1. Your Questions About How To Invest In The Stock Market
With Little Money
Carol asks…
How can a 15 year old with only £100 get started with investing in
the stock market, mutual funds etc.?
I only have £100 from pocket money. I have always been a business-orientated person and I'm
becoming more interested in stocks now. I want to get involved but the only thing is I don't
know how to get started. Plus I have little starting capital. With the little money and
knowledge I have, how can I learn more and get started with investing? Thanks for your time.
Steve Winston answers:
Investing Tutorials - Basics
http://www.investopedia.com/university/buildingblocks.asp#axzz1b0PGJiek
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2. Susan asks…
College-age students in the stock market?
I know this may sound like an uncommon question, but Im looking for input from someone more
knowledgeable than I. I am a college freshman, 19 years old, working towards a four-year
biology degree with plans for graduate education, most likely medical or pharmaceutical school.
I have a network of extended family that is comfortably retired from the financial industry after
doing considerably well in it. To make a long story somewhat short, they were advising me on
saving for my education over Thanksgiving dinner today. In addition to the savings I have
accumulated in various bank accounts, CD's and bonds, they have advised me to also invest a
minor amount of money in the stock market and establish a portfolio at a young age. I'm a
little apprehensive about this, especially given the volatility of the market today. I told them that
I didn't think investing in stock is appropriate at my age and that I should go for more
conservative options. However, their point was that is important to diversify my savings among
various sources, including stocks.
What do you think about college students getting involved in the market, and how should I go
about doing it (if at all?)
Steve Winston answers:
Your safest bet is a Total Stock Market Index Fund or ETF. These funds literally own every
stock in the market, so when times are good, they go up in value. When times are bad (like
now) they go down, but will regain their value when the economy eventually improves, as it
always does. There's no way their value can go all the way to zero, unless the stock market
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3. somehow ceases to exist, in which case you most likely have worse things to worry about than
your savings
Also, the dividends paid by the stocks in the fund are collected and divided equally among
members, so you will get dividend payments that you can spend or reinvest as you see fit.
It is safer than trying to pick stocks in individual companies, which can permanently lose value
or go out of business all together. It is also cheaper than regular mutual funds, which charge
higher fees.
Ask your family members with history in the finance industry about an index fund or etf that
tracks the entire US stock market and see if they think it is a good choice for you.
Donald asks…
Why did Jesus teach that the kingdom of Heaven and the stock
market are alike?
The one with 5 got 5 more. The one with 2 got 2 more. The one who didn't invest at all was
punished. Jesus is telling us that we must aim to get 100% return for our money or else we'll be
punished with poverty. The only way to do that is with the stock market. Jesus says that
investing in the Stock Market is like the kingdom of Heaven? If so, we should all invest in the
stock market.
I say, "Let's put our money aside for a moment and just be decent to one another. But Jesus
says to always be investing and getting 100% return?
Parable of the Three Servants
14 “Again, the Kingdom of Heaven can be illustrated by the story of a man going on a long trip.
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4. He called together his servants and entrusted his money to them while he was gone. 15 He
gave five bags of silver to one, two bags of silver to another, and one bag of silver to the
last—dividing it in proportion to their abilities. He then left on his trip.
16 “The servant who received the five bags of silver began to invest the money and earned
five more. 17 The servant with two bags of silver also went to work and earned two more. 18
But the servant who received the one bag of silver dug a hole in the ground and hid the
master’s money.
19 “After a long time their master returned from his trip and called them to give an account of
how they had used his money. 20 The servant to whom he had entrusted the five bags of
silver came forward with five more and said, ‘Master, you gave me five bags of silver to invest,
and I have earned five more.’
21 “The master was full of praise. ‘Well done, my good and faithful servant. You have been
faithful in handling this small amount, so now I will give you many more responsibilities. Let’s
celebrate together!’
22 “The servant who had received the two bags of silver came forward and said, ‘Master, you
gave me two bags of silver to invest, and I have earned two more.’
23 “The master said, ‘Well done, my good and faithful servant. You have been faithful in
handling this small amount, so now I will give you many more responsibilities. Let’s celebrate
together!’
24 “Then the servant with the one bag of silver came and said, ‘Master, I knew you were a
harsh man, harvesting crops you didn’t plant and gathering crops you didn’t cultivate. 25 I was
afraid I would lose your money, so I hid it in the earth. Look, here is your money back.’
26 “But the master replied, ‘You wicked and lazy servant! If you knew I harvested crops I
didn’t plant and gathered crops I didn’t cultivate, 27 why didn’t you deposit my money in the
bank? At least I could have gotten some interest on it.’
28 “Then he ordered, ‘Take the money from this servant, and give it to the one with the ten
bags of silver. 29 To those who use well what they are given, even more will be given, and they
will have an abundance. But from those who do nothing, even what little they have will be taken
away. 30 Now throw this useless servant into outer darkness, where there will be weeping and
gnashing of teeth.’
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5. Steve Winston answers:
In Aramaic, the idiom used to describe sin had economic implications. There was no way to talk
about sin except through the metaphor of debt. The way in which we talk about something
obviously affects how we understand that thing, therefore, in Jesus' time, the idea of sin was
inseparable from the idea of an economy, or of debt. It makes sense, then, that many of his
teachings equate the two.
Lisa asks…
Investing in the Stock Market?
Hi. I'm 20 years old. I want to know all about how to invest in the stock market. What's the
best website to start an account with, is there one that doesn't have a ridiculous account fee?
HOW to I invest in stock? About how much profit do you make, a little or a whole lot? There's
so much information on it, I don't even know where to begin to look. I need to know basics,
about how much you invest, and how much you get back from investing. Do you get money
automatically? Details please. I really would like as much help as I can get. Thanks!
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6. Steve Winston answers:
Read Investing For Dummies - it's for beginners, and you can get so many questions answered
though
an easy to read and understand format.
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