This document provides information on budgeting and financial goals. It discusses developing a personal budget by calculating monthly income, tracking daily spending habits, determining monthly expenses, and preparing a spending plan. The objectives are to learn how to manage money by setting financial goals, preparing a budget, and finding ways to decrease expenses and increase income. Key steps involve being realistic with goals, setting timeframes, considering constraints, and ensuring monthly income exceeds expenses. Tracking tools like spending diaries can help identify where money is going. Maintaining a positive net worth by paying bills and managing debt is also covered.
Smart Directions | Bonds & Annuities | March 17, 2016emmetoneallibrary
This document provides information about annuities and bonds. It defines annuities as investments that convert a lump sum into a stream of monthly income for a fixed period or lifetime. It describes different types of annuities including single premium deferred annuities, single premium immediate annuities, variable annuities, and index annuities. It also defines bonds as traded loans that provide predictable income and discusses types of bonds as well as risks associated with bond investments like interest rate risk and default risk.
This document discusses mutual funds as an investment option. It notes the benefits of mutual funds like professional management, diversification, low minimum investments and fees. It describes different types of costs associated with mutual funds like front-end loads, expense ratios, and management fees. The document provides examples to calculate costs of a load fund. It gives tips for choosing funds based on investment objectives, style, performance and fees. Finally, it outlines different types of mutual funds for long-term investors or those seeking income.
This document discusses balancing saving for retirement and paying for college. It notes that things were different for previous generations who had lower college costs and more robust pensions. While the most expensive option is paying for an Ivy League education, focusing only on retirement means children may have limited college options. The best approach is open communication where both retirement and college are prioritized, including getting children involved in saving for college. Tax-advantaged retirement accounts can be used for college with some pros and cons. 529 plans are also an option after addressing retirement needs. The document provides details on Alabama's 529 plan options.
This document provides an overview of key concepts related to financial markets and investments, including the relationship between risk and return, common investment risks, how financial markets work through supply and demand, major stock and bond exchanges, and types of investments like stocks, bonds, mutual funds, and derivatives. It also discusses factors that affect market prices and the regulation of financial markets.
This document discusses how taxes and trading costs impact wealth management. It notes that maximizing pre-tax returns does not equal maximizing after-tax wealth, and taxes should influence decisions around asset allocation, location, and construction. While taxes are important to consider, they should not dictate investment choices. Examples show how taxes compound over time, reducing post-tax returns significantly, especially in taxable accounts. Proper asset location across individual, tax-deferred, and tax-free accounts can help maximize after-tax wealth. The document also cautions that trading costs, which often exceed stated fees, need to be considered.
The Highwater Capital Fund employs a strategy of researching and trading equities, currencies, bonds and other investments to achieve superior risk-adjusted returns. The Fund uses both macroeconomic top-down analysis and bottom-up fundamental analysis of individual investments to identify opportunities. The Fund's manager, Christopher von Dahm, has over 20 years of experience in finance and seeks investments that exhibit characteristics like strong balance sheets, profitability, and management quality. The Fund aims to balance performance with risk management techniques like position limits and diversification. Past performance includes returns of over 140% since inception but past results do not guarantee future performance.
This document provides an introduction to investing and key concepts like risk and return. It explains that balancing risk and return is important for achieving financial goals. While higher risk investments offer potential for greater returns, they also carry more uncertainty. The document advocates diversifying investments across different asset classes like stocks, bonds, property and cash to reduce risk. It provides data showing how various asset classes have performed over time, with higher risk assets generally providing higher average returns but also more variability in returns. The key is choosing an appropriate mix of assets based on an individual's risk tolerance and time horizon.
This document provides information on budgeting and financial goals. It discusses developing a personal budget by calculating monthly income, tracking daily spending habits, determining monthly expenses, and preparing a spending plan. The objectives are to learn how to manage money by setting financial goals, preparing a budget, and finding ways to decrease expenses and increase income. Key steps involve being realistic with goals, setting timeframes, considering constraints, and ensuring monthly income exceeds expenses. Tracking tools like spending diaries can help identify where money is going. Maintaining a positive net worth by paying bills and managing debt is also covered.
Smart Directions | Bonds & Annuities | March 17, 2016emmetoneallibrary
This document provides information about annuities and bonds. It defines annuities as investments that convert a lump sum into a stream of monthly income for a fixed period or lifetime. It describes different types of annuities including single premium deferred annuities, single premium immediate annuities, variable annuities, and index annuities. It also defines bonds as traded loans that provide predictable income and discusses types of bonds as well as risks associated with bond investments like interest rate risk and default risk.
This document discusses mutual funds as an investment option. It notes the benefits of mutual funds like professional management, diversification, low minimum investments and fees. It describes different types of costs associated with mutual funds like front-end loads, expense ratios, and management fees. The document provides examples to calculate costs of a load fund. It gives tips for choosing funds based on investment objectives, style, performance and fees. Finally, it outlines different types of mutual funds for long-term investors or those seeking income.
