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Recent Financial Planning & Management Articles
Posted March 21, 2012 by Nisha
There are a number of different strategies for successful investing. Some investors do quite well by simply following the trend of the market. In a strong bull market, they are fully invested. When the market appears to be appears to be over bought and headed for a correction, investors that follow the trend, pull money out of the market and wait for the upward trend to return.
Momentum investors identify a hot stock and try to buy early and ride the wave upward. They follow the movement of the stock very closely and get out at the first sign that the stock price is starting to level off. Timing is the key to making money with momentum investing.
Perhaps the most fundamental approach to the stock market is value investing. Here, the investor needs to do sufficient research to identify particular stocks that are selling at prices significantly below the underlying value of the company. Stocks may be undervalued for any number of reasons. Value investors focus on companies that are undervalued because of temporary events. Sometimes stock prices are driven down unfairly because of perceived negative news about a company’s prospects. Other times, a stock can be grouped with other stocks in the same industry that are not doing well. Finally, external events like the threat of war or shortage of oil can cause fear and panic that sends stock prices down despite very good earnings.
Posted June 3, 2011 by Caroline Leah
A money market account is actually a kind of mutual fund that functions almost like a savings account the main difference being the money market accounts pay rates of interest higher than the usual savings account. You can trade with the short term government and corporate bonds when you open an account with money market. The money market funds however have variable rates of interest as the make up of money changes according to the maturity of the short term bonds.
They are available in banks, credit unions and other financial institutions too. There are also money market funds that are tax exempted. You however need to be careful while investing in a money market. Here are a few tips and suggestions to keep in mind.
- Before you start off with investing in money market accounts, you need to first understand how the money market funds or accounts work. Only a thorough knowledge helps brings success in the field of investment.
- Learn all the terms that are related to the money market by reviewing the glossary that is made available on the internet for the beginners.
- There is quite a difference between the money market funds and money market accounts. Learn the difference and then choose which one is best suited for your needs and you can either make short term investments or long term too.
- Gather details about the various popular money market funds including the minimum requirements for the investment. Make sure you have the required capital to make the investment before deciding where to invest money.
- You can perform the research about the money market funds and accounts online and look out for the impressive looking ones. Read More »
Posted May 29, 2011 by Bernz
Saving money has become a way of life for many people who are trying to adjust to living on a budget. If you would like to know more about saving money on groceries, then you should really consider using coupons whenever possible. Using coupons for everyday expenses may take some getting used to, but the money you will save will be worth it in the long run. If you have never used coupons before, there are many resources available on the internet that can help you with whatever questions you might have.
For some people, the concern with coupons may be the time it takes to find them and cut them out. In reality, it really does not take a long time to pull the coupon inserts out of the Sunday paper and cut them out. One thing that will save you time though is to only cut out coupons for things that you use. Don’t waste your time on the dog food coupons if you do not have a dog! There are also many other places that you can find coupons besides the Sunday paper.
If you spend a lot of time online, you may already know that there are sites that are dedicated to coupon lovers and offer you the chance to print off whatever coupons they have available for free. When searching these sites, it is important to remember one thing and that is that when you print lots and lots of coupons, you may spend a lot of money on ink to print them. An idea to keep the cost of printing coupons down is to only print the ones that think you will use.
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Posted May 25, 2011 by Bernz
Taking the time to make sure you are spending your hard earned money wisely is very important in every aspect of life and money spent on investments should be no different. If you have done any kind of investing before now, it is likely that you have spent some time researching which stocks, bonds, etc. to invest in, but you may now be looking at trying something new. ETFs, or Exchange Traded Funds, may be the right choice for you, but you must make sure that you research this investment as well so that you can be confident that you are investing your money well.
An Exchange Traded Fund is an investment fund similar to a mutual fund that holds stocks as assets. There are many different reasons that so many people find EFTs desirable and one of the big ones is that they carry relative low costs. If you are looking for something that is similar to stocks, then an ETF may the right choice for you. One of the other benefits that many investors like about ETFs is that they may be taxed at a lower rate than other investments. When you are looking to invest your money in something, it is always a good idea to keep all of the costs associated with the investment as low as possible.
You should also keep in mind that the question of whether ETFs are right for you may not be the question that you want to ask, but what you should be asking is “which ETF is right for me?” There are many different kinds to choose from and if you are not an expert in the financial world, you should make sure you understand what each one can offer you so that you can choose the best ones to fit your needs.
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Posted May 22, 2011 by Bernz
The average investor may feel intimidated by all of the options available to them for investing. Choosing between stocks or bonds or any of the other traditional investment options can definitely be confusing if you do not take the time to research everything that is available to you in the in financial world. And once you do decide on something like stock, how do you know which ones to choose and how much to invest in each one.
If you feel like you want to try something a bit different you are not alone. While many people choose to use the money they have allocated for investing for stocks, there is a good part of the investing population that may be looking for a more interesting kind of investment opportunity. Real estate is a market that just may fit your needs if you would like to try your luck at something different from the traditional investment options of stocks and bonds. This is not to say that you need to become a real estate expert, but you will likely need to learn about the market to make sure you are spending your money wisely.
Investing your money in a Real Estate Investment Trust (REIT) would be a great choice for someone just like you who is looking for an interesting investment that is out of the mainstream. A Real Estate Investment Trust is a fund that uses money from investors and invests it in properties or buildings. If you are familiar with stock or bond mutual funds, then you should think of this kind of fund in the same way, only instead of stock and bonds, you are dealing with real estate.
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