how to invest with little money

how to invest with little money questions and answers

Learn about how to invest with little money at the number one young investor website Teen Analyst.

Q: what is the best way to invest with very little money and how to get started?


A: For someone who wishes to begin with $250 American Funds is the answer. $250 to open an account and additions can be made in $25 increments. That is about the littlest I know of. Here is a link. http://www.americanfunds.com/default-home.htm They are a good company with plenty of good mutual funds. But you need to know that they have a front end sales charge of 5.75%. This is mitigated somewhat by their very low expense ratio. One of my favorites is Income Fund of America. A growth fund disguised as an income fund based on past performance.

Q: How much money is too little to invest into stocks?
Im currently a 17 year old male, and i am becoming quite interested in the stock market. I am just curious what age, and what is the lowest amount of money i could invest into the stock market, any help is WELL appreciated.

A: Its not how much to invest in any one stock: Its how much of your money in that trading account is too much. One of the rules of our group is: NO MORE than 10% of the total trading account balance in any one trade. EXAMPLE: $10,000 total trading account balance NO MORE than $1,000 for any one position for any one stock. If shares are selling for $50/share, you8 should not invest any more than $1000 or 20 shares. Thanks for asking your Q! I enjoyed answering it! VTY, Ron Berue Yes, that is my real last name!

Q: What's the easiest way to invest and a great turnaround with little money?
I'm looking to find ways that I can make great money in. I know people were investing real esate and many are stuck with homes. Should I look into real estate and slowly invest by living in it, or is there another way I can invest such as stocks etc... that isn't going to lose my money the next day. I'm 29 and don't have anything invested and I don't want to wake up when I'm 60 and not have anything.

A: there's no easy way my friend :O) in my opinion, the best investment would be to invest into one's investment education. i favor investment instruments like options and forex, where one can buy-low-then-sell-high or sell-high-then-buy-low. in that respect, an astute investor will be able to benefit from both a bearish or bullish market. you will not be tied down by market cycles that the stocks and property markets follow. both also give you some kind of leverage, so you can get better returns when trades go in your favour. but do keep in mind the leverage works both ways....you can win as fast as you loose. that said, you should consider investing in a good education in options and forex trading (or whatever you prefer). these 2 investment vehicles should be able to give you very good returns. of course you should also know that high rate of returns also comes with high risks. happy investing!! :O)

Q: What would you invest in with only a little bit of money?
if you had only a bit of money to invest, say a few thousand, what would you put it towards?

A: It is smart to look at different companies for buying opportunities. If you you only have a few thausand to invest mybe focus on maybe between 2 and 5 companies. Here is a list of strong companies that have a strong outlook as well as a value price at the moment. 1. General Electric, (GE) 2. Caterpillar,(CAT) 3. Terex,(TEX) 4. Cisco (CSCO) 5. Cemex (CX) 6. Genworth Financial (GNW) 7.Morgan Stanly,(MS) 8,Wells Fargo,(WFC) 9. Hartford Insurance,(HIG) 10.Principal Financial Group(PFG) General Electric is a company I am betting on. It will benefit from the infrastructure spending. Since it has a strong Energy and technology sector. I am confident It will go up on Tuesday as the Stimulus bill has passed and will be sign by the president. Good luck. And before you invest you should do some research on different companies.

Q: Should people invest their money when they have debt?
Is it possible to invest with little money? How? Student loans, less than 10% rate No credit card debt So should I?

A: It depends on the interest rate you are paying on the debt, vs your expected annual rate of return on the investment. If you have a credit card carrying an interest rate of 20% and you invest in: the stock market which has an average return of 11% annually or Real Estate which has and average return of 6 or 7% annually or Government bonds that carry about 5% right now, it doesn't make any sense, does it? You should pay your debt first--you will be ahead. If your debt is interest free, because it's like, from your Dad or something, you should still probably pay him back first but if he doesn't mind, you might consider indexed mutual funds, that you can start with $200 or so. Or Series II US savings bonds that you can buy from your local bank for $25 and up.

Q: What is the best strategy for investing on little money?
I don't have a lot of money to invest (under $500) is it worth my while to get into stocks or should I do something else with it?

A: That depends on how far into the future you may need the money. Also, how easily do you have to be able to get at the money? If it is only $500, and you don't already have money put aside for emergencies, then you are better off putting it into a high yield savings account, or money market account. These pay about 5% interest now. Once the money is there, add to it whenever you can. When you have about $2000 in this account, then you can start thinking about other investments. It is always good to have emergency money in an account before you invest further.

Q: where can I invest a little money to get high percentage,thank you.marcelo?


A: You have ask the right question! Swiss Mutual Fund was set up after World War Two in 1948 by the Cheviot family of France and based their operation in Berne, Switzerland for 48 years before shifting to The Commonwealth of Dominica in 1996 due to changes in financial regulations in Europe. Offshore countries flexible financial environment, taxation scheme and regulations offer Swiss's clients a more stable and higher returns on their investment. Swiss Mutual Fund is fully licensed by the Government of Dominica. The Dominican has established a comprehensive regulatory framework that includes five regulators and supervisors. The Central Bank of Dominica and the Securities Commission of Dominica ensure adherence to international standards of performance, service and confidentiality for Banks and Trust, Securities Broker Dealers, and Securities Investment. GLOBAL CONTACT: SWISS MUTUAL FUND ( 1948 ) S.A. 280 Madison Avenue, 912-9th Floor, New York.NY10016 ,U.S.A P .O .Box 2342.Roseau,The Commonwealth of Dominica www.swisscash.biz/sgcha0324302

Q: Where should I, a 51 year old man on SSD,invest my money?
I am 51 years old and on social security disability. Where should I invest what little money I get each month? I am trying to prepare for old age if I live that long.

