How to Improve Your Chances of Investing Successfully

Investing successfully can be a daunting task for individual investors. There are many factors that make investing today more difficult today than it was in times past, like the amount of available options and the amount of information available about those options. It seems as though each news cycle produces a new hot stock, ETF, or mutual fund to follow while discarding the old, tired ones in the same cycle.

This sort of media production makes investing for the long term seem outdated. However, long-term investing still offers potential rewards for those who can block out the volume of investment information that comes their way. This article presents possible ways to improve your ability to achieve investment success.

1. Block out the media noise. No offense to them, but media outlets are businesses first and foremost. Magazines and newspapers need circulation, and television shows need ratings. How many times have you seen articles about stocks to hold for the next 30 years? If an investment show or magazine provided such a list, you would have no need to subscribe or watch the show after you learned what stocks were on it.

Now, what if magazines and televisions shows told you that long-term trading was dead and that they offered some very good stocks each day, week, or month that you could trade? Do you think you would tune in more frequently or keep your magazine subscription? I am not saying that none of the information offered by the shows and magazines is good. I am saying that it is not suitable for those who wish to succeed at investing long term. Daily and weekly fluctuations in a security’s price should have no effect on a long-term investor’s perspective. That’s the stuff of day traders and swing traders. It is best to leave it for them.

2. Clearly lay out your long-term goals. Determine where you want to be financially and what you are trying to achieve. Let every investment decision be based on whether it will increase the likelihood of reaching your long-term objectives. Literally ask yourself, “Does this investment have the potential to move me toward my financial goal, or does it unduly jeopardize my chances?” If you cannot answer affirmatively with certainty, then, move on to the next security or make no move at all.

3. Do not chase after returns. Hot stocks come and go, but a well-designed plan that suits you can remain for the long haul. For long-term investors, slow and steady often wins the race. Stick to your very clear plan and do not deviate from it without good reason (Remember: Short-term gains are never good reasons to change your long-term plan). If you cannot resist trading for gain, set up a separate small account that has no impact on your long-term investing.

4. Be mentally prepared for market corrections and crashes along the way. The best time to prepare for critical periods in the market is when the going is easy. If you purchased ETFs and mutual funds at great values when the market and prices were soaring, would not those same offerings have great value when the entire market and prices were down? It seems counterintuitive, but downturns are frequently not the time to panic. They can often be the time to grit your teeth and catch the sale prices that you see all around you.

5. Avoid trying to time the market. What may appear to be a top or bottom could evaporate in the blink of an eye and leave you with huge losses or opportunities missed. Let’s assume, though, that you somehow caught lightning in the bottle and timed the market exactly right. Your money is now sidelined. Now, you have to be right about your re-entry point. Do you like your odds of being exactly right two times? The risk really is not worth the reward.

6. Consider working with a financial advisor who can help to keep you level-headed and steadfast to the plan during the market’s inevitable ups and downs. A professional may be able to become a buffer between you and your long-term investment account. He or she may be able to keep you off the investing ledge, so to speak, when you have emotional urges to sell everything during downturns or to go on a buying frenzy when you hear about some great offering that is blowing through new highs each day. Basically, the right advisor may keep you from blowing up your long-term account.

Let’s be clear: Being a long-term investor today seems more difficult than it was it times past. Even a casual observer would note that the current market seems to be more volatile than it used to be. Every week, news media seem to scream loudly about the next big things to invest in and about the dogs of the market to avoid or sell. It can all be maddening.

Of course, none of these steps will actually guarantee that you will succeed at achieving your financial goals. Investing in securities involves risk of loss. Investors should always perform careful examination of any investment offering.

How to Invest Safely and Generate Income for Life

So how do you invest safely and what is the investment strategy? It’s called the Permanent Portfolio. Permanent because it applies from cradle to grave, whether you have modest savings or millions of dollars. Portfolio because it’s a mix of very specific asset classes. It has a proven track record; as of April, 2015 it earned over 8% per year compounded over the last 40 years. It can help You generate an income for life. It’s simpler, safer, less volatile and lower cost investing (0.15% per year cost vs. industry average 1.08% per year). It puts more money in Your pocket and less in theirs.

