 22 Year old needs advice on investing? |
I am 22 years old, and I have no idea how to invest and what to invest in? Ira's, Mutual Funds, Money Markets, Stocks?
No Idea at all, I dont even know where to start, I would however like ... |
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 How do i learn about stock market? |
| i want to learn how to invest in stocks and even the basics of it.maybe youll could suggest some good site.... |
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 18 yrs old, $10-$15k to invest, where to invest? |
Hi,
I'm currently 18 years old with $10-$15k to invest. I want to set aside $5k for my startup businesses, so I have about $10k ready to be spent. What are my investment options? I ... |
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 What are premium bonds and are they worth getting...? |
Say for my kids? Thanx
Explain as you would a child.... |
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 To lower the cost of gas, should the US Government impose a tax on purchases of Oil as a commodity? |
| or as someone else suggested increase the margin requirments to make trades on barrels of oil ---forcing indviduals or groups to have more money to get into the oil speculation game. (I am still ... |
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 How much would you think I could get if I sell a 1979 $2 bill? |
Additional Details
for slow people I'm not talking about two singles. I'm talkin about a bill that has a 2 on it. They don't make these ... |
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 40 % return on your investment?? |
Does it sound too good? Does anybody know of any investments that has higher returnes?
Additional Details
Time frame:1.5 ... |
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 My father is going to retire.Where he should invest Rs. 17 Lacs for regular income as well as for its growth? |
| My father is going to retire on 30th Sep'08. Where he should invest Rs. 17 Lacs for regular monthly income (Approx. 10000) as well as for its growth?... |
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 What is Liquid Money? |
| The question is related to stock Market, Pls answer in the same regards.... |
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 I am about to inherit $400,000 from my deceased father...what should i do with the stock (Abbott Labs)? |
| What should i do with the $400,000.00 worth of Abbott stock...sell off so many shares and put 20% down on a $300,000 condo then invest the rest???... |
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 What is the best way to invest money??? |
Lets suppose ,I have 20000 rupees to invest now. And I want to invest it for the next three years . And I want maximum benefit out of my investment after three years.
So,tell me what is ... |
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 What would be a good retirement plan for me? |
| Single mother of one, earning about $20,000 per year. No 401K ... |
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snood84 | Roth IRA question? |
I'm new to investing, and I recently started a Roth IRA with Charles Schwab. In the two months since I began investing, my shares have gone done about 4%. I know when you're investing like this, there's always the potential to lose money. I don't plan to retire until after 2045, so I can be more aggressive, but I guess I didn't plan on losing so much so soon. Is this normal, or do I need to take my money and invest it in another fund? Since I'm not very experienced in this area, I just picked a target retirement fund for after 2040. I guess I just didn't plan on losing so much so soon (it's really not a lot, but when you're young and new to investing it seems like that. I wanted it to grow, not decrease!) |
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jebediabartlett
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Well...you probably just picked the worst time in the last six years to get in... but it is not the end of the world..( or your money)...
Look at this chart:http://finance.yahoo.com/q/bc?s=%5EGSPC&t=5y&l=on&z=m&q=l&c=
See how it goes up... then down...then up..then down...well you just bought at one of the times it was up...and it went down...it WILL go up again....and as you can see in the LONG TERM.... it goes higher each time it goes up.... right now it has fallen back to where it was a year and a half ago...
... that is not a LONG time when you are talking about a 35/40 year investment. With experience, you will get used to the "movement"... unless , of course, there is total disaster ....but even in that case, your money, no matter where it is would be " useless".
Your other alternative is to get much more active in your investing and change funds...some things have actually MADE money in the last six months... energy, agricultural chemicals, natural resources.,some international funds.... you could look at what Schwab has to offer in those areas.
Depending on their minimum investment policies...and what you are allowed to put in your IRA...you could " take a little off" the target fund and invest in ETFs...in metals/ mining ( XME)...or in agriculture ( MOO..DBA )....in the case of ETFs, you can buy as many shares as you want... 10 or 20 isn't out of the question...and just part of your money will be working in a different way than your fund. ( my wife and daughters are UP 30% in the last 3 months in those areas)
...or you can just " ride it out"... there really is no need to panic...no matter how annoying, even heart- breaking, that it seems right now. |
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muncie birder
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Being aggresive has certain risks which in times like we have today become readily apparent. Normally, at least with the target retiremnet funds I am familiar with, they are not particularly aggressive. The last 2 months have been particularly distressful, but 4% loss is not too bad during this time. The Dow Industrial average is down 11.5% during that period. It is under a disadvantage however. It is stuffed full of has been financials.
