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What Everyone Should Know To Take Control Of Their Finances -
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Investing is a business as an investor you must treat investment as a business In any investment you expect a ROI return on investment as long as your investment is increasing value..
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Income?
Income Definition:
Income refers to the money that a person or entity receives in exchange for their labor or products. Income may have different definitions depending on the context—for example, taxation, financial accounting, or economic analysis.
For most people, income means their total earnings in the form of wages and salaries, the return on their investments, pension distributions, and other receipts. For businesses, income means the revenues from selling services, products, and any interest and dividends received with respect to their cash accounts and reserves related to the business.
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Earned income includes wages, salary, tips and commissions. Passive or unearned income could come from rental properties, royalties and limited partnerships. Portfolio or investment income includes interest, dividends and capital gains on investments.
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Expense:
An expense is an item requiring an outflow of money, or any form of fortune in general, to another person or group as payment for an item, service, or other category of costs. For a tenant, rent is an expense. For students or parents, tuition is an expense.
Expense?
An expense is the cost of operations that a company incurs to generate revenue. It is simply defined as the cost one is required to spend on obtaining something. As the popular saying goes, “it costs money to make money.”
Common expenses include payments to suppliers, employee wages, factory leases, and equipment depreciation. Businesses are allowed to write off tax-deductible expenses on their income tax returns to lower their taxable income and thus their tax liability;
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Asset Definition...
Asset...
An asset is a resource with economic value that an individual, corporation, or country owns or controls with the expectation that it will provide a future benefit.
Assets are reported on a company's balance sheet. They're classified as current, fixed, financial, and intangible. They are bought or created to increase a firm's value or benefit the firm's operations.
An asset can be thought of as something that, in the future, can generate cash flow, reduce expenses, or improve sales, regardless of whether it's manufacturing equipment or a patent.
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Financial Assets
Financial assets represent investments in the assets and securities of other institutions. Financial assets include stocks, sovereign and corporate bonds, preferred equity, and other, hybrid securities. Financial assets are valued according to the underlying security and market supply and demand
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Liability:
Liability?
A liability is something a person or company owes, usually a sum of money. Liabilities are settled over time through the transfer of economic benefits including money, goods, or services.
- A liability (generally speaking) is something that is owed to somebody else.
- Liability can also mean a legal or regulatory risk or obligation.
Recorded on the right side of the balance sheet, liabilities include loans, mortgages, debts -
Liabilities are categorized as current or non-current depending on their temporality. They can include a future service owed to others (short- or long-term borrowing from banks, individuals, or other entities) or a previous transaction that has created an unsettled obligation.
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All Weather Portfolio is an investment philosophy:
Investment Strategies And Opportunities for today’s
market and tomorrow’s result. LEARN MORE STUFFS HERE ABOUT REAL ESTATE INVESTMENTS...
Real Estate Investment: Types of Property Ownership @ Buyheremarket (knowledgefinancialgroup.com)
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What are the Best Index Funds?
By the portfolio manager of: Visionone Holding Company - facebook.com/
Budgeting...
What is a budget?
A budget is a plan you write down to decide how you will spend your money each month.
A budget helps you make sure you will have enough money every month. Without a budget, you might run out of money before your next paycheck.
A budget shows you:
- how much money you make
- how you spend your money
Why do I want a budget?
A budget helps you decide:
- what you must spend your money on
- if you can spend less money on some things and more money on other things
For example, your budget might show that you spend $100 on clothes every month. You might decide you can spend $50 on clothes. You can use the rest of the money to pay bills or to save for something else.
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Saving is income not spent, or deferred consumption. Methods of saving include putting money aside in, for example, a deposit account, a pension account, an investment fund, or as cash. Saving also involves reducing expenditures...
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Saving
Simple ways to save money.......
Saving is easier when you have a plan—follow these steps to create one...
Sometimes the hardest thing about saving money is just getting started.
Spend less than you make so you have the power to save...
Record your expenses
The first step to start saving money is figuring out how much you spend. Keep track of all your expenses—
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Include saving in your budget...
Create a budget you can live with
After identifying areas to cut spending, you’ll want to create a budget that allows you to save every month.
Now that you know what you spend in a month, you can begin to create a budget. Your budget should show what your expenses are relative to your income, so that you can plan your spending and limit overspending.
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Find ways to cut spending
If you can’t save as much as you’d like, it might be time to cut back on expenses. Identify nonessentials, such as entertainment and dining out, that you can spend less on. Look for ways to save on your fixed monthly expenses.
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Set savings goals
One of the best ways to save money is to set a goal. Start by thinking about what you might want to save for—both in the short term (one to three years) and the long term (four or more years). Then estimate how much money you’ll need and how long it might take you to save it...
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Determine your financial priorities
After your expenses and income, your goals are likely to have the biggest impact on how you allocate your savings. For example, if you know you’re going to need to replace your car in the near future, you could start putting away money for one now. But be sure to remember long-term goals—it’s important that planning for retirement doesn’t take a back seat to shorter-term needs.
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6. Short-term goals
If you’ll need the money soon or need to be able to access it quickly, consider using these FDIC-insured deposit accounts:
- A savings account - A certificate of deposit (CD) - Money market acounts etc.
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7. Long-term goals
If you’re saving for retirement or your child’s education, consider:
- FDIC-insured individual retirement accounts (IRAs) or 529 plans, which are tax-efficient savings accounts
- Securities, such as stocks or mutual funds, bonds, index funds, ETF's - These investment products are available through investment accounts with a broker-dealer.
Make saving automatic
Almost all banks offer automated transfers between your checking and savings accounts. You can choose when, how much and where to transfer money or even split your direct deposit so that a portion of every paycheck goes directly into your savings account. The advantage: You don’t have to think about it, and you’re less likely to spend the money instead.
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Know where your money goes...
Develop an accurate picture of what you’re spending money on now, and what you’d rather spend money on later.
Track all of your expenses:
- Car, rent, and mortgage payments
- Groceries, streaming subscriptions, and medications
- Lunches, movie tickets, and rideshares
Make tracking your expenses easier with My Spending Report.
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Investing
Many people just like you turn to the markets to help buy a home, send children to college, or build a retirement nest egg. But unlike the banking world, where deposits are guaranteed by federal deposit insurance, the value of stocks, bonds, and other securities fluctuates with market conditions.
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Investing Explained: Types of Investments and How To Get Started...
Investing:
Investing, broadly, is putting money to work for a period of time in some sort of project or undertaking in order to generate positive returns (i.e., profits that exceed the amount of the initial investment). It is the act of allocating resources, usually capital
---------- Investing:
Investing is to grow one's money over time. The expectation of a positive return in the form of income or price appreciation
- The type of returns generated depends on the type of project or asset; real estate can produce both rents and capital gains; many stocks pay quarterly dividends; bonds tend to pay regular interest.
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- In investing, risk and return are two sides of the same coin; low risk generally means low expected returns, while higher returns are usually accompanied by higher risk.
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- Investors can take the do-it-yourself approach or employ the services of a professional money manager.
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Diversify. Don't invest all of your savings with one company. Shop wisely and look for stable, highly rated companies.
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Types of Investments...
Today, investment is mostly associated with financial instruments that allow individuals or businesses to raise and deploy capital to firms. These firms then rake that capital and use it for growth or profit-generating activities.
While the universe of investments is a vast one, here are the most common types of investments:
Stocks
A buyer of a company's stock becomes a fractional owner of that company. Owners of a company's stock are known as its shareholders and can participate in its growth and success through appreciation in the stock price and regular dividends paid out of the company's profits.
Bonds
Bonds are debt obligations of entities, such as governments, municipalities, and corporations. Buying a bond implies that you hold a share of an entity's debt and are entitled to receive periodic interest payments and the return of the bond's face value when it matures.
Funds
Funds are pooled instruments managed by investment managers that enable investors to invest in stocks, bonds, preferred shares, commodities, etc.
Investment Trusts
Trusts are another type of pooled investment. Real Estate Investment Trusts (REITs) are one of the most popular in this category. REITs invest in commercial or residential properties and pay regular distributions to their investors from the rental income received from these properties.
