This document discusses stock market indexes and how grandparents and grandchildren can learn about finances together. It provides an overview of what stock market indexes are and how they differ based on factors like whether they are price-weighted or market capitalization-weighted. It then outlines four lessons grandparents and grandchildren can learn together related to saving goals, weathering market fluctuations, using technology wisely, and giving back to their community.
The document provides disclosures and sources for several exhibits. Exhibit 1 discloses trading data sources for world equity trading volumes. Exhibit 2 describes the mutual fund sample and methodology used to determine "winner" funds that outperformed benchmarks. Exhibit 3 explains how the analysis was conducted to determine the percentage of top-ranked funds that maintained their ranking in subsequent years. The source for Exhibits 2 and 3 is also provided.
Pursuing a Better Investment Experience with Capital AssociatesRobUgiansky
This document outlines 10 key principles for improving the odds of investment success:
1) Embrace market pricing and the information incorporated into prices.
2) Don't try to outguess the market through stock picking or market timing as most funds do not outperform their benchmarks.
3) Resist chasing past performance as it does not predict future returns.
4) Let markets work for you through long-term investing as this has rewarded investors over time.
The document provides a long list of action steps for women to take to improve their financial situation and security. It recommends completing worksheets to identify values and set goals, tracking spending, creating a budget, reviewing insurance policies and coverage, learning about investing, planning for retirement, and putting estate plans in place. Readers are advised not to feel overwhelmed by the extensive list, but to focus on the most relevant steps at their own pace. The list is intended to help readers take incremental actions to better their financial future.
This document discusses pursuing a better investment experience by embracing principles such as embracing market pricing, not trying to outguess the market, resisting chasing past performance, letting markets work for investors, considering drivers of returns, practicing smart diversification, avoiding market timing, managing emotions, not confusing entertainment with advice, and focusing on what can be controlled. The key ideas are that following basic principles of prudent investing over long periods can help investors achieve better results than trying to beat the market through tactics like stock picking, market timing, or chasing past performance.
1. The document discusses key principles for improving the odds of investment success, including embracing market pricing, not trying to outguess the market through timing, and resisting chasing past performance.
2. It notes that most mutual funds do not maintain top performance over time and that past returns are not predictive of future returns. Investors are advised to consider the drivers of returns like market risk premia.
3. The principles also emphasize smart diversification across market segments, avoiding reactive investing to headlines, and focusing on controlling what you can, like expenses and discipline, rather than market movements.
This document provides an overview of Session III of the book "Money Talk: A Financial Guide for Women". It covers the following key points:
1. Setting financial goals is important for measuring investment success. Goals should be specific, measurable, attainable, realistic and have a time period.
2. All investments involve some risk. The major risks include market risk, business risk, interest rate risk, inflation risk and reinvestment risk. More stock exposure means higher long-term returns on average but also higher short-term risk.
3. When investing, one can either loan money through debt investments like bonds or own investments through equity like stocks. Equity investments fluctuate more but can provide higher
Pursuing a better investment experience.Gregg Hancock
This document discusses key principles for improving your odds of investment success. It begins by showing how the average equity investor has underperformed market indexes like the S&P 500 over the long term. It then explains that humans are not wired for disciplined investing and tend to make poor decisions by acting on impulse, being swayed by the media, and trying to predict the future. The document outlines 10 principles for better investing, including embracing market pricing, not trying to outguess the market, resisting chasing past performance, letting markets work for investors over the long run, considering dimensions of expected returns, and practicing smart diversification.
The document provides disclosures and sources for several exhibits. Exhibit 1 discloses trading data sources for world equity trading volumes. Exhibit 2 describes the mutual fund sample and methodology used to determine "winner" funds that outperformed benchmarks. Exhibit 3 explains how the analysis was conducted to determine the percentage of top-ranked funds that maintained their ranking in subsequent years. The source for Exhibits 2 and 3 is also provided.
Pursuing a Better Investment Experience with Capital AssociatesRobUgiansky
This document outlines 10 key principles for improving the odds of investment success:
1) Embrace market pricing and the information incorporated into prices.
2) Don't try to outguess the market through stock picking or market timing as most funds do not outperform their benchmarks.
3) Resist chasing past performance as it does not predict future returns.
4) Let markets work for you through long-term investing as this has rewarded investors over time.
The document provides a long list of action steps for women to take to improve their financial situation and security. It recommends completing worksheets to identify values and set goals, tracking spending, creating a budget, reviewing insurance policies and coverage, learning about investing, planning for retirement, and putting estate plans in place. Readers are advised not to feel overwhelmed by the extensive list, but to focus on the most relevant steps at their own pace. The list is intended to help readers take incremental actions to better their financial future.
This document discusses pursuing a better investment experience by embracing principles such as embracing market pricing, not trying to outguess the market, resisting chasing past performance, letting markets work for investors, considering drivers of returns, practicing smart diversification, avoiding market timing, managing emotions, not confusing entertainment with advice, and focusing on what can be controlled. The key ideas are that following basic principles of prudent investing over long periods can help investors achieve better results than trying to beat the market through tactics like stock picking, market timing, or chasing past performance.
1. The document discusses key principles for improving the odds of investment success, including embracing market pricing, not trying to outguess the market through timing, and resisting chasing past performance.
2. It notes that most mutual funds do not maintain top performance over time and that past returns are not predictive of future returns. Investors are advised to consider the drivers of returns like market risk premia.
3. The principles also emphasize smart diversification across market segments, avoiding reactive investing to headlines, and focusing on controlling what you can, like expenses and discipline, rather than market movements.
This document provides an overview of Session III of the book "Money Talk: A Financial Guide for Women". It covers the following key points:
1. Setting financial goals is important for measuring investment success. Goals should be specific, measurable, attainable, realistic and have a time period.
2. All investments involve some risk. The major risks include market risk, business risk, interest rate risk, inflation risk and reinvestment risk. More stock exposure means higher long-term returns on average but also higher short-term risk.
