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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: List of Investments from safest to riskiest? ### Answer: With every caveat that Rick said plus many many more lets have some fun. One common way to measure risk is volatility of returns roughly how m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: List of Investments from safest to riskiest? ### Answer: I think your premise is slightly flawed. Every investment can add or reduce risk, depending on how it's used. If your ordering above is intende...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Will the popularity of index funds cause a pricing bubble in the stocks that make up an index? ### Answer: With regard to commodity futures, a paper released in January 2010 by Aulerich, Irwin, and Ga...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investment Portfolio Setup for beginner ### Answer: Some thoughts: 1) Do you have a significant emergency fund (3-6 months of after-tax living expenses)? If not, you stand to take a significant loss i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I continue to invest in an S&P 500 index fund? ### Answer: You have a good thing going. One of the luxuries of being invested in an index fund for the long term is that you don't have to sweat ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I continue to invest in an S&P 500 index fund? ### Answer: 5-8 years is not quite long term. Until the naughts (the 2001-10 decade), advisors were known to say that the S&P was always positive...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I continue to invest in an S&P 500 index fund? ### Answer: I would be very cautious about investing any more funds into the S&P500 at this stage. You are quite correct in your observation with ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I continue to invest in an S&P 500 index fund? ### Answer: Your 5-8 year time frame is interesting because it is actually a two windows. When people are savings for retirement, they tell us ho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I continue to invest in an S&P 500 index fund? ### Answer: Cycle analysis indicates that the current bear market, which began in May/June, should last until late 2016 / early 2017. So if you wa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I continue to invest in an S&P 500 index fund? ### Answer: You shouldn't. The Dow has gained 7% annually on average since October 1915(inflation-adjusted). It has also lost 73% of its inflation...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can I use my long position stocks as margin for my short sold stocks? ### Answer: 200% margin for a short sale is outrageous. You should only need to put up 150% margin, of which 50% is your money, an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: understanding the process/payment of short sale dividends ### Answer: I would suggest the following rationale : This appears to be a most unsatisfactory state of affairs, however, you can bet that thi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where are Bogleheadian World ETFs or Index funds? ### Answer: Half VTI (Vanguard Total Stock Market ETF) and half VEU (Vanguard FTSE All-World ex-US ETF), and stop futzing. The US is roughly half the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where are Bogleheadian World ETFs or Index funds? ### Answer: You weren't really clear about where you are in the world, what currency you are using and what you want your eventual asset allocation to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where are Bogleheadian World ETFs or Index funds? ### Answer: A proper world porfolio is a non-trivial task. No one answer exists which is the best one and how one should construct it. World? The prob...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Who should pay taxes in my typical case? ### Answer: Once you turn 18 you should open an account in your own name and transfer the assets there. Currently your mom is the one responsible as far as the...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Who should pay taxes in my typical case? ### Answer: The bottom line is you broke the law. While this is pretty much victimless, it is none the less a violation of the law and should be avoided in th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Savings account with fixed interest or not? ### Answer: Personally I would have a hard time "locking up" the money for that very little return. I would probably rather earn no interest in favor of th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Savings account with fixed interest or not? ### Answer: As observed above, 1.5% for 3 years is not attractive, and since due to the risk profile the stock market also needs to be excluded, there seems...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to start buying shares with small amount of money? ### Answer: Before anything else, read up on the basics of economics. After that, there a few things you need to ask yourself before you even thi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should I trust investment banks' ratings? ### Answer: In theory, GS has a Chinese Wall between the department which issued the advice and any departments which may profit from such advice. This wo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should I trust investment banks' ratings? ### Answer: If there's indeed no reason to trust GS, i.e. those are just guides then the question is: Why do investors seem to care? Because there's a r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why should I trust investment banks' ratings? ### Answer: Investment banks will put out various reports and collect revenues from that along with their banking activity. I don't read them or care to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Avoiding timing traps with long term index investing ### Answer: 1) The risks are that you investing in financial markets and therefore should be prepared for volatility in the value of your holdings....