Talk:Investment

message: The costs on investments can be administrative fees or percent fees, taxes on gain , taxes on income, estate and federal taxes, spread on returns . This way considering all of them in a certain period (n) of time will improve our analysis  and with a certain average annual return on investment (ar)and risk of instrument (Rk), we  try to maximize the distribution made from that investment in a (m) period with m < n .
This analysis take importance when analysing long term investments alternatives for retirement and it is crucial to choose the best approach for an expected  outcome . 
The administrative costs are usually  fixed annual fees (af), annual spread on returns  , and charges on investments. This way the annual fees are fixed amount of money debited from the account in a determined period usually a year . 
The spread on annual returns is characterized by the difference between annual gained interest (agi) and annual credited interest (aci) on the account, with (agi)>(aci) . 
The charge on investments are basically divided in two :  charges on investment (chINV)or charges on capital(chCAP). The distinction is very important in the long period because a smaller percent of charges on capital can be much greater than bigger percent charges on investments .
:And the conclusion is what, in relation to this article? Want to add this as content? Jonathan G. G. Lewis 06:48, 4 March 2016 (UTC)
thread_title:  Total Costs of Investments 

message: Such a fundamental article should really have more than two citations. Also, the lead certainly needs some kind of rewrite. At best it's an oversimplification, but I think the usage of the word "scheme" and association with gambling reflects an NPOV problem. Certainly in American usage stocks and mutual funds are widely considered to be "investments", as shown by the Wall Street Journal's "Investment" section  which is dominated by information about stocks and mutual funds. Considering that all of my credit cards index their APRs to the Wall Street Journal, I would at least accept this usage as common usage whether or not it reflects technical definitions of "investment" and "speculation". Publicly Visible (talk) 16:37, 13 July 2011 (UTC)
thread_title:  July 2011 References, neutrality and lead rewrite 

message: According to the definition and combined with the EMH, no rational shareholder should analyze stock data; thus, none are investors and all are speculators.  Where is my logic flawed?  — Preceding unsigned comment added by Sigiheri (talk • contribs) 01:54, 5 December 2011 (UTC)
thread_title:  All rational shareholders are not investors 

message: Sections : Debt equity and free cash flow and Basics of the profit line seem to be detail re value investing and could be subsections thereof. - To balance that there could be mention of technical analysis/charting, and momentum investing ? - Rod57 (talk) 00:00, 12 February 2016 (UTC)
thread_title:  All about value investing 

message: I have substantially revised the early sections. Jonathan G. G. Lewis 06:37, 4 March 2016 (UTC)
thread_title:  Rewrite 

message: I noticed that my point about exchange rate risk for savings was edited out, so I've just added a line devoted to it. Jonathan G. G. Lewis 01:00, 10 April 2016 (UTC)
thread_title: Exchange rate risk for savings

message: Good afternoon everyone,
Long term investment is a pretty recent concept with different dimensions. There has been much discussion in the past few years as to how to define “long term investment”.
Several international organisations and national public think tanks have published on the subject (OECD, the French “Conseil d’analyse économique", the European Commission)
I thought it could be interesting to write a new chapter of the “investment” article or an independent article and try to sum up the different studies elaborated so far. This could serve as a “first entry” to the concept.
Tell me what you think about my little project! Needless to say I intend to rely only on the most public and respected sources of information, for instance: 
- European Commission staff working document “Long-Term Financing of the European Economy”, Accompanying the Green Paper “Long-Term Financing of the European Economy”, 2013, {COM(2013) 150 final}} 
-French « Conseil d’analyse économique »,  Investissements et investisseurs de long terme, report, 2010
- The OECD project on institutional investors and long-term investment 
	
- Former Italien minister Franco Bassanini and Edoardo Reviglio,Financial stability, fiscal consolidation and long-term investment after the crisis, in OECD Journal: Financial Market Trends Volume 2011 – Issue 1, May 2011
- World Economic Forum, The Future of Long-Term Financing, 2011 
- Bank of International Settlements, Committee on the Global Financial System (CGFS), Institutional investors, global savings and asset allocation, February 2007, Paper n°27, 
-The World Bank Development Research Group Macroeconomics and Growth Team Policy Research, Institutional Investors and Long-Term Investment, Evidence from Chile , Working Paper 6922,  June 2014
-Alvaro Enrique Pedraza Morales, The short-term objectives of long-term investors, in “All about finance”, Blog hosted by the World Bank, 04/28/2015
-World Bank, Global Financial Development Report 2015/2016 : Long-Term Finance, 2015 
-Eric S. Maskin, Long-term investment by japanese and american firms, Harvard University, 1995
-International Monetary Fund (IMF), Long-Term Investors and Their Asset Allocation where are they now ?, 2011 
-G 20 Financial Stability Board (FSB), Report on Promoting Long term Investment in Asia, 2015
-G 20 Financial Stability Board (FSB), Update on financial regulatory factors affecting long-term investment finance, 2014
Thank you very much !
Nuitblanchisseur (talk) 17:23, 10 May 2016 (UTC)
thread_title:  Proposal for a chapter or the article on Investment or an independent article on Long term investments  

