Thesis: highly successful public companies trade on a hair-trigger. This ensures overreaction to immaterial or near-immaterial negative news, as twitchy traders on both sides rush to anticipate short term reaction (betting on the betting rather than on the bet). Investors with a more patient attitude who buy these dips should, in the aggregate, profit when the stock recovers. So...is there a modeling service I can use to test this thesis? [more inside]
I'm middle aged, and I seem to be unemployable. But I have some money. Not enough to live off for the rest of my life, but surely enough to start a business. How do I invest €250 000 in a (low-risk) way that provides me with a job and a modest but steady income? I live in an affluent EU country. [more inside]
I have a simple idea for a cottage business, but I don't want to get screwed because it's so simple the industries involved could easily shoulder me out. What should I do? [more inside]
Through surprisingly painless saving I find that I have £5000. For those not in the UK, the Bank of England has dropped its interest rate yet again so leaving it where it currently lives in a savings account seems like a lost opportunity (I just made £0.99 last month on interest. Woopidy doo.) I googled around for some ideas and found this, which is hilarious because that's me 7 years ago and things have changed since then. So what should I do with £5k now? [more inside]
My dad (in the UK) has a list of Vanguard ETF's he would like to buy using his youinvest account. The list includes the symbol for each ETF, but he's sometimes getting multiple returns when he searches his account using the symbol, and so he's confused as to which one to buy. In addition, if he searches using the ETF name, sometimes he gets returns and sometimes not. Please help me help him work this out. [more inside]
Is it generally wise to tell anyone such as your friends that you have bought a house? It is specifically for an investment to rent out to tenants. Or is it generally not a good idea? Or it doesn't matter?
Looking for recommendations for a personal financial advisor / planner in West LA area. Some details inside. [more inside]
As an avid watcher of Shark Tank, I always hear phrases like "it is a so-and-so dollar industry" and "company x owns so-and-so percentage of the market" thrown around. Where can I find this type of information laid out in a layman-friendly way?
We've been using the investment service our local bank provides, but advisors keep leaving and we have to explain again what we want. The latest was the best; he understood our needs and managed our money well. Now we've gotten a call from him saying he's left the bank and hopes to keep us as clients; we've also gotten a letter from the bank saying "[new guy] is replacing [old guy] as the Investment Advisor on your account(s)." We don't really want to change advisors again, but we also don't know what's involved in the decision; your thoughts are welcome.
I'm looking to hold about $6,000 for someone for about 5 years, but keeping it in a savings account seems like a losing bet. The Vanguard Wellesley fund seems conservative enough, but its growth has plateaud for a year now according to the website. [more inside]
Each year, my employer funds my HSA; my current balance is significantly higher than my yearly out of pocket limit, and so I would like to put a portion of it into mutual funds. The institution where my funds are, ubt.com, has HSA mutual funds but they require that I sign a certain waiver. [more inside]
I have read that Michael Burry (the character played by Christian Bale in "The Big Short" ) is investing in water through the purchase of almond groves in California. Can someone explain to me how this is done?"
Better late than never: I'm finally starting a retirement account, probably a Roth IRA1. Social responsibility is high on my priority list. I am trying to find a relatively easy, relatively low-fee, relatively well-performing "socially responsible"2 fund I can start paying into. Where should I look for comparisons or guidance on these "socially responsible" funds? How can I get guidance on which one to choose? Direct advice, or referrals to reliable references both welcome. [more inside]
The goal here is to invest $250k in buy to let property. Looking for a property investment company that will manage the property and also help with the search of buy to let property. Requirement: The company will help with property search Preferably have options available where rental income is predictable Manage the property Help with the analysis of the investment (price to rent ration etc) The company must specialize in US based properties. I am not aware of any such companies. Could you recommend?
How do I determine if it’s better to continue being a landlord or sell my rental property to invest in a new primary residence? [more inside]
Needing some cash for a $1k car repair; use gold coins or I-bonds? More inside. [more inside]
If I'm expecting the traditional American wedding (registry, rehearsal dinner, lavish ceremony, reception) industry to expand over the next few years, where would I invest my money? My experience was mostly with local people, but I am sure there is some behemoth out there who's bread and butter is based on that style of people getting married.
