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!
6 Ways You Should Never Invest - Success Resources Richard Tansuccessresources1
Investing mistakes are part of the investing process. Knowing what they are, avoid committing them, develop a thoughtful, systematic plan and stick with it.
AES International is a multi-award winning international wealth management and employee benefits organisation.
Find out why you should join our movement: https://www.aesinternational.com/
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.
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.
6 Ways You Should Never Invest - Success Resources Richard Tansuccessresources1
Investing mistakes are part of the investing process. Knowing what they are, avoid committing them, develop a thoughtful, systematic plan and stick with it.
AES International is a multi-award winning international wealth management and employee benefits organisation.
Find out why you should join our movement: https://www.aesinternational.com/
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.
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.
We know what you want: money.
Now, you probably think that a VC will give you money and leave you alone. Sorry, it’s not that simple. In this lecture we look at:
* How VCs make money
* What they want in return for their money
* How they structure deal
Part of the CIBC Presents Entrepreneurship 101 Lecture Series: http://www.marsdd.com/ent101
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.
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 beginner's guide to investing intelligently from the start! From the stock market to real estate! Tips, suggestions, strategies, discussions, things to beware of and more!
Never make a bad investment or lose your money again!
Netwealth portfolio construction series - Building investment portfolios for ...netwealthInvest
Discover what markets could look like in the future and some of the strategies investors use in order to continue meeting their retirement goals with Josh Hall from Aberdeen Asset Management.
Startupfest 2016: ANDREW ACKERMAN (Dreamit Edtech) - How to Startupfest
How to raise your first round -
Having trouble finding prospective investors? Not getting the meetings you need? Wondering why raising your round is taking so long? Dreamit Managing Director Andrew Ackerman gives the inside scoop on how their startups prospect for investors, get meetings, and drive the round to close.
Netwealth portfolio construction series: Investment Moneyball - Taking advant...netwealthInvest
Discover how you can apply the Moneyball theory to potentially discover good investment opportunities at good prices by finding market anomalies to take advantage of. Paul Moore, founder and Chief Investment Officer of PM Capital, discusses.
making syndicated angel investments is proven to lower the risk especially when making the first angel investment.
Bill Payne will share his wide experience on this fiels and give his best practices to find a balanced solution.
More information: www.fiban.org/billpayne
Investor’s View: Understanding and avoiding biases Paul Asel
Paul Bevelin focuses on 28 biases relevant to investors in his book: Seeking Wisdom: from Darwin to Munger. A book summary by Paul Asel, Managing Partner at NGP Capital.
Many technology ventures are focused on securing funds from venture capitalists (VCs). This lecture focuses on understanding the motivation of private venture capital firms and how it affects the structure of their term sheets and legal agreements. We explore common pitfalls in dealing with VCs, as well as success stories regarding VC investment.
Savings and Investing are the foundations of a strong financial future for every individual. You can place a good foundation effectively with the Financial Planning exercise. But many of us find it difficult to put this into practice and are therefore faced with numerous difficulties in achieving financial goals. Most of us find it hard to understand the variety of financial products available in the market. Thus are unable to take informed decisions. This results in delaying or putting of the financial decision which can lead to unfulfilled goals and hurdles.
This presentation helps in understanding the basics of Financial Planning.
We know what you want: money.
Now, you probably think that a VC will give you money and leave you alone. Sorry, it’s not that simple. In this lecture we look at:
* How VCs make money
* What they want in return for their money
* How they structure deal
Part of the CIBC Presents Entrepreneurship 101 Lecture Series: http://www.marsdd.com/ent101
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.
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 beginner's guide to investing intelligently from the start! From the stock market to real estate! Tips, suggestions, strategies, discussions, things to beware of and more!
Never make a bad investment or lose your money again!
Netwealth portfolio construction series - Building investment portfolios for ...netwealthInvest
Discover what markets could look like in the future and some of the strategies investors use in order to continue meeting their retirement goals with Josh Hall from Aberdeen Asset Management.
