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Good Investments in the Stock Market
Although the decade began with a substantially down market, the leading stock market indexes have risen significantly. For investors, this is a good time to take stock of where we are and where we want to be, and plan how best to get there. What follows are a list of practical steps that can help all of us get our fiscal act together.
Periodically, it is a good idea to sit down and really figure out where you are with your finances. Pull out your banking and brokerage account statements, check your balances, and gather in one place all your fiscal information. Then take a good, hard look at what you see. If you have questions about the information presented on your brokerage or mutual fund statements, don’t ignore those questions. Speak up, ask questions, and get answers.
More Stock Market Investments Tips
After learning where you are, figure out where you want to be. What are your savings goals? Are they long-term (retirement, college education for your babies) or short-term (down payment on a house, college education for your high-school age kids)? Your goals determine your own personal tolerance for risk. If you’ll need your money in the short term, more conservative investments are appropriate. If you’re saving for the long haul, you might decide to take more risks. Just remember – your risk tolerance is a very personal matter, based on your age and your personal savings goals. Your neighbor or your Uncle Fred may be much more conservative or aggressive than you are. But that doesn’t mean their investing strategy is right for you!
Invest for the long term
Before you invest, make sure you have enough money to eat and put a roof over your head. Pay yourself first – get rid of high-cost credit card debt. But the earlier you get a start on your savings goals, the less you’ll have to put away monthly to reach them. Historically, the investment that has provided the highest average rate of return over the long term has been stocks. But there are no guarantees of profits when you buy stock. Markets go up and markets go down in the short-term. That’s why it is best to think long-term when considering stock market investments.
Long term investments
There is no better way — over the long term — to distribute risk than to diversify your investments. It is true that in some years, single stocks or individual sectors will outperform a diversified investment strategy, at least in the short term. But don’t forget that investors who hope to gain fantastic returns by investing in a single stock or one sector have also assumed the higher risks of a more narrow investing strategy. While diversifying your investments won’t bring you sky-high returns in boom times, it also means that you won’t lose everything when the boom times bust.
One way to diversify is to consider mutual funds. And here is where a little work can pay off handsomely – be sure to pay attention to a fund’s fees and expenses. Over time, expenses and fees can really make a difference. On an investment held for 20 years, a 1 percent annual fee will reduce the ending account balance by 18 percent.
Another way to diversify is to make sure that your retirement funds aren’t all invested in your employer’s stock. Even if that stock is a good long-term prospect, it is risky to have your retirement security depend in whole or in large part upon the fate of any one company.
Be honest. Do you really have the time and energy to adequately research individual stock investments? Most of us don’t have the experience and expertise of Wall Street traders who read financial statements for a living. It is important to be realistic about your own time commitments. Talking to co-workers and watching TV is not good investment research! That’s why many Americans begin investing not with individual stock picks, but with a broad based, low cost index fund. That way you’re broadly diversified from the beginning. As you find more time and gain confidence, you’ll know whether you’ve got the desire or interest to select individual stocks.
Safe Stock Investments
You owe it to yourself to check out any investment and investment professional with whom you do business. A few simple steps can save a great deal of heartache.
Before doing business with any investment professional, take full advantage of the power of the internet to check computerized databases for disciplinary information. Then contact your state securities regulator to find out if they have any additional information.
Before buying any stock, check out the company’s financial statements on the SEC’s website. All but the smallest public companies have to file financial statements with us. If the company doesn’t file with us, you’ll have to do a great deal of work on your own to make sure the company is legitimate and the investment appropriate for you. That’s because the lack of reliable, readily available information about company finances can open the door to fraud.
Always remember that people who sell investment products make money by doing so. Which doesn’t mean that they’ll give you bad advice, but it does mean that you’ve got to take responsibility for evaluating any recommendations you get. We advise people to never rely solely on an analyst’s recommendation when deciding whether to buy, hold, or sell a stock. Instead, do your own research-such as reading the prospectus for new companies or for public companies, the quarterly and annual reports filed with the SEC-to confirm whether a particular investment is appropriate for you in light of your individual financial circumstances. Don’t buy any investment product you don’t understand. And remember, any investment promising high returns necessarily carries a high risk that you’ll lose your money.
The Keys To Creating Independent Wealth
It will take time, but to create independent wealth, you need to build, buy and manage assets. What do I mean by assets? I mean stocks, government, corporate and municipal bonds, mutual funds, interest bearing accounts, businesses (including web based businesses), partial ownership in businesses, IP (including books, music, etc), rental real estate, etc. Investments that pay you money are assets. It will take time to build up enough assets that pay you enough so that you can quit your job and run for office or whatever you want to do.
You cannot really catapult yourself to wealth. No money down real estate is VERY risky. Most MLM salesmen don’t make very much money. Real bad scams abound. Take the time and build your portfolio of assets correctly. Study potential investments carefully. Be prepared to stick with your journey for the long haul. Hire an excellent fee only financial planner or broker to help you. Check for references and do a background check on your broker or financial planner! Prepare a complete business plan, research the market and the competition, and determine if your business is feasible, if you are going to start a business. Again, help may be required. And be advised, getting people to buy your stuff is HARD!
Read the Millionaire Next Door and model yourself after self made millionaires. Most self made millionaires live below their means and buy assets with the difference. The millionaires of the U.S. found profitable niches and exploited them. It took some time for the millionaires profiled to become wealthy. We are talking years. I would shy away from ANYONE telling me I could become wealthy instantly.
How much do you need to retire? You will probably need a million dollars, unless you are going to live as cheap as a college student. If you want to escape the rat race that bad, I would change careers and start a business on the side. A good withdrawal rate from your investments would be 5% or less.
Creating and executing your plan to create independent wealth won’t be easy, but don’t quit! Keep saving, investing, studying, learn new skills, and never quit, and I bet you have a good chance of ultimately reaching your goal.
It does not matter how much great information your web site contains if it is impossible for visitors, and visiting spiders, to find it. Navigation is your greatest tool to helping everyone find the pots of intellectual gold hidden beyond your homepage. Your visitors are like treasure seekers in your site-island. Make their journey easy and entertaining for making them come again. What you can actually do? In the menu navigation you can set all the links to your major inner content – category groups, services, features, content groups, forums and promotions. When you choose which links to put in the navigation bar, you need to have a clear vision of your site structure. A well-organized home page is good both for your user retention and for the search engine spidering. Talking about the navigation links, we can consider the importance of the top line path navigation. This thing is the way you to lead the spider and the visitors into your content, allowing an easy follow-up of the site structure. Remember that every page of your site needs to have an easy access both from and to the home page. This can be achieved either by linking your logo to point the Home page or setting a Home link in the top of the page.
Making money at home on the Internet has never been easier. With the right tools and the right information anyone can learn to earn! Hundreds of our visitors a day are learning how to make money using the internet and make anywhere between $500 to $5,000 a month Working part time or full time. Imagine what that kind of extra money could mean. We have been making a healthy living using the Internet for little more than a year. It wasn’t easy at first. We made some mistakes along the way but we have put together a good system that has made our lives a lot more comfortable. We want to share what we know to help others make money just as we have. We have put together a collection of the best resources and information that we feel can be of tremendous value to anyone wanting to make money from the comfort of their own home. Thank You for visiting.
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