My tenant of 6 years is moving out and I cannot decide whether I want to rent it or sell. I’ve tried several online calculators for this type of thing and gotten different recommendations. My condo is in Denver, CO, one of the hottest home and rental markets in the country right now. Rental occupancy rates are at 96% and rents have been increasing at about 10% annually. Home values in the past year have gone up almost 15% in the last year with 6% growth projected next year. Details after the jump. [more inside]
Loving, well-meaning relatives would like to build a nest egg for our infant son, and have given us the choice of two options: a whole life insurance policy or investment in a gold account (the commodity). [more inside]
After reading a bit about efficient market theory and the benefits of lowering your costs via investments such as ETFs (especially over 20+ years), I closed my account with my adviser and sold my existing high MER mutual funds. Now what? [more inside]
Can anyone point me to any information (template, etc) on a term sheet for a single round of investment in a company that has no plans to go public? [more inside]
Remember when you could walk into a bank and purchase a Series EE savings bond? As I'm discovering, the US Treasury no longer issues paper Series EE bonds, and has gone fully online. [more inside]
A relative wants to give a cash gift to my 12-year-old child, but wants to put it in some kind of account where it can grow for many years before the child receives it. Where? How? It's under $1000 and we're in the U.S. [more inside]
Hello all. I am a low-income mid-30s Canadian living alone, no dependents. Advice from bank staff and popular internet blogs confuse me and don't make sense in my world (e.g. ensure an 8-10% return - but how do I do that without jeopardizing my future if I retire in a decade the investment does poorly). I feel some investments I made were silly but am not sure if I am paranoid. Please suggest good directions to explore. I will give specifics about my situation below, with my specific question in the last paragraph. [more inside]
My wife and I are looking for a good book to help us make some better financial plans. We had our first child in the past year and my wife will finish graduate school and start a job in a few months. Accordingly, we'd like to redo our financial plans, and we'd like a book to help guide us. [more inside]
What is the difference between making an overpayment [allowed once per year without penalty] and hanging onto that money until the mortgage is up for renewal? [more inside]
my relative wants to invest in the US stock market. he lives abroad and has no social security #, i.e., is a completed foreigner ("non-resident alien"). he proposed that i invest his money under my name and my social security #, and is increasingly insistent. i certainly can set up another account to keep his money and any investment / transactions completely separate from mine, but i am concerned about whether this is legal and also tax consequence. is this sth doable?
My employer is beginning to offer a 401k in January. The provider is American. The selection of funds is ... old school: a bunch of managed mutual funds that aim for "growth" with TERs around 0.7-0.9%. I'm totally sold on low cost index tracking funds, so this is disappointing to me, but it's not going to change. I am decades away from retirement. Should I just contribute as normal to the 401k and then hope to roll it over (and change fund allocation) to what will hopefully be a more modern plan at my next employer (in a year or two). Or do I have any other options? [more inside]
I'm currently homeless, bumming around Europe aimlessly. I am lucky enough to have a bit of cash, £200k UK. But no idea what to do with it. Sorry if this is an annoying question to some... [more inside]
My wife and I are trying to get our retirement accounts organized and allocated properly. When we're comparing our investment options, how can we be sure that we're taking into account all the costs? [more inside]
I have some money to invest (greater than $10,000). I’d like to gain exposure to the stock market. It seems index funds are a good way to go. Please recommend some specific funds or products which I should look into. FWIW I am in Australia. [more inside]
I'm considering buying residential property to rent out, either in Portland, ME or Orlando, FL. Quite different scenarios, so the decision isn't really apples-to-apples. [more inside]
For a small-time, late twenties employee working two jobs trying to make ends meet (and who knows next to nothing about the world of stocks and investing), how can he get involved in it without getting hurt? [more inside]
I know about nothing about investments, but would like my 401k to be with a socially responsible investment (SRI) fund. I have an opportunity to recommend one or more funds to the 401k provider for the company I work at. I'm wondering about the best way to do it. [more inside]
If I wanted to buy a house or condo in a distant state as an investment, and I had an opportunity to buy a place outright, with tenants and leases already in place, should I? How about outright but sans tenants? More info within. [more inside]
What particular measures are in place to oversee stock market index funds and ETFs to make sure their financial management is on the up-and-up? Aside from the usual auditing that happens at all corporations are there any special procedures that apply to the fund industry? What are the chances of a significant accounting scandal at one of the major fund companies?
