 Investing 101? |
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 I am buying house for investment. I am not sure if I should 20 or 30% down pay.? |
| I thought 30% down better to reduce interest pay. But my agent says to put 20% because I could get tax deduction for home interest payment. which one is better to reduce interest pay or to get tax ... |
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 I lost my entire life savings and inheritance of $400,000 in the stock market mostly in SIRI? |
Why I havent killed myself God only knows.
Now I'm stuck with 32,000 shares of SIRI at $0.45 a share when it was around $10 just 3 years ago.
Will SIRI ever go back up to $1... |
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 If I am 30 yrs old & sigle with no kids & no house then about what is my risk tolerance for investing? |
| What is my risk tolerance and why is this important? What funds should I be looking into at this age? What percentage of my investments should go into each category of risk?... |
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but with safely and step to ... |
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| The economy is so bad right now but I don't understand where all the money is going. If someone gives money to another, he then turns around and spends on something else. So why is the economy ... |
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| What is the best way for a novice to pick stocks? |
| I plan to do a steady investing plan (IE $1000 / mth). I'd like to divide the money into 4 - 8 stocks. I don't want to play the market or day trade. . .Aggressive and steady, that's ... |
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| It's up almost 40% today. Is this just an anamoly or is it smart to buy it now since it's so low?... |
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| I am 18 and what is the best way to learn more about saving money and investing in stocks or anything else? |
| So far I am going to try to work every summer and make 2 grand each summer. I am clueless about investing money, i want to learn how to start a business with friends(not those pyramid scams stuff), i ... |
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 Has anybody lost money by investing in MUTUAL FUNDS? |
If yes, then how? What are the precautions one must take while investing in Mutual Funds.
Is UNIT TRUST equally safe? What is the difference between Unit Trust and Mutual Funds?... |
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 What should i invest my 10k in to get the most return? |
| I have 10k and I want to invest that money into something where i would make the most return. I don't know too much about stocks so i don't think going risky would be a great idea, but i ... |
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susan57701 | As an investor I have the choice of daily, monthly, or quaterly compounding, what do I chose and why? |
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Yada Yada Yada
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Depends on the rate. But assuming rate is the same, you'll want the one that compounds the most (like continuous and yes, there is continuous).
Say you got 24% compounded yearly, quarterly, monthly, daily, and continuously.
Here's what your interest would be after one year.
Yearly is (1 + 0.24) ^1 -1 = 24%
Quarterly is (1 + 0.24 / 4)^4 - 1 = 26.248%
Monthly is (1 + 0.24 / 12)^12 - 1 = 26.824%
Daily is (1 + 0.24 / 365)^365 - 1 = 27.115%
Continuous is e^(0.24X1) - 1 = e^0.24 -1 = 27.125%
Hope that helps! |
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yums
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read tips on investing stocks and much more to help you on this site |
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derek
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what is the APR of each?
APR will rise with more frequent compounding periods and it is a standard way of quoting % rate (let's the consumer do an apples to apples comparison). |
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echadsemail
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easy: daily, the more something compounds the more money you'll make. |
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rajatharjani
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If all the investments have the same interest rate then of course daily! |
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jaggerlink
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Daily, or the one that compounds most often. That way, the interest you earn on your money earns its own interest sooner. (unless the less often one has a significantly higher percent interest). |
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Franco
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The compounding period is irrelevant. What matters is how much it comes to at the end of the year, which is called the Annual Equivalent Rate (AER)
E.g. 0.0133681% per day is 5% pa.(AER) |
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Privratnik
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Daily. The more frequent it is compounded, the more frequently you get paid interest on your investment. |
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ChicagoDude
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Daily is better.
You want interested compounded as often as possible because then you get interest on your interest. For example, suppose you have an investment that pays 6% interest and you invest $100. If it's compounded annually, that means at the end of the year you get $6 in interest. If it's compounded monthly, then you get 0.5% interest (6% divided by 12 months) at the end of the first month, so you now have $100.50. During the second month, you are earn interest on the extra 50 cents, and so on. At the end of the year, you then have
$100 * (1.005)^12 = $106.16 and your effective interest rate is actually 6.16%. It's not a big difference, but it is better. |
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