It’s not meant for speculating, but for Your longer term savings and investments like retirement, 401K, IRA, ROTH, etc. It helps You buy low and sell high; opposite to what most people do. It doesn’t require You to do market timing, forecasting or guessing which asset will outperform. It uses an asset allocation that responds to what is happening with the economy; prosperity, recession, inflation or deflation. It allows You to become self-sufficient and not dependent on outsiders to manage Your own money. You won’t hear about it from investment dealers, brokers, financial advisers or insurance agents because there is no money in it for them.

This Permanent Portfolio helps us mitigate risk. The assets used tend to zig and zag with respect to each other and are contrasting. So as a blended mix they improve portfolio stability. Stability also helps mitigate the sequence of returns risk, which is especially important during the spending or retirement phase. Each asset class is exposed to different risks and also hedge against different risks. You have probably heard of asset correlations; they don’t really exist. Stocks don’t go up because bonds go down and stocks don’t go down because bonds go up. The assets in the Permanent Portfolio behave differently depending on what’s going on with the economy. You can do a financial stress test of a financial institution but you can also do one on Your own portfolio. What would happen to Your portfolio if an asset like stocks dropped by 50%? If You held a traditional 60% / 40% stock / bond portfolio, Your total savings would have dropped 30%. If You held the Permanent Portfolio, your impact would only have been 12.5%. No one likes a loss but the Permanent Portfolio helps mitigate that risk.

Fear and greed were Your worst enemies but not anymore. If You were like most people, You were buying high and selling low. But now You will have a much more disciplined approach to follow without Your emotions getting in the way. You’ll be buying low and selling high, systematically. If You were like most people, You were also too busy chasing returns, trying to time or beat the market. You probably didn’t do as well overall as some of the market indices did; this has been described as the “behavior gap” which the Permanent Portfolio will help you close.

The Permanent Portfolio investment strategy is pretty simple. You initially buy four different but very specific asset classes in equal proportions: in general they are stocks, bonds, cash and gold. You then hold these assets until any one asset class drifts to 35% or 15% of the total value of the portfolio; then you rebalance the whole portfolio back to 25% for each asset class. This process takes the emotions out of the equation and systematically guides you to buy low and sell high. You can construct this portfolio at a weighted average cost of only 0.15% per year, which means you keep the majority of the gains not the financial institutions. The specific assets used in this strategy are what makes this work.

Once you have the Permanent Portfolio in place and progress into your spending or retirement phase, you can mathematically guarantee yourself an income for life using my “Income for Life Formula”. You will be able to spend “x” percentage of Your portfolio each year subject to a “y” percentage cap based upon the previous year’s income. Mathematically guaranteed income for life.

Ways to Find a Conservative Investment Strategy

Most local banks are indulging to take over the investment banking business, and some highly under-leveraged companies have gained a lot and showed maximum growth. These companies are now progressively tapping onto a new investment through equity offerings to subsidize growth plans.

Banks and their mode of operation

A majority of banks serves their customers in the most common sector teams such as Telecommunications, Media, Commodities, Healthcare, Real Estate and Fiscal Institutions. Depending on the requirements of the client, the bank tender services, ranging from Acquisitions to Equity and Financing to share sales. Some of the Bankers get references from customers all the way through their Capital Management Division. This division also handles resources of professionals such as Executive Officers and Business Owners.

Major players in the Sector

The capital raising bankers indulge in selling securities with the intention of raising capital for businesses. On the buying-side, there are other Institutional Buyers, Private Equity Funds, and Hedge Funds. These are mostly in the case of initial public share offering, including the community as an important section. There is an involvement of brokers who finance the public shares to alleviate some threat. Another part is played by rating agencies who have an effect on the cost of the securities sold.