Startupfest 2016: ANDREW ACKERMAN (Dreamit Edtech) - How to Startupfest
How to raise your first round -
Having trouble finding prospective investors? Not getting the meetings you need? Wondering why raising your round is taking so long? Dreamit Managing Director Andrew Ackerman gives the inside scoop on how their startups prospect for investors, get meetings, and drive the round to close.
Netwealth portfolio construction series: Investment Moneyball - Taking advant...netwealthInvest
Discover how you can apply the Moneyball theory to potentially discover good investment opportunities at good prices by finding market anomalies to take advantage of. Paul Moore, founder and Chief Investment Officer of PM Capital, discusses.
making syndicated angel investments is proven to lower the risk especially when making the first angel investment.
Bill Payne will share his wide experience on this fiels and give his best practices to find a balanced solution.
More information: www.fiban.org/billpayne
Investor’s View: Understanding and avoiding biases Paul Asel
Paul Bevelin focuses on 28 biases relevant to investors in his book: Seeking Wisdom: from Darwin to Munger. A book summary by Paul Asel, Managing Partner at NGP Capital.
Many technology ventures are focused on securing funds from venture capitalists (VCs). This lecture focuses on understanding the motivation of private venture capital firms and how it affects the structure of their term sheets and legal agreements. We explore common pitfalls in dealing with VCs, as well as success stories regarding VC investment.
Savings and Investing are the foundations of a strong financial future for every individual. You can place a good foundation effectively with the Financial Planning exercise. But many of us find it difficult to put this into practice and are therefore faced with numerous difficulties in achieving financial goals. Most of us find it hard to understand the variety of financial products available in the market. Thus are unable to take informed decisions. This results in delaying or putting of the financial decision which can lead to unfulfilled goals and hurdles.
This presentation helps in understanding the basics of Financial Planning.
“HUSTLE” – крауд фандинговий сервіс покликаний створити сприятливі умови для створення відчизняних інновацій і просуванні їх на міжнародний ринок. Для Києва це можливість стати містом інновацій, а згодом і Україні стати головним інноватором в Східній Європі.
Investing Rules You Should Never Break is a concise and practical guide that provides investors with essential principles for successful and sustainable investing. This e-book covers the fundamental rules that every investor should follow to avoid costly mistakes and achieve their financial goals.
The book offers insights and advice on how to create a diversified investment portfolio, manage risks, and maximize returns. It also includes strategies for managing emotions and avoiding common behavioral biases that can lead to poor investment decisions.
Investing Rules You Should Never Break is an excellent resource for both novice and experienced investors who want to improve their investment outcomes. The tips and strategies presented in this e-book are actionable and backed by research, making it a reliable guide for anyone seeking to invest wisely and profitably.
The Importance of proper Financial Planning. Navigating the financial world is a minefield, make sure you know what steps you need to take to ensure you don't lose money.
Pritam Deuskar- 7 habits of highly successful investor.pptxwealthyvia
Do you want to learn how to be a successful investor? Or do you want to learn the tried-and-true habits of successful investors? Don't worry, Pritam Deuskar is here to assist you. Investing, he claims, is not about getting rich or playing the market. It's a necessary step toward financial wellness. According to Pritam Deuskar Wealthyvia good habits can make you a better investor, and the following seven can help you become a successful investor.
Stock Market Psychology Keys to Successful Investment.pptxjohnsmith0325420
Understanding Stock Market Psychology is like having a secret key to successful investing. It's about knowing how people's feelings, like fear and greed, can affect the stock market. This knowledge helps you make smart decisions, like when to buy or sell stocks. It's like having a map to navigate the emotional ups and downs of investing. So, if you want to succeed in the stock market, grab hold of the keys to Stock Market Psychology – your guide to making money wisely
Welcome to the Ultimate Millionaire Handbook. Many individuals desire financial achievement, but few understand the steps required to make it a reality.
This thorough handbook will provide you with useful strategies and insights to assist you in building wealth and achieving your financial objectives. This book covers everything from establishing a wealthy mentality to investing in your education, creating numerous sources of revenue, and valuing your health and well-being.
