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Retirement Investment Strategies Quiz – Are You on the Right Track to Investment Success?

Posted by admin on February 8, 2011 0 comments

Retirement Investment Strategies Quiz – Are You on the Right Track to Investment Success?

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Home Page > Finance > Investing > Retirement Investment Strategies Quiz – Are You on the Right Track to Investment Success?

Retirement Investment Strategies Quiz – Are You on the Right Track to Investment Success?

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Posted: Aug 31, 2009 |Comments: 0
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How safe is your retirement money? Do you have faith that it will grow — and do so safely enough and quickly enough to help you enjoy your retirement? Take this quiz and find out if you are using the retirement investment strategies that will make that happen:

1. Do you believe you can time the market by following your gut feelings?

2. Have you lost a lot of money during the last two years?

3. Do you have all or most of your money in mutual funds?

4. Do you get your investment advice from your insurance salesman or your friends?

5. If you do have an investment advisor, does he or she get paid through commissions?

Here are the answers:

1. Making investment decisions based on your gut feelings has gotten a lot of people into big trouble. Instead of buying low and selling high, which would result in profits, your emotions are bound to guide you in the opposite direction. What works much better is to develop sound retirement investment strategies and create a plan with the help of an experienced fee only financial advisor — and then sticking with that plan, unless your advisor suggests other actions.

2. Chances are your answer to this question is yes. Most investors have lost huge amounts of money during the last two years. How can you prevent that from happening again? By going with safer investment strategies. Talk with your investment advisor about the absolute return investment strategy — which is designed to help preserve and grow money safely.

3. If you have a 401(k), an IRA, or a similar retirement plan, chances are good that the answer to this question is yes. Unfortunately, that’s not in your best interest. Did you know that most mutual funds perform less well than even their benchmark index funds? And if this weren’t bad enough, mutual funds also come with hefty fees to pay for the fund managers, advertising, and more. What’s the alternative? There are several, but the easiest and least complicated would be to buy shares of index funds. They’re bound to perform better and come with reduced costs.

4. Just like you want a medical specialist if you have a serious medical problem, you also should talk to someone who specializes in investing if you want investment advice. Your friend may have had a winning stock at some point, but chances are good that he or she doesn’t know too much about the reasons why this stock did so well, and would be unable to replicate that performance with other investment vehicles. If you want expert advice, it’s always best to talk with an expert.

5. This is a key question. If your investment advisor is paid in commissions for their advice , they’re not working for you. Be sure to ask any prospective advisors how they get paid, and look for fee only advisors. That way, you know that their fiduciary responsibility lies with you.

So how did you do? If you answered yes to even just one or two questions, you could probably get much better results by consulting with an experienced investment advisor. If you answered Yes to more questions, you should definitely get expert help with your retirement investment strategy.

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Consider a low stress, high-yield retirement investment strategy that minimizes losses and maximizes results. Watch fee-only investment advisor Steven Floyd‘s free 1 hour video to learn all about it. And here’s a related article on investing money safely.

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Unique Investment Strategies and Opportunities

Posted by admin on December 27, 2010 0 comments

Unique Investment Strategies and Opportunities

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Unique Investment Strategies and Opportunities

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The majority of of the USA has been hit hard with the economic depression. With money becoming tight, people are probably looking for alternative ways of getting money. Getting a job, cutting back on luxuries, clipping coupons, and starting savings accounts are all ways Americans have probably tried to save money. A method people might not have thought of is to keep an eye out for a investment opportunity that sounds interesting. There are several distinct ways to invest money, but finding and picking the right investment opportunity may become confusing, especially for individuals who haven’t invested before. Luckily, there are organizations available who specialise in investment and lending. There are numerous ways to discover the perfect investment opportunity.
To discover the right investment, examine the holdings you currently have. Additionally, look in to the possible connections you may already have that might provide you some tips on investing your money. However, business connections are not only great for giving advice. They might even be in the process of building a company and might be searching for funding. Investing in a new organization will include risk, but might also turn out extremely rewarding.
One other way to find a great investment opportunity is to perform some studying on the web. You can look for sites, blogs and forums, and other on-line publications that have to do with your specific area of experience. This is an easy way to get opportunities for investment that may be of interest to you. Also, discovering publications on the internet that are in your area of knowledge may be more useful in the long run because you can have more of an idea which investments are worth it and which are too risky.
Finding an investment opportunity in your community may be a smart way to start investing. To discover local opportunities, take a look at magazines and papers that accommodate to small businesses. Many of these publications will have listings for investments. They may also include articles or ads on startup businesses that are looking for investors with startup funds. You may also go through the phone book to find businesses that interest you. You can then contact these organizations directly or maybe analyze them more thoroughly to determine the opportunities available for investment.
There are a lot more investment opportunities around than just small businesses or companies just trying to get off the ground. You may also think about investing in franchises too. Placing your cash in to a franchise is wise due to the fact you can easily look into the company’s monetary history, successes, and past failures. This will give you a better idea of what you are getting yourself into when you invest your money.
Networking with other investors and business specialists will assist you to determine whether to invest money in a particular company. Attending industry seminars hosted by universities or seminar groups will allow you to meet and network with people who could become business connections later.
One thing individuals may not have thought to look into for investment strategies is a university or college. Groups and individuals at campus universities often make business proposals. Looking in to business proposals from student organizations is a method for investors to get ahead of other investors who may be searching for a comparable product to make investments in. Also, these business proposals are probably really well-researched with fairly current organization information, since these proposals are typically done as part of class project. Not many other investors would probably think to look to universities as a means for discovering investment strategies. It is a unique investment opportunity.