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Avoiding timing traps with long term index investing ### Answer: What are the risks pertaining to timing on long term index investments? The risks are countless for any investment strategy. If you ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Avoiding timing traps with long term index investing ### Answer: It's amusing that despite all the evidence that "you can't time the market", everyone still wants to try. Of course I understand your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to sell when your financial needs change, stocks or bonds? ### Answer: The answer may be a compromise... if your goal is to make bonds a larger part of your portfolio, sell both stocks and bonds ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to sell when your financial needs change, stocks or bonds? ### Answer: Don't set mental anchor points. I am saying this as a total hypocrite, mind you, it isn't easy to follow that advice. My sug...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to sell when your financial needs change, stocks or bonds? ### Answer: So I don't have any problems with your analysis or the comments associated with it. I just wanted to mention that no one is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to sell when your financial needs change, stocks or bonds? ### Answer: You are right about the stock and index funds, with dollar cost averaging over several years, the daily price of the securit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to sell when your financial needs change, stocks or bonds? ### Answer: You have to understand what risk is and how much risk you want to take on, and weight your portfolio accordingly. I think y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying shares in employer's company during IPO ### Answer: I think of these things in terms of risk. Investing in individual stocks is risky, and investing in brand new individual stocks is riskier s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying shares in employer's company during IPO ### Answer: Rather than take anyone's word for it (including and especially mine) you need to do think very carefully about your company; you know it far...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying shares in employer's company during IPO ### Answer: So the key factor here, IMHO, is the amount we are talking about. $2K is just not a lot of money. If you lose every penny, you can recover....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying shares in employer's company during IPO ### Answer: its the best investment you can have specially with the company you work for and IPO, if i was you i would invest in more then just the minim...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: First time investor wanting to invest in index funds especially Vanguard ### Answer: Congratulations on deciding to save money and choosing to invest it. One thing to know about mutual funds including...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Usage of a sell stop order ### Answer: It depends to some extent on how you interpret the situation, so I think this is the general idea. Say you purchase one share at $50, and soon after, the price m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which kind of investment seems feasible to have more cashflow every week or month? ### Answer: Over the long run, you can expect to do about as well as the market itself. Depending on what time period...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which kind of investment seems feasible to have more cashflow every week or month? ### Answer: Ignoring the wildly unreasonable goal, I'll answer just the Headline question asked. It's possible to cho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Which kind of investment seems feasible to have more cashflow every week or month? ### Answer: I'll mirror what the others have said in that your expectations for returns are wildly out of line with r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does the expense ratio of a fund-of-funds include the expense ratios of its holdings? ### Answer: From The Prospectus for VTIVX; as compared to the Total Stock Market Fund; You can see how the Targe...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does the expense ratio of a fund-of-funds include the expense ratios of its holdings? ### Answer: I just looked at a fund for my client, the fund is T Rowe Price Retirement 2015 (TRRGX). As stated in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How much should I save up per trade? ### Answer: I'd answer it this way: What do you want to do? I'd say any amount is acceptable from as low as $100. When you look at the specific "tree" of investi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finding stocks following performance of certain investor, like BRK.B for Warren Buffet ### Answer: Remember that unless you participate in the actual fund that these individuals offer to the public, y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finding stocks following performance of certain investor, like BRK.B for Warren Buffet ### Answer: Since nobody seems to have an answer here is the list I've came up so far: I'll keep adding to the li...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finding stocks following performance of certain investor, like BRK.B for Warren Buffet ### Answer: A couple points, first you don't point out what investors you want to invest with, and second BRK.B d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Finding stocks following performance of certain investor, like BRK.B for Warren Buffet ### Answer: Since the vast majority of fund managers/big investors run private entities, it's not possible to tra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing tax (savings) ### Answer: You'd want the money to be "liquid" and ready for you to use when tax time comes around. You also don't want to lose "principal", i.e. if you put it into stocks and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Investing tax (savings) ### Answer: If you have a mortgage, making part of it a mortgage-backed overdraft (ANZ call theirs a Flexi loan) is worth looking at. I'm in a similar situation, consulting sin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you explain why it's better to invest now rather than waiting for the market to dip? ### Answer: Your chance of even correctly recognizing the actual lowest point of a dip are essentially zero, so...