So, let us begin your path to becoming a billionaire.
This book will teach you how to establish reasonable financial objectives, develop a detailed budget, and spend prudently to optimize your profits.
You'll also learn the value of establishing strong relationships, developing a strong personal identity, and keeping current on industry trends and advancements.
You'll also discover helpful hints for cutting costs, diversifying your revenue, and building strong communication and relationship skills.
You'll also discover how to emphasize your health and well-being in order to accomplish long-term financial success.
Whether you're just getting started on your path to financial success or want to take your wealth-building to the next level, this comprehensive handbook has everything you need to accomplish your financial objectives and live the life you want. So, let's get begun on your way to becoming a billionaire.
I'm looking for 2 people that want to change their current situation.
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If you are beginning your investment journey (or if you want to rethink with a structured approach), there’s no better place to start! This document outlines a structured approach to investing that we wish we had when we started to invest.
Don’t want to get “taken” on a low dealer trade-in, consider donating that older model car to your favorite charity. Want help getting a fair market value on your car, call us.
Strategic diversification can add value to your portfolio. If you do not have any of these different types of asset classes, you should ask your investment person why. If they do not have a good reason, you may want to seek a different adviser....
So which mortgage is the right one for you? Wait for it…it depends! You know life is too complex for an easy rule of thumb. You should seek the advice of a qualified financial planner who does this kind of scenario all the time. The second thing you could do is give us a call..
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Bonds have had their 30+ year bull run, now it is time to pay close attention to the bonds you own. For decades, most people’s bond portfolios were just on autopilot, this will get you hurt going forward. Please read on..
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Women live 5 years longer, on average, than men. Planning your own retirement is crucial to living the life you want to live.... the way you want to live it. Call us, let's talk.
Focus on things that matter and that you can control! I offer this letter up for information purposes only, not to pretend that you or I have any control over what happens (or doesn't happen) in Washington. Staying focused on your financial plan is key to working towards your goals.
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Since May, interest rates on bonds have drifted upwards and values have declined. Investing in bonds can no longer be left on auto-pilot. Please read on...
Changing Jobs? Take Your 401(k) and ... Roll It!Dolf Dunn
If you have recently lost your job, or are changing jobs, you may be wondering what to do with your 401(k) plan account. It is important to understand your options
Health-Care Reform: Replacing Myths with FactsDolf Dunn
Emotions and financial decisions rarely ever go well together, so it is critical to understand how (if any) the new health care program will affect you and your family.
Women, in Estate Planning, You Are the Last ResortDolf Dunn
Because women usually outlive their male counterparts by an average of almost 5 years, making sure both you and your husband's estate documents are completed is crucial. I truly believe if you love someone, you will deal with your own mortality and get your estate documents completed! It is not about you, it is about the people you love most.
Common Factors Affecting Retirement IncomeDolf Dunn
People have two very distinct investment periods in their lives, Accumulation and Distribution. Brokers are paid in the accumulation phase, not so much in the distribution phase. Fee-based Financial Planners, like myself, are paid along the way to give our clients great advice in both phases of their lives. Distribution phase is the more difficult of the two to get right. If you do not do proper planning, one risks running out of money before your last breathe. Not to be entrusted to amateurs. I can help, please give me a call.
The Retirement Income Gender Gap -- Dealing with the ShortfallDolf Dunn
Are you facing a retirement income gap? Have you ever heard the saying what you don't know can't hurt you? "There is no shame in not knowing, the shame lies in not finding out" ~ Russian Proverb. It is never too soon to start planning your retirement income strategy. I can help, please read on, your retirement may depend on it.
Understanding what you can legally contribute towards your retirement savings is important, but it is the easy part. Saving into your retirement plans up to the max each year is the hard part. It requires financial discipline now to avoid regret later! Please read on...
Keep this handy Individual Income Tax chart to help quickly discover the changes from 2012 to 2013 as a result of "The American Taxpayer Relief Act of 2012." You have to love how Congress names their legislation.
