It's moronic Monday, the Wednesday edition, your chance to ask any of those questions that you're embarrassed to ask in real life. Investing |
- It's moronic Monday, the Wednesday edition, your chance to ask any of those questions that you're embarrassed to ask in real life.
- Want to buy a home but it's a seller's market
- Insider trading is legal for politicians. Do any of you try to follow Congressional insider trading for any sort of investing ideas?
- Where did you guys learn everything you need to know about investing and money generally?
- 6% Apartment Building Vs. 20% Multifamily Cap Rates
- 401k contributions - Roth vs pre-tax
- Explain Dark Pools to me
- How Do I Justify an ETF's Expense Ratio?
- Should/where should I put my money in a savings account if I want to pull out and buy a house in 3-5 years?
- Why does the fed raise interested rates instead of the discount window?
- Vanguard Sector ETFs
- If They Can Predict FIFA World Cup Winner, Why Not Winning Stocks?
- Why a lot of people are against having Social Security in stock market even though the same people are ok with 401k or IRA?
- Just came across this video, planning to sign up but is this legit?
- Short sellers: What is/was the most ballsy short position you've held and how much did/does it stress you out?
- Setup an LLC in a tax haven state even if you don't live there?
- Short Term Brokered CDs Drying Up
- U.S. offers German car bosses 'zero tariffs' solution to trade row
- Giga Project - Question about Silk Road and China as a new world power
- What is the value of deal flow?
- Anyone know any small but promising investment funds who follow a 'Graham' like approach? Not for my own investment, rather would love to talk to one of the managers.
- Is there such things as higher education ETF?
- Easiest way to sell physical stock certificates?
- Daily advice thread. All questions about your personal situation should be asked here
- Needing advice on an investment property opportunity
| Posted: 04 Jul 2018 05:05 AM PDT We encourage all our visitors to ask those investing related questions they were always too afraid to ask. The members of /r/investing are here to answer and educate! NOTE If your question is "I have $10,000, what do I do?" or anything similar. There is no single answer to this question, but we will also need A LOT MORE information if we are to give some sort of answer
Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions! [link] [comments]  |
| Want to buy a home but it's a seller's market Posted: 04 Jul 2018 08:29 PM PDT I live fairly cheaply (and have for the last few years). I have about something like 200 grand in liquid equity and I want to buy a home. But the housing market right now is insane. It's a seller's market. Like times 100. And I don't see any reason to pay a 20% premium on a home that's $800K when I know it's only worth about 6. Do you folks feel the same way? Is it really a seller's market or are these prices the new normal? I really hate renting. It's like throwing money into the furnace. But I'm not paying an arm & a leg in rent. I can afford to wait it out a while and stockpile more cash. What would you guys do? [link] [comments]  |
| Posted: 04 Jul 2018 06:38 PM PDT |
| Where did you guys learn everything you need to know about investing and money generally? Posted: 04 Jul 2018 07:43 AM PDT So guys I am 15 and I am really interested in investing and earning money which is why i want to learn the right attitude and everything about this so I am ready once I grow older. My family is kind of in the middle class and I realized that if I want materialistic things like games (lol), I'm going to be the one that has to provide it for myself. It's not like that my mother doesn't give me the things I want, its just that I kind of feel bad. My parents are divorced and it is mostly my mother that provides for my sister and I(she is also helping with the financial needs of my grandmother)because when they were together she was the one that works while my father stayed home and took care of us. So when my mother left him because he cheated on her, my father didn't have anything to get money from. Right now he kind of has a small printing business which enables him to stand on his own feet. This the reason I can't wait to grow old and earn money so I could actually do what I want. I also want to help to improve my father's business and give my parents what they want. Sorry that I went way off topic guys, I hope this is allowed and won't get my post deleted haha. [link] [comments]  |
| 6% Apartment Building Vs. 20% Multifamily Cap Rates Posted: 04 Jul 2018 08:00 PM PDT I'm curious as to why in the same town, $150k 2-4 unit multifamily homes have cap rates of 20%, but 20+ unit apartment complexes for $2 Million have cap rates of 6%. What's the advantage of spending such a large amount upfront to get such a pitiful return? The appeal of commercial real estate just doesn't make sense to me? It's harder to get into, more expensive, harder to place tenants, and generates a fraction of the return. Based on Connecticut Real Estate market. EDIT: For those saying 20\% Cap is unrealistic... I own several properties making ~20% Caps in the area right now. One is a duplex I bought Jan 2017 for $49k and put in $26k of remodels over 45 days of work singlehandedly. It currently produces $2695/mo with below market rents (should be $2900/mo). Taxes are $350/mo, Sewer/Water $75, and Landscaping is $70. I had both units rented during the demolition process of the remodels, way before it was completed. I value it at $140k. Anyone who wants to buy this property for $441,000 at 6% Cap.. I'll give a $41,000 discount to. LOL [link] [comments]  |
