Investing Guide

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• What is the difference in tax rates between qualified dividends & non qualified?

  **My account at Fidelity is taxable**

  I have money in a Fidelity mutual fund called "cash reserves" The yield is 5.00% But the dividends this fund pays do not qualify for the lower tax rate

  I own shares in Bank Of America, this yields 5.30% but the dividends qualify for the lower rate.

  I’m guessing Bush enacted these cuts to give people an incentive to keep money in stocks rather than money markets (cash).

  I’d really appreciate it if someone could give me the actual differences.

  Thanks in advance

   

• What is the difference in tax rates between qualified dividends & non qualified?

  **My account at Fidelity is taxable**

  I have money in a Fidelity mutual fund called "cash reserves" The yield is 5.00% But the dividends this fund pays do not qualify for the lower tax rate

  I own shares in Bank Of America, this yields 5.30% but the dividends qualify for the lower rate.

  I’m guessing Bush enacted these cuts to give people an incentive to keep money in stocks rather than money markets (cash).

  I’d really appreciate it if someone could give me the actual differences.

  Thanks in advance

   

• Investing in a 403B. Which percentage would you place of the following options and why? See fidelity list:?

  I have all these choice names below… which would you pick and why? They all mean nothing to me. Would like to retire in 25 years.

  * (Total must equal 100%) Total: 0%

  Fund Name
  FID STRAT DIV & INC
  FID ASSET MGR 50%
  FID CONVERTIBLE SEC
  FID ASSET MGR 20%
  FID ASSET MGR 30%
  FID ASSET MGR 40%
  FID ASSET MGR 60%
  FID ASSET MGR 70%
  FID ASSET MGR 85%
  FID BALANCED
  FID DYNAMIC STRAT
  FID FREEDOM 2000
  FID FREEDOM 2005
  FID FREEDOM 2010
  FID FREEDOM 2015
  FID FREEDOM 2020
  FID FREEDOM 2025
  FID FREEDOM 2030
  FID FREEDOM 2035
  FID FREEDOM 2040
  FID FREEDOM 2045
  FID FREEDOM 2050
  FID FREEDOM INCOME
  FID GLOBAL BALANCED
  %
  FID PURITAN
  FID STRAT REAL RET
  %
  FID CAPITAL & INCOME
  %
  FID CORPORATE BOND
  FID FLOAT RT HI INC
  %
  FID FOCUSED HIGH INC
  %
  FID GNMA
  FID HIGH INCOME
  %
  FID INFLAT PROT BOND
  FID INST SH INT GOVT
  FID INTERMED BOND
  FID INTM GOVT INCOME
  FID MORTGAGE SEC
  FID NEW MARKETS INC
  %
  FID SHORT TERM BOND
  FID STRATEGIC INCOME
  FID TOTAL BOND
  FID ULTRASHORT BOND
  %
  FIDELITY GOVT INCOME
  FIDELITY INVST GR BD
  FIDELITY US BD INDEX
  SPTN INT TR INDX INV
  SPTN LT TR INDX INV
  SPTN ST TR INDX INV
  FID GOVT MMKT
  FID MONEY MARKET
  FID SEL MONEY MARKET
  FID US TREASURY MM
  FIDELITY CASH RESRVE
  FIDELITY RET GOVT MM
  FIDELITY RETIRE MMKT
  FIDELITY US GOVT RES
  ABF LG CAP VAL INV
  AF GRTH FUND AMER R4
  CALAMOS GROWTH A
  FID 130/30 LG CAP
  FID BLUE CHIP GROWTH
  FID BLUE CHIP VALUE
  FID CAP APPRECIATION
  FID CONTRAFUND
  FID DISCIPLINED EQTY
  FID DIVIDEND GROWTH
  FID EQUITY INCOME II
  FID EQUITY INCOME
  FID EXP & MULTINATL
  %
  FID FIDELITY
  FID FIFTY
