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7
votes
5answers
2k views

Role of fees in mutual funds: Is it exaggerated?

It seems to me that the role of fees in mutual funds is somewhat exaggerated. Say, if funds A and B charge 1.3 and 0.3 percent, respectively, and over a period of 10 years the annualize return of A ...
0
votes
0answers
51 views

Is European Economic Commission Cost Conversion Clearance Certification Code required [duplicate]

My boyfriend was doing wire transfer to the Philippines from his online bank account in a European bank. Transfer was not effected and asked for COT. Bank said his money still liquid and he needs to ...
1
vote
0answers
53 views

Cryptocurrency exchange for US citizen living abroad

I am a US citizen born and living in Germany. I have never lived in the states. My father had been living in the state of New York before he moved to Germany (this seems to be important for ...
0
votes
1answer
35 views

How do I report interest income whose non-resident tax was not withheld?

I'm a former resident of Canada who kept their Canadian bank account upon leaving Canada several years ago. It seems that my bank either did not receive or did not act upon my change of address ...
0
votes
3answers
172 views

Is it reasonable to expect the return on my savings will match or exceed inflation?

I am doing some modeling on retirement savings. Variations on the rate of return for savings during retirement (this is, after one has retired) as well as the inflation rate yield very different ...
0
votes
1answer
52 views

How should I schedule pulling money from investments for home purchasing?

I'm getting married this year, after some delays for reasons you can probably guess. Afterwards -- so in six months or so -- we are hoping to buy a home. Of my money, roughly a third of it is in cash ...
3
votes
1answer
142 views

In Islamic mortgage, is rent going towards paying for the house?

If I get an Islamic mortgage for 200k, the bank might charge 210k, with the 10k being the profit they would take instead of interest. The monthly repayments for this mortgage will be split in two - ...
0
votes
0answers
18 views

How are SBLOCs typically paid back?

I've read several articles about Securities-Backed Lines of Credit, and none of them talk about typical loan terms other than the low interest rate. Apparently it's common to repay the interest ...
0
votes
1answer
61 views

IRS 10% penalty on gains from an annuity

I consider myself a reasonably proficient investor but annuities are new to me. For my short-term cash needs, I've been CD laddering. As I look to invest for 2026 maturity (5 year), CDs are returning ...
1
vote
2answers
124 views

Is it possible to assume a mortgage from my sibling?

My sibling owns a house 1800 miles away, he moved back to the east coast for health reasons, he's behind on the mortgage payments, and he wants to get rid of the house, but doesn't have the time or ...
0
votes
2answers
115 views

How can one do their own algorithmic trading (does Robinhood and/or Webull provide a REST API)?

In order to do algorithmic trading one needs more than just access to a commercial app like Robinhood or Webull. Their tools give individuals access to a range of tools, but all the execution of ...
1
vote
1answer
40 views

Price moving patterns change over time? [closed]

As I do technical analysis on stocks, forex pairs, cryptos, see its chart and price data, I came to think of that if some major technical analysis indicators such as RSI were once effective in the ...
0
votes
2answers
52 views

How does wash sale rule affect protective puts?

TLDR: Do sales of long puts at a loss and purchase of underlying stock within 30 days qualify as wash sale rule? Let's say I am a long term investor on SPY, and I buy $1,000 of SPY every month on the ...
0
votes
1answer
34 views

Is there a way to search for upcoming Dividends by type?

I was searching for dividends and can see the calendar for most of symbols. However, I bumped into $KWEB and they declared on Dec-28-2021 and Ex-Div date was Dec-29-2021 and Pay Date was Dec-31-2021. ...
0
votes
1answer
25 views

Understanding buying power and position size relative to fixed percentage risk on total capital in any given trade?

I'm trying to wrap my head around understanding buying power, position size and how it's relative to how much I can risk in any single given trade depending on my initial total capital. For example, ...
0
votes
3answers
235 views

Why shareholders don't always get dividends?

"Public corporations have no legal obligation to pay dividends to common shareholders, no matter how profitable they are or how much cash they have" Does that mean we don't own part of ...
0
votes
0answers
79 views

Can I have someone else cash the stimulus check in my account?

