374 posts tagged with investment.
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complete newbie to brokerage account - tax question
A generous relative is helping me (someone with zero experience/knowledge of investment) set up a brokerage account (not a retirement account, which I know is different) and is going to start off by depositing some money for me to do what I wish with. I'll be seeking detailed investment advice elsewhere, but for the purposes of this post, I have tax questions. [more inside]
Ecotourism doesn't have to be a swear word.
Sustainability-minded folks: tell me of public-private partnerships for sustainable tourism that are really about conservation. [more inside]
What is all the activity on the trading exchange order book?
I’ve been following some cryptocurrencies on a well-known and popular exchange. There are some trading pairs (eg DOT/AUS) that don’t have a lot of activity - perhaps trades happening only every 20 minutes or so. However the order book is fluctuating constantly with the market depth indicators varying basically all the time.
The order book is an indication of people who have placed a limit order, either buy or sell, correct? So who and why are they changing quite as frequently as I’m seeing if the trading activity is so slow. I understand there is a lot of automation (bots) in the market these days but is that really the cause of the constant activity in seldomly traded pairs? And if so, based on what factors? I must be missing or misunderstanding something. Any insight gratefully received - thanks.
Best conservative non-retirement investment options?
I am about to be gifted what is for me a large sum, about $60-$65k. I am not employed right now and this is unearned income so I cannot put it into a retirement account. However, that is what I will hopefully eventually use it for. In the meantime, I want to keep it safe and at least match inflation. [more inside]
I am thinking of becoming a landlord.
I am considering buying a house for the purposes of renting it (not AirBnB). I am not a first-time home buyer, but I don't currently own a house. I plan to speak to a mortgage broker, a CPA, and a real estate agent soon - what should I be asking? [more inside]
How did you develop good money sense?
I grew up poor and with bad financial role models. Now, as an adult, I feel like I missed the equivalent of the birds and the bees talk that my responsible friends’ families instilled in them. How can I learn this and improve my financial situation (or at least my relationship with money)? [more inside]
The gold rush is on
Where to go to invest in gold? [more inside]
Pay off loan or invest?
Should I pay off, significantly pay down a loan, or invest? I have a lot of experience with debt, but no experience with investments. [more inside]
Needing a Small Investment Property Refinance in the Midwest
I have a duplex in Ohio that's financed at 6%. The property is worth maybe $65,000, with a balance remaining of $38,500. I'd like to take advantage of the economy to lower my interest rate by refinancing , but I can't find anyone who will consider a loan below $100,000 or $150,000. Any suggestions?
Funky commercial investment for personal use
There is a commercial building in my neighborhood for sale and I'm interested in purchasing for personal use (i.e. art studio), but need advice on how to go about looking into it. Details below. [more inside]
How to do reparations on an individual scale?
We inherited $250,000 a couple years ago. After sitting on it for a couple years, we have decided we would like to give it to international reparations. Please help us figure out how. [more inside]
UK investment account to pay for nursing home.
UK-finance filter. We will be selling my mum’s house in the UK. I’m her lasting power of attorney. I want to put proceeds it in a investment vehicle that pays out annually for nursing home costs and is otherwise hard to liquidate without notice. [more inside]
Contemporary book for financial literacy?
I'm looking for a contemporary book on financial literacy, something suitable for a young adult to learn about how to save money, buy a house, manage credit card debt, plan for retirement, etc. In the past I've always recommended Jane Bryant Quinn's Making the Most of your Money but that book was written back in 1991 and last updated in 2009. Looking for something newer. [more inside]
How can I feel better about contributing to my Roth IRA?
How can I feel better about contributing to my Roth IRA? [more inside]
Investment vehicle or company for college student?
My college freshman son has between 1 & 2 grand saved aside that he’d like to invest or put away somewhere to earn a bit - to start a long term investing plan. This seems like small potatoes and I believe that my own broker would charge him too much for his small investment. What’s a good vehicle or company or ??? to put this money in, that he can manage himself if he gets more interested? (That could grow with him?) My impression is that CDs are lame - but do banks offer other smarter options?
How do spacey millennials save for retirement?
Hello! I have a couple thousand in an old 401k at a company I no longer work at. I'd like to roll it into....something, where I can keep track of it, and be able to add additional amounts from my paychecks. My current employers do not offer retirement benefits, but I'm finally making enough that I can and should be saving for retirement. [more inside]
Savings/Investment Advice for Young Cancer Survivor
Summary: I'm 33 with a ~60 percent chance of becoming terminal within 5-10 years. Saving for retirement doesn't make sense, but I'd like to set aside money for health emergencies and bucket list trips (and ideally have it gain interest). Best options? [more inside]
Making an investment plan for my family
My wife and I have been pretty good savers, but have not really given much thought to what to do with that money. Now we have a son [!] and I'm starting to realize that might have been foolish. I'm looking to make a plan so that we can spend as much time together as possible, as soon as possible. We are in Canada. [more inside]
Investments and recessions - how to plan?
Imagining a scenario with income drying up and wondering if there's an ideal way to plan for that. There might not be a way to plan for a situation with no options, but I have very little familiarity with financial planning. [more inside]
Why are bonds better than savings accounts? Which bond ETFs are safe?
As someone trying to maintain a small diversified portfolio, financial theory suggests that it is prudent to hold a mixture of asset types, with bonds especially often proposed as an alternative to more volatile equities. Is it worth the risk of diversifying into bonds and, if so, what's a good investment vehicle? [more inside]
What kind of professional do we want? And how to find one?
