topic Re: How to start investing in Investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7470#M138 <P>I'm in a similar boat, not too familiar with investing, just saving. Would love to see some more ideas on where to start, and what to look out for from those who have been there!</P> Fri, 16 Nov 2018 17:06:31 GMT _brian 2018-11-16T17:06:31Z How to start investing https://ttlc.intuit.com/community/investing/discussion/how-to-start-investing/01/6965#M135 I am just starting out and have a pretty decent credit score. I’m also starting save up some money but I like to plan ahead. What are a few things you guys would suggest to start investing? What should I look for? Sat, 27 Oct 2018 01:17:15 GMT https://ttlc.intuit.com/community/investing/discussion/how-to-start-investing/01/6965#M135 Needurwisdompls1 2018-10-27T01:17:15Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/6966#M136 <P>Rule #1 - Do not invest what you are not willing to lose</P><P>Rule #2 - Consider all monies invested as lost, permanently and forever, within the first minute of having made said investment</P><P>Rule #3 - Other investors do not give you tips for "your" benefit. They do so for their own benefit. It's the name of the game.</P><P>Generally I myself only invest for the long term. I don't "play the markets" because I'm not yet that rich, and probably never will be. I find three types of mutual funds to be right for me. I invest equally in growth funds, growth and income funds, and about 15-20% of invested funds into foreign markets. Make google your best friend, and do your homework to learn about this stuff. Don't rely on other's to "educate" you for your benefit. They're not going to.... but they will lie to you about it. That's why they're so successful at it.</P> Sat, 27 Oct 2018 02:21:08 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/6966#M136 Carl 2018-10-27T02:21:08Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7463#M137 <P>Educate yourself. Asking questions is a great first start!</P><P>&nbsp;</P><P>I think one of my favorite starter guides is "If You Can"&nbsp;<A href="https://www.etf.com/docs/IfYouCan.pdf" target="_blank">https://www.etf.com/docs/IfYouCan.pdf</A></P><P>&nbsp;</P><P>It is meaty, but full of sound advice that is focused on helping one person, and that's you!</P><P>&nbsp;</P><P>Good luck!</P> Fri, 16 Nov 2018 15:17:12 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7463#M137 dsjohns 2018-11-16T15:17:12Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7470#M138 <P>I'm in a similar boat, not too familiar with investing, just saving. Would love to see some more ideas on where to start, and what to look out for from those who have been there!</P> Fri, 16 Nov 2018 17:06:31 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7470#M138 _brian 2018-11-16T17:06:31Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7613#M139 <P>I would agree with most of what has already been said, but let me add a bit of practical advice as well. As a first time small investor you should be investing in a broad range of equities across most economic sectors. The most practical and least costly way of doing that is to invest an an Exchange Traded Index fund&nbsp;(ETF), something like the and&nbsp; S&amp;P 500 index ETF or the total stock market ETF. For example, and only for example,&nbsp;<SPAN>SPDR S&amp;P 500 ETF (SPY), or&nbsp;Vanguard S&amp;P 500 ETF (VOO), or&nbsp;Vanguard Total Stock Market ETF (<STRONG>VTI</STRONG>), and similar products. Second, invest what you can afford to live without, but invest regularly (dollar cost average). Over time you will realize the benefits&nbsp;of the economy's growth, but there will be times when your investments depreciate. Just stick with it for the long run. If you have some money in the bank that you're not prepared to lose, but you'd like to earn some better interest on those funds, think of investing in Treasury bills. You can buy T-bills directly though a Treasury Direct account in amounts of a little as $1000, and it's simple to set up an account. Right now a 91-day T-bill is yielding&nbsp;about 2.4% and the investment is the safest&nbsp;in the world.&nbsp; The Treasury site is:&nbsp;<A href="https://www.treasurydirect.gov/" target="_blank">https://www.treasurydirect.gov/</A></SPAN></P><P>&nbsp;</P><P><SPAN>Good luck</SPAN></P> Wed, 21 Nov 2018 18:58:12 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7613#M139 DJS 2018-11-21T18:58:12Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/8209#M140 <P><LI-USER uid="12444"></LI-USER>&nbsp;I'm a big fan of 401k's - at least for companies that offer them like Intuit, we've got a great plan with some great index funds with great matching.&nbsp;</P><P>&nbsp;</P><P>And the earlier a person starts, the better. I was a big Motley Fool person many years ago, and the graph on this page really spells it out for me:&nbsp;</P><P>&nbsp;</P><P><A href="https://www.fool.com/knowledge-center/compound-interest.aspx" target="_self">https://www.fool.com/knowledge-center/compound-interest.aspx</A></P><P>&nbsp;</P><P>But, when I hear "I want to start investing", I always go to "investing for retirement". <span class="lia-unicode-emoji" title=":slightly_smiling_face:">🙂</span></P> Sun, 16 Dec 2018 05:29:56 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/8209#M140 lwdupont 2018-12-16T05:29:56Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/14698#M141 <P>I'd buy JL Collins' book "The Simple Guide to Investing." BEST BOOK I've ever read. Wish I'd seen it years ago.</P><P>It's basically a homage to the John Bogle method but simplified:</P><P>a) buy index funds that invest in the entire market ("why find try to find a needle in a haystack? buy the entire stack!")</P><P>b) make sure the funds are VERY LOW cost ones (below 0.1%) for their expense ratios... which is critical in the long run</P><P>c) determine your balance between stock and bond FUNDS (more stocks in your youth)</P><P>d) don't pick individual stocks (it's generally a losing game for most)</P><P>e) don't try to time the market (even experts can't do it)</P><P>THAT'S IT. Set it and significantly forget it (with only the occasion re-balancing of those ratios as you age).