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
1answer
376 views

What types of investment activities historically provide highest average ROI? [closed]

I realize I am going out on a limb with this question, but it's been on my mind for a while so here it goes. When engaging in a particular type of investment activity, be it stocks, bonds, mutual ...
1
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2answers
155 views

How does Portfolio Turnover affect my investment?

I am looking at investing in a mutual fund and reading over the Fund Summary Prospectus. There is a paragraph that says Portfolio Turnover The Fund pays transaction costs, such as commissions,...
3
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4answers
543 views

Why diversify stocks/investments?

I always hear people telling me things like: Diversifying your stock/investment portfolios helps ensure more profits/success. It's common to diversify portfolios (usually this is said with no ...
5
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2answers
516 views

Are stocks suitable for mid term money storage?

I hope this question is OK for the site I have the following problem: I have about 40K €, which I don't need and its sitting in my bank account. I have no idea on how to invest, so I am looking for ...
0
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1answer
129 views

When to start investing in the stock market?

Backstory: I am in my first job in my professional field. After all my bills are paid, I have ~$1k left over every month. These bills are all inclusive, mortgage, groceries, gas, etc. My job is with a ...
37
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10answers
9k views

Should a high-school student invest their (relative meager) savings?

I am a high school student, I don't really have much money, between one and two grand in my savings account. However, I have friends who are investing in both penny stocks and stocks. I do not really ...
3
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2answers
414 views

Should I talk about my stocks?

If I am going to buy some stocks of companys; I wonder, if I should talk about that to others and strangers. Is there any harm, if someone knows, which stocks I have? Can someone misuse these ...
2
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2answers
115 views

Calculate a Fund

I did an investment. I am worried I misunderstood everything. I am not worried about the money I was looking to do something risky, but looks like I might have to learn the hard way about doing more ...
2
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2answers
140 views

Confirm Dividend Yield

I would like to set up a passive income. I was looking at investing in stocks, but I don't know much about it. I am thinking about choosing at least 20 solid companies that pay a good dividend. As an ...
5
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4answers
552 views

Should I start investing in property with $10,000 deposit and $35,000 annual wage

I am a 23 year old Australian man with a degree in computer science and a steady job from home working as a web developer. After expenses I have about $1000 a month spare cash if I am careful with my ...
2
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4answers
7k views

Buy or sell futures contracts

I cannot find a clear and unambiguous definition of the terms "selling futures contract" or "buying futures contract". From Hull's book: [...] a futures contract is an agreement between two ...
3
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1answer
2k views

I have 50k and want to build up a passive income [closed]

Right now I have 50k/no debt and I am trying to build up a passive income. I need something that will generate me around 5k a year. I'm a little scared and don't know much about investments. I'm ...
5
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1answer
257 views

Basic index fund questions

I'm new here. I'm 30 and very interested in getting started with an index fund, but I need some guidance about some things that I can't seem to find the answers to. Is there a way to roughly ...
1
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1answer
179 views

Determining amount of inflation between two dates

How do I determine the inflation rate between two dates? Can I use the difference in consumer price index between the dates rather than a series of inflation rates? Reason for the question: I am ...
1
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0answers
37 views

What Kind of investments should a new person in money should start with first? [duplicate]

I am thinking about entering the world of money and what should a first time investor should do to get a idea of what they are doing?
2
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3answers
182 views

Basic Questions About Index Funds

Short and sweet: I notice on every website there is a 'minimum investment' and also a 'price' or a 'NAV' associated with every index fund. If I wanted to open an index fund like Vangard's S&P 500 ...
5
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5answers
3k views

How and Should I Invest (As a college 18 year old with minimal living expenses)?

I'm currently 18 years old and about to head into college. I have about $1K in savings, and have been told that you should get into investment and saving for retirement early. I make around $200 per ...
1
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1answer
360 views

Advice For an 18 Year Old [duplicate]

I just turned 18. I have a bank checking account and I'm thinking of starting a Roth IRA with some of the money I am earning this summer. I have a credit card linked to my parents account (I use this ...
14
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2answers
3k views

How do I invest in the S&P 500?

