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Stock Market Tips – 4 Signs It’s Time to Fire Your Financial Advisor

After the great crash of 2008 many people are asking if the time has come to fire their financial advisor.  “Is it the economy?”  “Shouldn’t my advisor have seen this coming?”  I’m going to give you 4 signs it’s time to fire your advisor. After reading these indicators you can decide for yourself if you should stick with your advisor or if it’s time to fire him and invest your own money.

1) Buy, Hold, and Pray

    Most financial advisors (and by most I mean like 99%) will tell you to put your money in mutual funds or similar investments (buy and hold).  These investment vehicles are great as long as the stock market goes up.  But what about the days when the stock market goes down?  Sometimes down is WAY down – just look at October 2008.  These are the days advisors  do not want to think about.  In fact, they choose to not think about those days.  But YOU DO.  It is your money after all.  And those are the days when you start to pray. “Please make it go up, please make it go up…”  I know, I’ve been there too.  But you do not have to be.  There are ways to invest when the market is moving lower and there are also ways to insure your portfolio against a downward loss.  That’s why if your advisor tells you to buy and hold, which causes you to pray, it’s probably time to FIRE HIM.

2) Buy, Don’t Pray, and Hold

    The “Buy, don’t pray, and hold” syndrome is the response most advisors have to the questions arising out of buy hold, and pray.  It goes something like this. 

You: “But Mr. Advisor, what if the market goes down?” 

And he says: “Oh don’t worry, over a 20 year period of time the market always goes up.”

    Now in theory that is suppose to put you at ease.  The problem is it doesn’t.  What your advisor is really saying is “just buy it, don’t worry about it, hold it forever, and in 20 years I think the market will be in one of it’s up swings”.   But what happens if the market isn’t in an upswing when you need your money?  And that’s the question you need your advisor to answer or you should FIRE HIM!

3) Expect Your Income To Go Down When You Retire

    This one always gets me.  You mean I’m suppose to work for 45 years, practically kill myself, and when I retire, when inflation is at the highest point in my life, when my dollars go the shortest, I should expect a drastic pay cut?  The answer is almost always — “yes”.  You need to make sure your advisor understands your goals.  And your goals should be to have as much or more income after your retire as you do before you retire, for the rest of your life, no matter how old you get!  If your advisor can’t make that happen it’s time to FIRE HIM!

4) 10-15% Annual Interest Is Really Good

    American’s have been conditioned to believe annual interest is the only way to measure interest.  In fact it’s not true.  That’s just what the financial institutes have told you.  Your home loans are measured in annual rates, credit cards have annual rates, and of course your measly bank savings account pays an annual rate of maybe a couple percentage points.  But every day and every month the big financial institutes are making daily, weekly, and monthly rates of return.  Why shouldn’t you?   In fact there are very special mutual funds for extremely rich people that focus on making monthly returns of 10-15%.  That’s the same amount you have to wait a year to make! If 10-15% annual return is your advisor’s idea of growth don’t take it.  FIRE HIM!

Can You Win On The Stock Market?

The world of stock market trading and investment can be very confusing, particularly for someone new to stock trading. So what can you do to help yourself to be prepared?

First up let me explain to you the different between a trader and an investor. An investor is someone who comes into the stock marketing through something like their superannuation. A trader is someone who makes a decision on their own to buy and sell shares via the stock market. Trading in the share market can be done online these days or you can still hire the services of a broker.

If you decide to trade in it you are best to have a strategy, you will need to study the trends and study them carefully. Don’t just rely on tips given to you by friends or on the news, make sure you do your own research. Manage your money carefully and always be sure to keep some in reserve. It is good to be a little adventurous on it but also be sensible with your trading.

The longer that you are dealing with the share market the more comfortable you will be with it and you will soon be good at identifying both successful companies and failures.

The stock market is a riskier investment than investing in real estate as the market is continually moving up and down. Having said that I will also say that you can do very, very well with the share trading, you are making your money work for you and you will soon be enjoying the gains.

Stock Market Secrets Advice Tips Tricks Trends of Stock Market of India

While making an investment in Indian stock market there are lots of thing you should consider before it. I will guide you most important thing and tips that you can implement while making any investment in stock market of India. These stock market tips and tricks are based on many years of expertise experience and as a professional expert in Indian stock market. These are the Stock market secrets ……..

Buy at low and sell at high: - This is way to make money in stock market that you should buy at lower prices and should sell at higher prices. It determines the success and failure of an investor in stock market of India.
Stock Market Trend: – If you want to be a successful investor in stock market of India you should have perfect idea of stock market and what is going on in the stock market. For this you should have up to date with Indian stock market news.

If stock market is going up try to search out reason behind it. If market is going down then also try the same. Make your mind calculation with these points and than come to a final decision whether you should keep sell or buy. Down and up it is the duty of stock market of India. Stay longer with stock market may result in profit or may be results in loss, it’s totally depends upon the reason why these major up downs have been taking place in stock market. In case you have got the right point than you will get other wise loss.

Current Trend of Stock Market: – As per current trend of stock market it has been seen that once stock market rise at higher speed it down also with same speed and if stock market have gone down there is more possibilities of getting up. This is the current market trends but it can be change in future.

Keep patience: - Patience is also plays a vital role in your winning and losing. In stock market many peoples take immediate decisions which can result in big losses later on. This is the nature of stock market every step should be take after a deep thinking and consideration on it.