3. When investing, one can either loan money through debt investments like bonds or own investments through equity like stocks. Equity investments fluctuate more but can provide higher
Pursuing a better investment experience.Gregg Hancock
This document discusses key principles for improving your odds of investment success. It begins by showing how the average equity investor has underperformed market indexes like the S&P 500 over the long term. It then explains that humans are not wired for disciplined investing and tend to make poor decisions by acting on impulse, being swayed by the media, and trying to predict the future. The document outlines 10 principles for better investing, including embracing market pricing, not trying to outguess the market, resisting chasing past performance, letting markets work for investors over the long run, considering dimensions of expected returns, and practicing smart diversification.
The document summarizes the strong performance of stock markets in Q1 2013, with the S&P 500 returning 10.61% and Nasdaq returning 8.52%. It notes that while client portfolios are not 100% in stocks, the stock holdings have contributed significantly to returns. It asks whether the positive momentum can continue and directs the reader to page 2 for more details on the statistics.
The document provides information about pursuing a better investment experience by discussing various fees associated with mutual fund investments and noting that mutual funds are not guaranteed and past performance is not indicative of future returns. It emphasizes embracing market pricing, avoiding attempts to outguess the market through stock picking or market timing, and resisting chasing past performance. The document advocates letting markets work for the investor through long-term, globally diversified investments.
This document provides guidance on pursuing a better investment experience. It recommends embracing market pricing, not trying to outguess the market, resisting chasing past performance, letting markets work for you long-term, considering drivers of returns like company size and profitability, practicing smart diversification globally, avoiding market timing, managing emotions, focusing on long-term advice over entertainment, and controlling what you can like having a tailored plan.
This document provides an overview of Session I from the book "Money Talk: A Financial Guide for Women". Session I covers financial basics including understanding one's relationship with money, setting money values and goals, and tips for financial planning. It discusses how emotions and past experiences influence financial behaviors. The reader is guided through exercises to evaluate their money personality, values, goals, and relationship with spending. Effective financial planning requires understanding these personal factors and setting specific, measurable goals.
- Having too much cash can impede one's ability to meet long-term financial goals as interest rates are low and cash may not keep pace with inflation or accumulate enough for goals. The appropriate amount of cash depends on individual time horizons and goals.
- Diversifying investments across different market sectors and industries and using regular investing strategies like PACs can help mitigate risks from volatility in the stock market and make downturns work in one's favor.
- The document encourages reaching out for advice on reviewing one's cash position and growth opportunities.
The document discusses the four main challenges of wealth management: growing money over the long term, preserving wealth for retirement and heirs, living off savings during retirement, and leaving a legacy through estate planning. It outlines strategies for meeting retirement income needs, evaluating how much life insurance and long term care coverage is needed, and developing a comprehensive estate plan. The goal is helping people address these challenges and make the most of their financial resources over a lifetime.
This document outlines an investment strategy that involves investing in 11 options: the S&P 500 index, 9 sector ETFs that track the different sectors of the S&P 500, and cash. The strategy aims to beat the returns of the S&P 500 index and top performing mutual funds by overallocating to sectors that outperform the overall index and avoiding underperforming sectors. The strategy is presented as simple to implement and backtested data is provided showing it achieved significantly higher returns than the S&P 500 and top mutual funds from 2006-2018.
THE WARREN BUFFET WAY- Investment Strategies of the World’s Greatest InvestorRoziana Mohammad
Warren Buffett is an 86-year-old American business magnate, investor, and philanthropist, known as a long-term value investor and the most successful investor of the 20th century. He is the CEO of Berkshire Hathaway and has a net worth of over $60 billion as of 2014. Buffett follows the value investing principles of his mentor Benjamin Graham, focusing on buying shares of high-quality companies trading at a discount to their intrinsic value. Some of Buffett's key investment strategies include maintaining a margin of safety when valuing companies, viewing the stock market as Mr. Market who occasionally offers irrational prices, and taking a long-term buy-and-hold approach to allow companies' intrinsic
- After interviewing their investment manager partners, the consensus is one of cautious optimism about further stock market gains, but managers note the path remains precarious.
- Managers favor value stocks over growth and are underexposed to emerging markets and commodities despite recent strength in those areas.
- Within fixed income, emerging market bonds are becoming more attractive due to US dollar weakness.
- Government bonds are viewed more as portfolio insurance than a source of return given their low yields.
I'm looking for 2 people that want to change their current situation.
See how $18, one time, can change your situation in one year. There is strength in numbers. Teamwork makes the dream work. Take a look here >>> http://tinyurl.com/kb7luuf
http://Kaea80.4c4all.com
http://flow77.4c4all.com
http://unitedlove1.4c4all.com
Benjamin Graham was an influential American economist and investor who is considered the father of value investing. He wrote two influential books, Security Analysis and The Intelligent Investor. The Intelligent Investor teaches the distinction between investing and speculation, with investing focused on analyzing companies and protecting against losses, while speculation aims for extraordinary gains. It also covers topics like how to select stocks, dealing with market fluctuations, and the importance of a margin of safety. The book has been hugely influential on investors like Warren Buffett and remains one of the foundational texts on value investing.
This document provides a summary of market conditions and investment opportunities in May 2016. It notes that investor sentiment has been unusually neutral for an extended period. Real estate markets in Vancouver and Toronto have seen large price increases, which some see as a distortion caused by low interest rates. Earnings are expected to decline in the first quarter of 2016 but resume growth in the second half of the year. Three sectors - healthcare, telecommunications, and consumer discretionary - are expected to see earnings growth. Within consumer discretionary, strong double-digit earnings growth is forecast for retailing, consumer services, and other sub-sectors.
This document introduces the concept of theme-based investing and provides an example theme of growing prosperity in emerging markets. It explains how certain themes like increasing consumer demand can drive investment opportunities across many industries from basic materials to healthcare. The document also discusses how East End Wealth Management approaches theme-based investing by focusing on macro trends rather than individual companies and maintaining a globally diverse portfolio. It provides examples of other themes the firm may consider and how contradictory themes require careful analysis of their interacting effects.