I have received my stimulus , but I'm living abroad. So it's been very hard to cash the check. A friend of mine is visiting, would it be possible for that person to take the check and deposit at a ...
0
votes
0answers
36 views

Foreign currency forward contract

The spot foreign exchange rate for the US dollar is 0.69056 Euros. Your company agrees to pay a bank 63,694 Euros in 3 months in exchange for 100,000 US dollars. This is a foreign currency forward ...
1
vote
1answer
31 views

Should I increase my regular 457(b) contributions or start a Roth 457(b)?

I am 28 years old and fortunately in a position where I am able to max out my Roth IRA contributions each year. I am also now contributing a similar amount (~$6,000/year) to my employer-sponsored 457(...
0
votes
1answer
46 views

How can I invest or save savings bonds as they mature over 17 years?

I have a relatively large number of Series EE and Series I savings bonds that were given to me as gifts as a child to help pay for college. Fortunately, I did not need to use them and so now they are ...
-4
votes
3answers
233 views

Turning hundreds to thousands profile on Instagram, scam?

I had a friend tell me that she gave this girl on Instagram $1,000 and she turned it into $25,000 in minutes. She apparently does some sort of crypto/stock investing. She was told she has to pay a $3,...
31
votes
2answers
5k views

Why is my bank unable to track a direct transfer I made to another (fraudulent) account?

I was the victim of a scam. The scammer posed as a person I wanted to do business with, and I was tricked into sending money from my bank account to another bank account using an account number and ...
0
votes
1answer
65 views

Huge transactions in the last minute before the end of day after persistent downward pressure on stock

I've noticed many times a phenomenon of downward pressure on a stock for half an hour or more before the closing bell and a huge purchase in the last minute at a resulting very low price. I find it ...
0
votes
0answers
28 views

Why are there so many money market yield measurements? (MMY, BEY, BDY) Are all of them really used?

I have heard teachers online explain that since these measures do not account for compounding they are "naive" and are "rough estimates" since they have such a short maturity that ...
2
votes
2answers
130 views

Are there any pitfalls to owning real estate as a student?

As title says, as a student in my 20s, are there any pitfals when it comes to (co-)owning (with sibling(s) or parents) a house worth say 500'000€? Taxes? Less chances of getting student scholarships? ...
0
votes
1answer
35 views

Is there a registry of all the market abbreviations for stock exchange?

Is there an official list of all the stock market abbreviations? For example, Tesla and Amazon stocks are in "NMS", which (I think) stands for "National Market System", but ...
1
vote
2answers
57 views

Can the employer correct a W-2 withholding amount after December 31st?

Suppose an employer overpaid and withheld the correct amount for all items with respect to that (overpaid) amount for this year. If the adjustment occurs after December 31st and a few days into next ...
0
votes
0answers
30 views

How to interpret the 50Lakh limit for presumptive taxation?

If someone in India has total income of 60Lakhs in FY 2021 as under: 20 Lakhs from Salary 20 Lakhs from Profession (after quitting salaried job mid-year) 20 Lakhs from capital gains can he/she avail ...
1
vote
1answer
73 views

I'm working for parents for money for Roth IRA. What docs might be needed to support it as earned income?

I'm 58 years old, and living at home with my parents. I do some things to help them out, but they are being a bit generous to let me stay in an addition that my grandmother built on to their house. ...
1
vote
1answer
42 views

Federal Perkins Loan is showing up unsubsidized despite not taking any unsubsidized loans

I've been repaying student debt and my university recently sent a loan that I didn't know I had to a collection agency. The loan is listed as a "federal Perkins direct Stafford" loan that is ...
0
votes
1answer
66 views

Option pricing model: Black-Scholes-Merton model

Suppose, that a stock is priced at $ 400 and a volatility of 0.39. I buy a call option with an exercise price of $ 400 that expires in 3 months. The risk-free rate is 8%. Now, The theoretical value ...
0
votes
2answers
72 views

Don't lower rates make bond prices rise? -- question from The Intelligent Investor

There is a passage from The Intelligent Investor that I'm trying to understand. It talks about companies refinancing high-grade bonds at more favorable rates for them. My question is about the bold ...
2
votes
1answer
109 views

Re-characterization of Roth IRA to Traditional IRA Form 8606

I just successfully completed my re-characterization of Roth IRA to traditional IRA. I contributed $6000 to Roth IRA. The re-characterization took those $6000 + gains and put them in Traditional IRA. ...
2
votes
1answer
33 views

Income tax exemption on gifts given to parents in India

Assuming that if a person has a total taxable income of INR 20 lacs, and that person gifts his parents jewellery worth INR 2 lacs. Does the total taxable income of the individual reduce ? If yes, by ...
-1
votes
2answers
175 views

How much do I have to pay tax for selling stock?

