Just as Social Security is in the process of change, so too are most corporate benefit plans. There was a time when the average “company man” could depend on his or her employer to fund his retirement in an adequate and dependable basis. Unfortunately, this time has passed. The first step toward the change was with the … Continue reading Company Retirement Plans: 401K and Pension Plans
Liquidity is a concept that many investors fail to take into account or understand and as a result their financial plans fail to come through in such critical times as retirement or college funding for a dependent. However, the fact is liquidity or a lack thereof causes more financial problems than almost any other aspect of … Continue reading Investment Liquidity: What it is and Why it is Important
Most investors leave the more technical aspects of portfolio management to their financial consultants. However, this need not be the case. The average educated person can certainly gain a grasp of the topic sufficient enough to help make his or her own investment decisions. The key to learning is gaining the knowledge and then practice applying it to … Continue reading An Introduction to Portfolio Management
“Know thyself” was a phrase placed over the oracle of Delphi in ancient Greece. It is a phrase that is just as relevant and insightful when designing your investment strategy. The more you know then the better you will be able to design a strategy that fits your unique needs. We will be covering certain factors you must … Continue reading Knowing your Situation: A Personal Investment Strategy
What is dollar cost averaging? When an investor buys the same stock or mutual fund at regular intervals and with a fixed amount, he or she is said to be using the dollar cost averaging method. If the market price of the selected stock or mutual fund declines, the investor will buy a greater number … Continue reading Dollar Cost Averaging
You hear horror stories of people losing all their money on the stock market. The main reason this happens is that people don’t place their money in a variety of investments. Doing this spreads the risk of losing your money. Basically, the golden rule of successful investment is to diversify your portfolio. This simple strategy … Continue reading Why Asset Allocation makes me Money
You do not have to place a large amount of money into highly volatile stocks to make money. You can, but if anything that is the surefire way to lose your hard earned money. Your investments do not need to return 20% or more to make you wealthy. By investing small sums, and making average … Continue reading How Compounding Interest Helps Me
There are various ways to value a stock, such as checking its earnings, its dividend or its price to earnings ratio. By using these measurements you may estimate how a stock should be priced. If you find a stock whose measurements indicate its price should be higher, you may have found a ‘cheap’ stock, then … Continue reading What is Value Investing?
Growth investing is focusing on a company that has demonstrated a track record of high or emerging growth. If a company has a stock price that has gone up year-on-year over 3 years then that stock would be a target for growth investors. Even on a shorter timeline, if a stock has gone up in … Continue reading What is Growth Investing?
In stock trading and investing there are bulls and bears. It sounds dangerous but it isn’t. You often hear of the market being bullish or bearish. So what is the definition of a bull market and what is a bear market? A Bull Market This is when the market is showing confidence. Indicators of confidence … Continue reading What is a Bull and a Bear Market?
Are you a beginning investor? Then you need to start with the basics. Here are some basic principles that you should understand before investing your money. Also, see our our investing lessons section for some helpful teaching and learning worksheets and lessons on investing. Begin Investing Now Do not procrastinate. Begin now because an early start … Continue reading Investing Principles for Beginners
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