This document discusses balancing saving for retirement and paying for college. It notes that things were different for previous generations who had lower college costs and more robust pensions. While the most expensive option is paying for an Ivy League education, focusing only on retirement means children may have limited college options. The best approach is open communication where both retirement and college are prioritized, including getting children involved in saving for college. Tax-advantaged retirement accounts can be used for college with some pros and cons. 529 plans are also an option after addressing retirement needs. The document provides details on Alabama's 529 plan options.
This document provides an overview of key concepts related to financial markets and investments, including the relationship between risk and return, common investment risks, how financial markets work through supply and demand, major stock and bond exchanges, and types of investments like stocks, bonds, mutual funds, and derivatives. It also discusses factors that affect market prices and the regulation of financial markets.
This document discusses how taxes and trading costs impact wealth management. It notes that maximizing pre-tax returns does not equal maximizing after-tax wealth, and taxes should influence decisions around asset allocation, location, and construction. While taxes are important to consider, they should not dictate investment choices. Examples show how taxes compound over time, reducing post-tax returns significantly, especially in taxable accounts. Proper asset location across individual, tax-deferred, and tax-free accounts can help maximize after-tax wealth. The document also cautions that trading costs, which often exceed stated fees, need to be considered.
The Highwater Capital Fund employs a strategy of researching and trading equities, currencies, bonds and other investments to achieve superior risk-adjusted returns. The Fund uses both macroeconomic top-down analysis and bottom-up fundamental analysis of individual investments to identify opportunities. The Fund's manager, Christopher von Dahm, has over 20 years of experience in finance and seeks investments that exhibit characteristics like strong balance sheets, profitability, and management quality. The Fund aims to balance performance with risk management techniques like position limits and diversification. Past performance includes returns of over 140% since inception but past results do not guarantee future performance.
This document provides an introduction to investing and key concepts like risk and return. It explains that balancing risk and return is important for achieving financial goals. While higher risk investments offer potential for greater returns, they also carry more uncertainty. The document advocates diversifying investments across different asset classes like stocks, bonds, property and cash to reduce risk. It provides data showing how various asset classes have performed over time, with higher risk assets generally providing higher average returns but also more variability in returns. The key is choosing an appropriate mix of assets based on an individual's risk tolerance and time horizon.
This document provides information on bond ladders and total return strategies for investors. It summarizes the pros and cons of each approach. A bond ladder can match liabilities but lacks diversification and yield is slow to rise with interest rates. A total return strategy has a greater likelihood of maintaining purchasing power over time but returns will vary each year. The document also discusses when each approach may be suitable based on an investor's objectives, such as liability-driven investing, principal protection, or needing regular income. It concludes that a bond ladder is only appropriate if the investor can dynamically manage risk, implement the strategy in a diversified and liquid manner.
This document provides information on banking basics such as opening and maintaining bank accounts, types of accounts like checking and savings, and additional banking services. It also discusses credit reports, credit scores, responsible credit card use, and the key terms and costs associated with credit cards as outlined in the Schumer Box. The objectives are to explain why and how consumers should open bank accounts, maintain good credit, and use credit cards responsibly.
This document provides an overview of stocks and bonds for beginner investors. It defines what stocks and bonds are, describes different types of each, and highlights key factors to consider like risks, returns, and how to research companies. For stocks, it covers common and preferred shares, dividends, and growth vs. value investing. For bonds, it defines various types and bond yields. It aims to educate readers on the basics of picking stocks and bonds as well as the risks involved.
Smart Directions 12.3.15 Understanding the Stock Marketemmetoneallibrary
This document provides information about investing in stocks, including:
- Stocks represent partial ownership in a company and stock price fluctuates daily.
- Investors can research companies through annual reports, SEC filings, analyst reports, and financial newspapers/websites to evaluate growth opportunities and risks.
- Common mistakes include acting on tips, getting emotional about investments, failing to diversify, and losing patience with stock performance.
This document provides an overview of financial planning and investing. It explains that financial planning can help achieve life goals and outlines the importance of having a plan. It also discusses key investing concepts like risk, return, diversification and different asset classes. The document notes that financial advisers can help create suitable investment portfolios and administer them over the long term. Overall, the summary emphasizes that financial planning and investing are important for working towards financial goals at different life stages.
This document provides an overview of the "Prosperity System" developed by Invesco and Ellen Rogin. It outlines a 5-step process: 1) Create a vision for your life and finances. 2) Understand your current financial situation. 3) Design a customized plan to meet your goals. 4) Take action to implement the plan. 5) Enjoy the journey and find ways to give back. The document notes some tools and factors to consider in each step, such as creating a net worth statement, choosing investments based on risk tolerance, and automating savings. It emphasizes the importance of regular investing, perspective on spending vs saving for the future, and maintaining a sense of gratitude.
