Lux Investing
Fixed Income Investing Knowledge Base
what is the best way to start investing on a fixed income? My wife and I are both on Social Security.We dont have alot of money,but enough to invest $50 to $100 each month.We are in our early 40's and would like to have a little nest for the future.I am very green when it comes to investing.I am a little leary about investment firms. I have heard some bad things.Dont know which ones i can trust.I would like a deversified portfolio just dont know how to safely deversify it.Also could you recomend a good book to get me started in understanding the investing world a little better.(stocks,bonds,mutuial funds,401's,Ira's)ect...A little advice would be greatly apriciated. THANK YOU TRENT& GINA. SAC, CAL.
Are there stock market options that a person on a fixed income may invest? I am on s.s.d.i. due to an acute case of Scoliosis. As such, I live on a "fixed" income. I am incredibly tired of struggling financially. I have tried diversified mutual funds a very long time ago and was very happy with it! Do you recommend them and if so, which ones? What other stocks or investments with no loads would you recommend?
For each of the following choices, what fixed income mutual fund would you invest in and why? Fixed Income Mutual Funds: 1) Money Market Fund 2) Corporate Bond Fund 3) Municipal Bond Fund Also what would you invest in?
investing money in a bank for 3 years with fixed rate and spend the income on my daily living ? the fixed rate is more than the unfixed,i need the money to spend on my living and my kids needs,as my work is not permanent,my husband salary is not enough.
If i invested in Inflation Protected Fixed Income (8+ years), is it guaranteed? that i will receive a high return at maturity date because it protects against inflation and pays at a fixed rate? thanks in advance! assuming that i invested 10 000 dollar and more in it
I am invested in fixed income funds as well as equity funds. My broker rebalances my portfolio once a year.? This rebalancing occurs in December of each year. I also have an amount in a cash account with this financial advisor. With my equity fund balance being steadily eroded in this current market, should I ask that everything be placed in cash and fixed income until the roller coaster subsides -- or, should I just wait it out? How flexible are financial advisors about doing a mid-year rebalance if you contractually agreed to a once a year rebalance? Since I'm a neophyte, will I lose additional money if the current equities are sold at a deflated price in order to be moved into cash or fixed income? Is this a reasonable request, or will I incur additional fees -- I currently pay on a quarterly basis the total of 1.5% of my portfolio annually.
Now that bond prices have went up what should a young income investor do? Got an inheritance and want to invest it for fixed income so I can have a few extra grand a year to help pay for living expenses because I am still in college and going to grad school. Now that bond prices just went up, what should I do?
Im looking for a good book on bonds or fixed income assets? Basically Im tired of losing money in the stock market. I have some cash to invest now and am wondering where I can stash USD 500'000 for 6mo. - 5 years and get 4-5% relatively risk free return on investment. Would be nice to preserve assets and put some stability in my normal trading portfolio. Any tips on what to look at or any book you can recommend. Thanks in advance, Erik
Advise about Permal Fixed Income Holdings N.V (10 Points)? I've invested some money on Fixed Income Holdings and I have already lost $20000 in 9 month and I'm really confused right now, is it better to withdraw the money or leave it?? Give me some advise please!!My financial adviser told me that I will see good results in or about 4 years but I'm afraid to loose it all. I will give the best answer 5 star
POST RETIREMENT FIXED INCOME? I am 48 years old and I am going to retire after 12 more years from now.How,where and how much should I invest to get a MONTHLY FIXED INCOME OF RS.20000 P.M.
U.S. subprime mortgage affect on fixed income securities? Assuming that now is the end of Aug. 2007. You are the manager of a pension fund that invests about 70% of its asset in high-grade long term fixed income securities, 20% in blue-chip stocks, and 10% in money market instruments. Please explain the effect of the current market turmoil on your portfolio.
India- Fixed Income Portfolios? List some advantages & dis-advantages of investing in Rated Bonds with reference to FDs with Banks/ Corporates in the INDIAN context in term of absolute yields and pattern of interest rate volatility and frequency of change over the last 3 to 5years. FIXED INCOME PORTFOLIO SPECIALISTS ONLY PLEASE !!