</P><P>The book is a terrific read.</P><P>&nbsp;</P><P>[P.S. - of course I'm referring to RETIREMENT investing. If you have money you are willing to lose and want to just "play" - there are oodles of ways to go. But in the long-term good ETFs are best.]</P> Wed, 20 Feb 2019 03:20:02 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/14698#M141 ThickAsABrick 2019-02-20T03:20:02Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/16819#M142 Send me in your direction I’m 45 And just getting interested didn’t think I ever would be able to Tue, 26 Feb 2019 04:36:17 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/16819#M142 Ashley27 2019-02-26T04:36:17Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/18727#M143 <A href="https://act.webull.com/i/AZPYBnFifYf1" target="_blank">https://act.webull.com/i/AZPYBnFifYf1</A> This is a good app for learning to invest. It has paper trading for practice, and when you're ready you can give it a shot. I've recommended to several friends who are in the same situation and they've been enjoying the education. Fri, 08 Mar 2019 17:31:34 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/18727#M143 Geerts83 2019-03-08T17:31:34Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/22004#M144 <P><STRONG><U>Invest?&nbsp;</U></STRONG> meaning its money your willing to lose....&nbsp;or save for your future?&nbsp;</P><P>If you want to save money for your future. Put it in a matched 401K associated with your job. Contribute your max each year, especially if your workplace matches it.&nbsp;</P><P>But dont&nbsp;stop there....&nbsp;Open up a Roth IRA, protects your money for the future, much higher yield than putting it in a savings account, and with companies like Fidelity, you can start by putting in as little as 50 dollars a pay period.</P><P>By the time you ready to, send kids to college, retire... go on a kick ass vacation? whatever. Youll have the funds from your IRA without having to dip into you daily accounts.&nbsp;</P><P>&nbsp;</P><P>Good Luck!</P> Fri, 05 Apr 2019 13:01:28 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/22004#M144 ANSWERS2 2019-04-05T13:01:28Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24095#M145 <P>Like many long-term endeavors, to succeed in investing you must “know thyself”</P><P>&nbsp;</P><P>That is to say, the better you know yourself, your own temperament and risk tolerance, the better chance you have of succeeding,</P><P>&nbsp;</P><P>A great way to determine your best long-term investment strategy is to take a short asset allocation/risk tolerance test at the following link: <A href="https://personal.vanguard.com/us/FundsInvQuestionnaire" target="_blank">https://personal.vanguard.com/us/FundsInvQuestionnaire</A><BR />This test will determine your optimal mix of stocks, bonds, and cash reserves.</P><P>&nbsp;</P><P>If practical, consider a disciplined dollar cost average approach which involves contributing a fixed dollar amount at certain intervals such as investing once a month in a 401(k). This strategy will have the effect of buying more shares when the market is down and fewer shares when the market is more expensive which will keep your costs low. In addition, you will have the great advantage of keeping emotion out of your investing.</P><P>&nbsp;</P><P>Wishing you all the best of good buys,<BR />Marketstar</P> Thu, 18 Apr 2019 21:51:44 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24095#M145 marketstar99 2019-04-18T21:51:44Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24882#M146 I honestly prefer long term savings plans. I was never very good at investing money off the bat. I reckon that there are a few funds that you could put your money into where the returns would be more balanced out, but decent way of growing your money. Anything would be better than just leaving it in the bank honestly. Make sure that you keep a decent amount of savings to cover any losses too! Mon, 06 May 2019 13:36:42 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24882#M146 N_Davidson 2019-05-06T13:36:42Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24883#M147 <P>I like your long-term asset allocation thinking- see the link in my above answer to get started.</P><P>&nbsp;</P><P>Good luck,<BR />Marketstar.</P><P>&nbsp;</P><P>PS You can still get 2-2.5 % with an internet bank (ie. American Express) or money market fund-not great, but getting better.</P> Fri, 17 May 2019 17:21:25 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24883#M147 marketstar99 2019-05-17T17:21:25Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24889#M148 <P>Internet banks at these rates are a good place to park money or as part of an asset allocation strategy. Care should be taken not to use them as a long term investment alternative for all of one's net worth because over a long enough time frame, inflation will take a toll.&nbsp;&nbsp;</P> Mon, 06 May 2019 19:34:40 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24889#M148 halpalms 2019-05-06T19:34:40Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/27703#M149 <P>Investing is a wide topic, I'm not sure which part are you interested in more. I concentrate on stocks and mutual funds study first, <A href="https://docsbay.net/how-to-get-started-investing-in-stocks-and-mutual-funds" target="_self">How to get started investing in stocks and mutual funds</A> is&nbsp;one of my favorite starter guides.&nbsp;</P> Tue, 28 May 2019 07:20:39 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/27703#M149 jeffguarino 2019-05-28T07:20:39Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/806785#M155 <P>There are many investment instruments for you to choose from. The most popular include:</P> <P>Stocks</P> <UL> <LI>A stock is a share of ownership in a company. Stock prices&nbsp;move based on investors’ evaluation of the company’s performance, including leadership changes, new product releases or how it’s doing financially.</LI> <LI>Companies issue stock to the public to raise money to grow or pay off debt. Stocks are also known as equities.</LI> </UL> <P>Bonds</P> <UL> <LI>A bond is essentially a loan to a company or government entity, which agrees to pay you back in a certain number of years. In the meantime, you get interest.