Any recommendations for (public or private) companies heavily engaged in artificial intelligence products and research? [more inside]
In need of recommendations for a comprehensive financial planner in the DC area. [more inside]
What are your specific investment recommendations for someone who's 25 years old, self-employed (contractor), has $130k in savings and no debt? [more inside]
I'm late to start investing for retirement (early 30s) and don't know where to begin, other than a vague sense I should invest in mutual funds and maybe bonds and eventually real estate. What do I need to know before putting my money somewhere? [more inside]
The small company I work for doesn’t offer a plan for 401k. Basically you go open a 401k plan wherever you like and fund it with whatever you like. [more inside]
I have a sum of about $12,000 of which I will probably need to access about one-half in November and the other half around February or March. It's currently sitting in a savings account where it's making negligible interest. Is there something better I could do with it in this very short time frame? [more inside]
Going back to school in September after working for ~ 2 years. I've saved up a bit and I'm wondering how to make the best use of it. [more inside]
My brother and I recently found out that we are collectively receiving $220,000 from our father's estate (he passed away four years ago when we were both in our early 20s). We were advised to invest in some more profitable stocks and were given a list by a financial advisor, but neither of us have a clue how to begin making these types of decisions. Does anyone know any good (free) online resources to start learning the basics of investing and choosing a diverse portfolio? I've been wanting to develop financial acumen for some time now and I guess this is a good opportunity to start, but I don't want to make any mistakes. Any advice? Many thanks!
Should I sell my condo at a loss to make a fresh start on a new place with my partner? (I am using a sockpuppet, because this question contains personal financial info that I don’t want linked to my primary --and identifiable -- account and I may need to answer follow-up questions.) [more inside]
Need help deciding what to do with my investment finances, including rolling over my prior Co. 401k rollover. I hold 2 401ks, 1 Roth IRA and I'm planning maybe on an index Fund. Details inside! [more inside]
I have 3,000 and I want to buy four or five stocks and hold them for the next ten or more years. What's the cheapest way to buy these four or five stocks. [more inside]
I am planning to invest for retirement (35+ years away) in a Roth IRA. I've always been told to have a mix of stocks and bonds in any portfolio, starting at about a 90/10 split for someone my age. Considering that I'm not going to touch this money for a very long time, wouldn't I be better off just putting my money into some low expense ratio index funds and skipping the bonds altogether? This seems to fly in the face of every investment advice I've ever seen, but I don't understand why. [more inside]
How can I find mutual funds to invest in that are inline with my ethics? For example I am vegan, liberal, pro-choice, feminist, not anti-gay, etc. To that end I'd like to not have companies that test on animals, engage in discrimination, are part of war effort, etc. Looking in my mutual funds there are some companies that I don't know about, and some that are sketchy like tobacco companies. [more inside]
Looking at the market, currently, I have the same sense of foreboding I had in late 2007. If I am operating under the assumption the Dow and other stocks are going to start tumbling over the next 1-2 years, what actions should I be taking to protect my 401k? [more inside]
I have a bunch of money I've been wanting to dump into a low-fee index fund all year. (It's my retirement account.) I've been holding off because of the whole budget/debt ceiling business that's been going on all year. It looks like events will be coming to a head this week. If the market totally craters, would that be a good time to buy? [more inside]
As the debt ceiling looms, financial markets are a bit down. How do we capitalize on this? Buy low, yes, but what sectors? What will suffer the most if the ceiling is reached? What will hold its value better? What could see a rise out of the ashes, so to speak?
If you had $250k, how would you invest it? What would your investment portfolio look like if you were a guy in his mid 20s? [more inside]
Looking for good investing blogs focused on value investing, but also investing blogs in general. [more inside]
How do I get a daily mid-day email with stock market movers? [more inside]
The reason I turn to ask mefi here is that most of the resources I find on the webs are catered to more active investors. I've spent the last few years dollar-cost averaging into several different ETFs, indexed to large markets. Since the ETF's are products of my brokerage account, I can trade them for free. I haven’t done any selling, and have some decent returns as things stand now. The real question now is, what is the best practice for defending my portfolio against another 2008? My thoughts are that the smartest and most conservative approach is a stop-loss adjusted monthly to about 15% off the high... and then start the process again... buying in incrementally to take advantage of either falling stock prices or a slow recovery. I'm not looking to outsmart the market here... just the best way to play it safe. Best help for me would be broad concepts about tax implications (you'll lose me with anything too technical), thoughts about 'flash crashes,' or any other ideas. Thanks folks!