Career Prospects at Global Banks

In some regional banks, individuals are hardly ever paid higher than that of Corporate Finance Bankers. Most qualified graduates struggle for a job, particularly at global banks. Some of them follow their Management or Chartered Accountant credentials for an opportunity of an interview. The typical chain of command at a Bank is Accountant – Associate – Manager – Director – Chief Managing Director. Many graduates join the bank and acquire promotion without pursuing any higher studies.

Understanding from the last crisis

Whether it’s a short-term capital investment or long-term capital investment, there are two phenomena to understand. The first one is insignificant, and has less carry out with basic realities. The second one is investment oriented, and linked to the rising of the capital in a new perspective. There are investments that incorporate venture capital and long-standing portfolio investments. The flow of capital should be completely encouraged, and the beginning of economically oriented capital controls is a good initiative. An integral part of the International Financial Planning should be under control of tentative money in recreation of ever higher yields. The capital markets grant yields linked to economic crisis and the aspect of things must be at least defied.

Effective Financial Data Service – Top Things It Should Do For You

It is important that investors and traders keep up with the latest market trends and headlines. This puts them in a better position to know how their investments are faring and what the future is likely to hold or ring about so they can make any necessary moves and decisions to favor the investments. Financial data service providers make the process of keeping a close eye on the world markets easy for the traders and investors giving them an easy time improving performance and profits every time.

The fact is that the service providers are increasing in number and you would need to find the best services to reap the best value from your investment. Financial data services bound to bring you success should be able to do the following for you.

1. It should provide the necessary data to you whether you are an organization, individual, hedge fund or a large financial institution. The service should come complete with the best tools to give you an easy time getting your data, such as customizable data feeds and SAAS to suit your individual needs.

2. It should be able to give you an analysis of thousands of news articles every day and calculations on trend values and sentiment of thousands of public companies. Large volumes of analysis are great not only in improving existing investments but also in opening up new opportunities for you as a trader and making sure that you make the right decision while at it.

3. The web based dashboard display that you get from your service provider should include new mentions of sentiment and trends for all companies included alongside the standard market indicators. It should give you a proper break up with overall sentiment, velocity, volume and impact. It should also be easy for you to create a portfolio that is specific to your needs so you are able to conveniently access companies that you are interested in the most. You ought to have an easy time following the direct market competitors too with a clearly designed dashboard.

4. The service should give you real time headlines from numerous sources so that you are able to keep up with the global financial markets effectively. You will be better placed when you know everything there is about the markets from all over the world and not just your local headlines.

5. It should be mobile friendly considering that you might be on the move and still have a need to keep up with what is happening. With smartphones now making the basis of everyday living in the modern world, you should look for a service that you can carry with you and access the most important data at any given time and from any given place. A service that is available on desktop, tablet and smartphone platforms will be most useful in ensuring you know the market news, sentiment and trends regardless of where you could be.

How Important Are Financial Data Providers To Investors?

Financial investments are big investments that require thorough monitoring and keeping up with the latest to gain profits at the end of the day. There is no way you can invest and take a back seat and still expect to reap great results from your investment. Financial trading means knowing everything that is happening in the financial markets and making the right decision depending on the current situation to get the most from your investment. It can be a lot of work but fortunately there are so many sources you can use to make sure you are updated on the latest in the financials.

Financial data providers make very good bridges between you and the world financials. The data providers simply equip you as a trader with the proper tools to help you make the best investment decisions you can make. They make it simple for you to analyze the most important financial data and market trends so you are able to make important moves at the right time to favor your investment. Considering that opinions and news can highly influence stock prices, you are better placed working with a good financial data provider.

The truth is that the opinion and news that people read shapes public perception and public perception has a huge role to play in influencing the stock prices. This makes data analyzing very important to traders. The best thing about modern times is that social media offers a great platform for keeping up with what’s happening. Financial data providers use social media too to get the opinions and news on the latest happenings; hence when using their services you can be sure that you will never miss out on important information that can impact your investment.

