An easy to understand guide to investing in securities like stocks, bonds and mutual funds for your financial future. This is material taken from chapter two of my book, "Figuring Out Wall Street".
Venture capital in India is a big action by the Indian government in the term of industry development. Venture capital having more problem and also denoted what will be scenario of Venture capital in future !!
What is SIP? (Systematic Investment Planning) slideshareLatin Manharlal
Systematic Investment Plan (SIP) is an approach to investing small amounts at regular intervals rather than investing lump sum amount at one time.
Considered to be the safest way to invest into Equity Markets by going the SIP route, Investor is not trying to capture the Highs and lows of the market, but trying to average the cost by investing at regular interval.
Concept is that, When the markets fall investor gets more units. Likewise investor acquires lesser units when the market goes up. This means that investor buys less when the price is high and investor buys more when the price is low. Hence the average cost per unit falls down over a period of time.
Here I am Sharing Presentation about Mutual Fund Which is beneficial for Finance Student. Who one want to know details of mutual fund can see this slide this will be helpful to the student of finance.
All The Best
The benefits of investing in mutual fundselearnmarkets
This slide talks about how mutual fund works and the benefit of investing in a mutual fund. As a small investor, you may find that it is not possible to buy shares of larger corporations. Mutual funds generally buy and sell securities in large volumes which allow investors to benefit from lower trading costs. The smallest investor can get started on mutual funds because of the minimal investment requirements.
Venture capital in India is a big action by the Indian government in the term of industry development. Venture capital having more problem and also denoted what will be scenario of Venture capital in future !!
What is SIP? (Systematic Investment Planning) slideshareLatin Manharlal
Systematic Investment Plan (SIP) is an approach to investing small amounts at regular intervals rather than investing lump sum amount at one time.
Considered to be the safest way to invest into Equity Markets by going the SIP route, Investor is not trying to capture the Highs and lows of the market, but trying to average the cost by investing at regular interval.
Concept is that, When the markets fall investor gets more units. Likewise investor acquires lesser units when the market goes up. This means that investor buys less when the price is high and investor buys more when the price is low. Hence the average cost per unit falls down over a period of time.
Here I am Sharing Presentation about Mutual Fund Which is beneficial for Finance Student. Who one want to know details of mutual fund can see this slide this will be helpful to the student of finance.
All The Best
The benefits of investing in mutual fundselearnmarkets
This slide talks about how mutual fund works and the benefit of investing in a mutual fund. As a small investor, you may find that it is not possible to buy shares of larger corporations. Mutual funds generally buy and sell securities in large volumes which allow investors to benefit from lower trading costs. The smallest investor can get started on mutual funds because of the minimal investment requirements.
Systematic Investment Plan (SIP)-Smarter way to meet your financial goalsRR Finance
SIP is an investment program that allows you to contribute a fixed amount (as low as Rs. 1000/-) in mutual funds at regular intervals. Please visit:- http://rrfinance.com/Mutual%20Fund/Mutual_Fund_Home.aspx
In this presentation we will deal with Insurance organizations, their operational structure, insurer’s function and key business terms used in this sector.
To know more about Welingkar School’s Distance Learning Program and courses offered, visit:
http://www.welingkaronline.org/distance-learning/online-mba.html
The concept of the Security Market Line is very popular for portfolio management. It helps to derive the pricing of risky securities by plotting their expected returns.
To know more about it, click on the link given below:
https://efinancemanagement.com/investment-decisions/security-market-line
Everyone wants to be more financially secure, but don't know the basics of how to get there. This presentation is a roadmap with seven simple rules for financial success. It is part of a series of seminars offered by Saunders Learning Group on personal money management. You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Systematic Investment Plan (SIP)-Smarter way to meet your financial goalsRR Finance
SIP is an investment program that allows you to contribute a fixed amount (as low as Rs. 1000/-) in mutual funds at regular intervals. Please visit:- http://rrfinance.com/Mutual%20Fund/Mutual_Fund_Home.aspx
In this presentation we will deal with Insurance organizations, their operational structure, insurer’s function and key business terms used in this sector.
To know more about Welingkar School’s Distance Learning Program and courses offered, visit:
http://www.welingkaronline.org/distance-learning/online-mba.html
The concept of the Security Market Line is very popular for portfolio management. It helps to derive the pricing of risky securities by plotting their expected returns.
