What Is Angel Investing and How to Be a Profitable Angel Investor?

More than ever, angel investing is redefining how cash-strapped startups are able to secure funds to help scale their operations.

But the ins and outs of angel investing aren’t so clear cut.

By comparison, there’s a lot of “common wisdom” being dished out regarding what it takes to succeed in investing.

Most of this “common wisdom”, however,  doesn’t apply when it comes to angel investing.

Angel InvestingInvesting in startups and picking profitable stocks to buy, for example, are two very different ball games.

It’s my hope that by the end of this piece, you’ll be able to understand these four things:

  • What to expect when you’re starting out as an investor in startups.
  • If you’re really cut out to be an angel investor.
  • How profitable angels do it and how you can emulate a proven model that works.
  • The not-so-rosy side of being an angel investor.

With that in mind, let’s dive right in.

Who Is an Angel Investor?

Angel investors come from all sides of the economic spectrum.

They can be professionals such as lawyers or engineers and business associates.

Better yet, an angel can be a serial entrepreneur with a keen interest in cultivating the best investing and entrepreneurial culture for the next generation.

Generally, angels are wealthy individuals willing to sink thousands of dollars in a startup in return for a piece of the action (read: equity).

According to the Securities Exchange Commission (SEC), angels are categorized as accredited investors.

An accredited investor is an individual with a net worth of at least $1 million and earns $200,000 annually.

Angel Investors Vs. Venture Capitalists?

A popular public misconception is that angel investors and venture capitalists are one and the same.

Although they share a common goal – providing capital to business ventures for start-up or expansion – they have some important differences to note:

  •  Angel investors are individuals. Venture Capital usually represents a professionally-managed company or business rather than an individual.
  •  Venture capital usually comes on board at a later stage after proof of concept. Angel investment comes in during the early stages of a start-up
  • Compared to angel investing, the invested amounts are higher in Venture Capital because their business is to pool funds from different investors. Investment amounts are upwards of $1 million. An Angel investment is usually less than $300,000 per deal.
  • A seat on the board is required for Venture Capital. On the flip side, angel investors can choose to either be “hands-on” or “hands-off” in the active management of their angel investment.

Will It Thrive or Crash? The Art of Valuing an Early-Stage Startup

Before committing to an investment, any angel who’s worth their salt will always be quick to ask these two questions:

All hype aside, what is the startup really worth?

Will it get to a good exit point and return a profit?

But valuing a company before it has any financial statements to refer to or revenues is pretty difficult.

That’s why establishing the pre-money valuation of a pre-revenue startup is often the first point of deliberation between an angel and the entrepreneur.

Entrepreneurs are always gunning for the highest possible valuation they can get for their companies.

But the lower it is, the better it is for you as an angel investor.

You want the value to be low enough so that the amount you invest translates to a reasonable portion of the company’s equity.

Valuation Methodologies

There are many valuation methodologies that can be applied to value pre-revenue startups.

But these three take a holistic approach and offer an excellent starting point for angels and entrepreneurs:

Discounted Cash Flow (DCF). Calculates cash generated by future projects and discounts this capital using the weighted average cost of capital (WACC) to derive a present value.

If the DCF value is higher than the initial investment, this points to a potentially profitable investment that should be considered.

Venture Capital Valuation Method. Valuation is based on expected ROI at the point of exit. It usually applies where investors are looking to exit their angel investment in 3 -7 years.

The Berkus Method.  Attributes dollar values to the headway startups have made in their commercialization efforts.

Instead of focusing on a single method, it’s advisable to use a combination of these methods to get an average figure.

This way you’ll be in a better position to identify and negotiate a better deal.

Unfortunately, most early-stage companies have a little-to-no history of past revenue and earnings which can negatively affect the final valuation.

Evaluating Different Business Models

To bridge this gap, angel investing calls for an in-depth evaluation of a start-up’s business model as well.

Instead of focusing on the popular Business Model Canvas to evaluate a start-up’s overall strategy, an economic approach is more sensible owing to the complicated nature of these business models.

When using the economic approach to review a company’s business plan, the first step is to sort out all the information provided into four economic sets:

  • Unit economics. The direct selling price and costs associated with a product or service.
  • Buyer economics. This is how the company plans to acquire, retain, and support its customer base.
  • Market dynamics. What the entrepreneur has to do to actually create a buzz about the product or service.
  • Business economics. Any overhead costs, handling of finances, and general running of the company all fall into this category.

These economic sets give you a clear picture of how much money an entrepreneur needs before their company can become self-sustaining.

According to Baumann, the final and most crucial step in valuing an angel investment is analyzing the scalability and break-even-point of the business model.

Scalability and Break Even Point

In business terms, scalability is the relative ease with which a company expands its operations while incurring minimal incremental costs.

This is a key pointer to whether the company you want to invest in will be a winner in the long run.

It’s advisable that when angels meet with entrepreneurs they understand the scalability plans of the company.

Are they planning for 5X, 10X or 200X growth from where they are currently?

Knowing these metrics comes in handy when you’re calculating how much money the start-up needs and how many rounds of funding it will require.

A company with a planned 100X growth, for example, is likely further along in their expansion plans.

Such a company will offer a better exit and return on investment than a company that’s just starting to scale its operations.

In view of this, it’s important to note that some business models are great for scaling while others – companies which require considerable personnel involvement, a lot of customization, and consulting – are not easily scalable.

Key giveaway: Business models that focus on scalability at the expense of customer experience are not sustainable and should be approached with caution.

It’s advisable to pursue a business model which tries to strike a balance.

Ideally, it should be highly scalable and at the same time focusing on addressing consumer pain points.

That’s how big brands are able to stay in business and dominate huge market segments (they identify these pain points and come up with effective solutions).

Mistakes and Pitfalls to Avoid as a First-time Angel Investor

I must admit, it’s tempting to go out guns blazing as a new investor in the current start up scene.

Picture this scenario: the entrepreneur is a young, charismatic, and intelligent lad.

The product? Cool and trendy with ground breaking technology behind it to boot.

Investing in such a company might seem like an easy and sure win.

But looking at the bigger picture before making that all-important decision can make the difference between making a profit or suffering an avoidable loss.

You shouldn’t only be evaluating angel opportunities at face value.

Every investment you make as an angel should blend into your overall angel investing strategy and wealth building strategy.

Experienced angel investors like Bill Payne – a long-time angel and a member of the Frontier Angel Fund in Montana – share a lot of good advice for those just starting out.

“Most of us who’ve been doing this for a while encourage new angels to do what we say and not what we did,” offers Payne, who has made over 60 angel investments in a span of three decades.

“Most of us started off by writing checks then later asked – what’s my real strategy? ”

To avoid learning the hard way, it’s critical to understand these 5 factors:

  • The risks of being an angel investor.
  • Why it’s important to diversify your portfolio.
  • Your risk tolerance – are you able to stomach large swings in the value of your assets?
  • The total sum to invest as an angel and how much to apportion each deal.
  • What you’re passionate about and how it applies to your overall angel strategy.

Angel Investing Key Risks

One thing to always remember is the level of risk associated with investing in early-stage companies in general.

In fact, most of these investments and companies won’t work out.

For example, for every 10 angel investments, investors encounter 5 failures and 3 or 4 investments which will only bring a modest ROI (Return on Investment).

To sum it up, how well your angel investment portfolio performs will be hinged on the success of just one or two companies (out of the 10).

From these few successes, you can expect an ROI of 10-30X.

With these numbers painting such a grim reality, angels have no choice but to diversify their investments.

This helps to minimize risk and optimize the returns they make.

Based on expert opinion and best practices developed by some of the most profitable angels, the guidelines below show you how aspiring angels can leverage risk and diversify their angel investments.

Achieving a Diversified Angel Investing Portfolio

We’ve heard too many disheartening stories about angels who wrote a single big check and lost all their investment cash after the company they’d invested in failed.

Which begs the question: how much of my entire investment portfolio should I  allocate to angel deals?

Well, there’s really no right or wrong answer to this – it’s what you feel comfortable with.

Designating 3-10% of your investment portfolio to angel investments is ideal for a start.

Also, to avoid losing a huge sum of money on a single investment, you should initially plan on investing in at least 10 start ups over a pre-defined period.

It makes sense to invest in one or two companies annually and waiting for at least 6 months before making your first investment.

This way you get to learn from more experienced angels as you carry out your own due diligence on the company.

But keep in mind that investing in multiple companies will probably require multiple rounds of funding as well.

Therefore, it’s wise to split up your angel investment pot into equal shares.

Figuring out how much of your investment portfolio you’ll commit to angel deals and the total number of companies you’d like to invest in will guide you on how to size up each investment.

The sweet spot for most angels is allocating $5,000 – $60,000 per round for each investment.

Picking Which Companies to Invest In

Another important piece of the puzzle is knowing beforehand the kind of companies you want to put your money into.

Here you’ll require some level of introspection to determine what matters most to you and the driving force behind it.

Although no two angels are alike when it comes to passion and drive, many choose their investments based on a combination of these factors:

  • Past experience or affinity with a specific industry – which has also been linked to greater returns.
  • Participation. Angel investors have a higher chance of success when they’re able to interact with the companies in their portfolio a couple of times a month by coaching or mentoring, for example.
  • Do you want to support a company that you have a kinship for? An example is a business owner and angel investor who graduated from the same university.
  • If you’re a retired investor, you’ll probably prefer an angel investment which gives you the opportunity to practice the business skills you already have.

Taking all this into consideration will open up your eyes to the broader implications of angel investing.

Hunting for Deals: Angel Investing Like a Pro

Some of the most sought after angels like Paige Craig and Chris Sacca have some advantages over most angels just starting out.

They have solid online reputations spanning decades and vibrant networks in their relevant fields.

Every day it’s getting more and more difficult to develop the kind of skills and business networks which can help you gain a competitive edge.

What’s even more discouraging in today’s angel investment scene is how boatloads of money keep chasing the diminishing number of capable entrepreneurs.

Well, there’s a solution to at least some of the above issues if you’re still determined to become a profitable angel.

Enter: AngelList Syndicates

This is one of the safest and most reputable avenues which small-time investors with little to no connections can take to land a profitable angel investment.

Through AngelList syndicates – started by a revolutionary company called AngelList – wealthy individuals can pool their money with an already established angel.

This system gives investors (or Leads) a platform where they can meet other accredited individuals (known as Backers) who want to share in their deals.

Generally, Leads are responsible for sourcing and supporting the angel investment for a share of the proceeds.

AngelList collects 5% of the profits you make from your investment while the angel investor (Lead) gets 15% – the remaining portion goes to you as the backer.

Most renowned angel investors – including Paige and Chris mentioned above – have a syndicate on AngelList.

Other promising syndicates you can consider joining are owned by Tim Ferriss and Jason Calacanis.

Related Read: The Good, Bad, and Ugly of AngelList Syndicates

Conclusion: Angel Investing Generates Wealth, But Also Helps Companies Grow

Granted, angel investing looks quite lucrative on paper, but you’ll still need to put in the work to get the kind of results which make investing in start-ups worthwhile.

If you’re seriously considering angel investment, it’s important to remember that this journey is all about growth and uncertainty.

In my opinion, when you choose to invest in an early-stage venture, helping the company grow should take center stage – not how much you stand to make from the deal.

Eventually, the money will start trickling in when the company is on a more stable trajectory.

I’d like to keep the conversation going – so if you have any questions/thoughts about the tips shared here or more ideas on how to become  profitable with angel investing, feel free to leave a message in the comment box below.

How to Start Investing in 7 Steps

Investing is a significant step in furthering your money.

We all understand that it is important to start investing almost as soon as we can.

But the problem is often how to start investing?

As you move forward, you start to understand that this is more of a habit.

But the challenge is often about getting started.

Irrespective of how much you earn, it can never be enough.

So, there is that constant tug of war about how to spare this additional fund.

You keep shifting your plans every month.

But prudence will tell you that it is best to start before it is too late.

This is one of the essential steps that can help you amass wealth.

Start InvestingWhether you are working towards a hassle-free retirement or financial independence, investing is necessary.

It helps you give confidence as well as security for most eventualities in life.

But remember an investment does not grow overnight.

It needs a gradual and systematic approach as you start investing.

Investing is essentially about managing your money in a profitable manner.

That also involves developing some key area expertise and building on existing resources.

As a result, you have to follow a step by step method to start investing.

This will make sure that you are not overstretching or going beyond your means.

At the same time, it is the best way to ensure that you are optimizing the value of every dollar you earn.

That is perhaps the most important step in the whole calculation.

Creating a value for money proposition will help you decide on more sustainable investment options.

That makes sure that you are able to set aside some amount of money at regular interval.

This planning is always the first step towards effective investing.

Start Investing in 7 Steps

So… here is how to start investing in 7 steps:

  1. Decide on How Much You Can Invest
  2. Set Your Targets
  3. Decide on Risk Appetite
  4. Get a Handle on Basics
  5. Contact a Financial Planner
  6. Choose Your Investment Style
  7. Analyze the Cost of Investment

Step 1) Decide on How Much You Can Invest

Invest SmallThis is perhaps the most important step in your manual about how to start investing.

Getting your finances in order can be a tough ask.

Accounting for all your debt, liabilities, payments is very important for this.

You have to make an accurate assumption of how much spare cash you will have in hand.

But before that, you have to take stock of your debt and monthly expenses.

That alone will help you decide on the exact amount of investment you can undertake on a monthly basis.

This will also be directly proportional to the time and the extent of interest you hope to earn.

Different means of investment will yield different degrees of interest.

Now you have to calculate the time period and the amount of money that you want at the end of a given period.

When you consider all these factors, you can make a realistic assessment.

The basic thumb rule is you must be able to invest at least 30% of your earnings.

But that may not be possible for everyone or everybody.

So when you are deciding on the amount of money, you have to take everything into consideration.

The amount that you eventually decide has to be something that you can invest regularly.

At the same time, this amount has to be invested in a steady fashion.

So you must decide on your ultimate investment goals accordingly.

That will help you create a proper debt repayment plan as well.

Striking the fine balance between the maximum you can invest and the minimum you need to spend is crucial.

That ultimately goes to formulate a holistic long-term investment plan.

It is often the first step to start investing.

Step 2) Set Your Targets

Investment GoalsTherefore, when you start investing, deciding on your investment targets is absolutely crucial.

Once you have a clear idea about the amount of money you can set aside, you need to build your target.

This is a cardinal rule of how to start investing.

It is almost inevitable that you may lose your motivation to save at any point of time.

This kind of target based investment will help you remain on track.

It will make sure that you work towards achieving your target irrespective of all odds.

Of course, I do understand that different types of investors will have different goals.

The degree and frequency of investment will also differ.

But despite that, there are some constants at work.

All of us need a certain amount of health insurance, retirement kitty and money to meet educational expenses for kids.

Once you set a target for each of these, it becomes that much simpler to work towards that objective.

Moreover, it also helps you in choosing the vehicles of investment.

For example, if you target saving X amount for retirement, it is always better to choose traditional options like IRA.

Also once you have the target in mind, certain related facts also come to light.

Different types of investments need different degrees of security.

The means to preserve capital is quite different for different types of investment.

All of these are closely linked to the overall objective involved.

Creating targets also help in self-assessment.

You don’t have to depend on anyone to identify how much money you have saved.

Also, you would not have to constantly keep worrying if it is enough.

You have made your calculations and started investing accordingly.

Now you only have to start waiting for the rewards.

Step 3) Decide on Risk Appetite

Investment RisksDeciding on your risk appetite is another important element when you start investing.

Just like the targets you decided help you to choose the investment instrument, the risk appetite also helps.

For example, you are looking at fast returns so stocks may be a good option.

But if your risk appetite is not high, you may have to make do with stock Mutual Funds.

Effectively then you are gradually calibrating your objective as per the risk you are ready to take.

Those with higher risk appetite will look for higher reward products for investing.

But you may also start to invest in moderate reward instruments if you don’t want to take a huge risk.

Remember, in the world of investment, you never have a definitive yes or no.

All types of investment instrument are worth the try provided they help you generate the target returns.

At the end of the day, it is a relative game.

Your age and financial condition will also dictate your risk appetite.

If the total invested amount is only a minuscule portion of your net cash levels, you will not be too worried.

You may even be ready to gamble with it a lot easily.

Conversely, if the amount of money in consideration is all your life savings, you will be more cautious.

You cannot just gamble with it that easily.

Higher risk surely yields better returns, but it is always important to assess the collateral damage.

You can never assess your risk appetite in isolation.

It is always dependent on several factors.

But the most important aspect is the extent of losses that you may be able to digest.

That is what will go on to shape the long-term investment construct.

Step 4) Get a Handle on Basics

Investment BasicsWhen you start investing, you have a plethora of alternatives in front of you.

The challenge is what do you choose and what you don’t.

Of course, most experts will tell you that this will be decided completely by your targets.

Yes, your investment objective surely plays an important role.

But even then, it is essential to make an informed choice.

While you don’t really have to be a financial expert, it is important to know where or what you are investing in.

Often the relative rate of return is closely determined by this fact.

You have to be comfortable with the market lingo and know how much to invest where.

