401K Financial Planning

Samir S asked:

I had been suggested to invest in mutual fund coz here one can get better rate of interest than fund invested in fix deposit scheme, however someone told me that the capital amount, which means the entire fund invested by me in mutual fund is taxable when the fund will be maturing, which is not applicable when some one deposit an amount in fixed deposit scheme. I want to know is it true or false?


Question posted courtesy of: Anthony

splitter_us asked:

recently a buddy from work got me in to using sharebuilder. I have been intrigued by the railroad , my dad works for UP and I am thinking of going to UP this summer so I’m investing in them. the last 2 months I have invested 50$ each month. I think my account is worth $95 or something now. I might also invest in Burlington northern b/c I noticed that their stock over a 12 year period would be worth about 10,000 more dollars if in march of 96 you’d of invested $100 per month in each one. UP was around 15,200 invested worth 37k and BNSF was about 47k.

Also in my research of job prospecting it appears the government forecasts the railroads business is going to grow over the next 10 years and if gas prices keep rising then there is a school of thought suggesting RR’s will be more economical than Truck. So are you thinking these are wise investments? and is paying $50 or $100 per month on a tuesday a wise way to do it?? thanks.


Question posted courtesy of: Wayne

kokopelli9090 asked:

Let me first say I know very little about trends in world markets or really anything about economics in general.

I’m 21, just started my first mutual funds through my bank. I’m using American Funds. The two funds I have right now are American Balanced Fund (U.S.) and Capital World Growth & Income (Europe). I’m now planning for next year (May/June) when I plan to put more money in my existing funds and open one more (a growth fund) just so I can be diversified.

So here are my candidates:

Euro-Pacific Fund: Heard this was my best choice, the asian telcom markets are exploding

The New Economy Fund: Lots of tech, mostly U.S. software/telcom

The New World Fund: Very broad investments from Mexico to India, lots of banks and oil/gas, investment in some developing companies

Here’s a page with info on these funds and more:
http://www.americanfunds.com/funds/returns/alphabetically.htm

Thanks for your help! This is money I won’t see til I retire so I’m looking for long term.


Question posted courtesy of: Frank

skorskiw asked:

Reuters Power Screener used to let me create a stock screen and then insert a math function in the results.

For example, I could create a screen of all stocks with a Closing Price between 5 and 10 per share and then have it tell me the Average Revenue for all stocks in the result set.

I can do this manually, however I can’t find a screener that lets me download more than 300 stocks at a time.
My problem isn’t how to do the math. My problem is getting the data set. I haven’t found an online source that let’s me download more than 300 stocks at once.


Question posted courtesy of: Florence

Ash asked:

I am playing a stock market game for my economics class with $100,000 in pretend money. I really want to win and I am wondering about a new strategy I have come across. Is it a good idea to buy stocks about to undergo reverse stock splits? For example, I am thinking of buying JAVA because it is about to have a 1 for 4 reverse stock split. I read that that will make it go from $5 to about $20. If only the stock price increase is accounted for and not the share decrease (e.g. My shares will stay the same while the price increases), doesn’t that seem like a logical thing to do? If so, do you know of any other stocks about to have reverse stock splits? Thanks!
My teacher would not make me decrease my amount of shares though. Like if I buy 10,000 shares at $5 then it goes up to $20 wouldn’t I make $100k? My teacher only looks at the stock price and not the fact that there has been a reverse stock split. So he wouldn’t make my 10,000 shares reduce to 2,500. I hope that makes sense. We’re not playing like the real world.


Question posted courtesy of: William

calder700 asked:

I bought a pretty poor performing fund about 9 months ago. (down 30%). I still believe in the fund but know it would better in a Roth (it has high turnover and a large distributions that really hurt my tax bill this yr). Can I sell this mutual fund now and immediatley buy it back in my roth to fully fund for 2007? Is there a time period I must allow for before I bought the fund back in my Roth? I have about $6500 in this mutual fund. I would probaly put the additional $2500 towards my 2008 roth and DCA into it for the next $2500. I would take the loss as a write off on my 2009 taxes. thanks


Question posted courtesy of: Alvin

Rahul asked:

Hello Friends,
I have about 10k saved up and thinking about investing it. But I dont want to invest in the stock market, I dont like the idea of throwing your hard earned money out of window. Can you please advise me what else I can invest which give me max return. I have no knowledge of investing and feel like I should ask. I am looking for something like if I invest 5k and will be like double in 5 yrs. Do you know any good way to invest and grow you money and get max return.

Thanks in advance for your help!!!


Question posted courtesy of: Samantha

eru_desu94 asked:

I have to do a stock market project and choose a stock on the New York Stock Exchange…?

Any suggestions….???


Question posted courtesy of: Jill

JaiMiN asked:

I was in the States as an international student. Since i have completed my studies i have come back to my home country. What i want to ask is, can i still invest in Bonds, Equity, CD’s, etc…through my bank a/c, which is active. I will not be investing more than $5000. I do have a Social Security Numer and a active checking a/c(which i had opened up while my stay over there), and now even plan on opening up a savings a/c with the same bank. Would i be able to do that(invest) without any problems? Like from immigration office or the govt. Any help would be appriciated. Thanks.


Question posted courtesy of: Dawn

Jason asked:

I’m doing some research because I want to become a real-estate agent. A lot of answers I found talks about “investing” once you become an agent. Does that mean “investing” your own personal money or your companys’ money? If your poor, how do you invest your own money in real estate?


Question posted courtesy of: Scott