Datasets:
circircircle
/
FinQA

Dataset card Data Studio Files
xet
 Community
text
stringlengths
146
45.7k
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Simple and safe way to manage a lot of cash ### Answer: Overall I think your idea is sound. The key here is to choose that 401k provider wisely and have a specific asset allocation plan (like Joe men...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Simple and safe way to manage a lot of cash ### Answer: As your question appears in the second half, so will my answer. Like you, I will provide some background. I remember buying gasoline for $1.75...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Simple and safe way to manage a lot of cash ### Answer: If this money is intended to be used for retirement and depending on how old "older" is, it sounds a little risky to be putting too much money i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Simple and safe way to manage a lot of cash ### Answer: You can move most or all of those financial products into a single account at one institution, but I wouldn't go with a "mutual fund account" li...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Low risk hybrid investment strategy ### Answer: I recall similar strategies when (in the US) interest rates were quite a bit higher than now. The investment company put 75% or so into into a 5 year gu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Low risk hybrid investment strategy ### Answer: I think you may be confused on terminology here. Financial leverage is debt that you have taken on, in order to invest. It increases your returns, becau...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Low risk hybrid investment strategy ### Answer: There are a number of strategies using options and shares together. One that sells large potential upside gains to assure more consistent medium return...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it important to research a stock before buying it? ### Answer: The only sensible reason to invest in individual stocks is if you have reason to think that they will perform better than the mark...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it important to research a stock before buying it? ### Answer: The following is only an overview and does not contain all of the in-depth reasons why you should look more deeply. When you look ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it important to research a stock before buying it? ### Answer: To a certain degree "the only sure thing I know is the price I paid for the stock is the fair price at the time I buy it" is absol...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is it important to research a stock before buying it? ### Answer: Most markets around the world have been downtrending for the last 6 to 10 months. The definition of a downtrend is lower lows and ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Foreign currency losing value — can I report this as a loss for tax purposes? ### Answer: This loss would be unrealized and, assuming you're a cash-basis tax-payer, you would not be able to take a los...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should I deal with my long term gain this year? ### Answer: Long term capital gains are taxed at 15% this year, so the most you stand to save is $150. I wouldn't sell anything at a loss just to of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should I deal with my long term gain this year? ### Answer: I don't believe in letting the tax tail wag the investing dog. You have a stock you no longer wish to hold for whatever reason? Sell it....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Option spreads in registered accounts ### Answer: From my own personal experience, you cannot trade spreads in RRSP or TFSA accounts in Canada. You can only buy options (buy a call or buy a put) or yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are reasonable administrative fees for an IRA? ### Answer: Zero. Zero is reasonable. That's what Schwab offers with a low minimum to open the IRA. The fact is, you'll have expenses for the inves...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are reasonable administrative fees for an IRA? ### Answer: Whether or not it's reasonable is a matter of opinion, but there are certainly cheaper options out there. It does seem strange to me tha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do Options take Dividend into account? ### Answer: No can't make quick bucks. It depends very much on what the strike price was. Dividends which are below 10% of the market value of the underlying s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do Options take Dividend into account? ### Answer: The CBOE had a great article on this. I will search for it and edit. The normal dividends are not adjusted. Which is why you see early exercise of ju...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What types of ETFs are taxed differently by the IRS? ### Answer: Very interesting question. While searching i also found that some precious metal ETFs (including IAU) gains are taxed at 28% because IR...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What types of ETFs are taxed differently by the IRS? ### Answer: Investopedia laid out the general information of tax treatment on the ETF fund structures as well as their underlying asset classes: ht...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Equity As Part of Compensation ### Answer: With LLCs, the operation agreement can define different shares for different kinds of income or equity, and different partners may be treated differently. In...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Equity As Part of Compensation ### Answer: At the most basic level, the employee is getting a share of ownership in the company and would get a percentage of the sales price. That said, as littleadv a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does owning BP ADR from US stock market required to pay custody fees ### Answer: New SEC rules also now allow brokers to collect fees on non-dividend bearing accounts as an "ADR Pass-Through Fee". Sin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does owning BP ADR from US stock market required to pay custody fees ### Answer: Rules appear to be changing (21NOV2014) Aviva Plc. AV on NYSE pass thru fee is 0.02 cents per ADR but that equals 11% d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is a public company allowed to issue new shares below market price without consulting shareholders? ### Answer: Shares are partial ownership of the company. A company can issue (not create) more of th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I put in a limit order for the same price and size as someone else, which order goes through? ### Answer: The one whose order gets to the exchange first. The exchange receives the orders and arrang...