The document outlines various types of fixed income investments and their historical risk and return characteristics over time. It provides data on the average annual returns, maximum and minimum 12-month returns, standard deviation of returns, and ending value of a $10,000 investment for different fixed income asset classes including Treasury bills, bonds, notes, agency bonds, TIPS, mortgage-backed securities, asset-backed securities, municipal bonds, investment grade corporate bonds, and high yield corporate bonds. Overall, higher risk fixed income asset classes like high yield corporate bonds provided higher average returns but also greater volatility and downside risks.
The document discusses wealth management processes such as managing investments, selecting investment managers, developing an investment policy, and monitoring performance. It provides examples of dollar cost averaging versus lump sum investing in different market conditions and concludes that while lump sum investing carries higher risk, it also provides higher potential rewards. The document also covers selecting financial advisors and developing an investment policy statement to guide investment decisions.
The Strategic Asset Fund is managed by ELP Capital Advisors and aims to provide consistent long-term returns of 12% annually through short-term, senior real estate loans. ELP evaluates borrowers based on their character, capacity, capability and collateral to ensure they can repay the loan. This focus on qualitative factors differentiates ELP from other hard money lenders. The current economic environment with reduced traditional lending presents opportunities for ELP to finance quality real estate projects and generate high returns for investors with relative safety of principal.
Personal finance and portfolio management strategies Babasab Patil
The document discusses personal finance and portfolio management strategies. It covers budgeting, cash flow management, money management strategies, asset management, and key indicators of good financial management including debt ratios. The document emphasizes using the Interest Equalization Mechanism (IEM) model to make rational investment decisions and predict market movements.
Financing a business involves determining capital needs and suitable sources of financing. The cost of capital depends on risk, with debt usually being cheapest and equity most expensive. The objective is to maximize low-cost debt and structure financing to match business needs. A budget and cash flow forecast are created to determine what debt levels can be supported and establish an optimal capital structure. Retained earnings have a lower cost than other equity sources since management controls the business.
This document discusses various savings and investment options. It defines savings as income kept aside for future use. The main objectives of savings are reducing economic insecurity, helping during emergencies or inability to work, and becoming a source of income. Good saving plans have characteristics like safety, return, convenience, liquidity, and tax benefits. Common savings options discussed include provident funds (PF), voluntary savings through banks and post offices, insurance, bonds, and investments in shares, debentures, jewellery and property. Life insurance provides protection for dependents. General insurance covers risks like motor, fire, and personal accidents. Bonds are issued by governments and corporations to borrow money. Investments allow building assets and securing one
The document discusses various options for building an income-generating portfolio, including the risks and rewards of different asset classes like stocks, bonds, real estate, and international fixed income. It provides examples of how an income portfolio could be constructed using a combination of assets, depending on an investor's goals, risk tolerance, and time horizon. Specific funds are mentioned as examples of strategies that combine different income-producing assets.
An easy to understand guide to investing in securities like stocks, bonds and mutual funds for your financial future. This is material taken from chapter two of my book, "Figuring Out Wall Street".
FS_Advice_-_Leverage-_Where_Advisers_Fear_to_Tread_-_Julie_MckayClaire Starr MBA
This document discusses the challenges financial advisers face when customers have unrealistic expectations but want conservative investment options. It notes that the gap between expectations and reality is widening due to factors like longer lifespans, higher costs of living, and lower expected returns. While saving more is important, the document argues that taking prudent risks, such as borrowing to invest, may be necessary to boost returns enough to meet goals. It acknowledges advisers are cautious about recommending borrowing but suggests rules of thumb could overlook opportunities if risks are properly managed through diversification and portfolio adjustments.
Potential of High Accruals Through Managed CreditsVishal Shah
This document presents an overview of high accrual debt mutual funds and Franklin Templeton's accrual-led debt fund products. It discusses how accrual-led strategies can generate returns through managing credit and interest rate risk while providing lower volatility than capital appreciation strategies. Franklin Templeton's short-term, medium-term and long-term accrual funds are positioned based on their investment horizon and risk-return profile. The funds invest across the yield curve in corporate bonds, PTCs and other fixed income securities to generate income and potential capital appreciation.
CEFA is an SEC registered investment advisory firm specializing in closed-end funds. They manage over $65 million in assets for clients seeking above-average income through tactical investment in closed-end funds. Their investment process focuses on evaluating funds based on discounts, dividends, performance and risk factors to construct diversified portfolios targeting different yield levels for clients with varying needs.
Smart Directions: The Banking System and Federal Reserve 11/5/2015emmetoneallibrary
The first in a new series of Smart Investing programs available at the Emmet O'Neal Library, funded by the American Library Association and the Financial Industry Regulatory Authority.
Saving With Negative Real Interest RatesInvestingTips
As historically low interest rates persist and inflation accelerates, saving with negative real interest rates becomes increasingly futile.
https://youtu.be/d9qhofw8ZVc
A day in the life of a portfolio manager at a Boutique Asset Management FirmYasmine Blosse
Find out how an equities portfolio manager structures his day and conducts everything from research into stocks to making and executing trading decisions.