Looking ahead to retirement, you sign up for automatic savings in a fixed-income 401K plan that pays 6%? per year compounded annually. You plan to invest $3500 at the end of each year for the next 20 years. How much will your account have in it at the end of 20 years? $130,520 $127,207 $128,750 $130,048
Long Term Fixed Income Indicators? What can a Company in Emerging Markets learn by taking a small exposure by investing in Zero Coupon Bonds for long term < 8years.What economic parameters/indicators can the bond's annual returns & price variations provide to address Corporate planning & activities.The Bond is denominated in US$ & Offshore.
Is credit card interest tax deductible if you put the money on the credit card towards investments? For example, if I used a cash advance to 1. buy stocks, 2. invest in bonds/fixed income assets 3. "refi" my personal mortgage 4. buy investment property or any other situations where credit card interest is tax deductible? Thanks for all you responses. Just to clarify - Say I borrow $100 from my credit card at 10%. I owe $110 at the end of the year. I put this same $100 into a stock (or some other investment). It goes to $120 and I sell, gaining $20. 1. Do I have to pay taxes on $20, or $10 ($20 gain minus $10 interest)? 2. If I didn't sell, can I deduct the $10 interest against my other income?
Can anyone reccommend any websites that are useful for INVESTING??? Hi Friends, I am new to the Business of investing. I would like to begin investing in equities (stocks and shares) as well as fixed incomes (bonds). Can anyone reccommend any useful websites, hints n tips, books etc for somebody like me who is completely new to the business but is 100% determined to be successful at it. Thanks Friends.
Monthly income from investment? I want to invest to get a fixed monthly income.What could be the best option?Do mutual funds help me or any fix deposits.
My fixed CTC is INR 350000 p.a. from January2008, Please tell me the probable income tax I will have to bear.? My salary details per month: Basic-22500; HRA-4860; Conveyance-800; Medical remburcements-1000; I pay LIC premium of 1925 p.m. & House rent 4000 p.m. & planning to invest INR 2000 p.m.in mutual funds. Please let me know the Income tax p.m.
What is the safest way to invest a lump sum of £300,000to produce the best or safest income from this amount? Was thinking of fixed rate term bonds, but received a reply saying that the principle amount may not be available when the bond period is completed. Looking for a very safe method of producing an income but with no risk to the invested capital amount.
About the investment in Fixed income mutual funds? Dear sir I want to invest 50000 in fixed income mutual funds for one year. Suggest good mutual funds to invest . What will be the yearly return
monthly income of indian rupees 30000 per month.Wish to know about the scheme.plan,project in which an invest? ment of one time premium can provide me a fix income of indian rupees 30000.I would like to have information on LIC.,SBI based plans preferably.
I would like to START INVESTING??? I need HELP??? Hi Friends, I am at that age where I should start investing. I am completely new to the field so I would be grateful if some one can please give me help and guidance: Where and how do I start out? What first actions do I take? What do I plan for? that kind of thing. Ideally I would like to invest in equities (stocks and shares), fixed incomes (bonds), property etc. I realise that I won't be able to do all this straight away. I realise that a journey of a thousand miles begins with one step. If someone has any useful websites, books, etc that would truly be perfect. Thanks friends
If you won the lottery, what would be the best way to invest this to live off the interest? I've played around with this scenario (as I'm sure many other have): say you win the lottery. What would be the best, and most stable, way to invest this so that you could live off a steady, fixed residual income based on the winnings, WITHOUT spending any of the winnings? So say the reward was $1,000,000... is there a steady investment that would guarantee you 5% (so roughly the same as making $50K a year pre-tax). Any thoughts about this? What would the best investment scenario be for a situation like this? (and the irony is, I never play the lottery... but it's still fun to speculate)
Stock market nightmare? I've been investing in the stock market for the past seven years. This has been a horrific year for investors, and my portfolio is down 40%. I will not need the money for about 15yrs. should I stay in the market or sell? I'm invested in fixed income and mutual funds. The fixed income part of my portfolio has been holding ground, but the mutual funds have taken a hit. Your thoughts?