Investing in philippine stock market for beginners - a quick start for Filip...Omeng Tawid
Investing in philippine stock market for beginners - a quick start for Filipino (Pinoy) investors:
Excerpt:
Stocks are simply shares of ownership in a
corporation. Thus anyone owning stocks or shares of
a company is called the company’s shareholder or
stockholder. Being a part-owner, you partake in the
performance, growth, earnings and profits, as well as
losses, of these companies.
The stock market is the place where people
converge to buy and sell shares or stocks through an
authorized stockbroker. That means once you have
your broker and enough money to buy stocks, you
can readily start investing in the stock market and
brand yourself as a noble shareholder of giant
fantastic companies.
In the Philippines, the Philippine stock market is the
place where you can invest in Philippine Stock
Exchange (PSE) - listed companies. And only those
people or firms accredited by PSE as authorized
brokers can participate directly in trading and putting
buy or sell orders.
Why Invest? To make your hard-earned money
work even harder for you
Investing enables one’s savings to grow or
appreciate to achieve various
long term financial goals. It is
said to be the most effective
way of building personal
wealth and attaining future
financial
security
for
oneself. It also safeguards
one’s capital against
inflation which erodes
the purchasing power
of your money if it’s not
invested.
Why stock market?
Because history says
so!
The fact is that stock
market is not the only
type of investment present
in the capital market. But history has proven that
nvesting in the stock market over the long-term has
outperformed all fixed-income instruments, plus it
offers good protection against inflation. The market
undeniably continuously experiences highs and lows,
dumps and trumps, and blows and dips, but these
short-term pictures are just tiny pixels compared to
the general uptrend portrait recognized in the long
run.
Who can invest? Everyone can!
Anyone can invest in the stock market. It is a readily
available choice of financial vehicle for those who
want to make their hard-earned money work even
harder for them. Millionaires or not, everyone can
earn in the same battle field.
Everyone motivated can do it.
When should you invest? When you’re ready!
That’s when you have money you won’t need for
your basic expenses, which you would otherwise put
in a bank. It’s better if it’s made available in a longer
time as it allows the investment to ride through the
The document provides an overview and analysis of markets in early 2017. It notes that markets rallied on hopes for fiscal stimulus under Trump after the end of quantitative easing. While markets performed well in 2016, questions remain about whether Trump will deliver on promises and upcoming political events. The analysis correctly predicted declines in overvalued companies like GoPro and Fitbit. It recommends staying long overall but using selective shorts and waiting for a market correction to buy more. Specific short ideas mentioned are Nvidia and AMD based on their large recent gains.
The document provides information on designing an effective investment portfolio. It discusses challenges like market volatility and the influence of financial media. The key is focusing on an investor's financial and life goals in order to build a prudent portfolio. Academics research suggests including both stocks and short-term bonds for diversification and considering small and value stocks for higher expected returns. Rebalancing is important to manage risk and avoid portfolio drift. The summary emphasizes maintaining a long-term perspective despite short-term market fluctuations in order to achieve investment goals.
Mr. Ramanathan Venkat is a 41-year-old financial analyst and active investor living in Mumbai with 14 years of investing experience. He invests in stocks, mutual funds, public deposits, insurance, real estate, and gold. Some of the individual stocks he invests in include Aurobindo Pharma, Axis Bank, and Infosys. He also invests in HDFC and Kotak mutual funds. For public deposits, he chooses tax-free options like PPF and NSC. He emphasizes doing research, diversifying, and having a long-term perspective to be a successful investor.
This document provides an overview of different types of stocks and strategies for investing in stocks. It discusses:
- Different categories of stocks including growth stocks, blue-chip stocks, income stocks, cyclical stocks, defensive stocks, value stocks, and speculative stocks.
- Key factors to evaluate when choosing stocks including earnings per share, price-earnings ratio, dividend yield, and book value per share. The document recommends focusing on stocks that meet most of these value criteria.
- Long-term investment strategies like dollar-cost averaging, reinvesting dividends, and avoiding common investor mistakes.
So in summary, the document outlines different stock types, key metrics to evaluate stocks, and long-term
Women can't afford to avoid investing, but they don't have to do it alone either. Do your due dilligence on selecting a financial advisor who actually has additional credentials beyond just being licensed to sell you an investment. Ask the advisor how long they have been in the business, and what have they done to become a better advisor since they started. Just because someone has been in the business 15 years, doesn't mean they haven't simply repeated the first year 14 other times!
The document summarizes the strong performance of stock markets in Q1 2013, with the S&P 500 returning 10.61% and Nasdaq returning 8.52%. It notes that while client portfolios are not 100% in stocks, the stock holdings have contributed significantly to returns. It asks whether the positive momentum can continue and directs the reader to page 2 for more details on the statistics.
The document provides information about pursuing a better investment experience by discussing various fees associated with mutual fund investments and noting that mutual funds are not guaranteed and past performance is not indicative of future returns. It emphasizes embracing market pricing, avoiding attempts to outguess the market through stock picking or market timing, and resisting chasing past performance. The document advocates letting markets work for the investor through long-term, globally diversified investments.
This document provides guidance on pursuing a better investment experience. It recommends embracing market pricing, not trying to outguess the market, resisting chasing past performance, letting markets work for you long-term, considering drivers of returns like company size and profitability, practicing smart diversification globally, avoiding market timing, managing emotions, focusing on long-term advice over entertainment, and controlling what you can like having a tailored plan.
This document provides an overview of Session I from the book "Money Talk: A Financial Guide for Women". Session I covers financial basics including understanding one's relationship with money, setting money values and goals, and tips for financial planning. It discusses how emotions and past experiences influence financial behaviors. The reader is guided through exercises to evaluate their money personality, values, goals, and relationship with spending. Effective financial planning requires understanding these personal factors and setting specific, measurable goals.
- Having too much cash can impede one's ability to meet long-term financial goals as interest rates are low and cash may not keep pace with inflation or accumulate enough for goals. The appropriate amount of cash depends on individual time horizons and goals.
- Diversifying investments across different market sectors and industries and using regular investing strategies like PACs can help mitigate risks from volatility in the stock market and make downturns work in one's favor.
- The document encourages reaching out for advice on reviewing one's cash position and growth opportunities.
