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 get paid monthly, usually at the beginning of the month. I just realized I can contribute a bit more to my 401k since I'm under the $17500 limit for the year. However, my last paycheck has come in (unless HR decides to pay the next one in late Dec rather than early Jan). Has my window of opportunity closed?
I am looking for guidance on how to go about withdrawing from investment accounts well before retirement. I know the generic advice is that you should be steadily socking away your retirement savings, not spending it, but I need access to cash at the moment. If you can direct me to resources (web articles, books, etc.) on the wisest course to follow when cashing out investments, I would love to hear about them. [more inside]
Husband and I have $130k saved up. No mortgage, no pension to speak of. Just been called into the bank for talk about long term plans and am freaking out about what to do. Advice? Do I need to see a financial advisor or are they not a good idea? [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]
How can I find a fee based financial adviser with expertise in international situations for personal banking, investing, retirement saving and tax planning? I am a Canadian expat, former UK resident, and immigrant to America (living in Chicago) and will have income and retirement savings coming from multiple countries and uncertainty about where I will ultimately end up. How can I find someone who can help me with my particular situation?
How much professional advice do I need to manage $600k of investments? Advice for meeting on Monday please! [more inside]
YANMFA (financial adviser)... but... Thanks to a new, and well-paying, job, I just got my ridiculous 6% student loans paid off. Now I need to figure out the best thing to do with the share of my income that I was putting toward that. Financial wizards of the internet, advise me? Messy details inside... [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 need advice on when to get rid of some bad investments with deferred sales charges. [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?
Help me save my inheritance. [more inside]
I know timing the market is stupid. My previous attempts at it have never worked out in my favor. My 401K is all index funds. However, with the possibility of Congress going over the 'Fiscal Cliff," it is a horrible idea to go all cash until they get it sorted out? [more inside]
Trying to decide where to put our money. Wife changed her job. Should we roll her investments into her current new 401K company Charles Schwab for convenience or into Vanguard? We are interested in investing in Index Funds for the long term.
How in invest inherited money? [more inside]
Should I try to pay off grad school loans this year (~firstname.lastname@example.org%) or should I invest ? [more inside]
What is the best option for automatic investing? [more inside]
How do I figure out a mutual fund cost basis for tax purposes? [more inside]
I got a large bonus this year which will probably never be repeated. After taxes, it was 26K. I don't have any immediate needs (no medical issues, etc), and I know next to nothing about investing. Given this economy, what should I do with it? Stocks? Bonds? Saving account? IRA? [more inside]
How do people get information about a company during its pre-ipo quiet period? [more inside]
Who or what should I be searching for as I attempt to get advice on how to equitably divide mutual funds, IRAs and TSP accounts in anticipation of a separation/divorce agreement? [more inside]
Is it self serving for investment companies and fee based advisors to advocate for not selling during a financial crisis? [more inside]
What is the most prudent way to reallocate one's 401(k) in light of the US downgrade and recent market crash, assuming one has a moderate number of years until retirement and wishes to get a return on investment greater than the typical return of money market funds?
Due to company error, I have been saddled with a four-figure tax liability, due at the end of the year to HMRC. I received a no-interest loan from my company to cover this liability -- what can I do with it between now and the end of the year to maximize the value of this excess cash? [more inside]
Should I cash out my IRA to significantly reduce my credit card debt? [more inside]
I'm going into financial analysis soon -- how and what should I do to prepare myself for it? [more inside]
what is the smartest way to save cash? [more inside]
My financial situation is far from complex but like a lot of people I have (mostly) retirement investments scattered around in many different accounts. Some are IRAs, 401(k)s, 503(b)s, etc. for myself and spouse. Most of these still send me paper statements on a monthly or quarterly basis. Some of the statements are very confusing because they require things like "core" accounts, obscure funds that are provided through work, accounting schemes that seem to me overly complex, and just plain complicated statements. FWIW, I am good with numbers, science, and computers, but I still find personal finance frustrating and tiring. [more inside]
How can I use my money to make even more money? Investments? Stocks? Bonds? Mutual funds? [more inside]
This guy told me and my wife to buy insurance policies, so we did. To what extent are we suckers, and... what should we do now? [more inside]
Unexpected inheritance of $100,000 - $150,000 complicated by move from the US to the UK in the next year. My wife and I have never dealt with financial matters beyond credit cards and a moderate paycheck before, who do we talk to in Los Angeles/Southern California to make sure we don't screw this up? [more inside]
Nontraditional Investments: I've heard claims that purchasing solar cells can provide a better return on your investment than stocks. Assuming that's actually the case, what are some other investments that might warrant your money more than investing in the stock market?