Even the basic concept of diversification is a function of this very factor.

Remember appropriate knowledge will equip you to make profitable choices.

It also helps you assess the required risk in an appropriate fashion

Without required knowledge, you may end up making wrong investment choices.

They not only jeopardize the rate of return but you can lose a significant amount of money.

You can decide to take up a plethora of short-term courses about the market and investment.

You can also enhance your knowledge by listening to the market and investment-oriented shows.

The most effective one is, of course, increasing the ambit of your reading.

From biographies to special investment bulletins, the market is flooded with a variety of books.

You can choose to read on just about any investment related topic that you like.

This will ensure that you are able to update your knowledge base at regular intervals as well.

This is also an important part of your knowledge gathering initiative.

It will help you to further your understanding and boost your investment.

Step 5) Contact a Financial Planner

Investment Financial PlannerI know investing is fun and can be even addiction.

But when you start, it is very important to be cautious.

That alone will help you stay on track with your investment goals.

It is for this reason that when you are learning how to start investing, contact a financial planner.

You may or may not employ a full-time financial planner.

But at least in the initial stage, a financial planner will be able to offer a better direction.

They can handhold you in a more effective manner.

You will also get a more definitive direction to your trade.

Most times, investors take refuge in the comfort of mutual funds.

But a financial planner helps you provide information about many other types of investment.

They may be able to offer you a few more options that conform to your risk appetite without compromising returns.

Basically a financial planner offers you the insight the options with best possible growth.

They can also help you formulate a plan that can effectively meet your long-term investment targets.

The best part is you don’t have to go too far looking for them.

Most banks employ financial planners or you can even visit independent financial houses.

These planners may not invest on your behalf but they will definitely tell you how to go about it.

They will also give you ideas on ways to spread your risk constructively.

Moreover how to determine the fund allocation is a key concern for most who start investing.

The financial planner can easily provide a broad investment plan.

It is common knowledge that online investing is the best way to start in the current scenario.

Here again, the financial planner can help you input on how to start investing online.

Step 6) Choose Your Investment Style

What Is Your Investment Style?I love investing and over a point of time have developed my own style.

But trust me when you are grappling with how to start investing, this is a major challenge.

Different types of investors have different styles and they may all be effective.

Investing, you see, is a subjective matter.

Unlike a mathematics formula, there is never only one right way to do it.

You can handle it in many ways and still get adequate returns from it.

For example, my granddad only invested in fixed deposits and post office savings instruments.

A chunk of his retirement fund was stacked away in pension.

But he did not provide adequately for children’s education.

As a result, my dad had to work towards paying off his educational loan in the initial years of his service.

But he did not want to miss out on the advantages of saving early and the savings all those years of debt paying may have yielded.

So he chose to invest in gold and mutual fund along with Fixed deposits and post office savings.

But after their retirement, both my grand-dad and my dad were able to meet their investment target.

That meant that they were financially secure and independent after retirement.

None of them had to depend on their children to provide for their needs.

Therefore, it is important to work out your own investment style.

You may be a conservative or unorthodox investor.

You may be keen to take the risk or shun risk at all cost.

Whatever the pre-condition may be, your individual investment style is always the best option.

It helps you to invest comfortably without compromising on the rate of returns.

Moreover, it is always a more secure way of investing.

Step 7) Analyze the Cost of Investment

Cost of InvestmentNow another factor is to properly analyze the cost of investment.

When you start investing, this is one of the most common challenges.

You can enjoy a projected rate of return only if you don’t end up paying too much in transactional charges.

Let us say, you have learned that investing in X stock can generate Y returns.

Maybe the X stock actually generates that much return.

But your profit will be Y-T, where T stands for transaction cost.

This transaction cost can be brokerage, load factors, taxes and any other liability.

Basically this is the expense that you have to incur for investing in a specific product.

If this expense is higher than your rate of return then your entire profit gets eroded.

So you have to be very careful when you are assessing your cost.

Without proper cost calculation, you may end up with deep losses.

For investors who are just learning how to start investing, this is a crucial factor.

The chances are they will have higher overhead costs.

Be it hiring financial planners or stock brokers.

So the onus is on them how they can manage the expense- profit balance effectively.

Most times, this is also a key consideration where financial planners can help you significantly.

Conclusion

Therefore, when you start investing, making an informed choice is a primary necessity.

From deciding the target to choosing the instrument for investment, area expertise is crucial.

But learning about investing is not really rocket science.

With a bit of patience and application, you can easily master on the issue.

Thorough research will also help you stay on track, in terms of meeting your investment goals.

Thankfully today a lot of reading material is available to guide you through the entire process.

But if you do not have time to read many books or attend TV shows, simply read this guide on how to start investing.

We promise to offer the most needed edge to your investing techniques.

This will also help you in start investing like experts.

The Best Health Savings Accounts (HSA) for Investing

Health savings account investing can often be the best way to get tax advantage with health cover.

It allows you to use the same instrument to cover your medical expenses as well as generate savings.

But proper HSA investing is all about choosing the right schemes.

But the fact is that not each one of these can help you generate appropriate returns.

Not every health savings is created to service your requirements.

The market is full of various investment options.

Some will suit you while others may appeal better.

Most importantly, you have to look at how to address your individual requirements best.

Moreover, the right type of HAS investing will also enhance your retirement savings to a large extent.

It will help you create the right balance between positive and negative return ratio.

Health Savings AccountThe best investing schemes are the ones that offer you the maximum advantage with minimum expenses.

It includes almost everything from fees, access to creating meaningful returns.

The tenure and reliability are also key considerations.

It goes on to impact the overall return prospect in a significant manner.

The good news is you have several new HAS investing offerings with the appropriate balance.

These Health savings account investing options will not just enhance your medical savings but net returns too.

But often the whole task of short listing the requisite ones can be an ordeal.

We decided to make the task a lot simpler for Health savings account investing.

We have shortlisted some of the most popular HSA schemes.

They are not just the cheapest options but also ones with most consistent returns.

This makes them rather steady winners over a given point of time.

But before that, you must understand how to rate the available HSA investment options.

What to Look for in Health Savings Account Investing

Deciding on an appropriate Health savings account is somewhat tricky.

Increasingly, you find a higher number of schemes that are geared towards better investment returns.

So choosing for these is now similar to deciding on your IRA or 401(k).

It is essentially looking for a long-term investment with reasonable return ratio.

You have to create a strategy to harness maximum advantage.

Be it monthly medical expenses or the investment returns, your scheme has to address both.

Many times, investors are stuck between choosing an individual plan or opting for the popular office option.

The good news here is you are not duty bound to choose what your employer offers.

If required, you can also choose a scheme that is not part of your employer’s offer.

Basically, you have to choose a scheme that best addresses your needs.

Even when you opt for a separate HSA scheme, your employer may continue to deposit pre-tax money into your HSA.

You can also choose to opt out of the employer-employee collaboration and look for a tax write-off at the end of the year.

That is also a unique way to enhance savings and cut down taxes.

You must focus on Health savings account investing with better return prospects.

So, in many ways, it is similar to choosing an IRA scheme.

Also, the price of the investment option that you choose holds a lot of importance.

HSAs, on an average, have a different kind of fee structure.

Look for the ones that help you optimize your returns the most.

Also, analyze the historic performance of the scheme that you are investing in.

Though historic performance is not the most accurate indicator of future, it gives you an idea.

Moreover, it highlights the degree of consistency.

– Health Equity

This is one of the best known and most popular options for health savings account investing.

From the quality of investment to the ease of access, there are many positives about this plan.

It has one of the most favorable interest rates in the current scenario.

This is an important consideration for keeping your investment objective on track.

The kind of savings that you generate is closely linked to the rate of interest that you get.

This is the principal rule for all investment opportunity.

Always go for options that promise the best interest rate.

That means it gives a better value to your savings and helps you optimize the relative value.

This also enhances the overall scope of return if you are investing in this option.

The investment options include a wide array of 23 mutual funds and it is a FDIC insured opportunity.

There are over 3.4 million users, and that surely speaks a lot about its consistency.

When so many people are investing in the same policy, it is surely doing a few things right.

The fee structure is also conditioned towards maximizing user interest.

  • The monthly fees is about $3.95
  • The closing fee is approximately $25
  • The investment fee is $0.33 per $1000 invested.
  • For self-directed investments there is no service fee
  • For web-based assisted investments, the service fee is roughly 0.08%

But for all of these, investors are not under any obligation to maintain any specific account balance.

The minimum account balance required is an absolute zero.

The ease of access is another key advantage of this HSA investing scheme.

It has a debit card and checking account facility.

Most importantly users also have online banking facilities.

That means they can access these health savings account from just about anywhere and anytime.

– Further Health Savings Account

This is one of the most versatile health savings accounts for users.

This has a constructive mix of spending and investment needs.

It offers flexible and well-rounded health financing and savings options to its users.

Most importantly whether you are looking for a savings based HSA investing scheme of spending-oriented, this helps.

It is one of the unique solutions that fit all requirements.

This particular investing opportunity offers triple savings option.

Moreover, the premiums are much lower than any other existing opportunities.

This makes these a viable savings option that maximizes the returns.

The benefits package is also significantly enhanced in this case.

This means that it is able to attract relatively more users to avail the benefits.

Even for employers, it works out to be an attractive means to retain employees.

After all, everyone is looking for options to realize maximum output.

In terms of the payment involved, it works out to be a cheaper option for employers too.

When more employees start HSA investing, this also increases their overall savings and tax liability.

The disbursement and average administrative services are also much better.

User convenience is the keyword in most of their function.

That is what ensures that their processes are way more simplified.

This means both in terms of accessibility and usage, they have an upper hand.

This is the crucial factor helping their overall performance record.

Most importantly, they have a range of savings options.

You can choose to opt for accounts with higher maintenance fees; these will also guarantee better interest rates.

Also, you can easily transfer an existing savings account to an investment one.

The charges for this transition are very minimal.

But it makes sure that users can optimize the value of an investment.

– Optum Bank

This is another popular health savings account investing destination.

With a total user base of close to 3 million users, they also represent quality investment at a reasonable rate.

The rate of interest is decidedly one of the most important deciding factors.

It gives you up to 0.40%rate based on a balanced tier system.

The investment options are spread out over 31 options.

The threshold for investment is about $2000.

It ensures that the medical expenses do not drastically jeopardize your savings.

This is a type of Health savings account that helps you maintain the crucial balance between spending and profitability.

Yet again, this is a zero minimum balance savings account.

This ensures that you do not have to be under any obligation to maintain the minimum balance.

User convenience continues to be a buzzword in our choice of opportunities.

This too has basic facilities like checking account, debit cards and online banking facilities.

This, no doubt, improves account accessibility too.

It creates meaningful opportunity to access and deal with the savings in a convenient way.

That means users do not have to stretch their limits or means for accessing this health savings account.

That is a big positive for many who opt for this facility.

The fee structure is extremely favorable.

The monthly fee is waived off if you have a balance exceeding $3000.

For other investors with lower minimum balance, the monthly fee is around $2.75.

The investment fee is about 0.03% on a monthly basis.

But the maximum amount of investment fee does not exceed $10.

The reason why these numbers are crucial is that it shows how much of your savings are eroded.

When the monthly fee or the investment fee is higher, it reduces the total yearly savings.

– HSA Bank

You may choose this health savings account investment option for the relatively higher interest rate.

Investors in select cases can get as much as 0.50% on a balanced tier basis.

With no basic investment threshold and no minimum balance account, this offers a brilliant option.

It helps investors maximize savings without any additional burden.

This is what makes it one of the best available value buys in the market.

The total user base of this scheme exceeds 2 million and this is a FDIC insured option.

The investment options in this scheme are the biggest game changer.

Apart from mutual fund options, there are many other alternatives too.

It also allows investment in stocks and bonds via TD Ameritrade.

It also enables a self-directed mutual fund program.

That means this offers better option to realize the value of an investment.

The fact that they can invest across a cross-section of investment destination maximizes the profit potential.

In many ways, that also adds to the overall appeal of this investment opportunity.

The investment threshold for this is close to $5000.

This one too has all the basic convenience facilities like online banking, debit card option and checking facilities.

The fee structure is dependent on the extent of your savings here.

They have $2.50/month and $3/month investment plans.

It varies with the extent of money you have in your account.

If the checking balance is over $5000 a month, these fees will not be levied.

The investment fees have a tiered structure in terms of how much payment is required.

For equity, it is $6.95/trade and the self-directed MF program fee is $24 for a year.

The closing fee for this type of health savings account is $25.

But user reviews for this HSA investment has been very unfavorable.

– UMB Healthcare Services

This is another health savings account investment with 0.50% interest rate.

With features like 0 minimum balance, checking account facilities and debit card, it charts high on the popularity list.

The online banking facility adds to investor convenience as well as creates a potential for enhanced savings.

It also improves the overall accessibility of the HSA investment destination.

When you are choosing from a range of options, all these minor factors play a crucial role.

It goes on to determine, why you may choose one option over another.

The accessibility also enhances the ease of saving greater amount.

However, the investment option, in this case, is limited to mutual funds only.

But here the investors are spoilt for choices with investments ranging across 33 mutual funds.

This is also an FDIC insured account with the investment threshold around $1000.

This has a user base exceeding 1.25 million people.

That is an important consideration when you are trying to determine the consistency of a product.

You must understand that when people are consistently choosing the same instrument they are getting a distinctive amount of value from it.

After all, anybody who opts for an investment based health savings account is looking for definitive value.

The monthly fee is around $2.50, but it is waived off if you maintain a checking balance exceeding $3000.

The investment fee is relatively higher compared to some of its peers at $3 a month.

The account closing fee is much lower though at $15.

So overall, this is a mixed bag with some positives and some negatives.

The average rate of return is at par with most of the health savings account in this category.

This is what makes sure that there is a steady inflow of interested customers for this.

Opting for Multiple Health Savings Account Investing Alternatives

However what if none of the health savings account investments you look at don’t service your requirements completely?

There is something good in one and something in another.

Wouldn’t it be wonderful if you could combine the benefits of one with another?

Or, what if you managed to offset the problems of one with another?

This is exactly where you may want to invest in multiple health savings account in one go.

You can even divide your total contribution between an investing account and a spending account.

This will help you maximize the overall returns.

Let’s say that your annual health expenses for the entire family are close to $2000.

But as a family, you have decided to contribute around $6000.

So you can put the $2000 in a spending health savings account and invest the rest.

But you have to make sure that the total investment does not exceed the annual limit.

You can save on the transaction fees considerably through this.

Also, it keeps the money you need on an urgent basis handy.

That means you can take advantage of higher savings rate and at the same time cut down transaction cost.

This goes on to amplify your savings potential and cut down incremental cost.

The bottom line, therefore, is better value for money.

Conclusion

Therefore, we can conclude that deciding on the right investment opportunity can enhance savings.

Often people ignore the potential of the health savings account investment.

The idea is to look at them just like a regular retirement account.

That will make sure to keep a steadfast focus on HSA investment.

After all, it is never just about meeting your health-related expenses.

It is also an important vehicle to save taxes and enhance savings.

You can always look to maximize your dollar value by choosing appropriate HSA investments.

Moreover, your spending power also increases with proper health savings account investment.

11 Steps How to Make Money in Real Estate

If you have ever considered a stable source of investment, I am sure real estate has always come up as one of the sure sources of consistent returns.

Despite the ups and downs in world economic scenario, the real estate market has remained a favorite bet for investors for generations now.

Of course in the aftermath of the subprime crisis, you need to be careful about making money in real estate, but the real estate market has consistently yielded stable returns over the longer term.

However, you must remember that timing is a crucial element in real estate market transactions.

The sub-prime crisis in US can well be considered the nadir in real estate world, but the secret to how to make money in real estate market is not too difficult to guess either.

Perhaps the biggest advantage of making money in real estate is most of the dealings is for the longer term, and investment in a hurry does not work very effectively in this market.

How to Make Money in Real Estate Market

How to Make Money in Real Estate Market

One of the earliest lessons that you must keep in mind about making money in real estate is that patience and timing is crucial.

You cannot lose patience and neither should you be in a hurry.

So we decided to make the task even simpler for you with our easy list of how to make money in real estate market.

1. Buy Low

Buy Low

If you want to make money in real estate, you need to keep a hawk’s eye on the overall pricing element.

Most importantly, you must be mindful of the price that you buy the real estate property at.

Just like in stock market investment, the key to profit is buying low.

Don’t wait for the price to appreciate before you begin to buy the real estate of your choice.

Once you have undertaken a thorough research of the real estate market that you are targeting, you must then begin to pay attention to the buying price.

If the fundamentals and prospects of the property are clear, you must look at the prospect of buying it at the lowest possible price.

Don’t wait for demand to rise so much that you have to pay a premium.

If you want to make money in real estate market, you have to go for the cheapest bargain and then patiently wait for the price to rise.

Appreciation is undeniably one of the easiest and quickest sources of profit in the real estate market.

Whether you are looking at refinancing or selling your real estate property eventually, your extent of profit is directly dependent on the type of rate that you can make your initial investment.

