 Am I diversified? |
| I am 32 and my wife is 33 so we have a long investment horizon. Here is how we are set up. Our holdings are divided into 6.13% cash, 70.13% US stocks, 17.09% Foreign stocks, 6.23% Bonds, .42% ... |
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 Would it be smart to put $20 to $50 a week into saving bonds.? |
if so how fast will they grow. I'm thinking of around 6 to 10 years. will they double or will I have to invest into one every few weeks to make it grow at any rate.
will it just be ... |
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 What business would you start if you had $250,000 in order to make millions?? |
I have been wonderfully blessed in a mysterious way. I was granted a half a million dollars but half must go toward school (plus grad.) I'm graduating this May.
I would love not to invest ... |
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 How do companies benefit from their stock price? |
| I realize that once they sell the stock they get the money from that transaction, but why would they care after they sold it whether or not the stock goes up? Like if they sell it for $30 then the ... |
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 Short selling?? |
Hi guys,
If we short sell some shares, when is the deadline to buy back?? Also, when we short sell, whose shares are we borrowing from?
... |
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 Does anyone know how slowing down the housing market affects an apartment's value? |
| As more people lose their houses, due to the current credit crunch and move into apartments, how does that affect an apartments value. Basically, does that mean an apartment buildings value will go ... |
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 Traders: Which of these is a better market to play & trade -- Currencies, Options on Equities, or Commodities |
| As a personal investor, I've dealt more with options and commodities but have recently been looking at currencies & foreign exchange. What I don't like about options is that they are a ... |
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 If I have to invest some money to make a side business, what the idea suggested? |
| I'm an employee. But would like to set up a business quite a small earnings....... |
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 Is this a good time just to stay out of the stock markets and ? |
| just buy silver and gold.I really don't have the money to lose in the market right now.I am trying to get 3 kids throw college.Any Advice would be ... |
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 What should I do with $12,000? |
| I have about 12,000 in a regular checking account and would like to know how I should best invest it. I already have about 10,000 in a roth IRA... |
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 Been workin in the gobi desert for 9 months, on return to UK my mate sold me his bradford & bingley ,,,,,, ? |
| ,,,,,, shares for £1.50 each.. Bugga me bargin like that dont come every day do they???... |
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 What would be something good to invest in if you only have 1k? |
| So I have recently read "rich dad, poor dad" and I have decided to be unlike all of my other 18 year old counterparts and try my hand at investing. I would like to try to get some residual ... |
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 Stock market? |
| if i put $350.000 $ 400.000...in the stock mkt. how mush can i expect to receive ..can i live off the intrest ????.should i go uro or ... |
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sam | Avoiding mutual fund fees? |
Can I avoid paying annual mutual fund expenses by selling the mutual fund before the annual fee charged or am I charged the fee during the sale? |
 |
 
SWH
|
No, this is not a good strategy. Most mutual funds require that you hold the funds for a certain length of time, like 90 days. If you sell before then you will be charge a penalty. Also, as mentioned above, the management fee is prorated thoughout the year. This is to avoid the daytraders from getting in to the funds.
Another consideration is taxes. When you sell, you will have to pay capital gains taxes. The idea of mutuals, is to hold for the long term, and sell when you are in alower tax bracket, i.e., after retirement; or need the money for something important.
If you're going to be in and out, based on market and economic considerations, then you should consider ETFs. With these, you get a basket of stocks in a specific sector or index, and have diversification, but can sell them like individual stocks.
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NC
|
No. If you hold the fund for less than a year, you still get charged fees and expenses on a pro rata basis. |
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jebediabartlett
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Let me think...if you got in a taxi and asked the driver to take you three miles away...could you avoid paying by getting out at two and a half ?? How about a plane ride?
Geeez, you get in, ask people to move things around so you make good returns...then you don't want to pay?
... do you hold up the line at the supermarket with expired coupons, too? |
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Franco
 |
Annual fees are charged daily. They thought of your trick. |
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Yisrael Chai
|
If you bought A shares you already paid. If you B or C shares, you will pay part of the cdsc(sales charge) depending on how long you held the fund. If you could elaborate on how long and the type of shares you have, I would be able to give you a better answer. |
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derobake
 |
The annual expense ratio refers to the percentage that they take from you over a period of a year. However, these costs are ALREADY factored into the NAV of the fund shares, spreading this cost among all 365 days (or 366 days in a leap year). The name NAV (Net Asset Value) implies that it has already factored in the Liabilities (costs). Assets - Liabilities = Net Assets.
You're already paying these costs right now. Right now, as you read my words. And then, when you read the next post, you will continue to pay these costs. You will pay them every single day you hold mutual fund shares.
The better method is to pick low cost funds from the start. If you just stick with http://www.vanguard.com for all your non-employer investing, you'll never have to worry about high costs.
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Did you really think you could outsmart a multi-billion dollar industry? |
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zioncanyon
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if you are being charged mutual fund fees, then you need to get out of that family and go into vanguard or fidelity...look up both of these families, they are fantastic and charge next to nothing |
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