 What should I ask when shopping for a good financial advisor? Also, is this a good time to buy stocks? |
| I know it's 2 questions- but I am looking for a good financial advisor and I've always chosen based on word of mouth- never asked to see any performance...Now I think I need to take more ... |
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 Forex trading online brokers |
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 Is this a bad time to invest a lot in the stock market? |
| I have a lot of my investments in a money market fund earning about 5.5% a year. I just got approval from the company I work for to invest with another B/D, so I was thinking of taking the money out ... |
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 Which one of these stocks should I invest my money.? |
Amazon
Apple
AT&T
Dell
Disney
Ebay
Google
HP
Intel
Kodak
PG&E
Microsoft
Motorola
Nintendo
Olympus
Pixar ... |
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 Where to put money when the US dollar is tanking? |
| if the value keeps dropping where can i invest ?... |
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 When do you think the dollar is gonna start picking up? |
Additional Details
I'm a Canadian with US funds. I don't know if I should leave it alone and wait cause it will eventually pick up or if I should change everything back into C... |
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 About to invest for first time ever...need some help? |
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 Best way to invest $30,000? |
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 Investing tips? |
I'm thinking abuot investing some money in stocks and such... but I have no idea where to start! Any tips or websites that can help would be great :)
Thanks!... |
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Answ3r3r | What fund is the best if I'm targeting retiring in 2030? |
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muncie birder
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I have a real problem with the idea of investing in "one" fund. To me that is not a sound investment idea. The problem with that is that you will be be diversified enough in your investments.
Why do you say that, you might ask? I thought the idea of mutual funds was to become diversified.
It is. The problem is that with just one fund you are locking yourself into the managment ideas of that particular fund. They may or may not be sound over a long period of time. Things can change a lot in 25 years and will change a lot.
To be properly diversified and give yourself the best chance of having your investments prosper, select about 5 different mutual funds with good track records but that have different investment objectives. For example: small cap fund, large cap fund, international fund, bond fund, value fund. Then once a year evaluate how each of the funds is performing. If a fund has one bad year, not to worry, but if it has a couple of bad years, it is time to change funds. But keep proper diversification. |
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world traveler
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Several people have suggested that you go into stocks directly given your time frame. That is bad advice unless you have a good deal of money to invest and the time to research the individual securities. Also, you would need to diversify your investment (spread it out over different industries) in order to minimize risk.
Mutual funds can do a pretty good job of this, as I suspect you know. Only a few mutual funds actually beat the market as a whole, but there are a good number that stay pretty close. What you are looking for is a mutual fund with no sales charges -- that is no commission or fee to buy it. You also want one that won't cost you anything to get out of, should you decide to sell within a short time. Finally, you need a low expense ratio and a fund that has performed reasonably over the years.
A number of companies these days are setting up funds that target specific retirement dates, and these can provide a good cautious way to invest becasue the funds are rebalanced periodically to keep the risk in line with your retirement goals. I believe Kiplinger Magazine did a good comparison of these types of funds in the past few months.
However, you are a long way out from retirement and you may wish to consider investing in an Index fund such as an S&P Index fund. These types of funds tend to meet all the goals listed above, with the exception of putting some money into a bond or CD. The latter type of investment is less risky and helps balance your risk.
Though I am certain that many securities brokers can help you with these investments, I know that Charles Schwab & Co has both "no-load" mutual funds and CDs avaialbe for sale without commission. You can research at their website. |
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Marc H. Mayor
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When you go to see the doctor, you can often see her/his certificates on the wall. This is his way to prove that s/he's a real doctor and that, for this reason, you should listen to her/his advice.
It should be the same with investing. Whoever you listen to, make sure they know what they're doing.
So, whatever approach you choose for investing, check that the strategy you follow has a good track record, ideally verified by an independent third party.
Let's make money!
Good luck
Marc |
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ac
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I will recommend Vanguard target retirement funds.
Reasons:
1. They offer funds with lowest maintenance cost.
2. They have great reputation of being most customer friendly mutual fund company.
I have heard fidelity and t rowe price offer such funds and are good too. |
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greeneyedevil
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Funds are good to balance your portfolio, but I'd think about investing in a solid blue chip stock right now. There's this Blue Chips Blues thing going on right now that's got a lot of long term high yield stocks pretty low. That means you get to get in on the low end of the price range. Lowe's stock comes to mind immediately. |
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pirateron
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Please do lots of homework in all of it,do expect the unexpected and try the under dog,remember that its a gamble that nothing is for sure my friendsit down and relax and think and look hard into it .Remember go with the mind not your heart in this game my friend. |
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Franco
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The cheapest Index tracker mutual fund for S&P. All other types are legalised gambling with the odds heavily against you. |
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the_closer11
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First of all, if anyone answers that question that knows what they are talking about...can lose their license to advising you without having thorough information about your financial situation and risk tolerance.
If you intend on retiring in 25 years, I would suggest developing a relationship with a financial advisor. You can see if your local bank has financial advising services, or you can ask your friends and family for a referral.
You can also try to do it yourself, but that's awfully dangerous. Planning for retirement isn't as simple as picking a mutual fund. There are a lot of things to consider other than just investment returns. |
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Big Bully
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You have something like 24 years, funds are too slow and they are a poor performer. Start looking at some nice growth stocks.
You will be allot happier with the results. |
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carolewkelly
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Diversify. Find a GOOD, qualified financial planner. |
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