</LI> <LI>Bonds generally are less risky than stocks because you know exactly when you’ll be paid back and how much you’ll earn.</LI> </UL> <P><STRONG>Mutual funds</STRONG></P> <UL> <LI>A mutual fund&nbsp;is a mix of investments managed by an individual company. When you invest, you don’t choose specific stocks or other securities; the mutual fund does it for you. The inherent diversification of mutual funds makes them generally less risky than individual stocks, but there are mutual funds&nbsp;available at all risk levels.</LI> <LI>Popular mutual funds include index funds, which follow the performance of a particular stock market index, and money market funds, which invest in short-term, low-risk assets.</LI> </UL> <P><STRONG>Exchange-Traded Funds (ETFs)</STRONG></P> <UL> <LI>An ETF is a basket of securities — stocks, bonds, commodities or some combination of these — that you buy and sell through a broker. They combine the diversification benefits of mutual funds with the trading ease of stocks and are available at&nbsp;various risk levels.</LI> <LI>Index funds are also common among ETFs — and they generally carry lower associated management fees than mutual funds.</LI> </UL> <P>&nbsp;</P> <P>Regards,</P> <P>Adrian</P> <P>Tax Consultant</P> Tue, 11 Jun 2019 17:29:53 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/806785#M155 AdrianG001 2019-06-11T17:29:53Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/823274#M173 <P>You need to be willing to take a huge risk which is involved with investments. Be prepared to lose what you invest. Thus, only invest a certain amount that you are willing to part with. That is the first main factor to consider and the rest will fall into place.</P> Wed, 03 Jul 2019 08:51:05 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/823274#M173 D_Hamilton 2019-07-03T08:51:05Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/825934#M180 <P>Money doesn’t grow on trees, it can grow when save and invest wisely. Knowing how to secure financial well-being is one of the most important things never ever need in life. In this <A href="https://docsbay.net/saving-and-investing" target="_self">saving and investing brochure</A>, will cover the basics on saving and investing.&nbsp;</P> Wed, 10 Jul 2019 03:36:09 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/825934#M180 jeffguarino 2019-07-10T03:36:09Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/842562#M195 <P>Everything you need to know starting out as a noob can be found here. <A href="https://www.investopedia.com/" target="_blank">https://www.investopedia.com/</A></P><P>&nbsp;</P><P>If you plan on "Social Trading" sites as I refer to then such as stocktwits or social wall street and yahoo beware of "pumpers" #1 Rule. Trade YOUR style of trading and don't chase bc of FOMO. You trade the trend and what is moving.&nbsp; Cut your losses quickly and let your winners run. Best of Luck!</P><P>&nbsp;</P> Mon, 19 Aug 2019 12:16:28 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/842562#M195 1LuckyGirl21 2019-08-19T12:16:28Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/858033#M217 <P>at ethraa, we provide the opportunity for investments. you can invest in&nbsp;solar financing and in renewable energy. for more details visit our site by <A href="https://www.ethraa-a.com/financing/" target="_self"><STRONG>clicking here</STRONG></A></P> Tue, 01 Oct 2019 10:35:56 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/858033#M217 harrygeorge 2019-10-01T10:35:56Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/967666#M257 <P>Check out the organization American Association of Individual Investors (<A title="AAII" href="https://www.aaii.com" target="_blank" rel="noopener">AAII</A>). They are non-profit, unbiased, and impartial. Buy a 1-year subscription and you will learn things.</P> <P>&nbsp;</P> <P>Beware of organizations like Motley Fool, who will make you pay for each bit of advice. They are in it for their own profit more than yours.</P> Fri, 20 Dec 2019 01:06:12 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/967666#M257 RocketJSquirrel 2019-12-20T01:06:12Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/969212#M261 <P>The following summary from the article “Investment Advice to a World Champ” by prominent investment analyst Dr. Steve Sjuggerud is not only great advice for beginners, but is also a good reminder to the more experienced:</P><P>&nbsp;</P><P>1. Nobody will care more about your situation than you, so never hand off your finances completely.<BR />2. There is no magic bullet or shortcut. (The "hot tip" doesn't exist.)<BR />3. If you don't understand it, don't buy it. (If it sounds too good to be true, it probably is.)<BR />4. Buy investments that are cheap, hated, and in the start of an uptrend.<BR />That's it. Remember these points, and take control of your wealth.</P><P>&nbsp;</P><P>Note: To help determine what is “cheap, hated, and the start of an uptrend” see bigcharts.com. Just type your ticker symbol in the upper left field, click “Draw Chart” and you will see past and current market direction.</P><P>&nbsp;</P><P>Wishing you all the best of good buys,</P><P>Marketstar</P><P>&nbsp;</P> Sun, 19 Jan 2020 20:50:30 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/969212#M261 marketstar99 2020-01-19T20:50:30Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1145942#M326 <P>I would like help investing my tax refund.</P> Thu, 13 Feb 2020 04:56:43 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1145942#M326 MrsTapia 2020-02-13T04:56:43Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1162842#M337 <P>1. &nbsp;Have 3-6 months of living expenses in a savings or money market account.&nbsp;<BR />2. &nbsp;Max out contributions to any employer retirement plan you have and start an IRA.&nbsp;<BR />3. &nbsp;Determine your risk tolerance by using an asset allocation calculator you can find online from institutions like Vanguard and Fidelity.&nbsp;<BR />4. Based on what your allocation is, invest in low cost index stock and bond funds.&nbsp;<BR />5. &nbsp;Rebalance your allocation when it varies by 5 percentage points so you will be forced to sell high and buy low.