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]
posted by RapcityinBlue
on Dec 4, 2013 -
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]
posted by wondercow
on Nov 23, 2013 -
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]
posted by ridogi
on Nov 15, 2013 -
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]
posted by Bathtub Bobsled
on Nov 6, 2013 -
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]
posted by evil otto
on Oct 13, 2013 -
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?
posted by elizeh
on Oct 8, 2013 -
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]
posted by anonymous
on Sep 10, 2013 -
Looking for good investing blogs focused on value investing, but also investing blogs in general. [more inside]
posted by imabanana
on Sep 10, 2013 -
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.
posted by shimmer
on Aug 14, 2013 -
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]
posted by Admiral Haddock
on Jul 12, 2013 -
I never had any money. Now I have $600,000. Help me not squander it (and maybe even beat inflation). [more inside]
posted by anonymous
on Jun 17, 2013 -
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]
posted by sciencemandan
on Jun 17, 2013 -
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.
posted by RapcityinBlue
on May 16, 2013 -
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]
posted by aw_yiss
on May 12, 2013 -
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]
posted by polexa
on Apr 16, 2013 -
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]
posted by imabanana
on Apr 5, 2013 -
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]
posted by Nickel
on Mar 28, 2013 -
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]
posted by A god with hooves, a god with horns
on Feb 28, 2013 -
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]
posted by acidic
on Feb 16, 2013 -
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]
posted by Slinga
on Feb 8, 2013 -
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]
posted by averageamateur
on Feb 5, 2013 -
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]
posted by mistermc
on Jan 27, 2013 -
What is the most prudent way to go about choosing, managing, and strategizing my "future" real estate empire? [more inside]
posted by locussst
on Jan 14, 2013 -
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?
posted by SansPoint
on Jan 10, 2013 -
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]
posted by mulligan
on Jan 2, 2013 -
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?
posted by anonymous
on Dec 31, 2012 -
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]
posted by windbox
on Dec 6, 2012 -
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]
posted by anonymous
on Nov 2, 2012 -
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.
posted by monkeywithhat
on Oct 10, 2012 -
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]
posted by caroljean63
on Aug 26, 2012 -
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]
posted by kramer1975
on Aug 5, 2012 -
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?
posted by nicapica68
on Jul 31, 2012 -
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]
posted by anonymous
on Jul 24, 2012 -
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]
posted by jasondigitized
on Jul 11, 2012 -
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]
posted by insufficient data
on Jul 10, 2012 -
So, I've saved up $100k in my first year of work, and I just got myself a Vanguard.com account. Now what do I do? [more inside]
posted by un petit cadeau
on Jun 13, 2012 -
A crooked stockbroker sends newsletters to 1000 people; half the newsletters say stock A will go up, half say it goes down. Stock A goes down. He sends 500 new newsletters to the people who got a correct prediction about stock A; half of the new newsletters say stock B is going up, half say it's going down. He then sends 250 more newsletters... etc. Eventually there's a handful of people who've gotten eight straight correct picks from him, and those suckers invest their life savings. Has this scam ever been carried out in real life, or is it just a story? [more inside]
posted by escabeche
on May 25, 2012 -
If I've held a stock for ninety days, but te company is bought out in an all cash transaction, do I still have to pay short term capital gains, or do I qualify for different tax treatment?
posted by Pants!
on Apr 4, 2012 -
The recent Mega Millions lottery got me thinking: why don't wealthy individuals/corporations ever attempt to buy out the lottery? [more inside]
posted by lobbyist
on Mar 31, 2012 -
I’ve been working and saving money for years, and I think I should probably invest it. I’m pretty sure that investment property is the right move, but there are a few things I’m not sure about and would appreciate some advice on. [more inside]
posted by A Very Muddled Alpaca
on Mar 28, 2012 -
I've been happily making regular investments, but I suddenly have a lot more money to invest. How should my strategy change, it at all? [more inside]
posted by theexpgen
on Mar 23, 2012 -
Financial Advice. About to be 30 years old and would like some advice on what to do with disposable income. Details inside! [more inside]
posted by PetiePal
on Mar 12, 2012 -