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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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Tax ID for an international student investing in U.S stocks

I am an international student studying at Villanova University in Philadelphia, PA. I am very interested in trying my luck at the U.S stock market. However, I do not work on campus and so do not have ...
Adi Alphonso's user avatar
2 votes
1 answer
121 views

I've heard ETFs have issues for Americans living in the UK - what should I do if I'm looking for similar long-term growth & flexibility?

I am a U.S. citizen living and working in the UK and want to invest some of the income that I currently have sitting in savings. However, my U.S. based income is 0 (I take the Foreign Earned Income ...
Gabriel's user avatar
  • 227
2 votes
2 answers
174 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 ...
Nate's user avatar
  • 21
2 votes
1 answer
116 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. ...
NJL's user avatar
  • 57
2 votes
2 answers
351 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 ...
mgroat's user avatar
  • 121
2 votes
3 answers
371 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 ...
V. Anderson's user avatar
2 votes
2 answers
506 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 ...
Singh's user avatar
  • 21
2 votes
1 answer
245 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 ...
FJam's user avatar
  • 151
2 votes
1 answer
627 views

Starting non-retirement investment account

I would like to start investing in a non-retirement account. I have: A 401k through my employer I'm contributing to with Vanguard A 529 for my two daughters, three and five, I'm contributing to with ...
Ryan's user avatar
  • 163
2 votes
2 answers
523 views

Employee stock options: why is the total number of shares a secret?

I know someone close to me who has been offered employee stock options (which they are supposed to buy later at a fixed price, potentially, when/if the business goes to IPO or something) and they ...
Fabio Milheiro's user avatar
2 votes
3 answers
182 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.
Niroop_satish's user avatar
2 votes
0 answers
84 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 ...
Gregoryan's user avatar
  • 121
2 votes
0 answers
129 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 ...
Cloud's user avatar
  • 3,655
2 votes
1 answer
271 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 ...
Jonathan's user avatar
  • 353
2 votes
2 answers
1k 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 ...
user1509541's user avatar
2 votes
3 answers
340 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 ...
user3399's user avatar
  • 121
1 vote
4 answers
1k 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-...
DasBeasto's user avatar
  • 272
1 vote
5 answers
2k 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 ...
Vilper's user avatar
  • 65
1 vote
4 answers
330 views

What should I do with a lump sum payment while I don't have a steady source of income?

I am a 52 year old male. I have been on a limited employment for 2 1/2 years only working less than 10 hours a month at a local department store. I have asked for more hours and have not gotten any. I ...
user avatar
1 vote
3 answers
225 views

How do you figure out your investment objectives?

According to What is the best way to learn investing techniques?, you start investing by figuring out your investment objectives. What does this mean and how do you do it? Is it trying to figure out ...
atk's user avatar
  • 175
1 vote
2 answers
381 views

First time homebuyer/investor: How to best allocate money towards paying off mortgage?

I am 23 with no debt and planning on purchasing a house. I've been running through many hypotheticals and decided to post an example to see what others think since this is a significant decision. I ...
BLaZuRE's user avatar
  • 313
1 vote
1 answer
245 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 ...
Pedro Relvas's user avatar
1 vote
2 answers
489 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 ...
Antoine Jaussoin's user avatar
1 vote
3 answers
2k 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?
navneesi's user avatar
1 vote
7 answers
359 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 ...
dsollen's user avatar
  • 1,196
1 vote
3 answers
358 views

Can a non-profit company make profit? [closed]

My cousin suggested a startup idea to me, I suggested that he could make it a non-profit since it fits all the requirements of an non-profit company and it would be much easier for him to get ...
Lynob's user avatar
  • 143
1 vote
1 answer
228 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 ...
IronSean's user avatar
  • 129
1 vote
2 answers
215 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 ...
bigpotato's user avatar
  • 751
1 vote
2 answers
454 views

What is the best getting investment strategy? [closed]

Consider a person wants to create a giant company as big as Airbnb, Netflix, Coinbase, etc. And he has an idea that investors will love it. This person also knows the computer programming and can ...
GoodMan's user avatar
  • 140
1 vote
2 answers
147 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 ...
EdinsonC's user avatar
1 vote
1 answer
653 views

What percentage of my money should I invest?