SBA New Rules on Mentor-Protege Program, Joint Venture & 8(a) BD ProgramMark Amadeo
In this presentation, Mark Amadeo highlights key changes made by the SBA to its regulations that implemented a new mentor-protege program, and changed rules on small business joint ventures and the 8(a) Business Development Program.
This document provides information on bond ladders and total return strategies for investors. It summarizes the pros and cons of each approach. A bond ladder can match liabilities but lacks diversification and yield is slow to rise with interest rates. A total return strategy has a greater likelihood of maintaining purchasing power over time but returns will vary each year. The document also discusses when each approach may be suitable based on an investor's objectives, such as liability-driven investing, principal protection, or needing regular income. It concludes that a bond ladder is only appropriate if the investor can dynamically manage risk, implement the strategy in a diversified and liquid manner.
This document provides information on banking basics such as opening and maintaining bank accounts, types of accounts like checking and savings, and additional banking services. It also discusses credit reports, credit scores, responsible credit card use, and the key terms and costs associated with credit cards as outlined in the Schumer Box. The objectives are to explain why and how consumers should open bank accounts, maintain good credit, and use credit cards responsibly.
This document provides an overview of stocks and bonds for beginner investors. It defines what stocks and bonds are, describes different types of each, and highlights key factors to consider like risks, returns, and how to research companies. For stocks, it covers common and preferred shares, dividends, and growth vs. value investing. For bonds, it defines various types and bond yields. It aims to educate readers on the basics of picking stocks and bonds as well as the risks involved.
Smart Directions 12.3.15 Understanding the Stock Marketemmetoneallibrary
This document provides information about investing in stocks, including:
- Stocks represent partial ownership in a company and stock price fluctuates daily.
- Investors can research companies through annual reports, SEC filings, analyst reports, and financial newspapers/websites to evaluate growth opportunities and risks.
- Common mistakes include acting on tips, getting emotional about investments, failing to diversify, and losing patience with stock performance.
This document provides an overview of financial planning and investing. It explains that financial planning can help achieve life goals and outlines the importance of having a plan. It also discusses key investing concepts like risk, return, diversification and different asset classes. The document notes that financial advisers can help create suitable investment portfolios and administer them over the long term. Overall, the summary emphasizes that financial planning and investing are important for working towards financial goals at different life stages.
This document provides an overview of the "Prosperity System" developed by Invesco and Ellen Rogin. It outlines a 5-step process: 1) Create a vision for your life and finances. 2) Understand your current financial situation. 3) Design a customized plan to meet your goals. 4) Take action to implement the plan. 5) Enjoy the journey and find ways to give back. The document notes some tools and factors to consider in each step, such as creating a net worth statement, choosing investments based on risk tolerance, and automating savings. It emphasizes the importance of regular investing, perspective on spending vs saving for the future, and maintaining a sense of gratitude.
The document outlines various types of fixed income investments and their historical risk and return characteristics over time. It provides data on the average annual returns, maximum and minimum 12-month returns, standard deviation of returns, and ending value of a $10,000 investment for different fixed income asset classes including Treasury bills, bonds, notes, agency bonds, TIPS, mortgage-backed securities, asset-backed securities, municipal bonds, investment grade corporate bonds, and high yield corporate bonds. Overall, higher risk fixed income asset classes like high yield corporate bonds provided higher average returns but also greater volatility and downside risks.
The document discusses wealth management processes such as managing investments, selecting investment managers, developing an investment policy, and monitoring performance. It provides examples of dollar cost averaging versus lump sum investing in different market conditions and concludes that while lump sum investing carries higher risk, it also provides higher potential rewards. The document also covers selecting financial advisors and developing an investment policy statement to guide investment decisions.
The Strategic Asset Fund is managed by ELP Capital Advisors and aims to provide consistent long-term returns of 12% annually through short-term, senior real estate loans. ELP evaluates borrowers based on their character, capacity, capability and collateral to ensure they can repay the loan. This focus on qualitative factors differentiates ELP from other hard money lenders. The current economic environment with reduced traditional lending presents opportunities for ELP to finance quality real estate projects and generate high returns for investors with relative safety of principal.
Personal finance and portfolio management strategies Babasab Patil
The document discusses personal finance and portfolio management strategies. It covers budgeting, cash flow management, money management strategies, asset management, and key indicators of good financial management including debt ratios. The document emphasizes using the Interest Equalization Mechanism (IEM) model to make rational investment decisions and predict market movements.
Financing a business involves determining capital needs and suitable sources of financing. The cost of capital depends on risk, with debt usually being cheapest and equity most expensive. The objective is to maximize low-cost debt and structure financing to match business needs. A budget and cash flow forecast are created to determine what debt levels can be supported and establish an optimal capital structure. Retained earnings have a lower cost than other equity sources since management controls the business.