what is the best way to start taking out from the 401k savings? i retired early,due to lay off situation,by the age of 64,in 2007.i have my ira acct,which was roughly $42000/-now it is $35000/- due to market fluctuation,it is invested in a very conservative fixed income portfolio.once it was down to $26000/-but now it goes few thousand down and then few thousand up,since i can not afford to contribute,it will be very slow growth but next year i want to start taking out,what will be the best way and how much i should take out to be the lowest tax braket for the tax return.my yearly total income is $8136 only.can it be ok to take out 10 to 12 thousand yearly till finish from the ira account.so with $8136+12000=almost $20,000 yearlywill be estimated incomefor the tax purpose,how much tax i have to pay if my total income from all source will be only $20,000/-. i wanted to take out all but ,heard that i will loose too much in tax because the income will be higher.please give me the exact and solid answer only from the income tax profetionals.no guess. yes i am single (widow).this year my total income from jan/2007 to dec/2007 will be only $8136/-no cd no other income or dividen.may be a check of $600/-, i heard we all are going to get soon,by mail.do i have to pay the incometax on that. remember the money i have in my ira is pretaxed.what ever i contributed during my job,was not taxed and then whatever employer contributed ,that got acumulated which i rolled over to ira by trowe price.does it make any differance in your answer to my previously answer by you.
A renowned mathematician recieved a 60,000 bonus to accept a tenured professorship? at a university. She invested part of the bonus in fixed income securities yielding 6% annually. The rest of the bonus money was invested in a high tech startup expecting to yiels 30% annually to its investors. How much was invested in tech business if she expected to earn 12240 annually from investments?
Ang, bakar and chandran are friends and they have just graduated from a local university.? Ang works with a starting pay of RM 2000 per month. Bakar is a sales executive whose income depends solely on the comission he receives. He earns a comissions of RM 1000 for the first month and his comissins increases by RM 100 for each subsequent month. On the other hand, Chandran decides to go into business. He opens a cafe and makes a profit of RM 100 in the first month. For the first year, his profit in each subsequent month is 50% more than that of the previous month. In the second year, Ang receives a 10% increment in his monthly pay. On the other hand, the commission received by Bakar is reduced by RM 50 for each subsequent month. In addition, the profit made by Chandran is reduced by 10% for each subsequent month. (i) fond the total amount each of them will reci=eive after three years. (ii) compare and comment on the differencs in the interest received. If you were to invest RM 10 000 for the same period time, which fixed deposit account would you prefer? give your reasons?
Do I need to pay TDS on Fixed Deposit interest? i am a software engineer and currently located in USA for the work assignment, I have a savings account with one of private bank in india. Now I am planning to Invest money in Fixed Deposit through the same bank, Currenly, I am just getting the US salary only and have no source of income in india. Now If i invest in FD, do i need to pay any indian taxes? Also what are the other options i can look for the investment. Please advise/suggest.
What are some good bonds to invest in? I am preparing my portfolio analysis for my investments class, and I have decided to invest 20% of my capital in bonds for the fixed income asset class. Does anyone have any bond recommendations & if so, why? Thanks!
What different investment strategy would a 22yr old use versus a 65yr old? I'm guessing a young person would have longer to invest, so they would want mainly equities which have a higher rate of return over-time than fixed-income assets. What would a soon-to-be retiree want to invest in? Please help me expand on these ideas. Thanks!
What are the Best Mutual Funds? I want to invest 2000 dollars in a mutual fund with additional investments of about 100 dollars. What would you consider to be the best with low fees? I am very young so I can take on risk. I would be interested in fixed income i.e. corporate and gov bond funds, U.S. equity funds, or foreign funds. Also, in general, what is the best fund family?
What is the impact of joint holdings of Fixed deposits and Bank accounts etc? My wife's name was added as a joint holder of the bank account of my son when he went abroad for further studies to facilitate giving instructions to the bank. My son had earned income from Employee stock options and invested them in mutual funds instruments connected with this account. To finance his studies he slowly liquidated these funds. All transactions have taken place through the bank account. By virtue of being a joint account holder is my wife also liable for any taxes on the gains from these mutual fund instruments?