There is no telling how long the value of stocks might continue to decline or how far they might decline. But since you are in this for the long term, I think your best strategy is to stick with your plan. Also look at it this way. As the market declines and you add more money to your IRA you are buying investments at cheaper prices than you were in the past.
Think of it as going to a sale at Macy's. |
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duff16oz
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Relax that is normal. When you start buying and selling too much that cost money also. Good luck! |
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Angie
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The stock market has been horrendous lately. It's gone down significantly, and you're seeing that being reflected in your investments. Try being patient. In the long run, stocks out perform other types of investments, such as bonds. But there are peaks a valleys. We're in a valley right now. You are not alone. |
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Mrs.Clean
 |
Gee...well I agree with almost everyone's answers ( to a point) so far. Don't panic...this is " normal"...look at exactly what you're holding... you could just stand there and watch things fall apart... or you can do even just a little something about it... or completely change to " international'....
Most likely, being new and inexperienced, just riding it out IS your best option, but the guy who said look into small ETF buys may not be too wrong...or even look to buying some individual stocks.... I KNOW ...another guy said ignore that, but taking just a small step or two to remedy or offset some losses may be a nice learning process.
I AM invested in the XME that someone mentioned and it does well...I also bought just 30 shares of ICO ( in coal) and that is up for me ( from 9 dollars to 12.48) just nice little offsets to the lagging funds.
So... try something ...or hold on... either way, you're okay...and don't let disappointment shake you...keep adding to the IRA... in the long run it will beat the bank, beat CD's beat Social Security...and you will live to enjoy your patience. |
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worldfrogmoney
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Did you think stocks were a sure thing ?
That, like real estate, stocks always go up?
Your money is at risk .
Bonds are the only sure thing.
Many fortunes were lost in the 2000 crash.
where is AOL today?
Did you own Enron and Worldcom?
Let Warren Buffett and Ben Graham teach
you how to make money . |
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Beau.Gus
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Since the market can (and often does) go up and down 1% to 2% in a single day, being concerned about a 4% loss in two months suggests you may be looking at your balance too often! If your money is in one of the "2040" targeted date type funds, the best thing for you to do would be not to look. You haven't lost ANYTHING unless you jump ship now, and the chance that you will not earn an annualized average return of somewhere between 8% & 15% between now and 2040 are close to zero. That means for EACH $100 you have in there today (and leave alone), you will have somewhere between $1,174 and $8,757 in 2040.
The stock market is like a roller coaster, the only people that get hurt are the ones who don't just sit down in the car, hold on tight, and enjoy the ride!
Best wishes! |
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save m
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In a word: no. Don't change. It's an old saying, but it's true: you haven't lost the money until you sell.
You will hear people tell you international works right now, or value looks good, or have you tried XYZ or ABC? Please. Commodity funds are up double digits year-to-date--and so what? You're in a diversified fund, which absolutely makes MUCH more sense. Stay put.
I know it feels bad right now, and your stomach hurts when you look at your statement. But the truth is you have 47 years--YEARS--to go, and two months means absolutely nothing.
Here's the REALLY good news: as you continue to (regularly, I hope) put money in, since the fund you have purchased has gone down in price, your--for example--$100 per month will buy more shares this month than it did last month.
It's called dollar-cost averaging. It's a WONDERFUL tool for when the markets are dropping.
Your advisor at Schwab should be telling you about this. Read this piece on Investing for Beginners from Invest.com; it explains dollar-cost averaging in more detail: http://beginnersinvest.about.com/cs/newinvestors/a/041901a.htm
Good luck |
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malty21
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You need to look at the funds they are investing your money in. The statements are available. Right now international is out performing anything. Look into it. |
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wildhorsejones
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buy value funds
small cap value |
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