This document discusses various savings and investment options. It defines savings as income kept aside for future use. The main objectives of savings are reducing economic insecurity, helping during emergencies or inability to work, and becoming a source of income. Good saving plans have characteristics like safety, return, convenience, liquidity, and tax benefits. Common savings options discussed include provident funds (PF), voluntary savings through banks and post offices, insurance, bonds, and investments in shares, debentures, jewellery and property. Life insurance provides protection for dependents. General insurance covers risks like motor, fire, and personal accidents. Bonds are issued by governments and corporations to borrow money. Investments allow building assets and securing one
The document discusses various options for building an income-generating portfolio, including the risks and rewards of different asset classes like stocks, bonds, real estate, and international fixed income. It provides examples of how an income portfolio could be constructed using a combination of assets, depending on an investor's goals, risk tolerance, and time horizon. Specific funds are mentioned as examples of strategies that combine different income-producing assets.
An easy to understand guide to investing in securities like stocks, bonds and mutual funds for your financial future. This is material taken from chapter two of my book, "Figuring Out Wall Street".
FS_Advice_-_Leverage-_Where_Advisers_Fear_to_Tread_-_Julie_MckayClaire Starr MBA
This document discusses the challenges financial advisers face when customers have unrealistic expectations but want conservative investment options. It notes that the gap between expectations and reality is widening due to factors like longer lifespans, higher costs of living, and lower expected returns. While saving more is important, the document argues that taking prudent risks, such as borrowing to invest, may be necessary to boost returns enough to meet goals. It acknowledges advisers are cautious about recommending borrowing but suggests rules of thumb could overlook opportunities if risks are properly managed through diversification and portfolio adjustments.
Potential of High Accruals Through Managed CreditsVishal Shah
This document presents an overview of high accrual debt mutual funds and Franklin Templeton's accrual-led debt fund products. It discusses how accrual-led strategies can generate returns through managing credit and interest rate risk while providing lower volatility than capital appreciation strategies. Franklin Templeton's short-term, medium-term and long-term accrual funds are positioned based on their investment horizon and risk-return profile. The funds invest across the yield curve in corporate bonds, PTCs and other fixed income securities to generate income and potential capital appreciation.
CEFA is an SEC registered investment advisory firm specializing in closed-end funds. They manage over $65 million in assets for clients seeking above-average income through tactical investment in closed-end funds. Their investment process focuses on evaluating funds based on discounts, dividends, performance and risk factors to construct diversified portfolios targeting different yield levels for clients with varying needs.
Smart Directions: The Banking System and Federal Reserve 11/5/2015emmetoneallibrary
The first in a new series of Smart Investing programs available at the Emmet O'Neal Library, funded by the American Library Association and the Financial Industry Regulatory Authority.
Saving With Negative Real Interest RatesInvestingTips
As historically low interest rates persist and inflation accelerates, saving with negative real interest rates becomes increasingly futile.
https://youtu.be/d9qhofw8ZVc
A day in the life of a portfolio manager at a Boutique Asset Management FirmYasmine Blosse
Find out how an equities portfolio manager structures his day and conducts everything from research into stocks to making and executing trading decisions.
SBA New Rules on Mentor-Protege Program, Joint Venture & 8(a) BD ProgramMark Amadeo
In this presentation, Mark Amadeo highlights key changes made by the SBA to its regulations that implemented a new mentor-protege program, and changed rules on small business joint ventures and the 8(a) Business Development Program.
The article discusses an alternative approach to experiencing the costs of index reconstitution, called “Asset Classes,” which allow the fund manager broader leeway as to when to buy or sell, along with a broader range of holdings. This discussion begins in the section called “Decision Two: Indexing or Asset Class Investing?”
The Asset Class approach, also referred to by others as "Factor Investing," is based on what has become to be called “Evidence Based Investing” due to roots discussed in the linked "Factor Investing" article, that come from academic (peer reviewed and repeatable results) foundation that continues to this day.
My blog post discussing this article is scheduled to post 8 Feb 2017 http://wp.me/p2Oizj-Hh
This document discusses the fundamentals of investment, including definitions, principles, asset types, and considerations. It defines investment as a monetary asset purchased to generate future income or appreciation. The 5 basic principles are to diversify investments, start early to benefit from compound interest, understand that higher risk means higher potential returns, maintain investments during market slumps, and buy low and sell high. Main asset types include fixed income securities, shares, unit investment trusts, mutual funds, and property. Key considerations for investment include objectives, life stage, funds availability, risk tolerance, investment horizon, taxes, performance, and diversification. It also introduces variable universal life insurance as a new alternative investment option.