Spouse and I need to move our savings from the US to Canada. It's not, like, a ton of money but it's our life savings. Some of it is in taxable investment accounts and some is in tax-advantaged retirement accounts. What kind of professional do we want to help us sort out how to do this legally and without incurring a bunch of penalty taxes? And, how to find one? [more inside]
IRAs, how do they work?
I understand the difference between traditional and Roth IRAs... and not much else. Where should I put my money and what the heck am I supposed to do with it once it's in there? [more inside]
Family Investment model
Should I use the Yale university endowment investment model [more inside]
I want to invest in the cannabis industry. Where should I start?
Cannabis is probably the fastest-growing and well-funded industry these days and I want to get in on it. Googling gives me a lot of trolls and spam and nothing useful. [more inside]
What should I with £1,000 that will improve my world?
I've come into some money recently. One of the boardgames I've designed has been published (hooray!). I already have a full time job for normal living costs. So what should I do with this windfall? (more details in explanation) [more inside]
When to cash EE savings bonds?
While I was home for the holidays, my parents gave me a bunch of savings bonds that had been bought for me while I was a kid (and that I subsequently forgot existed). Now I have a few thousand dollars in EE savings bonds -- great! Except, when should I sell them? [more inside]
Should it stay or should it go? UK-Japan money movement question
I am a UK citizen, permanently based in Japan. I have several Japanese bank accounts, a UK bank account, but no UK address. A kind family member in the UK has given me £10,000 to use as I please. I don’t need this money right now, and probably won’t need it for the next 5 years, in fact. [more inside]
Best HSA-as-investment custodian
I'm interested in using my HSA as a tax-advantaged investment vehicle. What custodian provides the lowest fees and access to good funds (e.g., Vanguard)? [more inside]
Is this a bad idea, or just an eccentric one?
We received a substantial windfall (previously) and are looking at how to invest it. From our perspective, "Socially Responsible" index funds look like a joke. Would it be prudent to put nearly all of it in Municipal Bond Funds and withdraw the returns to cover a substantial portion of our living expenses? They look stable and low-risk, and public infrastructure is something we can get behind. [more inside]
Someone totaled my car; I'm getting screwed by her insurance company.
I've never been through this before, so I don't know what to expect. (I didn't know Gap Insurance was a thing, so I don't have it.) The other driver was entirely at fault, and her insurance company admits this. But because my car's value has gone down in the 1.5 years we've owned it, by the time they pay off the lien holder, I'll be $4,000 short of my initial investment and car payments. [more inside]
Saving and investing for a US citizen in Europe
I'm a US citizen, currently living in Europe but hoping to return to the US within a few years. I have money in a savings account, but the interest rate is very low, so I'm looking for advice on saving or investing the money in a smarter way. [more inside]
Best short-term CD?
I just sold my condo, yay! There will be a three-to-six month gap between this sale and buying a new house, and I want to stick the down payment somewhere it will make more money than my piddling savings account. What's the best way to shop for a three-month CD? [more inside]
It's our turn to ask the windfall questions
We got a windfall of $250k. It came in the form of a personal check and has been deposited in our savings account for now. After reading all the relevant Metafilter threads I could find, here's everything I think you'll want to know: [more inside]
What investment options do I have for a chunk of cash I need in 12m?
I am looking for a way to earn some interest on savings that I know I will need within 12 months, more details & requirements below. [more inside]
The best problem to have - investment advice needed, Australian edition
We have received an unexpected inheritance in the ballpark of $300k. We've read all the general advice for handling windfalls, and we have no debts, separate retirement savings, no immediate needs really. We just want to park it somewhere for 6-12mo while we figure out what to do longer term...where though? Should we just stick it in a term deposit attached to our bank account, or pick a managed Vanguard fund (does it matter which one?), or something else?
As above, we're in Australia.
Thank you in advance!
Got a windfall. Should I buy a home in my expensive city?
Recently came into some money, trying to figure out how to invest it. I have tried talking to the usual people (financial advisor, accountant) but the answers have been pretty noncommittal and inconsistent. Could use some help, snowflake details inside. [more inside]
Tell me about peer to peer lending as an investor
I received a moderate amount of cash recently that is currently just sitting in my savings account. I would like to use this money towards a down payment on a house in the next 1 - 2 years (maybe longer), but have no immediate need for it. I'm looking into short-term investments that may be able to make a little money, and I'm considering peer to peer lending. [more inside]
Investing as a non-resident American citizen
Tl;dr: all I want is a place to put savings that will, at a minimum, not steadily lose value to inflation (although actually growing would also be nice). What are my options? [more inside]
Will you buy me a house?
No, seriously, is there someone who will buy the house I'm living in and let me live there for a year? [more inside]
Remedial Maths for IRA Calculation
How do you mathematically calculate the value of an IRA -- sub question, how often does interest on an IRA accrue? [more inside]
How to Test My Thesis About Betting Against Twitchy Markets
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]
Can I buy a future for myself?
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]
The Monetary Value of Connecting the Dots
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]
What to do with £5000 (again)
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]
Can You Buy Vanguard ETF's in the UK?
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]
Telling your friends you bought a property
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?
Opaque fees bad, transparent fees good
Looking for recommendations for a personal financial advisor / planner in West LA area. Some details inside. [more inside]
Financial resources for the complete newbie?
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?
Should we stick with our financial/investment advisor or with the bank?
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.
Which VanGuard fund is best for 2016?
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]