A: My checking account.

Q: I want to invest my money and I have little knowledge but have the basics down.?
I am in high-school and want to invest my money before I have to pay taxes. I know most general stuff from school and friends but would like advice and tricks.

A: Yes you could learn invest by yourself. it is your money, you should know how to do with it. for starter check this site out. http://www.pathtoinvesting.org/index_fla... http://www.stockcharts.com http://www.streettalklive.com>... university. a lot amount of information. It will serve you well I accumulate in good amount in 401k at the young age.I could share with you. when consider invest in stock market. you should consider basic 3 things: fundamental analysis==(economic data,finincial health, management, business model, competetion)>>what to buy technical analysis==(chart+indicator)>> when to buy Sentiment/schycho analysis==>>mood of investor, Contrarian point of view. Market cycle===>> check out book Trader Almanac by jeff hirsch will give you inside stuff When you combine 3 thing, It is one of the powerful knowledge goinh with you for the rest of your live At the age of 32. my 401k is amassed 73,000.00 and 30000.00 in taxble account. by follow simple rule

Q: what is the best way to invest money,I will have a little lumpsum to work with,how can I make it grow the most
I don't have retirementsavings,don't earn much,am 49 yrs old

A: I'd take half of whatever you can save, and put it into a interest paying savings account (consider this your emergency fund). After you have three months expenses saved up, divert this money into the option below. I'd take the other half, and start a Roth IRA. I'd seek out some friendly help on what exactly to purchase in the IRA (I would probably lean towards some type of balanced mutual fund). At 49 years old, you need to contribute as much as you can as often as you can... Skip Starbuck's now, so you won't be working there when you are 82 years old! :) Ken Clark Certified Financial Planner

Q: What are the best investment when you only have a little bit of money to invest?
I looking for something that will give me tons of bang for my buck.

A: If you have a long-term time horizon (5 years or more), I would recommend investing what you've got into a stock mutual fund, and signing up for automatic monthly investments. Most companies will waive their minimum investments (usually $1,000 - $2,500) if you do this. For as little as $50-$100 per month, you will be amazed at how fast your money grows. If you're new to mutual funds, you should start with an S&P 500 fund. This will spread your investment across the 500 largest stocks in the U.S., like Coca Cola, Intel, GE, Disney, etc. Know that the value of your account will fluctuate up and down in the short term, but in the long term you can reasonably expect average annual returns of around 10%. To get started, contact a solid mutual fund company like Vanguard (www.vanguard.com), T. Rowe Price (www.troweprice.com), or Fidelity (www.fidelity.com). I hope that helps. Good luck!

Q: I am broke and I need money? Should I invest the little cash I have?
I work a 9-6 shift and I get paid $13.00 , but I have a wage garnishment that makes me get about $500 every 2 weeks after taxes and benefits. Not to mention I have bills: rent, gas, food, phone bills, etc, including unexpected troubles. I often have to ask for money for food and gas to get back and forth to work. I don't like to spend money so i try to hold onto every penny I have, so I don't go shopping, I don't go to the hair salon, I don't buy cd's or magazines or go out to dinner, don't go to concerts, vacations or any of those other things that cost money. People ususally think that I am just being cheap or I am saving my money. I look for evening jobs but they usually want me to start my shift a 6pm but I'm still at work. What can I do? I don't have any funds for an unexpected emergency. My wage garnishment will last for 1 more year. I am getting desperate.

A: I would get a second job. Maybe just part time. Maybe sell things on eBay to bring in more cash. If you can make even an extra $200 per week, that is 10,400 per year. You would probably take home an extra $150 per week. Put $25 per week into a Scottrade account, and $25 per week into a Roth IRA (I use Scottrade for that also). That will be $1300 per year to invest, and $1300 per year into a tax free IRA retirement account that is protected from most (but not all) lawsuits, garnishments and bankruptcies). It you put the money into a REIT fund such as UMREX it MIGHT earn 20% per year. This gives you an emergency fund, and hope for retirement in the future.

Q: What is the best way for a 22 year old to get started investing with little money?
I have a little more than five hundred to get me started, and am really doing this for the long term goals. I'm not sure if buying bonds would be the best thing, and if so, what type of bonds should I buy. I have really been wanting to do this, just need some correct advice from all angles to give me something to think about. I really have no inside knowledge of the stock market other than what I see on CNN. Please Help!!!!!

A: you should open an IRA account if you don't already have one. does your company offer a 401K or any stock purchases. having money deducted from your check often saves on your taxes and makes it easier to build a nest egg. don't put all your money in one type of investment. it's safer.

Q: Where can I invest in a home with little money down and rent the house for a profit each year?


A: Most anywhere. Shop the market. Look at the home. Right now its a buyer's market so you should be able to purchase a home for next to nothing down.