For Beginners

How Much Time It Actually Takes to Manage Your Own Money

It can be shocking to look at how we spend our time. It’s common for successful people to look at their investment portfolios as a hobby – but should it really be treated that way? It is dubious that this approach benefits either the investor or the portfolio. Here’s an estimate of how much time …

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The 5 Most Annoying Things you are Too Busy to be doing with your money in 2019

It’s a new year and for busy people this is a time to re-evaluate how you are spending your time. Here are five time-consuming financial tasks that that those who have better things to do are too busy to be spending your time on in 2019. #1 Tracking gains, losses, and cost basis for your …

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The Amazing World of Market Indexes

Stock market indexes are by far the most widely used tools in making investment decisions. But many investors take for granted what market indexes are and the many roles they play within their portfolio strategy and throughout the financial ecosystem. In this article, we’ll take apart the core structure of an index and explain why …

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Learning the difference between a Wealth Advisor, a Portfolio Manager and a Trader

Like any natural habitat, the Wall Street ecosystem is populated with a wide array of forces interacting and competing with one another to ensure the greatest sustained benefit to themselves. This financial food chain includes everybody from the largest institutions down to the smallest retail traders and everybody in between. Things can get confusing, however, …

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Choosing your Investment Professional

One central factor to consider for choosing an investment professional is to know what type of compensation they receive: fee based or commission based. Those two types of compensation are today at the very center of a long heated debate in the financial industry regarding transparency, disclosures and professional duties. This is the debate between …

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Boost Your Savings: Create the Right Asset Allocation

Asset allocation is a methodology that involves building an investment portfolio around asset classes — including stocks, bonds, cash, real estate, and other investments. Nothing affects your long-term returns more than a good asset allocation plan. Rule #1 – Diversify Your Portfolio We all get the basic principles of “don’t put your eggs in one …

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What is a Portfolio and do I need one?

A portfolio is a combination of different investment assets mixed and matched for the purpose of achieving risk diversification for an investor’s financial goals. Items that are considered a part of your portfolio can include any asset you own – from real items such as art and real estate, to equities, fixed-income instruments and their …

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Investing Mistakes You Should Avoid

If we want to invest money successfully, each strategic step to investing requires our undivided attention or else this could lead to serious investment mistakes, which usually translate into loss of money. The good news is that we can avoid 99% of investment mistakes by identifying the right financial assets to buy and knowing how …

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How old should I be to start investing in stocks?

Investing in stocks is risk-fraught and it is not for the faint-hearted. Those of you imagining the lure of disproportionate profits who wish to introduce a young child to investing or take the plunge yourself might also have to brace for losing out big time if your bets go haywire. What is investing? Investopedia defines …

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Learn the difference between a mutual fund and a brokerage account

What a brokerage account is A brokerage account is an investment account opened with a broker or a firm that charges a commission or fee for buying and selling orders for an investor. Opening an Account To open a brokerage account, fill out an application either at a brick and mortar brokerage location or, if …

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How much savings should I have?

How much should you have saved throughout your life? This is a question you should be asking yourself sooner than later. According to a recent Bank of America survey, a surprising 16% of Millennials between the ages of 23 and 37 now have at least $100,000 saved for retirement. Some interesting stats below based on …

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My first investment: Savings and CDs

It’s a financial jungle out there, where to start for a first investment? Putting money into a savings account should be your first step to investing. Building up your savings from your monthly paycheck (say 15%) should be considered as your first investment since your savings account will generate annual interests income (between 0.5% and …

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Simple Words of Wisdom to be Successful in Investing

The first thing to know about money investing is that it is much simpler to achieve than you think, as long as it is done with discipline using the right methodologies. There are a lot of people out there that make it sound like it is all a very complicated process, but don’t be fooled …

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Know Yourself

We are all are trying to make money, but we all come from different backgrounds and have different financial needs. Some financial assets are only suitable for certain types of individuals, defined by their lifestyle and risk personality. We really need to understand our financial limits along with our financial objectives, that will tell us …

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How to buy Investment Products

Buying and owning investment products and financial instruments is Investing. You can buy financial instruments and all kind of investment products at a bank, broker, or insurance company. In many cases, these organizations pool the investment money they receive to make more large-scale investments, and each individual investor has a claim on a portion of …

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Description of Investment Products

Investment products are investment securities that are sold to individuals and institutions by investment banks. Here is a quick description of the main investment securities: Bonds Also labelled fixed-income securities, the term bond is commonly used to refer to any securities that are founded on debt. When you purchase a bond, you are lending out …

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