Investing Questions and Answers

I want to invest surrounded by sugar?

i believe the spot price will be going up i want this as a long term investment i want to buy at practical spot and sell at in close proximity spot . I dont want to invest in a sugar company or buy futures where on earth can i buy? thanx to all helper.


Answers: I really think you're stuck beside " companies" for awhile...but there be some articles that said that ETF's based within pure commodities would be available in untimely 2008... keep checking on-line financial communication.

What is the difference between project IRR and equity IRR?




Answers: The project IRR takes as its inflows the full amount(s) of money that are needed in the project. The outflows are the cash generated by the project. The IRR is the internal rate of return of these cash flows. The calculation assumes that no debt is used for the project.

Equity IRR assumes that you use debt for the project, so the inflows are the cash flows required minus any debt that was raised for the project. The outflows are cash flows from the project minus any interest and debt repayments. Hence, equity IRR is essentially the "leveraged" version of project IRR.

Good long residence invesments to start for my 10 month out-of-date grandchild?

Unlike when I raised my own children, I am contained by a position now to put some money away for my grandchild's adjectives. It's not much. Maybe one hundred dollars per month. What would be a good long residence investment, as in something she would dosh in 20 years from presently? Savings bonds? Life insurance? Other?


Answers: If it's for your grandchild's college education, the best item is your state's 529 college savings plan. My wife and I live surrounded by Wisconsin and have a 7 month prehistoric daughter. We put $100 per month in a 529 for her. 100% of the investment go into a Vanguard Index fund that tracks the S&P 500. When she comes of age to go to college, the money is her's tariff free. Also, we get to write past its sell-by date the contributions from our state taxes, up to $3000 per year.

If you don't want to set money aside strictly for college, I still recommend buying the Vanguard S&P 500 Index fund. It has immensely low fees and is inherently diversified. While you likely can't stir wrong with investment within a few very immense multinational corporations, I think the Vanguard fund is safer.

Check out savingforcollege.com and click on the 529 relation on the left toolbar. You can see the details of your state's 529 college stash plan there. Also check out vanguard.com
Im really glad that you are doing this. My grandfather did this for me and it really help a ton.

I would wait 6mos-a year beforehand investing because you can buy just something like every stock on this list at equal price or lower. Here are some stocks that are ultra safe, and solid (but slow) gainers (symbols surrounded by ():

Johnson and Johnson (JNJ) - this is the biggest health thought company out there, near baby boomers need more medicine as they obtain older J&J should do especially well. they are also ultra undamaging. 2.5% yield.

General Electric (GE) -they are surrounded by just more or less every business that you can think of. this is one of the safest stocks out nearby. 3.6% yield.

Protor and Gamble (PG) - a GE'ish company. it is severely safe, but it has strong growth prospets. Warren Buffett owns this. 2% concede.

Wellington fund - my grandfather, a former broker, picked this one for me. its rock solid and gives you a 3% concede.

Great Plains Energy (GXP) - utilities are some of the safest stocks out there. 5.9% verbs

Consolidated Edison (ED) - another utility. 5.2% yield.

Ameren Corp. (AEE) - probably the safest stock out there. it is the biggest US utility. however it most likley will not rise contained by price, all of the other stocks here should. 5.4% let go.

Verizon Communications (VZ) - one of the biggest phone service companies out there. a bit more risky than the above stocks but is still pretty nontoxic. 4.4% yield.

these are put contained by order for what I believe are the best long possession stocks.

I don't know your financial situation but if it is possible I would suggest putting all of the money surrounded by at once because the brokerage house you go beside will charge you money every time you buy some stock (so doing it only once per stock save $). after you buy the stocks make sure that you get hold of the dividends re-invested, if you call up the brokerage house you progress with they should be capable of help you do this.
If possible, unscrew a Roth IRA for them, which they can add to subsequent. It's like a stash account that can't be drawn on lacking substantial penalties until they're at lowest possible age 59 1/2. The benefit is that any gains (interest on dosh, or stock price gains if you buy stocks and put stocks into it - which I would recommend) that pile up is all tax-free.

Or start one of the college funds plans that are out there. I feel each state runs their own and I presume you can hold one from any of them.

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