Once you can ensure that you have bought the real estate property of your choice at a significantly discounted rate, and then every bit of appreciation in the price becomes your profit.

Whether you want to sell the property or put it up for rent, appreciation becomes your key armory to maximize profit.

2. Selling at a Higher Rate

Selling at a Higher Rate

Almost by the same logic that buying low helps in the real estate market, you can take advantage of selling higher.

If you are trying to analyze how to make money in real estate market, this becomes the most basic and pertinent lesson to master.

In terms of analogy, think about how you make a commodity or a stock market trade.

You always buy when the price is at a discount and when the price appreciates a lot higher, you decide to sell.

This makes sure that you can earn the maximum possible profit from the investment.

The same principle comes to play when you consider a real estate investment.

You must always target selling at a higher rate.

Not only should your selling price be higher than the buying price but this price should also help you recover the associated expenses.

For example, buying a real estate involves a lot of associated expenses like registration costs, transactions charges and legal expenses.

So when you are selling the property, you have to make sure that you get a price which covers all these expenses and still manages to book a decent profit for you.

This is the cardinal principle of a great investment strategy and one of the most primary pre-conditions that you must keep in mind in understanding how to make money in real estate.

Selling higher confirms to another primary aspect of real estate market investment, it reflects the premium that your investment commands.

It is a key indicator of the scalability extent of the property you have invested in.

If you get a significantly higher selling price, the profit prospect also rises a lot higher.

It also confirms your mettle in identifying profitable opportunities.

3. Rental Income

Rental Income

If you are keen about mastering how to make money in real estate market, one of the simplest solutions is to lease out your property or put it up for rent.

In fact, whether you are planning to invest in a residential or a commercial rental property, the revenue inflow is assured.

However, there are some basic calculations that you must keep in mind to realize maximum value from your rental investment.

The first and foremost aspect of investing in any real estate is location.

The location is often the primary factor that decides the future price appreciation or depreciation of a specific property.

This becomes particularly relevant if you are buying a rental.

Your primary target while investing in this type of real estate is to make money.

So in the absence of a suitable and strategic location, you will not be able to command a great rate for the property.

Forget about selling it eventually, if you cannot get a significantly adequate rent, you will not be able to recover your cost.

So whenever you are calculating your income prospect, you must always look at the difference between your initial cost, the daily maintenance and the maximum rent that you can get at any given point of time.

This will, after all, identify the exact extent of profit that you can hope to earn.

If you want to make money from real estate, there is another factor to remember while investing in rental properties.

It is the maintenance cost.

You must, on principle, avoid real estate that needs intensive maintenance.

This is because the recurrent expenses will eat into your profit from the rent income.

You can almost liken it to transaction charges in the case of stock market dealings.

If your transaction charges are too high, then your relative profit decreases and you would consider this as a bad trade.

Now you must apply the same principle while deciding on an investment in the real estate market. You have to effectively target a rental property that is

  1. Available for a bargain
  2. Has the potential to command a high rental
  3. Is strategically located to make sure you can charge a premium
  4. Needs negligible maintenance to maximize profit and limit losses

Therefore, when you are trying to earn profit from a rental investment in real estate market, the profit potential is always maximized by a healthy balance between returns and expenses.

4. Renting in Parts

Renting in Parts

Now renting real estate also has many dynamics to make it a more profitable deal.

One of the easiest options to make money in real estate is by renting out your property in parts.

For example, let’s say you have a duplex; the rent that you can get by leasing it out to a single family will always be less than the amount you can recover by dividing the house into two separate floors and renting them individually.

Another interesting aspect of this kind of real estate rental is that you are able to realize better value for your property.

For example, if you invested $100,000 in the property and have a mortgage payment of $500, a duplex apartment can yield you a rent of $700-800 on an average.

But the moment you convert them to individual floors, you get the flexibility to charge lesser and charge double.

So instead of $700-800 for the entire house, you can now charge anywhere between $500-600 per floor.

So on an annualized basis, you get to earn a cool $3000 extra, without any additional investment.

Therefore, renting in parts increases the overall returns in the real estate market.

Of course, the location yet again plays a crucial role in determining how much you can optimize the return prospects.

Supposing you have a property close to a college area or a workplace with lots of youngsters looking out for residential options.

Here, of course, you will able to make more money from the same real estate property.

Now compare this with the potential prospects of a residential property in a predominantly business area.

It will undoubtedly have much lesser demand, and the relative rate that you can get from that rental will also be significantly lesser.

5. Increasing Your Net Worth

Increasing Your Net Worth

When you look at how to make money in real estate market, it is, in general, a vanilla concept of how much money you are putting in and how much you can realize from it.

When you put in a lower amount and sell it at a higher amount, you earn a straightforward property.

But what if you do not have the cash required to buy the property?

How can you increase your equity even when you decide to invest in a real estate property using a loan?

Here your initial expenses include not just the price of the real estate property but also the financial charges that your incur.

So you can increase your net worth in this case by simply investing actively in rental properties.

The rental should be such that the rent should cover the maximum mortgage payout and it should still offer you a decent profit.

In this case, you generate some extra cash from investing a set amount.

This extra amount that you generate can be used for making further investment in real estate.

So let’s say that you used a mortgage to finance a commercial rental.

Now you saved whatever additional income the rent generated every month.

At the end of a year or even two years, you used this amount to buy another rental real estate, be it commercial or residential.

The basic idea is, therefore, for the same amount of money, you can generate additional wealth or in other words, make money from the real estate investment that you are engaged in.

This is often considered the ideal kind of return that you can expect from the real estate market.

However, for this, you need to be very alert about identifying potential properties and observe financial discipline in reinvesting this amount effectively.

6. Leverage vs Returns

Leverage vs Returns

If you want to get higher returns, the real estate market can offer the most sustainable and relatively higher returns over the longer term.

What makes the deal even better is increasing your relative leverage in the entire investment.

Let us take an example to understand this point a lot better.

Let us assume you invested in a property worth $100,000.

For this, you are leveraged about 20%. However, when you are receiving the real estate value, you will get the entire 100% on the real estate property that you are invested in.

Let’s assume that you are able to generate a rent of $700-800 and have a mortgage payout of $500.

So the balance $200-300 becomes your absolute profit on the real estate. 20% leverage on a $100,000 property means, your initial investment is close to $20,000.

On the other hand, the relative annual return is close to $3000-3500.

This means you are generating over 15% returns on the basis of a simple 20% leverage.

Now think of any other investment tool that can help you make money to this extent, given the leverage that you have in the market.

Additionally, given the long-term nature of the investment pattern in this market, you get much higher returns on a higher leveraged investment.

Also, this kind of investment pattern gives sufficient leeway to investors to leverage a relatively higher amount and optimize the overall profit that you can earn from the specific investment tool.

As an investor keen to understand how to make money in real estate market, the leverage -return balance is most evenly poised in case of the real estate world.

As an investor, you get a lot more opportunity and have a relatively limited risk, even while leveraging a higher amount.

7. Tax Liability

Tax Liability

Real estate laws are different in every country, but on an average, every country provides some kind of rebate or tax advantage on potential real estate investment.

If you want to understand how to make money in real estate market, it is very important to gain a comprehensive understanding of the tax implications of real estate investment.

For example, you must understand the types of real estate investments that can yield maximum value.

If the government has a higher tax rebate for residential vs commercial properties, you need to fashion your investment accordingly.

Also, if you realize that in residential real estate investment, rentals have better return prospects but purely residential options have a higher tax advantage, you would again need to recalibrate your investment decision.

You have to take into account the various costs and income prospects, and then take a call on the possible real estate investment that gives you the best value for money deal.

Often an inaccurate understanding of tax liabilities can erode your profits significantly.

You might end up paying a lot more tax than the actual profit that you might earn from a specific investment that you might have made in the real estate market.

Proper and detailed study of the tax implications can easily help you counter that type of losses.

8. Profit from Refinancing Opportunity

Profit from Refinancing Opportunity

When you look out to make money from real estate market, the possibilities are numerous.

The trick is how alert and vigilant you are in identifying these and capitalizing on them.

One of the best ways that you could try to make money from real estate is undeniably by taking advantage of the profit that you make once your refinance your real estate property.

In case your mortgage bill comes down significantly after refinancing the property, but the rent remains the same as before, the difference easily becomes your profit from refinancing your real estate investment.

What this essentially does, it generates a significantly large cash flow fro the same investment and irrespective of ups and downs in the real estate market, your profit remains constant in this case.

You can look to reinvest this profit back in the real estate market and expand your overall equity.

Or else you could also look at preserving cash and increasing your cash flow in the market, depending on your preference.

The moot point is this becomes one of the most convenient ways to generate additional cash or make more money from real estate.

9. Commercial Property

Commercial Property

So far most of our how to make more money from real estate was biased significantly towards residential real estate, both rentals as well as holding property.

However, commercial real estate remains one of the most under-utilized avenues of booking profit in the real estate market.

The billing rate and the profit parameters of commercial real estate are very different from residential.

This difference can enhance the profitability of this kind of investment in the real estate market.

You must understand that commercial properties gain value based on two primary factors, location and strategic importance.

So the cardinal rule while investing in commercial real estate is undeniably location.

Whatever you might consider and however cheap rates you might be getting for; it is never wise to invest in commercial property in an underdeveloped area with low prospects of business activity.

The problem that you would face is this type of real estate investment is that the rate of appreciation would be much slower and the average rate of a slump in rates will be higher in case the market sees a downturn.

Moreover, commercial properties are interesting real estate investments for the kind of value that they encompass.

However, in the absence of a suitable locality, this value gets eroded significantly, and you might even reach a state where you would try hard to get rid of it even at a loss.

This type of eventuality can be avoided, and you sure can make more money from your real estate investment if you are careful about choosing the location of the commercial property, and at the same time, able to gauge the business prospect of the area accurately.

10. Investing in Real Estate Land

Perhaps when you talk about how to make money in real estate market, this is one aspect of real estate investment that absolutely escapes your attention.

Yes, I am talking about investing in a land where you can build real estate.

But then again in case of land too, the same prospects lead to price gain or depreciation in value.

It is possible to buy under-developed land and then sell it at a premium when the area and the land get developed.

Your basic principle of buying low and selling high comes into play in this context.

Once the real estate developers start raising buildings- residential/commercial, depending on the need, the value starts rising, and you can hope for sizeable returns on your initial investment.

You could also consider investing in agricultural land or mineral rich land.

Depending on the mining activity that is undertaken or the agri-initiatives by the landowner, the relative value of the land could shoot up rather high.

Here again, locality and the prospect of the growth play a crucial role in determining how much money you can make from this type of investment.

11. Real Estate Appreciation & Inflation

Real Estate Appreciation & Inflation

Well when we discuss ways to make money from real estate market, appreciation is often the keyword.

Appreciation decides the amount of profit you make to the relative premium you can get from these investments.

But here is a little bit of complexity that gets added to the simple mathematics of buy low-sell high and profit from the difference.

In very simple words, it is the impact of the ‘inflationary forces’.

The economic implication of inflation is in fact quite far reaching and pretty long-term.

So if in the five-year period that you invested in a specific real estate, the inflation rate rose by 10%, it means that the relative amount of good that $1 dollar could buy gets reduced by 10%.

Or for the same amount of service, you have to shell out 10% more.

This, therefore, needs to reflect in the rate at which your real estate investment appreciates as well.

Only then, you will, in reality, make more money with the same amount of investment.

Calculation of the inflation impact is particularly important when you are undertaking long-term deals in the real estate market and committing a rather large cash amount for it.

Let me help you understand this concept with an example for better understanding.

Let’s say you bought a house in 1980s for about $100,000.

Even if you did not invest any amount in decorating the house or doing it up, it would still be worth a lot more than the amount you invested simply because of the steady rise in inflation in the period in between.

Even if that property remained absolutely dormant with no development at all, you will still be able to realize a significantly large amount from the same investment just by virtue of upward rise in inflation.

Therefore when you are exploring how to make more money from real estate, the long-term strategy is often the crucial game changer in this context.

Given the pace at which the global economy is growing and the relative rise in inflationary trend, just by holding a real estate property for sufficiently long time can help you realize decent gains from it.

The inflation-appreciation link in real estate market also, therefore, seals the importance of long-term holdings in real estate world.

If patience is considered virtue, it does not reflect it as effectively anywhere as you would see it in real estate market.

In fact, you can often consider it the best place to take advantage of the positive up move in inflationary forces in many circumstances.

So… It Is Possible to Make Money in Real Estate

Therefore, we can conclude that if you are interested in how to make money in real estate market, the extent of opportunities is pretty varied.

As is the case in any other investment, this asset class sure has its ups and downs, but over the long-term, the real estate market often offers the best cushion against global economic turmoil.

Pretty much like gold, real estate investment often helps you preserve your capital better, offer a rate of returns and significantly reduce the losses in terms of a sudden downturn.

However, you must understand that while you can make money from real estate market, it is a rather illiquid (thin) asset class in terms of crisis.

So, it advisable to maintain alternate investment options as well and keep a steady cash flow.

Just like they say ‘never put all your eggs in one basket,’ it is better to diversify your investment as well.

Earnings Calendar and Stock Price Estimates

The earnings calendar is decidedly one of the most searched documents during earnings season.

It gives you both long-term and short-term cues for the market.

It helps you take a call on the markets.

Earnings calendar is like a ready reckoner for the top market cues at any point of time.

You get a perspective on the business fundamentals and technical triggers in one go.

For the uninitiated, the earnings calendar is that one cue that can pretty much seal their profit margins.

However, for many new investors, terms like earnings and earnings calendar can be rather intimidating.

In very simple terms, earnings refer to the quarterly performance results that all public listed companies announce.

Earnings CalendarThe earnings calendar is essentially a document that keeps a record of all dates when the various companies will announce their results.

It also gives time for the management speak post earnings and even earnings call.

But then are you wondering, it is the earnings that matter, why the earnings calendar?

Well, I am sure you know about the economic calendar.

It records data of all the important economic events.

Have you wondered why it is as important as the economic data that it documents?

The reason is quite simple.

It prepares the market for a variety of the events that are going to unfold.

Many investors may tweak their investments according.

Well, the earnings calendar plays a similar role in the markets.

The economic calendar offers broad market cues, but earnings calendar makes the cues lot more stock specific.

It is about how well you can prepare for every individual stock in your portfolio.

In fact, the earnings calendar offers one of the fundamentally most important cues.

They go on to impact individual stocks and market mood too.

Who Makes the Earnings Calendar?

The primary question is who makes the earnings calendar.

Most times corporates declare a specific timeline for their earnings.

They even mention a set time for declaring the results and conducting earnings call.

All this information is generally available on stock exchanges.

One way of getting the information is by browsing the individual company pages on stock exchanges.

By doing this, you can get information about individual companies.

There is also another way of getting the same information.

Most brokerages have analysts who research a variety of sectors.

Every brokerage covers a certain number of sectors and specific stocks.

Now the analysts often collate all the data together and put it out as one complete calendar.

You often see investment commentary sites like Bloomberg or CNBC also providing you with this collated data.

They have the in-house research division that collects all the data and lists them on one site.

The idea is to continue with the investor convenience objective that the earnings calendar is all about.

This collating the information from individual companies and jotting all together is a step in that direction.

It creates a one-stop shop for all the information and empowers investors a tad more.

Alerts Analysts About Urgency of Earnings Estimates

The moment a company declares its results, we tend to compare with the earnings estimates.

Analysts dish out instant estimates, put out tentative outlook and then compare with the actual numbers.

But have you wondered how they can calculate these numbers so fast?

It is not that easy to compute such complicated numbers at such a short notice.

You have to account for several scenarios, take into account different developments and then compile them.

Moreover, you will have to take the economic situation in consideration too.

Now with all these factors, it is essential to have time in your hand.

This is where the earnings calendar comes handy.

It keeps the market and the analysts on their toes always.

You can get information about the key earnings dates well in advance.

Analysts can then use this information to their advantage.

They can use the additional information to create a meaningful database of information that can help their analysis.

Additionally, this information helps them to tweak the information and estimates too.

For example, there is a distinct increase in retail sales during the holiday season.

So when analysts are computing estimates for January quarter numbers, they have to consider it.

But the April sales may not be comparable with November-December sales.

But the analysts are able to factor in all these differences only with the help of earnings calendar.

They can account for the changes in customer trends with the help of this calendar.

This is their most important vehicle to stay ahead of the curve and the trend.

Often the earnings estimate are calculated on the basis of when the earnings will be announced.

So the earnings calendar sets the tempo, tone and tenor of market movement.

Investor Convenience Is Primary

But more than analysts, it is the investor convenience that the earnings calendar focuses on.

Remember that the earnings calendar helps organize a whole gamut of data.

The earnings season is normally very hectic.

You have a truckload of companies announcing their numbers.

Now some market heavyweight companies impact the sectoral movement too.

Often their earnings impact how the rest of the sector reacts.

Moreover, when you have just one investor keeping track of a large number of data points, it can be overwhelming.

But with the earnings calendar, it is streamlined to a large extent.

Earnings of various companies are neatly stacked on a monthly, weekly and daily format

Most earnings calendars are very meticulous, so they also include a specific time for earnings too.