Understanding of Investment and Investment decision process
The document defines key investment terms like investment, financial assets, marketable securities, and speculation. It outlines the differences between investment and speculation. The investment decision process involves security analysis, including fundamental and technical analysis, as well as portfolio management approaches. Common errors in investment decision making include inadequate understanding of risk and return, lack of a clear investment policy, relying too much on past performance, irrational trading behaviors, ignoring costs, improper diversification, and wrong attitudes towards profits and losses.
The document provides an overview of the investment process. It discusses what investment is, why one should invest, when to start investing, what care to take while investing, various types of investments, the investment cycle, client profiling, objective and risk analysis, economic and market analysis, and asset allocation and investment selection and implementation. The key steps in the investment process include understanding investment and risk tolerance, setting goals, diversifying assets, regularly monitoring performance, and rebalancing as needed.
The document discusses the relationship between risk and return when investing. It states that there is a trade-off between expected risk and expected return, with higher risk investments typically offering higher returns to compensate investors for taking on more risk. It also discusses how diversification across multiple assets can reduce the non-systematic/diversifiable risk in a portfolio, but not the systematic/market risk that is related to movements in the overall market. The document defines beta as a measure of a stock's systematic risk relative to the market.
This document provides an overview of key concepts related to investment including what investment is, the needs it fulfills, inflation and how it impacts returns, different asset classes and their typical returns, golden rules of investing, steps to take when investing, interest rates and factors that influence them, short-term and long-term financial investment options like savings accounts, fixed deposits, mutual funds, shares, bonds, derivatives and more. The document aims to educate readers on fundamental investment principles.
Investment involves committing funds with the aim of achieving additional income or growth in value over time. It is characterized by risk, return, safety, liquidity, and tax benefits. The key aspects are committing funds for a future reward, an expectation of returns higher than realized returns due to uncertainty, and balancing risk and return based on one's objectives and capacity. Investment aims to maximize returns while minimizing risk through prudent analysis, whereas speculation takes greater risks seeking short-term capital gains.
This document discusses building financial security through wealth accumulation, preservation, distribution, and risk management. It emphasizes starting to save early through strategies like dollar cost averaging and paying yourself first. Delaying saving can be expensive as you will need to save much more later to achieve the same goals like having $1 million saved by retirement. Taking action now to systematically save a portion of income can help achieve long term financial security.
This document provides an overview of HawsGoodwin Investment Management's wealth management process and philosophy. It discusses the benefits of a disciplined, globally diversified approach that incorporates asset allocation, rebalancing, tax management strategies, and minimizing behavioral biases. The goal is to help clients preserve their lifestyle in changing markets by avoiding unnecessary risks and losses through an ongoing process of wealth planning, estate planning, investment planning, and portfolio monitoring.
This document summarizes the key points from a presentation on creating a do-it-yourself investment strategy using low-cost index funds rather than paying high fees to investment advisors. It outlines setting realistic return targets based on an investor's goals and risk tolerance. It then discusses how to construct portfolios using broad asset classes like stocks, bonds, and real estate to achieve the targeted risk-return profile. Benchmarks are used to evaluate performance rather than relying on advisors who are unable to outperform the market on average. The presentation argues this approach allows investors to take ownership of their financial future rather than leaving it to salespeople.
Introduction to investing power point presentation 1.12.1.g1nadinesullivan
The document provides an introduction to investing, including key concepts like rates of return, risk, inflation, common investment tools (stocks, bonds, mutual funds, etc.), and tax-sheltered investments. It explains that the Rule of 72 allows investors to calculate how long it takes an investment to double based on its interest rate. It also emphasizes that higher potential returns generally come with higher risks and discusses strategies like diversification to reduce risk.
This document discusses low-cost investing using exchange traded funds (ETFs) for retirement. It argues that mutual funds are a flawed model for most investors due to their high fees which eat into returns over time. ETFs provide a better, cheaper alternative for gaining exposure to stock and bond markets while minimizing taxes and costs. The document presents strategies using low-cost ETFs from Vanguard, iShares and other providers to build globally diversified portfolios and outlines the services provided by Confluence Investment Advisors to manage ETF portfolios.
The document provides an overview of investing basics for Canadians. It explains that investing is necessary for retirement planning as fewer workers have pensions. It defines savings as money not spent, while investments are a way to use money to make more through returns and gains. Investing involves risk but can achieve different goals like home purchases, education savings, or retirement income. The document outlines common investment types and stresses diversifying and only investing in understood products to reduce risk. It advises seeking guidance from financial advisors if needed.
The document provides an overview of factors to consider when selecting investments for a 401(k) retirement plan. It discusses the primary asset classes of cash and cash equivalents, fixed income securities, and equities. It also describes mutual funds and the various types, including money market funds, bond funds, and equity funds. When selecting investments, the document advises considering one's risk tolerance, investment objectives, time horizon, and asset allocation. Overall asset allocation and diversification across asset classes are emphasized as important strategies for balancing risk and return.