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you explain why it's better to invest now rather than waiting for the market to dip? ### Answer: With a long enough time horizon, no matter when you buy, equities almost always outperform cash and...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can you explain why it's better to invest now rather than waiting for the market to dip? ### Answer: This simulation game uses actual historical S&P 500 data to test whether you can "time the market."...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What percentage of my portfolio should be in individual stocks? ### Answer: If you are comfortable with the risk etc, then the main thing to worry about is diversity. For some folks, picking stocks i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What percentage of my portfolio should be in individual stocks? ### Answer: How much should a rational investor have in individual stocks? Probably none. An additional dollar invested in a ETF or low ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What percentage of my portfolio should be in individual stocks? ### Answer: I find the question interesting, but it's beyond an intelligent answer. Say what you will about Jim Cramer, his advice to s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What percentage of my portfolio should be in individual stocks? ### Answer: I think it depends entirely on your risk tolerance. Putting money in individual stocks obviously increases your risk and pot...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What percentage of my portfolio should be in individual stocks? ### Answer: I'm in a remarkably similar situation as yourself. I keep roughly 80% of my portfolio in low-cost ETFs (16% bond, 16% commo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using P/E Ratio of an ETF to decide on asset mix ### Answer: P/E alone would not work very well. See for example http://www.hussmanfunds.com/html/peak2pk.htm and http://www.hussmanfunds.com/rsi/profit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using P/E Ratio of an ETF to decide on asset mix ### Answer: P/E is a useful tool for evaluating the price of a company, but only in comparison to companies in similar industries, especially for indus...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are option contracts subject to mark to market rules ### Answer: If I sell a covered call, on stock I own 100%, there is no risk of a margin call. The stock goes to zero, I'm still not ask to send in ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: USA H1B Employee - Capital gains in India from selling selling stocks ### Answer: My tax preparing agent is suggesting that since the stock brokers in India does not have any US state ITINS, it beco...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: USA H1B Employee - Capital gains in India from selling selling stocks ### Answer: the demat account that I have in India is not an NRI account. Since I was not sure how long I would be in the US, I ne...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can OTC scams affect you? ### Answer: Am I being absurd? No. Should I be worrying? Yes. If I sell in the morning, I've only lost a couple hundred dollars, and learned a valuable lesson. Is there...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to deal with intraday prices conflicting with EOD highs and lows ### Answer: In the US, stocks are listed on one exchange but can be traded on multiple venues. You need to confirm exactly what yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Find out the difference between two stocks of the same company (how to identify ADRs, etc) ### Answer: Generally, when I run across this kind of situation, I look for the Investor Relations section of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would someone buy a way out-of-the-money call option that's expiring soon? ### Answer: I suggest you look at many stocks' price history, especially around earnings announcements. It's certainly a ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would someone buy a way out-of-the-money call option that's expiring soon? ### Answer: It could be that the contracts were bought at cheaper prices such as $.01 earlier in the day. What you see th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would someone buy a way out-of-the-money call option that's expiring soon? ### Answer: Out of the money options often have the biggest changes in value, when the stock moves upward. This person co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would someone buy a way out-of-the-money call option that's expiring soon? ### Answer: The most likely explanation is that the calls are being bought as a part of a spread trade. It doesn't have ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would someone buy a way out-of-the-money call option that's expiring soon? ### Answer: Perhaps it was to close a short position. Suppose the seller had written the calls at some time in the past ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would someone buy a way out-of-the-money call option that's expiring soon? ### Answer: I think the best answer that doesn't make the buyer look like a moron is this. Buyer had previously sold a co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When would one actually want to use a market order instead of a limit order? ### Answer: If you have $10000 and wish to buy 1000 shares of a $10 stock, you risk borrowing on margin if you go over a bi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When would one actually want to use a market order instead of a limit order? ### Answer: You put in a market order when you want to sell to whomever raises their hand first. It results in the fastest...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When would one actually want to use a market order instead of a limit order? ### Answer: Firstly what are you trading that you could lose more than you put in? If you are simply trading stocks you wil...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: When would one actually want to use a market order instead of a limit order? ### Answer: After learning about things that happened in the "flash crash" I always use limit orders. In an extremely rare ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Post tax versus pretax (ESPP versus straight investment) ### Answer: This answer assumes that your purpose for using the ESPP is to generate a relatively safe 15% return on that portion of your income...