That means the investor is not just prepared for specific company earnings on a given day but also the time.

Often the earnings are arranged in an alphabetical fashion.

They may sometimes be arranged as per date.

So as a result, however, the earnings calendar may be organized, there is hardly any way to miss any result.

That means investors do not have to sweat about missing any information.

The earnings calendar is all out to help you with key details.

It keeps investors on their toes with all relevant information.

So if on any given day, you want to know what stocks to bet on, the earnings calendar provides necessary cues.

For example, if the street is estimating better than expected results by Apple, it sure means tech sector will be in focus.

Apple traditionally has a record of delivering better than expected results.

So it will make sense to bet on Apple or tech sector in the morning.

The prices will decidedly shoot up post earnings announcement.

Timing Entry and Exit in the Market

Normally an earnings calendar has some crucial data inputs about the market.

From the date of results declaration to the precise time when results will be announced, it provides crucial triggers for the market.

So on any given trading day, it provides investors the most important stock cues.

For example, if results are being announced today, I will avoid taking fresh positions right today morning.

This is if the estimates suggest that the results may not meet expectation.

Moreover, there is often volatility in the specific counter or sector ahead of results.

So the earnings calendar offers investors key inputs about when to enter and exit the markets.

Timing the markets is one of the trickiest aspects of trading.

The markets are uncertain in nature.

You can never predict the market entirely.

What most investors rely on is the overall trend and direction of trade.

The earnings calendar is that unique key that helps investors get an edge.

It often gives you a hint of cue that you must follow.

Let me give you one real-life example.

One morning soon after trading began I noticed that a small cap counter was racing forward.

I checked, but there were no real cues that can justify.

Very intrigued, I kept looking for a trigger that may drive up prices.

In that search, I looked into the earnings calendar too.

It had announced results, but there was nothing extraordinary in the numbers either.

That is when I noticed that the earnings calendar also listed an earnings call same day evening.

The management was very positive about the future outlook.

The stock jumped as the company expected sales to double next year.

There you see how the earnings calendar helped me navigating my trade.

Earnings Calendar Influence Stock Picks

This is particularly an important trigger when it comes to stock picks.

An earnings calendar is rather useful in this context.

Let us say I have a specific number of bluechips in my portfolio.

But I am now keen on incorporating a few midcaps too.

The question is how I look for value buys in the midcap segment.

The earnings calendar offers important clues in this aspect.

One simple approach is analyzing the earnings and looking for the best bets.

Basically, the fundamentally strong companies will deliver strong results.

They may exceed estimates or may be in line with the analysts.

Most importantly, it is important to analyze the management view.

The earnings call timings are also listed in this category.

The management often gives out key projections about their future in these earnings calls.

Many companies undertake conference calls with analysts too.

Even that is listed on the earnings calendar.

That also offers key stock cues for the investors.

Investors who are tracking a specific company for a certain number of years know them lot better than most investors.

So when they ask management pointed questions about their growth, you know the triggers that you must look for.

So you get a treasure trove of information about a specific stock.

All of this is powered by the information from a single earnings calendar.

It is, therefore, a powerhouse in terms of providing market cues.

It is practically a one-stop shop that offers you every possible clue about the stock.

Using that one earnings calendar, you can estimate the business fundamentals.

It also offers future growth triggers and other growth catalysts.

It tells you the exact timeline when you can expect certain development.

That decidedly plays a key role in creating a convincing investment plan.

Cues For Futures Trade Tool

The Earnings calendar is a necessary tool for day to day trading.

Even if you see the way futures trade pan out, the earnings calendar offers crucial information.

Let us understand how a futures trade pans out.

Invariably, you have a host of speculative stock positions.

Futures is all about assuming that a particular development will happen in future.

The pricing is effectively based on these assumptions.

Let us say that the investors expect the price to go up or down on the basis of key factors.

The earnings is one such unique factor impacting stocks significantly.

I know that the earnings will be announced by a company in a specific month.

So if the estimates are already doing the rounds, then I can take a futures position based on that.

This will help me get an edge over other investors who may not track the earnings calendar.

Moreover, the information about earnings call is also available in the same calendar.

Investors can easily log on to these earnings call and tweak their futures positions accordingly.

They provide important outlook about the future that can easily help you to book meaningful profit.

Another reason why earnings can offer meaningful futures trade is that of the pre and post-market trade.

Many markets want to avoid the volatility in the regular trading hours.

So they go ahead and announce their earnings in post-market or pre-market trading hours.

Now if you already know the time when the earnings will be announced, you can easily position your trade accordingly.

It will help you get an edge over other investors who may not have access to either of the factors.

This is, therefore, one of the most important advantages of keeping a regular tab on earnings calendar.

Take Advantage of Historical Price Movements around Earnings

This is another way of gathering stock cues using the earnings calendar.

The earnings calendar is never about just future earnings date.

It practically records all the earnings date, previously and in future.

In that context, investors can also track the stock movement historically.

It will help you get a firsthand idea of how the stock is set to move.

This is useful as it becomes the key insurance against potential miss by analysts.

Let’s face it; analysts are human after all.

It is possible that they may not always be successful in anticipating the earnings.

There can be one-off triggers that can significantly impact the overall study.

More importantly, different analysts will employ different parameters to base their analysis.

But if you take a note of the previous earnings date from the results calendar, you can easily gauge the mood and the stock reaction.

Of course, this may change based on negative and positive results.

But tracing the historical charts will give you a basic insight on the trend and direction.

Analysis at that juncture becomes fairly easy.

It helps you important conclusion about the price trends in a specific stock.

The only way you are getting all the data and analysis is the earnings calendar.

It offers you a host of historic data and empowers investors with useful trading know-how.

Often this is the basis of many technical analysis.

So even experts refer to this historical data for better know how.

The whole idea is to take a peek into history and look for clues for future.

This will help in getting a much deeper and better understanding of specific stock behavior.

Needless to mention, it adds more power and depth to their market understanding and stock position.

Conclusion

Therefore, if you are looking for the single most power stock market tools, the earnings calendar is one such alternative.

What is striking is, it is inconsequential in itself but helps you get a truckload of information all at once.

You may not be able to track corporates one by one individually.

But the earnings calendar helps you get all the information under one title.

So in many ways, if you are looking for a ready reckoner in the market, the earnings calendar is the best option.

If you are looking for fundamental cues, technical assistance and want to dig into historical data, the earnings calendar is the best option.

How to Read Stock Charts Properly

Learning how to read stock charts is an art in itself.

The stock charts are practically everywhere.

You switch on the television or open a stock magazine; these charts are practically everywhere.

You want to read the stock charts, but the problem is way too much data.

Often the sheer inflow of raw data can be overwhelming for new users.

Without understanding how to read stock charts, we often rely on experts to guide us.

But the fact is they rely on these stock charts to guide you.

So, all the information that you need is stored right here.

The good news is you can actually be on top of the charts.

Investment in stock markets is all about application and practice.

It is essentially about how you can use the market forces to seal your profit.

But the problem is most of us start investing with no real understanding as such.

How to Read Stock ChartsOur motivation is often the kind of profit our neighbor clocked.

This is the reason that there is a severe need for skill up gradation as we progress in trading.

How to read stock charts properly is more about experience and diligence in trade.

This is the key factor that differentiates a novice from a professional.

It empowers you to make informed choices in terms of boosting your investment.

That will then help boost the profit margin to a large extent.

Tracking the stocks and the charts closely ensure that no one can mislead you regarding markets.

You can analyze the stock movement and take a call on the risk involved.

This is one concept that can provide better value to the investor.

They are able to identify trends and long-term call based on a meaningful evaluation.

What Is a Stock Chart?

Before you learn how to read a stock chart, it is important to understand what is a stock chart?

Very simply put, it is a graph that etches out the stock’s movement.

It is plotted using price points at which the stock is trading at a certain level.

A typical stock chart has an X-axis, Y-axis, time duration.

So technically, this is a regular chart that you learned plotting at the high school.

What is interesting is the time period that is used for charting this.

It can be charted on daily basis or a weekly basis.

You can even have charts spanning over months, years and sometimes even from the time the stock started trading.

Candlestick ChartDifferent time periods help you understand different aspects of price trend in the same stock.

You get to know key elements about the highest price the stock ever traded.

This may also vary depending on the time period you chose.

Similarly, even for the lows that the stock hit, these charts are very easy reference points.

This is perhaps the basics when you set out to read stock charts in a comprehensive way.

Apart from tracking the regular opening and closing rates, you also get an idea about the tentative range that a stock operates in.

The stock chart may be plotted differently for different purposes.

On an average, you have

1. Line Chart

Gives a clear picture of the overall stock price movement and how the stock is panning out.

2. Bar Chart

This helps you to identify the prevailing trend and also time your entry and exit.

3. Candlestick

Candlesticks are visually appealing and invariably very convenient to interpret.

Your final analysis is generally a sum of these elements in harmony.

The idea is to master them individually and together.

How to Read Stock Charts

But there is a huge sea of information, and the question is what should you read and how?

The most critical information in your stock chart is undeniably the state of the stock.

What do the prices indicate, how are they poised and what is the trend direction?

This is undeniably one of the most important information that you can get from the charts.

It is most important to understand whether the price you are buying the stock is appropriate?

You can get it higher or lower going forward.

But as long as you can identify a broad trend, you can also create standard risk assumption.

It will tell you whether the stock is in between, middle or end of trend.

That is an important premise to base your judgment upon.

The next important factor to read is how strong is the trend?

As an investor, you must probe if this is a momentary blip or a long-term trend.

That alone will help you make a convincing call about the future.

The trend lines are crucial indicators for a fair assessment.

It gives you an idea about the wave that the specific stock is in.

Based on these charts, you can also calculate moving averages.

The support and the resistance levels are also very clearly etched out on the stock chart.

All of these numbers are again important indicators.

They tell you if a rally is in the offing and if the chart will break out any time soon?

The charts will also show the general market sentiment on the stock at this point.

All of these are important factors in learning how to read stock charts properly.

They help you proceed in step by step format to understand the nuances of trade comprehensively.

1. Analyzing Price & Volume in Stock Chart

When you learn how to read stock charts, price and volume are some of the basic parameters that you master.

You must remember that different types of charts display different information.

But one basic factor is constant about all charts.

They all highlight price and volume movement.

So whether you have a bar chart or a line chart or Candlestick, it is hard to miss this one.

Every stock chart will demonstrate the price and volume movement at a given instance.

The price history is perhaps one of the biggest constants across the stock chart.

Depending on the period the chart is plotted, you have a fair idea of the price movement and volumes involved in the trade.

Let us take the example of a daily chart first.

So here you will have the price points the stock hit on a given day, from the start of trade till the end.

But when you see the weekly chart of the same stock, it is computed on a weekly basis.

Perhaps that is why this one will have the closing rates of each day.

In other words, it highlights the weekly assessment of prices.

So if you have sharp ups and downs in price movement, you have pronounced peaks.

At the same time, if the price movement is range-bound, you will see the stock price plateauing at that point.

The next is the volume of stocks that are traded.

For every time period that the chart is computed, you will see this bit highlighted.

You will see the kind of volume that has been traded for a specific period.

This will often give you hints about the distinctive interest and trend.

Therefore, both these factors offer crucial information about the broad trend in the market.

2. Dealing with Moving Averages

Moving AverageThe next most important element that these stock charts reveal is the moving averages.

These are primarily plotted to ease out volatility and provide a definitive trend for the stocks.

They offer a direction in which the stock is moving.

They also provide an appropriate context for the overall price and stock movement.

Any potential divergences then become more straightforward to spot.

You can easily identify any possible aberration from the normal trend.

One of the most common and talked after moving average is the 50-day Moving average.

This is undeniably one that is followed most extensively.

It offers the price movement of a stock over a 50-day period.

So you easily get the average price over the 50 trading sessions.

Another widely followed benchmark is the 200-day moving average.

In this, the stock’s movement is traced over 200 days and then the average price is calculated.

Well, I am sure; you understand that this is the average price over 200 days or 50 days.

But the question is how this information helps me to read stock charts?

More importantly, how do I interpret this information to my advantage?

Well, you see that most financial investors prefer to see the moving averages trend up.

Another factor is that they prefer the stock price closer to the trailing average.

They consider that these two are vital signals indicating that the stock is trading in the right direction.

In case you are looking for value buys, experts will tell you that you must look for stocks that are trading below the moving average.

They hope that they are picking the stock at a discount and it will soon catch up with the key averages.

The volume during this period too plays a crucial role in determining stock value.

3. Interpreting Support and Resistance Levels

Apart from the volume and averages, there are some other key levels too.

It is important to analyze these levels in the stock chart as well.

Normally these levels are crucial in determining the entry and exit points in a stock.

You have understood fairly well that charting stock price is all about creating price points.

Certain prices offer reasonably good entry points.

On the other hand, the price may offer good levels to book profit.

Again I am sure you have heard about the psychologically important levels.

Often when the stocks breach these points, they are said to embark on a new trend.

These levels are often referred to as the support and resistance levels.

On the stock charts, you can see them as troughs or peaks.

You will notice that the stocks tend to drop around certain levels and then they rebound.

Support refers to the lower price from which they rebound.

In many ways, these become a floor of sorts for the stock price.

Similarly, there are points till which a stock rises, but they are not able to go beyond that.

They repeatedly face resistance at the price zone.

As a result, that level is popularly referred to as the resistance zone.

As a result, the support and resistance levels are key price points to watch.

When the stock breaks through any of the two levels, it is indicative of a new trend.

You see stocks embarking on a renewed uptrend when they break a resistance zone.

Similarly dropping below support levels may be worrying and this may lead to renewed selling.

Therefore, both these price points help determine your stance on a given investment.

Depending on what level it has cracked, you can take a call on future action.

4. Identifying Dividend & Stock Split Trends

When you are learning how to read stock charts, remember they don’t just point to price moves.

The charts almost invariably also point to every small and big development in the stock.

Therefore, they also highlight significant movement in the stock price around this development.

Normally a stock split and dividend issue is a fairly important event for the stock.

Most stock charts record this event towards the bottom of the graph.

A dividend is a small share of the profit that the company decided to share with you.

This will also depend on the exact amount of stocks that you own.

So when you read the stock charts carefully, you will be able to note down all these development thus far

Often this historical record will also offer you key inputs about future movement.

So, in a way, this chart helps you understand the individual stock movement at certain specific points.

This may also offer an interesting insight into future stock movement.

The stock split is another such development.

This is essentially a board decision that allows more share offering to the public.

But at the same time, it is important to take note of the share value at these points.

Remember the core value of the company may not change but the share price will.

Often a share split encourages more investors to buy the stock.

So, the charts will showcase a definitive uptick.

So, at certain times, the stock split leads to increased demand.

That always has a bearing on the overall stock price.

It will, no doubt, be impacted by any change in demand.

The core idea is to carefully observe the stock movement at all such points and tally the critical price points.

This will help in identifying important price points.

Why Is It Important to Analyze Stock Charts?

Now we do understand that a stock chart reveals crucial data.

But do we need all that data in our day to day trading?

More importantly, how can that data help us in getting an edge in our investment?

Well, to understand this element, you need a broad understanding of how the market works.

The average retail investor like you and me form a minuscule part of the entire trading shenanigans.

Fund managers and big institutions actually undertake almost 80% of the net trading activity.

Most of the stock movement that you see is the outcome of the variety of stock calls that they take.

Most of the price movement is the outcome of the buying and selling that they undertake.

So as a retail individual investor, you have to merely be part of the trend.

You have to watch out for your long-term goals and ensure that you can realize a relative amount of profitability.

This is where the stock charts will help you achieve this goal.

Learning how to read the stock charts properly will ensure that you are able to identify the trend quickly.

You can then use this information effectively to preserve your profit.

Remember your relative stake in the market is much lower than these fund managers.

Your trading call will not impact the market.

But these charts will help you safeguard your investments from becoming prey to aggressive selling or euphoric buying.

Conclusion

Therefore, retail investors like you and me need the stock charts to make informed choices.

Buying stocks and tracking charts is not just about identifying key price points.

You have to apprehend the trend appropriately and create meaningful investment positions.

In this regard, learning how to read the stock charts properly can help you to a large extent.

Knowledge is power and knowing how to read stock charts will help you wield that power.

Retirement Savings by Age and Why

Retirement savings by age is invariably tricky business.

Whether you like it or not, age plays a crucial factor.

It is essential to know whether you are ahead or behind the retirement savings curve.

This is the reason why retirement savings by age is considered an important element.

Often this is that crucial factor that helps you assess the extent of your retirement savings appropriately.

In fact, often the trick and tips for retirement savings are closely linked to this factor.

After all, this is not just any savings but one of the most important financial goals for anybody.

Ideally this is your nest egg that will sustain you through ups and downs in your older days.

Retirement Savings by AgeThis is that kitty that will give you financial independence when you are no longer in a state to work.

It offers you that necessary confidence and means to live life your way after you retire.

But the trick is how you can tip the retirement savings scale in your favour.

Let’s face it; few start thinking about retirement in the late 20s or early 30s.

