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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does Charles Schwab have a Mandatory Settlement Period after selling stocks? ### Answer: That is the standard set by most securities exchanges: T+3 : trades complete three days after the bargain h...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does Charles Schwab have a Mandatory Settlement Period after selling stocks? ### Answer: TLDR: Why can't banks give me my money? We don't have your money. Who has my money? About half a dozen dif...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does Charles Schwab have a Mandatory Settlement Period after selling stocks? ### Answer: They're taking advantage of float. Like so many things in the financial world today, this practice is a (s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why does Charles Schwab have a Mandatory Settlement Period after selling stocks? ### Answer: Simple Schwaab does not have actually your securities they have leased them out and have to borrow them bac...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Calculating a stock's price target ### Answer: The price-earnings ratio is calculated as the market value per share divided by the earnings per share over the past 12 months. In your example, you stat...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it better to buy U.S ADRs or stock in native stock exchange for a foreigner? ### Answer: It depends. An ADR might be exposed to a larger market (let's say American) with more volume and thus lower ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Exercise an out of the money option ### Answer: It is possible to exercise an out of the money option contract. Reasons to do this: You want a large stake of voting shares at any price without moving ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Exercise an out of the money option ### Answer: For listed options in NYSE,CBOE, is it possible for an option holder to exercise an option even if it is not in the money? Abandonment of in-the-money ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Solicitation of a Security ### Answer: ASSUMING THIS IS A QUESTION OF U.S. SECURITIES LAWS You didn't explain whether you're related to the mother and son, but I'll assume you are. If that's the case...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is there so much variability on interest rate accounts ### Answer: In answering your question as it's written: I don't think you're really "missing" something. Different banks offer different rate...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is there so much variability on interest rate accounts ### Answer: Generally, if you watch for the detail in the fine print, and stay away from non-FDIC insured investments, there is little differ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is there so much variability on interest rate accounts ### Answer: Pay attention to nickel-and-dime charges (atm fees, low balance fees, limit on atm transactions per month, charge for human telle...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why is there so much variability on interest rate accounts ### Answer: I spent some time comparing banks' interest rates until I realized that it didn't actually matter (to me). The only money I keep ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Gold futures' margin ### Answer: The initial margin is $5940 and maintenance margin $5400. A simple search of Comex Gold Margin gives the CME group site. You then need to specify CMX metals to see th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Gold futures' margin ### Answer: The initial and overnight margin requirements are set by the exchanges (who calculate them using the Standard Portfolio of Analysis of Risk, or 'SPAN' system), and pos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What happens to personal data I disclose for joining an employee stock plan? ### Answer: You aren't getting a straight answer because nobody knows why those regulations are the way they are. Everyone ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why diversify stocks/investments? ### Answer: Basically, diversifying narrows the spread of possible results, raising the center of the returns bell-curve by reducing the likelihood of extreme result...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why diversify stocks/investments? ### Answer: Diversifying is the first advice given to beginner in order to avoid big loss. For example in 2014 the company Theranos was really appealing before it fai...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why diversify stocks/investments? ### Answer: Any investor can make a bad bet, even Buffett. Even if you have done every bit of research on an investment possible you are exposed to random external ev...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why diversify stocks/investments? ### Answer: Diversification is used by many to hopefully reduce the risk when bad investments are made. Diversification does not help you make more profits but instea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why are index funds called index funds? ### Answer: Because they track an index. Edited: The definition of the word in this case meaning "something used or serving to point out; a sign, token, or indi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do investment banks evaluate a private firm going public? Is it based on the assets owned by the company? ### Answer: Will the investment bank evaluate the worth of my company more than or less th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How do investment banks evaluate a private firm going public? Is it based on the assets owned by the company? ### Answer: They're not going to look very hard at the asset value (except for actual cash...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Invest in ESPP Single Stock or General Market ### Answer: Other than the guaranteed 5% bonus (assuming you sell it right away), no benefits. Keep in mind that the price from which the discount is calc...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Invest in ESPP Single Stock or General Market ### Answer: Make sure to check the language describing the 'discount'. The company may be matching your contribution by 5% instead of a discount. You wil...