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I put in a limit order for the same price and size as someone else, which order goes through? ### Answer: While littleadv's answer is true for many exchanges (in particular the stock market, it's c...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying an ETF vs. The explicit Index ### Answer: what reason would I have in buying an ETF? Apart from the efforts, the real reason is the ticket size. One can't buy shares in fraction. To truly refle...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buying an ETF vs. The explicit Index ### Answer: To add to Dheer's point, the vast majority of retail investors will have to pay fees and use up a large amount of valuable time on the entrance and exi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Stock return based on percentage ### Answer: would you earn $600 or $1600? You would have $1600, and your earnings would be $600. That's the only answer it could be, since if you start with $1000 fro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would you not want to rollover a previous employer's 401(k) when changing jobs? ### Answer: The biggest reason why one might want to leave 401k money invested in an ex-employer's plan is that the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would you not want to rollover a previous employer's 401(k) when changing jobs? ### Answer: I've changed jobs several times and I chose to rollover my 401k from the previous employer into an IRA i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why would you not want to rollover a previous employer's 401(k) when changing jobs? ### Answer: Another minor reason not to rollover would be to avoid the pro-rata taxes when doing a backdoor Roth IRA...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to trade fundamentally good stocks over the short to medium term? ### Answer: Using Fundamental and Technical Analysis together is actually a good idea for longer term trading of up to 6 months or...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to trade fundamentally good stocks over the short to medium term? ### Answer: Your question is a bit odd in that you are mixing long-term fundamental analysis signals which are generally meant to ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Meaning of “readily transferable”? ### Answer: Securities or quite a few negotiable instruments can change title of ownership without any issue. Many at times the owner ship in implicit if you are hol...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Mutual fund invests in mostly the same stuff as ETF, but has much higher expense ratio? (biotech sector) ### Answer: Index funds, like IBB, generally lack active management, which equates to lower exp...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If NYSE has market makers, what is the role of NYSE ARCA which is an ECN ### Answer: Electronic trading is many orders of magnitude cheaper and more liquid than floor trading and is rapidly displacing...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If NYSE has market makers, what is the role of NYSE ARCA which is an ECN ### Answer: I would say it's a bit more complicated than that. Do you understand what a market maker does? An ECN (electronic ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does it mean to be a “high fee” or “low fee” 401k? ### Answer: Every 401(k) has managers to make the stock choices. They all have different rates. You want to see that fidelity or Vangard is h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What investments work for these goals? ### Answer: If you will leave the money invested for a good long while (years) then dividend paying stocks would be appropriate. There are many that pay yields o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What investments work for these goals? ### Answer: Assuming this will be a taxable account (since you want to pull income off of it, although this will lower wealth growth), you could open a brokerage...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What strike to choose if I want to sell weekly calls against a long LEAP put ### Answer: What I do not get is why does the author choose to buy an ITM put. If the goal was to not lose more than 5.6%...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What strike to choose if I want to sell weekly calls against a long LEAP put ### Answer: So this is only a useful strategy if you already own the stock and want protection. The ITM put has a delta clo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why the volume disparity between NUGT and DUST? ### Answer: NUGT and DUST are opposites - DUST is a 'bear' (tracks 3x the inverse) and NUGT is a 'bull' (tracks 3x the actual). So if NUGT is much high...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why the volume disparity between NUGT and DUST? ### Answer: NUGT and DUST both track GDX with triple leverage, but in opposite directions. GDX has been rising steadily throughout 2016, and certainly s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I take out a bigger mortgage, or pay a greater cash deposit? ### Answer: At a minimum, I would save 20-30k, because you need to have both a safety net and some money for home repairs. Very few...