The document discusses the four main challenges of wealth management: growing money over the long term, preserving wealth for retirement and heirs, living off savings during retirement, and leaving a legacy through estate planning. It outlines strategies for meeting retirement income needs, evaluating how much life insurance and long term care coverage is needed, and developing a comprehensive estate plan. The goal is helping people address these challenges and make the most of their financial resources over a lifetime.
This document outlines an investment strategy that involves investing in 11 options: the S&P 500 index, 9 sector ETFs that track the different sectors of the S&P 500, and cash. The strategy aims to beat the returns of the S&P 500 index and top performing mutual funds by overallocating to sectors that outperform the overall index and avoiding underperforming sectors. The strategy is presented as simple to implement and backtested data is provided showing it achieved significantly higher returns than the S&P 500 and top mutual funds from 2006-2018.
THE WARREN BUFFET WAY- Investment Strategies of the World’s Greatest InvestorRoziana Mohammad
Warren Buffett is an 86-year-old American business magnate, investor, and philanthropist, known as a long-term value investor and the most successful investor of the 20th century. He is the CEO of Berkshire Hathaway and has a net worth of over $60 billion as of 2014. Buffett follows the value investing principles of his mentor Benjamin Graham, focusing on buying shares of high-quality companies trading at a discount to their intrinsic value. Some of Buffett's key investment strategies include maintaining a margin of safety when valuing companies, viewing the stock market as Mr. Market who occasionally offers irrational prices, and taking a long-term buy-and-hold approach to allow companies' intrinsic
- After interviewing their investment manager partners, the consensus is one of cautious optimism about further stock market gains, but managers note the path remains precarious.
- Managers favor value stocks over growth and are underexposed to emerging markets and commodities despite recent strength in those areas.
- Within fixed income, emerging market bonds are becoming more attractive due to US dollar weakness.
- Government bonds are viewed more as portfolio insurance than a source of return given their low yields.
I'm looking for 2 people that want to change their current situation.
See how $18, one time, can change your situation in one year. There is strength in numbers. Teamwork makes the dream work. Take a look here >>> http://tinyurl.com/kb7luuf
http://Kaea80.4c4all.com
http://flow77.4c4all.com
http://unitedlove1.4c4all.com
Benjamin Graham was an influential American economist and investor who is considered the father of value investing. He wrote two influential books, Security Analysis and The Intelligent Investor. The Intelligent Investor teaches the distinction between investing and speculation, with investing focused on analyzing companies and protecting against losses, while speculation aims for extraordinary gains. It also covers topics like how to select stocks, dealing with market fluctuations, and the importance of a margin of safety. The book has been hugely influential on investors like Warren Buffett and remains one of the foundational texts on value investing.
This document provides a summary of market conditions and investment opportunities in May 2016. It notes that investor sentiment has been unusually neutral for an extended period. Real estate markets in Vancouver and Toronto have seen large price increases, which some see as a distortion caused by low interest rates. Earnings are expected to decline in the first quarter of 2016 but resume growth in the second half of the year. Three sectors - healthcare, telecommunications, and consumer discretionary - are expected to see earnings growth. Within consumer discretionary, strong double-digit earnings growth is forecast for retailing, consumer services, and other sub-sectors.
This document introduces the concept of theme-based investing and provides an example theme of growing prosperity in emerging markets. It explains how certain themes like increasing consumer demand can drive investment opportunities across many industries from basic materials to healthcare. The document also discusses how East End Wealth Management approaches theme-based investing by focusing on macro trends rather than individual companies and maintaining a globally diverse portfolio. It provides examples of other themes the firm may consider and how contradictory themes require careful analysis of their interacting effects.
Investing in philippine stock market for beginners - a quick start for Filip...Omeng Tawid
Investing in philippine stock market for beginners - a quick start for Filipino (Pinoy) investors:
Excerpt:
Stocks are simply shares of ownership in a
corporation. Thus anyone owning stocks or shares of
a company is called the company’s shareholder or
stockholder. Being a part-owner, you partake in the
performance, growth, earnings and profits, as well as
losses, of these companies.
The stock market is the place where people
converge to buy and sell shares or stocks through an
authorized stockbroker. That means once you have
your broker and enough money to buy stocks, you
can readily start investing in the stock market and
brand yourself as a noble shareholder of giant
fantastic companies.
In the Philippines, the Philippine stock market is the
place where you can invest in Philippine Stock
Exchange (PSE) - listed companies. And only those
people or firms accredited by PSE as authorized
brokers can participate directly in trading and putting
buy or sell orders.
Why Invest? To make your hard-earned money
work even harder for you
Investing enables one’s savings to grow or
appreciate to achieve various
long term financial goals. It is
said to be the most effective
way of building personal
wealth and attaining future
financial
security
for
oneself. It also safeguards
one’s capital against
inflation which erodes
the purchasing power
of your money if it’s not
invested.
Why stock market?
Because history says
so!
The fact is that stock
market is not the only
type of investment present
in the capital market. But history has proven that
nvesting in the stock market over the long-term has
outperformed all fixed-income instruments, plus it
offers good protection against inflation. The market
undeniably continuously experiences highs and lows,
dumps and trumps, and blows and dips, but these
short-term pictures are just tiny pixels compared to
the general uptrend portrait recognized in the long
run.
Who can invest? Everyone can!
Anyone can invest in the stock market. It is a readily
available choice of financial vehicle for those who
want to make their hard-earned money work even
harder for them. Millionaires or not, everyone can
earn in the same battle field.
Everyone motivated can do it.
When should you invest? When you’re ready!
That’s when you have money you won’t need for
your basic expenses, which you would otherwise put
in a bank. It’s better if it’s made available in a longer
time as it allows the investment to ride through the
The document provides an overview and analysis of markets in early 2017. It notes that markets rallied on hopes for fiscal stimulus under Trump after the end of quantitative easing. While markets performed well in 2016, questions remain about whether Trump will deliver on promises and upcoming political events. The analysis correctly predicted declines in overvalued companies like GoPro and Fitbit. It recommends staying long overall but using selective shorts and waiting for a market correction to buy more. Specific short ideas mentioned are Nvidia and AMD based on their large recent gains.