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Commodities
Commodities include metals, oil, grain, and animal products, as well as financial instruments and currencies. They can either be traded through commodity futures—which are agreements to buy or sell a specific quantity of a commodity at a specified price on a particular future date—or ETF
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Retirement Stocks for an Income-Rich...
Want to Retire Early? Buy and Hold These Dividend Stocks...
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The market will always go up and down, but your goals and objectives are still your goals and objectives.
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When you buy a product to use or food to eat you are a consumer.
When you invest your money in a company who produces stuffs, you're a producer/investor. www.fruitalinvestment.
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When you invest in a company for 3, 6, months and then sell. You are not an investor, you are a trader.
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But when you invest in a company for a year or more you are classified as investor.
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Real estate is something important and interesting that people need to own for the rest of their life. www.facebook.com.visiononereal
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Invest in what you love.
Take Control of Your Financial Future. Now.
What is your time frame for investing?
www.moneywisers.blogspot.com
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Are you investing for income or growth?
You Can Retire Sooner Than You May Think— Here Are Few Ways To Make It Happen. Yes you can retire with time on your hands and money in your pockets... www.knowledgefinancialgroup.
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Invest In: Exchange-Traded Funds (ETFs)
What Is an ETF? An ETF is a type of fund that holds multiple assets rather than buying one stock.
An exchange traded fund (ETF) is a type of security that tracks an index, sector, commodity, or other asset, but which can be purchased or sold like a stock.
www.femkonsa.blogspot.com
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TYPES OF ETF
Currency ETFs, Commodity ETFs, Stock ETFs, Bond ETFs, Real Estate ETS's, Pharmaceutical ETF, Technology ETF"s. Precious Metal ETF's etc.
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ETF's, Exchange Traded Funds are passively managed funds and they have less/lower fees...
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Invest In Index Funds:
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Index funds, are funds that give you exposure to an entire index. You can only buy index fund once a day.
one or two companies. WWW.BUYHEREMARKET.BLOGSPOT.COM
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Index funds give you diversified access to all the companies you know and Index funds help people purchase a larger part of the market instead of single stocks... www.knowledgefinancialgroup.
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Retirement Stock #5: Procter & Gamble (PG)
Procter & Gamble, headquartered in Cincinnat, Ohio was founded way back in 1837. Today they operate large manufacturing facilities in over 80 countries. As a result, they have a history of impacting local property prices.
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Retirement Stock #6: McDonald’s Corporation (MCD)
McDonald’s is the world’s largest publicly-traded fast food company,
Verizon Communications is one of the largest wireless carriers in the country. Wireless contributes three-quarters of all revenues, and broadband and cable services
Johnson & Johnson is a diversified health care company and a mega-cap stock with a market cap above $400 billion. J&J is a market leader in the area of pharmaceuticals ...
Coca-Cola is a global beverage giant. It is the world’s largest beverage company, as it owns or licenses more than 500 unique non-alcoholic brands.
PepsiCo is a global food and beverage company. It has a diversified business model that is roughly evenly split between food and beverages.
The Kimberly-Clark Corporation is a global consumer products company that makes disposable consumer products, including paper towels, diapers, and tissues.
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Discipline is the bridge between goals and accomplishment.
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Opportunity plus preparation equal success..
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- Having A Brokerage Account:
A brokerage account is an investment account used to trade assets such as stocks, bonds, mutual funds and ETFs.
There are two brokerage account options that meet the needs of most investors: online brokers and robo-advisors.
Setting up a brokerage account is simple. You can typically complete an application online in under 15 minutes.
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Brokerage accounts are good for saving for short-term goals, while tax-advantaged accounts are better for retirement savings.
You own the money and investments in your brokerage account, and you can sell investments at any time. The broker holds your account and acts as a middleman between you and the investments you want to buy.
There is no limit on the number of brokerage accounts you can have, or the amount of money you can put into a taxable brokerage account each year....
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How to choose a brokerage account provider...?
There are two options that meet the needs of most investors:online brokers and robo-advisors. Both offer retirement accounts and taxable brokerage accounts.
"You want to be careful with which company you open your brokerage accounts with.
An account with an online brokerage company enables you to buy and sell investments through the broker’s website. Discount brokers offer a range of investments, including stocks, mutual funds and bonds.
"And you should be walking in with an awareness of what you’re going to be investing in. You want to do a little research."
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Some brokers make you verify a transaction. If that’s the case, you’ll have to wait until the broker deposits a small sum in your bank account — typically a few cents. Then you’ll confirm the transaction by telling the brokerage the exact amount that was deposited.
You might be asked if you want a cash account or a margin account. A margin account allows you to borrow money from the broker in order to make trades, but you'll pay interest and it's risky. Generally, it's best to stick with a cash account at first.
If you have any questions, the broker can walk you through the process. After the transfer is complete and your brokerage account is funded, you can start investing.
- Social security number(s)
- Driver's license
- Employer's name and address (if applicable)
- Statement information for any assets or cash you'd like to transfer...
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- Online application for a brokerage account
- Choosing the type of brokerage account (individual or joint)
- Providing your personal, employment, and financial information
- Selecting specific account features
- Creating login credentials and providing contact information for your account
- Verifying your identity
- Indicating how you'll fund the account...
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What are the Best Index Funds?
By the portfolio manager of: Visionone Holding Company - facebook.com/
Choose just one, any-one will do the job...
Fidelity S&P 500 Index Fund (FXIAX) -
Schwab S&P 500 Index Fund = SWPPX
--------------WARNING:
Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks.
This and other information may be found in each fund's prospectus or summary prospectus, if available.
Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained
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Reasons to own index funds...1. There is no reliable method of finding skilled fund managers. Short-term performance cannot be used to do so. Some studies I've read indicate it may take 20 years to mathematically separate manager skill from luck.
2. Finding a fund that will outperform its benchmark index over the next 15 years is like trying to find the proverbial needle in the haystack.
3. According to Standard & Poor’s, in the 10 years ending June 30, 2015, 75% of actively managed domestic stock funds underperformed the S&P 1500 Total Market Index.
4. Additionally, 40% of actively managed equity funds available to investors on June 30, 2005, were no longer in existence 10 years later. So how can actively managed mutual funds be considered good stewards of shareholder money?
5. The turnover ratio of the average actively managed domestic stock fund exceeds 100%. This means that the average fund manager holds a stock for less than one year in a vain attempt to "beat the market," outperform competitors and attract new investors to the fund.
But frequent trading has its costs — assume a 1% increase in annual costs for a 100% turnover ratio. I'm a long-term investor, yet many fund managers are short-term traders. There's a big disconnect here.
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6. Most actively managed funds underperform their benchmark index after costs are deducted. This has nothing to do with investing and everything to do with arithmetic:
•Index funds, by design, will earn the stock market's return before costs are deducted.
•Actively managed funds, as a group, will also earn the stock market's return before costs are deducted.
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•All index funds and the average actively managed mutual fund will underperform the market by the amount of their expenses.
•Since index funds have lower expenses than actively managed funds, they will outperform the
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Investing Success 101: https://www.facebook.com/
If You Have More Than $1,000 in Your Saving/Checking Account, Make These Moves.
Municipal Bonds:
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A municipal bond, commonly known as a muni bond, is a bond issued by a local government or territory, or one of their agencies.
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Investing Success For A Better Retirement.
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Congrats! You’re on the right path. Now it’s time to think about letting money working for you.
BEST PASSIVE INCOME IDEAS TO MAKE YOU MONEY...
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RETIREMENT AND RETIREMENT PLANS
For most Americans, a retirement savings plan, which you build over time during your
working years, is an essential part of securing your retirement. Learn what you can
do, while employed and once retired, to make the most of your investments.
Individual Retirement Accounts (IRAs)
Individual Retirement Accounts (IRA) provide tax advantages for retirement savings. You can contribute each year up to the maximum amount allowed by the Internal Revenue Service.
IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter?
