Personal investing

Topic overview. Based on 33453 on-topic pages. [personal-investing directory]

Significant concepts: infoinvestment strategy, lose money, no bank guarantee future, long-term financial, financial planner, past performance, money journey, index fund, long term, fund investment, not fdic may lose, bond fund, way to invest, financial decision, international stock.

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mutual funds28422.38

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My 12-Step Financial Freedom Checklist
Nevada State Bank - Financial Education - Protect Yourself from Overdrafts
Diversification thru Allocation - Can I Retire Yet?
Student Loans | Citizens Bank
Personal Finance, Money Management & Budgeting - Quicken 2018
Passive vs. Active Investing: Will We Ever Learn? - Can I Retire Yet?
MD Retirement Financial Planner President - Wealthcare Financial Group
Intrinsic Value and Its Relationship to Margin of Safety - Arbor Asset Allocation Model Portfolio (AAAMP) Value Blog
Nevada State Bank | Financial Planning
My Banking Direct Increases Money Market APY

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My 12-Step Financial Freedom Checklist
Portfolio - Betterment for Advisors
The Adaptive Markets Hypothesis: A Financial Ecosystems Survival Guide | CFA Institute Enterprising Investor
Pros and Cons of REIT Investments - How to Build Real Estate Wealth
Vanguard Personal Advisor Services | Vanguard
#129 - How to Avoid the Trap of Emotional Investing, with Dr. Daniel Crosby - Roger Whitney
Best Asset Allocation Investing Age Risk Tolerance
The Fund | Dividend Cashflow
TFSA vs RRSP: Which one is Better for You? Updated for 2017
Investors Group Review - Updated for 2017

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Random 'personal investing FAQs', may be related to more specific topics, not general personal investing topic.



Q: What is a prospectus?
A: A prospectus is a formal legal document that is required by and filed with the Securities and Exchange Commission. A prospectus provides details about an investment offering for sale to the public.
Q: How can I obtain a prospectus?
A: 1. Sign in to your account
2. Navigate to your fund list
3. Click on the fund you want the prospectus for
Q: What is a trading day?
A: A trading day is the time span that a particular stock exchange is open.
Q: What is a fiduciary?
A: A fiduciary is an individual or entity that owes a duty of care and loyalty to another party and is entrusted with that party's property or financial interests.
Q: What is a stock?
A: A stock is a share in the ownership of a company. You buy or sell shares of stock with the help of a licensed brokerage firm.
Q: What is a bond?
A: A bond is a fixed income investment in which an investor loans money to an entity (typically corporate or governmental) which borrows the funds for a defined period of time at a variable or fixed interest rate. Bonds are classified by their credit quality, duration, and type of interest rate.


Q: What is the minimum investment balance?
A: The minimum balance in your HSA that must be reached and maintained before you can begin investing or make additional investment purchases is $2,000.
Q: What happens if I drop below the minimum?
A: If you are planning to invest your HSA funds, be sure to check with your HSA provider to see if they have a minimum balance requirement for investments. Many HSA providers will not allow you to invest your HSA funds unless your account balance exceeds a certain amount.
Q: What is the Dow?
A: The Dow Jones Industrial Average is one of the most well-known stock market indices, created by Charles Dow to measure the daily stock price movements of 30 large, publicly-owned U.S. companies.
Q: What is mobile check investment?
A: Mobile check investment is a free service that allows you to invest into your eligible accounts using the camera in your mobile device and a check that's made payable to Vanguard or at least one of the Vanguard account owners.


Q: What are the Electronic Consent Agreement and Trade Confirmation Waiver?
A: There are three key agreements that you need to agree to in order to open and maintain an investment account with Wealthfront: (1) the Investment Advisory Agreement, (2) the Brokerage Custody Agreement, and (3) the Cash Account Agreement.
Q: What are recurring transfers and their benefits?
A: Yes, you can set up recurring transfers from your HSA to your checking account. However, you will need to make sure that you have enough money in your HSA to cover the minimum that you set for the transfer.
Q: How do I set up recurring transfers?
A: To set up a recurring transfer, sign in to your account and enter the threshold dollar amount you want to be applied to your recurring threshold. When your HSA balance exceeds that threshold, money will be swept out in $100 increments to your investment account and be allocated per the elections you have set up for investments.