The document provides information on designing an effective investment portfolio. It discusses challenges like market volatility and the influence of financial media. The key is focusing on an investor's financial and life goals in order to build a prudent portfolio. Academics research suggests including both stocks and short-term bonds for diversification and considering small and value stocks for higher expected returns. Rebalancing is important to manage risk and avoid portfolio drift. The summary emphasizes maintaining a long-term perspective despite short-term market fluctuations in order to achieve investment goals.
Mr. Ramanathan Venkat is a 41-year-old financial analyst and active investor living in Mumbai with 14 years of investing experience. He invests in stocks, mutual funds, public deposits, insurance, real estate, and gold. Some of the individual stocks he invests in include Aurobindo Pharma, Axis Bank, and Infosys. He also invests in HDFC and Kotak mutual funds. For public deposits, he chooses tax-free options like PPF and NSC. He emphasizes doing research, diversifying, and having a long-term perspective to be a successful investor.
This document provides an overview of different types of stocks and strategies for investing in stocks. It discusses:
- Different categories of stocks including growth stocks, blue-chip stocks, income stocks, cyclical stocks, defensive stocks, value stocks, and speculative stocks.
- Key factors to evaluate when choosing stocks including earnings per share, price-earnings ratio, dividend yield, and book value per share. The document recommends focusing on stocks that meet most of these value criteria.
- Long-term investment strategies like dollar-cost averaging, reinvesting dividends, and avoiding common investor mistakes.
So in summary, the document outlines different stock types, key metrics to evaluate stocks, and long-term
Women can't afford to avoid investing, but they don't have to do it alone either. Do your due dilligence on selecting a financial advisor who actually has additional credentials beyond just being licensed to sell you an investment. Ask the advisor how long they have been in the business, and what have they done to become a better advisor since they started. Just because someone has been in the business 15 years, doesn't mean they haven't simply repeated the first year 14 other times!
This document provides information from Atlantic Sun Financial Group's August 2016 newsletter. It includes three articles:
1) "Investors Are Human, Too" which discusses behavioral biases that can influence investor decisions and recommends having a long-term perspective and sticking to an investing strategy.
2) "Be Prepared to Retire in a Volatile Market" which explains sequencing risk in retirement and recommends allocating assets into short, mid, and long-term buckets and strategies for determining annual withdrawals.
3) "Understanding the Net Investment Income Tax" which provides an overview of the 3.8% Medicare surtax on net investment income that applies to certain investment income if modified adjusted gross income exceeds thresholds.
This document provides an overview of investing for retirement. It discusses asset allocation and diversification, building an investment portfolio, and specific retirement planning lessons. The document includes exercises for readers to determine their ideal asset allocation based on factors like age and risk tolerance. It also provides a sample investment portfolio pyramid that illustrates how to divide savings among stocks, bonds, cash equivalents, and specific mutual funds to meet a retirement savings goal. The document aims to educate women on planning financially for retirement.
Stock market investing for beginners _ essentials to start investing successf...mikhaelmanalu1
This document provides an overview of the fundamentals of the stock market, including a brief history and descriptions of some of the major stock exchanges. It notes that the first stock exchange opened in Amsterdam in 1611, and that the New York Stock Exchange traces its origins to 1792 when stockbrokers gathered under a buttonwood tree to create trading rules. Today, the largest stock exchanges in the US are the New York Stock Exchange, NASDAQ, and American Stock Exchange. It provides short descriptions of these exchanges as well as the Chicago Board Options Exchange and Chicago Mercantile Exchange.
Michael Schwartz outlines 11 common retirement planning mistakes and provides advice on how to avoid them. The key mistakes include failing to have a proper retirement plan, having improper asset allocation, failing to calculate taxes, and failing to plan for healthcare costs. Schwartz urges readers to evaluate whether they have planned for these issues and offers to discuss how to turn potential mistakes into future strengths. He provides more detail on the first two mistakes of failing to plan and having improper asset allocation, emphasizing the importance of developing a comprehensive retirement plan and properly diversifying investments across different asset classes.
This document summarizes a monthly retirement planning newsletter. It discusses principles of asset allocation and diversification, provides tips for lobbying an employer for improvements to retirement plans, and poses questions about buying stocks based on tips versus doing research. Key points covered include the importance of diversifying investments across different asset classes and companies, getting input from coworkers to improve retirement plan options, and the risks of making investment decisions based on hype rather than fundamentals.
Asset class investing is a passive investment approach that focuses on allocating investments across broad asset classes rather than individual stocks or sectors. It draws on academic research showing that asset allocation has a great impact on returns, and that focusing on pre-defined asset classes can provide truer market returns than alternative strategies. The document discusses how asset class investing works to simplify the investment process for investors by focusing on large institutional funds designed for specific asset classes.
This document provides tips and guidance for beginner stock market investors. It discusses establishing long-term goals, understanding your risk tolerance, controlling your emotions, and handling the basics of investing before making your first purchase. The key tips are to set long-term goals for your investing, understand your personal risk tolerance, avoid making emotional decisions, and learn basic financial concepts and terms before investing. Diversifying your investments and starting early are also emphasized as important strategies.
Slides for 7 Steps to Help You Multiply Your Net Worth Over The Next 2 Years....Debbie Hezlewood
The document outlines 7 steps to help multiply net worth over the next 2 years, including investing in yourself through skills development, getting out of debt, investing in real estate, stocks/mutual funds, businesses, gold/silver, and saving for retirement. It provides tips for each step such as creating a budget to pay down debt, researching companies before investing in stocks, and understanding the risks of business investments. The overall goal is to take control of finances through various investment strategies and increase wealth over time.
This document contains general advice about investing that requires consideration of one's personal situation. Past results are not indicative of future performance and hypothetical or backtested results have limitations. The strategies discussed in the book have been tested using historical data but still require discipline, consistency and patience to implement successfully.
The document discusses asset allocation and provides guidance on how to build an investment portfolio. It defines asset allocation as dividing investments among different asset classes to reduce risk. The key aspects covered include:
- Asset allocation is the most important factor influencing investment returns, accounting for over 90% of results.
