 Got any stock market tips or an website for beginers in stock tradeing? |
try and give multiple sites cause i realy want to learn and dont give me teh kiddy one just casue i'm 15 i would like to be treated as an adult
also i will be useing charles scwab
... |
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 What is a hot stock to invest it? |
| Ok, I have $2,000 that I want to invest. I would like to double or triple it very fast, like with in one or two months, then pull out of the market. What is a good stock to invest in to beable to ... |
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 Question about stocks that pay out dividends? |
| When you buy a stock that pays out dividends, do always they pay out a constant % rate depending on your investment? Or does it also depend on profits? Meaning, your dividend is determined on the ... |
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 What are the possible way to save money? All commodities are very high and cylinder also going to cost more? |
| In a single salary family how can we save money in this present situation. Everything costs triple. Nowadays the life of service salary people becomes very poor in metropolitan cities like Mumbai. W... |
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 Is this actually possible? |
@ 20 invest $10,000 in the stock market/mutual fund
every year add $10,000
keep going until your 65, or for 45 years
reinvest all earnings in as well
don't take anything out ... |
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 What are you investing in? |
| I'm looking to buy some stocks while they're cheap.. just wondering what everyone else is investing in.. i bought some GE today.... |
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 Should i invest in shares or gold ? |
| Plz tell me what i should do ? invest in shares or gold to get profit in presetn market situation.... |
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 How much do you need to open an account? |
| How much do you need to open an investment account for stocks, mutual funds, bonds, and etc. Thanks.... |
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 What can i invest in. (120 000K)? |
| I just inherited 120 000$ I would like to invest it in something that will give me a good return not just 4 0r 5% over a year I have looked at real estate, Franchise like Mac D Tim H Pizza P, ext, ... |
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 If you had a million USD cash to invest this week where would you invest it? |
| Stocks? Northern California Real Estate? residential? commercial? international trading market? start up business?... |
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 I am trying to decide to invest some money, but undecided b/w money market and CDs.? |
| I am trying to decide to invest some money, but undecided b/w money market and CDs. Does any body know the formula to calculate the profit of each? T... |
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 Can unsecured loan companies make you sell investments/shares in stock market to pay back their loans? |
| i am currently going through bad patch and cannot meet the repayments. i hope to be back at work soon though?! any help greatly appreciated.... |
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joshua_m_carpenter | Should I invest in an IRA or a CD? |
I'm in the beginning stages of figuring out what to do with some extra income and I would like some more input from someone other than a commission driven person...what do you think? |
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Net Advisor
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The 1st and 2nd above posts are good answers. I would go one step further.
Consider a ROTH IRA, then invest in a CD or whatever you want inside the ROTH.
Why?
Withdrawals in a ROTH are usually tax-free. The account must have opened for at least 5 years.
Standard IRA:
All income/ gains are fully taxable at ordinary income levels when withdrawn at 59 1/2 or after. No early withdraws except for 1st time home buyer. |
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bud68
 |
You can have a CD within an IRA. An IRA is just a "basket" to hold retirement investments. Do you meet the requirements to contribute to an IRA? Read about them at investopedia.com. |
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Marvinator
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IRA always FIRST. THen a CD. IRA contributions are tax deductible up to a certain amount every year. |
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eforst18
 |
An IRA is not an investment. An IRA is an investment account with tax advantages (see http://futurewealthplan.com/advisor/?p=10). You can invest in stocks, ETFs, mutual funds, bonds, CDs, etc in an IRA.
Since you've considered an IRA, you seem to have a long term focus. CDs are definitely not a good option, especially with rates plummeting. Check out http://futurewealthplan.com for some info on stock investing.
Definitely open a Roth IRA if you're allowed to (income<95k) and won't need the money til retirement, then invest whatever you want in it. |
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gustavopena02116
 |
CD's are for short term needs. If you know of a major expense coming up in the next 12-24 months, then put some $$ away in a CD that matures around the time that expense will come due.
However, if you have a longer time horizon, open a Roth IRA (assuming you make less than $99k a year). You can contribute $4k for 2007 (til 4/15/08) and $5k for 2008.
Markets are on sale right now (consider the headlines on the biz pages the equivalent of a store saying 10% off everything). Always nice to get something on sale...especially a good quality long-term investment. |
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In another place
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depends on when you want to spend it. If you want access to it quickly, a CD- if you want to hold out for retirement than an IRA |
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tv
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Well an IRA isnt an investment itself. It is an individual retirment account that you buy investment in. You can buy a CD in an IRA for instance.
IRAs are for retirment. If you have money that you need for retirment, put it into the ira and any earnings are tax advantaged. A tradiditional IRA, you pay no taxes up front but pay taxes when you ritire. A Roth IRA, you pay taxes up front but all gains are tax free when you retire.
If you are young, you should put the money in an IRA and buy broad based mutual funds or index funds that own stocks, and just let them sit. Older you are, less risk you want, because you have less tiem to wait for a stock market recovery of it crashes, so you would want more bond funds.
If you are only saving this money for the short term and are not willing to take the risk that you could lose a lot, you should get it into just a normal CD. It will have a relatively low return and you will pay taxes on the gains, but it is safe and you will have acess to it in the short run. CDs have a term like 3 months, 1 year, 3 years and so on, where you wont be able to touch the money if you need it, but the rate is locked it. If you arent sure when you will need the money, put it into a money market mutal fund, which is liek a cd, but the interest rate is variable and you can take the money out whever you want.
Only invest in stocks in the short term (less then 5 years) if you are willing to take the risk that you could lose some of that money. Broad base stock investing is very safe in the long run, but very risky shorter your timeframe is. |
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Jasper
 |
our first option should be to fund fully a retirement account. If you do this, and you have extra cash, then one of the best things you can do is open a DRIP Plan.
Go to : low-cost-stock-recommendations
.com
They have a DRIP Section and it is free.
These powerful investment plans are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.
They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down. They are a must for any serious investor.
I strongly recommend looking into it. They are great plans. |
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stahlcyndi
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I did the IRA thing with a company I Had worked for,18 yrs ..Stayed away from stocks too risky.So I had some advice from a friend,yrs later left company before it went out of business with 58,971.00 took a lump sum and put it on a house put the rest back in an IRA again for when we retire.Never missed a penny out of check.
Good Luck |
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