My 401(k) plan at work gives me many, many options for automatic investment. I have an aggressive, but diversified portfolio of mostly equity mutual funds, and a diversified mix of assets outside the employer plan. I am investing for the long-term, but wonder when to reconsider the allocations for automatic investment where, after a quarter or two, you see certain allocations underperforming relative to the other allocations. [more inside]
I never had any money. Now I have $600,000. Help me not squander it (and maybe even beat inflation). [more inside]
I'm finally out of school and in the working world, and now in the midst of trying to orient myself I'm trying to figure out if/how I should sock money away in a tax-deferred account with either TIAA-CREF or Fidelity. Should/can I try to figure this out myself, or should I find myself an advisor? [more inside]
I've become very interested in the philosophy of Value INvesting, first espoused by Benjamin Graham and later on by his followers Irvin Kahn and Warren E. Buffet. I have come across a program at Columbia Business College entitled The Value Investment Program wherein forty students are allowed to take classes on Value Investing at the tutelage of Bruce Greenwald among numerous others. As I am not a Columbia Business student, I have no access to these materials but would be very much obliged if anyone could give me some of the work in these classes or in classes very similar to this type of course seeking to inculcate in students a solid understanding of how to pick value investment stocks. Also any other user-friendly books and or website resources on value investing would also be helpful. THANKS
I was looking around for information on long-term investment planning and I ran across this page, which says that after adjusting for inflation, long-term stock market returns are only 1.9% before taxes. The whole site seems to advocate this sort of really creepy gold fetishism that's been popping up lately, so my natural reaction is to dismiss it. But I still have doubts, and this plays into my anxieties about whether retirement savings is worthwhile at all. Help me debunk this? (Existential crisis inside.) [more inside]
Do I need a (fee-based) financial planner, advisor, or tax accountant? Recommendations for one in San Francisco? I'm almost 30, almost debt-free, and feeling out of my depth as I try to figure out what to do about non-retirement savings. [more inside]
I have been getting started with Vanguard, but spoke with an investment adviser today, and it all just seemed so much easier. I've spent hours trying to figure out what kinds of accounts to open, which offer tax deductions, what kind of investments to make, etc. It seems really tempting to just let someone handle this all for me, but I feel like I've never heard from people who are satisfied doing it that way. Countless articles I have read on the subject always make it sounds like someone is a sucker for paying higher management fees. [more inside]
I am aggressively saving money so that I can quit my job and start a new life. How should I be investing this money if I need it back in 2-5 years? [more inside]
I recently read this question about the high cost of investing with HSBC and met with my investment advisor there to see if we can knock the fees down (unlike the poster of that question, I did not pay an initial fee.) Unfortunately, they can't, so I'm stuck paying 2.25% (that's all fees, total) annually if I stay with them. Here's the thing though: after fees, I got a ~10% gain on my investment 2012-2013 (so ~12.25% in total.) [more inside]
How big of a scam is Dean Graziosi? [more inside]
I'm starting what feels like my first "real" job soon, so it's time to straighten out my good but messy financial situation. Need advice on: credit cards, banks, brokerage accounts, & budgeting. [more inside]
Help me choose between 5 Vanguard Funds [more inside]
I have a sum of money that I'd like to invest. I currently bank with HSBC, and a friend of a friend works for Edward Jones. I have talked to both HSBC and the Edward Jones guy, and the spiels I got were fairly similar--they suggested 80/20 stocks/bonds, generally mutual funds and that sort of thing. Both advisors intimated 10% average returns over 5-10 years, and both are looking at about a 2.5% initial fee and then a little over 1% yearly. Basically, what I'm looking here is to park my money and watch it grow. What I want is a totally hands-off approach. I don't want individual stocks or commodities, I don't want to do this myself, I don't want to be constantly asked what I want my money put into. I just want to put my money into a fairly diverse portfolio and have it get bigger without giving me the chance to mess around with it and screw it up. [more inside]
I've always had an interest in the stock market and investing but have only given it a small amount of attention. I was recently trying to come up with ideas for a hobby and realized that (a) investing is something I have had a long standing interest in and (b) it's something that people can do as a hobby! What are some resources/guides/books for learning as much as possible about this? [more inside]
I'm well positioned (I think), to become a real estate investor. I'd like advice on how to take it to the next step. [more inside]
What is the most prudent way to go about choosing, managing, and strategizing my "future" real estate empire? [more inside]
Part of my current job involves searching and curating news articles on a variety of topics, related to alternative investing. Currently, my workflow involves scouring Google Reader, Google News, Google Alerts, and some specialized newsletters. I'd like to automate this more. Sadly, I'm struggling to find good tools to make the process easier. What does MeFi recommend?