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A graduate from high school, attending college specializing in writing.

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Investment Strategies – Seeing Value in Technology and China – Bloomberg

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Analysis and Discussion with Michael Jones of Riverfront Investment Group (Bloomberg News)

Investment Strategies – Opportunities in Municipal Bonds – Bloomberg

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Investment Strategies – Managing Your Money While Investing in Turmoil – Bloomberg

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Analysis and Discussion with Eric Ristuben of Russell Investments (Bloomberg News)

Investment Strategies – Be Defensive When Markets are on Top – Bloomberg

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Analysis and Discussion with Leo de Bever of Alberta Investment Management Corp. (Bloomberg News)

Seven Strategies For Investing During Volatile Markets

Posted by admin on July 14, 2010 0 comments

The markets don’t always behave the way we’d like them to: Geopolitical turmoil, natural disasters, interest rates and world events can have a profound effect on market movements. If recent market volatility has you concerned about the economy, you are not alone; this is a confusing time for many investors. Some have decided to stay the course, while others are sitting on the sidelines waiting for the market to rebound. However, since no one can predict how the markets will perform, it’s important to develop an investment strategy that can help you stay on the right track to meeting your long-term financial goals. Here are some strategies that you can implement today, that may help to manage risk during these uncertain times.

Work with a Financial Advisor. There are a lot of do-it-yourself investment resources available to investors today. However, none of those resources can replace the experienced, personal service a Financial Advisor provides. A Financial Advisor can offer an understanding of your complete financial picture, not just your investments. Additionally, in periods of market volatility when you need the most support, a Financial Advisor can provide:
• Access to important decision-making research and information;
• Ongoing monitoring of your investment portfolio, while anticipating your changing needs; and
• A comprehensive market-volatility plan.

Have a plan. Developing a financial plan is one of the best ways to meet your long-term goals. Your plan should also include an action plan to address market volatility, which should be developed well in advance of a turbulent market. Having a market-volatility plan will help you to set realistic goals and appropriately manage your return expectations.

Invest regularly. It may not seem intuitive, but investing regularly—even during market downturns—can help to reduce your overall costs. Dollar cost averaging is one of the best ways to invest regularly, since you’re investing a fixed amount on a fixed schedule, regardless of how the markets perform. Investing regularly can also have intrinsic benefits: It encourages discipline and may also ease the anxiety of daily market fluctuations.

Diversify. If you’ve ever heard the saying, “Don’t put all your eggs in one basket,” then you already have a basic understanding of diversification. Diversifying your portfolio can reduce risk and volatility if the assets have little or no correlation to each other.

Investing in mutual funds is one way to achieve portfolio diversification, since mutual funds are typically a diversified investment. There are also several other ways to diversify and potentially reduce portfolio volatility:
• Within an asset category, such as purchasing different types of mutual funds;
• Among asset categories, such as purchasing stocks and bonds; and
• Outside of the United States, since some markets move opposite to the US stock market.

Put volatility to work for you. Do you think of the glass as half empty or half full? Your perspective can affect the investment decisions you make during market downturns. Investors who view market volatility negatively can make irrational decisions. A down market can be an opportunity for you to build your portfolio and take advantage of lower unit costs.

Stay invested. You are probably anxious during times when the value of your investments has decreased. As a result, you may be tempted to move out of the market, sit on the sidelines and wait for the market to rebound. However, since no one knows how the markets will move, how do you know you’re leaving at the right time? Also, how will you know when it is the right time to get off the sidelines and start investing again?

If you have worked with a Financial Advisor, your investment strategy was developed to help you meet your long-term goals. Timing the market could potentially jeopardize your financial plan—and your future goals.

Be patient. There will always be uncertainty in the markets; market volatility is a natural part of the investment cycle. Although it may take some time, markets do rebound.

In the meantime, call your Financial Advisor to help you develop an action plan for market volatility and continue to focus on your long-term investment goals rather than short-term market moves.

