Stocks are not very difficult to understand, even for the uninitiated financial layman. Basically, an organization will sell stocks so that they can increase their revenue which will be used for their business. So if you buy stocks, you are helping out a business (and hopefully yourself as when the stocks increase, so will your… Continue Reading
If you are new to the world of finance and investments, one of the areas you need to be educated on are bonds. If you are trying to build up a portfolio, bonds are extremely important since during stressed economic times, it is the bonds that will be there to provide stability and… Continue Reading
A pension fund is created by one’s employer for the purposes of the employee’s investment retirement funds to which they both contribute. Each month the employee is paid, a certain percentage of the salary goes into the pension fund, with an additional sum provided by the employer. These make very good terms for… Continue Reading
It’s not easy working out which investments to put into an ISA. First you need to assess a tremendous amount of funds; then determine how to disperse it around the types of investments/asset classes available. This is called asset allocation. Due to current Middle Eastern unrest, doing this properly and well is quite a balancing… Continue Reading
In theory, diversification means one decides to keep a portfolio as a part of their risk-reducing strategy and investment process. In practice what happens is, is that one distributes their finances among various assets that would significantly decrease investment risks. Therefore, to turn portfolios into the best they can be, the direction needs to be… Continue Reading
When a finance-based company starts to build the ideal investment portfolio, at the same time, it will set up an investment analysis. A customer who needs portfolio management services will approach such a company, especially if they are looking for a way to create their own investment portfolio. Creating an ideal investment portfolio will assist… Continue Reading
If you want to make the most of your retirement, planning is key. One way of doing this is getting an investment portfolio which facilitates personal investment management and helps with organizing budget and savings. An investment portfolio is basically a cohesion of investments an institution/individual has. If this is done in an efficient way,… Continue Reading
Oil prices rose; Britain’s benchmark stock index plummeted as Muammar Gaddafi “tightened his grip on Tripoli,” yet failing to exert that control over eastern Libya. The premier’s loyal security forces allegedly forced protestors out of the capital’s streets which was undergoing major chaos as close to 300 civilians have been killed according to a Human… Continue Reading
Retirees who withdrew a lump sum from their retirement plans would seemingly benefit from an immediate annuity. In theory the sum can be changed into monthly, quarterly or annual payments “that represent a portion of principal plus interest” and will last over a lifetime. But this has risks: a) getting a lifetime of regular payments… Continue Reading
It’s important that the client reads the small print before signing an annuity contract. There can be various additional fees that might not be so clear. These include: the fee incurred for an early withdrawal which usually starts at 7 percent and then drops a percent each year until the seventh year; mortality fees of… Continue Reading