There are several types of IRAs available:
// Self Directed IRA // Retirement Planning // Rollover Account // Social Security /
/ Life Insurance // IRA/Roth IRA = //
Self-Directed IRA = // // Estate Planning //
/ Living Trust // Financial Planning //
- Personal Finance // = Affirmative Action - // - Terminsurance // = Custodial Account - // Inurancequote = //
- Traditional IRA. Contributions typically are tax-deductible. You pay no taxes on IRA earnings until retirement, when withdrawals are taxed as income.
- Roth IRA. Contributions are made with after-tax funds and are not tax-deductible, but earnings and withdrawals are tax-free.
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- SEP IRA. Allows an employer, typically a small business or self-employed individual, to make retirement plan contributions into a traditional IRA established in the employee's name.
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- SIMPLE IRA. Is available to small businesses that do not have any other retirement savings plan. The SIMPLE – which stands for Savings Incentive Match Plan for Employees – IRA allows employer and employee contributions, similar to a 401(k) plan, but with simpler, less costly administration, and lower contribution limits.
Rollovers
A rollover is a tax-free distribution of cash or other assets from one retirement plan to another retirement plan. The distribution to the second retirement plan is called a “rollover contribution.” The IRS website has information on the benefits of rollovers, and how, when, and where to do a rollover.
Opportunities -
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Normally a couple or a family should have different accounts...
1. A joint checking account to pay the bills together.
2. A saving account with two signatures in order to move money out of it.
3. Each person should have the right to own his or her own private personal bank account.
4. An investment brokerage account jointly for investments.
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-----------Supply and demand: Supply and demand can be simply stated as the relationship between what’s available (the supply) and what people want and are willing to pay for (the demand).
This equation is the main engine of economic activity and is extremely important for your stock investing analysis and decision-making process..
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- The 401(k) and traditional IRA. These are tax-deferred accounts.
- The Roth IRA and the Roth 401(k) plan. These are tax-free accounts.
- Brokerage investment or savings bank account. All earnings on your investments are taxable.
- Through your employer
- Through yourself, if you are self-employed
- Through financial institution on your own
Understanding Different Types of Retirement Accounts At: www.
knowledgefinancialgroup.com You can choose from three different types of retirement accounts:
The most common ways retirement accounts are opened: https://visionairebiz.
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-----------Types of Financial Investment...
An individual can invest in any of the following:
Mutual Funds - Fixed Deposits - Bonds - Stock - Equities -Real Estate (Residential/Commercial Property)Gold /Silver - Precious stones - Commodities ----------------------------What Are Commodities?
-----------------Commodities are raw materials and basic agricultural staples that are used to produce finished goods. The commodity market is the global marketplace where these primary raw materials are bought and sold.
Broadly speaking, commodities are split into two categories: hard commodities and soft commodities. Hard commodities are natural resources that must be extracted, like metals, oil and coal. Soft commodities are agricultural products or livestock.
In the U.S., commodities are traded on commodities exchanges like the New York Mercantile Exchange (NYMEX), the Chicago Mercantile Exchange (CME) and the Chicago Board of Options Exchange (CBOE).
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If you invest in a broad commodity ETF, it may include some of the following types of commodities:
Oil. -Wheat. - Gold. - Silver. - Corn. -Soybeans.
If you invest in a more focused commodity ETF, it will likely invest in just one type.
What Is a Commodity ETF?
Commodity ETFs are exchange-traded funds that invest in commodities futures, own physical commodities or buy the stocks of companies that produce commodities.
Some commodity ETFs buy and sell physical commodities, like the Abrdn Physical Palladium Shares ETF (PALL), which stores palladium bars in a J.P. Morgan vault.
Many commodity ETFs own the stocks of companies that produce, transport or trade commodities. Examples include the VenEck Gold Miners ETF (GDX), which tracks the performance of gold mining companies.
Some funds trade commodity futures, which are agreements to buy or sell a product at a future date and price. These funds aim to track price changes in an underlying commodity without owning either physical products or shares of stock.
The latter approach lets a single fund track a range of different commodities, like Abrdn’s Bloomberg All Commodity Longer Dated Strategy ETF (BCD). This fund is based on the Bloomberg Commodity Index (BCOM), which follows the entire commodities futures market.
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How to Invest in Commodities
Trading futures is the most common way to invest in commodities. Buying and selling futures contracts let you speculate on the future price of commodities like gold and oil, but this requires specialized knowledge and skills.
You can also buy the stock of companies that produce, transport and store commodities. This lets you profit indirectly from changes in the underlying commodity’s value through its impact on the company’s earnings, but owning individual stocks comes with its own challenges.
Owning a commodity ETF is the easiest way to invest in commodities. You’re leaving the heavy lifting to experienced financial managers and analysts, and the best commodity ETFs on the list above charge very reasonable fees.
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iShares GSCI Commodity Dynamic Roll Strategy ETF (COMT)
Invesco DB Oil ETF (DBO)
Invesco DB Commodity Index ETF (DBC)
Invesco DB MS Energy (DBE)
United States 12-Month Oil (USL)
United States 12-Month Natural Gas ETF (UNL)
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Fruital Investing Group, a privately held company that manages equity and fixed-income assets for individual friends, Family, and partners..
HERE ARE FEW DIVIDEND PAYING COMPANIES:
DIVIDEND ARISTOCRATELEG - VFC - CL - HRL - WMT - GWW - ED - ORILY AUTO PARTS - HCP REIT'S - {MPW] MEDICAL
PROPERTIESLEN = HOME-BUILDER - CHD - ADM - IBM - GM - F - PSEC=PROSPECT CAPITAL
Best Dividend Stocks to Buy for this year... Bristol-Myers Squibb (ticker: BMY) - Pharmaceutical giant
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BLOGSPOT.COM - WWW.FACEBOOK. COM/FRUITALINVESTMENT
Fruital Investing Group, a privately held company that manages equity and fixed-income assets for individual friends, Family, and partners..--------------
Want to Retire Early? Buy and Hold These Dividend Stocks...-------Start early, invest often.
The power of compounding means saving early will lead to a much bigger nest egg at retirement time than waiting to save until midcareer. If your company offers a matching-contribution program for your retirement plan, taking advantage of it will only add to your saving efforts.
---------------How to invest in dividend stocks
Building a portfolio of individual dividend stocks takes time and effort, but for many investors it's worth it. Here’s how to buy a dividend stock:
1. Find a dividend-paying stock. You can screen for stocks that pay dividends on many financial sites, as well as on your online broker's website. We've also included a list of high-dividend stocks below.
2. Evaluate the stock. To look under the hood of a high-dividend stock, start by comparing the dividend yields among its peers. If a company’s dividend yield is much higher than that of similar companies, it could be a red flag. At the very least, it’s worth additional research into the company and the safety of the dividend.
Then look at the stock’s payout ratio, which tells you how much of the company’s income is going toward dividends. A payout ratio that is too high — generally above 80%, though it can vary by industry — means the company is putting a large percentage of its income into paying dividends.
--------- Financial Literacy For Everyone at: Visionone Holding Company - visiononeholding.blogspot.com - www.facebook.com/visiononeholding --- ------Financial Knowledge For All at: Fruital INvestment Group And Wealth Management - fruitalinvestment.blogspot.com - - - www.facebook.com/fruitalinvestment ----------------HERE ARE FEW DIVIDEND PAYING COMPANIES:
DIVIDEND ARISTOCRATELEG - VFC - CL - HRL - WMT - GWW - ED - ORILY AUTO PARTS - HCP REIT'S - {MPW] MEDICAL
PROPERTIESLEN = HOME-BUILDER - CHD - ADM - IBM - GM - F - PSEC=PROSPECT CAPITAL
Best Dividend Stocks to Buy for this year... Bristol-Myers Squibb (ticker: BMY) - Pharmaceutical giant
Knowledge Financial Group / Financial News/ Business News-Fem Konsa - LEARN MORE, CLIK ON THE LINKS...
The Coca-Cola Co. == GD)Genuine Parts Co. == (GPC)Hormel Foods Corp.
(KO)Colgate-Palmolive Co. = === (CL)Consolidated Edison (ED)Dover Corp.
