
160 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
90 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
102 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
127 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
855 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
125 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
197 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
57 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
261 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. ...
0
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1answer
64 views

Ready made funds?

I see on Interactive Investor, there are options to purchase ‘Ready-made funds’ such as European, US, UK markets. From the website: “Each ready-made selection holds four separate funds, all of which ...
0
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0answers
113 views

How to begin ethical investing? [duplicate]

So, I would like to start investing for the long-haul (10 - 15 years, expecting 4% ROI). When I looked up the top Broad European Stock Funds, I get an index that includes these holdings: Nestle SA ...
31
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4answers
9k views

What are the benefits and disadvantages of investing $60-70K in the following methods?

I have $60-70K that I'm planning on investing in stocks/ETFs/funds. What are some of the advantages and disadvantages of investing this amount of money with a human financial advisor vs an automated "...
0
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5answers
208 views

How should I pick an Investment account?

I have recently managed to secure a graduate job and I started think about investing part of my income. I am at the start of my career so I would probably be able to invest around 600/month. I ...
1
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1answer
114 views

Why doesn't Graham consider gold as an investment?

Before the end of the negative interest rate I was wondering what about investing my money in raw materials, maybe in gold. Having almost finish my reading of The Intelligent Investor I was wondering ...
3
votes
1answer
144 views

How do I pick the right company for investing services?

I am looking to move forward with my life and get my finances on track/be financially responsible. Part of that plan has me wanting to start looking at investing and other means to help grow my ...
4
votes
1answer
296 views

Medium-term money investment in Germany

I'm an expat from Russia living in Germany and I'd like to invest 10-20k€ for 1-3 years somewhere. Bank deposits have an extremely low interest rate. The most popular investment is property but I'm ...
8
votes
2answers
675 views

What to do with $2115 disposable income per month?

I want to start investing money, as low risk as possible, but with a percentage growth of at least 4% over 10 - 15 years. I won't need this money until then so can handle locking it away or risking a ...
-1
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1answer
54 views

How to invest in tax liens? [closed]

I'm looking for some tips about investing in tax liens. How can I maximize profits? How much money do I need to invest in tax liens?
2
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4answers
503 views

How best to grow my small amount of money starting at a young age? [duplicate]

As someone close to being an adult and going to college, I have earned a small amount of money ($3000) and am looking to start my lifetime savings and get a head start by investing my money rather ...
183
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23answers
60k views

What options do I have at 26 years old, with 1.2 million USD?

I'm a 26 years old female, got into an accident that almost killed me; I sued, and after attorneys fees and medical bills from hell... I will walk away with around 1.2 million dollars tax free. Here ...
1
vote
1answer
367 views

How many warrants do I need to exercise to get a stock?

I am getting the following information from the link http://www.nasdaq.com/symbol/ipoa.ws Social Capital Hedosophia Holdings Corp. Warrants, each whole warrant exercisable for one Class A Ordinary ...
14
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3answers
8k views

Should I open a Roth IRA or invest in the S&P 500?

I am a 24 year old high school teacher. Currently, I don't have that much capital to open two accounts. I would rather focus on one at a time until I gain more capital. Should I start with a Roth IRA ...
1
vote
3answers
471 views

Make your money work for you

Background I am 30 years old with no financial education growing up. I live in Yorkshire UK. Up to the point where I got married, I was very careless with money (money spent on electronics). I got ...
2
votes
3answers
208 views

How do i get into investing stocks [duplicate]

How do I start investing stocks? I have around 50 bucks I want to start buying stocks the problem I don't want pay a commission fee and the second problem is I live in Europe which means I don't have ...
2
votes
2answers
532 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 ...
4
votes
6answers
359 views

How to acquire skills required for long-term investing?