Mostly by the time, you start considering savings, you have passed your prime already.

That is why retirement savings by age becomes so crucial.

It gives you the confidence that it is never too late.

If you do a proper assessment, you can achieve your financial goals to a certain extent.

By the time you retire, the age by which you start the savings does not matter.

All that matters is the right amount of money is there at your disposal.

So we created this quick and convenient guide to help you glide through retirement with ease.

This is a handy retirement saving by age ready reckoner useful for all ages.

How Much Should You Save By Retirement?

The moment we discuss retirement savings by age, the critical concern is how much do you need.

The retirement savings amount will keep changing with age and your financial situation.

The 80% rule is perhaps the most pertinent.

Most financial experts believe that you must have at least 80% of your pre-retirement salary every year.

That means if you are earning around $100,000 just before retiring, you must be able to generate at least 80% of it.

That means your retirement income has to be around $80,000 annually.

That will make sure that you have a comfortable and well-provided life even after you retire.

Depending on the source of income and regularity of income, you may adjust this figure up and down.

It will also depend on the kind of lifestyle that you may choose to live after retirement.

Remember this is a ballpark figure.

It will change marginally depending on individual circumstances and situation.

The basic idea is to provide adequately for future necessities.

Most importantly, this savings has to be inflation adjusted.

That is exactly where retirement savings by age becomes very crucial.

But the question is how you make sure that you have $80,000 annually after retirement.

This is where the 4% savings rule comes to play.

This will give you a fair idea of the retirement savings you must have to generate the type of income you want.

Let us take the previous example of $80,000 annually.

Divide this amount by 4%.

So your nest egg has to be close to $2 million.

This, of course, assumes about 5% return on your investment and no scope of additional income.

But remember this is just a broad assumption.

The real needs may differ slightly depending on the variety of circumstances.

Average Retirement Savings Seen Thus Far

Now let us move from the realms of assumption into the reality.

It is a good idea to assess the average retirement savings by Americans.

That will give you a basic idea of how much you must have

We know that there is always one ideal savings limit.

But most times, this may be an uphill task for many.

The US Economic Policy Institute claims that the average retirement saving is well above $95,000.

But you must remember that almost half of US families do not have retirement savings.

The retirement super savers often boost the average number in this regard.

Perhaps the median retirement savings is a more realistic representation.

The median savings, in this case, is often as low as $5000.

Now that is a whopping $90,000 gap between the two numbers.

Probably it highlights the variations and differences in retirement savings trend in a conclusive fashion.

Different age groups have different savings habits.

But the good news here is whatever your age may be, there is always scope to save more.

We have broken down the average savings in an age-wise format.

This will help our readers how much they need to save and when.

The age wise formatting often helps to serve as a clarion call.

This will make sure that whatever age you may be, you can boost your retirement savings.

This, in many ways, will also help you estimate the tentative figures you have to keep in mind.

After all, retirement savings by age is creating a target based financial plan.

It makes sure you can fill up the savings gap in creating the appropriate nest egg at every level.

It is often the most realistic retirement savings plan for both professionals and business owners.

What Is the Ideal Retirement Savings by Age?

1. Ideal Limits for Those in the 20s

Most of us begin our careers in our mid to late twenties.

Most times savings is perhaps the last of the prerogatives.

There is that euphoria of income coming in.

Along with that individuals are struggling to balance low wages and huge student loan burden.

This is, after all, the millennium generation.

If you take a realistic retirement savings assumption, most estimates peg it around $30,000.

Most financial experts peg that at 25, they must save enough to make sure they have at least a year’s salary by 30 years.

According to the US Labor Bureau, the average salary of the 20 something is $40,000 plus annually.

This means that they may have to save close to 60-65% of their salaries as retirement savings.

That will make sure that they are definitely on track to save adequately for a decent nest egg by the end of their professional career.

Remember your savings will last you for at least 30 years after you retire.

So it is very important that you provide for your savings accordingly.

The average growth rate of your nest egg is around 5-6%.

This is taking into consideration only basic interest rate on savings.

It does not account for additional salary or heightened interest rates.

Those are always additional factors that can surely boost your savings to a large degree.

But the $30,000-31,000 is the key figure to take into consideration.

That amount will make sure that you provide for the nest egg appropriately at this stage.

2. Ideal Limits for Those in the 30s

This is a crucial phase in anyone’s life.

By the time you reach 30, you have been able to pay off most of the student loan.

Most importantly you learn how to negotiate salaries.

On an average, individuals start earning a lot more at this stage.

So they have a relatively higher amount of money that they can allocate to savings.

However, this is invariably also the age when they begin to consider settling down.

They get married and many have kids too.

Again, retirement savings is hardly on the priority list.

Marriage, house, children and their education is the predominant consideration.

But at the same time, remember even the smallest of savings can enhance the overall nest egg.

The stress should be creating effective savings habit.

Remember we spoke about the retirement supersavers skewing the balance, this is the age to get started.

Learn to create a budget and then stick to it in a holistic manner.

Create spending records to keep a careful track of every penny that you have spent.

The least that you can do is begin to match the 401(k) contributions.

That can go a long way in boosting the overall kitty.

Between the age of 32 and 37, the average savings hovers close to $32,000.

This amount increases dramatically as individuals move to their late 30s and approach early 40s.

Between 37 and 45 years of age, the salary and savings number sees a sudden jump.

The annual average salary spikes up closer to $68,000 as they approach closer to 40.

Now, this also has a relative bearing on the amount of desirable salary and what they can save.

So most experts say that by 35 individuals must have twice their annual salaries saved.

This is on the basis of various factors impacting savings

3. Ideal Limits for Those in the 40s

Now, 40s are one of the most crucial phases in an individual’s career.

The chances are your salary negotiation skills are at its zenith.

This also means you are earning a lot more than you ever did.

But the problem is that this is also a phase where your salary may be close to peaking.

You may be carrying a lot less debt and your salary is at the peak.

Therefore by the early forties, you must target at least 3 times your salary saved.

By the time you are forty-five, this amount needs to rise to 3.5x your annual salary.

But remember there are some crucial pressure points at this juncture.

Chances are your kids are graduating from school.

If you have not already provided for it, there is urgent need to address it.

The average salary at this juncture is around $67,000.

By late 40s, around 48-49 years the salary increases to over $80,000.

This is a crucial phase for individuals.

There is more money available and at the same time, you have time running out of hand.

On a monthly basis, if you apply the 80% or the 4% rule, you will still need to save 25-30% of your monthly salary.

That will hold you in good stead to work out a reasonable nest egg.

The actual savings rate of most Americans is much lower, barely 5%.

There is potential to save at least 20%.

So that is where the gap between average and median savings springs up.

Moreover, individual salaries and liabilities will also have to be accounted for.

On the whole, you can deduce that it will be a good bet to save anywhere between 20-25% of your salary.

This is often the make or break period in creating comfortable retirement savings.

4. Ideal Limits for Those in the 50s

The normal back of the hand calculation signals that by the time you are 50, you must have five times your annual salary.

You have already past the prime in terms of career and salary opportunities at that stage.

The only positive is at this stage, most of the liabilities are behind you.

The children are already pursuing their chosen career.

You may have already repaid your house loan, provided for children’s academic needs.

But this is also the stage where medical needs start taking precedence.

This is a phase where individuals begin to provide for their future medicare needs.

While you are in your early 50s, you may target 27% of your salary as retirement savings.

If you follow the retirement savings by age policy, this percentage reduces somewhat post 55.

Between 55-60years, individuals will have to target saving about 20-22% of their salary.

This is in many ways a phase when you can begin to take things a little easy.

If you have followed a decent savings graph thus far, you have a reasonable cushion to fall back on.

Another advantage is that post 50, you get an opportunity to supercharge your savings at this juncture.

You can even start making catch-up contribution in your 401(k) account.

As per targets set by financial experts, you need average $1 million retirement savings by the end of your 50s.

However, the real numbers are much lower.

On an average statistics indicate that the retirement savings at this age are closer to $164,000.

That is significantly lesser than what the experts suggest.

So 50s is practically your last chance to play catch-up on your savings.

This is the time you take stock and undertake whatever possible course correction.

Beyond this point, you may not get an opportunity to fill the gap.

5. Ideal Limits for Those in the 60s

When you are considering retirement savings by age, this is pretty much end of the road.

While you are in your early 60s, the average calculation points to 6 times your salary.

If you consider the median retirement age as 65, your savings have to continue at the same rate as your late 50s.

So target anywhere between 18-22% of your salary.

But remember the retirement savings amount that we have outlined thus far is the pre-tax amount.

It is also the time to take stock of the basic return on the savings you have done so far.

That will also have a bearing on the final nest egg.

Your late 60s is also the time that you have to start undertaking lifestyle changes.

The idea is to get used to a fixed income amount.

That means you do not sit back and relax with whatever you already have.

This is the time to explore every other opportunity to boost the retirement savings.

That is how you can make sure that you have a comfortable amount saved for your retirement days.

Taking a realistic perspective is very important at this juncture.

If at all there are options to boost your salary, this is perhaps the only opportunity left.

Conclusion

The numbers and percentages that I have offered here for creating retirement savings by age is an average.

Remember when it comes to savings and retirement nest egg, there is never a formula that fits all.

You have to take into account changing expense scenarios and differing lifestyle.

Moreover, no two people may be earning at the same rate.

You have to also account for social security money that will be added to your retirement savings.

But at the same time remember retirement savings by age is largely the pre-tax amount.

So you have to take steps to gradually add to your retirement savings.

Moreover, a systematic approach like retirement savings by age will ensure a comfortable nest egg.

Will DJIA Futures Go up or Not?

DJIA Futures play a distinctive role in the markets.

The DJIA Futures is the abbreviated version of Dow Jones Futures.

DJIA is the symbol with which this Future trades on the exchanges.

On an average, most market men consider it as one of the most definitive market indicators.

Often beginners in the market may be confused about the role played by the Dow Futures.

They are unable to comprehend why the Dow Futures signal the market pace in such a significant manner.

DJIA FuturesFor that, it is very important to understand what’s the DJIA Futures?

That alone will help them in understanding the role it plays.

This is one of the most important indicators for the market.

The question is then why does it play such a pivotal role.

Most importantly, there are fundamental concerns like is it different from the main Dow Index?

So that goes on to establish the need for understanding the basics of DJIA Futures.

Moreover, a better understanding of the core component also helps you identify the triggers.

So let us first get a detailed understanding what comprises the DJIA Futures and how you can trade it?

Knowing What Is DJIA Futures

In simple terms, these refer to future contracts of the Dow Jones.

A futures contract is generally a legal agreement between two parties.

It can be between two individuals or even an institution.

They agree on a certain payment arrangement on a specific asset class based on price movement.

They are legally bound to transfer the asset or the money as per the terms of the contract.

So it is like going to a shop and buying a dress.

Both the parties strike a deal.

Let us say they expect the Dow to hit a certain level by a certain date.

Now X agrees to pay Y the difference between the actual closing price and the expected rate on this specific date.

But in this context, the futures are slightly different from Options.

In case of Options, the holder has the right but not the obligation to exercise it.

But a Futures contract has to be exercised on the appropriate date of settlement.

These DJIA Futures trade on the exchanges.

So indirectly the exchange becomes the counter party for the position taken.

That undeniably adds a certain degree of reliability and credibility to the whole deal.

Trade on these counters starts about an hour before markets open.

They become a crucial element of the pre-market trade.

As a result, they become a major indicator of the overall market sentiment.

They signal the broad market trend and shape the sentiment largely.

So it is extremely relevant to analyze if the DJIA Futures are set to go up or not.

The broad consensus is if they shoot up, it will keep the market buoyant.

For example, if a company declares earnings and the DJIA Futures shoot up, there is a good chance the broader markets will rise too.

Why Is It Important to Know If the DJIA Futures Will Move Up?

We have seen a dream run in the markets through 2017.

Though the first half of 2018 saw a bit dampening of the euphoric element, the markets are on the rise.

DJIA Futures Price Chart AnalysisTherefore, it is but obvious that there is a certain element of fear about a potential crash.

Many experts say that the markets are on the last leg of the recent 9-year bull run.

Now that is an ominous aspect to consider.

Many investors are still recovering from the scathing impact of the last market crash.

The current Bull Run stands on the solid foundation of economic revival and earnings growth.

But the fear factor in the market is almost like the Oxygen we breathe.

You cannot do without it.

Often, it is the fear that acts as a moderating element in the market.

It brings down speculative positions and creates a ground for long-lasting fundamental trades.

But all of these is in the realms of imagination and expectation.

The only element that can provide any real-time insight is the DJIA Futures.

There is a two-pronged advantage in following the Futures contract.

On the one hand, these are Futures contracts.

The prices of a subsequent month contract can offer some clues about the future trend.

Moreover, the DJIA Futures indicate the Index movement and trends.

It goes without saying that the Index will always precede the markets in terms of any movement.

So just following the Dow Futures can often provide investors with key inputs about the future trends.

This is a particularly important element to consider for long-term as well as short-term investments.

As a result, the DJIA Futures offer important clues about the market.

It is, therefore, necessary to track its movement very closely.

DJIA Futures Outlook till 2020

One of the biggest determinants of Future price trend is the rate at which the forward month contracts are trading.

They offer a realistic view of the extent of price movement that you may see going forward.

In many ways, this is also an indicator of the sentiment and the market discretion.

Most forecasts peg that the DJIA Futures may end 2018 closer to 26000 levels.

That would mean that there is going to be at least 8% price appreciation from current levels.

But that is not all.

Most indicators and analyst reports present a favorable picture for the next two years at least.

While it may be true that we are in the last leg of the current bull run, but this bull run is not getting over in a hurry.

Even the most conservative estimates project a 35% gain by the end of 2020.

Forecasts indicate that the DJIA Futures is well on track to cross the 30,000 mark by the end of 2020 May.

That, in very simple terms, indicates just one thing, the DJIA is set to go up going forward.

While incrementally, the month on month change may not be huge.

But the fact is that the Index is well on its way up.

A close study of the projected forward month contract prices indicates that the change is gradual.

It does not have the heady speculative euphoria of 2017.

But between 2018-2020, there is a decided uptrend.

Perhaps the slow and steady pace of the uptrend is the most heartening part of the upmove.

There is no crazy race to 30,000.

On the contrary, the DJIA Futures indicate that the markets are set to climb in a gradual fashion.

That means there might be some consolidation too on the way.

Technical Indicators

When you are analyzing the Future price movement, technical indicators do play an important role.

You may say that Technical indicators are presumptions based on chart patterns.

But for that matter, the entire forecast game is about assumptions.

Whether you assume an economic development or a price barrier, none of us really have the crystal ball.

All forecasts are based on certain assumptions and price patterns.

In this context, the technical indicators do have a crucial role.

Whether you are looking at the support levels or the resistance zones, it gives you a sneak peek at the key levels to watch out for.

The 25000 level in this context is a very crucial one.

It is a psychologically important level for the markets.

What is particularly interesting is that it has seen some pullback at that level.

This is an indicator that there is no mindless rush to breach the level.

The market is taking its time and devoting sufficient attention before finalizing a pronounced breach.

As US and Chinese trade worries are ebbing, the timing also seems to be appropriate.

We must not forget that the 25000 level is also a structurally important point.

It is that one level that all types of charts are converging at and pointing towards a decided upmove.

It is a point where both the analysis and the moving averages are on the same page.

All the key moving averages along with the technical indicators imply a distinct room for growth.

They align at a definitive level and indicate a clear opportunity to rise further.

The 25001.80 is the pivot point.

A clear uptrend is in the offing as the markets have managed to cross this point with conviction.

It, therefore, implies that the DJIA Future is set to go up further.

Market Sentiment a Strong Buy

When you are analyzing whether the DJIA Futures will go up, the analyst call is a crucial factor.

It does not just give you a fundamental call on the counter.

The analyst calls are most times supported by a series of anecdotal and circumstantial evidence.

This is why an average investor like us rely so heavily on the analyst call.

If you undertake a quick search on the overall outlook for DJIA Futures, you will realize it is a Strong Buy across geographies.

This unanimous call for growth is in itself is a big indicator in itself.

It tells you that most serious market participants are convinced about a definitive upmove.

The target levels may differ from analyst to analyst, but the uptrend is a decided given.

The US-China trade talks is one of the most important catalysts for this uptrend.

Most analysts say that these talks settling down may provide the next growth trigger.

Moreover, it is very important to understand that any sustained uptrend will have to be supported by strong growth signals.

China and US together command a sizeable chunk of the world economy, trade and markets.

Significant progress in trade between the two countries can only reinstate future growth catalysts.

High tariff on the automobile has been one of the most significant US complaints.

This may well be on the road to reconciliation in times to come.

China has announced it will cut import tariff on automobiles and select car parts too starting from July 1.

The expectation is that the tariff will be lowered to 15% from current 20-25%.

Tariff on automobile parts may also be cut to 6%.

This is what is set to trigger growth in individual companies.

That is what is likely to sustain the DJIA Futures’ uptrend.

Earnings Outlook till 2020

Now, what is the growth outlook based upon?