Duke Energy Corp. (DUK) - The best dividend stocks are the “set it and forget it” type investments – companies you can buy, own,
and literally forget about .... === (PPG)Procter & Gamble Co. (PG
Intel Corp. (INTC) - Another (quite different) tech company that makes the cut as one of the best dividend stocks to buy...===============
Dividend investing is wildly popular, but the dilemma is how to get it right. What’s the best way to earn dividend income without taking on excess risk?
For many investors, fixed income strategies are out of the question. Rising interest rates have sent bond prices into the tank, leaving dividend stocks as a preferred alternative. With equities, you can at least hope to temper volatility by owning stable, dividend-paying companies.
- ------
- Whether you take the cash or reinvest the dividend payments, you own companies that are confident in their own future—after all, only profitable companies tend to pay dividends. Dividend ETFs make it even easier to own a diversified portfolio of great dividend stocks...
- -----------
Traders are everywhere but Smarter investors are here at: Visionone Capital Management - www.visiononecapital.
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Whether you are actively trading or investing for the long term... www.moneywisers.
blogspot.com --------------Knowledge is your most valuable asset. That's why we built a one-of-its kind - website, blogs, social media pages... Buyheremarket enterprise - www.buyheremarket.blogspot.com -------------------- =========='INVEST IN BLUE CHIP STOCKS......Investors in blue chip stocks are generally assured of receiving regular dividend payments and having their portfolios protected against inflation.Most investors understand that blue-chip stocks have stable earnings. During an economic downturn, investors may turn to these perceived "safe havens" because of their steady nature.--------------Money Wisers Group - http://www.
knowledgefinancialgroup.com/ moneywisers Improve your financial skills. ''Saving, budgeting and planning! Opportunities to Improve the Financial Capability and Financial Well-being. WWW.FACEBOOK.COM/MONEYWISERS-------------Good financial advice is hard to find, butluckily you found us. WWW.MONEYWISERS.BLOGSPOT.COM----------------------INVEST IN INDEX FUNDS....When you buy an index fund, you get a diversified selection of securities in one easy, low-cost investment. Some index funds provide exposure to thousands of securities in a single fund.----------------------Index Funds: How to Invest and Best Funds.....Index funds are a low-fee, no-fuss way to invest. It might be the smartest and easiest investment you ever make.1. Pick which index2. Select which index fund3. Decide where to buyIndex funds are investments made up of stocks that mirror the companies and performance of a market index, such as the S&P 500. Index funds are passively managed and have lower fees than actively managed funds, and often generate higher investment returns. www.timoun2000.com/visionairebiz ----------------Pick which indexIndex mutual funds track various indexes. The Standard & Poor’s 500 index is one of the best-known indexes because the 500 companies it tracks include large, well-known U.S.-based businesses representing a wide range of industries.But the S&P 500 isn’t the only index in town.----------------Company size and capitalization. Index funds that track small, medium-sized or large companies (also known as small-, mid- or large-cap indexes).==================Money Making Network Organization Is On Facebook''- facebook.com/moneywisers-------------------' 'Buy Here Market Enterprise LLC is on facebook''- facebook.com/buyheremarket--------------'' Visionaire Business Center: Visionairebiz is on facebook''- facebook.com/visionairebizInternet Blogs: https://knowledgefinancialgroup.com/ blogpage Before you start investing in exchange traded funds, decide on the financial goals you’d like to achieve. How you intend to use the returns from your ETF investing.---------------------Here’s how to decide how much of the four main types of ETFs you should include in your asset allocation:Bond ETFs. When you purchase a bond ETF, you’re investing in hundreds of bonds at once. Bond exchange traded funds—also referred to as fixed-income ETFs—are less volatile than stock funds, meaning their value remains relatively consistent and may see modest gains over time.This makes them a good option if you have a shorter investment timeline or would like to add stability to your portfolio.--------------------Stock ETFs. Generally offering more risk than bond funds but greater returns, stock ETFs make sense when you’re investing for long-term goals, such as retirement.-----------If you are decades away from your financial goals, your portfolio should be mostly in stocks to give your money the best chance to grow. https://www.facebook.com/femkonsa/ ----------------------International ETFs. Investing in international stocks and bonds adds even greater diversification to your portfolio.International ETFs give you easy exposure to companies based outside of the United States as well as forex, or currency trading.According to Vanguard, international ETFs should make up no more than 30% of your bond investments and 40% of your stock investments.-------------Great News, Excellent Information: Here is a wonderful website to visit: WWW.KNOWLEDGEFINANCIALGROUP.COM Learn whatever you want, when you want. At WWW.KNOWLEDGEFINANCIALGROUP.COM THERE IS SOMETHING FOR EVERYBODY. -------------KNOWLEDGEFINANCIALGROUP.COM IS VERY INFORMATIVE, EXTREMELY EDUCATIVE. IT IS A STRESS REDUCING WEBSITE. WWW.KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM VISIONONE HOLDING COMPANY - WWW.FACEBOOK.COM/VISIONONONEHOLDING
==========The best tech stocks to buy = Microsoft Corp. (MSFT)Dell Technologies (DELL)Adobe (ADBE) AT&T (T)Facebook (FB)
STMicroelectronics (STM)Alibaba Group Holding (BABA)IAC/Interactive Corp. (IAC)58.com (WUBA) The Rubicon Project (RUBI)
---------------
Best Blue-Chip Stocks to Buy The best blue-chip stocks this year When investors think of blue-chip stocks, they think of tried and true, large companies with entrenched businesses. They think of robust cash flows, healthy financials, and stocks they can own and still sleep well at night regardless of short-term gyrations.
----------------
The best blue-chip stocks to buy ... Berkshire Hathaway (BRK.B, BRK.A)AbbVie (ABBV)Alibaba Group Holding (BABA)
Johnson & Johnson (JNJ)Facebook (FB) British American Tobacco p.l.c. (BTI)McDonald’s Corp. (MCD)Duke Energy (DUK) Dollar
General Corp. (DG)Novartis (NVS)
--------------
The Best Health Care Stocks to Buy = DaVita (DVA)Novartis (NVS)Idexx Labs (IDXX)AbbVie (ABBV)Anthem (ANTM)Takeda
Pharmaceutical (TAK)CVS Corp. (CVS)Cigna (CI)Intercept Pharmaceuticals (ICPT)Johnson & Johnson (JNJ)
==========---------------------Investing in Growth Stocks...Investing in growth stocks can be a great way to earn life-changing wealth in the stock market. The key, of course, is to know which growth stocks to buy -- and when..What is a growth stock?
Growth Investing: A Step-by-Step Guide for Getting Started
Everything you need to know to become a successful growth investor.Growth stocks are companies that increase their revenue and earnings at a faster rate than the average business in their industry or the market as a whole. Growth investing, however, involves more than picking stocks that are going up.
Often, a growth company has developed an innovative product or service that is gaining share in existing markets, entering new markets, or even creating entirely new industries.
Businesses that can grow faster than average for long periods tend to be rewarded by the market, delivering handsome returns to shareholders in the process. And, the faster they grow, the bigger the returns can be.
Unlike value stocks, high-growth stocks tend to be more expensive than the average stock in terms of profitability ratios, such as price-to-earnings, price-
to-sales, and price-to-free-cash-flow ratios. -------- Financial Literacy For Everyone at: Visionone Holding Company - visiononeholding.blogspot.com - www.facebook.com/
visiononeholding --- ------Financial Knowledge For All at: Fruital INvestment Group And Wealth Management - fruitalinvestment.blogspot.com - - - www.facebook.com/fruitalinvestment ----------------Get comfortable with growth approaches
Now that you're on the path toward stronger finances, it's time to arm yourself with another powerful tool: knowledge. After all, there are a few flavors of growth investing strategies you can choose to follow.
--------------------
Buying growth funds
The easiest way to gain exposure to a diverse range of growth stocks is through a fund. Many retirement plans feature growth focused options, and these could form the basis of your investing strategy.
Stepping further out into self-directed choices, consider purchasing a growth-based index fund. Index funds are ideal investment vehicles because they deliver diversification at lower expenses than with mutual funds.