If I want to invest $4000 in the S&P 500 stocks (which is diversified and non-risk), how do I do this?
4
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2answers
973 views

How would one follow the “smart money” when people use that term?

From time to time, articles talk about following the "smart money". My question is: What indicators or sectors do we look at that is considered the "smart money"? If everyone is following the smart ...
6
votes
4answers
742 views

How should I begin investing real money as a student?

(Skip to the 3rd paragraph for the basics.) Alright, so for starters, I'm in high school. I'm 17 and have two jobs: one is for fun, basically, and the other is a job that I can live off of. I go to ...
5
votes
3answers
805 views

What is the smallest amount worth investing in index funds?

Say I have just a few hundred dollars available which I want to invest long-term. I'm still saving money and putting it aside each paycheck, so if I wait 6 months I'll have a few hundred more to ...
4
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4answers
1k views

Unmarried couple, should we open a joint investment account or separate accounts?

My partner and I are unmarried and will be remaining that way. We want to finally start an investment portfolio and taking advantage of things like IRAs etc. I will be managing the portfolio(s) for ...
3
votes
1answer
343 views

Home buying vs Investing

Note: I've read a few similar questions around the site but many are investment focused only and don't factor in housing questions. Right now, my husband and I are pulling in about $50k/year. My ...
0
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1answer
95 views

Looking for advice on my first investment [duplicate]

I am 32 years old and single, looking for some advice on what I can do with about $10k for my first investment. I currently just have it sitting in the bank and would prefer to use some type of ...
4
votes
1answer
606 views

Best book to learn about stock market and investing for an absolute beginner? [closed]

I'm looking for a book to read that will teach me about the stock market and investing (how to determine the health of a company and its stock, etc.)... starting from the bare basics. To give you an ...
4
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1answer
2k views

21 years old and saved up $20,000 from working. What should I do with it?

My main concern is making the $20,000 that I currently have saved, substantially grow. - I currently am able to put roughly $500 into my savings at a bi-weekly period due to my part time job. - I am ...
4
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3answers
438 views

Is investing exlusively in a small-cap index fund a wise investment?

I'm 26 live in the UK and do not own a home. I have a regular income of which I save about 33% off after tax and I've good job security. I'm single with no children. I've 60% of my savings in a P2P ...
10
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4answers
3k views

Can I buy stocks directly from a public company?

Is it possible to buy stock directly from a public company, bypassing a broker? It seems that discount brokers do nothing more than facilitate a trade and take a cut - I'd like to eliminate the ...
1
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2answers
426 views

Highstreet bank fund, custom ETF or Nutmeg?

I want to start investing a regular monthly amount to a fund, and by choosing a highstreet bank fund I'm wondering if I'm not making a mistake. Basically, the fund they are trying to sell has, in ...
2
votes
1answer
240 views

Age 24, with $12k saved, in Canada. Should I invest or save for a condo down payment? [closed]

Not to finance-savvy. I am 24 years old with about $12k saved. Working full time. No debt. No investments. What should I be investing in at this age? I was thinking of saving about 20 percent down ...
8
votes
2answers
823 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 ...
3
votes
1answer
266 views

What is down -34% in stock terms?

Apple is now at 100.54, all time high is 134.54, #AAPL is now down -34%. I fail to comprehend the above sentence. The way I usually interpret it, say if a stock all time high is 100, it is down 30%, ...
3
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2answers
1k views

How can I compare the risk of different investing opportunities?

I have some money to invest and I consider different investing options. For instance I could: Let the money on a tax-free account 0.75% per year (the % can be changed by the state if inflation is ...
3
votes
3answers
1k views

Does girlfriend have too much savings, time to invest?