- Common asset classes include stocks, bonds, cash, gold, and real estate.
- An individual's asset allocation should consider their goals, risk tolerance, age, income stability, and time horizon rather than just their age.
- The document provides a process for determining one's asset allocation, including assessing if they are more like a stock or bond based on their career and financial situation.
This magazine article discusses various topics covered in the June 19, 2014 issue:
1) It discusses how different active investment strategies can be tailored to match different client personalities and risk tolerances.
2) It profiles investment advisor Carla Zevnik-Seufzer who emphasizes understanding each client's values and risk profile to develop customized plans using various active management approaches.
3) The article also briefly summarizes other pieces in the issue on rising oil prices and their potential economic impact, and how relying on outdated asset allocation models may not adequately address today's investment environment.
The document provides an overview of investing basics for those new to the stock market. It discusses key concepts like understanding investment risks, gaining expertise over time through practice rather than just reading theories, starting to invest early to benefit from compound interest, setting clear investment objectives, developing an appropriate investment strategy, maintaining a diversified portfolio, controlling emotions, and adjusting one's portfolio over time in response to market changes. The document emphasizes that investing requires ongoing learning and adapting to changing market conditions.
This document discusses volatility and provides strategies for managing risk. It begins by stating that moderate volatility is healthy for financial markets as it separates strong from weak investments. The document then discusses three components needed for a well-functioning financial system: cognitive diversity among investors, full disclosure of information, and rewards/penalties for correct/incorrect views. It suggests investors should focus on owning businesses rather than reacting to market fluctuations, and construct diversified portfolios that are not overly correlated with any single index. Strategies discussed for managing risk include owning a variety of assets, investing globally for currency exposure benefits, and focusing on long-term goals rather than short-term volatility.
The document discusses the growing retirement assets of baby boomers and the opportunity this presents for financial professionals. It notes that pre-retirees aged 55-64 currently possess 25% of US investable assets and are more open to advice than retirees. As the baby boom generation reaches retirement, over $1 trillion per year is expected to move from pensions to other retirement accounts. Financial professionals need to position themselves as retirement planning experts to attract these assets. The document promotes a program from Dreyfus that provides education, tools and resources to help financial professionals serve pre-retiree and retiree clients and their transition to retirement.
Dato’ Yau is a chartered accountant and has more than 30 years experience in auditing, corporate finance and general management. Prior to joining Tropicana as the Group Chief Executive Officer, he was with Hong Leong Industries Bhd where he served as group managing director since September 2011 and prior to that, he was Sunway Holdings Bhd managing director since April 2001. He has also served well in various Sunway Group Berhad.
1. Atlantic Sun Financial Group
Leslie Baker, CPA
7494 SW 60th Ave Ste B
Ocala, FL 34476
352-369-9933
leslie.baker@jwcemail.com
www.atlanticsunfg.finlsite.com
May 2016
Understanding Stock Market Indexes
Four Lessons Grandparents and
Grandchildren Can Learn Together
Nearing Retirement? Time to Get Focused
How long should I keep financial records?
Atlantic Sun Financial Group
Understanding Stock Market Indexes
See disclaimer on final page
No doubt you've seen headlines reporting that a
particular stock index is up or down. But do you
know what an index is, and how understanding
the nuts and bolts of a specific index may be
helpful to you?
An index is simply a way to measure and report
the fluctuations of a pool of securities or a
representative segment of a market. An index is
developed by a company that sets specific
criteria to determine which securities are
included in the index based on factors such as
a company's size or location, or the liquidity of
its stock. For example, the S&P 500 is an index
made up of mostly large-cap U.S.-based
companies that Standard & Poor's considers to
be leading representatives of a cross-section of
industries.
The company that develops the index tracks
the performance of its components and
aggregates the data to produce a single figure
that represents the index as a whole. Virtually
every asset class is tracked by at least one
index, but because of the size and variety of the
stock market, there are more stock indexes
than any other type. It's important to note that
the performance of an unmanaged index is not
indicative of the performance of any specific
security. Individuals cannot invest directly in an
index.
Comparing apples to oranges
Since indexes encompass a wide range of
securities, it's important to know what segment
of the market a particular index covers. For
instance, a composite index follows a specific
stock exchange. The Nasdaq Composite Index
includes all the stocks listed on the Nasdaq
market. Conversely, sector indexes track
securities in a specific industry.
Even indexes that include the same securities
may not operate in precisely the same way.
Generally, indexes tend to be either
price-weighted or market
capitalization-weighted. If an index is
price-weighted, such as the Dow Jones
Industrial Average, the impact of each stock on
the overall average is proportional to its price
compared to other stocks in the index. With a
price-weighted index, the highest-priced stocks
would have the most impact on the average.
For example, a 1 percentage point drop in the
price of a stock selling for $80 per share would
have more impact on the overall index's
performance than a 1 percentage point drop in
the price of a stock that had been selling for
$40 a share.
If an index is market capitalization-weighted or
market value-weighted, such as the Nasdaq
Composite Index or the S&P 500 Composite
Index, the average of the index is adjusted to
take into account the relative size of each
company (its market cap) to reflect its
importance to the index. Stocks with a larger
market capitalization have a greater influence
on how the index performs than stocks with a
smaller market capitalization. For example, if
the stock of a $10 billion market-cap company
drops by 1 percentage point, it will drag down
the index's performance more than a 1
percentage point drop in the share price of a $1
billion market-cap company.
Though an index adheres to a set of guidelines
for selection of the securities it includes, the
company that oversees the index generally
reviews the security selection periodically and
may make occasional changes. For example,
some indexes may rebalance if an individual
security grows so large that it dominates the
index. Others have a limit on how much of the
index can be devoted to a particular sector or
industry, and may rebalance if the proportion
gets skewed.
Indexes are worth watching
Stock indexes can provide valuable information
for the individual investor. If checked regularly,
an index can provide information that may help
you stay abreast of how the stock market in
general, or a particular segment of it, is faring.
