Investing Strategies

Best stock funds Investment Portfolio for the year 2011

Posted January 16, 2011 by Jessika Carolin

Getting into the right choice of stock fund investment is quite a tough job as the best stock portfolios of the recent past make a difference with that of today. There are certain fine-tunings expected to be made with the portfolio to keep off difficulty. Mutual funds are considered to be the one of the best choice of investment for most investors.

Investment trends over stocks

Drift in the investment plans has brought in a raise in the prices of stocks, gold, silver, oils, and also with various other form of merchandise. Stock investing has brought in a quick development with a challenge that made the investment effectively profitable. With the continual rise in the interest rates bond prices are brought down on a considerable change by the late 2011. With the triggers rise up, stock investing that goes ahead wouldn’t be that heavy as that of income funds.

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Posted in Investing Strategies, Mutual Funds, Stock Market Investing, Stock Watch | No Comments »

What is Hard Money Lending And When Should You Use It?

Posted January 12, 2011 by Bernz

Seasoned real estate investors often use a type of financing called “hard money lending”.  While this type of financing is mostly used by investors specializing in single-family properties, it can also be used to finance commercial properties.  If you’ve never heard of “hard money lending”, you’re not alone.  Most people haven’t.

One of the reasons this type of financing is not well known outside of the real estate investing industry is that the source of funding comes from private parties.  There are no large stockholder-owned corporations doing this kind of lending.  Typically it’s a private individual with deep pockets.

Another reason you haven’t heard of it is that a very specific type of business loan.  “Hard money” loans are usually set up as short-term balloon mortgages.  The monthly payments consist of interest only, and the principle is paid at the end of the loan term in one lump sum.  It’s not a good long-term financing vehicle, but it can be an excellent source of funds for investors who are acquiring fix-up properties.

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Posted in Financial Goals, Investing Strategies, Loans | 3 Comments »

Safe Investments with Balanced Mutual Funds

Posted January 6, 2011 by Jessika Carolin

Balanced mutual funds are those, in which the investments are made in a combination of stocks, bonds and money market funds. This combination is so balanced that there is a scope for both growth and a regular income. They are considered safer than the other types of mutual funds as the risks involved is comparatively low.

How balanced mutual funds are better than the others

As they are a combination of stocks and bonds, they are also called asset or hybrid allocation fund. The returns that these funds bring are safer and steady with a diminished risk of investment. There is an active management that is involved in the balanced mutual funds. They hold on to a particular strategy that enables the investor to have a confidence on the investment made.

There is no need for the investor to spend time researching the right assets for the portfolio as the balanced mutual funds companies conduct a research and manage the assets that are being managed. There is an opportunity to learn more about investing with the balanced mutual funds. There is a complete freedom for the investor to decide about the allocations that are made.

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Posted in Investing Strategies, Mutual Funds | No Comments »

Investing For the First Time: What to Do in a Shaky Market

Posted December 20, 2009 by Bernz

The past year has represented one of the most volatile and risky eras in investment history in the United States, especially in the stock market. For those with existing investment portfolios, watching the decline in market value every day has been demoralizing. Retirement asset values have been slashed and many investors are wondering if they will even be able to afford to retire.

investingoct

But what do you do if this is the very first time that you are investing? You may be just graduating from university or trying to put away some money for your children’s college tuition. How can you ensure that you make good decisions in this shaky economy?

1) Find the right advisor. An effective investment advisor knows the current state of the market and can help you understand the risks and rewards of each of its sectors. Choose an advisor who does not earn income based on how much or what types of investments you buy. Your investment advisor should also be experienced. This recessionary financial market is no time for you to try out a wet-behind-the-ears advisor. (more…)

Posted in Investing Basics, Investing Strategies, Stock Market Investing | No Comments »

Dogs of the Dow- Investing Strategy That Needs to be Retired?

Posted June 21, 2009 by Bernz

I was doing some research online about stock investing two days ago and came across this strategy and thought I should share my insights with my readers.

dogs

The Dogs of the Dow is an investing strategy first promoted 35 years ago by Michael O’Higgins, a fund manager who now runs his own firm. The strategy calls for choosing the 10 stocks in the Dow 30 index that have the highest dividend yields at the end of the year. You hold these stocks until the end of the following year when you re-balance your portfolio based on the new Dogs. A dividend yield is calculated by dividing the dividend by the stock’s price. Therefore, the stocks with the highest dividend yields have the lowest stock prices and may be ready for a jump.

Because all of the stocks in the Dow 30 are large cap, stable companies, the Dogs of the Dow strategy states that the companies chosen are likely to be solid in bad times and rise quickly in price in good ones. 2009’s Dogs are: Alcoa, AT&T, Bank of America, DuPont, General Electric, JPMorgan Chase, Kraft, Merck, Pfizer, and Verizon. (more…)

Posted in Financial Education, Investing Strategies, Stock Market Investing | 2 Comments »


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