When you are analyzing the DJIA Future’s uptrend and the growth that is supporting it, this is an important consideration.

The overall growth outlook is, after all, a function of earnings.

All around businesses are on the growth trajectory.

The DJIA Futures derive its value from the Dow Jones Industrial average.

If you carefully study the outlook for the future of these companies that comprise the Dow, there is good news in the offing.

Earnings for most companies is seen growing in a steady fashion.

Though the extent of the individual growth may not be huge, it is likely to be steady and stable.

This is primarily on the back of sustained GDP growth in Europe and China.

ECB’s Mario Draghi is likely to continue with its stimulus measures.

This is seen as a key catalyst to revive reasonable growth prospects across Europe.

This, in turn, will impact markets in the United States in a sustainable manner.

The US Economy on its own also is on a definitive positive trajectory.

Both these factors together are likely to push growth forward in a convincing manner.

So most investment analysts and strategists expect a slow but reasonable growth going forward.

That is likely to support the Dow Jones Industrial Average and the DJIA Futures too.

This is one of the biggest factors that will help earnings growth for corporates in general.

Earnings growth means that the fundamental business development is not compromised.

That also means that the true import of the growth will unravel in 18-24 months.

Just in case of a slowdown, even growth impact is seen in a gradual fashion.

So going forward, the DJIA Futures is likely to maintain its upward trajectory on the basis of this catalyst.

US Dollar Index & the Cues for DJIA Futures

Last but not the least, the cues from the Dollar movement is very important.

As you may know, the Dollar acts as both a haven for investments and a possible hedge against market uncertainties.

The Dollar movement also has a distinct impact on the interest rate outlook.

In this context, it is important to mention that 2018 so far has been a dollar positive year.

The Dollar Index hit important resistance levels, but the upmove in the greenback has halted after briefly hitting highs.

That could well be good news for investors.

It only means that the Fed may not raise rates despite this in the near future.

This is because the Dollar may not be able to sustain its gains in a convincing fashion.

The assumption is that though the Dollar Index has hit fresh 2018 highs, this is more due to external triggers.

That means there isn’t too much strength in a fundamental uptrend.

It goes on to highlight that the Fed will not be in a position to take any conclusive decision on the basis of this rally.

That means interest rates may continue to remain in the current levels for an extended period.

Low interest rates will always be positive for businesses.

So it is but obvious that any kind of business growth will always help the DJIA Futures to grow.

Another key trigger for the dollar’s inability to reach higher ground may be the Euro.

The Euro has been muted due to the political conditions across Europe.

This will be seen as a major dampener in any sustainable rise in Euro levels,

That, therefore, becomes another reason why the DJIA Future may go up going forward.

Conclusion

The DJIA Futures is representative of the fundamental trend in Dow and the broader markets.

Most forecasts and analysis indicate that the DJIA Future is on its way up.

30,000+ plus levels for the DJIA Futures by 2020 is one of the most popular expectations.

In many ways that also sets the tone of the market movement.

The Dow is definitively one of the biggest representatives of the global market trend.

Any uptrend is almost always punctuated by strong business growth and fundamental factors.

Though the fear of a pullback is gaining momentum, the DJIA Futures indicate that all’s well.

At least for the immediate term, the DJIA Futures will continue to go up.

30000 plus level is the next definitive resistance zone for the DJIA Futures.

The expectation is that the gains in DJIA Futures will continue till that level.

Inflation in Simple Words

Inflation in simple words is one of the most commonly talked about elements of the economy.

Whether you are planning your retirement or you are discussing markets, inflation finds mention in every single discussion.

It will not be wrong to say that this is decidedly one of the most talked elements about the economy.

It is in many ways one of the most tracked economic indicators as well.

Almost every discussion about economic growth, slowdown, revival and worries are punctuated with a mention about inflation.

So no one it is one of the economy’s biggest obsession and necessitates a detailed discussion on it.

One of the most explanations is that of the rising process all around.

What Is Inflation?If you ask, most people will refer to articles becoming expensive as the most obvious reference to inflation.

The price rise, though a function of inflation, is only one of the elements associated with it.

There are several other factors too that impact inflation.

Inflation is also one of the earliest indicators of the changing economic scenario.

In many ways, the inflation can often be the best gauge of economic progress or slowdown.

It highlights the core problem areas and the pockets of advantage.

In short, it is your ready measure of both economic and market imbalances.

Be it currency fluctuation or commodity prices, inflation often explains most of these elements and the changes therein.

Therefore, inflation is no doubt a crucial trigger to follow.

It often gives you important clues about the state of the economy and how you need to go about it.

It is also an important factor to consider when you are deciding future investments.

In many ways, it gives you a realistic picture of your future savings and liabilities as well.

But first, it is important to understand what inflation is?

What Is Inflation in Simple Words?

The definition of inflation in simple terms is the increase in the price of goods.

It can also refer to the use of more money to buy the same product.

So you can see the inflation as the rise in prices of goods or decrease in purchasing power.

On an average when the price of goods and services increase, the term inflation starts recurring in the daily lingo.

Therefore inflation is often defined as per the cause that triggers it.

It usually exists when the money supply exceeds the available goods and the services.

Also, it may be a function of the budget deficit that necessitates money creation in the system.

It is measured as an annual percentage change.

So as the inflation rises, every dollar gets you less of the same product compared to earlier instances.

As prices rise and inflation rises, the value of money decreases.

This is because the value of money defines the purchasing power of an individual.

Once you start needing more money to buy the same goods, it is called inflation.

This is the actual worth of a good or service at the current rate.

So when inflation rises, purchasing power declines.

When inflation falls, it increases.

You may often have heard your grandfather or father talk about the ‘good old days’ when they could buy a packet of gum for just $0.05.

But at the current rate, you need more than $1 for the same packet.

You can read this in two ways, prices have risen or the value of money has fallen.

The percentage by which this inflation increases or decreases is often the crucial factor.

Governments and economies, in general, account for a specific percentage change.

The problem starts when the rise or fall is more than this.

What Causes Inflation?

Before we proceed any further, it is essential to understand what causes inflation?

That is often the key determinant in how the inflation situation is handled.

It also gives cues to the Government and economies about how they can work towards limiting it.

Most importantly, the question is does it really need to be limited.

However, the world over, economists haven’t been able to pinpoint that one single cause which triggers inflation.

Though it is a universal truth, there are many factors that lead to inflation.

As a result, it is very important to carefully study the cause of inflation.

1. Monetary Inflation in Simple Words

Monetary inflation in simple terms is the oversupply of money in the economy.

This is primarily a function of demand-supply mismatch.

When supply increases, prices go down.

So if you have an oversupply of money, the valuation decreases.

As a result, the price of everything rises in dollar terms.

In other words, you need a higher amount of money for same value.

2. Increase in Demand

This is also known as Demand-Pull inflation.

In this case, the inflation is triggered by higher demand for a good.

As the demand for a specific product increases, the prices rise as well.

So, it is technically a case of a lot of money chasing a limited or handful number of objects.

So, in this case, you see demand growing at a faster rate than the supply.

This is normally seen in economies that are growing very fast.

3. Higher Cost of production

This is another popular cause of rising inflation rate.

This is, therefore, often described as cost-push inflation as well.

The increase in cost can be due to higher raw material cost or increased labor charges.

Certain times, increase in taxes too can result in this kind of inflation.

Price Inflation vs. Monetary Inflation

So that brings into light another fundamental question about inflation.

It is all about paying additional money for the same service or the good.

It is about the value of money decreasing or the price of a good increasing.

Either way, the same thing is happening.

So the question that springs up is why we differentiate this phenomenon between price inflation and monetary inflation.

If you notice, the fundamental change in both cases is same.

So price inflation is a situation when the prices rise, or you need more money to buy the same product.

But monetary inflation is a technical issue where the money supply increases.

Often that is what triggers lowering the value of money.

Rather monetary inflation results in price inflation.

Or monetary inflation causes price inflation in a holistic fashion.

So monetary inflation results when the Government increases the money supply.

More money is printed by the Government for a variety of reason.

But one of the side effects is the monetary inflation that you see.

But this phenomenon happens gradually.

As the market is flush with money, it slowly eats away the value of money.

This process may continue for good 18 months to 2 years to completely unfold.

Therefore neither monetary inflation nor price inflation happens overnight.

It takes time and unfolds gradually.

Of course, the economy will offer some indicators, but these are not radical changes.

So when the final unraveling happens, consumers realize that they may have more money, but it will buy less than earlier.

This spurs demand as well.

The situation results in inflationary trends across the economy.

The demand-supply matrix is what triggers the final price differentiation and fundamental changes.

That is why it is important to understand how inflation is calculated comprehensively.

How to Calculate Inflation?

The inflation rate is a function of the inflation index.

In most economies, this inflation index is often divided into two primary forms of Index.

The Consumer Price Index or the CPI is the most dependable source for calculating inflation.

This is a basket of consumer products like food, clothing and the like.

Now the individual cost determines the average cost of this basket of products.

The cost of this Index is then compared over a point of time.

That creates the price index and gives you the percentage change in prices.

This forms a vital component of the final inflation measure.

There is another element that is considered for calculating the Inflation rate.

This is known as the Product Price Index or PPI.

The PPI records the percentage change in the selling price of the domestic good.

The final inflation rate is a combination of the PPI and the CPI.

Together they bring about the final pricing quotient.

That will give you a realistic assumption of the inflation rate.

You will notice every month you have a host of economic data that is released.

From monthly car sales to weekly retail sales, there are many data points.

All of these together go on to give you the actual inflation number

If you notice, over an extended period the PPI and CPI converge to similar levels.

But in the immediate future or as per current studies, there can be a huge difference between the CPI and the PPI

These subtle changes make them such an accurate measure of changes of the current economic condition.

For example, if vegetable prices are rising every week, that signals a definitive trend in the economy.

Experts often deduce long-term term inference about the state of the economy based on these factors.

Understanding the Cost of Inflation

The reason why inflation is an essential economic measure is the long-term implications.

Depending on the kind of industry or product you deal with, inflation impacts differently.

It is not just a measure of rising prices; it is also an indicator of the state of the economy.

So changing economic situation affects different stakeholders differently.

This is because the cost of inflation is different for different players.

Some may benefit from the higher cost associated with inflation.

At the same time, there are others who may benefit from the declining cost.

The interest rates, lending rates, deposit rates are in many ways a function of all these factors.

For example, if you are a lender, you will lose if inflation increases.

This is because the cost of the money decreases as inflation rises.

So if you offered a loan for a fixed rate of interest, the value of the same amount of money would continue decreasing as inflation rises.

But if you are a borrower who took the loan, this will mean a positive development for you.

As the inflation rises, the value of money decreases.

That means every dollar that they owe continues to be devalued in absolute terms.

That will be good news for the borrowers.

They will have to now pay less for the same loan.

For those who are saving money, rising inflation is never good news.

The money that they are saving will be worth lot less than its current value.

Also, the money that they are saving will have a lot less purchasing power on the whole.

This is of course if the interest rate is not adjusted as per the inflation rate.

This is also known as cash drag.

Why Is Uncontrolled Inflation Not Good News for Economy?

Understanding the cost of inflation is a crucial factor.

This is what makes it such an outright devil for the middle class and any person with reasonable savings.

The rising inflation is not good news for those who salaries do not adjust to the changing rate of inflation.

They may end up in a situation where their money will be worth a lot less and their purchasing power also decreases as a result.

Even for retirees and annuitants, who depend on a fixed income, inflation often erodes their purchasing power.

The rate of increase in the money available is not at par with the rise in inflation.

As a result, their purchasing power decreases at a much faster rate.

Consequently, their standard of living suffers to a large extent.

Consumers, as a result, start spending less than what they would have.

That means the demand for products reduces.

This, then, has a domino effect on the businesses.

That  often leads to a slowdown in the economy over the long run.

There is cost repricing at every level.

The slowdown in the economy then goes on to affect the international markets too.

This is why the rising inflation scenario does not augur well for the economy.

At the same time, don’t think a deflationary situation is good either.

Deflation signals prices moving in the reverse direction.

If goods start selling at a lower price, it will no doubt affect the profit margins and the economy in general.

Therefore an uncontrolled pace of inflation is not good in either direction.

A sudden or fast slowdown is as severe as a steep rise in inflation.

This is why you have Central Banks across the world tackling inflation in a big way.

Inflation & Interest Rates

So the question is how Central Banks and Governments tackle the inflation data?

The interest rate is one of the most popular vehicles to control the interest rates.

This is why you will see the interest rates is a big monitorable element in most monetary policies across the world.

The interest rates is used as a speed breaker or accelerator depending on the state of the economy.

The idea is to use it as a means to spur growth or contract growth.

This then works indirectly to rein in the existing inflation situation.

Often interest rate is used to cut down money supply in the system.

Once the money supply reduces, the price of the goods and services adjust on its own.

World over, you will see Monetary experts and Governments raising interest rates to achieve this end.

The exact opposite happens in case there is a deflationary trend or slowdown in the economy.

As you would have noticed in the US policies post-Lehman, there was an all-around easing of policies.

The result of this was that it gradually kickstarted growth and helped in the revival of the economy in a gradual fashion over a point of time.

Just like the entire economy bears the brunt of the cost of inflation, it works in tandem to restore the balance in the economy too.

Conclusion

The rate of inflation impacts your financial affairs in many ways.

From deciding the valuation of savings to determining your purchasing power, it is one of the most critical factors to watch out for.

This is exactly why there is a massive rise in inflation-adjusted opportunities.

The idea is to work towards maintaining the gradual economic balance constantly.

It is this balance that ultimately seeks to maintain the overall economic poise in the market.

So if you want to identify one major catalyst for economic growth, it is decidedly inflation.

It is the one factor that affects all your savings, retirement funds and wage outlook.

So watch out for the trend and direction of inflation data for long-term gains.

Is Vanguard Personal Investors for You?

The Vanguard personal investors have gained popularity in recent times.

Needless to mention, the Vanguard name lends it unique credibility.

It also sets a certain standard of excellence and efficiency.

The Vanguard group has been trendsetters in many ways in the world of investment.

The personal investors have continued this tradition and taken it a notch higher.

The group has often been recognized as the leaders in terms of practical and focused investment.

They are known for the low cost investing and relatively low expense ratio.

But that is not what sets this personal investor service apart.

Before we draw any conclusion, it is imperative to undertake a comprehensive review.

Is Vanguard Personal Investors for You?It is important to analyze every aspect of the Vanguard personal investors.

That alone will help determine if this investment service is worth your money and time.

One of the biggest factors to consider is the relative efficiency of the investment tool.

The personal investors are allocated to manage funds for a variety of investors.

It can be for individuals with $50,000 investments or $500,000.

Most online reviews mention the personal touch that these investors help bring about.

In the time when Robo Investors are ruling the investment world, the Vanguard personal investors introduce an entirely different world.

It surely gives a definitive edge to investors who go this route.

Whatever the market conditions may be, you have access to an expert at all hours.

That decidedly constructively impacts investor behavior.

Often when the markets collapse an average investor may be keen on withdrawing investments.

However, only an expert may be able to keep calm and increase exposure.

With someone in between you and your investment, this is never a problem.

A calculated and calm response is the biggest advantage.

How Does the Vanguard Personal Investor Operate?

The unique way in which the Vanguard personal investor service operates makes a huge difference.

The personal advisor creates an initial investment plan after thorough discussion with the client.

After that, they tweak the plan as per the client’s financial situation.

Every client will have a specific comfort zone; therefore personal advisors will customize plans as per that.

Building the investor portfolio is the next step in the plan.

They normally build it using a range of the low-cost opportunities from Vanguard.

But this whole process is incredibly transparent.

The client and the Vanguard personal investor are always in dialogue.

That helps them to maintain an open communication for in-depth communication.

Clients can use the easy to use mobile interface for staying updated with the portfolio.

They can keep a close watch on the investment goals and objectives through this mobile app.

The Vanguard portfolio management software too comes in handy at this juncture.

It helps customers track their portfolio in an active and effective manner.

The personal investors don’t just choose low-cost stocks but also Mutual funds and shares with low expense ratio.

The low-cost Vanguard Index funds are a popular choice among these investment advisors.

The idea is to create maximum value at minimum cost.

But nothing is done without the client’s consent at any stage.

The mobile app creates complete transparency in this context.

That also increases the relative reliability and credibility of the entire operating module.

The whole concept behind the personal investor service is providing a superior experience to clients.

With experts on call, they are able to make more mature investment calls in a holistic fashion.

That is, after all, the biggest appeal and advantage of this investor assistance service from Vanguard.

Vanguard Personal Investor a Call Away

The easy access to the Vanguard personal investor is undeniably one of the most striking features.

You can chat with your personal advisor any time you want.

Every deposit and withdrawal from your Vanguard portfolio is through them.

That undeniably decreases the risk of an emotionally-driven investment decision to a large extent.

So potential behavioral risk in the entire game plan is much lesser.

The terms of the dealings are also conducive and convenient for the users.

Every year users get the annual Vanguard portfolio report.

In case there is more than 5% drift in trying to maintain investment target & overall fund allocation, you pay 0.3% of the overall assets under management.

