1. Intro
For risk consideration, especially as a beginner. I think it’s a good idea to place large portion of my investment into the low-risk investment first.
I plan to do some research first.
- What options do I have
- What’s the pro and con of each of them
- Should I diverse in low risk investment
- Tax consideration
2. What
Bonds
- Treasury: higher rate, but not tax-free, 5%
- Municipal: lower, but tax-free
Money Market Funds (Cash account in Webull) 5%
Index Fund 20+% recent year
- SP500：medium risk, across diverse company
- Dow Jones: medium risk, 30 large company
- NASDAQ: medium to high risk, focus on tech
3. Wash Sale Rule
If loss, sell and buy within 30days, the loss is not counted for tax deduction
4. Trading Time
General:
ET: 9:30AM to 4:00 PM, that is 6:30AM to 1:00PM in PT
Pre-marketing: 4:00AM to 9:30AM, that is 1:00AM to 6:30AM in PT
After-Hours: 4:00PM to 8:00PM, that is 1:00PM to 5:00PM in PT
Consideration
- Higher volatility
- Not all stocks available for trading