message: Dr. Berghall has reviewed this Wikipedia page, and provided us with the following comments to improve its quality:
We hope Wikipedians on this talk page can take advantage of these comments and improve the quality of the article accordingly.
We believe Dr. Berghall has expertise on the topic of this article, since he has published relevant scholarly research:
*Reference : Elina Berghall, 2009. "R&D, investment and structural change in Finland: Is low investment a problem?," Working Papers 6, Government Institute for Economic Research Finland (VATT).
ExpertIdeasBot (talk) 20:31, 1 July 2016 (UTC)
thread_title:  Dr. Berghall's comment on this article 

message: Dr. Guidolin has reviewed this Wikipedia page, and provided us with the following comments to improve its quality:
We hope Wikipedians on this talk page can take advantage of these comments and improve the quality of the article accordingly.
We believe Dr. Guidolin has expertise on the topic of this article, since he has published relevant scholarly research:
*Reference :Guidolin, Massimo, and Giovanna Nicodano. "Small caps in international equity portfolios: the effects of variance risk." Annals of Finance 5.1 (2009): 15-48.
ExpertIdeasBot (talk) 18:49, 26 July 2016 (UTC)
replies: text: According to point 4 in the feedback above, "Brokers just provide execution." This doesn't appear to be true. What about discretionary brokerage? Jonathan G. G. Lewis 02:52, 9 February 2018 (UTC)
thread_title:  Dr. Guidolin's comment on this article 

message: Dr. Toivanen has reviewed this Wikipedia page, and provided us with the following comments to improve its quality:
We hope Wikipedians on this talk page can take advantage of these comments and improve the quality of the article accordingly.
We believe Dr. Toivanen has expertise on the topic of this article, since he has published relevant scholarly research:
*Reference : Tuomas Takalo & Tanja Tanayama & Otto Toivanen, 2005. "Selection Or Self-Rejection? Applications Into A Treatment," Industrial Organization 0510002, EconWPA.
ExpertIdeasBot (talk) 14:52, 8 August 2016 (UTC)
thread_title:  Dr. Toivanen's comment on this article 

message: "To invest is to allocate money (or sometimes another resource, such as time) in the expectation of some benefit in the future." It would be more concise to say "To invest is to allocate money, time, or another resource in the expectation of some benefit in the future." Less characters without changing the full meaning. Gordon410 (talk) 12:12, 12 October 2016 (UTC)
replies: text: I prefer either of these to the one shown currently. --Jonathan G. G. Lewis 07:42, 27 March 2019 (UTC)

text: The word "allocate" is more appropriate than "distribute" here to define the act of investing. To "distribute" tends to have connotations with profit distributions, including corporate tax, capex and distributions to owners, such as dividends to shareholders. --Jonathan G. G. Lewis 01:30, 28 March 2019 (UTC)

text: The projected economic return is the appropriately discounted value of the future returns.
Although it is true, it digresses from the basic explanation, without helping to clarify it.
--Jonathan G. G. Lewis 06:29, 4 April 2019 (UTC)
thread_title:  Lead revision 

message: Does United have IRAs? 24.178.168.180 (talk) 14:22, 3 January 2022 (UTC)
replies: text: Wikipedia isn't really the place to ask questions about your own investment options. I'm not sure which "United" you mean, but the best party to answer this type of question is the company itself. -- Beland (talk) 05:27, 8 January 2024 (UTC)
thread_title:  IRA 

message: — Assignment last updated by SurabhiSri (talk) 14:23, 30 September 2022 (UTC)
thread_title: Wiki Education assignment: Public Writing C1

message: The purpose of an investment is to move value across time, not to make money.  If I have some temporary value today (e.g., an ice cream cone that will soon melt), I invest by trading it for anything that has value tomorrow or some time in the future.  It doesn't matter that I get more for it.  I could trade 5 ice cream cones today for 1 ice cream cone tomorrow.  That is better for me, even if I have "less" tomorrow.
We are lucky that, now, most financial investments have a positive monetary return.  But, in the past, that was not true.  People would invest with a negative return --- pay a fee for someone to hold their gold in a safe --- in order to have a higher likelihood of value at a future date.  They had gold today and wanted gold in the future and the best investment was to pay some of that gold to someone.  
Even today, a positive return is not guaranteed.  Germany's 10-year bond had a negative yield for all of 2020.  The holders of it were still investing.
Mdnahas (talk) 19:46, 31 January 2023 (UTC)
replies: text: Better definition provided in the lead section now. Cerevisae (talk) 13:33, 1 March 2023 (UTC)
thread_title:  Definition is Wrong 

message: — Assignment last updated by Pa2360 (talk) 23:11, 29 April 2023 (UTC)
thread_title: Wiki Education assignment: Research Process and Methodology - SP23 - Sect 201 - Thu