Investing for beginners

Easy-to-follow bite-sized investing explainers to help you quickly dive in.

Types of Stocks

There are various types of stocks in which to invest. Not all of them offer your portfolio the same.

What Are Stock Futures?

Stock futures are derivative financial contracts that require the buyer to buy and the seller to sell at a set date and price.

What Are Semiconductors?

In the scientific world, semiconductors are materials that conduct current – partly (hence the name). They play a major role in tech for investors.

How to Invest in Commodities

There are five basic ways to invest in commodities: commodity futures, commodity pools, ETFs and ETNs, stocks, and mutual funds.

What are Preferred Stocks?

Preferred stocks are hybrid investments that combine features of stocks and bonds.

What Are Performance Disclosures?

Performance disclosures don’t just cover a broker’s rear end – they provide investors with crucial information.

What Does It Cost to Invest?

When you start investing, there are several types of fees to familiarize yourself with so as to not be caught off guard by the cost to invest.

What Are Fractional Shares?

Fractional shares are fractions of a single share of a company’s or ETF’s stock.

What Is a Double-Dip Recession?

A double-dip recession occurs when the economy starts to recover from one recession, then slides into another.

How to Calculate Crypto Tax

Have you cashed out on crypto gains? With new guidelines on taxable events, you have the tools you need to calculate your crypto tax bill.

What Are Subsidized and Unsubsidized Loans?

If you have to go into debt to get through school, subsidized loans are one of the cheapest options. But for students who don’t qualify, unsubsidized loans may still be cheaper than private, higher-rate loans.

How Do You Calculate the Cost of Living?

Cost of living, or COL, refers to the amount of money required to cover living expenses in a set place or time.

How Does Supply and Demand Affect Investors?

Supply and demand works in the stock market, just as it does in the broader economy.

What Is a Fiduciary?

Wondering what a fiduciary is and how to choose the right one? We have the tips you need to hear. Read this article to understand who is a fiduciary.

What Are Cannabis Stocks?

The legal cannabis market is expected to be worth over $73 billion by 2027, providing plenty of opportunities for investors to get in on the ground floor.

How Does a 1099-DIV Affect Taxes?

Looking for instructions for 1099-DIV? Learn what this IRS form is and what you need to know about it to file your taxes correctly.

3 Reasons Our AI Might Move Your Money to Cash

What Is the Difference Between Investing and Gambling?

Investing and gambling appear to be similar activities on their faces. Essentially, you’re throwing money in a pot and praying that you see a return on your capital, risking your pocket change (or your life savings) for a chance at riches.

How to Reduce Investment Risk

Investment risk is the potential that you’ll lose the money you invest. Want to avoid it? In this article, we teach you how.

What is a Long-Term Investment Strategy?

Long-term investment strategies simply involve investing long-term.

What Is Social Security?

Social Security is the catch-all term used to describe benefits paid out by the Social Security Administration (SSA).

How to Start Investing Young (Under 18)

Learning how to start investing under 18 can teach invaluable skills early. Take advantage of compound interest and find out how to get started here.

What Are the Different Market Sectors?

Stock market sectors divide public companies into categories based on their line of business. As of January 2023, the Global Industry Classification Standard details 11 market sectors.

How Should You Deal With Market Losses?

Did you know there are technically four types of market losses? Learn with Q.ai as we identify them and teach you how to cope with market loss.

What Is Risk Tolerance?

How much risk can you stomach? Risk tolerance is described as the degree of variability in investment returns that you’re willing to withstand.

What Is a 401(k) Plan?

A 401(k) plan is a type of retirement plan that helps you to save for your financial future.

What Does Account Liquidation Mean?

Liquidation is the process of turning illiquid assets into liquid ones – i.e., cash.

What Is ROI?

ROI refers to your return on investment, which means how much you earn from investing.

What Is a Recession?

Recessions are destructive in that they typically create widespread unemployment, which is why so many are typically impacted when they occur. As the unemployment rate rises, consumer purchases fall off even more. Businesses can go bankrupt.

What Do Companies Discuss at Shareholder Meetings?

Shareholder meetings provide a forum for shareholders to hear from and engage with management.

What is a Money Market?

The money market refers to short-term debt products characterized by high safety and low returns.