------
Maximize returns
Growth stocks tend to be volatile, and while your aim should be to hold each investment for a minimum of several years, you'll still want to keep an eye on significant pricing changes for a few key reasons.
-------------------
Growth ETFs
Looking to invest in the leading growth companies? Here are the top six growth ETFs to consider investing in.Vanguard Growth ETF
The Vanguard Growth ETF (VUG
Vanguard Mega-Cap Growth ETF
For those who believe the big winners will keep winning, the Vanguard Mega-Cap Growth ETF (MGK
iShares Russell Mid-Cap Growth ETF (IWP
Vanguard Small-Cap Growth ETF (VBK
DGRW: WisdomTree U.S. Quality Dividend Growth Fund
SPYG - S&P 500® Growth ETF | Do More With SPDR ETFs
Vanguard Growth = VUG------ You Can Learn What You Want, When You Want
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--------------Money Market Funds: Risks
and Benefits''''''
Money market funds are mutual funds that investors typically use for relatively low-risk holdings in a portfolio.1 These funds typically invest in short-term debt instruments, and they pay out earnings in the form of a dividend. A money market fund is not the same as a money market account at a bank or credit union.-----------Money market funds are open-ended funds, meaning they may sell unlimited shares to customers...------------------------There’s a big difference between money market funds and money market accounts.Money market funds are mutual funds that invest in securities, and they can potentially lose value.Money market accounts are often FDIC-insured issued by banks or credit union.------------================Schwab Money Fund designed to offer stability of
capital, liquidity, and income.chwab Government Money Fund –
Investor Shares (SNVXX)
Schwab Treasury Obligations Money Fund – Investor Shares (SNOXX)
Schwab U.S. Treasury Money Fund – Investor Shares (SNSXX)
Schwab Municipal Money Fund - Investor Shares (SWTXX)==============
Visionone Holding Company - visiononeholding.blogspot.com If you’re passionate about investing, you’re in the right place.Knowledge Financial Group - www.knowledgefinancialgroup.blogspot.com - From experience to industry knowledge that's leading to financial education and financial literacy,we provide the knowledge you need to become an even wiser, smarter investor.-------Money Market Fund Investments
Money market funds invest in short-term securities.
By keeping a short time frame, these funds attempt to reduce uncertainty, which may help to manage risk.
These funds are required to keep investment maturities to 397 days or less...
----------------
Types of Money Market Funds...
Money market mutual funds are defined by their type of investments, typically labeled as government, prime or municipal funds.
-------
Prime and municipal funds are further classified as retail or institutional, depending upon the
type of investors in the fund. Government funds must invest 95.5% of their assets in
government-issued securities and consequently are extremely safe.
---------
Municipal money market funds invest in municipal bonds issued by municipalities and municipal agencies, which pay interest exempt from federal income tax.
------------
Prime money market funds invest in corporate commercial paper, repurchase agreements, certificates of deposit, and other bank debt securities.
------------MONEY MARKET FUNDS:Money market funds are highly liquid mutual funds -But money market funds are low risk - low return funds.---------------Money market funds generaly fall in 3 three different categories...Government money market funds - 2 - Prime money market funds and -3-Municipal money market funds.-----------NOTE: Government money market funds usually invest in short term treasury securities---------Treasury money market funds are considered a subset of government money market funds-------------Where to Buy Money Market Funds?
When it comes to money market funds, you have choices. They are plentiful at brokerage houses and
mutual fund companies.
----------------
Note
Before investing in a money market fund (or any other fund), read the fund’s prospectus carefully. This disclosure document explains some of the risks, fees, minimums, and other features of each fund.
-----------------Fidelity's FZDXX, preferred class money market funds -Prime money market funds like Fidelity SPRXX AND Schwabs SWVXX invest primeryly in short term,high quality debt securities in US IN NON- US issuers like: CD'scommercial papers, bankers acceptances etc.------------A bankers acceptance is like a post= dated check. A promise future payment issued and guaranteed by a bank.---------Municipal money market funds like Vangurad VCTXX AND VYFXX invest in short-term municipal which areissued by states, counties, or cities...-----------Money market funds, regardeless of the types; can sometimes be split into two classes: retail investor andinstitutional investors like pension fund, insurance companies, corporations, edge fund companies etc.---------------
Best Money Market Mutual Funds
For This Year...
BlackRock Wealth Liquid Environmentally Aware Fund Investor (PINXX)
Fidelity Money Market Fund (SPRXX)
Schwab Value Advantage Money Fund Investor (SWVXX)
T. Rowe Price U.S. Treasury Money Fund Z (PRTXX)
Invesco Premier Portfolio Institutional (IPPXX)
- ----------------------------
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COM/VISIONAIREBIZ === What Are US Treasury Bills?
A Treasury bill (T-bill) is a short-term debt security issued by the United States Department of the Treasury. T-bills have a maturity of less than one year and are sold at a discount from their face value. The difference between the purchase price and the face value represents the interest earned on the T-bill.
Investors Might Want to Climb a Treasury Ladder
What is a T-bill ladder and why should you build one?
A T-bill ladder is the process of investing in Treasury bills with varying maturity lengths and holding them until maturity (maturity periods are between 4 and 52 weeks). When the bills with the shortest timeline mature, you roll them over into a longer timeline.
The idea is that interest rates will rise over time (this is based on the assumption that the U.S. government will increase interest rates to continue fighting inflation)
A treasury bill ladder is an investment strategy that cap markets and finance teams use to generate yield on their idle cash. Essentially, they leverage a bank or broker-partner to purchase a series of Treasury bills (T-bills) with varying maturities of 1-12 months.
How You Can Make Money With a Treasury Bill Ladder...
- A Treasury bill ladder consists of a series of short-term Treasury bills that can be rolled over to higher rates every time they mature.
- Because investors hold the bills until maturity, they don’t have to worry about changing values in the secondary market. As interest
- rates rise, every increase is captured in the next T-bill purchase, which raises the investor’s yield. If the investor needs cash at that
- moment – or finds a better investment – they can simply take the money and move on.It, Anytime You want. =
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-------
Discipline is the bridge between goals and accomplishment.
---------------
Opportunity plus preparation equal success..
twitter.com/financialschool - -----------
How to buy T-bills -
How to buy US Treasury Bills (T-Bills)
When you buy T-bills through Public, you lock your investment in at a 5.0% yield. All you have to do is:
- Move your cash to the Public brokerage app by linking a bank account or making a deposit with your debit card.
- Create your Treasury Account, which lets you purchase and manage your Treasury bills from one account.
- Purchase U.S. T-bills through your Public account and lock in your rate.
- Many individuals hesitate to invest their cash due to the inherent risk involved in the market. They understand that while the potential for gains exists, there is also the possibility of losing money.
- You can buy T-bills through most investment platforms, usually at a minimum investment of $1,000, or straight from the government at TreasuryDirect.gov, where the minimum investment is a mere $100. And while bank interest and gains on other bonds are subject to state, local and federal tax, profits from Treasuries are taxed only at the federal level, as ordinary income.
- ---------------------------------------
- The investor purchases a four-week bill, an eight-week bill and a 13-week bill, all in equal amounts.
- When the four-week bill matures, the investor buys a new 13-week bill, at what’s expected to be a higher rate.
- When the eight-week bill matures, the investor buys another new 13-week bill, at what’s also expected to be a higher rate.
- The investor now has a ladder of 13-week Treasuries, with one maturing every four weeks that can be rolled over into another 13-week T-bill.
- This strategy can be repeated until rates start to decline, the investor needs cash, or the investor finds a better alternative
- investment.
Here’s what the returns would look based on the most recent T-bill auction:
- 4-Week Treasury: 2.703%
- 8-Week Treasury: 3.122%
- 13-Week Treasury: 3.343%
- 52-Week treasury: 4.115%
- --------------
Treasury Inflation Protected Securities (TIPS)
TIPS and Taxes - As with most investments, TIPS earnings are subject to taxes, at least on the federal level. Earnings are generally exempt from state and local taxes.