&nbsp;<BR />6. Ignore advice to make a quick killing in an investment you don’t understand&nbsp;</P> <P>7. Don’t buy an asset because a neighbor, friend, or relative told you how great it is.&nbsp;</P> Sun, 16 Feb 2020 02:48:19 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1162842#M337 Bsch4477 2020-02-16T02:48:19Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1189390#M347 <P>Hi Brian,</P><P>I have been wanting to build a stock portfolio for a while now, and I am going to start when taxes come. I have a few ideas about what i want to invest in such as the "new craze" cannabis companies that are established with a good portfolio and business plan, but not one of the big ones that have already are a fortune to invest in, but someone with great potential and in a state that supports their business, also my thinking is when marijuana gets passed in all 52 states and trust me it will, that stock will provide a huge return! It isnt going to happen yet, but many states little by little will eventually come around because the money their state will benefit from, and they will join the ranks...also I am looking for businesses that are just starting out, online shopping is big...but you must research research research! Do your homework...afterall its your money depending on your smart moves <span class="lia-unicode-emoji" title=":slightly_smiling_face:">🙂</span> hope this helps..</P> Wed, 19 Feb 2020 23:02:08 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1189390#M347 Helpmejackie 2020-02-19T23:02:08Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1293395#M391 <P>Hi there!</P><P>&nbsp;</P><P>Thanks for the info! I am not really knowledgeable about investing or stocks but I'm&nbsp; very interested to know more. Any references and information books that you can recommend?&nbsp;</P><P>&nbsp;</P><P>Regards!&nbsp; &nbsp; &nbsp;</P> Mon, 09 Mar 2020 00:09:59 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1293395#M391 migox44 2020-03-09T00:09:59Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1293531#M392 <P>Common sense on mutual funds by John Bogle and Four Pillars of Investing by William Bernstein.&nbsp;</P> Mon, 09 Mar 2020 00:37:34 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1293531#M392 Bsch4477 2020-03-09T00:37:34Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1617800#M517 <P>I started at 60, very late, I did get my 401 to $200,000, am trying for 300,000. I think a person&nbsp; can live on that amount from the RMD withdrawals. $500,000 would even better, depends what you want to give up, and put in as much as the government will let you, right now over 59 1/2 is $16,500 or $3000 a month in a 401 account,&nbsp; Not that many people can do that but 15 to 20% of pay check is usually is good. Where I work most people put their money in the bond fund, were afraid to loose money,&nbsp; and didn't get very much to retire on, after 20 or even 30 years.&nbsp; The ones who put their money into the stock fund in 2008 and 2009 became millionaires after 10 years. I got a 30% increase in my funds one year through the stock fund, and now down about 6 1/2 percent this year.&nbsp; You don't loose until you move your&nbsp; money to the safer fund, and hopefully you get back into the market funds at a good time. 65 - 40 is 25 years, if this market goes back up like I think it will, you should have not problem. Don't be afraid to&nbsp; loose money, think of it as a paper loss. If you you can start a Roth that is $6000 a year the government will let you put, in equals $500 hundred a month. Find an index fund or as Buffet says to can pick 3 stocks and reinvest the dividends, favorite stocks that have been around a long time Chevron, McDonald, Coke, Pepsi, toothpaste and soap. Proctor and gamble, all these companies have been around a long time and rise their dividends every year. The index fund can produce any where from 8% percent to 12 percent per year.&nbsp; Wish you luck. No bills to do this, no car payment, no credit card payments, pay off the house if possible. This may sound hard, but when do you want to retire. By the way if you do this right, by booking out the 401, the 401 could make more money than you get paid at work. I have seen people do this but I didn't make it. One has to retire at some point, Buffet is doing pretty well.</P> Mon, 01 Jun 2020 23:45:50 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1617800#M517 bgrowe20 2020-06-01T23:45:50Z Re: How to start investing https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1630614#M520 <P>If you are getting a tax refund! You are not doing it right! You should be investing that money Monthly. that helps you study what you are investing in and if you see that what you are doing is not right for you then change it! Never invest in anything you do not know. there are a lot of good companies that are priced at all investment levels. Find a good company and learn all you can find out about it and the reason the price may change and by how much. Then invest in it or find another. There will always be good deal. ETF and Mutual funds are set up to insure you will not loose to much but you will not make very much either but they are safe. If you have to pay taxes at the end of the year most individual stock you can cash out in less than a week. the federal gov. does not pay you interest on any money they hold for you to file at the end of the year! Good luck</P> Fri, 12 Jun 2020 04:07:36 GMT https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1630614#M520 GrandDad 2020-06-12T04:07:36Z
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<P>I'm in a similar boat, not too familiar with investing, just saving. Would love to see some more ideas on where to start, and what to look out for from those who have been there!</P>
</description>
<pubDate>Fri, 16 Nov 2018 17:06:31 GMT</pubDate>
<dc:creator>_brian</dc:creator>
<dc:date>2018-11-16T17:06:31Z</dc:date>
<item>
<title>How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/how-to-start-investing/01/6965#M135
</link>
<description>
I am just starting out and have a pretty decent credit score. I’m also starting save up some money but I like to plan ahead. What are a few things you guys would suggest to start investing? What should I look for?