The best data providers offer the data to larger financial institutions and hedge funds through data feeds that are customizable and also offer the services to organizations and individuals as a service on software. This means that you are covered by the services, whichever kind of a trader you are.

Choosing Your Financial Data Provider

You want to have the best experience when getting your data analysis. For this therefore, make sure you choose a provider with a user friendly interface to give you an easy time understanding the data provided. For instance, a good provider should be in a position to break down the data in terms of velocity, impact, volume and sentiments for news you are interested in and be able to display this in a dashboard view that makes it easy for you to digest and understand everything. When looking for the best, it is also helpful to consider service pricing details and the available plans so you can gauge whether it is the best for your expectations.

You should also consider what features the provider has on the data platform and how important the features will be in helping you make the right moves and decisions. You should get feeds in real time for the services to be beneficial.

The Best Investments in a High Interest Rate Environment

Waters on the Bay is one of the leaders in the surging increase in terms of expansion in the City of Panama. This building has a story of modern architecture with the feature of ocean views in each apartment residence. Waters on the Bay is the best investment in the City of Panama and people who are business minded, or retired persons can have the decision of investing here. The climate, the city, and the facilities will project this location as a better relocation for lifetime. It is situated along Balboa Avenue, and this bay is rightly located between Panama and Panama City connecting to Pacific Ocean. The City of Panama is the capital as well as the biggest city in nation`s commercial and cultural hub. This city is located on the isthmus close to the southern side of Central America. From the Panama Canal, it gives a lot of benefits to the people, and it is the only shipping road on Atlantic and Pacific.

This City announced its independence in the year 1903 from Columbia with the assistance of the American military. From the year 1904 until 1999, the United States controlled over this canal and from the year 2000, there is a high increase in condominium building established primarily because of the heavy overseas request. Certain construction like Waters on the Bay is among the tallest household construction in the world. It is a perfect spot for investing, and this main place will be a good source of money for the investor. People who like to retire in this city will also think that it is the best spot. By having the ocean views and good activities of this city, it will make the living of the people in Panama to become better. When you are thinking to invest, it is best to consider the climate of this city. It is under the hurricane locations and so, preventing the hurricane associated climate condition.

The tropical weather in Panama is beautiful, and the ocean breeze makes this location more refreshing. The days of snowy, cold and ice are gone. Everything is very close to hospitals, shopping malls, and the international business locations.

When you want to spend your retired life, Waters on the Bay are the right choice where you can relax and will have a peaceful mind. It has a 69 level skyscraper and has a unit with direct seafront views. The complex also features with the spa, swimming pools, basketball, gym, court, Jacuzzi, party hall and bar hall and children can enjoy in the play areas. The property facilities consist of eight levels of parking, rich lobby, 24 hours guard protection, and seven high-speed lifts.

Tips For Selecting the Best Investment Company

In terms of making the best investment, most individuals do not know exactly where to start. Bear in mind that investing is a fierce industry. Those who are not fully aware of what they are doing might end up losing their hard-earned money. And it is for this reason that most investors would want to get help from a reputable investment company.

3 Important Factors

If you start looking for an investment company, you must determine the 3 essential factors. First, you need to clearly identify your goals. These experts cannot actually help you if you do not have a clear goal. Second, new investment must perform some research regarding the background as well as the reputation of the company they want to work with. You have to make sure that it has an excellent track record and has received optimistic reviews from other investors. And third, you need to know that kind of relationships you want with the investment firm. Determining these factors will greatly help you in boosting your chances for success.

Choosing Your Goals – Your goals will have a huge impact as to what investment firm to work with. Most people today invest with 3 goals in their minds – to increase their wealth using minimal start-up funds possible, to reduce their chances for risk or loss, and to hire experts who can capitalize on all of the great opportunities accessible to them. It is actually okay for you to have different goals; however, those goals must be clearly laid out in a list prior to choosing an expert to work with.