So on an average, you pay $150 for every $50,000 that you may invest.

Flexibility is a crucial advantage for most regular users of the Vanguard personal investors.

Customers can choose to cancel a transaction anytime they want.

However, one of the most significant challenges is getting through to the Vanguard personal investors.

The wait time may vary anywhere from 2 weeks to a month.

The bright spot is most users are happy with the experience they had after contacting the advisors.

Once the portfolio is set, the Vanguard personal investors are known for their sharp understanding of the markets.

They offer the clients a variety of practical advice and then make sure that you come away happy from experience.

They are candid, receptive and sensitive to the client needs.

In many ways, that is what makes their advice extremely useful.

The genuine interest that they show in understanding the customer’s objectives and the effort that they are ready to put in ensure long-standing engagements.

The Vanguard Personal Investor Fee Structure

The money involved in hiring a personal investor is often the most critical factor in deciding for one.

Often the cost is so prohibitive, and the relative returns so limited that you may be forced to choose differently.

But this is precisely the area that Vanguard group has addressed very effectively.

You have to pay an annual fee of 0.3%.

So if your total investment is around $50,000, you will perhaps be paying approximately $150.

When you compare with the relative returns, this undeniably one of the positive features.

You can have a wide range of accounts to choose from in this category:

  • Taxable
  • Traditional IRA accounts
  • Rollover IRA
  • Roth IRA
  • SIMPLE IRA
  • SEP IRA
  • Trusts
  • Joint accounts

You can also enjoy the benefits of 401(k) through this portfolio allocation.

The portfolio rebalancing opportunities and automatic deposits help you optimize returns.

Additionally, the human intervention adds a unique touch.

You have a set of willing ears ready to address all your queries in an earnest and definitive manner.

That creates a meaningful opportunity to explore and enhance the investment base.

This is often the basis of many long-standing portfolio related engagements.

Power of Making an Informed Choice

When investors compare various advisory services, this is one of the biggest factors.

The point is how effective the investor’s choice is and how meaningful can their overall investment decisions be.

The Vanguard advisors take the customers on a guided tour or the markets and investment options.

That helps investors make informed choices and get an edge over peers.

I think one fundamental reason for the different response structure is the payment structure.

The Vanguard personal investors are not like the average mutual fund agents that you meet.

They do not have any vested interest in the products that they offer to you.

They are salaried employees hired by the Vanguard Group.

So they do not get any special commission for selling you a specific product.

Hence their investment decisions are driven by the mettle of the situation and offer in hand.

This makes them a lot more objective about the different investment decisions.

It creates a meaningful difference in the quality of advice they offer.

The depth and quality of the objectivity in advice is what sets them apart.

Apart from pure investment calls, they also sensitize investors about the overall risk profile and risk appetite of investors.

Most importantly they also undertake a meaningful risk assessment.

They undertake a detailed analysis of the customer’s savings and then offer information and advice based on that.

They carefully analyze the investor’s objective and the time they are ready to invest for.

Also, they are forthright about the current state of investment.

If they consider an investor is too heavily invested in a specific asset, they are quite open about it.

This helps guide the investor in the right direction.

So often the Vanguard personal investor also becomes the investment mentor for the customers.

Need for Diversification

We all understand the importance of diversification in our portfolio.

However, what assets you choose to diversify is very important.

The idea behind diversification is optimizing the relative value of your portfolio.

In simple terms, this is also referred to as smart diversification.

You must remember that this is not just a way to generate wealth.

It is rather an opportunity to ensure that you do not lose excessive amount in case a specific asset class suffers.

The Vanguard personal investors help you achieve both these objectives quite effortlessly.

They maintain a constant dialogue with the customers and help them make informed choices.

That can often help investors make a balanced portfolio.

A balanced portfolio is all about the choices that an investor makes.

But this choice can be dictated by several factors.

It can be an outcome of your ability, the emotional bias or pure practical thinking.

Given the dynamic nature of markets, practical and objective investment is desirable.

But at the same time, the emotional animals that we are, keeping cool can be an uphill task.

This is exactly where the Vanguard personal investor can make all the difference.

They help you maintain objectivity in the most challenging circumstances.

This is because they have a third person perspective on your portfolio.

That goes a long way in helping you with the smart diversification of portfolio.

How Is the Vanguard Personal Investor Better Than Robo Investors?

You may argue that even robo investors these days are quite efficient.

But the fact is that a robo investor will not spend hours discussing your life on the phone.

They will never tell you if you are over-invested in a specific asset.

When you can communicate with an actual person in charge of your accounts that creates credibility.

Moreover, the Vanguard advisors send you a regular review of the account.

That will help investors keep track of their investors on a daily basis.

The best part is that these advisors are available during regular business hours.

That undoubtedly enhances the appeal of the personal investor over a Robo investor.

After all, when a human voice intervenes, listens to your complaint and offers a solution, it is always a better solution.

The fact that SIPC insurance covers the Vanguard accounts is an added advantage.

The accounts are covered up to $500,000, and that helps investors be less worried about the risks involved.

The self-clearing service complements the personal investors from Vanguard.

This further enhances the service and efficiency of the users.

The personal investor is able to provide them real-time service.

This is a distinct advantage over a robo investor.

The best part is when a human voice is intervening, the advice and the messages are not pre-recorded nor are they pre-programmed.

So it makes decision making more dynamic and holistic.

It allows a lot better improvisation by the users.

– Straight Forward Advice

The personal touch that the Vanguard personal investors establish surely makes a huge difference.

This bond also makes investors a lot more receptive to negative feedback as well.

They start considering their personal advisors as friends who they can rely on.

This creates an undeniably stronger bond and ensures a definitive advantage while trading.

Individual experiences may differ but the fundamental essence of the engagement remains similar.

Most times the Vanguard advisors can help you create customized portfolios only on the basis of this connection.

They create solutions based on the overall life goals and the initial assessment is without any commitment.

That surely enhances the base of customers who are ready to try out their investor service.

Only when you agree to engage with Vanguard, they will align your portfolio with the Vanguard low-cost funds.

While in terms of investment advice, it is hard to find a better option, there are some concerns.

Vanguard does not allow you to invest money in any non-Vanguard options.

I am not questioning the credibility of Vanguard products.

But the point is about limiting opportunities for investors.

In terms of sheer opportunities, the Vanguard personal investor offers a host of advice.

This deals with a series of options across a wide range of options.

User testimonials indicate that the direct and straightforward advice often helps clients in taking tough calls.

It can be anything from pulling out investment from one asset and increase allocation in another.

Pros & Cons of Vanguard Personal Investors

So as we analyze the individual features of the Vanguard Personal Investor, it is time to take stock of the key pros and Cons.

Pros:

– Low cost & Low Expense ratio

This is decidedly the biggest positive of this investment option.

The relative cost and return ratio is also favorably poised in favor of Vanguard personal investor.

– Low Minimum Deposit

The minimum deposit level is now reduced to $50,000 from $500,000.

– Strong Customer support

Constant and unhindered access to customers is another big advantage for the users.

– User-Friendly Tools

User friendly mobile apps compliment the Vanguard Personal Investor.

That ensures that they are constantly updated and stay on top of their portfolio records.

Cons:

– Only Vanguard Products

You cannot include non-Vanguard products in your portfolio.

The Vanguard personal investor makes it mandatory to invest only in Vanguard products.

That means the investors have to limit their choices to only Vanguard options.

– Stock Investment Questionable

The Vanguard group is seen as a great fit for mutual funds and ETFs.

For stocks, it is better to find another set of broker with a more pronounced record.

Conclusion

The Vanguard personal investor is a great way to access quality funds and a personal advisor.

The low cost and low-expense ratio ensure that more investors can get expert advice and minimum cost.

The easy to use platform with automatic portfolio rebalancing ensures better return prospects.

The pointed investment advice helps you achieve your financial goals in a more effective manner.

You have the option to contact your personal advisor whenever you need to.

The regular reviews help investors keep track of their portfolio in a constructive fashion.

You can easily call up the Vanguard Personal Investors and ask for an assessment.

That will help you decide on your own if you want to sign up for Vanguard personal investor.

In case you are still debating, you can easily go through this review for a better grasp about the Vanguard personal investor.

Top Online Stock Trading Websites

The online stock trading websites have really eased the entire stock trading experience.

It has created a sense of convenience and made the markets a lot more accessible.

Suddenly stock trading is just a click away.

This has no doubt boosted online stock trading.

But this popularity resulted in online stock trading sites mushrooming in every corner.

But for an average investor, it becomes a big task to identify the right type of online stock trading website.

Each website has its own unique appeal and a separate set of charges.

Online Stock Trading WebsitesIn that context, it becomes complicated to understand which online stock trading site yields the best return.

The efficiency of an online site is also important.

That will also rationalize the cost input that you may have to incur.

On the whole, the choice is almost like looking for a conventional broker.

You need to choose someone who is efficient, fast and address your needs the best.

You need to apply the same logic while choosing online stock trading sites as well.

That will help you optimize every penny that you invest in the market.

But for the retail investor, with access to limited data, it can be sometimes an uphill task.

So we decided to make the task a lot easier for you by doing some basic groundwork on the topic.

We have shortlisted a series of online stock trading websites that address your unique requirements comprehensively.

We have analyzed the performance of these online trading sites on the basis of several parameters.

These include the brokerage rates, the speed and the quality of investment performance.

The idea is to provide readers with a comprehensive package comprising of all trading elements.

That is what will ultimately produce a sustainable trading alternative for interested investors.

What Are the Top Online Stock Trading Websites?

Here is the list of the best and top online stock trading websites that you must know and refer to, if you want to become a good stock trader:

  1. eTrade (etrade.com)
  2. Ally Invest (ally.com)
  3. Fidelity (fidelity.com)
  4. TD Ameritrade (tdameritrade.com)
  5. Charles Schwab (schwab.com)
  6. Interactive Brokers (interactivebrokers.com)
  7. TradeStation (tradestation.com)

1. eTrade (etrade.com)

eTrade (etrade.com)When you are looking for the best online trading sites, the type of trader that you are is crucial.

Different websites have different levels of proficiency for different types of users.

As a result, a particular online trading site may be good for some but not for others.

So let us first look at beginners in the stock market.

They have a unique position.

The nitty-gritty of the markets can be intimidating.

At the same time, they are not very well versed with market terminology.

Moreover, their response rate may not be as fast as a professional.

So you need an online stock trading website that handles all these concerns in one go.

This is exactly why ETrade comes across as a top choice in this department.

It is quite simple to grasp, and the room for growth is relatively larger.

This online trading site offers investors a great deal of flexibility.

It has a unique learning center that helps beginners with a  series of educational videos.

There is also an extensive collection of investment-related news, analysis and reports.

All of these help the investors develop a meaningful perspective.

It helps them to also deepen the overall market understanding in a far-reaching manner.

We can also book free appointments with the ETrade branch to address your concerns.

They have an active customer support system with 24×7 online chat services.

This is a particularly important feature for newcomers in the stock market.

The best part is ETrade is suitable for any type of investors from beginners to aggressive veterans.

As a result, it’s a one-stop shop to address every kind of stock trading requirement.

The relatively cheap brokerage rate is an added attraction on this top rated site.

2. Ally Invest (ally.com)

Ally Invest (ally.com)Ally Invest is suitable for cheap online stock trading.

When you consider low-cost stock trading, ETrade has a very able competitor.

In fact, Ally Invest is a clear winner in this area.

It is amongst the world’s cheapest online stock trading sites.

The low-cost commission appeals to all types of investors.

After all, who wants to spend their precious profit as commission to brokers?

So whether you are a beginner or a high net-worth individual, you will love Ally Invest.

Though there are many online brokers who slashed their rates drastically, Ally Invest still maintains an edge.

They have a flat rate of $4.95 across the gamut of offerings.

But the benefits of trading with Ally Invest does not end there.

The minimum amount in the accounts can be as low as zero.

Moreover, they also offer interesting and attractive offers for active traders.

For those who undertake over 30 trades a quarter,  the flat rate is even lower at $3.95.

This rate is even applicable for all those investors who maintain a monthly account balance of $100,000.

If you compare just the brokerage fees, there are perhaps a few more that offer relatively low rates.

But you have to look at the package as a whole.

Ally Invest undeniably provides a superior mobile trading platform and has great online resources.

The access to the online trading network is also exemplary.

As a result, investors can experience a far superior trading opportunity.

It is not just cheap, but  you are not compromising quality in any way whatsoever.

This is a very important consideration when you are identifying a convenient online stock trading site.

These are the small considerations that can give you a competitive edge.

Often, in the long run, these small advantages help in big gains.

3. Fidelity (fidelity.com)

Fidelity (fidelity.com)This is another top rated online trading website.

In terms of transaction rate, this one is at par with Ally Invest.

But discounted trading is not the only basis of rating this online trading site.

It is considered one of the best for investors because of the in-depth research and order execution facilities.

Investors are generally on the lookout for a relatively better quality trading site than beginners.

They are executing far advanced trades and may need a distinct degree of quality.

Fidelity manages to offer its users, this important edge in terms of service quality.

The depth of research plays a crucial role when you are undertaking large quantities of trade based on fundamental analysis.

For the average user, it will be very inconvenient to keep shuttling between a research site and a separate online trading site.

But Fidelity helps in bridging this gap beautifully.

This is also appropriately complemented by the stellar ability to execute the trade.

That is undeniably another important factor when you are choosing an online broker.

Fidelity does not slow down at any given point of time.

That means your trade will not suffer due to slow network connectivity.

Another significant feature is their mobile app for investment.

That is a very important deciding factor for many seasoned investors.

Fidelity’s mobile app is known for its exemplary service quality and user-friendly interface.

This app enables users to stay connected with the markets at every stage.

So whether you are on a holiday or at work, your investments are just a click away.

The good part is you are getting this range of service at very competitive rates.

You do not have to pay anything extra for this service to anybody.

That is a big advantage for regular online traders.

4. TD Ameritrade (tdameritrade.com)

TD Ameritrade (tdameritrade.com)TD Ameritrade is an effective online stock trading site for traders.

But the actual litmus test is if you are a trader.

You are not an occasional investor, you do not make small allocations in the market.

On the contrary, you invest in the market to earn a living.

Your investments are your livelihood.

So you need an online trading website that is fast, accurate, precise and user-friendly.

It should help you in undertaking trades fast and without too much of a hassle.

The most important aspect is that you must be able to optimize the value of every penny that you spend.

Well, that’s the reason that this online trading site has been ranked number one by a host of reviewers.

Their $6.95 billing rate per stock with 0 balance account opportunity provides 24 hours support for 5 days.

In fact, they are among the very few who provide this type of continuous support.

Not just that, their trading platform and mobile app also help traders experience a superior service quality.

There is effective linking to a wide network of related social and investment platforms.

This enhances the overall accessibility of this online stock trading website.

It also helps in improving the efficiency of the trading site.

Ameritrade is a useful platform.

Their educational content helps beginners and seasoned investors in enhancing market knowledge.

However, when you compare it with Fidelity and Charles Schwab, it is surely a more expensive online stock trading site.

The relative rate is almost $2 higher, and you have to also add the marginal cost to this.

But when it comes to their platform and trading tools, they remain on top.

That, in many ways, compensates for the higher trading rate.

Traders invariably undertake relatively large trades.

The higher profit helps offset the impact to an extent.

5. Charles Schwab (schwab.com)

Charles Schwab (schwab.com)Charles Schwab is ideal for retirees looking for online stock trading websites.

If you are a retiree or close to retirement, this can be one of the best online stock trading websites for you.

In fact, they have ranked number for retirement services repeatedly.

Their interface is specially designed to highlight the interest of the retirees.

It is extremely user-friendly and is packed with tools that specialize in retirement services.

That surely provides a unique niche to this online stock trading site.

It makes it undeniably the best option for a collection of commission-free funds.

Even in terms of billing rates, Charles Schwab has very competitive pricing for its products.

It offers a flat rate of $4.95 that is at par with Fidelity, ETrade and many other low-cost opportunities in the market.

The best part is their quality trading experience, and competitive research facilities cater to a wide network of users.

Whether you are a beginner or a market veteran, this facility is all about ensuring quality.

The continuous and efficient customer service is an additional advantage.

That, no doubt, improves the accessibility and reach of the trading products they are offering.

It also helps in enhancing user experience and risk appetite.

However, the only sticky issue is their limit for minimum investment.

While there are some which have an even higher threshold, Charles Schwab is still relatively high.

Especially, if you compare its limits with its closest competitors, the number is quite alarmingly high.

The minimum account balance needs to be maintained at $1000.

However, the research and trading tools compensate for this factor.

But that is why I said this might be better suited for those with deep pockets.

Along with the surplus money at their disposal, they can take advantage of these facilities lot better.

6. Interactive Brokers (interactivebrokers.com)

Interactive Brokers (interactivebrokers.com)Interactive Brokers is top online stock trading site for advanced investors.

Very simply put, this is an online stock trading site for the experts.

Increasingly, online stock trading sites have improved the efficiency of stock market dealings.

Gone are the days of bids on the phone.