The developer of my neighborhood (a single individual) built a personal home in the neighborhood and still lives here. He was the HOA's acting president (as the developer) until the development reached 75% capacity and then had 120 days to hold a vote to transition to an Owner based HOA. The new board has parsed the numbers and I am most concerned with insane "investment" he made to himself with the HOA's money -- resulting in a $15k loss. Can this be legal? [more inside]
I left a cushy job 7 years ago to start my own business in IT. The company posted huge losses during the first three years of operation and I even had to sell my house in order to survive and keep the company afloat. Although the business is doing increasingly better, the hardship of the past years has taken its toll on my morale and I sometimes feel that I cannot take it anymore. How do I motivate myself to keep going? [more inside]
I designed an app for tablets that I'd like to present to potential investors. Problem is, I can't make an in-person presentation and I'll have to settle for an online one. How do the professionals usually go about this (videos, images, ...)? [more inside]
In need of recommendations for a comprehensive financial planner in the DC area. [more inside]
I'm trying to compare the compounded losses due to inflation to non-compounded profits. E.g. if inflation makes me lose 3% of an investment each year, what % would I need to profit each year in order to exactly keep up? This is tricky because the profit is not compounded the way inflation is. I'm not looking for an answer to this specific question, but rather, looking for a tool or method to do this kind of math. [more inside]
I've been with my company (a major Oil and Gas E&P company) for seven years now, and I've moved domestically three times with them. My major is in Petroleum Engineering with an emphasis on Reservoir Engineering and I'm currently getting my MBA. I am considering getting into investment banking for energy A&D (acquisition and divestiture) advisory activities. What is the career path (I was told I would start at associate level II) and what doors could this open for me? Say I do this for 2-3 years ... what makes sense from a career standpoint next?? I got into my industry to move oversees eventually. Is this an option with an A&D advisory position? Similarly, does this open doors to live places where oil is not, such as NYC or London or Chicago? Any general advice on a position like this? Has anyone made a move like this and are you happy or do you regret this move?
It's from my lovely wife's recent inheritance. It's not a lot, I know, but enough that we don't want to just stick it in the bank. [more inside]
My mom wants to invest $5K (which she could afford to lose) in possibly high-return, but also possibly high-risk, sectors of the stock market. She's asked me to do the research and manage the investment. I'm interested, but I don't know much about investing in stocks, so I want to proceed cautiously. How do I educate myself about this field? What are some specific sectors to research? What red flags should I be looking for? What about the practicalities, e.g. choosing an online broker? Or is this just a bad idea? [more inside]
I'm a freelancer. I don't yet have enough in my super to make it worthwhile converting to a self managed super fund due to the management costs. Or so I believe. But I figure I have the time to weather some major market wobbles, so I would like my super to be a more aggressive. Is there anyone offering some kind of buffet style super, and with reasonable management fees? The more fine-grained/wider choice the better, though I don't think I need to be picking particular stocks. And if not, I'd be interested in anyone's favourite high growth super funds, or insights into the cost of SMSFs.
I'm the kind of person who gets worried enough they'll do their work not well, or make a mistake, that they end up either not starting or working too slowly and filled with dread. Last week, I had to work late on a project. I had two beers in the process, found I cared less about the anxiety and dread and perfectionism, and just did a better, less stressful job. I want to do this without drinking. [more inside]
Why should I put money in an IRA, as opposed to just investing it normally? [more inside]
I would like to finally start saving for retirement! I'm thinking a Roth IRA is the way to go (unless you think otherwise and can tell me why), but I am a little confused/overwhelmed with how to proceed. A few snowflakes inside. [more inside]
For the first time in my life I'm actually making decent money! How do I balance spending and saving? [more inside]
I've recently moved to the UK, but I still have about $160k in dollars from the sale of a house and savings. I'd like to invest this money, which is currently sitting in a US savings account, but I'm not sure if I should do so in the UK or in the US. I plan to stay here for the long-term (probably will eventually become a citizen). [more inside]