I would like to invest in the market but I do not know anything about. I check some options at Bank of America They offer mutual funds, etfs, fixed income accounts, stocks, etc. Can someone with a real amount of experience what kind of investment would fit me well if I do not want to spend that much money? Any help will be highly appreciated.
14 year old interested in Investing. Do mutual funds work? Hey guys, Im wondering if a Mutual Fund is the thing for me. TD Bank (in Canada) looks very promising, but very complicated as well. Right now, I have about $1,500 and my younger brother has about $4,200, both of us are thinking of doing a joint-account, but not on paper (because you have to be the age of majority). So instead, my father will register our "Non-Registered" account in TD bank for us, and when we want to stop, we will split the money by original investment percentage (If it does go through ,then both of us have put in $5,700, me being propetier of about %26.31 of the investment, while the scrooge, my brother, will be owning about %73.68 of it. Are there any other types of Investments that will probably work for me? Im looking for medium/high income from the Fund/Bond. Please excuse my retardedness in Investments :P, but whats the type of investment that has a fixed annual rate of income (no risk at all) like a 8% annual growth but your capital isnt exposed to risk ?
How is Prudential ICICI Principal Protected Portfolio II to invest on? Comments: 1. They guarantee the capital invested 2. Invested amount will be exposed to the Indian Stock market and Fixed Income 3. Lock in Period is 5 years 4. Expected minimum return is 10-15 pct.
2nd question for IOE engineers? An investor has $ 30 to invest amongst 4 fixed income securities. He can buy these securities in unit amounts (like 1 units of security 1, 1 unit of security 2 etc.). The table below gives the value of each security at the end of year one. This investor wants to find how much he is to invest in each security so to to maximize his wealth at the end of the year. _____________1 2 3 4 Cost of one unit 8 4 14 12 Year end value 10 7 16 10 please solve by using total enumeration. I would also appreciate it if you could show your work and explain it. thanks iin advance!
Credit card debts of £ 28.000 - no opportunity to pay - whats now? How to settle? Hello, we had a few credit cards over last 2 years , total amount of still outstanding balance is about £ 28.000. We had our bad luck with running a small business - investing in stock which hasnt worked out - partially lost, partially it has arrived broken etc. Over last 1.5 year we have been paying all cc companies on time etc but now we cant anymore. We are both self-employed and dont have any fixed income . So - what to do? We dont care of credit history ,but we have amortgage which we are paying so - any advise how to settle all that down?
Fax machine or multi use printer < what should I buy ? Hi, I do these merchandising jobs and they keep wanting me to fax stuff to them and it costs like $1 a page at Staples. Since I'm doing more and more of this at narms.com Do you think I should buy what my friend suggested, a multi use printer that faxes and much more ? OR ///// ??????? fixed income, but willing to invest
How can the capitalist system remain stable without redistribution of wealth? It's very well known that it's easier to make money when you already have a lot of it. For someone with a net worth of $50 million, it's easy to have an extremely comfortable life by just sitting back and investing in investment-grade fixed income securities - you collect millions of dollars in interest payments, and can just as easily continue increasing your fortune with no risk and no effort. For someone starting out at the bottom though, it's become very difficult just to advance to middle-class status. Even if you're incredibly smart and have an innovative idea for a business, securing the capital necessary to get it running is nearly impossible, at least without toiling away for years and years, working in comparatively unproductive menial jobs. Despite the social and moral problems with allowing such a neo-aristocratic society to develop, the inherent nature of unfettered capitalism presents us with economic problems as well. In the example above, it is highly uneconomical for the idle beneficiaries of a large inheritence to consume society's resources without taking any risk or exerting any effort. Likewise, it is highly uneconomical to make a bright, innovative person born into poverty toil away at Wal Mart. Would it not be far better economics to tax the idle holder of idle capital, not to give the smart, poor person a handout, but to invest in them (i.e., providing low-cost education), allowing them to advance in economic and social status, and therefore realize their potential to the benefit of all? Structurally, there's also the problem of wealth concentration. As more and more wealth is concentrated into the hands of fewer and fewer people, much of our economic output is devoted to "managing" their wealth - in practice, this means loaning it out to businesses (which is somewhat productive) and consumers (which, in the case of things like credit cards, is often