This document discusses financial planning strategies for women. It begins by introducing the financial advisor and her company. It then discusses the importance of introspection and having the right mindset for investing. It introduces the concept of creating a "PACT" (Prepare, Accumulate, Consume, Transfer) to help organize financial goals. It discusses different investing approaches at various life stages and the benefits of diversification and dollar cost averaging. It provides examples showing the power of compound returns over time and benefits of maintaining a long-term perspective during market fluctuations.
The document discusses financial planning strategies for women. It introduces the "three i's of investing": introspection, investigation, and invitation. Introspection involves examining myths and mindsets around investing. Investigation means creating a financial plan using a "PACT" framework of preparing, accumulating, consuming, and transferring assets. Invitation is taking action by finding a financial advisor and getting advice. The document provides hypothetical scenarios to illustrate asset allocation, diversification, and planning for different life stages from young to retired. It emphasizes the benefits of financial advice for better habits, confidence, and planning.
This document discusses financial planning strategies for women. It begins by introducing the financial advisor and her company. It then discusses the importance of introspection, investigation, and invitation when it comes to investing. It provides tips for setting financial goals and creating a plan to prepare, accumulate, consume, and transfer assets. It also discusses the benefits of diversification and dollar cost averaging. Overall, the document provides guidance to women on developing strong financial strategies.
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Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
The document provides an overview of the current economic and market environment, common investor challenges, and strategies for meeting retirement needs. It discusses a mix of positive and negative factors for the economy and markets in 2011. It also presents a case study of a couple retiring in 5 years and analyzes their income needs and assets to determine how to address any shortfalls. The document recommends following a comprehensive consulting process and using a variety of asset classes and strategies to pursue goals.
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
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The document discusses market volatility and strategies for dealing with it. It defines volatility, looks at historical volatility levels, and discusses how volatility affects investors. It then outlines the wealth management group's strategies, which include repositioning portfolios to focus on quality income assets, employing strategies to dampen volatility, and ensuring portfolios align with clients' goals and risk tolerance.
The document outlines three steps to financial success: save, invest, and protect. It discusses setting goals and the fundamentals of financial planning. It defines wealth as the ability to sustain one's lifestyle without working. Small regular investments can grow significantly over time through compounding. Diversification reduces risk by spreading investments across different asset classes with low correlations. Common sense investing principles include understanding investments, reading prospectuses, balancing emotion with caution, and learning from mistakes.
Investment strategy role of professionalsCA K Raghu
The document discusses investment planning and strategies for professionals in India. It notes that India has a growing middle class, large English-speaking population, and is the largest democracy and fastest growing major economy. It recommends that professionals provide value-added investment planning and strategy services to clients. It outlines various investment options and their features, risks, and benefits. It proposes a 5-point investment strategy including investing in tax-saving funds, large cap funds, restructuring portfolios, curbing enthusiasm, and getting sound advice.
The document provides information about Ameriprise Financial and its services. It discusses Ameriprise Financial's history of helping clients through challenging economic times with a focus on goals and dreams. It also outlines four cornerstones of financial planning: liquidity, investment, protection, and tax planning.
This document discusses dollar-cost averaging as an investment strategy for long-term goals. It explains that dollar-cost averaging involves investing a fixed amount regularly, which allows an investor to purchase more shares when prices are low and fewer shares when prices are high. This helps lower the average cost per share over time. The document provides examples showing that an investor who used dollar-cost averaging over a fluctuating market period ended up with more shares at a lower average price than an investor who invested the same amount during a rising market.
The document provides guidance on personal finance and investing principles. It discusses ten principles of successful investing including knowing your goals and risk tolerance, diversifying your portfolio, investing for the long-term in a tax-efficient manner, and developing and following an investment plan. It also reviews the major asset classes and their historical risk and return profiles to help investors understand appropriate investments for different risk tolerances and time horizons.
The document discusses various types of banking and financial services institutions and products. It describes commercial banks, savings and loans associations, credit unions, and other non-deposit institutions. It also explains different financial services offered, the history and structure of the Federal Reserve system, and its roles in monetary policy and bank supervision. Various savings alternatives like savings accounts, certificates of deposit, money market accounts, and US savings bonds are also outlined and compared in terms of risk, return, liquidity, and suitability for different savings goals.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
4. Investment Fundamentals
What Is Investing?
Speculating?
Investing--A carefully planned and
prepared approach to managing and
accumulating money.
Saving?
6. Investment Fundamentals--
The Effect of Compounding
Growth of Annual $5,000 Investments • $5,000 invested
annually at the end
of each year
• 6% annual growth
rate
• All earnings
reinvested
This is a hypothetical example
and is not intended to reflect
the actual performance of any
specific investment.
Investment fees and
expenses, and taxes are not
reflected. If they were, the
results would have been
lower.