Q: How often can I change my investment elections?
A: You can update your investment options once per trading day.
Q: How long before I can see my transfers in my investment account?
A: If you enter a buy order before 4 p.m. ET, it will be settled the next trading day.
Q: How do I sell back to my HSA?
A: 1. Log in to your account

2. Go to the "Transfer" tab

3. Select "HSA" as the account to transfer from

4. Enter the amount you wish to transfer

5. Click "Submit"
Q: How often can I sell back to my HSA?
A: 1 transfer per day per fund.
Q: How often can I transfer from one investment to another?
A: Only one mutual fund transfer is allowed per day.


Q: What is financial planning?
A: Financial planning is a process that helps you figure out where you are financially today, where you want to be in the future and then helps you determine the best way to get there.
Q: What is comprehensive financial planning?
A: Comprehensive financial planning is an in-depth analysis of your overall financial situation in order to create a plan that meets your specific goals.


Q: How are the funds selected?
A: The RIA has chosen a selection of funds that span the risk spectrum from conservative to aggressive, and these funds are reviewed and adjusted quarterly. The fees for the selected funds are typically average or below average.
Q: Where can I get help deciding what funds to choose?
A: You should use the information in each fund’s prospectus to help you decide which funds are right for you. The Optum Bank asset allocation calculator can also help you determine what funds to choose. However, it is always important to discuss investing your HSA with your financial planner.
Q: What are digitally managed investments with Betterment?
A: Betterment is an online financial advisor that helps you invest your money in a way that is tailored to your goals. When you need to use the money in your HSA for eligible medical expenses, Betterment automatically sells the right investments so that you can access your funds without having to choose which investments to sell.
Q: What are mutual funds?
A: Mutual funds are large portfolios of investments managed by an investment professional, and each investor owns shares.
Q: What are exchange trade funds (ETFs)?
A: ETFs are a type of security that tracks an index or underlying assets. They are becoming more actively managed.
Q: What is a mutual fund?
A: A mutual fund is a type of investment that allows you to pool your money with other investors in order to buy a variety of securities. This gives you diversification and professional money management at a low price.


Q: What is diversification in investing?
A: Diversification is a risk management strategy that seeks to minimize losses by investing in a variety of assets.
Q: How do I get started with investing in the stock market?
A: You would need to decide if you want to choose stocks and bonds yourself or have someone manage it for you. If you want to find a professional advisor to help you, you’ll want to consider a few factors –

-What type of investor are you?
-What are your investment goals?
-What is your time frame for investing?
-What is your risk tolerance?
-How much money do you have to invest?
Q: Why does the stock market go up and down so much?
A: ;

Stock prices are volatile. There is no one theory to explain the volatility. A few factors that influence the fluctuations in stock prices are –

1) Market Sentiment

2) Macroeconomic Factors

3) Company-Specific Factors

4) Technical Analysis


Q: What is risk tolerance?
A: Risk tolerance is a measure of the degree of uncertainty that an investor is willing to accept with respect to his or her investment strategy.
Q: What is risk tolerance and how do I figure out what mine is?
A: Your risk tolerance is the amount of market risk or market ups and downs you are willing to tolerate. Your risk capacity is how much risk you can financially afford to take.