| 401k contributions - Roth vs pre-tax Posted: 04 Jul 2018 06:40 AM PDT 24 y/o engineer Salary: $7x,xxx Current $401k balance: $16,xxx Company matches 100% up to 6% as long as I am above 8% Currently, I contribute 10% Roth and 4% pre-tax. Considering the company's contributions are pre-tax, this comes out to a net 10% Roth and 10% pre-tax. I don't plan on changing the amount I'm contributing (either up or down), but am looking for input on if my contributions should be allocated differently. Thank you! [link] [comments]  |
| Posted: 04 Jul 2018 09:39 PM PDT A Dark Pool is defined as trading venues in which the size and price of orders are not disclosed to participants. Prices are within the best bid and ask prices available in public markets, but traders face the risk their orders may not be filled if an excess of either buy or sell orders is received. What are some examples are dark pools? Would GDAX/COINBASE PRO be considered a dark pool or is it the opposite of a dark pool? I'm trying to understand this in terms of a market with an open order book and GDAX/COINBASE PRO has one. [link] [comments]  |
| How Do I Justify an ETF's Expense Ratio? Posted: 04 Jul 2018 07:11 PM PDT I'm looking to invest some roth money into VMOT. But the expense ratio is .79% whereas some Vanguard ETFs have expense ratios of less than .10%. I understand VMOT has a very unique and more "active" strategy when compared to traditional index funds/ETFs, but is the premium worth it? Would appreciate any insight on how to approach this question. [link] [comments]  |
| Posted: 04 Jul 2018 07:19 PM PDT Hi, I am in my mid 20's, who is looking to purchase a house by 30 or sooner. I have some money saved, and would love to start investing in something that would get me better returns than a bank savings account. My background in investing: Economics major, made over 60k in crypto currency before the beginning of this year's tragedy (which I got out before then) and I have dabbled with traditional stocks since graduating college, which have yielded a rollercoaster of returns (thanks r/wallstreetbets). Nevertheless, I am willing to learn how to invest individual stocks if it is the best route. No more crypto for me - I am fine with my 60k returns hehe. Next step is a wedding (no wife yet) and eventually a house. I need to start growing up and exploring the best financial instruments to get there. Happy 4th [link] [comments]  |
| Why does the fed raise interested rates instead of the discount window? Posted: 04 Jul 2018 03:29 PM PDT As I understand it, the Federal Reserve raises interest rates to loans that they make to banks when the economy is growing too quickly to prevent hyperinflation. They also have the ability to change the discount window as well, which I believe is the ratio of deposits to loanable money. Wouldn't it be wiser for the Fed to adjust the discount window and always keep interest rates low? That way, when the economy is too "hot", the banks wouldn't be able to loan a muchoney out, which would make them be choosier with their loans. In my mind that would put more of the financial responsibility on the banks. Has the discount widndow been used in this way in the past? [link] [comments]  |
| Posted: 04 Jul 2018 08:14 PM PDT I'm looking to get more diversity than investing in an ETF that just tracks the S&P or Dow. I understand that you get decent diversity there but it's not completely balanced by sectors. I was thinking of spreading out my investment evenly among 10 of the Vanguard sector ETFS (all of them except real estate). Has anyone done something similar or read about this strategy? My main concern is that since these are 0.10 expense ratio funds I may be overpaying for something that exists at a lower expense ratio elsewhere [link] [comments]  |
| If They Can Predict FIFA World Cup Winner, Why Not Winning Stocks? Posted: 04 Jul 2018 11:36 PM PDT I read an article on the above mentioned subject. It was an interesting read. As in, 'wouldn't it be great if some of these World Cup Winner predictors could predict the best stocks to buy?' Goldman Sachs have used machine learning to predict Brazil as the winner of FIFA 2018. But what about stocks and shares? Wouldn't this be really useful information for us? So why don't they? The general conclusion is that stocks sales are often inflluenced by factors outside the machine's comprehension. So it's far from safe. [link] [comments]  |
| Posted: 04 Jul 2018 08:25 PM PDT Especially since Social Security is designed for super long term, it would have enjoyed multiple bull rallies by now. Just like 401k or IRA. Another hypothetical question, why can't government just cancel Social Security and double down on 401k or IRA? [link] [comments]  |
| Just came across this video, planning to sign up but is this legit? Posted: 05 Jul 2018 04:27 AM PDT |
| Posted: 05 Jul 2018 04:17 AM PDT |
| Setup an LLC in a tax haven state even if you don't live there? Posted: 05 Jul 2018 12:30 AM PDT So say I'm trying to not get wrecked by short term capital gain taxes In the future how possible is it to setup an LLC in a state like Nevada or Wyoming even though my "office" is in New York? Is that a thing? [link] [comments]  |