------------TIPS Are Backed by the Full Faith and Credit of Uncle Sam
While many investments may outperform inflation over time, TIPS are the only one guaranteed to do this that also have all of the benefits of standard Treasury bonds.
----------- How to Buy TIPS
You can buy TIPS through your online brokerage account or directly from the U.S. Treasury at TreasuryDirect.
If you choose to buy TIPS on the secondary market, be sure to compare how much the current inflation-adjusted par value differs from the original par value. Remember: You are only guaranteed to receive payment up to the original face value of a TIPS. If its price is above the issue price, you could lose money if deflation drags the par value to less than you paid.
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Dollar-Cost Averaging =Dollar-cost averaging is the strategy of investing in stocks or funds at regular intervals to spread out purchases. If you make regular contributions to an investment or retirement account, such as an individual retirement account (IRA) or 401(k), you may already be dollar-cost averaging.Dollar-Cost Averaging (DCA)
Dollar-Cost Averaging?
Investing can be challenging. Even experienced investors who try to time the market to buy at the most opportune moments can come up short.
Dollar-cost averaging is a strategy that can make it easier to deal with uncertain markets by making purchases automatic. It also supports an investor's effort to invest regularly.
Dollar-cost averaging involves investing the same amount of money in a target security at regular intervals over a certain period of time, regardless of price. By using dollar-cost averaging, investors may lower their average cost per share and reduce the impact of volatility on the their portfolios.
In effect, this strategy eliminates the effort required to attempt to time the market to buy at the best prices.
----------Compound Interest =Compound interest is calculated by multiplying the initial principal amount by one plus the annual interest rate raised to the number of compound periods minus one. The total initial principal or amount of the loan is then subtracted from the resulting value.----------Compound interest...
Starting young lets the students take advantage of the magic of "compound interest." Compound interest is the interest you earn on interest. This can be illustrated by using basic math: if you have $100 and it earns 5% interest each year, you'll have $105 at the end of the first year. At the end of the second year, you'll have $110.25. Not only did you earn $5 on the initial $100 deposit, you also earned $0.25 on the $5 in interest. While 25 cents may not sound like much at first, it adds up over time.
-----------Compounding Interest Periods...
Compounding periods are the time intervals between when interest is added to the account. Interest can be compounded annually, semi-annually, quarterly, monthly, daily, continuously, or on any other basis.2
Interest on an account may accrue daily but only credited monthly. Only when the interest is credited, or added to the existing balance, does the interest begin to earn additional interest.
Compound Interest...
The Rule of 72 is a great way to estimate how your investment will grow over time. If you know the interest rate, the Rule of 72 can tell you approximately how long it will take for your investment to double in value.Simply divide the number 72 by your investment’s expected rate of return (interest rate). Assuming an expected rate of return of 9%, your investment will double in value about every 8 years (72 divided by 9 equals 8).-------------
- Savings accounts and money market accounts: The commonly used compounding schedule for savings accounts at banks is daily.
- ---------
- Certificate of deposit (CD): Typical CD compounding frequency schedules are daily or monthly.
- Series I bonds: Interest is compounded semiannually, or every six months.
- --------------
- Loans: For many loans, interest is often compounded monthly. However, compounding interest may be called something different, such as "interest capitalization" for student loans.
- --------------
- Credit cards: Card interest is often compounded daily, which can add up fast
----------------------Small steps, long vision.Preparation, preparation for unforeseen events life may bring... An emergency fund 3 to 6 months of monthly expenses can help...==============Financial Literacy - Financial Knowledge At: KNOWLEDGE FINANCIAL GROUP - KNOWLEDGEFINANCIALGROUP.COM
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-----------
Mutual Fund: A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, money market instruments, and other assets like short-term debt. The combined holdings of the mutual fund are known as its portfolio.
Mutual funds are operated by professional money managers. The price of a mutual fund share is referred to as the net asset value (NAV) per share, sometimes expressed as NAVPS.There is a fund for nearly every type of investor or investment approach.------------Types of Mutual Funds: - types of mutual funds include money market funds, sector funds, alternative funds, smart-beta funds, target-date funds, and even funds of funds, or mutual funds that buy shares of other mutual funds.-------------Fixed-Income Funds: Another big group is the fixed income category. A fixed-income mutual fund focuses on investments that pay a set rate of return, such as government bonds, corporate bonds, or other debt instruments.-----------Equity Funds: The largest category is that of equity or stock funds. As the name implies, this sort of fund invests principally in stocks.--------The term value fund refers to a style of investing that looks for high-quality, low-growth companiesThere are also growth funds, which look to companies that have had (and are expected to have) strong growth in earnings, sales, and cash flows.-----------The size of the companies that a mutual fund invests in. Large-cap companies have high market capitalizations, with values over $10 billion. Market cap is derived by multiplying the share price by the number of shares outstanding.Large-cap stocks are typically blue chip firms that are often recognizable by name.--------------Small-cap stocks refer to those stocks with a market cap ranging from $300 million to $2 billion. These smaller companies tend to be newer, riskier investments. Mid-cap stocks fill in the gap between small- and large-cap.-------------Index Funds: Another group, which has become extremely popular in the last few years, falls under the moniker "index funds." Their investment strategy is based on the belief that it is very hard, and often expensive, to try to beat the market consistently.So, the index fund manager buys stocks that correspond with a major market index such as the S&P 500 or the Dow Jones Industrial Average (DJIA).-------------Exchange Traded Funds (ETFs: ) A twist on the mutual fund is the exchange traded fund (ETF). These ever more popular investment vehicles pool investments and employ strategies consistent with mutual funds, but they are structured as investment trusts that are traded on stock exchanges and have the added benefits of the features of stocks. For example, ETFs can be bought and sold at any point throughout the trading day.------------Balanced Funds: Balanced funds invest in a hybrid of asset classes, whether stocks, bonds, money market instruments, or alternative investments.The objective is to reduce the risk of exposure across asset classes.This kind of fund is also known as an asset allocation fund.----------Money Market Funds: The money market consists of safe (risk-free), short-term debt instruments, mostlygovernment Treasury bills. This is a safe place to park your money.--------------You won't get substantial returns, but you won't have to worry about losing your principal.A typical return is a little more than the amount you would earn in a regular checking or savings account.--------------------------------------------Income Funds: Income funds are named for their purpose: to provide current income on a steady basis.These funds invest primarily in government and high-quality corporate debt, holding these bonds until maturity inorder to provide interest streams.While fund holdings may appreciate in value, the primary objective of these funds is to provide steady cash flow to investors.-----------
THE INFORMATION YOU WANT at: WWW.KNOWLEDGEFINANCIALGROUP.COM --------------KNOWLEDGE FINANCIAL GROUP IS HERE TO HELP, TO SERVE PEOPLE EVERYWHERE. VISIT: WWW.KNOWLEDGEFINANCIALGROUP.COM Healthcare knowledge, sexual knowledge, SEX, SEX, SEX AT: WWW.KNOWLEDGEFINANCIALGROUP.COM --------------Improve your financial skill - Increase your financial education -Mutual Fund Fees: A mutual fund will classify expenses into either annual operating fees or shareholder fees.Annual fund operating fees are an annual percentage of the funds under management, usually ranging from 1–3%. Annual operating fees are collectively known as the expense ratio.A fund's expense ratio is the summation of the advisory or management fee and its administrative costs. Shareholder fees, which come in the form of sales charges, commissions, and redemption fees, are paid directly by investors when purchasing or selling the funds.Sales charges or commissions are known as "the load" of a mutual fund. When a mutual fund has a front-end load, fees are assessed when shares are purchased.For a back-end load, mutual fund fees are assessed when an investor sells his shares. Some funds also charge fees and penalties for early withdrawals or selling the holding before a specific time has elapsed.-------------Currently, most individual investors purchase mutual funds with A shares through a broker. This purchase includes a front-end load of up to 5% or more, plus management fees and ongoing fees for distributions, also known as 12b-1 fees.--------------------Closed-End Fund: A closed-end fund raises capital for investment through a one-time sale of a limited number of shares, which may then be traded on the markets.----------------Open-End Fund?An open-end fund is a diversified portfolio of pooled investor money that can issue an unlimited number of shares. The fund sponsor sells shares directly to investors and redeems them as well.These shares are priced daily based on their current net asset value(NAV) Some mutual funds, hedge funds, and exchange-traded funds (ETFs) are types of open-end funds.-----------An open-end fund provides investors an easy, low-cost way to pool money and purchase a diversified portfolio reflecting a specific investment objective. Investing objectives include investing for growth or income, and in large-cap or small-cap companies, among others. Further, the funds can target investments into specific industries or countries.-------------The Difference of Closed-End FundsClosed-end funds launch through an initial public offering (IPO) and sell on the open market.The closed-end fund shares trade on an exchange and are more liquid. They price trades at a discount or premium to the NAV based on supply and demand throughout the trading day.Since closed-end funds do not have that requirement, they may invest in illiquid stocks, securities or in markets such as real estate.Closed-end funds may impose additional costs through wide bid-ask spreads for illiquid funds, and volatile premium/discount to NAV. Closed-end funds demand that shares be traded through a broker.---------====================Learn Anything You Desire At Knowledge Financial Group --------------------=======================
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comWHERE TO INVEST?Invest in real estate tax liens and let your money work for you....
