Investing Guide

Let’s say you had a pretty good idea that if you bought 10 jars of pickles you’d make a lot of money, because from what you have been reading the demand for pickles was going to go up in the future. You pay fifty cents a jar, stash the jars in your pantry and sure enough — the price of pickles doubles and you make a $5.00 profit.

But, supposing you have to have 100 jars minimum to trade. What are you going to do? The answer is to find somebody that has 90 jars and “go in on the trade” with them. Both of you share in the profit when the jars are sold. This is gives you the “leverage” you need to sell pickles in a market you could not have entered otherwise. Continue reading ‘A Tale of Ten Jars Of Pickles: Six Advantages of Futures Trading’ »

Monthly income investments are a way to make sure there is still money coming in even if there is no longer any job to provide for a steady monthly income. This is especially important for those who just retired.

The economy has driven many people to lose their jobs, not because they are not good at it, but because the companies folded up or the companies retrenched in an attempt to stay afloat. And then there are others who had to retire or have reached the retirement age. It really does not matter what the reasons are, the important thing is to make ends meet. One way to do this is to get into monthly income investments. Continue reading ‘Monthly Income Investments: A Logical Move to Make Ends Meet’ »

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In last article we talked about SIP (Systematic Investment Plan) for mutual fund investments and the power of SIP in investment strategies. Now in this article I am going tell you about the tax benefits and tax structure related to SIP investment in mutual funds.

Any person in this country is bound to pay income tax to the government and hence, it is very important to understand the tax factors and how income tax applies to your investments and on the returns.

What Is The Tax Structure On Returns Generated With SIP Investment In Mutual Funds? Continue reading ‘Income Tax On Returns From SIP Investments’ »

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A lot of people have suffered sizeable investment losses in their individual retirement accounts (IRAs). They wonder if they can deduct these losses. Well they can. But they better be desperate for the money. Here’s how it works.

*The basis and basics of taxable gains and deductible losses:

A taxable capital gain and a deductible capital loss comes from selling an investment for more (a gain) or less (a loss) than you paid for it. The key words are ‘selling’ and ‘paid’. The amount you paid for your investment is called its ‘basis’. Until you sell, your gain or loss – i.e. the difference between the current value of your investment and its basis – is neither taxable nor deductible, whichever is the case. Continue reading ‘How and When Can You Deduct a Loss on Your IRA Investments’ »

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Silver is one of the best-returning assets of the last 12 months. I believe the recent run in silver is just the beginning. Keep in mind, during similar financial times (for example in the 1970s), silver prices shot up 3,733%.

You probably already realize one of the world’s best long-term investments right now is silver. But did you also know that you don’t need to buy ‘investment’ silver in order to take advantage of this trend? To learn more, keep reading.

One reason for silver’s surging investment potential is simple: Silver is real money, and money talks!

With government spending getting out of control, silver is where the smart money is going. Silver is also a great way to actually make money go further, instead of the wilting dollar. Continue reading ‘How to Make Money in Silver, the Future of Silver Prices’ »

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Simple advice can create problems that are not always simple to fix. One example is the advice that an investor’s age plays a central part of their investment strategy and asset allocation (for example standardised high risk strategies for young investors and conservative strategies because you are already, or close to being, retired). This advice is too generic and the individual’s circumstances and appetite for risk must be taken into account. If you follow this type of generic advice you may find yourself having sleepless nights and worrying needlessly about either investments considered too risky or of running out of money.

Today’s 65 Is Not Yesterday’s 65

A lot of investment advice is predicated on what might be called a life-cycle theory of investing. This is an idea that people go through predictable stages of their financial lives, accumulating more assets than savings in the early years, saving more in the high-earning years of middle age, and then very little, if any, saving throughout retirement. Continue reading ‘Investing By Age’ »

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?Mutual funds are fast becoming one of the most favoured options when it comes to building a portfolio of funds for retirement purposes or creating a fund portfolio that can easily be liquidated to take care of future education fees for children. Investments in mutual funds are safer than single stock purchases because with mutual funds, each type of fund comprises a specific group of stocks. This is a kind of in-house diversification in itself. In individual can purchase mutual funds by either approaching a broker for advice and or purchase or the individual can instead buy the funds online themselves.

For an online purchase of mutual funds, an investor needs to set up an account, typically they can download the application forms and then scan these back to the fund platform management team, they would be investor also has to mail the hard copy to fulfill anti money laundering requirements. Once the account holder has submitted the correct documents the account goes live. The client then starts the investment process by transferring money from his personal account to the new fund manager’s bank; subsequently the investor can select the exact fund he wishes to purchase. Continue reading ‘Buying Mutual Funds Online’ »

The greatest security that most people need in their old age is money. While family is an important support system, it is only when the old have the security of knowing they have enough money to see them through their old age that they fee truly comforted.

Old age can be difficult, especially when there is only one surviving spouse. However, even when both partners are still alive, it is most important to be financially strong to be able to enjoy old age and do all that you have dreamt of. Continue reading ‘Retirement Money – All That It Can Afford’ »

Gold and silver are increasingly being viewed as real money that is capable of storing its value and maintaining its position in the top list of sound investment ventures. What is the value of a silver dollar coin? This question has many answers for it depends on a lot of things. Among these are the price of silver, the kind of coin you have, the supply and demand status and many others.

Silver is generally priced by its current market value, also said to be melt value. Melt value is the value of silver that is melted down and sold by weight in the open market. Silver updates let you keep track of its melt value. Either look out on newspapers or online to view and read about silver updates in the current market. Continue reading ‘Keep Track of Your Investments With Silver Updates’ »

Your investment portfolio will typically include conventional investments such as stocks and bonds both equally important parts of a solid, long-term investment strategy. But, there are many other less-typical investments that can supplement your portfolio and provide you with opportunities to reduce some of the effects of market fluctuations. Consider alternative investments such as commodities, hedge funds, mutual funds with alternative strategies, and futures to round off your portfolio.

What are alternative investments?
Alternative investments are asset classes that generally don’t move together with traditional equity and fixed income markets. They usually follow their own cycles. As a result, alternative asset classes have a low correlation with standard asset classes; therefore they may help diversify your portfolio by reducing the overall volatility of the portfolio when traditional asset classes such as stocks and bonds are performing poorly.

Historically, alternative investments have been restricted to high-net worth individuals and institutional investors, but these days they are far more available to a wider audience. Alternative investments range from real estate to hedge funds to commodities and can complement a variety of investing strategies. However, they are designed to complement a well-founded portfolio rather than to serve as the focal point of the portfolio. Continue reading ‘A Look Into Alternative Investments’ »

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