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5 Things To Know About The Stock Market
50% Of U.S. Households Invest In The Stock Market
Individuals invest in the stock market directly, through mutual funds, their pension plans, profit sharing plans, 401k's, IRA's, etc.
Mutual Funds Dominate The Market
It is mainly the...
Funding Your Retirement: The 401K and 403B Way
Saving for your retirement doesn't have to be a nightmare as long as you are aware of your options. For now, we're focusing on 401K and 403B retirement plans. These two plans are essentially the same except that for-profit companies use 401Ks and...
How we eluded the bear in 2000
The date October 13, 2000 will forever be embedded in my mind. It was the day after our mutual fund trend tracking indicator had broken its long-term trend line and I sold 100% of my clients’ invested positions (and my own) and moved the...
Making Outsized Returns in the Stock Market - Using the Dow Theory
The Dow Theory
Charles H. Dow
Robert Rhea
E. George Schaefer
Richard Russell
The Dow Theory Today
Charles H. Dow
It is interesting and amazing to note that not until Charles Dow started compiling the Dow Jones Industrial and...
Risk and Reward Investing
If you are doing your own investing in the stock market, what would be the first question you would ask yourself before you make any trade or investment? If your answer is how fundamentally sound the stock is, or whether the stock just broke out of...
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Different Kinds Of Investments
These days, you can't retire without using the returns from
investments. You can't count on your social security checks to
cover your expenses when you retire. It's barely enough for
people who are receiving it now to have food, shelter and
utilities. That doesn't account for any care you may need or in
the even that you need to take advantage of such funds much
earlier in life. It is important to have your own financial
plan. There are many kinds of investments you can make that will
make your life much easier down the road.
The following are brief descriptions for beginning investors to
familiarize themselves with different kinds of investment
options:
401K Plans
The easiest and most popular kind of investment is a 401K plan.
This is due to the fact that most jobs offer this savings
program where the money can be automatically deducted from your
payroll check and you never realize it is missing.
Life Insurance
Life Insurance policies are another kind of investment that is
fairly popular. It is a way to ensure income for your family
when you die. It allows you a sense of security and provides a
valuable tax deduction.
Stocks
Stocks are a unique kind of investment because they allow you to
take partial ownership in a company. Because of this, the
returns are potentially bigger and they have a history of being
a wise way to invest your money.
Bonds
A bond is basically a promise note from the government or a
private company. You agree to give them a set amount of money as
a loan and they keep it for a set number of years with a
predetermined
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amount of interest. This is typically a safe bet
and one that is a good investment for a first time investor
because there is little risk of losing your money.
Mutual Funds
Mutual funds are a kind of investment that are based on the
gains and losses of a shareholder. Basically one person manages
the money of several or many investors and invests in a list of
various stocks to lessen the effect of any losses that may occur.
Money Market Funds
A good short-term investment is a Money Market Fund. With this
kind of investment you can earn interest as an independent
shareholder.
Annuities
If you are interested in tax-deferred income, then annuities may
be the right kind of investment for you. This is an agreement
between you and the insurer. It works to produce income for you
and protect your earning potential.
Brokered Certificates of Deposit (CDs)
CDs are a kind of investment where you deposit money for a set
amount of time. The good thing about CDs is that you can take
the money out at any time without paying a penalty fee. We all
know life isn't predictable, so this is a nice feature to have
in your option.
Real Estate
Real Estate is a tangible kind of investment. It includes your
land and anything permanently attached to your piece of
property. This may include your home, rental properties, your
company or empty pieces of land. Real estate is typically a
smart and can make you a lot of money over time
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Find more information at: Investment Resources
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