Imagine I want to buy shares of companies and hold them for a long time. Ideally, the valuation of these companies and/or the dividends they pay will increase over time. I asked a friend what skills ...
-1
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2answers
130 views

Valuing a small business to invest in [closed]

I am looking to invest in a small business, they need let's say 20k to take the company to the next level. The company is currently a pretty much one man band, wanting to expand to employing several ...
2
votes
3answers
102 views

Looking for good investment vehicle for seasonal work and savings

I am looking for an ideal investment vehicle for the following situation a family member is in (and for which I'll soon be in also, as we both perform the same work). Our work is seasonal, and it ...
4
votes
3answers
219 views

Returning to the UK after working in Switzerland, What to do with my Swiss Francs?

I'm in a situation where I have around 20k CHF. I'm wondering whether to invest the money before returning to the UK, or just exchange it for GBP. I have no immediate plans for the money and will ...
6
votes
2answers
971 views

What's a good option for passive income for a college student?

I'm entering my senior year of college, and will have very minimal, if any, debt upon graduation. From self employment and internships I've saved up a decent amount of money over the past several ...
0
votes
1answer
129 views

Warren and it's investments [duplicate]

Hi guys I'm like of course many others getting started on investments. Current college student, reading the intelligent investor. My question is: how can I learn where to get started? I'm overflowed ...
0
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2answers
86 views

Trader Fostering Program on Futures Day Trading [closed]

I'm an Engineer, specialized in signal processing. Caught interest in the market so started reading "The intelligent Investor" and had a bunch of books queued for reading before deciding to commit ...
1
vote
2answers
67 views

Does a low expense ratio off-set a transaction fee? Or is it better to go with a high-ratio mutual fund without a transaction fee?

I currently use Fidelity for my Roth IRA. I am very interested in socially-responsible/sustainable/alternative energy investing. However for these type of funds I am typically finding 2 options: ex: ...
1
vote
1answer
190 views

Where to start with personal finance in Canada?

This will obviously differ by situation, and might be overly broad, and very closely related to Where to start with personal finance?. But how about some Canada specific answers? Say you've reached ...
5
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3answers
161 views

Need help with the psychology of investing: past failures and future fears

I'm really struggling psychologically with investing concerns and need to get some perspective. The problems are the Past and the Future, and both effective our financial sense of well-being. The ...
3
votes
4answers
514 views

What should I invest with a spare $5000

Some background info: 23 years old, still schooling in university I have emergency funds, health insurance, 0 debt (Except yearly insurance payments) I am not looking to start into index ETFs as I ...
0
votes
1answer
147 views

Investing in a growth stock periodically

I have identified a stock after doing some research and planning to follow the below investment plan for my investments in the stock: Buy a stock at $10 per share with the $1000 I have - I am hoping ...
1
vote
5answers
1k views

How often do typical investors really lose money?

I know this is a bit too trivial for most of you, but please bear with me as I am a novice at this. My question is: How often does an investor lose money? What I know is: investors lose money by ...
6
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3answers
582 views

What are the simple ways to develop confidence in Trading? [closed]

I know we all have confidence tucked away in us somewhere; we may use it for our day life (i.e sports, odd job at home, etc). How can we develop confidence in trading?
3
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3answers
527 views

Beginner dividend investor - first steps

first post here. It will probably be quite long, but I hope to provide all the relevant details to get specific answers. Introduction: I have never been active in investing: on one hand, I never ...
3
votes
3answers
144 views

Opening a Roth IRA — How to choose a broker?

I'd like to open my first Roth IRA (I'm a student so I'll definitely never be in this low of a tax bracket again). However, I'm not sure which broker (or mutual fund company) to open it with. What ...
8
votes
7answers
11k views

High-risk investing is better for the young? Why?

I have heard statements such as the question's time. Basically, it's a financial motto: "If you're young, take on more risk." I don't really understand it. I figured risk-tasking is a personal/...
19
votes
8answers
8k views

As a 22-year-old, how risky should I be with my 401(k) investments?

As a 22 year old guy, how should I plan my financial life regarding my 401(k) investments? How much risk should I be taking? Also, is it a good idea to invest in a dynamic portfolio with smart beta ...
2
votes
2answers
245 views

Are there good investment options to pay off student loans?

I just recently graduated uni and I'm hoping to try and apply what I learned in my finance classes to paying off my student debt. The biggest surprise to me during my studies was the realization that ...