To know more about it, click on the link given below:
https://efinancemanagement.com/investment-decisions/security-market-line
Everyone wants to be more financially secure, but don't know the basics of how to get there. This presentation is a roadmap with seven simple rules for financial success. It is part of a series of seminars offered by Saunders Learning Group on personal money management. You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Is your student heading off to college soon, then this presentation is for them. Help them learn the basics of starting out on their own. Part of Floyd Saunders' Personal Money Management seminar, covering the cost of moving, renting, signing a lease, living on a budget. It is all here.
Here's the guidance you need to handle credit better. Unit four of Floyd Saunders' Personal Money Management Workshop. Perfect for college students and other young people, leaving home for the first time and just getting started with their personal finances. Contact Floyd Saunders for the leader's guide and student workbooks.
A complete introduction to investment companies, including mutual funds, exchange traded funds. Based in part on material in my book: "Figuring Out Wall Street". A part of a continuing series on the financial services industry. We develop and present custom training for the financial services industry, contact us for a quote.
Managing your credit cards can be important in your quest to be responsible with your money. Floyd Saunders' Personal Money Management Workshop provides an introduction to managing your money and is targeted to college students and the first time user of credit cards. The workshop includes a leader's guide and student workbook, contact Floyd Saunders for details.
Unit one of Floyd Saunders' Personal Money Management Seminars - Learn the basics of budgeting and why managing your money starts with controlling spending. This is the first unit in a series of six that include: buying your first home, credit cards, living on your own, handling credit and savings/investing. Contact me for the instructor's guide and participant workbooks.
Here's that quick overview of the financial planning industry you have been looking for and it's part of the continuing series of industry overviews for anyone interested in the financial services industry.
Floyd Saunders' Personal Money Management Workshop for college students and anyone who needs an introduction to the basics of being better at managing your money. Unit six in the series covers the basics of saving and investing. Get a great overview of how to start down the path to financial security. Contact Floyd for leaders and students guides.
This is a overview of the business of banking, including retail, business and investment banking. We have also included introductions to other financial services like credit cards, credit rating agencies, mutual funds and the business processes used to process loan transactions, credit card payments, and a range of other banking services and products. Useful for anyone who would like an overview of the banking industry. Downloads will be allowed for 30 days. After that you can contact me if you would like the file.
Here's a quick overview of Credit Unions for anyone who would like to understand this type of financial services firm. Member owned, with products that are typical to banks. Perfect introduction to use for new customers. We can add to or modify this presentation for any credit union that would like a custom version for educating community groups. Contact us 316 680 6482.
Annuity Basics is part of our continuing series of presentations for Financial Services Industry Training. We develop custom training specific to the financial services industry. Contact us for a quote or discussion of your needs.
Evaluating Your Investments Module 8 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Financing Your Future Module 5 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Investment Strategies To Grow Your IncomeCurtis Rose
While it’s wise to have a concern for increasing your assets, you may also wish to focus on using your investments to augment your income.
For example, if you inherited a valuable piece of artwork worth $1 million, you could hang it on your wall and increase your assets by $1 million. However, that picture on your wall does little to help you pay your expenses.
Investment strategies that focus on growing assets will generally result in greater wealth over the long-term, but it’s also possible to generate a significant income via the proper investment channels.
Investment strategies that focus on income make more sense as you near retirement age. With income-producing investments, you can lower your risk. This might be especially important to you if you’re too close to retirement to have the time to recover from significant asset loss.
Also, once you’re retired, you’ll want a reliable and consistent source of income.
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.
Need to know more about private equity and hedge funds? Then you have come to the right place with this quick overview presentation. This is based on my book: "Figuring Out Wall Street". A part of a continuing series of on the financial services industry. We provide training, custom developed to your needs. Contact us to discuss your needs and get a quote.
16 reasons rich people are better at managing their money and what you can do to change how you think about your money. This presentation is based on the book "The Millionaire Mind". Rich people have perhaps many advantages, but most millionaires are just average people who think about money in different ways that the rest of us.
Investing can be simple, one way is buy a single share of stock and then invest more on a monthly basis, invest the dividends and over time your money will grow.