</description>
<pubDate>Sat, 27 Oct 2018 01:17:15 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/how-to-start-investing/01/6965#M135
</guid>
<dc:creator>Needurwisdompls1</dc:creator>
<dc:date>2018-10-27T01:17:15Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/6966#M136
</link>
<description>
<P>Rule #1 - Do not invest what you are not willing to lose</P><P>Rule #2 - Consider all monies invested as lost, permanently and forever, within the first minute of having made said investment</P><P>Rule #3 - Other investors do not give you tips for "your" benefit. They do so for their own benefit. It's the name of the game.</P><P>Generally I myself only invest for the long term. I don't "play the markets" because I'm not yet that rich, and probably never will be. I find three types of mutual funds to be right for me. I invest equally in growth funds, growth and income funds, and about 15-20% of invested funds into foreign markets. Make google your best friend, and do your homework to learn about this stuff. Don't rely on other's to "educate" you for your benefit. They're not going to.... but they will lie to you about it. That's why they're so successful at it.</P>
</description>
<pubDate>Sat, 27 Oct 2018 02:21:08 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/6966#M136
</guid>
<dc:creator>Carl</dc:creator>
<dc:date>2018-10-27T02:21:08Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7463#M137
</link>
<description>
<P>Educate yourself. Asking questions is a great first start!</P><P>&nbsp;</P><P>I think one of my favorite starter guides is "If You Can"&nbsp;<A href="https://www.etf.com/docs/IfYouCan.pdf" target="_blank">https://www.etf.com/docs/IfYouCan.pdf</A></P><P>&nbsp;</P><P>It is meaty, but full of sound advice that is focused on helping one person, and that's you!</P><P>&nbsp;</P><P>Good luck!</P>
</description>
<pubDate>Fri, 16 Nov 2018 15:17:12 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7463#M137
</guid>
<dc:creator>dsjohns</dc:creator>
<dc:date>2018-11-16T15:17:12Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7470#M138
</link>
<description>
<P>I'm in a similar boat, not too familiar with investing, just saving. Would love to see some more ideas on where to start, and what to look out for from those who have been there!</P>
</description>
<pubDate>Fri, 16 Nov 2018 17:06:31 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7470#M138
</guid>
<dc:creator>_brian</dc:creator>
<dc:date>2018-11-16T17:06:31Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7613#M139
</link>
<description>
<P>I would agree with most of what has already been said, but let me add a bit of practical advice as well. As a first time small investor you should be investing in a broad range of equities across most economic sectors. The most practical and least costly way of doing that is to invest an an Exchange Traded Index fund&nbsp;(ETF), something like the and&nbsp; S&amp;P 500 index ETF or the total stock market ETF. For example, and only for example,&nbsp;<SPAN>SPDR S&amp;P 500 ETF (SPY), or&nbsp;Vanguard S&amp;P 500 ETF (VOO), or&nbsp;Vanguard Total Stock Market ETF (<STRONG>VTI</STRONG>), and similar products. Second, invest what you can afford to live without, but invest regularly (dollar cost average). Over time you will realize the benefits&nbsp;of the economy's growth, but there will be times when your investments depreciate. Just stick with it for the long run. If you have some money in the bank that you're not prepared to lose, but you'd like to earn some better interest on those funds, think of investing in Treasury bills. You can buy T-bills directly though a Treasury Direct account in amounts of a little as $1000, and it's simple to set up an account. Right now a 91-day T-bill is yielding&nbsp;about 2.4% and the investment is the safest&nbsp;in the world.&nbsp; The Treasury site is:&nbsp;<A href="https://www.treasurydirect.gov/" target="_blank">https://www.treasurydirect.gov/</A></SPAN></P><P>&nbsp;</P><P><SPAN>Good luck</SPAN></P>
</description>
<pubDate>Wed, 21 Nov 2018 18:58:12 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/7613#M139
</guid>
<dc:creator>DJS</dc:creator>
<dc:date>2018-11-21T18:58:12Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/8209#M140
</link>
<description>
<P><LI-USER uid="12444"></LI-USER>&nbsp;I'm a big fan of 401k's - at least for companies that offer them like Intuit, we've got a great plan with some great index funds with great matching.&nbsp;</P><P>&nbsp;</P><P>And the earlier a person starts, the better. I was a big Motley Fool person many years ago, and the graph on this page really spells it out for me:&nbsp;</P><P>&nbsp;</P><P><A href="https://www.fool.com/knowledge-center/compound-interest.aspx" target="_self">https://www.fool.com/knowledge-center/compound-interest.aspx</A></P><P>&nbsp;</P><P>But, when I hear "I want to start investing", I always go to "investing for retirement". <span class="lia-unicode-emoji" title=":slightly_smiling_face:">🙂</span></P>
</description>
<pubDate>Sun, 16 Dec 2018 05:29:56 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/8209#M140
</guid>
<dc:creator>lwdupont</dc:creator>
<dc:date>2018-12-16T05:29:56Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/14698#M141
</link>
<description>
<P>I'd buy JL Collins' book "The Simple Guide to Investing." BEST BOOK I've ever read. Wish I'd seen it years ago.</P><P>It's basically a homage to the John Bogle method but simplified:</P><P>a) buy index funds that invest in the entire market ("why find try to find a needle in a haystack? buy the entire stack!")</P><P>b) make sure the funds are VERY LOW cost ones (below 0.1%) for their expense ratios... which is critical in the long run</P><P>c) determine your balance between stock and bond FUNDS (more stocks in your youth)</P><P>d) don't pick individual stocks (it's generally a losing game for most)</P><P>e) don't try to time the market (even experts can't do it)</P><P>THAT'S IT. Set it and significantly forget it (with only the occasion re-balancing of those ratios as you age).</P><P>The book is a terrific read.</P><P>&nbsp;</P><P>[P.S. - of course I'm referring to RETIREMENT investing. If you have money you are willing to lose and want to just "play" - there are oodles of ways to go. But in the long-term good ETFs are best.]</P>
</description>
<pubDate>Wed, 20 Feb 2019 03:20:02 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/14698#M141
</guid>
<dc:creator>ThickAsABrick</dc:creator>
<dc:date>2019-02-20T03:20:02Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/16819#M142
</link>
<description>
Send me in your direction I’m 45 And just getting interested didn’t think I ever would be able to
</description>
<pubDate>Tue, 26 Feb 2019 04:36:17 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/16819#M142
</guid>
<dc:creator>Ashley27</dc:creator>
<dc:date>2019-02-26T04:36:17Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/18727#M143
</link>
<description>
<A href="https://act.webull.com/i/AZPYBnFifYf1" target="_blank">https://act.webull.com/i/AZPYBnFifYf1</A> This is a good app for learning to invest. It has paper trading for practice, and when you're ready you can give it a shot. I've recommended to several friends who are in the same situation and they've been enjoying the education.
