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| Total Unique Visitors: 60679 |
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| Total Visitors Out: 1175 |
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| Day trading or stock trading explained |
| 2008-07-24 02:59:00 |
Those who are the readers of my article are well aware about I am totally against stock trading or day trading. It is because of the following reasons. As I explained in my various articles, we can find two types of people dealing with stock markets. First one is stock investors and later is stock traders. An investor should be aware about the meaning of both investing styles and need to select proper path to build wealth. Please read the below article carefully:Day trading as know as stock trading is nothing but deal with a small period of time. Stock traders buy stock and immediately sell the stock after an hour or couple of hours. They are mainly using the technique called techni...
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| What are the reasons behind huge stock market fall |
| 2008-07-21 03:06:00 |
All of we are aware about the fluctuations in the stock markets. Stock markets should have fluctuations to throw up buying and selling opportunities to investors. A continuous growing index never give you better buy or sell opportunities. But, what are the possible reasons behind huge market falls? This article revealing such major factors, that can affect a market at any time and can give huge lose to investors if not acting properly. Keep reading..1. Inflation : The most dreadful and dangerous reason behind any stock market fall. Raising prices for all the available resources will increase the production costs and thus will affect companies profit an...
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| Calculating inflation adjusted future expense amount |
| 2008-07-19 11:13:00 |
All of us are worry about inflation. Inflation can not only raise the cost but also able to drag down your living standard to pit holes. In a best investment plan or financial plan, a financial advisor or an investment consultant should be able to calculate the future possible inflation rates and advise investments that able to beat inflation as well as provide inflation adjusted returns to his or her client after certain years.As an individual, we should have well idea about how calculate our inflation adjusted expense in the future. If the present expense is 10,000 per month in any currency with present inflation rates but, in the future, say after 15 or 20 years, an expected inflation of 5% or 7%, then how can you ca...
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| How to invest in the market |
| 2008-07-16 11:33:00 |
There are lots of doubts on the subject issue. Most of the question I faced from new investors who is very newbie to investing but want to invest in stocks. Daily newses on the down market and fair valuation of best companies attracting lots of new investors to invest in stock market. Most of them have doubt to where they can start and how they buy shares from the stock market. "How to invest in stock market?" is the question from them as the result of this thought. Below is the possible way to invest in stock market for newbies.1. Open an online trading account and start purchase and sell shares. (Opening an off-line account also will do to those who doesn't have internet facility. But, each time you have to call the brok...
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| Fail proof investing principles of Warren Buffet |
| 2008-07-11 09:08:00 |
There is only one word in the investment world to show the power of success. Warren Buffett!. His passion, learnings as a student to value investment legend Benjamin Graham and self developed fail proof investing principles enabled him to reach in the maximum height of success. Today he knew as the most successful value investor as well as second richest person in the world. His principles and advices are invaluable treasures for value investors. There are lots to learn from his professional and personal life. Below are the golden points where he trusted wholly as a most successful investment career, certainly help us to be a successful value investor. Take it!!1. Choose Simplicity ...
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| Simplifying Benjamin Graham's famous "Margin of Safety" formula |
| 2008-07-03 10:48:00 |
Margin of safety is a formula to identify the difference between company value and price. If value and price are equal, the stock price considered as fairly valued. If price is more than the value, then you can assume that the stock is overprices. If price is less than value, this is a good buy because there is lots of room available for better profit in the future. All are correct. But, hoe do you find out the value and price? That is the question. This is a magic formula from legend investor Benjamin Graham with success stories from another legend Warren Buffett. find the magic below:In the “Intelligent Investor”, Benjamin Graham describes a formula he used to value stocks. He disregarded complicated calculations and kept his formula simple. In his ...
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| Build a simple effective portfolio with low savings |
| 2008-06-26 02:14:00 |
Money will never come as bulk. But, no enormous effort required making bulk money. The only requirements are correct idea and disciplined approach. I have indented this article to those who have very less savings each month but want to build a solid portfolio for long term. This idea included all required factors like goal, risk profile, age and balancing.There are belief and complaints from people who has very less savings in the month that, they don’t have enough money to invest to build a core portfolio. That is an entirely wrong thought. This belief coming from the grate myth, an investor required plenty of money to start investing and build portfolio. Even an ordinary person with very limited monthly savings can build a very effective and solid p...