wholly unproductive). Not only is this uneconomical, but eventually, if those at the bottom do not have the playing field leveled in their favor somewhat, we reach a point in which all "production" centers around kicking an ever-increasing share of the society's income up to the idle creditors at the top. Left unchecked, this inevitably leads to a total economic collapse (i.e., what's happening now), as business doesn't have enough customers financially able to buy their products. In other words, as the working classes become more and more heavily indebted, the people at the top hold the claims on so much of workers' income that they can't consume enough to warrant current levels of production, so economic output must fall. So then, how can the capitalist system continue to be productive without government action to ensure that the ratio between work and reward remains at least somewhat equitable? Along the same lines, those who favor letting this concentration continue cite two objections - first, that of wealth creation. Of course new wealth can be created, but what is there in the laissez-faire paradigm to ensure that the gains won't simply be sucked up by those at the top? They necessarily control capital allocation. Second, they often object on moral grounds, saying that it's immoral to "take" from the upper classes to invest in the lower. Now, I think this objection has some merit, but on the other hand, if what's being "taken" are just paper assets and they're left with more than enough to maintain their lifestyle, is anything really being taken at all? For the most part, it's really just an accounting adjustment - there's no material effect to them - to ensure the durability of the system, is it not? Simian, You make a valid point. You are correct that if too much is redistributed - especially, possibly exclusively, if it is merely handed over - the incentive to produce at all disappears. I don't think anyone would dispute that. However, looking on the other side of this, surely there's a point wherein too much wealth concentration causes systematic problems, no? I mean, capitalism functions though finance and accounting, and those have to operate within certain mathematical limits. What I'm saying, in mathematical terms, is that in the system without redistribution, the share of income going to those at the top increases geometrically approaching a limit of infinity. However, for obvious reasons, the material limit is 100% - and in practice, it is far lower still. Once we get to whatever the practical limit is, physical production cannot continue, as the accounting/math of the thing cannot deal with such a high degree of concentration. "Your follow up under your question is way too long to read." Imagine how I felt writing it! It's really not my fault that reality can't always be expressed in soundbytes, however. "'Redistribution of wealth' is socialism." Actually, socialism is state control of wealth. Redistribution proper necessarily occurs within the strictures of the capitalist system. "With free enterprise, everyone has an opportunity." They do in theory, but do they in practice? For instance, in the US, a poor black student with straight A's in high school is much less likely to finish a 4-year college degree than a rich white C-average student. Call me crazy, but I don't think this is the "meritocracy" that capitalism is supposed to embody. What I'm asking is, IN PRACTICE, is some redistribution necessary for the theoretical potential of the capitalist meritocracy to be realized? For the last time, I AM NOT ADVOCATING FOR SOCIALISM, CENTRAL PLANNING, or anything of the sort. I agree that socialism proper does not and cannot work. However, it seems to me that totally unfettered capitalism is every bit as impractical. Indeed, is there even a single example of the "pure" form of any ideological system EVER existing, much less working, in practice? Not to my (quite extensive) knowledge. Mo Fayed, "Tax-and-spend socialism" is a contradiction in terms. Under socialism, the state owns all income-producing property, so there is no need for taxation at all. Mark M, The United States experienced its most rapid economic growth and development when the tax rate on the wealthy was a staggering 91%. Your claim is historically and materially false.
A renowned mathematician recieved a 7000 bonus to accept tenured at a university. She invested part of the? bonus in fixed income securities yielding 10% annually. The rest of the bonus money was invested in the high tech startup expecting to yield 32% annually to its investors. how much was invested in the tech business if she expected to earn 19320 annually from her investment
Is this idea right of morgaging flat and buy new flat and give old flat for rental ? I am Indian and American citizen planning to morgaged my Flat with bank and take a loan and invest in new flat, I would also like to rent the premises because It will create a fix income and I can pay bank interest for every month and can also Retain property because its value in future is obviously going to appreciate looking at the present market conditions. I am looking for a good lawyer for the same. What type of risk are involved in these type of transactions ?.