Perform Research – Due to the fact that most people do not invest, they do not actually know how to perform research in an investment company. Well, there are also 3 things to consider – marketing materials, public trading records, and financial statements. All of these elements will yield a larger picture of how well an investment company is doing. It is important for you to look into how the company was performing in the past 5 years. Also, observe how the group performed while the market was both down and up. These pieces of information will help you properly evaluate your options.

Consider The Brokers – Few brokers are well-known in most markets. New investors like you must familiarize yourself with the career paths of the top performing brokers. Be reminded that it is normal for brokers to change companies from time to time. You must know how the companies were performing when such brokers worked with them. Moreover, you must also be aware of how the companies performed after they have left.

Alternative Investment Opportunities Available In The Market

Traditional ways of investing would be going to shares, bonds, mainstream property, cash, and other traditional asset classes. But there are more unusual, yet highly rewarding opportunities called Alternative investment, usually embarked on by smart investors because of the risks involved in it.

Here are alternative investment ideas ranked from safest to riskiest, that are available in market:

1. Structured products

This is basically a contract with a financial institution to pay you a defined return at a defined time depending on the performance of the stock market. It’s the safest of all the other alternative investments. The only way you could lose money is when the stock market is performing catastrophically badly.

2. Bridging finance

These are short-term loans used by property buyers who are expecting to get a mortgage from the bank but cannot wait for the approval. For private investors, you can invest in funds that pool bridging loans, in order to spread the risk across several borrowers. The loan is secured against the property.

3. Peer-to-peer lending

Investors meet with individuals or businesses who want to borrow money. Borrowers can get lower rates than they would be charged by a bank, while lenders can earn more money on their savings than they could from a cash account. It can be quite risky for the investors because the individual or the small business might default or become bankrupt.

4. Forestry

Returns from investing in woodland come from any increase in the value of the land and the trees on it, and any income produced by felling trees for timber. But increase in the value of the land is only good if you can also sell the forest. There are some excellent tax breaks in the market, with no income or capital gains tax to pay and exemption from inheritance tax if you hold your investment for two years.

5. Buy-to-let property

The property will form a large part of your overall wealth. You need to have at least 25% of the value of the property to use as a deposit, plus extra to cover any refurbishments and legal fees. Investors will likely face competition from professional landlords and may have to deal with rogue tenants and maintenance issues.

6. Stamps

Rare stamps will have value as long as there are stamp collectors. The most valuable can fetch six- or even seven-figure sums. Stamp values can keep on going higher, and you can search for offers for private investors.

7. Coins

Rare coins are best bought through a reputable auction house, which will provide a money-back guarantee should the coin turn out to be a forgery. As with stamps, the value is underpinned by the popularity of coin collecting as a hobby.

8. Winery

The traditional way to invest is through established wine merchants. You must have knowledge on fine wine and their exact records. More recently, wine funds have been launched which offer an alternative way to access the market. Some of these qualify for the Enterprise Investment Scheme (EIS).

9. Business Angels

When you become an angel, you invest in smaller companies that are not quoted on the stock market. Typically, you won’t see any return until the business is sold or floats on the stock market. It could take years, and you could either lose all your invested money, or reap triple returns.

10. Equity crowdfunding

This is very similar to business angels, but managed wholly online. Investors can either deal directly with the company and get your name on the shares, or let the crowdfunding website deal on behalf of hundreds or thousands of investors. However, if the business you invested in does well, a bigger investor may buy it.

11. Diamonds

Gemstone-grade diamonds have increased nearly tenfold in value since the 1960s. The diamond price is much less volatile than the price of gold. But it may be difficult to access for investors because diamonds are valued subjectively by experts.

12. Carbon credits

A carbon credit is essentially a permit to release one tonne of carbon dioxide into the atmosphere. Companies that exceed their allowances are supposed to buy more credits, according to global cooperation. Private investors have been targeted by firms trying to sell them carbon credits. This is a highly specialist market and best left to professional traders.