At ReallySimpleInvesting.com we work every day to bring you personal financial educational materials you can use to increase your financial security. Check us out at: www.reallysimpleinvesting.com
Getting Started with Financial Security Module 1 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Securing Your Financial Base Module 4 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Investing in Real Estate Module 7 of Family Financial Freedom Floyd Saunders
he seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Passing Your Wealth On - Module 10 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases). You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
College is expensive, no doubt about it. But you can make it more affordable following the tips and ideas in this, the fifth module of the Affording College Now workshop. Based on materials from the book, "College Without Ramen Noodles".
A workshop leader's guide is available, just contact us.
So you want to go to college! But college is expensive, what to do? For most students financial aid is a part of the package to make college affordable. In this module of the Affording College Now Seminar, we cover all of the sources of financial aid. A Leader's Guide is available if you would like to present this workshop, just contact us.
Affording college module 3 saving for collegeFloyd Saunders
The cost of college is increasing faster than almost any of expenses and student debt is a record high levels. What's the alternative? Savings and investing in the right accounts. Learn more about how you can increase the changes you can save for college expenses and afford college. Part three of our workshop. Leader's guide available if you want to present this program. contact us.
Affording college module 2 cost of collegeFloyd Saunders
College is expensive. For many families it is one of the most expensive investments they will make. With student debt crossing over one trillion dollars, every parent and potential college student is concerned about the cost of college. This presentation is a part a workshop series based on the book, "College Without Ramen Noodles, A Guide to Affording College. In additional to the presentation a leader's guide is available. Should you wish to set-up a workshop contact me for details.
Affording College Module 1 why Go To College Floyd Saunders
Is College part of your future? Can you Afford College? Should you even consider college?
In Module One of this workshop, we explore why going to college is a great idea for your future and then some alternatives to starting college right away. Materials are based on my book, "College Without Ramen Noodles, A Guide to Affording College Now." Schedule a workshop now or ask for seminar materials including a leader's guide.
Now you can learn the 12 golden rules of investing success. This is something that all most anyone can learn and apply to achieve greater financial security. Start with the basics and learn all the rules followed by successful investors. You can do this. The presentation is available for purchase from Scribd https://www.scribd.com/doc/241726833/The-12-Golden-Rules-of-Investing
Just the straight facts about raising the minimum wage. There are a lot of myths and frankly misinformation out there about increasing the federal minimum wage in the United States. This presentation just provides some facts about the issue for you to consider.
Ever wonder how people manage to become millionaires? Hint most don't inherit wealth, most don't life a lifestyle that is beyond their means. Play the Millionaire Game and learn the secrets of the rich and almost rich.
This presentation covers the credit card business and highlights the many different types of credit cards available, how credit cards are processed and the major credit card issuers.
A concise overview of the retail banking business in the United States. Part of a continuing series of presentations on the financial services industry.
Mortgage Banking Seminar is part of the continuing series of training presentations for the Financial Services Industry. Check out our other presentations in this series and contact Saunders Learning Group if you have training needs. We can help, we have been doing training in the financial services industry for 30 years.
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
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.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
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.
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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
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
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
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how can I sell pi coins after successfully completing KYC
Why You Should Invest in Securities
1. Financial Services Industry Training
Why Invest in Securities?
Chapter Two – Figuring Out Wall Street
Your Guide to Savings and Investing
Saunders Learning Group, LLC
Saunders Learning Group, LLC, Andover, KS
2. Training from Saunders Learning Group
Saunders Learning Group provides a variety
of training programs, workshops and
seminars targeted to the financial services
industry.
Programs are available in a wide range of
topics, and we are specialists in developing
custom programs that are targeted to your
needs.
Contact the founder, Floyd Saunders at
316-680-6482 or at
floyd@floydsaunders.com for more
information.
Saunders Learning Group, LLC, Andover, KS
1
3. All About Figuring Out Wall Street ...
Everything has changed in the financial services industry and it effects your
financial well-being.
From bank failures, to record unemployment, home foreclosures and panic
around the world, Figuring Out Wall Street, is the concise guide to help
everyone from first time investors to veterans of banking understand what
to do to persevere and restore our faith in our financial systems.
The materials in this presentation is taken from Chapter 2 of Figuring Out Wall Street
Saunders Learning Group, LLC, Andover, KS 2
4. First Time Investing
The first time you make a decision
you invest your hard earned money
you may not be sure of where to
start.