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| Stock research and valuation – important factors to consider |
| 2008-06-23 11:24:00 |
Through this article, I am not providing any analysis methods or ratio calculation formula to valuate a company or stock. This is the very basic ideas but, most important for an investor to start valuation on a company to decide whether the stock is good to invest or not. The intention behind this article is the huge queries receiving from newbie and experienced investors asking the valuation factors and step by step guidance. Please read further below:Before proceeding with any action, one should understand what he doing and what is the goal. The same theory applicable to here also, when you valuating a stock. Investor should have enough knowledge about required factors to valuate and ...
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| Investments to beat inflation |
| 2008-06-21 09:42:00 |
There are huge concerns and queries from various investors on rising inflation rates. People largely worried about the value of their investments because of the inflation. Most of these investors are in search to find a fail proof solution for there portfolio to give them handsome returns to meet inflation. Yes. An intelligent investor can add such instruments to his portfolio in various forms to shield him against inflation. Below are the best investment instruments to meet these requirements:A well formed financial plan should contain considerable part of investment instruments able to provide very good returns from long run to meet any inflation. A good financial planner should be able to identify the possible ...
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| Most required qualities for an insurance advisor |
| 2008-06-20 10:48:00 |
Being an insurance advisor is not a big task. Each Business Development Manager has target to appoint number of advisors under him. If you want to be one, you can approach him directly. But, after being an advisor, not take this profession as a license to cheat people for selfish gains. Customers should be aware to identify the required qualities of a good insurance advisor to avoid traps. Below are some good qualities a perfect advisor should have.1. Honesty - Honesty is the most important quality among others. An advisor should be able to present the advantages and disadvantages of a product that he is selling. He should make the customer aware about the profit and possible impacts of the product for short term and long term. The naked truth is, most ...
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| Practice money management intelligently |
| 2008-06-18 07:43:00 |
There are lots of methods available to get full value to your money. I mean, if your money sitting ideally, you can use the same to get interest for the time being as well as utilize your money in a systematic and disciplined way. Below are some intelligent money managementmethods for your attention and practice. It is not limited too but, this could be helpful to you to identify such methods when you dealing with various components. Read some useful tips below:When dealing with mutual fund SIP (Systematic Investment Plan)Systematic Investment Plan is the thumb rule and the disciplined method to invest with mutual funds. This is the recommended path to get maximum benefit as well as ...
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| Financial Planning considerations |
| 2008-06-17 10:13:00 |
When planning your finance, a good financial planner will ask all some questions. From your answer, he will be able to identify your self, your goals, your financial status, your risk profile, goals etc. Truthful information to the financial planner is must required for him to plan your finance in a well structured manner. Below are the information about the possible information he ask as well as the considerations required when planning finance.1. Your major goals – This is the major part of financial planning . Because your financial planning happening to attain the same. Any calculations or planning will go primarily on this goal. This can be a pension plan, marriage or higher study of your kids etc…2. Present...
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| Spot coward investors around you |
| 2008-06-16 11:02:00 |
The word investment has lots of meaning depends on people. A day trader and a long term investor can say that he is an investor. Warren Buffet is one of the best examples for a successful investor. What is investment? Setting a goal and upon the risk profile, selecting a proper investment that provides enough returns in a period of time. The two must have qualities of an investor is, patience and long term focus. By selecting the proper investment through rigorous research, he will hold the same and using his patience to wait till the instrument reaches to full value to get him/her proper returns.Coward investors are not at all aware about the basic qualities a good investor required. In other word, they are giving little importance or not know what th...
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| Decoding Max NewYork ULIP insurance plan |
| 2008-06-15 12:00:00 |
Life maker ULIP is a product from famous Indian insurance company Max New York. I am decoding the advantages and disadvantages of the same here to help ULIP buyers to identify the feature. The scenario mentioned in this article required your attention and contact the company to clarify the same if you would like. You are required to understand the fund performance for at least last 5 years and also required to compare the same with its given bench mark to understand the performance.Age of EntryAny age between 91 days to 65 years (maximum issue age is 50 years with Dread Disease rider and 55 years with PAB rider)Premium Payment Term:Regular Pay - Equal to Policy TermLimited Pay - 5/10/15 yearsRegular Pay - Pick-a-tenor (10 years to 30 years)Limited Pay ...