Ignore LTC Planning at the Risk of Your Own Financial Peril.Dolf Dunn
This whole area of extended healthcare in retirement is so important to get right that I went and earned my CLTC designation. This area of your financial planning needs to be lead by someone who actually knows the subject matter. What is the difference between LTC planning and the Fiscal Cliff? You have great control over how you deal with LTC planning whereas you have no real say in what was decided by congress and the president last week.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
1. Dolf Dunn Wealth Management, LLC
Dolf Dunn, CPA/PFS,CFP®,CPWA®,CDFA
Private Wealth Manager
11330 Vanstory Drive
Suite 101
Huntersville, NC 28078
704-897-0482
dolf@dolfdunn.com
www.dolfdunn.com
The Traits of a Good Investor and How Women Can Make
the Most of Them
Women are increasingly taking responsibility for
managing their own money. That includes those who
in the past may have left investing to a spouse
because they were busy raising a family or had no
interest in the subject, but who have since found that
divorce, a spouse's death, or the need to help a
parent have forced them to learn some investment
basics. However, many women, including high-level
professionals who are experts in their field, may not
feel confident about their investing abilities.
One of the best things
you can do for yourself
and/or your family is to
be prepared to manage
your finances
responsibly. Even if you
see investing as
overwhelming or
complicated and boring,
you need to know the
basics behind a
well-thought-out
investment strategy--at
least enough to protect
yourself from fraud
and/or communicate
effectively with a
financial advisor or
spouse.
If you're one of them, you may have more going for
you than you think. Traits such as patience,
willingness to confront and deal with mistakes, and
recognizing when help is needed can benefit portfolio
returns, particularly for a long-term investor. Even risk
aversion, sometimes a problem for women who are
concerned about their investing abilities, can be an
advantage if it's applied wisely.
Feel you aren't as knowledgeable as
you should be about investing?
Chances are you're in good company. Plenty of
people know less than they should but aren't willing to
recognize or admit it; as a result, their portfolios
suffer. Recognizing what you don't know can be an
asset. Being willing to ask questions and understand
some basics will serve you better than sticking your
head in the sand.
Also, being a good investor doesn't mean you need to
do all the work yourself. A financial professional can
help you set a strategy, select specific investments,
monitor their performance, and make adjustments as
circumstances dictate.
If you make a mistake, can you admit
and deal with it?
Many investors' portfolios have suffered because of a
failure to recognize an investing mistake and deal
with it; instead, their owners hang on, waiting for a
turnaround that may never come. As the saying goes,
"Good investors know how to take profits; great
investors know how to take losses." There's never
been an investor who hasn't experienced losses;
smart ones follow a discipline that helps them know
not only when to buy but also when to sell an
investment or adjust a strategy that hasn't worked.
Are you risk averse in the right way?
When people feel unsure about their investing skills,
they sometimes take the path of least resistance and
invest very conservatively. In some cases, this can be
helpful. For example, avoiding big risky bets that can
single-handedly drag down a portfolio can sometimes
lead to better risk-adjusted performance. However,
this trait can also be a double-edged sword if you're
investing far more conservatively than is appropriate
for your goals and circumstances, either out of fear of
making a mistake or from not being aware of how
risks can be managed. Being unaware of how
inflation can affect investment returns or how to
balance various types of risks can leave you
vulnerable to a shortfall in your retirement savings or
other financial goals.
You don't have to become a financial wizard to
understand principles that can help you manage risk.
Having a child involves many risks, but it's the rare
parent who knows everything that will be needed
before taking the plunge. You prepare as best you
can and improve as you go along; it's the same with
investing.
All investing involves risk, including the potential loss
of principal, and there can be no guarantee that any
investment strategy will be successful. But perhaps
the biggest risk of all is not taking the steps needed to
secure your financial future.
Can you be patient?
Excessive trading costs have historically been one of
the reasons individual investors often underperform
the stock market as a whole. One study found that
because women are less likely to indulge in excessive
trading, they outperform men.* A portfolio is--or
should be--a means to an end, not a competitive
November 19, 2013
Page 1 of 2, see disclaimer on final page
2. sport. It's a way to pursue your financial goals, rather
than a measure of self-worth or a vehicle for bragging
about how you "beat the market."