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Should I take out a bigger mortgage, or pay a greater cash deposit? ### Answer: The answer to your question depends on your answer to this question: Would you be willing to take out a loan at that in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does anyone know what Bank of NY Mellon's EB DLs are? ### Answer: ACWI refers to a fund that tracks the MSCI All Country World Index, which is A market capitalization weighted index designed to provi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Suitable Vanguard funds for a short-term goal (1-2 years) ### Answer: 1-2 years is very short-term. If you know you will need the money in that timeframe and cannot risk losing money because of a stoc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Suitable Vanguard funds for a short-term goal (1-2 years) ### Answer: If you are looking to invest for 1-2 years I would suggest you not invest in mutual funds at all. Your time horizon is too short f...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Suitable Vanguard funds for a short-term goal (1-2 years) ### Answer: A bond fund like VBMFX or similar I think are a good choice. Bonds are far less volatile and less risky than stocks. With your 1-2...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Suitable Vanguard funds for a short-term goal (1-2 years) ### Answer: If you are younger, and you not under undue pressure to buy a home at any particular time, investing in the market is a reasonable...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Suitable Vanguard funds for a short-term goal (1-2 years) ### Answer: If you want to invest in the stock market, whether over a shorter period of 1 to 2 years or over a longer period of 10 or 20 years...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What's wrong with this margin calculation? ### Answer: As the referenced document says, there are 3 formulas, and you need to use the formula which results the greatest margin requirement. In your cas...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Short term investing vs Leaving money alone? ### Answer: There are three basic concepts finance (as far as I'm concerned). Liquidity is basically an asset's spendability. Assets range in liquidity fr...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Short term investing vs Leaving money alone? ### Answer: Should I invest the money I don't need immediately and only withdraw it next year when I need it for living expenses or should I simply leave i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking into investment bonds for the first time- what do I need to be aware of? ### Answer: All bonds carry a risk of default, which means that it's possible that you can lose your principal investme...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking into investment bonds for the first time- what do I need to be aware of? ### Answer: First off, I do not recommend buying individual bonds yourself. Instead buy a bond fund (ETF or mutual fund...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should I calculate the opportunity cost of using a 401(k) loan? ### Answer: One way to analyze the opportunity cost of using a 401K loan would be to calculate your net worth after using a 401K loa...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should I calculate the opportunity cost of using a 401(k) loan? ### Answer: There is no equation. Only data that would help you come to the decision that's right for you. Assuming the 401(k) is i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How should I calculate the opportunity cost of using a 401(k) loan? ### Answer: Make sure that when you have the loan you still contribute enough to get the company match. For example: An inability t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do I research, analyze, and choose the right mutual fund for a roth ira? ### Answer: There is a lot of interesting information that can be found in a fund's prospectus. I have found it very helpfu...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate the rate of return on selling a stock? ### Answer: You probably want the Internal Rate of Return (IRR), see http://en.wikipedia.org/wiki/Internal_rate_of_return which is the compound ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate the rate of return on selling a stock? ### Answer: Simple math. Take the sale proceeds (after trade expenses) and divide by cost. Subtract 1, and this is your return. For example, buy...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to calculate the rate of return on selling a stock? ### Answer: If annualized rate of return is what you are looking for, using a tool would make it a lot easier. In the post I've also explained...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How could a company survive just on operations cash flow, i.e. no earnings? ### Answer: It is true that operation profit comes from gross profit however it is possible for a company to have negative n...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How could a company survive just on operations cash flow, i.e. no earnings? ### Answer: It depends on the definition of earnings. A company could have revenue that nets in excess of expenses, so from...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where do I invest my Roth IRA besides stock market and mutual funds? ### Answer: That depends, really. Generally speaking, though - Roth IRAs are THE PLACE for Stock-Market/Mutual-Fund investing. All ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where do I invest my Roth IRA besides stock market and mutual funds? ### Answer: Nowhere. To back up a bit, mutual funds are the stock market (and the bond market). That is, when you invest in a mutua...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where do I invest my Roth IRA besides stock market and mutual funds? ### Answer: In general, investors with a long period of time until they would need to withdraw the cash are best off holding mostly...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where do I invest my Roth IRA besides stock market and mutual funds? ### Answer: Many investment companies are also offering target retirement date portfolios to invest in. They manage reducing the r...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Where do I invest my Roth IRA besides stock market and mutual funds? ### Answer: You're technically 'allowed' to do other investments with your Roth, but you get taken to the cleaners by the financial...