Q: What types of accounts are eligible?
A: Many brokerage accounts are eligible for mobile check deposit, including managed accounts. Eligible accounts include: individual, joint, partnerships, corporations, Traditional IRAs, Roth IRAs, SEP IRAs, Rollover IRAs, trusts under will, UGMA/UTMAs, and foundations.
Q: What types of checks are accepted?
A: Personal checks
Cashier's or bank checks
Certified checks
Federal Reserve checks
U.S. Treasury checks
Business checks
Vanguard issued checks

Types of checks we don't accept:

Checks made payable to cash
Altered checks
Checks in a foreign currency or drawn on a foreign bank
Post-dated checks
Stale-dated checks (generally, checks dated more than 180
Q: What if the check isn't accepted or is rejected?
A: We'll let you know if there's a problem with your check submission.</span></p></div></div></div></div></div></div><div class=".


Q: How often will the advisor be available for your questions and phone calls?
A: Some advisors have a minimum initial investment, which can vary depending on the advisor.
Q: When will the check be posted to my account?
A: If you make a purchase request on a business day before the close of regular trading on the NYSE, the trade date for the purchase will be the next business day. If you make a purchase request on a business day after the close of regular trading on the NYSE, or on a non-business day, the trade date for the purchase will be the second business day following the day Vanguard receives the purchase request.
Q: When will the funds be available?
A: You can only invest in mobile checks if you have a US bank account and a Social Security Number.


Q: How do I add money to my Schwab Intelligent Portfolios account?
A: To set up a recurring deposit, log in to your account and choose Transfer Money. Select an existing account or add a non-Schwab account for transfers. To add a new account, you'll need your routing and account number. In addition to making a one-time deposit, Transfer Money is also where you can set up a recurring deposit.
Q: How do I enroll an existing Schwab account into a Schwab Intelligent Portfolios account?
A: To enroll an existing Schwab account into Schwab Intelligent Portfolios, visit, log in, and select “Enroll an existing Schwab account” from the account enrollment page.
Q: How do I add a beneficiary to a retirement account?
A: 1. Log in to your Schwab account
2. Go to Service > My Profile > Beneficiaries
3. Here you can manage your beneficiaries for your eligible accounts
Q: How do I add a beneficiary to a taxable, non-retirement account?
A: To change your designated beneficiary, log in to your Schwab Intelligent Portfolios account and complete the Designated Beneficiary Plan Application. You can return the form online, by fax, by mail, or in person at a Schwab branch. If you have any questions, call 1-855-694-5208.
Q: How do I start creating my Schwab Intelligent Portfolios Premium plan?
A: You can use the online planning tool to help you identify your goals and see the potential impacts of your choices.


Q: What are the fees charged for my transactions?
A: No fees for investing, but mutual funds may have fees.
Q: How does it work?
A: You can deposit checks by taking a photo of them using your iPhone or Android device.
Q: What happens to the paper check after it's been submitted?
A: Save the checks for 14 business days or until you've confirmed that they have been successfully credited to your account.
Q: How long does it take for transactions to settle?
A: It can take up to five business days for a transaction to be processed.


Q: What is asset allocation?
A: Asset allocation is how you spread your money across different asset classes.
Q: How often should I check on my investment portfolio?
A: Review your portfolio twice a year and meet with your investment advisor once a year.
Q: How do I change my portfolio asset allocation?
A: If your goals are long term or haven't changed, it's a good idea to stay the course. However, if you still want to change your portfolio allocation, you can review and update your portfolio by retaking the questionnaire online.


Q: Why should you create a written financial plan?
A: A financial plan is a map to your financial future that helps you achieve your financial goals.
Q: How should I prepare for my appointment with a CERTIFIED FINANCIAL PLANNER™ professional?
A: You should bring any documents that are relevant to your financial situation, including investment account statements, recent pay stubs, recent tax returns, employee retirement account information, and social security statements. You should also bring any information on life insurance policies and estate planning documents.
Q: What should I expect during an appointment with a CERTIFIED FINANCIAL PLANNER™ professional?
A: A CFP will review your information and goals and help you create a plan to achieve them. You will have an initial meeting that lasts about an hour, and then check-ins as needed.

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