</description>
<pubDate>Fri, 08 Mar 2019 17:31:34 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/18727#M143
</guid>
<dc:creator>Geerts83</dc:creator>
<dc:date>2019-03-08T17:31:34Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/22004#M144
</link>
<description>
<P><STRONG><U>Invest?&nbsp;</U></STRONG> meaning its money your willing to lose....&nbsp;or save for your future?&nbsp;</P><P>If you want to save money for your future. Put it in a matched 401K associated with your job. Contribute your max each year, especially if your workplace matches it.&nbsp;</P><P>But dont&nbsp;stop there....&nbsp;Open up a Roth IRA, protects your money for the future, much higher yield than putting it in a savings account, and with companies like Fidelity, you can start by putting in as little as 50 dollars a pay period.</P><P>By the time you ready to, send kids to college, retire... go on a kick ass vacation? whatever. Youll have the funds from your IRA without having to dip into you daily accounts.&nbsp;</P><P>&nbsp;</P><P>Good Luck!</P>
</description>
<pubDate>Fri, 05 Apr 2019 13:01:28 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/22004#M144
</guid>
<dc:creator>ANSWERS2</dc:creator>
<dc:date>2019-04-05T13:01:28Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24095#M145
</link>
<description>
<P>Like many long-term endeavors, to succeed in investing you must “know thyself”</P><P>&nbsp;</P><P>That is to say, the better you know yourself, your own temperament and risk tolerance, the better chance you have of succeeding,</P><P>&nbsp;</P><P>A great way to determine your best long-term investment strategy is to take a short asset allocation/risk tolerance test at the following link: <A href="https://personal.vanguard.com/us/FundsInvQuestionnaire" target="_blank">https://personal.vanguard.com/us/FundsInvQuestionnaire</A><BR />This test will determine your optimal mix of stocks, bonds, and cash reserves.</P><P>&nbsp;</P><P>If practical, consider a disciplined dollar cost average approach which involves contributing a fixed dollar amount at certain intervals such as investing once a month in a 401(k). This strategy will have the effect of buying more shares when the market is down and fewer shares when the market is more expensive which will keep your costs low. In addition, you will have the great advantage of keeping emotion out of your investing.</P><P>&nbsp;</P><P>Wishing you all the best of good buys,<BR />Marketstar</P>
</description>
<pubDate>Thu, 18 Apr 2019 21:51:44 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24095#M145
</guid>
<dc:creator>marketstar99</dc:creator>
<dc:date>2019-04-18T21:51:44Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24882#M146
</link>
<description>
I honestly prefer long term savings plans. I was never very good at investing money off the bat. I reckon that there are a few funds that you could put your money into where the returns would be more balanced out, but decent way of growing your money. Anything would be better than just leaving it in the bank honestly. Make sure that you keep a decent amount of savings to cover any losses too!
</description>
<pubDate>Mon, 06 May 2019 13:36:42 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24882#M146
</guid>
<dc:creator>N_Davidson</dc:creator>
<dc:date>2019-05-06T13:36:42Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24883#M147
</link>
<description>
<P>I like your long-term asset allocation thinking- see the link in my above answer to get started.</P><P>&nbsp;</P><P>Good luck,<BR />Marketstar.</P><P>&nbsp;</P><P>PS You can still get 2-2.5 % with an internet bank (ie. American Express) or money market fund-not great, but getting better.</P>
</description>
<pubDate>Fri, 17 May 2019 17:21:25 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24883#M147
</guid>
<dc:creator>marketstar99</dc:creator>
<dc:date>2019-05-17T17:21:25Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24889#M148
</link>
<description>
<P>Internet banks at these rates are a good place to park money or as part of an asset allocation strategy. Care should be taken not to use them as a long term investment alternative for all of one's net worth because over a long enough time frame, inflation will take a toll.&nbsp;&nbsp;</P>
</description>
<pubDate>Mon, 06 May 2019 19:34:40 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/24889#M148
</guid>
<dc:creator>halpalms</dc:creator>
<dc:date>2019-05-06T19:34:40Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/27703#M149
</link>
<description>
<P>Investing is a wide topic, I'm not sure which part are you interested in more. I concentrate on stocks and mutual funds study first, <A href="https://docsbay.net/how-to-get-started-investing-in-stocks-and-mutual-funds" target="_self">How to get started investing in stocks and mutual funds</A> is&nbsp;one of my favorite starter guides.&nbsp;</P>
</description>
<pubDate>Tue, 28 May 2019 07:20:39 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/27703#M149
</guid>
<dc:creator>jeffguarino</dc:creator>
<dc:date>2019-05-28T07:20:39Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/806785#M155
</link>
<description>
<P>There are many investment instruments for you to choose from. The most popular include:</P> <P>Stocks</P> <UL> <LI>A stock is a share of ownership in a company. Stock prices&nbsp;move based on investors’ evaluation of the company’s performance, including leadership changes, new product releases or how it’s doing financially.</LI> <LI>Companies issue stock to the public to raise money to grow or pay off debt. Stocks are also known as equities.</LI> </UL> <P>Bonds</P> <UL> <LI>A bond is essentially a loan to a company or government entity, which agrees to pay you back in a certain number of years. In the meantime, you get interest.</LI> <LI>Bonds generally are less risky than stocks because you know exactly when you’ll be paid back and how much you’ll earn.</LI> </UL> <P><STRONG>Mutual funds</STRONG></P> <UL> <LI>A mutual fund&nbsp;is a mix of investments managed by an individual company. When you invest, you don’t choose specific stocks or other securities; the mutual fund does it for you. The inherent diversification of mutual funds makes them generally less risky than individual stocks, but there are mutual funds&nbsp;available at all risk levels.</LI> <LI>Popular mutual funds include index funds, which follow the performance of a particular stock market index, and money market funds, which invest in short-term, low-risk assets.</LI> </UL> <P><STRONG>Exchange-Traded Funds (ETFs)</STRONG></P> <UL> <LI>An ETF is a basket of securities — stocks, bonds, commodities or some combination of these — that you buy and sell through a broker. They combine the diversification benefits of mutual funds with the trading ease of stocks and are available at&nbsp;various risk levels.</LI> <LI>Index funds are also common among ETFs — and they generally carry lower associated management fees than mutual funds.</LI> </UL> <P>&nbsp;</P> <P>Regards,</P> <P>Adrian</P> <P>Tax Consultant</P>