Investing can be confusing and risky
With an overview of how to get
started investing and understanding
the difference between savings and
investing will get you going in the
right direction.
Saunders Learning Group, LLC, Andover, KS 3
5. Investing vs. Savings
Investing Savings
Money in a piggy bank does
Higher earnings are possible with not earn interest.
investment products, but each
contain a degree of risk. The right Safest investments - you know your
approach is a balance between rate of return.
savings and investing. —Money Market Funds
Higher potential investments —Savings accounts and certificates of
include… deposit.
Municipal bonds. —U.S. savings bonds.
Corporate bonds.
—United States treasury bills.
Preferred stocks, utility stocks
or common stocks. Right if you are not willing to take risk and
Mutual funds. enjoy the assurance of federal protection for
Real estate rental property. your money.
Bank savings account are insured by
the FDIC.
Saunders Learning Group, LLC, Andover, KS 4
subtitle date
6. How Taxes and Inflation Affect You
Simple assumptions:
• you have $100,000 to investment.
• real growth rate of the economy
over the last 35 years is 3% per year
(after discounting for inflation).
• Taxes take 25% of your earnings.
• Take 3% in real income, add 4.7% in
inflation for a total return of 7.7%,
or $7,700 in historical income and/or
asset appreciation.
• Take off 25% taxes of $1,925,
• Growth actually equals $1,075..
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7. How Taxes and Inflation Affect You
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8. Stocks Bonds or a Mix of Investments
Comparing returns from 1926 to 2010
Average return if 100% invested in short-term savings and bonds
Compared to a balanced mix of investments equals about 8%
Saunders Learning Group, LLC, Andover, KS 7
9. Personal Investing Steps
1. Determine where you are financially
2. Set your financial/investment goals
3. Develop a plan
4. Understand investment vehicles
5. Develop an investment strategy
6. Implement your strategy
7. Monitor your investments
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10. Step 1: Determine Where You Are Financially
Net worth = what’s left after you subtract your liabilities from your assets
Analyzing Your Cash Flow will:
• Indicate your ability to save
• Let you size up your standard of living
• Indicate if you're living within or
beyond your means
• Highlight problem areas
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11. How do you stack up?
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10
12. Performing a Financial Checkup
Work to balance your budget.
• Do you regularly spend more than you make?
Pay off high interest credit card debt first.
Obtain adequate insurance protection.
Start an emergency fund you can access quickly.
• Three to nine months of living expenses.
Have access to other sources of cash for emergencies.
• A line of credit is a short-term loan approved before the money is needed.
• Cash advance on your credit card.
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13. Step 2: Setting Investment Goals
Financial goals should be specific and measurable.
They should be tailored to your financial needs
and what you want to accomplish.
To develop your goals ask yourself..
What will you use the money for?
How much will you need for your goals?
How will you obtain the money?
How long will it take you to obtain the money?
How much risk are you willing to assume in an investment program?
Considering your economic circumstances, are your investment goals
reasonable?
Are you willing to make sacrifices such as reducing current consumption,
to insure you meet your investment goals?
What will the consequences be if you don’t reach your investment goals?
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14. What are Your Goals?
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15. Matching goals to investments
Here are some typical investments suitable for three sample goals
Contingency or College funding for College funding for
emergency fund: a 16-year-old: A a 2-year-old:
money market fund mix of stocks (20- common stock
30% and bonds (70- portfolio
80%) maturing in 2-
6 years
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16. Your Time Investment Horizon
The length of time that you have to reach your goal is considered by many advisors as the most
important factor in determining which type of investment is best suited to meet that goal.
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17. Step 3: A Personal Investment Plan
Create your
personal
investment
profile
Continue to evaluate
your investment Getting Money to
program. Start Investing
List different
Choose at least investments you
two different want to
investments. evaluate.
Reduce possible Evaluate risk
investments to a and potential
reasonable return for each.
number.
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18. Your Personal Investment Profile
Shaped by:
Your age and the stage in your career
Your need for liquidity
The size of your portfolio
Your cash flow needs
Your income tax bracket
Your required rate of return
Your risk tolerance
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19. Getting Money to Start Investing
Pay yourself first.
Take advantage of employer-
sponsored
retirement programs.
Participate in elective savings
programs.
Payroll deduction or electronic
transfer.