However, understanding the differences
between indexes and how each one works will
help you make better use of the information
they provide. All investing involves risk,
including the possible loss of principal, and
there is no guarantee that any investment
strategy will be successful.
Page 1 of 4
2. Four Lessons Grandparents and Grandchildren Can Learn Together
If you're a grandparent, maintaining a strong
connection with your grandchildren is important,
but that may become harder over the years as
they leave for college or become busier building
their careers and families. While they're just
starting out financially, you have a lifetime of
experience. Although you're at opposite ends of
the spectrum, you have more in common than
you think. Focusing on what you can learn
together and what you can teach each other
about financial matters may help you see that
you're not that different after all.
1. Saving toward a financial goal
When your grandchildren were young, you may
have encouraged them to save by giving them
spare change for their piggy banks or slipping a
check into their birthday cards. Now that they're
older, they may have trouble saving for the
future when they're focused on paying bills.
They may want and need advice, but may not
be comfortable asking for it. You're in a good
position to share what experience has taught
you about balancing priorities, which may
include saving for short-term goals such as a
home down payment and long-term goals such
as retirement. You'll also learn something about
what's important to them in the process.
You may even be willing and able to give
money to your grandchildren to help them
target their goals. While you can generally give
up to $14,000 per person per year without
being subject to gift tax rules, you may want to
explore the idea of offering matching funds
instead of making an outright gift. For example,
for every dollar your grandchild is able to save
toward a specific goal, you match it, up to
whatever limit you decide to set. But avoid
giving too much. No matter how generous you
want to be, you should prioritize your own
retirement.
2. Weathering market ups and downs
Your grandchildren are just starting out as
investors, while you have likely been in the
market for many years and lived through more
than one challenging economic climate. When
you're constantly barraged by market news, it's
easy to become too focused on short-term
results; however, the longer-term picture is also
important. As the market goes up, novice
investors may become overly enthusiastic, but
when the market goes down they may become
overly discouraged, which can lead to poor
decisions about buying and selling. Sharing
your perspective on the historical performance
of the market and your own portfolio may help
them learn to avoid making decisions based on
emotion. Focusing on fundamentals such as
asset allocation, diversification, and tolerance
for risk can remind you both of the wisdom of
having a plan in place to help you weather
stormy market conditions.
Note: Asset allocation and diversification do not
guarantee a profit or protect against investment
loss. Past performance is no guarantee of
future results.
3. Using technology wisely
Some people avoid the newest technology
because they think the learning curve will be
steep. That's where your grandchildren can
help. With their intuitive understanding of
technology, they can introduce you to the latest
and greatest financial apps and opportunities,
including those that may help you manage your
financial accounts online, pay your bills, track
investments, and stay in touch with
professionals.
Unfortunately, as the use of technology has
grown, so have scams that target individuals
young and old. Your grandchildren might know
a lot about using technology, but you have the
experience to know that even financially savvy
individuals are vulnerable. Consider making a
pact with your grandchildren that if you are
asked for financial information over the phone,
via email, or online (including account or Social
Security numbers); asked to invest in
something that promises fast profits; or
contacted by a person or business asking for
money, you will discuss it with each other and
with a trusted professional before taking action.
4. Giving back
Another thing you and your grandchildren might
have in common is that you want to make the
world a better place.
Perhaps you are even passionate about the
same special causes. If you live in the same
area, you might be able to volunteer together in
your community, using your time and talents to
improve the lives of others. But if not, there are
plenty of ways you can give back together. For
example, you might donate to a favorite charity,
or even find the time to take a "volunteer
vacation." Traveling together can be an
enjoyable way for you and your grandchildren
to bond while you meet other people across the
country or globe who share your enthusiasm.
Many vacations don't require experience, just a
willingness to help--and learn--something you
and your grandchildren can do together.
According to a Pew
Research study, there are
some significant differences
between members of the
Millennial generation (born
1981-96) and the Silent
generation (born 1928-45).
• 68% of men and 63% of
women in the Millennial
generation are employed,
compared with 78% of
men and 38% of women in
the Silent generation when
they were young.
• 68% of Millennial
generation members have
never been married,
compared with 32% of
Silent generation
members when they were
the same age.
• 21% of men and 27% of
women in the Millennial
generation have at least a
bachelor's degree,
compared with only 12%
of men and 7% of women
in the Silent generation
when they were young.
Source: "How Millennials
today compare with their
grandparents 50 years ago,"
Pew Research Center,
Washington, D.C. (March 19,
2015), pewresearch.org.
Page 2 of 4, see disclaimer on final page
3. Nearing Retirement? Time to Get Focused
If you're within 10 years of retirement, you've
probably spent some time thinking about this
major life change. The transition to retirement
can seem a bit daunting, even overwhelming. If
you find yourself wondering where to begin, the
following points may help you focus.
Reassess your living expenses
A step you will probably take several times
between now and retirement--and maybe
several more times thereafter--is thinking about
how your living expenses could or should
change. For example, while commuting and dry
cleaning costs may decrease, other budget
items such as travel and health care may rise.
Try to estimate what your monthly expense
budget will look like in the first few years after
you stop working. And then continue to
reassess this budget as your vision of
retirement becomes reality.
Consider all your income sources
Next, review all your possible sources of
income. Chances are you have an
employer-sponsored retirement plan and
maybe an IRA or two. Try to estimate how
much they could provide on a monthly basis. If
you are married, be sure to include your
spouse's retirement accounts as well. If your
employer provides a traditional pension plan,
contact the plan administrator for an estimate of
your monthly benefit amount.
Do you have rental income? Be sure to include
that in your calculations. Is there a chance you
may continue working in some capacity? Often
retirees find that they are able to consult, turn a
hobby into an income source, or work part-time.
Such income can provide a valuable cushion
that helps retirees postpone tapping their
investment accounts, giving them more time to
potentially grow.
Finally, don't forget Social Security. You can get
an estimate of your retirement benefit at the
Social Security Administration's website,
ssa.gov. You can also sign up for a my Social
Security account to view your online Social
Security Statement, which contains a detailed
record of your earnings and estimates of
retirement, survivor, and disability benefits.