Graeme H. Patey is a Financial Advisor located in Cleveland, Ohio and may be reached at
216-523-3015 or http://fa.smithbarney.com/graemepatey.

Asset allocation and diversification strategies do not guarantee a profit or protect against loss.

A periodic investment plan such as dollar cost averaging does not assure a profit or protect against a loss.

International stocks are subject to certain risks of overseas investing including currency fluctuations and changes in political and economic conditions, which could result in significant market fluctuations. These risks are magnified in emerging markets.

Mutual fund investments are subject to market risk, including the possible loss of principal. They are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges and expenses, and other information regarding the mutual fund and variable annuity contract and its underlying investments, which should be carefully considered before investing. Prospectuses are available through your Financial Advisor or at www.smithbarney.com. Read the prospectus carefully before you invest or send money.

Smith Barney does not provide tax or legal advice, and it is important to consult with a tax or legal advisor before investing.

© 2008 Citigroup Global Markets Inc. Member SIPC. Securities are offered through Citigroup Global Markets Inc. Smith Barney is a division and service mark of Citigroup Global Markets Inc. and its affiliates and is used and registered throughout the world. Citi and Citi with Arc Design are trademarks and service marks of Citigroup Inc. and its affiliates, and are used and registered throughout the world. Working WealthSM is a service mark of Citigroup Global Markets Inc. Citigroup Global Markets Inc. and Citibank are affiliated companies under the common control of Citigroup Inc.

INVESTMENT PRODUCTS: NOT FDIC INSURED • NOT GUARANTEED • MAY LOSE VALUE

Graeme H. Patey specializes in developing customized financial strategies. He employs a consultative approach on the financial and investment needs of high net-worth individuals and financial services to businesses.

Real Estate Investing Advice: 6 Timeless Strategies For The Property Investor

Posted by admin on June 18, 2010 0 comments

Real estate investment offers positive cash flow and tax benefits. However, much like any other investment niche, real estate is dependent on intricate market trends that must not be overlooked, lest the investor may suffer a significant loss.

Surprisingly, several newbie investors are willing to part with their hard earned money, without carrying out a preliminary research of their investment. Instead of relying on a meticulous analysis, they bank on intuitions and traditional trends. But before you risk your investment, do heed the following real estate investing advice, in order to ensure significant returns on your property investment.

a) Verify the seller’s credentials – Newbie investors find a lucrative property but don’t bother verifying the seller’s credentials, since they are in a hurry to bag the property. But I suggest they hold their horses. They should verify certain aspects, including rent payment records, taxes, and other possible expenses.

b) Avoid negative cash flow – Another real estate investing advice is to choose a property that does not eat away your working capital on a regular basis. There is no point buying a property that requires more money for its upkeep relative to the revenue it generates for you. You might be forced to sell such an asset prior to the realization of any benefits of ownership.

c) Original tenants can provide the much needed information – Ask the tenants if they are troubled by pest infestation, lack of basic amenities, or some other recurring problem. You surely don’t want to buy a property that requires an awful lot of repair, and even if you do, you must know the problems upfront.

d) Look for an insurance cover – A crucial real estate investing advice is that you must have adequate insurance coverage for your newly bought property. Insurance will provide the much needed veil to protect your personal assets against some legal action.

e) You must charge fair rents – No expense hurts more than what’s incurred in the upkeep of a vacant property. Therefore, charge fair rents to ensure that your tenants stick with you for as long as you desire. Moreover, you must also ensure that the chosen tenants are not defaulters. Verify their credentials, talk to their previous landlords, and check their credit history. A preliminary research can save an awful lot of trouble later.

f) Maintain a certain degree of frugality until you have a healthy source of income – Once you have closed a profitable deal, you must avert from going on an extravagant shopping spree. Instead re-invest your profit towards another property payment until you attain a significant positive cash flow on a regular basis.

On the whole, real estate investing can be an extremely profitable investment niche. But you must have a good grasp of what the procedure entails, and must not leave any stone unturned. Just adhere to the real estate investing advice put forth above, and you shall be on your way to become a professional real estate investor.

Joel Teo writes about making money with Property Investment. His site, http://www.RealEstateInvestment101.info provides a wealth of informative articles & Tips.

Finance Resource

Finance At Your Fingertips

Retirement Investment Strategies Quiz – Are You on the Right Track to Investment Success?

Unique Investment Strategies and Opportunities

Investment Strategies – Seeing Value in Technology and China – Bloomberg

Investment Strategies – Opportunities in Municipal Bonds – Bloomberg

Investment Strategies – Managing Your Money While Investing in Turmoil – Bloomberg

Investment Strategies – Be Defensive When Markets are on Top – Bloomberg

Seven Strategies For Investing During Volatile Markets

Real Estate Investing Advice: 6 Timeless Strategies For The Property Investor

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