13. Land banking

Land banking companies take a piece of land, parcel it up and sell it off to investors; hoping that once the land is earmarked for development, it will soar in value. However, there is often no development and investors are left holding a useless piece of land either in the market or overseas. A lot of land banking schemes have been stopped by the Financial Conduct Authority (FCA).

5 Ways To Impress Any Investor

So let’s go:

Way #1: Show evidence of sale. If you want an investor to be impressed with you then you’ve got to show them evidence of sale. So make sure you sell some of the units or some of the products or some of the services before you approach an investor for funding. It doesn’t mean you need to have sold millions of services/ products. Even 10, 20, 100 units of sale can be just the evidence the investor is looking for.

Way #2: Show evidence that you have a winning team. The investor wants to know that they’re not only investing in one person but in a group of individuals/ Hence it is essential that you assemble a winning team; that has experience, knowledge and expertise in business or in that industry. When you bring together such a diverse group it demonstrates your strength as a good manager and a great leader. All of which are traits a successful entrepreneur must have.

Way #3: Show evidence of a Niche and large enough market. Investors want to know that when they put money into your business you’re going by gaining traction within a small niche and then expand your market to a larger audience. Hence, it is of interesting that your marketing a big enough to create a big payday for the investor. They are therefore impressed with you if you can demonstrate that you are in a growing market as opposed to a shrinking one!

Way #4: Show evidence that your business can make money. How do you do this? Well, what other channels will you use to make money? Will you be using a subscription model, partnerships, sale through retailers, online stores or via business websites? Will you have after sales services or sale of accessories? All these are evidence that your business can actually make money and then finally

Way #5 Show evidence that you have invested your own money. If you have not invested your money in the business what makes you think someone else should invest their money into your business. Therefore demonstrate this by creating a list of all the amount of money you spent. For example:

– Costs of creating a website,

– Travel so we did courses

– Cost of business related training

– Cost of machinery or any kind of products that went into starting the business.

Exit Strategies for Investors of Startup Businesses

Of all parts of the investment process, the exit strategy is undeniably the favorite of angel investors and entrepreneurs. The exit strategy is when a venture capitalist or entrepreneur intends to cash in on an investment.

There are different forms of exit strategies that investors and entrepreneurs to plan out in order to get that return of investment.

1. Initial Public Offer

For startup businesses, an exit strategy could be the Initial Public Offer (IPO) wherein a part of the business is sold to the public in the form of shares. This way, entrepreneurs are reimbursing investors within their own startup. Aside from that, the business gets more access to liquidity for investors and more chances to acquire other companies.

2. Mergers and Acquisitions

Startups can do well with exercising the option to merge with another company if problems with cash flow or liquidity arise. With mergers and acquisitions, the new business stays afloat and provides security among investors.

3. Private Offerings

Another exit strategy is to conduct a private offering of the business’ shares to individuals or a select group of investors to raise funds, which is more cost effective because brokers are not required. This can be done with crowd funding websites and real estate. The private offering is not registered with Companies House, and are exempt from required reporting arrangements and allows for existing shareholders to be bought out in a new fundraiser round.

4. Cash Cow

Cash cows are firms that can command a high market share in an industry dominated by low growth. They are able to sustain enough capital to stay afloat and have increased profits over the years to pay dividends to investors and shareholders by cashing in on their products.

5. Regulation A+

Regulation A+ is similar to IPO. The business owner can put your startup company on an exchange after qualifying. The entrepreneur can benefit from raising money and conforming to particular stipulations laid down by the Companies House without having to publish accounts publicly or file other mandatory paper works that would be required of an IPO.

6. Venture Capital

A good way to secure investors is to keep the cash rolling into the startup. Often, a venture capitalist would invest large sums of money into businesses and startups that are deemed worthy of note. Although this takes time for the investment to mature, it is able to provide a steady source of cash to create more investments, expand development, and attract other wealthy investors who see the potential for high returns in the future. More real estate crowd funding companies are going into venture capital.