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do I see multiple trades of very small quantities? ### Answer: Or it could be a Robinhood user just messing around with their free commissions. I've seen "people that work for organizations" and o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do I see multiple trades of very small quantities? ### Answer: Probing for hidden limit orders usually involves sending the orders and then cancelling them before they get filled if they don't get...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do I see multiple trades of very small quantities? ### Answer: It looks more like someone is trying to pocket the spread. The trades are going off at the bid then the ask (from what I can tell wi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the meaning of “Closed Short” ,“Opened Long” ,“Scaled Out” and “Scaled In”? ### Answer: Opened Long - is when you open a long position. Long means that you buy to open the position, so you are...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I pay taxes on a gift of mutual funds? ### Answer: I gift my daughter stock worth $1000. No tax issue. She sells it for $2000, and has a taxable gain of $1000 that shows up on her return. Yes, you...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do I pay taxes on a gift of mutual funds? ### Answer: First of all, in the U.S., no Federal gift tax has to be paid by the recipient of the gift; it is the donor who has to pay gift tax, if any is du...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to minimise the risk of a reduction in purchase power in case of Brexit for money held in a bank account? ### Answer: The mathematical answer is for you to have a diversified portfolio in your ISA...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to minimise the risk of a reduction in purchase power in case of Brexit for money held in a bank account? ### Answer: GBP has already lost part of his value just because of the fear of Brexit. An ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to minimise the risk of a reduction in purchase power in case of Brexit for money held in a bank account? ### Answer: If you are really worried your best bet is to move all your cash from Sterling...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: F-1 student investing in foreign markets ### Answer: You cannot have off-campus employment in your first year, but investments are considered passive income no matter how much time you put into that e...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buy US ETF as foreigner — a bad idea? ### Answer: Here're some findings upon researches: Two main things to watch out for: Estate tax and the 30% tax withholding. These 2 could be get around by invest...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Buy US ETF as foreigner — a bad idea? ### Answer: A quick update for people finding this thread through Google. With the help of a few awesome Bogleheads, I compiled all the relevant research done int...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are dividends for shareholders of banks paid? ### Answer: Why? Balance sheet is balance sheet, why is it complicated? Bank shareholders get dividends in exactly the same way as any other company s...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are dividends for shareholders of banks paid? ### Answer: A typical manufacturer buys raw materials, produces a product using labor and energy at a specific cost with some waste, and then sells th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Less than a year at my first job out of college, what do I save for first? ### Answer: On paper the whole 6 months living costs sounds (and is) great, but in real life there are a lot of things that y...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Less than a year at my first job out of college, what do I save for first? ### Answer: I recommend saving for retirement first to leverage compound interest over a long time horizon. The historical re...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Less than a year at my first job out of college, what do I save for first? ### Answer: Too long for a comment - It's great that you are saving to the match on the 401(k). Does your company offer a Ro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Less than a year at my first job out of college, what do I save for first? ### Answer: You should plan 1-3 months for an emergency fund. Saving 6 months of expenses is recommended by many, but you ha...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Less than a year at my first job out of college, what do I save for first? ### Answer: I wish I was in your shoes with the knowledge I have in my head. financial goal setting is a great plan at your a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Do US mutual funds and ETFs pay taxes on dividends? ### Answer: Mutual funds don't pay taxes themselves, they distribute any dividends or capital gains to the shareholders. Thus, if you hold a mutual ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Terminology: What are the labels associated with a share called? ### Answer: If the first one is literally a company name, then 'company name' is fine. However, companies can issue shares more than on...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Open Interest vs Volume for Stock Options ### Answer: What if there is only one trading day and the volume is smaller than the open interest on that one trading day. This is assuming there is no o...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Open Interest vs Volume for Stock Options ### Answer: You are asking 'what if', do you have some anticipated answers? Having volume smaller than open interest is the norm. As far as I can tell, having...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Open Interest vs Volume for Stock Options ### Answer: For stock options, where I'm used to seeing these terms: Volume is usually reported per day, whereas open interest is cumulative. In addition, som...