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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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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
votes
2answers
2k 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
votes
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
398 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
720 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
votes
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
votes
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
votes
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
445 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
votes
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
393 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
votes
5answers
298 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
votes
1answer
150 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
votes
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
4answers
996 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
706 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 ...
3
votes
2answers
123 views

What to do with monthly surpluses?

I live and work in México. Monthly, I have the half of my salary untouchable. I'm thinking on what is a good idea to invest with the surpluses. Is there anything that is recommended for this cases?
4
votes
4answers
376 views

What is good growth?

I want to start rolling rental income into the stock market more. I already max my company 401(k) so I don't mind something that isn't tax deferred. Up to this point I have been saving $5k and then ...
-5
votes
2answers
598 views

I'm 18. How to build good monthly income at my 20's?

I have 18 years , from a middle high class from Brazil. Finishing the high school this year, debt free with plans of studying and living overseas in the next years. I have access to about 20k dollars ...
3
votes
5answers
956 views

What should I do with my money?

I'm a final year University student with about 50k (AUD) in the bank earning interest at 2.8%. I have nearly finished my paid full time placement which is why I have a lot of money currently as I ...
3
votes
1answer
142 views

Best way to do savings in India?

I have started to earn a year ago. All my funds are currently in banks. Is there any better way save money than leaving it in a bank account?
2
votes
2answers
958 views

Why does a ETN that is supposed to track Crude Oil like UWTI show constant decline every year? And am I an idiot for investing in it?

UWTI, VelocityShares 3x Long Crude Oil ETN, which is supposed to track crude oil, shows a year over year negative return whether oil skyrockets or not. I thought it would be good investment with oil ...
3
votes
2answers
539 views

Vanguard S&P 500 Mutual Fund has an average of 10% annual gain for any given period of 20 consecutive years?

Is it true that Vanguard S&P 500 Mutual Fund has an average of 10% annual gain for any given period of 20 consecutive years since the great depression? If my math is correct, than if I were to ...
127
votes
13answers
68k views

I'm 23 and was given $50k. What should I do?

Recently I was given 50k from my grandmother in her will. I am 23 years old and have no idea what to do with it. I make $33k a year. I have zero savings. I owe $35k in student loans over 6 years 0% ...
1
vote
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. ...
42
votes
7answers
5k views

Ethics and investment

I am a young man who has recently reached a point of financial stability. I'm starting to think about long-term plans which may one day buy a home, or provide for myself in old age. This raises the ...
8
votes
3answers
4k views

Best way to invest as a 22 year old with not very much money but no debt

Here's my situation. Not sure if this question has been asked, I think my situation is pretty unique. I am a 22 year old college student living in Tennessee, about to graduate soon with my Bachelor ...
1
vote
2answers
961 views

Learn investing as a programmer [closed]

How much can a software developer learn about individual investing from being employed developing financial software? A few examples of such software would be the Bloomberg Terminal, charting ...
1
vote
5answers
602 views

Long term investment for money

I have some money I would like to put into very long term savings. At least 40+ years. What's the best way to save the money? I would like to accrue as much interest as possible and get a headstart ...
6
votes
3answers
1k views

Best starting options to invest for retirement without a 401k

I'm trying to avoid asking a duplicate question, but I feel my situation is more specific than general beginner's saving or investing. I am a university student with a part time job that does not ...
5
votes
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 ...
1
vote
2answers
183 views

Real Estate: Please review my recent investment (with numbers from recent purchase)

I recently bought a brand new home as a rental property in Syracuse, NY: Price: $200,000 Down payment: $40,000 (20%) Monthly payment: $1,500-1,600 a month (~$800 mortgage + ~$700 for taxes) Price ...
4
votes
3answers
394 views

What is the best use of this cash, investment or payoff bills?

I am 57, will retire in 10 yrs. I have about $7000 from a matured CD. My 'portfolio' consists of a 401b with my job, no matching funds, worth about 25,000. My house will be paid off in 8 yrs. I have ...
1
vote
2answers
136 views

Plan/education for someone desiring to achieve financial independence primarily through investing? [closed]

I just turned 20 and live in the U.S. I haven't started any career, and I haven't graduated with an associates like some of my friends. I'm at a crossroads and I don't quite know what to do. I want ...
0
votes
1answer
178 views

College student lacking investment experience: How to begin investing money? [closed]

I am right now a college student with very little experience investing. I have a little bit of money now that I am looking to invest to increase it. how should I go about this? I have access to stock ...
5
votes
2answers
299 views

What do I do with my extra money in grad school?

I am privileged to have started grad school debt-free and am now earning money as part of the program. I have saved enough money to cover my expenses for a month and a half in a fairly high-cost-of-...
130
votes
8answers
23k views

Oversimplify it for me: the correct order of investing

I have been reading the top posts here, and the recommendations for what to invest in are often similar. What I'd like to know, in as simply of terms as possible, is what the consensus is on priority ...
3
votes
3answers
143 views

What purchases, not counting real estate, will help me increase my cash flow?

I've read several books that recommend making purchases that increase your cash flow. Most point to real estate as the way to go, however this requires a big commitment and some working capital. Is ...
3
votes
3answers
846 views

Start Investing - France

I live in France and I am 20. I am in my 3rd year of computer science degree. Not working regularly yet ! I would like to start investing my savings into something profitale. I currently have a LDD, ...
1
vote
1answer
120 views

What is the best way to invest in US stocks from India?

Being an Indian citizen, I would like to trade in US stock markets (i.e. in NASDAQ and NYSE) Is that possible?
2
votes
2answers
189 views

Good habits pertaining to personal finance for someone just getting started?

I'm in college right now. I'm in my 20s and will graduate next year. I haven't invested in any funds/stocks or anything of that sort. I am not working currently (part time or full time) — well, ...
0
votes
1answer
91 views

Buy and sell stock at specific earnings

I have been invested in a telecom stock for the past year. I buy the stock at ~$5.00 and sell the stock at ~$5.15. I'm roughly on a bi-weekly rotation - sometimes shorter depending on how the ...
2
votes
1answer
234 views

What to invest in with low capital?

I am a recent college graduate, and have a stable job now. I do not waste my money on useless things, so now I have a decent amount saved up (around $50,000). I noticed that my money is just being ...
2
votes
2answers
2k views

Short Term investments without interest

I am new to investing, and am looking for what is the best way to invest. Due to religious reasons I do not want to make money by interest. Are there any other ways to get a decent amount of earnings ...
0
votes
1answer
352 views

Traditional firms vs. Computer managed firms for investing

What are the short term (3-5 years) and long term (5-15years) advantages/disadvantages traditional vs. Computer managed investment firm.
19
votes
5answers
8k views

How exactly does dealing in stock make me money?

Soon I will be coming into a bit of extra money. Rather than simply sticking it in a savings account I would like to make my money work for me and getting into stock seems to be a good way to do that.
17
votes
5answers
3k views

Why might a robo-advisor service like Betterment be preferable to just buying a single well-performing index fund like SPY?

Edit: I think it would be beneficial for any answers to include whether the answerer uses a diversified portfolio or not in their own finances, and whether they have any affiliation with Betterment or ...
-1
votes
1answer
426 views

Asset Allocation and Timing with a Cash Windfall in Q1 2015

Alright so I'm 30 years old. I'm sitting on cash to invest for the long haul. It's decision time. Here is what I have learned from my research over the last few months: Proper asset allocation ...