Your Questions About How To Invest Money

Thomas asks…

How/Where do I invest money with the safest or zero risk of losing my investment?

I don’t know any good ways/companies to invest with that will guarantee 100% of my my money back.
Example: church, family business, etc.

John answers:

Here is a good way to do it.

Invest 100 $ in the following way. Put 80 $ in a money market fund. Assuming 4% interest the 80$ will grow to 100 $ in 6 years time. This is your money back guarantee.

Invest the other 20$ in an Stock Index ETF. Returns in six years will vary, but you have a good chance of winning a healthy percentage and a extremely small chance of loosing more than a third in six years. This joker part of the investment will be worth between 12 $ (at worst) and 30 $ (at best) after six years.

Helen asks…

how can I invest money in the usa stocks if I am a foreigner?

I would like to invest a little money in wall-mart stocks or GE stocks, I live in Mexico, can I do that?, does any body knows how that works?

John answers:

Go ask your broker and see if they participate in u.s. Stocks. They should.

Betty asks…

If you invest money into your business and the business loses money, how do the taxes work?

I want to start a business and I know most lose money in the beginning so I was wondering how the taxes work between filing business tax returns and personal tax returns. I wasn’t planning on doing a DBA so there would be two returns but do I claim business loss of revenue AND personal loss of investment?

John answers:

The money you invest in a business is not deductible most of the time. If you purchase assets they are normally depreciable which allows you to expense a portion of your investment. Revenue-Expenses=Profit or Loss. That profit or loss for a sole proprietorship is reported on a Sch C and carries over to the ordinary income section of your 1040. If your business is structured as a partnership more complex forms are filed but the principle remains the same. If you are losing money because your expenses exceed your revenue it is subtracted from any other form or ordinary income you have and the net effect is that it reduces your taxable income and tax. You may need to file a sch. Se and report and pay self employment taxes and dont forget to look into the requirement that you may have to make estimated tax payments. A corporation is a totally different entity considered in and of itself for tax purposes. Good Luck with you endeavor.

Daniel asks…

How do I invest money if I know nothing about it?

I’d like to invest a little money while I’m still in college. I’ll be graduating in about a year and a half, and I have a little bit saved up. I thought it might be smart to invest it rather than just hold it in a normal savings account. I’m looking for something with low-risk, and not neccesarily something that I have to pay attention to EVERYday. Any suggestions? Thanks in advance
I don’t really need to have the money right away after I graduate, I’m looking more for a long-term investment.

John answers:

Certainly, you really are thinking ahead, and that’s a good thing. While I may not know much about investing, I do know there are so many branches of investing fortitudes out there. I can, however let you in on one thing that I do know. If all else fails, Wine and Oil will not. My advice, search and find for yourself, there are a lot of venues to look into. I really hope you find what you are looking for. Benton1998@yahoo.com

Mandy asks…

How difficult is it to invest money into the Asian business market?

I’ve heard that 56% of the global market is outside of America right now and that most investors should have 10-15% of money invested into the Asian market.
I am not savvy at all about all of this but would like to get started if feasible.
How much would it take to get started in order to get a decent return on my investment?
Thanks.

John answers:

Investments in Asian Markets is profitable. As we know, all ovver thhe world, now the strategy is to deploy majority part of money in emerging markets such as India, China, Korea, Brazil. In the end it depends on your strategy how risk averse you are, as we all know, higher the risk higher the returns. You can discuss more with me if you want.

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