Battle of the Titans: Flat Fees Or Commissions for your Financial Advisor?

Do you know what financial products you’re invested in? Do you know why? Do you know someone you can trust to tell you how your investments are aimed at helping you? While you may think you know the answers to these questions, there is a lot developing below the surface of the financial planning world. …

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Are Smart Beta ETFs better investment?

With the precipitous flow of investments into passive index funds and exchange traded funds (ETFs), the vast majority of cash in the market is tied to the performance of broad-based market indexes like the S&P 500, the Nasdaq Composite or the Russell 2000. While most financial advisors are the ones steering investments into these funds, …

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Should You Put money into REITs?

One of the least appreciated economic developments of the past decade of recovery from the 2008 financial collapse is the dramatic upswing in value of both commercial and residential real estate. According to the U.S. Census Bureau’s monthly home sales report, the average home price at the apex of the mid-2000s real estate bubble was …

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Should You Invest In Marijuana Stocks?

Marijuana refers to the plant scientifically known as cannabis; more specifically, three recognized species include Cannabis sativa, Cannabis indica and Cannabis ruderalis. The cannabis plant is a source of over 400 compounds, including 60 cannabinoids. Of the 60 cannabinoids, two in particular, delta-9-tetrahydrocannabinol (THC) or dronabinol, and cannabidiol, are the most widely tested for medicinal …

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5 Strategies To Continue Investing Into Retirement

Investing and saving for retirement is a hot topic in personal finance. Many advisors, bloggers, and influencers give hundreds of strategies on how to invest for retirement. However, many forget to mention how important it is to continue to build wealth during your retirement. Here are a few of the best strategies to make sure …

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What determines the price of a bond?

When bonds are traded in the secondary market, the price of the bond is influenced by the demand and supply of the bond. The other factors that affect the price are: Interest rates Bond price and interest rate share an inverse relationship. Interest rate in this case means the benchmark interest rate. Taking the same …

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Engaging in speculative and short term investments

The stock market’s daily all-time-highs can spell intimidation if you’re a new investor. On one hand, you want to participate. On the other, there’s always a fear of “buying the top.” With the abundance of information available on the web, coupled with Bitcoin and other spectacular cryptocurrency rallies, it’s no wonder many new investors feel …

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Should You Hire a Financial Advisor for Retirement?

Even seasoned investors don’t always take the do-it-yourself approach to saving for retirement. Sometimes, it may be worth it to seek out the advice of a trusted advisor to make sure you’re on track to retire. What’s A Financial Advisor? A financial advisor is a professional who, for a fee, offers financial advice to others. …

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Flaws and Biases that Prevent You from Managing Money Better

It’s not your fault, you’re only human. But because you are a mere mortal, you’re bound to be making some, let’s say, suboptimal decisions. Humans have systematic biases—as psychologists have proven again and again—that can get in the way of the best intentions. This is particularly the case with money. Most people “actually don’t know …

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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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Trading Futures? Know These Terms Before You Start

Part of your preparation in trading futures should involve learning able to speak and understand the language of the market. Arbitrage Some investors benefit from price discrepancies among different commodity futures markets. These investors analyze the prices of similar commodities in different markets and buy from the lower priced market. They then sell the same …

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Should you invest in Commodities?

If you’re already an investor, commodity trading can serve to diversify your portfolio. Commodities can be anything from oil to gold or silver to coffee, sugar and wheat. Unlike certain investments, commodities can hold and gain value over time. They can also be less risky. You’re not buying an intangible asset, but something tangible that …

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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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What is a Bond?

Though bonds as an investment class don’t generate the highest returns, they have their own appeal. They offer portfolio diversification, generate steady returns even in the face of a highly volatile investment environment, provide tax advantages and more. If you don’t know what bonds are and want to learn how to start investing in them, …

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How to Invest in Stocks

Why People Invest in Stocks Investing in stocks can be a good way to build wealth. Due to the magic of compound interest, a small initial investment can eventually grow to a treasure trove, if properly managed. For example, the world’s most famous investor, Warren Buffett started investing in equities around six decades ago and …

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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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