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| What make a ULIP different from Mutual funds? |
| 2008-06-12 12:42:00 |
When I deal with ULIP, there is a common question I am facing from my friends, colleagues and others. What are the difference between ULIP and a mutual fund? A common myth is, ULIP is very costly and mutual funds are less costly and both are working similar way. This is true. I agree. But compare with mutual funds, ULIP has its own advantages. Following are some highlighted features ULIP have over mutual funds.1. Unique two in one facility: The very first and most important advantage of a ULIP product is, it’s ability to provide life insurance as well as disciplined investment opportunity to an investor. ULIP is a two in one product packed with life insurance coverage and investment exposure.Mutual funds giving you a pure investment opportunity but, no i...
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| Magic of Systematic Investment Plan (SIP) |
| 2008-06-10 03:50:00 |
A famous thumbnail of mutual fund investing is, invest through Systematic Investment Plan instead of Single contribution. Through systematic investment plan, an investor reduces his capital loss risk as well as being a disciplined investor fro long term run. Today, with this article, I am providing you some very good qualities of SIP and the benefits of investor who using SIP approach. 1. Through SIP, an investor investing a fixed amount in each month to a particular equity fund. This will make him a disciplined investor as well as regular investment in equity for very good returns from long run.2. Using systematic investment plan, a regular investment amount will transfer fro your account to purchase equity funds...
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| Decoding complex insurance product ULIP |
| 2008-06-07 04:56:00 |
In this article I am intending to decode the complexity part where it is lying with a ULIP product. As both of aware that the ULIP product is complex one but it is a good product if you select one properly considering all required factors by your own research. Due to the unawareness about the product and because of mis-selling by agents, lots of people cheated by losing there money. As I said in my previous articles, profit minded and crooked agents are the curse in this area.To refresh your mind, ULIP policy selection required your total attention to two parts. Costs and performance. If a ULIP suitable to select based on its performance and costs, your responsibility is not at all end. The mistake happening from people is, most of them interested to com...
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| Prerequisites for Mutual Fund investments |
| 2008-06-06 10:17:00 |
Mutual funds are the best investing avenue to those who are not interested to enter direct equity investing. Like common stock or share investments, mutual funds also not avoiding the risk of losing money. Prior to do any investments, an investor should analyze the possibilities and risks associated with targeted investment instruments. Using the guidelines below, originally provided by Securities and Exchange Board of India, a mutual fund investor should look into some factors before investing.Before commit any investment in any mutual fund products, an investors should ask the offer documents as well as key information memorandum to know more about the scheme. Mutual funds also riskier like direct stock investments bu...
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| Best practices from Wise Investors |
| 2008-06-05 05:19:00 |
Investment world are very vast. To be a wise investor, you don’t required to be a highly educated or millionaire individual. Common sense is the only requirements to select good investments and to be a successful investor. In this article, I am providing the best practices from wise and successful investors using their commonsense, to help those who are entering to the investment world.There are some good and must practices required using your ordinary brain to succeed. Whatever and wherever the investment instruments to be, stocks, mutual funds, debt instruments, whatever it is, there are some guidelines each individual should follow and have some best practices as part of life. Below are some but not limited to, to help you to identify and follow:Ob...
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| Ayurveda for young investors |
| 2008-06-04 09:34:00 |
Nice title isn’t it? Why? Ayurveda is a traditional treatment using natural resources other than chemicals to cure the diseases. In the world of investment, lots of chemicals available to cure the investment money but all of those have side effects. A young investor who is entering to the investment world is better to follow the Ayurveda path because it will cure the disease completely but slowly. Like this, investment required to have patience to grow your money completely to 100%.Each new stock investor should understand and follow some essential steps to reach to success. Below are some guidelines for these investors should follow to be a successful investor.1. Before investing, understand what you are doing and where you are going. If you travel,...