Say for example I am Bill Gates and I have $10 Billion in my bank account. Then I decide to buy Tesla stock, at a current price of $1,000 per share. Then, after 2 or more years, the share price is ...
1
vote
0answers
76 views

Foreigner buying Russian stocks without physically visiting Russia? [closed]

Is it actually possible for a foreigner to invest in Russian stocks without physically visiting Russia? I assume you need an account in Russian bank, which can be done when you're in Russia, but is it ...
0
votes
2answers
112 views

Why do financial news focus on price return indexes instead of total return indexes?

On television, in newspapers, and in online financial news portals, price return indexes get featured prominently. News reports regularly mention how much a particular index has risen or fallen over ...
1
vote
1answer
68 views

How can I get credited for stock losses I took in 2018?

I was employed by a company from February 2011 - September 2013. When my employment terminated in September of 2013, I purchased stock of the company for $1100 In 2018 the company was liquidated and ...
0
votes
0answers
50 views

How much you have to pay taxes for selling gold in USA? [duplicate]

Imagine you don't trust the stock market nor the banks so you keep the money in your house. Then you want to protect yourself from inflation and you buy gold. Then one day you want to sell a ...
0
votes
1answer
106 views

If I raised X dollars of venture capital for my startup business, is that X dollar my personal money now? [duplicate]

If I sell a portion of my startup business to a venture capitalist for X dollars for the purpose of raising funds, is that X dollars my own personal money that I can do whatever I want with? Or am i ...
4
votes
2answers
1k views

Does the wash sale rule apply in reverse?

What if I sold an asset that will result in a profit, instead of a loss, but then buy it back within 30 days. Will this profit be taxable?
0
votes
1answer
72 views

Will moving from the UK abroad mean I don't have to pay tax on my property income below my personal allowance?

I have a property in Scotland where I will earn under £10k on when I rent it out (currently I live in it) If I live in the UK at the time, and make say £40k I will earn a total of £50k with the ...
27
votes
3answers
5k views

Why do some countries have more than one stock exchange?

Some countries have many stock exchanges. What is the purpose of having multiple stock exchanges instead of consolidating all trading onto a single stock exchange? When there is only one stock ...
1
vote
1answer
68 views

Stock Analysis Equation Questions

I am a newer value investor and I am trying to slowly learn. I came across these equations and I am not able to find for sure online or in the books I have available what these abbreviations/acronyms ...
1
vote
2answers
71 views

W2 form box 16 (state income) meaning

I work for a company based in NY, who pay my salary into a US bank account. I live in Japan, and all my work is done remotely from Japan. The address in my company HR records is a PO Box in New Jersey....
1
vote
1answer
63 views

What is "the index-linked variety"?

I am reading this article on The Economist. It says that the new generation will gather lower returns on investments than the previous generations. The authors estimated the future return on equities ...
14
votes
3answers
3k views

Would I be able to avoid the wash sale rule if I buy back the security on January 1st after selling it on December 31st?

It would definitely be within 30 days, but it would be of next year. So would this successfully by pass the wash sale rule?
2
votes
2answers
117 views

Can S&P index drop very low but never recover? [closed]

I have read a commentary from an analyst that most of the stocks in S&P are in over-sold region and the S&P can only go higher and never lower. Can I expect that the S&P will go higher to ...
1
vote
2answers
130 views

Finding the right entry point to buy stocks after a pull back

I have made mistakes of buying stocks in a day or two when the stocks do a pull back. Then it drops further, and I stay in a 20-30% loss for some weeks or months. Is it normal that type of bad ...
1
vote
1answer
55 views

Series I savings bonds as gifts - how do limits & complications work?

Let's say Alice $10k in (electronic) Series I savings bonds for Bob as a gift. There's a limit of $10k in bond purchases per recipient, so this introduces potential complications. Consider the ...

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