Investing Guide

The silver investing outlook is bullish for the first decade of the 21stcentury. That bullish outlook is based primarily on the expectation of high inflation in the U.S. The high inflation is the result of the sharp increase in the number of U.S. dollars in circulation. The U.S. money supply increased over 300% in three years, late 2008 to late 2010. This sharp increase was required to fund deficit spending by the federal government, and to keep the U.S. debt market from collapsing (QE2) so that the deficit spending can continue. If the federal government reigns in deficit spending and decreases the money supply, inflation can be tamed and catastrophe averted. With inflation in control, the outlook for silver investing turns bearish. Continue reading ‘Silver Investing – Is the US Government Another Silver Lining?’ »

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Do you want to improve your trading? You will be hard pressed to find a trader who is not also an investor, but not all investors are traders. It is important to make the distinction between trading vs. investing. As a matter of fact, if you throw all traders and investors together, traders make up a mere fraction.

Trading is a job whereas the goal of investing is to create a passive income stream for the future.

Most people conduct themselves as investors and this makes sense. We are building towards a larger goal of becoming financially free and having our investments provide our income.

How You Probably Got Started

Chances are you began your trading journey as an investor, most people do. Putting money into a 401(k) plan at work, investing an inheritance from grandma or grandpa, or buying into Apple because the talking heads are making predictions on CNBC are all common ways people becoming involved in the markets. Continue reading ‘Why You Must Learn to Invest, Then Learn to Trade’ »

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In times of plenty, we seek safe haven for surplus cash that will generate passive income for the future. In times of need, some of us take desperate steps to increase our money supply to meet the demands of the day. Both actions necessitate investment decisions, decisions that many of us are oftentimes not qualified nor experienced to make wisely without help. Thus, begs the need to know the answers to the four “wives” (why, when, where, who) and one “husband” (how) questions with respect to investing and financial planning. This article will discuss the two most important pre-requisites to making wise investments.

As a licenced financial planner and a business and financial advisor to small and medium companies, I am often asked to give investment tips or advice. Whether I am a fantastic investment guru or tipster or not is immaterial as I would always avoid answering such questions without knowing and understanding the financial background, status and financial goals of the questioner. This article is not intended to be a primer in investing or financial planning as one can select a book on the subject in any good high street or online bookstore. Rather, I would like to share what I consider to be the top two amongst the many pre-requisites an investor should consider before making an investment decision. Continue reading ‘Investing Without Financial Plan and Goals’ »

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Precious metals have gained enormous value over the past few years. Most people know that the price of gold has skyrocketed but a lot of people do not realize that the price of silver has expanded also. In 2010 the price of silver grew over 60% and reached a price of $28.50 per ounce, which beat the gain for gold. Silver and gold prices have stayed in sync in previous years but the past few years silver prices have been increasingly more volatile than gold. At this point in time silver is worth almost $40.00 per ounce.

Silver is tied to the economy more than gold so that is why it has been on the rise. Gold is used for things such as jewellery while silver is used in a lot of industry products and tools such as fuses, batteries, photovoltaic cells, and electric switches. The demand for these items comes and goes with the virility of the economy. The market that silver is used in is a lot smaller than the market used for gold so an investor pick-up can make a huge impact in the small market. Continue reading ‘Is Silver A Good Investment?’ »

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5 Things to Look Out For When Investing In Your Retirement

How soon after retirement will you need access to your money? Knowing this can and will help you avoid unnecessary risks, penalties, and transaction fees. A good rule to invest by is if you are going to need that money within 3-5 years, it should be in stocks. Seeking the advice from your local Financial Advisor about where to put your money is a very good and sound place to start on the road to investing in your retirement.