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| Options to select mutual fund returns |
| 2008-05-29 03:47:00 |
There are lots of doubts from people about the various options available to select the returns availability. While filling the form to apply for a mutual fund, you have to select one option from the group of Growth, Dividend and Dividend re-investment options. One doesn’t have exact idea bout how this work, cannot select the proper option. Selecting this option required little thinking to get your returns. Below are a detailed information and requirement of selecting each option.When mutual fund house starts a fund, a subscriber can opt any of these three option. If you monitoring any mutual funds with the websites dedicated to mutual funds, give the name of a mutual fund, you will get two entries of same mutual fund. One...
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| Two Trading Accounts with different brokerage firms. Is it legal or illegal? |
| 2008-05-28 01:26:00 |
Most of the time people have doubt on the subject. They might have two account and keen to know the legal possibilities on the same. This article providing the available best answer to this doubt.Having two trading accounts with different brokerage firm is not illegal. Decision on opening multiple account is entirely to you. Nothing can prevent you on that. The only problem after opening multiple trading account, you have to pay the fixed annual maintenance charge to the broker. TO avoid this, get the benefit from the competitions in this field. Most of the brokerage firm allow its customers to open an account by pay...
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| All about stock trading and stock investing |
| 2008-05-27 02:31:00 |
I am continuously receiving queries from friends, colleagues regarding the difference and possibility with both stock trading and stock investing. This article intended to those who are newbie’s to direct equity market and to have a basic idea before start investing or trading.There are two types of investors. One is, a stock trader and the second is stock investor.A stock trader always interested on short term profit by buying and selling shares in a very short period of time, may in the same day. Their work and action entirely depends on speculations. In other words, short time trading doesn’t have more differences from gambling because both are different forms of speculations. St...
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| Disciplined investment approach for a mutual fund investor |
| 2008-05-25 11:34:00 |
I have found lots of mutual fund investors are not aware about the proper investment methods to leverage maximum profit from this good investment product. The case studies on financial planning before the recommendations shows that people investing bulk money to the mutual fund at a single time.Investing large amount to mutual fund at a single time will not give the required result. It is because, the product is entirely depends on the stock market and knowledge on the peak and low of stock market is required by a Mutual fund investor when doing bulk cash investment at single time. If you know the timings well, then why you want to go to mutual funds? You can invest in equity directly...
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| Criteria to select an online stock trading or investment account with a stock broker |
| 2008-05-24 10:16:00 |
I am receiving lots of enquiries as well as found questions from users to get the details of best on line trading account and good brokers in different places.The basic intention to ask the question is they have no idea to what they want to do for open an account but, have good interest on investment. Because of less time, nowadays people prefer online accounts to start their stock trading. There are reasons, it is handy as well as you can use whenever you are free. The only requirement is an internet connection with enough speed. In these days, internet speed is not an issue.Whenever raising the question to know abo...
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| Stock investment through different channels depends on investors knowledge and risk profile |
| 2008-05-21 12:26:00 |
I have receiving lots of inquiries to provide the possible information about to start stock investing. Most of these queries coming from those who are newbie’s or not at all aware anything about stocks or stock market and how it is working. Because of the huge profit possibilities, the number of people entering directly to stock trading without any knowledge is increasing day by day. This is not at all recommended. The reason for the same is, direct equity investment required enough knowledge about stock market, stocks and how it is valuating. Without swimming, who will jump to a sea?Click on the heading to read more....... In this article I am providing the necessary information t...
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| Simple investment portfolio strategy for persons from different risk profile |
| 2008-05-16 12:30:00 |
Today I am saying you about the strategy each person have to have when preparing there portfolio as the part of their financial plan. Risk assessment is the major part of portfolio planning and that is the base to decide how and where a person should invest to build his investment portfolio. In this article I am bypassing the other required factors in a portfolio construction like age, financial back ground and investment horizon.To ease the complication and understand the same well, I am classifying the investor to three groups as per their different risk taking capacity. Aggressive, moderate and conservative. The method and model portfolio mentioned in this article have a time h...