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How does pre-market trading work? ### Answer: First of all, not all brokers allow trading during pre-market and post-market. Some brokers only allow trading during the regular hours (9:30am - 4pm ET)...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What tax can I expect on US stocks in a UK ISA? ### Answer: non-resident aliens to the US do not pay capital gains on US products. You pay tax in your home country if you have done a taxable event in ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What tax can I expect on US stocks in a UK ISA? ### Answer: See my answer here What is the dividend tax rate for UK stock The only tax from US stocks you'd need to worry about would be dividend withho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the tax benefits of dividends vs selling stock ### Answer: The benefit is not in taxes. When you sell a portion of your stock, you no longer have a portion of your stock. When you get a divid...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the tax benefits of dividends vs selling stock ### Answer: In the US, dividends are presently taxed at the same rates as capital gains, however selling stock could lead to less tax owed for t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Compute average price even if I do not have the prices before ### Answer: What I do have is this (sample only): Stock X: Average Price of all I purchased before = 80 Total Shares = 200 So if Stock X's...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is 'days to cover' a useful metric in identifying the potential for a short squeeze? ### Answer: SeekingAlpha has an article about short squeezes that states: The higher the number of days to cover me...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why trade futures if you have options ### Answer: Yes, from the point-of-view to the end speculator/investor in stocks, it is ludicrous to take on liabilities when you don't have to. That's why singl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why trade futures if you have options ### Answer: That question makes assumptions that don't hold in general As to why to deal with futures: Well, there's just one contract per maturity date, not a w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why trade futures if you have options ### Answer: With options you pay for a premium which relates to the expected (so-called "implied" volatility). With futures, there is no assumption about the vola...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are unmarketable market orders (other side of the order book is empty) matched with incoming orders? [duplicate] ### Answer: I don't have all the answers. On a illiquid stock, such situations do a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can one use dollar cost averaging to make money with something highly volatile? ### Answer: As you mentioned in the title, what you're asking about comes down to volatility. DCA when purchasing stock...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can one use dollar cost averaging to make money with something highly volatile? ### Answer: if you know when and by how much something will fluctuate, you can always make money. Buy it when it's cheap...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can one use dollar cost averaging to make money with something highly volatile? ### Answer: That doesn't sound like dollar cost averaging. That sounds like a form of day trading. Dollar cost averaging...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can one use dollar cost averaging to make money with something highly volatile? ### Answer: Dollar cost averaging is beneficial if you don't have the money to make large investments but are able to ad...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does Technical Analysis work or is it just a pointless attempt to “time the market”? ### Answer: Technical Analysis in general is something to be cognizant of, I don't use a majority of studies and co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does Technical Analysis work or is it just a pointless attempt to “time the market”? ### Answer: The study of technical analysis is generally used (sometimes successfully) to time the markets. There a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the process of getting your first share? ### Answer: I think I understand what you're trying to achieve. You just want to see how it "feels" to own a share, right? To go through the process of...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the process of getting your first share? ### Answer: Let's handle this as a "proof of concept" (POC); OP wants to buy 1 share of anything just to prove that they can do it before doing the mon...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the process of getting your first share? ### Answer: nan ###end
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the process of getting your first share? ### Answer: Here's a different take: Look through the lists of companies that offer shareholder perks. Here's one from Hargreaves Lansdown. See if y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the process of getting your first share? ### Answer: I actually use a service called etorro, there are social trading and normal trading. It allows me to put money into the service, follow oth...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the process of getting your first share? ### Answer: You could also look up stock trading games. Basically, you get x amount of "money" and "invest" it in stocks, trying to get the highest re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why Demat/Stock Market Brokers don't support Credit Card Payin ### Answer: Most credit cards allow you to take "cash advances", but the fees and limits for cash advances are different than for regular...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Tax relief on UK salary income ### Answer: The broker that is issuing the moneys after vesting is more than likely deducting a notional amount of tax and NI based on UK income tax laws. If you are not...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pension or Property: Should I invest in more properties, or in a pension? ### Answer: Diversification is one aspect to this question, and Dr Fred touches on its relationship to risk. Another aspect i...