My girlfriend is quite frugal and has successfully maintained an emergency fund of about $15,000 with an "incidentals" account that sits around $3,000. She does not earn a lot of money, about $35,...
25
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10answers
4k views

Why is property investment good if properties de-valuate over time?

So I was reading that investing in property is a safe and solid investment (but low on return). This is based on how the prices rise e.g. a property price in the 1980's vs 1990's vs 2000's vs 2015. To ...
35
votes
4answers
4k views

Should I invest when in debt?

I have just consolidated my debt and am thinking where I want to be in the future. My payment plan is to be debt-free in three years. It is not an extremely aggressive plan; I still want to have a ...
4
votes
4answers
374 views

Should I replace bonds in a passive investment strategy

In a passive investment portfolio one usually has some sort of mix between stocks and bonds which are supposed to offset losses from each other. I've read that because of low interest rates persisting ...
4
votes
4answers
714 views

Basic questions about investing in stocks

I've had some questions regarding stocks that have been bothering me for a while. They are naive, but that is the whole point: to understand what they are and fix my misconceptions. What is a stock? ...
0
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1answer
1k views

Buying shares- Stocks & Shares ISA, or Fund & Share account?

While researching where to invest some capital (currently in fixed term savings, but will mature soon), someone I spoke to at my bank mentioned that given how low interest rates are on savings at the ...
7
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1answer
1k views

Turning 30 and making the right decision with my savings and purchasing home

I just turned 30, I have a job which paying me $100k in Los Angeles, I have zero debt, excellent credit score and $65k in my bank account. I am single and I am paying more than 30% in income tax (...
33
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15answers
10k views

Why invest for the long-term rather than buy and sell for quick, big gains?

Somewhat along the lines of this question. I've been putting mostly unmatched money into my 401(k) for a few years. I know that investing is generally seen as a long-term decision, but with volatile ...
2
votes
2answers
419 views

Investment in mutual fund in India for long term goals

I am first time planning to invest in mutual funds. My goal is long term investment. I am 32, married & from India. I would like to invest Rs 10K per month in SIP mode. On reading couple of ...
3
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3answers
1k views

Any Tips on How to Get the Highest Returns Within 4 Months by Investing in Stocks? [closed]

I recently signed up for an investing competition at my school. The competition grants each competitor $1,000,000.00 (of virtual money), where we will be able to buy/sell any stock listed on the AMEX, ...
3
votes
3answers
391 views

Effective returns on investment in housing vs other financial instruments

In One Up on Wall Street, Peter Lynch recommends housing as the best first investment: Because of leverage, if you buy a $100,000 house for 20 percent down and the value of the house increases by ...
3
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5answers
294 views

What things are important to consider when investing in one's company stock?

I have been invited to invest a portion of my monthly wages in stocks for the company I work for (they'll match 30% of my investment). I'm interested in putting away some money for my family as I have ...
2
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1answer
144 views

How to mitigate the risks of buying a stake in a company

I work for a small Limited company in the UK that's owned 100% by the MD. I'm one of the management team so have some influence over the direction of the company, but no directorship or ownership ...
10
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4answers
1k views

As a young adult, what can I be doing with my excess income?

I am a 20 year old living in the UK. I've had a look at my monthly incomings/outgoing and have realised I have approx £400-600 (~$600-$900) to spare per month, and that at the minute I'm just ...
1
vote
3answers
739 views

Should I buy ~$2200 of a hot stock or invest elsewhere?

Right now I'm 23, decent job ($50k/yr), about $6k in the bank, and about $50k in debt (car loan, student loan, no credit card debt or other 'high interest' debt). I'm about to start putting roughly 8-...
7
votes
5answers
683 views

How to invest a $1000 in an index mutual fund?

My pre-teen daughter saved up a $1000 and I thought it might teach her how finances work if we invested it in a mutual fund. Specifically in an index fund like S&P 500 or some such. The problem ...