INVEST IN: Common Stock: Equity investment that represents ownership in a corporation; each share represents a fractional ownership in a company..
====
INVEST IN: Preferred Stock: Equity investment in a corporation who has a stated dividend rate, payment of which is given preference over common stocks..
========
INVEST IN: Bonds, Fixed Securities: Investments vehicles that offer a fixed period of return..- ======
- INVEST IN: Mutual Funds: Companies that raise money from the sales of shares and invest in professionally managed diversified portfolio of securities using PMM= professional money manager..
==============
INVEST IN: Options: They are securities that give the investors an opportunity to sell or buy another security as a specified price over given period of time. Options are not guaranteed any return and could even lose the entire amount invested. There are basically three common types of options: Puts - Calls - And Warrants.. WWW.FACEBOOK.COM/ZONEBUSINESS
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INVEST IN: Futures: They are legally binding obligations stipulating that the sellers of such contracts will make delivery .
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Financial And Retirement Planning Goals, Strategies for Every Decade of Life...
FACEBOOK.COM/
KNOWLEDGEFINANCIALGROUP Good choice, excellent decisions is needed for each decade in life.
Set yourself up for future financial success by living each decade to its fullest.
FACEBOOK.COM/FRUITALINVESTMENT
Which decade can you afford to take more, or less risk? Which decade should you really start to plan seriously for retirement?
Which decade should you focus on managing debts?
Which decade should you take control over your finances?
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Invest in Yourself:
When you are in your 20s and just starting a career, take time to invest in yourself, in your financial education..
Take the time to grow your human capital, life experiences and knowledge -- it doesn't get easier to invest in yourself later on in life.
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Take Some Risk Early In Life:
When you're young is the best time to take risk.
It's true from both an investment standpoint and a life standpoint.
When investing, look for equities and don't invest too conservatively -- you have a long time horizon to let your money grow and to catch up, or to recover in case of lost.
Take risks in life, too. Look for start-ups and opportunities that will let you grow and flourish. TWITTER.COM/
FINANCIALSCHOOL -----------
For the rainy days, remember to develop an emergency fund that holds about three to six months of your living expenses in cash difficult time arrives because life has ups and downs. Better prepare than sorry. Prevention is superior of cure.
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==============NOTE: Based on many observations and personal experience.
Self discipline - proper mind set - good instincts and experience are likely more
valuable than any technical indicator or supply and demand graph.
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NOTE: When trading or investing the method you choose to use should be
based on and your risk tolerance - your personality and risk capital.
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NOTE: Traders and investors should be aware of the alternatives available to
them and know which fits their personal trading profile.
Before considering putting money on the line in front of wolves, lions, tigers,
bears etc.
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NOTE: Here's some of the most valuable component to trading success is
making sure your account lives to trade another day.
Without sufficient capital you're out of business. Financial Literacy For Everyone at: Visionone Holding Company - visiononeholding.blogspot.com - www.facebook.com/visiononeholding --- ------Financial Knowledge For All at: Fruital INvestment Group And Wealth Management - fruitalinvestment.blogspot.com - - - www.facebook.com/fruitalinvestment ----------------------------------------------------------- Investment Management: More Than Just Buying and Selling Stocks & bonds...
Investment management is also known as money management, portfolio management, or wealth management.Investment management refers to the handling of financial assets and other investments—not only buying and selling them. Management includes devising a short- or long-term strategy for acquiring and disposing of portfolio holdings. It can also include banking, budgeting, and tax services and duties, as well.Professional managers deal with a variety of different securities and financial assets, including bonds, equities, commodities, and real estate. The manager may also manage real assets such as precious metals, commodities, and artwork. Managers can help align investment to match retirement and estate planning as well as asset distribution.In corporate finance, investment management includes ensuring a company's tangible and intangible assets are maintained, accounted for, and well-utilized.------------------Asset Management
- The goal of asset management is to maximize the value of an investment portfolio over time while maintaining an acceptable level of risk.
- Asset management as a service is offered by financial institutions catering to high-net-worth individuals, government entities, corporations, and institutional investors like colleges and pension funds.
- Asset managers have fiduciary responsibilities. They make decisions on behalf of their clients and are required to do so in good faith.
Asset management is the practice of increasing total wealth over time by acquiring, maintaining, and trading investments that have the potential to grow in value.Asset management professionals perform this service for others. They may also be called portfolio managers or financial advisors.-----------The asset manager's role is to determine what investments to make, or avoid, to realize the client's financial goals within the limits of the client's risk tolerance. The investments may include stocks, bonds, real estate, commodities, alternative investments, and mutual funds, among the better-known choices.
The asset manager is expected to conduct rigorous research using both macro and microanalytical tools. This includes statistical analysis of prevailing market trends, reviews of corporate financial documents, and anything else that would aid in achieving the stated goal of client asset appreciation.
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Portfolio Management:
Portfolio management is the selection, prioritisation and control of an organisation's programmes and projects, in line with its strategic objectives and capacity to deliver. The goal is to balance the implementation of change initiatives and the maintenance of business-as-usual, while optimising return on investment.
Portfolio manager is a professional responsible for making investment decisions and carrying out investment activities on behalf of vested individuals or institutions. Clients invest their money into the PM's investment policy for future growth, such as a retirement fund, endowment fund, or education fund.
- Investment portfolio management involves building and overseeing a selection of assets such as stocks, bonds, and cash that meet the long-term financial goals and risk tolerance of an investor.
- Active portfolio management requires strategically buying and selling stocks and other assets in an effort to beat the performance of the broader market.
- Passive portfolio management seeks to match the returns of the market by mimicking the makeup of an index or indexes.
- Investors can implement strategies to aggressively pursue profits, conservatively attempt to preserve capital, or a blend of both.
- Portfolio management requires clear long-term goals, clarity from the IRS on tax legislation changes, understanding of investor risk tolerance, and a willingness to study investment options.
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Social Media Investment Knowledge And Information...========-----------You Can Learn What You Want, When You Want
It, Anytime You want. =
www.facebook.com/knowledgefinancial
Learn Anything You Desire At Knowledge Financial Group -
KNOWLEDGEFINANCIALGROUP.COM
The Right Information When You Need It. =
knowledgefinancialgroup.blogspot.com
We encourage you to take advantage of all of our resources
and use them often. / facebook.com/knowledgefinancialgroup
Knowledge Financial Group - Your personal financial well-being @
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Knowledge Financial Group Is Here To Help, And To Serve ,
Go To: http://www.knowledgefinancialgroup.com/ financialgroup
Knowledge Financial Group - Financial Literacy For Everyone @
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Knowledge Financial Group provides useful information @
https://www.linkedin.com/in/knowledgefinancial
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Discipline is the bridge between goals and accomplishment.