What is the best place to borrow money for investment with low interest, flexible and fixed payment? I began building credit for a year now. I havent had done anything to compromise my credit. I have a permanent job, I'm working as a full-time nurse, so is my wife. What does it take to be able to borrow huge amount with low interest and flexible payments. I want to invest on rental property so i can use the rental payment to pay the loan partially or fully. my goal is to generate an income out of the property. thanks in advance for your response.
I have a business idea that I want to get some feedback on.? I am thinking of borrowing money from either a financial institution or private lenders; and taking that money and investing it in some sort of fixed-income investment such as a bond or C.D. I would make money by profiting from the spread. An example, I borrow money at 6.5% and invest it in a bond at 8.75%. The difference of 2.25% between the loan and the bond, would provide me with a nice cash flow. The advantages of this business model is that I assume no risk, since all money used is borrowed. Unless the bond issuer defaults, the math works out to a "T." What potential pitfalls do you see? Do you have any modifications? What are some areas that I am overlooking? Do you know of any articles that I can read that would enhance my understanding of borrowing or lending money? All constructive criticism is welcome.
Dear Friends : Can any body impart me about the investment schemes which is safely running in Mumbai.? For Example : City Limouzines India Ltd. : Own a car & earn monthly fixed income for five years. Invest 1lakh rupees & get paid 10,000 for 60months (Is such schemes are safe for investment)? Please help me…
Where to invest 10k for short term? I am looking for a place to invest 10k for the short term. I need an investment that might earn about 6 to 7% annually, but it doesn't need to be fixed income. Something with low risk such as A Money Market Fund or Bond Fund. I have this money sitting in my ING account and it's earning about 4.5% right now, but I'd like to do a little bit more with it. This is our so called "emergency fund" so I don't want to take alot of risk with it. I already have seperate investment and retirement accounts that I am taking a bit longer term approach with.
It is estimated 29% of all adults in United States invest in stocks and that 87%? It is estimated 29% of all adults in United States invest in stocks and that 87% of U.S. adults have investments in fixed income instruments (savings accounts, bonds, etc.). It is also estimated that 25% of U.S. adults have investments in both stocks and fixed income instruments. (a) What is the probability that a randomly chosen stock investor also invests in fixed income instruments? Round your answer to 2 decimal places. (b) What is the probability that a randomly chosen U.S. adult invests in stocks, given that s/he invests in fixed income instruments? Round your answer to 2 decimal places.
a renowned mathematician recieved a 60,000 bonus to accept a tenured professorship at a university.? she invested of the bonus in fixed income securities yielding 6% annually. The rest of the bonus money was invested in a high tech start up expecting to yield 30% annually to it's investors. How much was invested in tech business if she expected to earn 12240 annually from investments
Investment Allocation for 2008 - Need Advice? I need help determining my correct allocation. I have about 60K in a work 401K plan. Before last years election I took some gains off the table and invested 20K in cash and fixed income. The rest of my portfolio is split evenly amount smal caps, growth, and Foreign Investments. I have two questions. Assuming we get a bounce and the Dow holds at 12K is now the time to move money from cash into equities? My second question is at age 30 what should my target allocation be for 2008. How much in value, growth, and etc.. Any answer will be appreciated.
in what to invest 1000 dollars for1-2 years? in what will you suggest to invest 1000 dollars for 1-2 years?no stocks please,i want something like CDs or fixed income?
Senior Citizen Investment Strategies? I have a mom who didn't plan that well for retirement. She is now 80 years old and living off a fixed income from some money her father left for her, which isn't very much. I am trying to find articles or non-biased advise as to what types and approach she should use to invest this money. Does anyone know of a good website(s) I can direct her to so that she can get educated?
Are "exchange-traded debt securities" superior to money market accounts? My dad, now retired, is looking to live off his nest egg, worth somewhere around $1 mil. He has been satisified for the most part with his no-risk money market account, grossing him $50,000 a year, but what about those exchange-traded debt securities? Some of them (the lower rated ones) yield as much as 6 to 7.5% annually. What are the risks associated with these financial instruments, and approximately how often does a BBB-rated fixed income security default? Can my dad safely & confidently invest in these securities? Thanks for your help!
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