Manage taxes
As you think about your income strategy, also
consider ways to help minimize taxes in
retirement. Would it be better to tap taxable or
tax-deferred accounts first? Would part-time
work result in taxable Social Security benefits?
What about state and local taxes? A qualified
tax professional can help you develop an
appropriate strategy.
Pay off debt, power up your savings
Once you have an idea of what your possible
expenses and income look like, it's time to bring
your attention back to the here and now. Draw
up a plan to pay off debt and power up your
retirement savings before you retire.
• Why pay off debt? Entering retirement
debt-free--including paying off your
mortgage--will put you in a position to modify
your monthly expenses in retirement if the
need arises. On the other hand, entering
retirement with mortgage, loan, and credit
card balances will put you at the mercy of
those monthly payments. You'll have less of
an opportunity to scale back your spending if
necessary.
• Why power up your savings? In these final
few years before retirement, you're likely to
be earning the highest salary of your career.
Why not save and invest as much as you can
in your employer-sponsored retirement
savings plan and/or your IRAs? Aim for the
maximum allowable contributions. And
remember, if you're 50 or older, you can take
advantage of catch-up contributions, which
allow you to contribute an additional $6,000
to your employer-sponsored plan and an
extra $1,000 to your IRA in 2016.
Account for health care
Finally, health care should get special attention
as you plan the transition to retirement. As you
age, the portion of your budget consumed by
health-related costs will likely increase.
Although Medicare will cover a portion of your
medical costs, you'll still have deductibles,
copayments, and coinsurance. Unless you're
prepared to pay for these costs out of pocket,
you may want to purchase a supplemental
insurance policy.
In 2015, the Employee Benefit Research
Institute reported that the average 65-year-old
married couple would need $213,000 in savings
to have at least a 75% chance of meeting their
insurance premiums and out-of-pocket health
care costs in retirement. And that doesn't
include the cost of long-term care, which
Medicare does not cover and can vary
substantially depending on where you live. For
this reason, you might consider a long-term
care insurance policy.
These are just some of the factors to consider
as your prepare to transition into retirement.
Breaking the bigger picture into smaller
categories may help the process seem a little
less daunting.
A financial professional can
help you estimate how
much your retirement
accounts may provide on a
monthly basis. Your
employer may also offer
tools to help. Keep in mind,
however, that neither
working with a financial
professional nor using
employer-sponsored tools
can guarantee financial
success.
Page 3 of 4, see disclaimer on final page
4. Atlantic Sun Financial
Group
Leslie Baker, CPA
7494 SW 60th Ave Ste B
Ocala, FL 34476
352-369-9933
leslie.baker@jwcemail.com
www.atlanticsunfg.finlsite.com
Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2016
IMPORTANT DISCLOSURES
Broadridge Investor Communication
Solutions, Inc. does not provide
investment, tax, or legal advice. The
information presented here is not
specific to any individual's personal
circumstances.
To the extent that this material
concerns tax matters, it is not
intended or written to be used, and
cannot be used, by a taxpayer for the
purpose of avoiding penalties that
may be imposed by law. Each
taxpayer should seek independent
advice from a tax professional based
on his or her individual
circumstances.
These materials are provided for
general information and educational
purposes based upon publicly
available information from sources
believed to be reliable—we cannot
assure the accuracy or completeness
of these materials. The information in
these materials may change at any
time and without notice.
What are some tips for organizing financial records?
Organizing your financial
records is a cyclical process
rather than a one-time event.
You'll need to set up a system
that helps you organize
incoming documents and maintain existing files
so that you can easily find what you need. Here
are a few tips.
Create your system: Where you should keep
your records and documents depends on how
quickly you want to be able to access them,
how long you plan to keep them, and the
number and type of records you have. A simple
set of labeled folders in a file cabinet may be
fine, but electronic storage is another option for
certain records if space is tight or if you
generally choose to receive and view records
online. No matter which storage option(s) you
choose, try to keep your records in a central
location.
File away: If you receive financial statements
through the mail, set up a collection point such
as a folder or a basket. Open and read what
you receive, and decide whether you can file it
or discard it. If you receive statements
electronically, pay attention to any notifications
you receive. Once you get in a routine, you may
find that keeping your records organized takes
only a few minutes each week.
Purge routinely: Keeping your financial
records in order can be even more challenging
than organizing them in the first place. Let the
phrase "out with the old, in with the new" be
your guide. For example, when you get this
year's auto policy, discard last year's. When
you receive an annual investment statement,
discard the monthly or quarterly statements
you've been keeping. It's a good idea to do a
sweep of your files at least once a year to keep
your filing system on track (doing this at the
same time each year may be helpful).
Think safety: Don't just throw hard copies of
financial paperwork in the trash. To protect
sensitive information, invest in a good quality
shredder and destroy any document that
contains account numbers, Social Security
numbers, or other personal information. If
you're storing your records online, make sure
your data is encrypted. Use strong passwords,
and back up any records that you store on your
computer.
How long should I keep financial records?
There's a fine line between keeping financial records for a reasonable period of
time and becoming a pack rat. A general rule of thumb is to keep financial
records only as long as necessary. For example, you may want to keep ATM
receipts only temporarily, until you've reconciled them with your bank statement.
But if a document provides legal support and/or is hard to replace, you'll want to
keep it for a longer period or even indefinitely. It's ultimately up to you to determine which records
you should keep on hand and for how long, but here's a suggested timetable for some common
documents.
One year or less More than one year Indefinitely
Bank or credit union
statements
Tax returns and
documentation*
Birth, death, and marriage
certificates
Credit card statements Mortgage contracts and
documentation
Adoption papers
Utility bills Property appraisals Citizenship papers
Annual insurance policies Annual retirement and
investment statements
Military discharge papers
Paycheck stubs Receipts for major purchases
and home improvements
Social Security card
*The IRS requires taxpayers to keep records that support income, deductions, and credits shown
on their income tax returns until the period of limitations for that return runs out--generally three to
seven years, depending on the circumstances. Visit irs.gov or consult your tax professional for
information related to your specific situation.
Page 4 of 4