| Short Term Brokered CDs Drying Up Posted: 05 Jul 2018 04:06 AM PDT I keep my short term cash in a series of brokered 6 month CDs. I've noticed this month the brokered CD market seems really thin, there's very few offerings relative to what I normally see. Some banks that I used to be able to buy from are now only available in longer term series. I'm wondering if anyone happens to know why this has suddenly happened? [link] [comments]  |
| U.S. offers German car bosses 'zero tariffs' solution to trade row Posted: 04 Jul 2018 11:52 AM PDT https://www.google.com/amp/s/mobile.reuters.com/article/amp/idUSKBN1JU2G5 Looks like tensions on the EU trade war are cooling. [link] [comments]  |
| Giga Project - Question about Silk Road and China as a new world power Posted: 05 Jul 2018 02:26 AM PDT The current price correction in Hang Seng and the rest of China's indices could be an attempt by China to forestall the possible global financial market crash and allow it to be fairly controlled. Incidentally, it is very interesting to delve into China's new plans: the Belt and Road initiative, or OBOR, is a giga project - and you can pretty much see the implications. What's your opinion? [link] [comments]  |
| What is the value of deal flow? Posted: 04 Jul 2018 06:39 PM PDT I understand that there is a normal finders fee relationship in fundraising and I'm wondering about how that model is applied from the perspective of an angel investor looking to see more deals. Let's say that I am a startup/business consultant that meets a bunch of people looking for money for their early stage business. If I were to qualify each deal I saw as being either in or not in your target (market, rev, value, round size, etc.) and learn what was and wasn't a valuable opportunity and send exclusively send you the leads that looked good, what is that worth? I'm asking very open endedly, I know, but I'm more looking to start a discussion about prospecting value and structuring than pitch anybody. [link] [comments]  |
| Posted: 04 Jul 2018 06:25 AM PDT |
| Is there such things as higher education ETF? Posted: 04 Jul 2018 12:03 PM PDT Seeing how tuitions keep going up and up, I'd imagine that universities are making record profits year after year. Is there a way to invest in? [link] [comments]  |
| Easiest way to sell physical stock certificates? Posted: 04 Jul 2018 12:57 PM PDT Hey guys, When I was born in 1997, my dad bought me 10 shares of Disney which then split into an additional 20 shares a year later. I do have the physical certificates and they are under my name. My question is, what is the most efficient and cost effective way to sell some or all of my shares. Should I go directly through Disney's brokerage agent? Should I just go talk to someone at my bank? Should I use a private broker? Any info is appreciated. Thanks! [link] [comments]  |
| Daily advice thread. All questions about your personal situation should be asked here Posted: 04 Jul 2018 05:05 AM PDT If your question is "I have $10,000, what do I do?" or anything similar. There is no single answer to this question, but we will also need A LOT MORE information if we are to give some sort of answer
Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions! [link] [comments]  |
| Needing advice on an investment property opportunity Posted: 04 Jul 2018 06:22 PM PDT I am looking for advice in regards to whether I should pursue the purchase a rental property if I don't have the full amount for the down payment? The property itself is a duplex listed for $260K and both sides each take in $1300 a month in rent. It's a property for an area I know well and close to a rental property I already own (which has been a great investment for me). So my question isn't necessarily of whether it's a good investment or not (as I already think it is), but whether I have the means to buy it and if it's worth the added debt I would have to take on? The 25% down payment comes to $65k. I currently have $30k of disposable income to throw towards this. If I decide to buy I would probably need to pursue a commercial loan and need to still figure out how to come up with the remaining $35k for the down payment. Would it be worth pursuing a heloc or home equity loan? Are there any better alternatives? I currently own three properties. Primary Residence – Value $150k. Mortgage Balance $84k. Investment Property 1 – Value $250k. Mortgage Balance $67k. Investment Property 2 – Value $135k. Mortgage Balance $104k. The other 2 investment properties provide me with $14k in passive income annually that I want to use to snowball into more investment properties. Outside of the three mortgages I carry no debt. By my estimates the net operating income for the investment property I am looking at is $18k annually but I estimate the debt service for the commercial loan to be $16k, but then there is the added debt service for the other $35k to consider. Any advice would be appreciated! My concern with buying as noted earlier is if added debt will wipe out my return. My concern with waiting is that you never know when a similar property will become available and what prices/rates will look like in the future. Plus, I can't accelerate my passive income in the present and I wouldn't be able to buy anything with the 30K I currently have. I estimate I would need to wait around 2 years before I would have the $65k in disposable income available for a down a payment. [link] [comments]  |
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