How to Minimize the Tax Impact for New Investors

No investor wants to see their profits consumed by the seemingly ever-hungry Uncle Sam. Thankfully, there are several ways to minimize your tax burden in investment situations.

What Are the Different Approaches to Investing?

Depending on factors like your risk tolerance and investment goals, there are different types of investors.

What Is a Custodial Brokerage Account?

A custodial brokerage account is an account opened by an adult, or custodian, in the name of a minor under the age of majority. Learn more with Q.ai.

What Is a Buyer’s Market?

A buyer’s market occurs when an asset’s supply exceeds demand, driving down prices and limiting sellers’ negotiating power.

How Can AI Chatbots Help With Investing?

AI chatbots have catapulted investors to new heights thanks to increased access to information and automated expertise.

What Is Accruing?

In finance, accruing often refers to interest earned (such as on a loan or bank account), income or debts.

How to Use AI to Make Money

It's never been easier to use AI to make money.

Why Investing Does Not Impact Your Credit Score

Your credit score is determined by credit (i.e., debt) related factors like your balance and payment history. As such, investing doesn’t directly impact your credit score (except in rare, specific circumstances).

What Are Asset Classes?

An Asset class is a category of investments with similar behaviors. Learn what the different classes are and how they can influence your investment decisions.

What Is After-Hours Trading?

Do you want to get into after-hours trading? Or do you want to know how it affects day trading? Learn with Q.ai as we teach you the basics.

What Is Income Investing?

What is income investing? Income investing focuses on buying securities that provide a steady source of revenue. Click here to learn more from Q.ai.

What Are Panic and Exuberance?

Market panic and exuberance both describe investor behaviors that drive certain financial cycles.

What Are the Taxes On Capital Gains For Crypto Holders?

Cryptocurrencies are taxed at long- and short-term capital gains rates, depending on how long you hold them and your income.

What Are Record Highs and Record Lows?

Indices and stocks’ record highs and lows measure the highest or lowest historical price reached during trading.

How Do Qualified Dividends Work?

Qualified dividends earn special tax treatment that adds up to big savings for investors. Q.ai has the scoop on using these payouts to your benefit.

How Do the Fed Decisions Affect the Markets?

The U.S. Federal Reserve is tasked with managing monetary policy, moderating inflation and promoting healthy employment levels.

What Are Gold Futures?

‍Gold futures are standardized, exchange-traded contracts that commit a buyer and seller to a future sale.

What Does a Financial Advisor Do?

While there are certainly benefits to working with a financial advisor to invest your money, you can absolutely save yourself the fees and do it on your own.

What Is an Artificial Intelligence Certification?

Obtaining an artificial intelligence certification is one way to prove you have the skills to get ahead.

What Does the FTC Do?

The Federal Trade Commission (FTC) enforces federal antitrust and consumer protection laws to prevent fraudulent, deceptive or anticompetitive business practices.

What Is a Hedge Fund?

Hedge funds in some ways operate like mutual funds, pooling investor money into strategic investments — except hedge funds focus on more intense, alternative, and often riskier opportunities that regular investors can’t access.

Bull and Bear Markets

Bull vs bear markets: What’s the difference? Learn about the bulls and bears in stock trading and why it matters for your portfolio here, with Q.ai.

What Is Momentum Investing?

Momentum investing involves hawkishly watching the market and betting on discrepancies in financial reports. Read more for all the basics.

What does dilution mean?

Share dilution occurs when a public company increases the number of outstanding shares available for trade.

What Are Emerging Markets?

What are emerging markets? Emerging markets are countries that are transitioning from closed to open markets and industrialization. Learn more from Q.ai.

What are “Blue Chip” Stocks?

Large companies with great track records issue Blue Chip stocks. Because these stocks are so reliable, many people use them as core portfolio investments.

What Is a Balance Transfer?

A balance transfer often refers to moving the balance of one debt to a credit card with better rates or terms.

What Does the FDA Do?

The Food and Drug Administration (FDA) assures the safety and effectiveness of certain medical, food and veterinary products.

How to Calculate the Percentage Gain or Loss on Your Investments

What Are Company Shares?

Private company shares are a type of stock exclusively issued by private firms, such as limited liability corporations (LLCs) and S- or C-corporations.

What Are Consumer Cyclical Stocks?

Consumer cyclical stocks are issued by companies that sell non-essential goods. Learn how the changing economy affects their performance with Q.ai!