$395,291
7. Investment Fundamentals--
Sooner Is Better
Don’t put off investing
The sooner you start, the longer your investments have to grow
Playing “catch-up” later can be difficult and expensive
$3,000 annual
investment at 6%
annual growth,
assuming
reinvestment of all
earnings and no tax
$679,500
This is a hypothetical example and is not intended to reflect the actual performance of any investment. Investment
fees and expenses, and taxes are not reflected. If they were, the results would have been lower.
$254,400
$120,000
8. Investment Fundamentals--
Identifying Goals and Time Horizons
Type of goals:
Retirement
Education
Special purchase
Financial security
Philanthropy
Legacy
Short-term goals vs. long-term
goals affect your liquidity needs
14. Investment Options--Bonds
Advantages
Steady and predictable
stream of income
Income typically higher
than cash alternatives
Relatively lower-risk
(compared to options
such as stock)
Low correlation to stock
market
Disadvantages
Risk of default
Value of bond will
fluctuate with interest
rates
Lower risk means
lower potential returns
(than stock, for
example)
16. Investment Options--Stocks
Advantages
Historically, have
provided highest long-
term total returns
Ownership rights
Can provide income
through dividends as
well as capital
appreciation
Easy to buy and sell
Disadvantages
Poor company
performance affects
dividends / value of
shares
Subject to market
volatility
Greater risk to principal
May not be appropriate
for short term
17. Investment Options--Mutual Funds
Your money is pooled
with that of other
investors
Fund invests dollars
according to stated
investment strategy
You own a portion of the
securities held by the
fund (instant
diversification)
18. Investment Options - Mutual Funds
Bond funds
PotentialReturn
Money market funds
Risk
Stock funds
Balanced
funds
International funds
19. Investment Options—Mutual Funds
Advantages
Diversification
Professional
management
Small investment
amounts
Liquidity
Disadvantages
Value of shares can
fluctuate daily
Portion of fund dollars
may be tied up in cash
for liquidity needs
Potential tax inefficiency
Mutual fund fees and
expenses
20. Investment Options --
Exchange-Traded Funds (ETFs)
Most ETFs are based
on an index
Passive management
may lower fund costs
Can be traded
throughout the day,
bought on margin, and
shorted, like stocks
May provide tax
efficiencies
22. Investment Methods--Dollar Cost Averaging
Invest same dollar amount at
regular intervals over time
You buy more shares when
price is low, fewer shares
when price is high
Average cost of shares will
be lower than average
market price per share
during your investment time
period
This is a hypothetical example and does not reflect the performance of any specific investment.
Dollar cost averaging can’t guarantee you a profit or protect you against a loss if the market is declining.
Jan Feb Mar Apr May
$0
$10
$5
$20
$25
$35
$15
$30
10 shares
30 shares
15 shares
20 shares
12 shares
Five Hypothetical Investments
Average market price per share
($30 + $10 + $20 + $15 + $25) ÷ 5 = $20
Investor’s average cost per share
$1,500 invested ÷ 87 shares bought =
$17.24
24. Asset Allocation --
Sample Allocation Model
These asset allocation suggestions should be used as a guide only and are not intended as financial advice. They should not be
relied upon. Past performance is not a guarantee of future results.
A conservative asset
allocation model will
tend to focus on
preserving principal
Stocks
25%
Bonds
50%
Cash
Alternatives
25%
Conservative
25. Asset Allocation --
Sample Allocation Model
These asset allocation suggestions should be used as a guide only and are not intended as financial advice. They should not be
relied upon. Past performance is not a guarantee of future results.
A moderate asset
allocation model will
tend to balance
predictable income
with potential
growthStocks
50%
Bonds
40%
Cash
Alternatives
10%
Moderate
26. Asset Allocation --
Sample Allocation Model
These asset allocation suggestions should be used as a guide only and are not intended as financial advice. They should not be
relied upon. Past performance is not a guarantee of future results.
An aggressive asset
allocation model will
tend to focus
primarily on
potential growth
Stocks
75%
Bonds
15%
Cash
Alternatives
10%
Aggressive
27. Questions to ask a Financial Professional
Are you a fiduciary?
How are you compensated?
What credentials/licenses do you have?
How much experience does your firm have?
How frequently will we communicate?
How many new clients do you take on each year?
28. Role of a Financial Professional
Determine your investment goals, timelines,
and risk tolerance
Evaluate markets and investments
Create an asset allocation model
Select specific investments
Manage, monitor, and modify your portfolio
29. Conclusion
I would welcome the opportunity to meet individually with each of
you to address any specific concerns or questions that you may
have.
Zoe Sexton
Putney Financial Group
1099 E Street
San Rafael, CA 94901
415-460-1990 Ext 210
zoe@putneyfinancial.com
30. Disclaimer
IMPORTANT DISCLOSURES The information presented here is not specific to any
individual's personal circumstances. It has been designed for informational purposes
only and does not constitute an offer to sell or a solicitation of an offer to buy any
security that may be referenced. We cannot assure the accuracy or completeness of
these materials. The information in these materials may change at any time and
without notice.