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| Tapping ULIP investment profit possibilities |
| 2008-05-14 10:33:00 |
Today, I am giving you an awareness section about tapping maximum profit from ULIP investment that one can make as an investment instrument and also a tax saving instrument.ULIP is double edged sword equipped with Insurance and investment vehicles. It will not only provide you the opportunity to get equity investment exposure but also, cover you from life incidents using insurance.Good to hear. But there is a trap in this. Some ULIP provide insurance cover like this: 1 year premium x 30 times. If a person taking a policy with 50k per annually, his insurance cover will be 50k x 30 = 1500000/- Did you ever think about the mortality charges side for this amount? Assume the mortality charge per 1000 per month is 0.083%, th...
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| Step by step financial planning |
| 2008-05-06 11:30:00 |
The word financial planning has vast meaning. Different people can interpret the same in different style. Proper financial planning has a simple meaning that a person should not run out of money whenever a present or future requirement occurring to him or family. In India, especially middle class family are not well aware about the requirement of a good financial planning. This will put them in trouble with out of money in some situations once if they had enough money in their hand.Correct financial planning is not a single or simple process. Instead, it involves 3 major phases: Self Assessment, Planning and Execution. I am talking about the must required steps one has to follow to achieve great financial wisdom in h...
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| 5 Golden Rules for Tax Saving |
| 2008-05-04 09:59:00 |
Just as rules are important for good living so also there are some golden rules of tax planning. The five simple yet effective golden rules of tax planning are:1. Spread the taxable income among various members in your family2. Take full advantage of tax exemptions available under the law3. Take full advantage of permissible tax deductions and rebates available on stipulated tax-saving investments;4. Make optimum use of tax-exempted incomes; and5. Simple tax planning is smart tax planning.Rule 1: Spread Your Income Among Your Family MembersThe first step in tax saving is to adopt the concept of divide and rule. The simple rule is that each family member must have his or her independent source of income so as to legally become an independent tax payer under ...
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| Top 10 Qualities required by a good financial advisor |
| 2008-05-02 11:34:00 |
The major obstacle for an investor is the search to identify a good financial advisor. I am giving you and idea about the personal and career qualities highly required by a good financial advisor to choose him as your own.Personal Qualities1. He should be well qualified and have master knowledge in his area2. He should have considerable experience as a financial advisor with successful performance background.3. He should have a passion to the work and should not be lazy. He should have well idea and knowledge about the services and products available in the market to select the best among them for a customer.4. He should be accessible by a customer at any time.5. A good financial advisor should not be greedy or only profit minded fellow.6. He should hav...
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| Why ULIP investment is a big failure for some investors |
| 2008-04-30 09:09:00 |
Study shows ULIP investments are the best option for those who have a long term investment perspective of more than 10 years. ULIP product not only give you the best long term investment exposure but, it provide a required insurance coverage depends on the policy holder.However, a large number of ULIP investors still failing with the product investment. They either not receiving the required profit or not able to meet the goals. They started with the product with enough long term investment focus, even though the lose was huge. Below are the major reasons why a ULIP product turns to a big loser for such investors.1. Lack of product knowledgeA study clearly shows that 85% of ULIP buyers doesn’t have enough knowledg...
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| 12 golden investment rules each investor should keep in mind |
| 2008-04-27 06:41:00 |
1. Obtain the written documents for the particular prduct that explaining the investment information.2. Read and understand such documents carefully prior to make any investment decisions3. Verify the legitimacy of the investment4. Find out all the costs and possible benefits associated with the investment5. Assess the risk-return profile of the investment to take proper decisin and peace in mind about your money.6. Know the liquidity and safety aspects of the investment to identify the possible traps when trying to sell or quit the product.7. Ascertain if it is appropriate for your specific goals. You should have a specific goal befor making any investment and should be well aware about the possibility to attain those goals with the present investment...
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| Equity Exposure through investing in Index Funds |
| 2008-04-26 09:51:00 |
If you are a laggard in direct equity investing even though you want to invest in equity, this is the best idea for you. Invest through Index funds. Direct equity investment required lots of time and research to find out good candidate to buy there stocks. In present days, most of the people doesn’t have enough knowledge to invest in equity but they are investing equity by hearing the tips from others or depends on any news’s. At last, this action will lead them to heavy lose of their capital. If you are direct equity investment laggard, investing through index fund is the best option for you. Before starting to search and investing through Index funds, you should have the minimum...