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: which types of investments should be choosen for 401k at early 20's? ### Answer: I can't find a decent duplicate, so here are some general guidelines: First of all by "stocks" the answers generally me...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: which types of investments should be choosen for 401k at early 20's? ### Answer: Split your contributions evenly across the funds on that list with the word "core" or "S&P" in the name. Maybe add "In...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: which types of investments should be choosen for 401k at early 20's? ### Answer: If you don't want to pay much attention to your investments, target date funds -- assuming you find one (like Vanguard'...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: which types of investments should be choosen for 401k at early 20's? ### Answer: The question you should be asking yourself is this: "Why am I putting money into a 401(k)?" For many people, the answer...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does an options premium really mean? ### Answer: Intuitive? I doubt it. Derivatives are not the simplest thing to understand. The price is either in the money or it isn't. (by the way, exactly '...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to read a chart after a split? ### Answer: The share price on its own has little relevance without looking at variations. In your case, if the stock went from 2.80 to 0.33, you should care only ab...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: US tax returns for a resident - No US income and indian shares ### Answer: I'm assuming that by saying "I'm a US resident now" you're referring to the residency determination for tax purposes. Should ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Collecting Dividends while insulating volatility through options? ### Answer: The strategy is right. As pointed out by you, will the " volatility cause the premium on the price of the options to be to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why doesn't buy at open get the official open price? ### Answer: There is no official price. There is only the price a seller is willing to offer and a buyer is willing to accept at that moment. It te...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is a call spread and how does it work? ### Answer: A bullish (or 'long') call spread is actually two separate option trades. The A/B notation is, respectively, the strike price of each trade. Th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Difference between 'split and redemption' of shares and dividend ### Answer: It is the first time I encounter redemption programme and I would like to know what are my options here You can hold on to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking down stocks I own ### Answer: There's two possibilities. One is that the broker declared your account abandoned and turned over your account to the state. If that happened, it should turn up ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tracking down stocks I own ### Answer: My best answer is to simply fish out that old email account. DumbCoder makes a good point - the company whose shares you own can probably figure out what brokera...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ex-dividend date and time zones ### Answer: Ex-Date is a function of the exchange, as well as the dividend. Consider Deutsche Bank AG, DB on the NYSE, DKR on Xetra. For a given dividend, each exchange...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Non US-resident, need to file 83b election TODAY with the IRS - I have an SSN but it says “valid for work only with DHS auth” - is this OK? ### Answer: Google that "valid for work..." phrase. You'll f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to do with an expensive, upside-down car loan? ### Answer: First suggestion: Investigate refinancing the auto loan with a reputable credit union or bank. I reduced my costs by changing my auto l...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to do with an expensive, upside-down car loan? ### Answer: If you can't sell it, refinance the bugger. Even if you can knock the interest rate down to 8% and take out a 3-year loan, you'll save ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to do with an expensive, upside-down car loan? ### Answer: Does the full time PHD student extend to 70-80 hours/week or more? If not, can you pick up an extra job to aid with living expenses? Als...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to do with an expensive, upside-down car loan? ### Answer: An option that no one has yet suggested is selling the car, paying off the loan in one lump sum (adding cash from your emergency sum, if...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to do with an expensive, upside-down car loan? ### Answer: You could do a voluntary repossession. While a repossession never looks good on your credit a voluntary repossession is slightly better....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to do with an expensive, upside-down car loan? ### Answer: The answer depends on your wife's overall situation, whether you are in a community property state, and other factors. I'm assuming that...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What to do with an expensive, upside-down car loan? ### Answer: the best thing to do is file bankrupt. your credit will be shot for 7 to 10 years. however usually 3 years after the bankrupt people wil...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What Happens To Stocks During Hyperinflation ### Answer: Stocks in the Weimar hyperinflation are discussed in When Money Dies. I don't own a copy of the book but here is a link to a blog post about it...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What will happen to my restricted units? ### Answer: This should all be covered in your stock grant documentation, or the employee stock program of which your grant is a part. Find those docs and it...