I am looking to begin investing some of my money, as I have been fortunate enough thus far to be able to save a decent amount. My trouble is, I don't know how much of it I should invest. I have read a ...
elben's user avatar
  • 11
1 vote
2 answers
117 views

Short term (3-4 yr) positions, willing to take higher volatility [closed]

for my fiancé’s birthday I would like to open her an investment or savings account with a small amount of capital (~$500/1000) to be used as a short term investment account. The goal would be to reach ...
Prince M's user avatar
  • 133
1 vote
2 answers
273 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 ...
Jesse's user avatar
  • 216
1 vote
1 answer
2k views

How is the index fund price calculated

I'm very new in this and I'm a bit lost with index funds. I'm checking this out for example http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/l/legal-and-general-...
nelson687's user avatar
  • 111
1 vote
1 answer
407 views

I have 10K to invest, what are my options with reasonable risk/income?

So I have 10K to invest. I did not do any sorts of investments before and I am really scared coz I don't know any information and risks and all that. I heard that mutual funds is something to look at, ...
YohanRoth's user avatar
  • 693
1 vote
1 answer
429 views

I would like to make my savings work for me: is the "Rich dad, poor dad" a good resource?

I have one source of income (my job) and I've never been interested in investing. Now I need to, because my employer has been quite happy with my job and it has been rewarding me with RSO (Restricted ...
DeltaIV's user avatar
  • 717
1 vote
1 answer
163 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 ...
Revolucion for Monica's user avatar
1 vote
1 answer
827 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 ...
OrangePeel52's user avatar
1 vote
1 answer
651 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 ...
tridip1931's user avatar
1 vote
1 answer
168 views

Getting introduced to the world of trading as a mathematician

I'm a mathematics undergrad. My economic/financial knowledge is very rudimentary because this world has never caught my attention - until now. I like algorithms. I'm a good programmer and know machine ...
hey's user avatar
  • 11
1 vote
1 answer
108 views

What are expenses that must be kept in mind when investing in the stock market? [closed]

I live in the UK and am gathering information about stock market investment. I am not interested in day trading at this time. I became interested in stocks due to reading about news related to Tesla ...
gyuunyuu's user avatar
  • 119
1 vote
2 answers
132 views

Is the Operating Income or Loss equivalent to Total Revenues for wealthier companies?

I have noticed on yahoo finance that some companies like this one don't have total revenues in their financial table but rather an Operating Income or Loss and a Net Income. Is it the same ? Can I use ...
Revolucion for Monica's user avatar
1 vote
1 answer
521 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 ...
Keshav Srinivasan's user avatar
1 vote
3 answers
236 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 ...
Bach's user avatar
  • 224
1 vote
2 answers
213 views

Investing 11 grand as a Uni Student

I am currently 18 years old and from part-time work have saved up approximately £11,000. I am soon going to University (Scotland) (no tuition or accommodation costs). I generally have poor control ...
jdoe's user avatar
  • 119
1 vote
1 answer
74 views

Is it time to invest in Bonds given the increase in interest rates? [closed]

Given the ongoing increase in interest rates, the value of bonds will come down. SO, is it time now to invest in bonds?
Josh's user avatar
  • 141
1 vote
1 answer
149 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 ...
Futon's user avatar
  • 13
1 vote
3 answers
514 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 ...
J86's user avatar
  • 113
1 vote
2 answers
144 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: ...
Jess's user avatar
  • 11
1 vote
1 answer
188 views

How to determine mortgage or rent payment

I used to know a formula for determining P. I. T. I. (principal, interest, taxes, insurance) payments being $(interest rate x 100) for every $1000 of home value. Does this still apply as the best way ...
JayCouture.com's user avatar

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