  FID FOCUSED STOCK
  FID FOUR IN ONE IDX
  FID GROWTH & INCOME
  FID GROWTH COMPANY
  FID GROWTH DISCOVERY
  FID INDEPENDENCE
  FID LARGE CAP GROWTH
  FID LARGE CAP STOCK
  FID LARGE CAP VALUE
  FID LC CORE ENH INDX
  FID LC GR ENH INDX
  FID LC VAL ENH INDX
  FID MEGA CAP STOCK
  FID NASDAQ COMP INDX
  %
  FID OTC PORTFOLIO
  FID STK SEL ALL CAP
  FID TREND
  FID VALUE DISCOVERY
  FIDELITY MAGELLAN
  SPARTAN 500 INDEX
  SPTN TOTAL MKT INDEX
  %
  COLUMBIA ACORN Z
  FID GR STRATEGIES
  %
  FID LEVERAGED CO STK
  %
  FID MID CAP ENH INDX
  %
  FID MID CAP GROWTH
  %
  FID MID CAP STOCK
  %
  FID MID CAP VALUE
  %
  FID VALUE
  FIDELITY LOW PR STK
  %
  FIDELITY NEW MILLEN
  SPTN EXTND MKT INDEX
  %
  FID SM CAP DISCOVERY
  %
  FID SM CP ENH INDX
  %
  FID SMALL CAP GROWTH
  %
  FID SMALL CAP STOCK
  %
  FID SMALL CAP VALUE
  %
  FID STK SEL SM CAP
  %
  FID VALUE STRATEGIES
  FID CANADA
  %
  FID CHINA REGION
  %
  FID DIVERSIFIED INTL
  %
  FID EMEA
  %
  FID EUROPE CAP APP
  %
  FID EUROPE
  %
  FID INTL CAP APPREC
  %
  FID INTL DISCOVERY
  %
  FID INTL ENH INDEX
  %
  FID INTL GROWTH
  %
  FID INTL SM CAP OPP
  %
  FID INTL SMALL CAP
  %
  FID INTL VALUE
  %
  FID JAPAN SMALLER CO
  %
  FID JAPAN
  %
  FID LATIN AMERICA
  %
  FID OVERSEAS
  %
  FID PACIFIC BASIN
  %
  FID SOUTHEAST ASIA
  %
  FID TOTAL INTL EQ
  %
  FID WORLDWIDE
  %
  FIDELITY EMERG MRKTS
  %
  FIDELITY NORDIC
  %
  SPARTAN INTL INDEX
  %
  FID INTL REAL ESTATE
  %
  FID REAL ESTATE INC
  %
  FID REAL ESTATE INVS
  %
  FID SEL AIR TRANSPRT
  %
  FID SEL AUTOMOTIVE
  %
  FID SEL BANKING
  %
  FID SEL BIOTECH
  %
  FID SEL BROKERAGE
  %
  FID SEL CHEMICALS
  %
  FID SEL COMM EQUIP
  %
  FID SEL COMPUTERS
  %
  FID SEL CONS DISCR
  %
  FID SEL CONS STAPLES
  %
  FID SEL CONSTR/HOUSE
  %
  FID SEL DEFENSE
  %
  FID SEL ELECTRONICS
  %
  FID SEL ENERGY SVCS
  %
  FID SEL ENERGY
  %
  FID SEL ENV ALT ENGY
  %
  FID SEL FINANCIAL
  %
  FID SEL GOLD
  %
  FID SEL HEALTHCARE
  %
  FID SEL HOME FINANCE
  %
  FID SEL INDUST EQUIP
  %
  FID SEL INDUSTRIALS
  %
  FID SEL INSURANCE
  %
  FID SEL IT SERVICES
  %
  FID SEL LEISURE
  %
  FID SEL MATERIALS
  %
  FID SEL MED EQ & SYS
  %
  FID SEL MEDICAL DEL
  %
  FID SEL MULTIMEDIA
  %
  FID SEL NATURAL GAS
  %
  FID SEL NATURAL RES
  %
  FID SEL PHARMACEUTCL
  %
  FID SEL RETAILING
  %
  FID SEL SOFTWARE
  %
  FID SEL TECHNOLOGY
  %
  FID SEL TELECOMM
  %
  FID SEL TRANSPORT
  %
  FID SEL UTILITIES
  %
  FID SEL WIRELESS
  %
  FID TELECOM & UTIL
  FID GLB COMDTY STK

   

• Like everyone else, I’m taking a beating in my 401k. Stay conservative mutual funds or go money market?

  I’m 63 years old and would like to retire in three years. I’ve lost 1/3 of my 401k which might make me rethink my retirement timeline. Anyone a financial advisor out there? Thanks…

   

• I have money in mutual funds and want to transfer it to a money market account…?

  In that same mutual fund. The economy just looks terrible, and I don’t have the stomach to ride out years of this….it may be a bad decision but oh well – want to sleep at night.