What Is a Consumer Stock?

Companies that produce or sell everyday goods offer consumer stocks.

How Do Taxes Work for Investors?

What Is a Brokerage Account?

What is a brokerage account? Learn how brokerage accounts help everyday investors access the investment market and what it means for you.

What Is a Bond?

A bond is a fixed-income securities between lenders and issuers. Here's what you need to know about bonds.

How Do Benchmarks Work?

A benchmark serves as a point of reference for measuring and analyzing how something else performs. Here's how they work.

Who is Sam Altman?

What Are International Investments?

International investments are the securities that you purchase across international borders.

What Is a Dividend Stock

A dividend stock is a publicly-traded company that distributes a portion of its earnings to shareholders through cash payments. Learn more with Q.ai.

What Is an Endowment?

An endowment is a legal structure (read: a fund) that pools, manages and invests donated assets to fund specific goals.

What are Common Stocks?

A common stock is a type of security that represents individual ownership in a corporation.

What Are Commodities?

In investing, commodities may take one of four basic forms: energy commodities, precious metals, livestock, and agriculture.

What Are Bid-Ask Spreads?

A security’s bid-ask spread indicates the price that buyers will pay and sellers will accept. Q.ai explores how they impact your financial strategy here.

Who is Ray Dalio?

What Does it Mean to “Buy the Dip”?

When you “buy the dip,” you buy an asset after its price drops on the hopes it will recover quickly.

Who is Warren Buffett?

What Is a Meme Stock?

A meme stock is a stock that can fit almost any other classification: growth, value, industrial, small-cap, large-cap, or anything in between.

What is a Crypto Wallet?

A crypto wallet is a device or app that stores your passkeys to access, receive and spend digital currency.

What Are Defense Stocks?

Defense stocks operate in a critical sector, designing, manufacturing, distributing and maintaining defense-related goods and services.

What Is an Index Fund?

An index fund holds a unique place in the market as a "basket” that contains most or all of the securities in a specified index.

How Is Artificial Intelligence Good for Society?

It’s undeniable that AI has already helped improve society.

How to Become an Investment Banker

What Does FDIC Insurance Cover?

What Does FDIC Insurance Cover?

What Is a Dividend ETF?

Dividend ETFs focus on bringing in income through dividend returns. These passively managed funds usually have low expense ratios while providing higher dividend payments than other types of ETFs.

What Is a Direct Public Offering (DPO)?

A DPO—a direct public offering or direct placement—happens when a company offers existing securities directly to the public.

50/30/20 Budget

How Does the Housing Market Work?

The housing market contains all the properties going up for sale or rent at any given time.

What Is a Family Office?

In finance, a family office is a privately held wealth-management firm that provides specialized services to a family or families.

What Are Equities?

What are equities? In simple terms, equities are securities that give their investors an ownership stake in the issuing company. Learn more from Q.ai.

How to Calculate ROR (Rate of Return)

Rate of return (ROR) measures your net gain or loss on an investment over a specified period of time.

What is a short-term investment strategy?

Short-term investment strategies rely on highly liquid assets and accounts to store money for near-term goals.

What Is a Universe of Securities?

A “universe of securities” simply refers to any grouping of securities that shares a common feature.

What Is a Trading Platform?

Trading platforms are the go-to place for trading and managing investments. Want to know more? Read this blog to learn the basics.

What Is Automated Investing?

Automated investing uses computer algorithms to tailor investment advice to specific individuals. Typically used by robo-advisors, it’s best suited for investors who prefer taking a hands-off approach to their investments.

What Is a Recurring Deposit?

A recurring deposit refers to a regularly occurring, automatic deposit that you make. For example, you may set up a monthly recurring deposit for your portfolio to automatically invest the same amount at the same time each month.

What Is a Rolling Recession?

A rolling recession, also called a rolling adjustment recession, “rolls” through an economy in patches.

What Is a Seller’s Market?

A seller’s market occurs when the supply of a particular asset (usually housing) falls short of demand.

What Is an Overvalued Market?

A market can become overvalued for a number of reasons including investor emotion, economic activity and value traps. % %

What Is a P/E Ratio?

P/E ratios, sometimes called price or earnings multiples, measure a company’s value by comparing the share price against its earnings per share (EPS).


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