Make extra effort to save one or two
months each year.
Take advantage of gifts, inheritances,
and windfalls.
Consider a second job
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20. Start Early With Compound Interest
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21. Five Components of Risk
Inflation risk Interest rate Business Market risk - Global
- during risk - you failure risk - prices investment
periods of may invest in affects stocks fluctuate risk - changes
high inflation a bond at a and because of in currency
your lower rate, corporate behaviors of affect the
investment and then bonds. investors. return on
return may interest rates your
not keep go up. investment.
pace with
the inflation
rate.
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23. Cash is not an Investment
Money in a piggy bank does not earn interest.
Safest investments - you know your rate of return.
Savings accounts and certificates of deposit.
U.S. savings bonds.
United States treasury bills.
Suitable for short-term needs and emergency funds
Higher potential income investments include…
Municipal bonds.
Corporate bonds.
Preferred stocks, utility stocks
or common stocks.
Mutual funds.
Real estate rental property.
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24. Investing in Stock
Stock or equity financing.
Equity capital is provided by
stockholders, who buy shares of a
company’s stock.
Stockholders are owners and share in
the success of the company.
A corporation is not required to repay
the money obtained from the sale of
stock.
They are under no legal obligation to
pay dividends to stockholders. They
may instead retain all or part of
earnings.
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25. Classification of Stock Investments
Blue chip stock
• Generally attracts conservative investors.
• Strongest and most respected companies, such as General Electric.
Income stock
• Pays higher than average dividends from a steady source of income, such as a
utility stock.
Growth stocks
• Earn profits above the average profits of all firms in the economy.
• Less than 30% of profits are paid out as dividends, with rest reinvested in the company.
Stock value, and price, should go up.
Cyclical stock
• Follows the business cycle of advances and declines in the economy.
• ex. automobiles, heavy manufacturing, paper, and steel.
Defensive stock
• Remains stable during declines in the economy, and have a history of stable earnings.
Johnson and Johnson and utility stocks are examples.
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26. Classification of Stock Investments (continued)
Large cap stocks Mid cap stocks Small cap Penny stocks
• Issued by a • Issued by a stocks. • New or erratic
corporation that corporation that • Company has companies whose
has a large amount has capitalization capitalization of stock typically sells
of stock between $1 billion $500 million or for less than $1 per
outstanding and a and $5 billion. less. share. Speculative,
large amount of expect to lose
capitalization (5 money as often as
billion +). you make money.
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27. Investing in Bonds
Corporate and government bonds.
A bond is a loan to a corporation, the
federal government, or a municipality.
Bondholders receive periodic interest
payments, and the principal they lent is
repaid at maturity (1-30 years).
Bondholders can keep the bond until
maturity or sell it to another investor
before maturity.
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28. Bonds Types
U.S.
Corporate
government
bonds
securities
Mortgage-
Municipal
backed
bonds
securities
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30. Investing Mutual Funds
Investors’ money is pooled and invested by a professional
fund manager.
You buy shares in the fund.
Provides diversification to reduce risk .
Funds range from conservative
to extremely speculative.
Match your needs with
a fund’s objective.
13-13
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31. Investing in Real Estate
The goal of a real estate investment is to buy a
property and sell it at a profit.
In addition to income
from rentals, investors
can deduct deprecation
and other business
expenses
Location, location, location is important.
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32. Speculative investments
A speculative investment is a high-risk investment made in the hope
of earning a relatively large profit in a short time. Confine your
speculative investing to a small percent of your overall investments
will help reduce risks.
Typical speculative investments
include:
• Antiques and collectibles.
• Call and put options.
• Derivatives.
• Commodities.
• Coins and stamps.
• Precious metals and
gemstones.
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33. Step 5: Develop an Investment Strategy
Your age is one of the most important aspects of creating an investment strategy.
The longer the investment horizon the more time you have to balance positive and negative returns.
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34. Portfolio Management and Asset Allocation
How do you choose the right investment for you? You balance your desired returns vs. risk taken to
get that return.
Over the past 50 years average returns for stocks are 11% a year, T-bills 5% & bonds 4%.
You should compare your returns to the averages.
Asset allocation is the process of spreading your assets among several different types of
investments, usually by percentage, to lessen risk. What asset classes do you want in your portfolio,
and in what combination?