Trying to find resources to evaluate suggested REIT investments. [more inside]
I have $1000 to invest and I'd like to do it wisely. One problem: I have never invested any amount of money in anything. Ever. Where should I start? [more inside]
I am starting out in life as a lawyer/Islamic finance postgraduate with no debt, and I would appreciate help and advice with regards to my future career choices and personal finances.
I'm a 24 year old law graduate. I am currently chambering with a law firm and doing a postgraduate degree in Islamic banking/financing. I have no debt. How do I make the best of my situation? Please advise me how I may plan and start my life properly, from the perspective of both personal finance and professional work. I would also appreciate being advised on how to invest, or save, or acquire assets. To sum it up: "If you could start off your life from my position, how would you do it, both professionally and financially?" [more inside]
Any reason not to sell my 20 shares of AAPL? [more inside]
Looking for a good intro to investments book to get the basics. [more inside]
Twenty-something Canadian girl would like some financial and investing advice. [more inside]
What should we do about my debt versus/plus his savings if we get married and move across the country together?
What should we do about my debt versus/plus his savings if we get married and move across the country together? [more inside]
Advice on investing in my baby's future...... [more inside]
My 15 year old daughter is in an economics course this semester and loves it. I'm looking for ideas to help her learn even more. I've tried many ways to give her a leg oupon money matters and she's resisted strongly until now. I'm looking for books, clubs, activities, websites, podcasts, movies, methods in practice, you name it (including specific actions I can take) that will help her learn to manage money and get a grasp on investing all while doing the very things she loves so that she sees that money is not the end-all-be-all. What have you or others you know done to help teens learn about money and put those principles into action?
You Are Not My Financial Planner. But I'm a (still barely) young man living in the U.K. Took a long time to get a career together, with 2 good degrees, but finally achieved slightly below average salary with slow growth prospects. What approach to savings / investments should I take? [more inside]
How to setup a business partnership in an old-school brick-and-mortar manufacturing business between four friends - two of whom will be the major investors (say A and B), one guy is partial investor who will work full time but is new to this business and doing business in general (C ie: me), and the last guy is the one (D) with the entire business knowledge. He is in the field for past 7 years, already running a profitable trading shop (buying in Saudi, selling in India) in this field and is interested in expanding by setting up 'our own' manufacturing facility in Saudi. [more inside]
How risky are bond mutual funds? [more inside]
Where is my money doing me, and the world, the most good right now: going into a 401(k), or going into my wallet and getting spent? [more inside]
What are some investment strategies that would protect against and profit from (hyper)inflation? [more inside]
My New Year's resolution is to develop a grown-up financial plan for myself. What should I be doing in terms of investments? [more inside]
Is advising a client to write a bad check be considered unethical behavior for a financial advisor? What should our next steps be and who monitors financial advisors' professional actions? As usual, there's more inside... [more inside]
We are a newly-wed, youngish couple (both 30 years old, both professionals) trying to allocate funds to two different projects: purchasing a first home in a very expensive metropolitan area and saving for retirement. What should we be thinking about as we allocate our savings? [more inside]
I know you are not my broker. Despite my personal contributions and my employer match, my 401K has 7% less money in it now than it had a year ago, which is, in turn, is 6% less than it had at this time two years ago. I understand that I'm supposed to be in this for the "long haul" but at this rate I'm losing money faster than I can contribute it. How do I fix this? [more inside]
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