</description>
<pubDate>Tue, 11 Jun 2019 17:29:53 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/806785#M155
</guid>
<dc:creator>AdrianG001</dc:creator>
<dc:date>2019-06-11T17:29:53Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/823274#M173
</link>
<description>
<P>You need to be willing to take a huge risk which is involved with investments. Be prepared to lose what you invest. Thus, only invest a certain amount that you are willing to part with. That is the first main factor to consider and the rest will fall into place.</P>
</description>
<pubDate>Wed, 03 Jul 2019 08:51:05 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/823274#M173
</guid>
<dc:creator>D_Hamilton</dc:creator>
<dc:date>2019-07-03T08:51:05Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/825934#M180
</link>
<description>
<P>Money doesn’t grow on trees, it can grow when save and invest wisely. Knowing how to secure financial well-being is one of the most important things never ever need in life. In this <A href="https://docsbay.net/saving-and-investing" target="_self">saving and investing brochure</A>, will cover the basics on saving and investing.&nbsp;</P>
</description>
<pubDate>Wed, 10 Jul 2019 03:36:09 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/825934#M180
</guid>
<dc:creator>jeffguarino</dc:creator>
<dc:date>2019-07-10T03:36:09Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/842562#M195
</link>
<description>
<P>Everything you need to know starting out as a noob can be found here. <A href="https://www.investopedia.com/" target="_blank">https://www.investopedia.com/</A></P><P>&nbsp;</P><P>If you plan on "Social Trading" sites as I refer to then such as stocktwits or social wall street and yahoo beware of "pumpers" #1 Rule. Trade YOUR style of trading and don't chase bc of FOMO. You trade the trend and what is moving.&nbsp; Cut your losses quickly and let your winners run. Best of Luck!</P><P>&nbsp;</P>
</description>
<pubDate>Mon, 19 Aug 2019 12:16:28 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/842562#M195
</guid>
<dc:creator>1LuckyGirl21</dc:creator>
<dc:date>2019-08-19T12:16:28Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/858033#M217
</link>
<description>
<P>at ethraa, we provide the opportunity for investments. you can invest in&nbsp;solar financing and in renewable energy. for more details visit our site by <A href="https://www.ethraa-a.com/financing/" target="_self"><STRONG>clicking here</STRONG></A></P>
</description>
<pubDate>Tue, 01 Oct 2019 10:35:56 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/858033#M217
</guid>
<dc:creator>harrygeorge</dc:creator>
<dc:date>2019-10-01T10:35:56Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/967666#M257
</link>
<description>
<P>Check out the organization American Association of Individual Investors (<A title="AAII" href="https://www.aaii.com" target="_blank" rel="noopener">AAII</A>). They are non-profit, unbiased, and impartial. Buy a 1-year subscription and you will learn things.</P> <P>&nbsp;</P> <P>Beware of organizations like Motley Fool, who will make you pay for each bit of advice. They are in it for their own profit more than yours.</P>
</description>
<pubDate>Fri, 20 Dec 2019 01:06:12 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/967666#M257
</guid>
<dc:creator>RocketJSquirrel</dc:creator>
<dc:date>2019-12-20T01:06:12Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/969212#M261
</link>
<description>
<P>The following summary from the article “Investment Advice to a World Champ” by prominent investment analyst Dr. Steve Sjuggerud is not only great advice for beginners, but is also a good reminder to the more experienced:</P><P>&nbsp;</P><P>1. Nobody will care more about your situation than you, so never hand off your finances completely.<BR />2. There is no magic bullet or shortcut. (The "hot tip" doesn't exist.)<BR />3. If you don't understand it, don't buy it. (If it sounds too good to be true, it probably is.)<BR />4. Buy investments that are cheap, hated, and in the start of an uptrend.<BR />That's it. Remember these points, and take control of your wealth.</P><P>&nbsp;</P><P>Note: To help determine what is “cheap, hated, and the start of an uptrend” see bigcharts.com. Just type your ticker symbol in the upper left field, click “Draw Chart” and you will see past and current market direction.</P><P>&nbsp;</P><P>Wishing you all the best of good buys,</P><P>Marketstar</P><P>&nbsp;</P>
</description>
<pubDate>Sun, 19 Jan 2020 20:50:30 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/969212#M261
</guid>
<dc:creator>marketstar99</dc:creator>
<dc:date>2020-01-19T20:50:30Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1145942#M326
</link>
<description><P>I would like help investing my tax refund.</P></description>
<pubDate>Thu, 13 Feb 2020 04:56:43 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1145942#M326
</guid>
<dc:creator>MrsTapia</dc:creator>
<dc:date>2020-02-13T04:56:43Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1162842#M337
</link>
<description>
<P>1. &nbsp;Have 3-6 months of living expenses in a savings or money market account.&nbsp;<BR />2. &nbsp;Max out contributions to any employer retirement plan you have and start an IRA.&nbsp;<BR />3. &nbsp;Determine your risk tolerance by using an asset allocation calculator you can find online from institutions like Vanguard and Fidelity.&nbsp;<BR />4. Based on what your allocation is, invest in low cost index stock and bond funds.&nbsp;<BR />5. &nbsp;Rebalance your allocation when it varies by 5 percentage points so you will be forced to sell high and buy low.&nbsp;<BR />6. Ignore advice to make a quick killing in an investment you don’t understand&nbsp;</P> <P>7. Don’t buy an asset because a neighbor, friend, or relative told you how great it is.&nbsp;</P>