Try avoiding fees and costs. There will always be a price for standard operating costs, this is just the nature of investing. Be careful though, do your homework and search for the best plan at the best rate that fits your needs. The price of doing business varies between competitors. Picking no-load funds is one way you can opt to go, and this will save you on any load fund fees. Load fund fees are applied to funds that are only available to you through an investment advisor or broker. Continue reading ‘Is Your Future Secure With Retirement Right Around The Bend?’ »

Load refers to the fee that has to be paid to the salesperson who has convinced investors to invest their money in a specific mutual fund. The fee you pay in form of a load to the salesperson that doesn’t reach to the financial advisory. Simply, it sprightly moves to the pocket of the salesman. If you want to know what are the loads disadvantages, then you need to take a look on these facts which can explain you more about it. These points are discussed below which are very essential to know before hiring a salesman services for your company.

Loads play no role in mutual funds

This is a kind of a fee that investor should pay to a salesperson to search the right place of their money. This is one of greatest disadvantages of the loads. So, when you are starting a mutual fund business, you don’t look for the loads services it can hamper your business goodwill and reputation. It is very complicated for the loaded mutual fund to pick with the load free amount for its some essential factors. Continue reading ‘Load Disadvantages – Don’t Take Any Kind of Extravagant Services Offered by a Salesperson’ »

Stock Market is a term which evokes a spectrum of emotions in different people. Some strongly feel it is nothing but gambling, some others feel it is a sure fire way to lose money. A few get a high on trading in stocks all day long. Some use it wisely to increase their wealth. The fears associated with the stock market have come down significantly since the early nineties and now a majority of people feel comfortable investing in the stock market. The article is specific for Indian investors though most of the ideas expressed are universal.

Investing in the stock market requires careful study, constant review and quick decisions. Cherry picking a stock and keeping yourselves updated about the company and timing your buying and selling can take up a major part of your time. This is where the Mutual Fund industry can lend you their hand. A Mutual Fund is managed by a Fund Manager and a team of analysts who take their time to study the stock market and invest your money. It saves you from all the hassles of stock market investing and you also have somebody to take care of your money. Continue reading ‘Mutual Funds – Key Points To Consider Before Investing’ »

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Most of us have a small portion of our portfolio that we are aggressive with. Small cap companies can be a good component of an aggressive portfolio, especially when mid and large cap companies seem overvalued. The stock prices of these companies are generally more volatile and can offer the investor higher returns. Unfortunately, this potential for higher returns is coupled with greater risk. Taking the time to evaluate a company’s business plan, financial statements, and management team can help you maximize your risk/reward ratio when investing in smaller companies. Continue reading ‘Evaluating Small Cap Companies for Investment’ »

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I have recently received many calls from clients who are concerned about their investment options for the conservative part of their portfolio. Corporate and municipal bond yields have dropped to levels where there are doubts on whether their real returns will keep up with inflation and taxes. Many investors feel that with the poor financial condition of many states, counties, and cities there is a legitimate risk of default on their paper. They have expressed that the risk to their principal is not justified by the meager yields and returns they are seeing. In addition, the recent market surge has led many clients to worry about the market being overvalued. They believe that the benefit of purchasing a blue chip stock with a 4 to 7 percent dividend is outweighed by the market risk of a 10 to 20 percent correction. Investors have witnessed the market continue to rise despite macro events like unrest in the Mideast, a dangerous Japan quake/tsunami, our own government’s budget crisis, and quantitative easing concerns. What options do investors have in this situation? Quality secured income funds and the use of covered call writing are two possible strategies. Continue reading ‘Investing in the Current Low-Yield Market Environment’ »

These bonds are open to children below 16 years and are taken for a minimum of 10 years. Investment is very flexible, with payments falling between £10 and £25 each month.

Investments are made in either of two ways: regular investments and lump sum investments. Under regular investing, you pay between £10 and £25 every month. You can also pay the annual sum total instead of making monthly deposits, which comes to between £120 and £270. Alternatively, you can make a lump sum investment, where you make a one-time payment of all the premiums you would have paid over the bond life. This method is popular with older parents who want the peace of mind that comes with knowing that their young one’s investment plan is taken care of, should anything happen to them. Continue reading ‘Consumer Guide To Child Savings Bonds’ »