What are some investments or places that discuss investing with climate change in mind. What I mean by this is, what are some funds or investments that I should look into as the reality of climate change starts to sink in and its effects gradually become more noticeable. [more inside]
I've been saving big into a college fund since my child was born 8 years ago, on the order of $900 per month. I recently checked the 529 plan that was receiving the funds and it is currently at $90k. There is still a decade before the child would enter college, and by most estimates that could mean a doubling and a bit more if market averages do ok. My investment guy says a kid in the year 2022 might need $300k for tuition at a prestigious college and that I should continue. I think I'm pretty well set for now and it could be around $200k by then with no added input. Should I continue putting money away in this account or should I divert that into my own retirement (which is doing well too, but could always be better)? Or contribute less? When is enough enough for college?
I constantly fantasize about investing in real estate. Is there a "low risk" or "beginners" way to get into real estate investing? If you're one of those people that "makes their money in real estate" I'd love to hear about the ups and downs. [more inside]
I have a growing chunk of money in my checking account. I've paid off my student loans and don't have credit card debt. What's the most responsible way to manage this money? Does a potential major move affect the analysis? [more inside]
What do I need to know about hiring a stock broker or financial advisor? [more inside]
How would you measure the total health of individual investors? So the U.S. has a large number of individual investors actively managing their money. Does anyone measure that for both number of accounts and total amount in them? Trying to see if we can track are people more actively investing or less actively investing as opposed to parking their money in mutual funds.
My son plans to work FT for a year to save for college. How can he invest his $ to get more bang for his buck?
My son plans to work FT for a year to save for college. How can he invest his $ to get more bang for his buck? [more inside]
Seeking the impossible - ethical, reliable investment. [more inside]
I've just accepted a job at a large Wall St bank. I have a large amount of cash to allocate at the moment and don't want to leave it in the bank earning zero interest. However, I am designated a "sensitive person" for compliance purposes in the new job and am subject to very severe restrictions on personal trading. How do people in similar situations manage their personal finances? [more inside]
If an employer offers 100% match on retirement investing up to a certain percent of salary, and then 50% on a certain percentage above that, does it make economic sense to invest all the way through the 50% match, or stop with the 100% match and invest the rest somewhere else?
I'm a young person with no debt and a pile of money to invest. The catch: I'm not real confident about the long-term health of the US economy. [more inside]
My wife and I are buying a house in Austin, Texas ( Steiner Ranch ). We are trying to figure out how we want to finance it. We have the means to pay for the house with cash. We are being offered a mortgage at 3.6%. The cost of the house would represent about 50% of our net worth. The other 50% is fairly liquid, with an even spread between 401k, index funds, 529's, and cash. Should we do it? [more inside]
My parents want to put the down payment on a (small) house, and have me live in it and pay the mortgage. Are there any downsides to this that I'm missing? [more inside]