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are exchange rates decided for each country? ### Answer: Today the rates are arrived simply on the basis of demand and supply. Historically rates were pegged to Gold, when all currencies were prin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are exchange rates decided for each country? ### Answer: Rates are arrived at by the cumulative buying and selling on the foreign exchange market, much the same way that stock prices are arrived a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does an Executed Limit Order Imply a Spot Price? ### Answer: Think of all the limit orders waiting in line, first organized by price, and then by the time the order was placed (earlier orders are clos...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does an Executed Limit Order Imply a Spot Price? ### Answer: I can't say I know everything about the underlying details, but from what I understand, your limit buy adds to the bid side of open orders,...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What does a high operating margin but a small but positive ROE imply about a company? ### Answer: The operating margin deals with the ability for a company to make a profit above the costs of running ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the role of a manager in a passively managed index fund? ### Answer: There still is some buying and selling to do in a passively-managed fund. The stocks might pay dividends. If the fund man...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the role of a manager in a passively managed index fund? ### Answer: There is trading, and while it can be automated, someone has to define the rules for the automated system. Why not call th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are good Monthly Income Funds? [Canada] ### Answer: @sharam - big question. I am going to answer part of it, but not as directly as you might like. You mention 4-6 cents per unit per month, but ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any benefits to investing with a group of friends vs. by myself? ### Answer: In most markets, there are fixed fees known as commissions. For instance, with a retail broker in the stock marke...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Are there any benefits to investing with a group of friends vs. by myself? ### Answer: The benefits of pooling your money with others: The drawbacks of pooling your money with others: Practically Spea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good idea to put everything in the S&P500? ### Answer: At a very high-level, the answer is yes, that's a good idea. For money that you want to invest on the scale of decades, putting money int...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is it a good idea to put everything in the S&P500? ### Answer: What you choose to invest in depends largely on your own goals and time horizon. You state that your time horizon is a few decades. Most...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Can heavy demand for options drive up or down a stock price? ### Answer: You will tend to find as options get closer to expiry (within 2 months of expiry) they tend to be traded more. Also the closer ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is this type of risk-free investment called? ### Answer: This sounds a lot like an Equity-indexed Annuity. They date from about 1996 (there is a bit of skepticism about them, as they are tricky ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is this type of risk-free investment called? ### Answer: My Credit Union offers a market-linked CD where the investment has FDIC protection if it is held to maturity, but otherwise they are linke...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is this type of risk-free investment called? ### Answer: These products are real, but they aren't risk free: 1) The bank could go under in that time. (Are the investments FDIC insured?) 2) Your ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is this type of risk-free investment called? ### Answer: This is what is called a Structured Product. The linked page gives an overview of the relative pros and cons. They tend to hold the bulk...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is this type of risk-free investment called? ### Answer: The name of this type of investment is Capital Guaranteed Investment, and yes they do exist, some financial institutions do offer them fro...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Getting (historical) Standard & Poor Stock Guides ### Answer: I haven't seen one of these in quite some time. Back in the 1970s, maybe the 1980s, stock brokers would occasionally send their retail cl...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Getting (historical) Standard & Poor Stock Guides ### Answer: Log in to your Scottrade account, and goto Markets --> Analyst Views --> Click the PDF link for the company. Also, there is also the 'Vi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the most effective saving money method? ### Answer: In a word: budgeting. In order to have money left over at the end of the month, you need to be intentional about how you spend it. That is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the most effective saving money method? ### Answer: A technique that is working pretty well for me: Hide the money from myself: I have two bank accounts at different banks. Let's call them A ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the most effective saving money method? ### Answer: Entire books have been written on how to get to the end of the month before you get to the end of the money. It's a very broad problem. But...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the most effective saving money method? ### Answer: A trick that works for some folks: "Pay yourself first." Have part of your paycheck put directly into an account that you promise yourself ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the most effective saving money method? ### Answer: First pay yourself. When you get salary, send some parts of that (for example 10%) to your saving account. Step by step you'll save nice m...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What is the most effective saving money method? ### Answer: Envelope budgeting is pretty simple. It's easy enough that you can teach it to children, and flexible enough you can use it as an adult. ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Have my parents been bilked? If so, what to do? ### Answer: If they made deposits 20 years ago, and none since, the S&P is up over 300% since then. i.e. a return of $40,000 on $10,000 invested. We wou...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find stocks with very active options chains? ### Answer: Just as a matter of research, apparently there is a way to find high option volumes such as a site here: https://www.barchart.com/opt...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find stocks with very active options chains? ### Answer: If you're willing to shell out some cash, vendors will be quite happy to sell you everything you need. Picking one out of thin air, a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How can I find stocks with very active options chains? ### Answer: Agree with some of the posts above - Barchart is a good source for finding unusual options activity and also open interest -https://w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Approximation of equity value for company in default ### Answer: Generally "default" means that the company cannot pay off their debts, and since debt holders get paid before equity holders, their eq...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are various types of income taxed differently in the USA? ### Answer: Long-term capital gains, which is often the main element of investment income for investors who are not high-frequency day tra...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How are various types of income taxed differently in the USA? ### Answer: Many individual states, counties, and cities have their own income taxes, payroll taxes, sales taxes, property taxes, etc., yo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: What are the differences between a REIT and an MLP? ### Answer: A REIT is a real estate investment trust. It is a company that derives most of its gross income from and holds most of its assets in rea...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using pivot points to trade in the short term ### Answer: Pivots Points are significant levels technical analysts can use to determine directional movement, support and resistance. Pivot Points use th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Using pivot points to trade in the short term ### Answer: What are Pivot Points? Pivot Points indicate price levels that are of significance in technical analysis of securities. Pivot Points are used ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: A good investment vehicle for saving for a mortgage down payment? ### Answer: When you are saving for money you need in 5 years or less the only real option is a savings account. I know the return is ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: A good investment vehicle for saving for a mortgage down payment? ### Answer: Assuming this'll be a taxable account and you're an above-average wage earner, the following seem to be biggest factors in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does it make sense to talk about an ETF or index in terms of technical indicators? ### Answer: Yes, it makes sense. Like Lagerbaer says, the usefulness of technical indicators can not be answered with...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does it make sense to talk about an ETF or index in terms of technical indicators? ### Answer: With the disclaimer that I am not a technician, I'd answer yes, it does. SPY (for clarification, an ETF t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there data and proof that a diversified portfolio can generate higher returns than the S&P 500 Index? ### Answer: Is it POSSIBLE? Of course. I don't even need to do any research to prove that. Just...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there data and proof that a diversified portfolio can generate higher returns than the S&P 500 Index? ### Answer: Stocks, Bonds, Bills, and Lottery Tickets notes the work of Fama and French who res...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there data and proof that a diversified portfolio can generate higher returns than the S&P 500 Index? ### Answer: While it's definitely possible (and likely?) that a diversified portfolio generates...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is there data and proof that a diversified portfolio can generate higher returns than the S&P 500 Index? ### Answer: Yes, a diversified portfolio can generate greater returns than the S&P 500 by going...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Why do mutual fund trading limitations exist? e.g. 90 day transfer limits? ### Answer: Mutual funds (that are not exchange-traded funds) often need to sell some of their securities to get cash when a...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to chose index funds, mutual funds from a plethora of options (TD Ameritrade) ### Answer: I agree with others here that suggest that you should be taking higher risk since it is repaid with higher...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: How to chose index funds, mutual funds from a plethora of options (TD Ameritrade) ### Answer: One thing to be aware of when choosing mutual funds and index ETFs is the total fees and costs. The TD Ame...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Commencing a Pension from an SMSF ### Answer: No. Disclaimer - As a US educated fellow, I needed to search a bit. I found an article 7 Common SMSF Pension Errors. It implied that there are minimum pay...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Index ETF or Index mutual fund - standard brokerage account ### Answer: The ETF is likely better in this case. The ETF will generally generate less capital gains taxes along the way. In order to pay ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Index ETF or Index mutual fund - standard brokerage account ### Answer: The main difference between a mutual fund and an ETF are how they are bought and sold (from the investors perspective). An ETF i...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Pay off entire mortgage or put into investments ### Answer: I like this option, rather than exposing all 600k to market risk, I'd think of paying off the mortgage as a way to diversify my portfolio. E...