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<pubDate>Sun, 16 Feb 2020 02:48:19 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1162842#M337
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<dc:creator>Bsch4477</dc:creator>
<dc:date>2020-02-16T02:48:19Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1189390#M347
</link>
<description>
<P>Hi Brian,</P><P>I have been wanting to build a stock portfolio for a while now, and I am going to start when taxes come. I have a few ideas about what i want to invest in such as the "new craze" cannabis companies that are established with a good portfolio and business plan, but not one of the big ones that have already are a fortune to invest in, but someone with great potential and in a state that supports their business, also my thinking is when marijuana gets passed in all 52 states and trust me it will, that stock will provide a huge return! It isnt going to happen yet, but many states little by little will eventually come around because the money their state will benefit from, and they will join the ranks...also I am looking for businesses that are just starting out, online shopping is big...but you must research research research! Do your homework...afterall its your money depending on your smart moves <span class="lia-unicode-emoji" title=":slightly_smiling_face:">🙂</span> hope this helps..</P>
</description>
<pubDate>Wed, 19 Feb 2020 23:02:08 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1189390#M347
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<dc:creator>Helpmejackie</dc:creator>
<dc:date>2020-02-19T23:02:08Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1293395#M391
</link>
<description>
<P>Hi there!</P><P>&nbsp;</P><P>Thanks for the info! I am not really knowledgeable about investing or stocks but I'm&nbsp; very interested to know more. Any references and information books that you can recommend?&nbsp;</P><P>&nbsp;</P><P>Regards!&nbsp; &nbsp; &nbsp;</P>
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<pubDate>Mon, 09 Mar 2020 00:09:59 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1293395#M391
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<dc:creator>migox44</dc:creator>
<dc:date>2020-03-09T00:09:59Z</dc:date>
</item>
<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1293531#M392
</link>
<description>
<P>Common sense on mutual funds by John Bogle and Four Pillars of Investing by William Bernstein.&nbsp;</P>
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<pubDate>Mon, 09 Mar 2020 00:37:34 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1293531#M392
</guid>
<dc:creator>Bsch4477</dc:creator>
<dc:date>2020-03-09T00:37:34Z</dc:date>
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<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1617800#M517
</link>
<description>
<P>I started at 60, very late, I did get my 401 to $200,000, am trying for 300,000. I think a person&nbsp; can live on that amount from the RMD withdrawals. $500,000 would even better, depends what you want to give up, and put in as much as the government will let you, right now over 59 1/2 is $16,500 or $3000 a month in a 401 account,&nbsp; Not that many people can do that but 15 to 20% of pay check is usually is good. Where I work most people put their money in the bond fund, were afraid to loose money,&nbsp; and didn't get very much to retire on, after 20 or even 30 years.&nbsp; The ones who put their money into the stock fund in 2008 and 2009 became millionaires after 10 years. I got a 30% increase in my funds one year through the stock fund, and now down about 6 1/2 percent this year.&nbsp; You don't loose until you move your&nbsp; money to the safer fund, and hopefully you get back into the market funds at a good time. 65 - 40 is 25 years, if this market goes back up like I think it will, you should have not problem. Don't be afraid to&nbsp; loose money, think of it as a paper loss. If you you can start a Roth that is $6000 a year the government will let you put, in equals $500 hundred a month. Find an index fund or as Buffet says to can pick 3 stocks and reinvest the dividends, favorite stocks that have been around a long time Chevron, McDonald, Coke, Pepsi, toothpaste and soap. Proctor and gamble, all these companies have been around a long time and rise their dividends every year. The index fund can produce any where from 8% percent to 12 percent per year.&nbsp; Wish you luck. No bills to do this, no car payment, no credit card payments, pay off the house if possible. This may sound hard, but when do you want to retire. By the way if you do this right, by booking out the 401, the 401 could make more money than you get paid at work. I have seen people do this but I didn't make it. One has to retire at some point, Buffet is doing pretty well.</P>
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<pubDate>Mon, 01 Jun 2020 23:45:50 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1617800#M517
</guid>
<dc:creator>bgrowe20</dc:creator>
<dc:date>2020-06-01T23:45:50Z</dc:date>
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<item>
<title>Re: How to start investing</title>
<link>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1630614#M520
</link>
<description>
<P>If you are getting a tax refund! You are not doing it right! You should be investing that money Monthly. that helps you study what you are investing in and if you see that what you are doing is not right for you then change it! Never invest in anything you do not know. there are a lot of good companies that are priced at all investment levels. Find a good company and learn all you can find out about it and the reason the price may change and by how much. Then invest in it or find another. There will always be good deal. ETF and Mutual funds are set up to insure you will not loose to much but you will not make very much either but they are safe. If you have to pay taxes at the end of the year most individual stock you can cash out in less than a week. the federal gov. does not pay you interest on any money they hold for you to file at the end of the year! Good luck</P>
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<pubDate>Fri, 12 Jun 2020 04:07:36 GMT</pubDate>
<guid>
https://ttlc.intuit.com/community/investing/discussion/re-how-to-start-investing/01/1630614#M520
</guid>
<dc:creator>GrandDad</dc:creator>
<dc:date>2020-06-12T04:07:36Z</dc:date>
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