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Opportunity plus preparation equal success..
twitter.com/financialschool
--------=======------Generational wealth: buy s&p 500 index fund, and or etf -
Buy Nasdaq index funds, and or etf
Buy Dow jones index fund or ETF's
Buy funds from the develop market like:
Swiss 20 of Swisszerland etf, index fund, or etf
Buy FTSE 100 from London stock exchange index or etf -
Buy CAC40 fromFrance market index fund and or etf
Buy TSX60 of Canada index funds and etf -
Buy Dax40 of Germany index fund and or etf.s
---------------
How to Invest in Real Estate? Much More Info @ FACEBOOK.COM/FINANCIALSCHOOLAND ALSO AT: FACEBOOK.COM/ KNOWLEDGEFINANCIAL South Florida seniors face 'devastating' impacts of housing crisis, worry about evictions80% of Florida seniors say they're 'somewhat likely' to be evicted ... A recent survey by the United States Census Bureau of seniors 65 and older across the country found 32% think they're "somewhat likely" to be evicted . "About five to seven seniors a week are calling that they cannot afford their apartments anymore or they're afraid of being evicted,"--------There's a massive housing shortage across the U anthonyrealestate.blogspot.com.S. Home prices are up more than 30% over the past couple of years, making homeownership unaffordable for millions of Americans. Rents are rising sharply too. The biggest culprit is this historic housing shortage. Strong demand and low supply mean higher prices. Part of the problem goes back to the last housing crash, which happened around 2008. After that, many homebuilders went out of business, and economists say we didn't build enough for a decade. = -Real Estate Club... Real Estate Investment Group:www.facebook.com/visionairerealestate ------- Visionaire Real Estate Investment- https://www.facebook.com/ visiononerealestates --------
Real Estate Investing Tools & Resources. EMAIL THE REAL ESTATE EXPERTS AT: Learn more about us on twitter.com/agentantony
Real Estate is the absolute pathway to build wealth. antonyrealestate.blogspot.com/
Why renting when you can buy your own property. Stop paying mortgages for someone else, Start building wealth and prepare for retirement..
realestateworldclass.blogspot.com Visionone real estate investment Group loves commercial real estate.. What is commercial real estate?
facebook.com/visionairerealestate
==============================Saving money wisely, = visionone holding company = facebook.com/visiononeholding Planning intentionally, = visionone capital management = facebook.com/visiononecapital Building wealth perfectly, = fruital investment group = facebook.com/fruitalinvestment Budgeting correctly, = knowledge financial group - facebook.com/knowledgefinancial Investing effectively, = femkonsa capital investment - facebook.com/femkonsaPrepare for the future , buyheremarket enterprise - facebook.com/buyheremarketInvest in real estate with knowledge, = real estate investment group - facebook.com/realestates=========Sophisticated Investor'
A type of investor who is deemed to have sufficient investing experience and knowledge to weigh the risks and merits of an investment opportunity
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Sophisticated investors
are the dream clients of most financial services firms, as they generate much higher fees than
retail investors.
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Net worth and income
restrictions must be met before a person can be classified a sophisticated investor
-------- Financial Literacy For Everyone at: Visionone Holding Company - visiononeholding.blogspot.com - www.facebook.com/visiononeholding --- ------Financial Knowledge For All at: Fruital INvestment Group And Wealth Management - fruitalinvestment.blogspot.com - - - www.facebook.com/fruitalinvestment ----------------Sophisticated investors
may have to prove their net worth prior to being eligible to purchase certain security types
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a sophisticated investor
must have either a net worth of $2.5 million or have earnedmore than $250,000 in the past
two years to qualify.
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Can assume a total loss of investment principal without causing severe damage to their
overall net worth.===========Accredited Investors...
Under the Securities Act of 1933,
a company that offers or sells its securities must register the securities with the SEC
We at knowledge financial group - knowledgefinancialgroup.com
// we empower consumers to take more control over their financial lives.
---------
The Act provides companies with a number of exemptions. For some of the exemptions, such as
rules 505 and 506 of Regulation D, a company may sell its securities to what are known as
"accredited investors." The term accredited investor is defined in Rule 501 of Regulation D.
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Generally, accredited investors include high-net-worth individuals, banks, and other large corporations, who have
access to complex and higher- risk investments such as venture capital, hedge funds and angel investments.
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Accredited investors include individuals, banks, insurance companies, employee benefit plans, and trusts etc.
Accredited Investor
In order for an individual to qualify as an accredited investor, the or she must accomplish at
least one of the following:
1) earn an individual income of more than $200,000 per year, or a joint income of $300,000, in each
of the last two years and expect to reasonably maintain the same level of income.
2) have a net worth exceeding $1 million, either individually or jointly with his or her spouse.
3) be a general partner, executive officer, director or a related combination thereof for the
issuer of a security being offered.
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An employee benefit plan or a trust can be qualified as accredited investors is total assets are in
excess of $5 million.
---------
What does it mean to be an accredited investor?
We at knowledge financial group - knowledgefinancialgroup.com
we're here to empower people to help them reach their full potential and
achieve their financial goals..
www.knowledgefinancialgroup.com/Financial-Knowledge. --------------------
Institutional Investor'
BY Knowledge Financial Group - Knowledgefinancial.blogspot.com an absolute guide to
entrepreneurs, investors, traders, business oriented people; a success library
for every mind who's willing to increase their knowledge ,,
Institutional Investor'
A non-bank person or organization that trades securities in large enough share
quantities or dollar amounts that they qualify for preferential treatment and
lower commissions.
Institutional investors face fewer protective regulations because it is assumed
that they are more knowledgeable and better able to protect themselves.
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Institutional Investor
A non-bank person or organization that trades securities in large enough share
quantities or dollar amounts that they qualify for preferential treatment and
lower commissions.
--------
Institutional investors face fewer protective regulations because it is
assumed that they are more knowledgeable and better able to protect
themselves
--------=
Institutional investor is a term for entities which pool money to purchase
securities, real property and other investment assets or originate loans.
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Institutional investors include banks, insurance companies, pensions,
hedge funds, investment advisors, endowments and mutual funds.
Operating companies which invest excess capital in these types of assets may
also be included in the term.
Activist institutional investors may also influence corporate governance by
exercising voting rights in their investments.
Visionone Capital Management
http://www.knowledgefinancial.com/visiononecapital
Our commitment is to create investment strategies that can add
value ALWAYS,===========Retail Investor'
Knowledge Financial Group
WILL HELP YOU UNDERSTAND
Individual investors who buy and sell securities for their personal account,
and not for another company or organization.
Also known as an "individual investor" or "small investor".
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An individual who purchases small amounts of securities for him/herself,
as opposed to an institutional investor. Also called individual investor or small investor.================- --
- Prepared By Anthony Of:Knowledge Financial Group -
www.knowledgefinancialgroup.
com - ========== WARNING:Before you start investing in exchange traded funds, decide on the financial goals you’d like to achieve. How you intend to use the returns from your ETF investing.Here’s how to decide how much of the four main types of ETFs you should include in your asset allocation:
- Bond ETFs. When you purchase a bond ETF, you’re investing in hundreds of bonds at once. Bond exchange traded funds—also referred to as fixed-income ETFs—are less volatile than stock funds, meaning their value remains relatively consistent and may see modest gains over time. This makes them a good option if you have a shorter investment timeline or would like to add stability to your portfolio.
- --------------------
- Stock ETFs. Generally offering more risk than bond funds but greater returns, stock ETFs make sense when you’re investing for long-term goals, such as retirement. If you are decades away from your financial goals, your portfolio should be mostly in stocks to give your money the best chance to grow.
- ----------------------
- International ETFs. Investing in international stocks and bonds adds even greater diversification to your portfolio. International ETFs give you easy exposure to companies based outside of the United States as well as forex, or currency trading. According to Vanguard, international ETFs should make up no more than 30% of your bond investments and 40% of your stock investments.
- Financial Literacy For Everyone at: Visionone Holding Company - visiononeholding.blogspot.com - www.facebook.com/
visiononeholding --- ------Financial Knowledge For All at: Fruital INvestment Group And Wealth Management - fruitalinvestment.blogspot.com - - - www.facebook.com/fruitalinvestment ----------------
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