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| Wisdom from Ben Miller |
| 2008-04-23 12:01:00 |
Ben Miller is an investment guru and value investor. Below are the word of wisdom from him that will help you as an investor to be a best and successful value investor.1. I often remind our analysts that 100% of the information you have about a company represents the past, and 100% of a stock’s valuation depends on the future.2. The market does reflect the available information, as the professors tell us. But, jut as the funhouse mirrors don’t always accurately reflect your weight, the markets don’t always accurately reflect that information. Usually they are too pessimistic when it’s bad, and too optimistic when it’s good.3. What we try to do is take advantage of errors other make, usually because they are too short-term oriented, or they react ...
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| Comparing mediclaim policy - the factors to be considered |
| 2008-04-17 07:28:00 |
We all know that our health is the most important thing that we can ever have. Losing ones health could at times be worse than losing one’s life, sentiments shared by many a sick individual, and by almost every ailing person whose finance might not cover his sickness. Mediclaim policies are your best friend and an integral part of an investors portfolio to cover the major money losing loophole. Little knowledge and patience can lead you to making an investment that will help you cover your biggest asset. Health. Knowing to compare the policies from various companies would enable you to identify the correct product in right time.While deciding your portfolio making, it is a major part to consider how you can deal with the situations that cost you money. Cost for medical treatments to self...
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| Understand your risk profile and advisable investment proportion |
| 2008-04-15 09:34:00 |
Understanding your risk profile is the important part for an investor before making any investment decisions. Proper understanding of risk appetite enable one to choose correct investment products that suitable to his risk profile. Entering to investment world blindly, will cause you lose as well as pains if not getting your expected results. For example and average investor with who is conservative and not willing to suffer any lose from the investment should not select 90% of his investments in equity. Else, he has to choose more guaranteed debt investments for his portfolio. Once you have found the answer for how much risk you can take and confident on that, second part is the investment product selection. There is a truth in investment world, those...
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| How to balance a portfolio with magic of maths |
| 2008-04-14 07:28:00 |
Everybody in the investing world probably heard the must requirement of portfolio balancing depends on your age. Balancing your portfolio between equity and debt investment instruments entirely depends on the Golden Investment Balancing Rule, “Reducing your age from 100 and have the resulted percentage in equity and rest in debt instruments”. For example, if your age is 25. Subtracting 25 from 100 will give you 75. In your case, your portfolio should have 75% of equity exposure and 25% in debt instruments. I agree.But there is a hidden and difficult part if you look deep inside to this balancing formula. Before saying the same, you should know what the exact result the rule makers intend to give by this rule.By this rule, someone should balance ther...
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| Simple and perfect Wealth Building Strategies |
| 2008-04-12 09:36:00 |
Building wealth is a long term process through saving money in a proper proportion to proper investment instruments. You can have great wealth saving your money in a disciplinary way using determination, passion to reach your goal. Below are some strategies a person required while deciding to build wealth for a long term rum.1. Pay your bills properly. To build wealth, it is a must requirement that you should be free from all the debt by properly paying your bills. If you do not set aside money before you start paying your bills, chances are you will never save any many after you pay these same bills. Maximize your contribution to 401k if you are able, especially if your employer mat...
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| Strategies for Intelligent investment in Mutual Funds |
| 2008-04-10 07:50:00 |
Mutual funds are the best friend for an investment focused person which is giving professional management to his money and better profit in long run. Thos who are not having enough time to study, research for a direct stock investment, can certainly opt the path of mutual fund to build a better investment portfolio.Below are some guidance and steps for a mutual fund investor to be aware before making any investments with any mutual fund products.1. Identifying your goal is most important prior to build an investment portfolio.2. Identify the risk level you can bear.3. Always use SIP (Systematic Investment Plan) to build mutual fund portfolio. An SIP enable you to manage your money properly and providing security from fl...
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