Determine what percent you want in stock, bonds, CDs, and mutual funds based on your time frame
and tolerance for risk.
The asset classes should be as many as possible based on your investment profile.
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35. Step 6: Implement Your Strategy
• Implementing your strategy
involves three issues :
• How to Buy - Advisors
• What to buy - Fundamentals
• When to Buy – Technical Analysis
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36. Your Five Options When Buying
Investments
Through an investment advisor or financial planner
Through broker (either full-service or discount)
Through a professional money manager
Through mutual fund
Through an insurance company
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37. When to Buy
You can use dollar cost averaging strategy to decide when to buy
Let’s say you have $ 2,000 to invest. Using dollar cost averaging, you do
not invest all your money at once; instead, you invest $500 per month for
four months.
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38. Advantage of Dollar Cost Averaging
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39. Step 7: Monitor Your Progress
• Here are the general questions to ask:
• Have your financial goals stayed the same?
• Are you meeting your budget?
• Are you earning the investment rates of return you anticipated?
• To what degree is inflation affecting your finances?
• Has your tax situation changed?
Once you implemented your investment strategy, you need to monitor your investment
ensure that they remain appropriate for your financial goals. While you should generally try
to avoid frequent changes to your investments, you should at least annually assess your
investment’s performance to see that it meets your expectations.
Saunders Learning Group, LLC, Andover, KS
41. Summary of Book
Figuring Out Wall Street Consumer’s Guide
To Financial Markets
By Floyd Saunders
Publisher: Saunders Learning Group
ISBN: 978-0-9824019-0-3
available from Amazon, B&N, and
http://www.figuringout wallstreet.com
or www.floydsaunders.com
Author Contact
email: floyd@floydsaunders.com
Blog: www/money/floydsaunders.com
Twitter @floydsaunders
Facebook: Figuring Out Wall Street
Sideshare: http://www.slideshare.net/FloydSaunders
Book summary: From bank failures to home foreclosures and panic around the
world, Figuring Out Wall Street, is the concise guide to help everyone understand
how this latest crisis happened, who was responsible and what to do now to
restore our financial systems. Written in an easy to understand manner, even the
most complex financial concepts are easy to digest. This book provides help to
monitor investments with a review of investment products, financial regulators
and economic indicators. Learn how the stock market exchanges work and the
world of investment banking, hedge funds, venture capital and private equity.
Every chapter includes action plans for investing.
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42. About the Author
Floyd Saunders has worked on Wall
Street with both Bank of America and
JPMorgan, where is was a vice
president in global financial systems.
He has worked across the industry in
retail, commercial, and investment
banking.
He has taught courses in Money and
Banking and extensively for the
American Institute of Banking and
various colleges.
As a consultant, he developed and
taught a wide range of banking and
investing courses.
He authored three programs for the
American Bankers Association: Banking
on Mutual Funds and Annuities,
Introduction to Securities Markets and
Investing in Securities.
Saunders Learning Group, LLC, Andover, KS
date
Editor's Notes
There are two facts of life we can’t escape: Taxes and inflation reduce the real actual returns you have from savings or investing.If you are getting 2% or less in a savings account, money market fund, or certificate of deposit you are barely keeping even.We take 3% in real income, add 4.7% in inflation for total return of 7.7%, or $7,700 in historical income and/or asset appreciation.Take off 25% taxes of $1,925, and we are keeping 75% of the income, or $5,775. the 7.7% return when we add inflation and real growth together, is about equal to the blended stock and bond return over the last 35 years for the average investor. Except... that last bar on the right is a bit troubling. we still have $3,000 in real economic growth - but now our share of that growth is only $1,075. Meaning that we are only keeping 36% of economic growth, and the government is taking a full 64% of the real growth in the economy through taxes. The remaining $4,700 wasn't growth or income at all, but merely keeping up with inflation, keeping up with that steady and never-ending slide in the value of what a dollar will buy. If we remove the real growth component and look at inflation only, then your asset is now worth $104,700, but the dollar is only worth 95 cents, so in real terms, you still have a $100,000 asset.
This is the example of Jane who started saving $1,000 per month and earned an hypothetical 8% rate of return. At age 65, Jane has $3.5 million to retire on. Gary started 10 years later, saving the same $1,000 per month @8% and had half as much at age 65.