  What are the pitfalls, tax-wise of doing this, and how easy or quick is it to just transfer it all into a money market account of the same mutual fund family?

   

• Should I sell off my mutual funds?

  The way the economy is going, I’m afraid I will loose all the money I have invested. I’ve already lost over 10% and it is alot of money. Should I cash out of my mutual fund investments and put it all in savings or money market accouts? I don’t have any stock.

   

• Where can I find a list of the top yielding Money Market Mutual Funds?

  I have been looking on morningstar but can’t seem to find a list.

   

• Will I have to pay any fee or any tax when transferring money from stocks to mutual funds?

  I had money in stocks for almost a year, now getting hammered with losses I am transferring money into a money market. Will there be any fees or taxes? HELPPPPP!

   

• Does money market funds generate more income than mutual funds?

  I’m looking for mutual funds based on growth and income. I’m also looking into Money market funds. Which one makes the most interest and profit?

   

• I’m wanting to put my money somewhere where it can earn some good interest! mutual funds or money market acct?

  I am 21 yrs. old. I’m trying to save money for marriage and a car. I want to keep my money where it will earn some significant interest. (not like my 1% savings acct. i have now!!!) what is the difference between mutual funds and money market accounts? what are the downfalls and advantages of both? which should i get?

   

• What is the differnce between money market funds and mutual funds? What risk is involved? Is either zero risk?

  Who has the highest rates?

   

• Is this a bad time to invest a lot in the stock market?

  I have a lot of my investments in a money market fund earning about 5.5% a year. I just got approval from the company I work for to invest with another B/D, so I was thinking of taking the money out and putting it into a trading account with mostly ETFs.

  It seems like the market has been rallying lately so I’m afraid of coming in at the top. Am I better off waiting for a down day? I know that if you lose a large % when you first invest it can be devastating for a portfolio.

   

• What is some good literature to learn a little bit about mutual funds?

  I’m wanting to start a Roth IRA and at the same time start some (relatively) short term (5 years) investing. I’m hoping to invest enough and invest well enough to have enough money to buy a modest house outright when I cash it out. If I put my money into a money market averaging 3.5% interest, I should have about %80K in 4 years. I’m hoping to invest and get at least 10% interest.

   

• Should I sell my mutual funds now?

  There might be a risk of recession coming. Of course, nobody knows if there will be a recession but there is a good chance.
  I know mutual funds investment is long term. Is it a good idea to sell it now, pocket the gain, put the money in money market and buy it cheap if recession does happen?

   

• How are mutual funds held in 401k protected?

  The govt is guaranteeing the money market funds value.

  But how are they normally protected? I know value fluctuates.
  What happens if a fund company goes under?

  Is it protected by SIPC, like the brokerage accounts are?

   

• What happen's if my FA forgot to execute a transaction of an exchange in mutual funds 6 month ago?

  Six month’s ago (May 19, 2009) I solicited my FA to exchange my money market mutual funds to a more aggressive funds (latin american and china equity mutual funds) but he forgot to made the exchange, obviously the funds are up a huge percentage, but my money is still in mmkt’s.

  is there a rule, regulation or law that protects me against claims five month ago??

   

• I have a questions about Seth IRA and Mutual Shares Mutual funds?

  My investor wants me to put a portion of my money in a seth IRA and mutual shares mutual funds. I just want to know if this would be a good investment , so far I have only dabbled in cd’s and money market accounts.

   

• Money market mutual funds versus On-line savings account?

  Hi there … Assuming one gets the same yield (pre-tax) from money market mutual funds & on-line savings accounts, is there any advantage of one over the other? For example, is the tax treatment of earnings different? Apart from feedback, if u can refer me to any article/publication, that would be gr8 too. Thanks, in advance, for your help!

   

• What's the tax rate on dividends from money market mutual funds?

  I’m trying to figure out whether to put some liquid savings in an on-line savings account on which, based on my understanding, the interest is taxable at the marginal income tax rate …. OR in a money market mutual fund which pays dividends … what’s the tax rate applicable on these dividends?

   

• Mutual funds, money market, how much do I need to have to start out?

  How much do I need to have to start a money market account? How much to purchase a mutual fund? Can I make small deposits into either one of these?
  I don’t have credit cards. I want to invest. I need to know how much you can start out with these two items, and can you make regular deposits.
  Please no solicitations, I will not reply.