Potential investments are all around
Being familiar with the
following concepts can
equip every woman to be
a smarter investor:
• The three primary
types of investments
(also known as asset
classes)
• The roles of income,
growth, and safety in
a portfolio, and which
investments focus on
each one
•
•
•
•
•
•
•
•
The process of
deciding how much to
devote to each asset
class (asset
allocation)
The benefits of
diversification
Risk tolerance and
how your time horizon
affects it
The differences
between mutual funds
and individual
securities
How much you'll need
to save for retirement
What returns you
would need to reach
your goals
How much income
you want your assets
to generate in
retirement
The role of various
financial vehicles,
such as 401(k)s and
IRAs
Odds are you make many purchasing decisions every
day. That means you have a lot of opportunities to
observe products and consumer behavior. Everyday
life can be a rich source of information that can be
applied to investments. For example, if all your friends
seem to be flocking to a new retailer or buying a
certain type of computer, you might be seeing an
emerging trend or company whose value hasn't yet
been recognized by Wall Street. That doesn't mean
you should invest without additional research, of
course, but your own daily experience can suggest
ideas to explore. Conversely, if you notice that a
trendy item that was so hot last year now seems to be
showing up more often in clearance bins than
shoppers' carts, you might want to see whether the
stock is a candidate for sale.
Step up your game
If you're afraid to make decisions because you
don't know a mutual fund from a muffin top:
• Get some basic information. Your retirement plan
at work might provide educational materials or
assistance, and there are plenty of books,
magazines, and websites that can help. Don't be
afraid to talk to friends who may have similar
questions, but do your own research, too.
• Take baby steps and learn as you go. You don't
have to do everything at once; even a small step is
better than none.
• Don't postpone getting started; the longer you wait,
the fewer options you may have. Even if you don't
make your own financial decisions now, the odds
are good that you may someday have to do so.
• Recognize that you're not alone. Others may have
the same doubts as you about their investing
abilities.
If you've already started working toward your
goals but aren't sure you're on the right track:
• Clarify your investing goals, your time horizon, and
your level of risk tolerance and make sure you're
properly diversified. If you're not sure how your
money is invested, get whatever help you need to
develop an asset allocation strategy that's
appropriate for your goals and risk tolerance.
• Make sure your expectations for a return on your
money are both realistic and sufficient to give you
the best chance of achieving your goals. Don't
focus solely on risk, but also on potential reward
and ways to try to manage risk. And remember
that an investment's past performance is no
guarantee of its future results.
• Some investments offer potential growth, some
focus on protection of your initial investment, and
some provide regular income payments.
Understand what you own and what role each
investment fills in your portfolio. Though
diversification can't guarantee a profit or eliminate
potential loss, it can help you manage the types
and level of risk you take.
• An investment club can be a way to explore
investing in a social setting. The National
Association of Investors Corporation can help you
start or find one.
If you're money savvy:
• To ensure that you're making the most of your
money, benchmark the performance of your
investments and your portfolio as a whole against
a relevant index or model portfolio.
• Make sure your asset allocation adjusts to
changes in your life circumstances.
• Don't underestimate the impact of taxes, fees,
expenses, and trading costs on portfolio
performance. If you've amassed substantial
assets, you might benefit from expert help in
dealing with issues such as taxes, estate planning,
and asset protection.
• Have a game plan to keep yourself from panicking
during volatile markets.
Equipping yourself to pursue your financial goals is
time well invested.
Note: Before investing in a mutual fund, carefully
consider its investment objective, risks, fees, and
expenses, which can be found in the prospectus
available from the fund.
*"Behavioral Patterns and Pitfalls of U.S. Investors,"
August 2010 Library of Congress report for the SEC.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any
individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance
referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.
The tax information provided is not intended to be a substitute for specific individualized tax planning advice. We suggest that you consult with a
qualified tax advisor.
Securities offered through LPL Financial, Member FINRA/SIPC
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Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2013