With the advent of the internet, the overall progress in stock trading has moved in leaps and bounds.

The seasoned investors or market veterans have also taken advantage of this huge upmove.

The trading platform, the wide range of investment opportunities and variety of trading options make it a favorite among the experts.

The margin rates and low commission fees are the other right ticks for this product.

In fact, the low commissions are its biggest strength.

It is hard to beat their average rate at a minimum of $1.

Depending on the number of shares traded, they provide even cheaper options to their customers.

However, that said it might not be the best for beginners or small investors.

The broker has a very high minimum investment threshold.

Moreover, they also levy monthly inactivity fees.

That means for small-scale investors with a low frequency of trade, this is a big no.

The educational elements are also lacking on this trading platform.

The basic premise on which this platform is based is expertise.

It is programmed to service knowledgeable and in-depth understanding of the market.

As a result, it is never an attractive option for small investors.

But at the same time, the Interactive Broker meets the requirement of seasoned market hands quite admirably.

They even have special promotional offers for clients who are below 25 years.

Whether you are looking for an online stock trading site for

  • Options trading
  • Penny stocks
  • Margin trading
  • Day trading

This is one of the best possible options for you.

7. TradeStation (tradestation.com)

TradeStation (tradestation.com)TradeStation is the best technology amongst online stock trading sites.

Now you will agree that the quality of technology plays a crucial role in the online stock trading websites that we are reviewing.

Whether you consider the speed, efficiency or quality of opportunities, the technology plays a fundamental part.

It is this technology alone that gives a specific website an edge over others.

It is based on the technology that customers prefer one website over another.

That is exactly why so many users are convinced about trading with Trade Station.

It is primarily created to service the needs of the many technologically oriented users.

It satisfies their hunger for better quality opportunities and access to more information.

Needless to mention, information is power in the stock markets.

It has consistently ranked number one in the race for best platform technology.

That is a critical consideration.

The trading platform is packed with features and tools that enhance the user experience.

In fact, for the most technologically empowered users, they can even code their own app.

Of course, this is offered at a certain price, but it is quite competitive.

Moreover, Trade Station is known for low market fees and access to free market data.

The easy interface and the language program further improve the overall trade quality.

All in all, it provides users a unique mix of quality and functionality.

That is what gives its customers an edge over many other providers.

Conclusion

Therefore, it goes without saying that deciding on the top online stock trading websites is not easy.

There are many factors that you have to take into consideration.

Cost, quality, functionality and efficiency all merge together to provide a lasting experience.

So when you are choosing an online stock trading website, you have to consider all these facts one by one.

Moreover, you have to look for options that provide the best fit for you.

To make the task a lot easier, we have shortlisted this handy list of the top online stock trading websites across genres.

9 Types of Stock Trading

Once you have decided to invest in the market, it is also important to zero down on the types of stock trading.

Often the extent of gains that you amass from the markets depends on this key factor.

Different types of stock trading are relevant for different kinds of stocks.

It also depends a lot on the overall profit outlook that you may have.

Most times, investors typically undertake just a few types of stock trade.

They are often not aware of the various other opportunities available.

But the different types of trading have their own unique advantages.

Per se, you cannot decide between two types of trading and identify what’s better.

Each trader will have their own pre-determined trading objective.

Types of Stock TradingMost times, they choose a variant that they can choose maximum gains from.

So when you enter the market, you will have to do a bit of introspection too.

That will help you understand your market psychology in a detailed manner.

The type of trade is essentially a confirmation of a specific approach towards the market.

In many ways, this is one of the primary considerations when you begin investing in the market.

In many ways, this helps you grasp the mystique of the stock market too.

The different types of stock trades explore the latent opportunity therein.

It totally depends on your independent expectation from the stock market.

The challenge is many times; investors do not have that much time to invest in the market nitty-gritty.

That is why we decided to create this ready list of different types of trading.

You can look at the different variants and match it with your trading expectations

That will help you maximize the profit potential and extract better value from your stock investment.

Types of Stock Trading

Here is the different types of stock trading:

  1. Short-term Trading
  2. Market Order
  3. Intra-day Trading
  4. High-Frequency Trading
  5. Swing Trading
  6. Positional Trading
  7. Long-term Trading
  8. Quantitative Trading
  9. Arbitrage Trading

1. Short-term Trading

The moment you are exploring different types of stock trading options, the duration plays a crucial role.

Different kinds of trading cater to the different time period.

Often your return expectation is also tempered by the difference in time.

So there are certain types of trading that work very well for the immediate future.

There are others that will not yield appropriate results in the same period.

Short-term trading is more popular among trading veterans.

Here the duration of trade may be a day or at most a few weeks.

Veterans use it as they have acquired a certain degree of comfort.

They can also anticipate market movements a lot faster.

In comparison, the short-term trading alternatives may not be appropriate for new traders.

It can often lead to extreme uncertainty and deep losses for them.

A trader’s mindset and ultimate objective are crucial in this context.

That will help in yielding maximum possible gains.

So, when you are choosing a specific type of stock trading, don’t adjust your return expectation.

It is imperative that you adjust the time duration as per your trading objectives.

A typical short-term trade is initiated with a sell position, and the position is covered by buying.

2. Market Order

This is perhaps the simplest types of stock trading that are practiced.

It is all about selecting a stock, telling your broker to buy it at a current rate.

Here there is no analysis involved and the stock is simply bought at face value.

Invariably this form of trading also involves the lowest commission amount.

The ease of execution is also much higher here.

There is no set time limit in this case.

A buyer may buy the stock for a few days, or it can extend for months too.

The basic profit potential is the only consideration in this case.

The overall idea is to get a certain amount of profit that covers the commission cost and also the cost of holding the stock.

The time duration is extremely flexible and completely at the buyer’s discretion.

The resultant risk is also much lower in this type of stock trading.

3. Intra-day Trading

When you consider short-term options, this is one of the most common types of stock trading.

As the name indicates, the trading is initiated and closed in the span of a single trading day.

The investor does not carry a position home.

They square off all open positions before the closing bell strikes.

The philosophy behind intra-day trading is rather simple.

In this case, traders consider it risky to keep positions open overnight.

They do not know the kind of events that may unfold overnight.

So, all the existing market positions are squared off within trading hours

This type of stock trading is ideal for those who do not care too much about stock fundamentals.

All that they are worried about is their profit margins and timing the trade.

They take advantage of the stock momentum and clock profit on the basis of that.

While trading the momentum guarantees higher returns, it also means you are leveraged more.

So it is surely a very aggressive kind of stock trading.

Technical analysts and experts in stock trading undertake this type of trade more often.

Consistency is crucial in stock trading.

That alone can guarantee a reasonable rate of returns for investors.

Moreover, the returns are compounded on a monthly or quarterly basis.

Here again, consistency plays a crucial role.

That alone ensures that you get the return that can justify the risk that you are taking.

So that means intra-day trading is purely for investors who can dedicate a reasonable amount of time.

They have to track the markets very closely, and the overall return is closely linked to that.

Every tick movement in the market can change the profit outlook to a large extent.

So, every additional minute you spend on the market can enhance profit.

4. High-Frequency Trading

Even within the construct of intra-day trading, there are different types of stock trading options.

One very common type is referred to as speed trading or high-frequency trading.

In this case, the trick is all about manipulating the bid and ask price at a great speed.

Speed is the cardinal factor in this kind of trade.

So the smallest profit in every trade compounds into a huge amount in an aggregate manner.

Trades are often executed in a matter of microseconds.

You may have hundreds of trades over the entire day.

So you can understand that the inbuilt risk in this trading format is fairly high.

Perhaps that is the reason that you see more of institutions, fund managers and hedge fund owners undertaking these trades.

Not only do they have the power to leverage more but also stomach bigger hits.

Most times trades are completely automated.

Detailed analysis, whether fundamental or technical, holds no value whatsoever.

Speed and specific price points are the only two factors to watch out for.

In this context, it can be considered an absolute no-brainer in many ways.

Beginners or medium-range retail traders must completely avoid this kind of trade.

It isn’t suitable for them at all.

5. Swing Trading

When you are exploring different types of stock trading, this is another popular option.

As the name indicates, this trading is based on the swings or price fluctuation in the market.

Though this is also a short-term trading variant, it is different from intra-day trading.

The fundamental difference is in the time frame that is associated with the trading.

While intra-day trading is wrapped within a trading day, swing trading takes advantage of overnight price swings.

It is primarily based on the short-term price fluctuation that stocks experience overnight.

The trader, in this case, tries to accurately predict the extent of swing or price fluctuation.

The profit margin is directly proportional to the accuracy with which they can predict the swing.

So the duration of these trading positions could range from one day to even as much as a week.

At times, these can even extend for a week together.

However, the only advantage, in this case, is that the leverage is not as high as intra-day trading.

Given the overnight risks, brokers often charge certain additional margins on these trades as well.

However, the overnight swing factor often enables a much higher degree of return potential.

In this context, traders also have to invest time in analyzing the charts carefully.

But if you can analyze these movements carefully, the rewards can be much higher.

In many ways, they can ensure steady returns in a given period.

But if you want to invest in swing trading, you need more capital.

Moreover, for every penny that you invest, the margin risk remains.

You cannot look at investing 100% of your capital at any moment.

You have to always provide for margins and a variety of overnight charges that your position may attract.

So the liabilities may be higher here.

6. Positional Trading

This is another popular type of stock trading over the short-term predominantly.

Again, it may have some similarities with swing and intra-day trading; the broad parameters are different.

For example, it will never consider the short-term swings that form the basis of swing trading.

This type of trading completely ignores the minor price fluctuations.

They are completely focused on a large price movement of the stock.

In fact, that is how they also lock their profit.

As a result, they are never too bothered about timing the market.

If required, they are even ready to lie low for a few days and then take a stance.

There are times when positional traders can even wait for months together in the hope of a larger gain.

This is exactly why these traders work on the basis of some hybrid analysis.

Their trades are not solely dependent on either fundamental analysis or technical.

In most cases, you will notice a happy mix of both these in the trading decision.

The complexity involved in this type of stock trading is never uni-dimensional.

As a result, the analysis too is multi-dimensional in nature.

Just technical trading cannot help you take up stock positions for a longer duration.

If you have to hold stocks for a longer period, you will have to consider the fundamentals as well.

This is because the long-term price movement is a function of technicals and fundamentals united.

The percentage of gain that is expected is also relatively large.

So you can see the trading bent is gradually shifting to a fairly long term from purely short-term.

The premium for the time invested and the safety margins also need to be taken into consideration.

The final return has to account for all these elements for a realistic price assumption.

7. Long-term Trading

This generally refers to stock trading that goes on for months together or many years.

While short-term trading is based more on technical analysis, this incorporates fundamental analysis.

The stock’s fundamentals completely dictate the stock’s trading dynamics.

Short-term market changes do not influence the investment decisions.

Invariably investors take a long-term call on the stock’s prospects.

The company’s growth, in this case, is very closely tied to the individual’s profit.

As the company’s profit grows, so does your profit from the holdings.

Additionally, these types of stocks also have a bonus or a dividend component.

That too enhances the overall profit percentage from the stock.

All in all, investors undertake this type of stock trading for sustained gains.

They are not just taking into consideration how much they are able to gain today or tomorrow.

On the contrary, this kind of stock trading ensures they have steady earning for an extended period.

In that way, this is the main difference from short-term trading.

Your trading prowess alone determines your profit in short-term trading.

But in case of long-term trading, it is linked to the stock’s fundamentals to a large extent.

8. Quantitative Trading

When you are exploring the variety of stock trading, this is one of the most modern variants.

Sometimes, traders confuse this type of trading with automated trading or other algorithm based trading.

But quantitative trading is quite different from those.

In fact, this type of trading relies on quantitative analysis and is based on stock performance.

The quant programs are geared to match historical trends and patterns and create a price point.

So, in many ways, you can say this is a refined type of technical analysis.

But it also considers a few other factors apart from the immediate price points.

It offers investors a plethora of statistics based probabilities.

That helps in identifying a proper and definitive trading calls.

As the method of analysis is more sophisticated, it ensures higher trading efficiency.

Computer programs also ensure a definitive speed in the overall analysis.

However, it is essential to maintain the accuracy of the details.

That alone will make sure that the data that is being analyzed yield the desired results.

But you cannot just depend on this single factor.

You will also need a thorough understanding of the market for the appropriate application.

That alone will ensure meaningful long-term gains.

9. Arbitrage Trading

This is a type of stock trading that has flourished as stock markets world over started integrating.

But it requires very high-speed internet network and resources to analyze stock calls appropriately.

The basis of this trading methodology is deeply based on the difference in price points.

The smallest tick difference can result in huge profits on a large position.

The arbitrage is primarily on the risk involved.

Now, this risk arbitrage can be played out in a variety of form.

Often the structure of it is linked closely to the market and stocks in consideration.

Institutions and other large traders primarily exercise this.

But the risk element and the profit potential are interlinked in this case.

Needless to mention, this form of trading also involves a greater risk potential.

Also, you have to be careful about the independent market dynamics therein.

Conclusion

On the whole, these are some of the basic types of stock trading.

But these are not the only options.

There are many others types of stock trading too.

Often, the different types of trading are dependent on the kind of trade you undertake.

Be it Futures, technical or Options trade; there will be different types of stock trading option for each variant.

The overall idea is to book maximum profit within a given period.

It also incorporates covering expenses like safety margin and other related elements.

The primary objective of this trading methodology is all about creating a strong profit outlook.

One of the best ways to achieve this is exploring the different types of stock trading.

These options add value and help enhance your profit from stock trading.

How to Start a Hedge Fund

If you have significantly long experience in the financial market, perhaps it is time you considered how to start a hedge fund.

Do you look forward to the thrill of investing in financial markets; does the jingle of profit make you dizzy with happiness?

Then I am sure starting a hedge fund will help you combine your passion with a viable business opportunity.

How to Start a Hedge FundStarting a hedge fund is as much about creating a profitable proposition for your investors as it is about creating a phenomenal investment channel satisfying your need to start your unique financial solution.

Steps to Start a Hedge Fund

Here is the list of the steps you have to complete to start your own hedge fund company:

  1. Capital Is Primary for Starting a Hedge Fund
  2. Understand the Basics of Starting a Hedge Fund
  3. How Are Hedge Funds Different from Mutual Funds
  4. Selecting the Right Strategy Important While Starting a Hedge Fund
  5. Decide on the Fund Type
  6. Create a Team of Advisors
  7. Create a Fund Name
  8. Apply for the Tax ID
  9. Register Company as Investment Advisor
  10. Creating Corporate Bylaws
  11. Creating the Offer Document
  12. Promoting the Hedge Fund

1. Capital Is Primary for Starting a Hedge Fund

Starting a hedge fund is a multi-pronged process.

You will need to start your own fund, register it and then take it forward as a private investment.

Securing the required amount of capital is often the first step in how to start your own hedge fund.

You must remember that if you are not able to arrange for the adequate amount of fund, the other steps don’t matter at all. Incidentally, arranging for funds is rather tricky and often new funds find maximum resistance at this level.

I must mention that experience here does not count too much.

Even if you are a very experienced and seasoned fund manager with a consistent track record of success, starting a hedge fund is never easy.

You have to make sure that you are able to convince people to do business with you.

Therefore securing capital is one of the biggest uncertainties as you explore how to start your own hedge fund.

It is almost like the ignition of your car.

It doesn’t matter how fancy a car you have if you are not able to switch it on and drive it around.

In many ways, the starting capital provides that crucial ignition for starting a hedge fund.

If you are not able to manage this, the hedge fund can fall apart like a pack of cards.

The starting capital often creates a gateway to success for you.

Not only does it open up several channels of communication, but it also provides the fundamental push to take the hedge fund forward.

In many ways, it is the foundation stone for a sustainable business model and helps you understand how to start a hedge fund.

With the right capital in hand, you will get the confidence for starting a hedge fund and take forward your consistency and proven track record as a fund manager.

Though hedge funds have seen significant negative publicity in recent times after the recent collapse in the financial markets, they are still an exceptionally profitable proposition.

Remember that there is never a dearth of investors looking to expand their profit margins, net worth and overall investment kitty.

That, in many ways, becomes your chance to capitalize upon and take steps towards starting a hedge fund.

While there is never any dearth of opportunities, you have to explore the options about how to start a hedge fund to match this demand.

But you have to understand that before anything, you must make sure that you have the requisite capital in place.

2. Understand the Basics of How to Start a Hedge Fund

Once you have the capital in place, the next step towards starting a hedge fund is undeniably learning the basics of business.

You could be a great fund manager, but at the same time, managing your own hedge fund can be an entirely different ball.

Hedge fund is essentially a pool of money that uses a combination of multiple strategies to generate above average market returns.

It helps investors to both create returns and manage risk simultaneously.

But you must remember when you are starting a hedge fund that only accredited investors can invest large sums of money in it, anywhere above $1 million.

As you all know, hedge fund originates from the word, hedging the risk.

This essentially means reducing the risk exposure of a given investment.

The diversified investment is so designed that the downward risk in the price movement does not materially impact the overall returns from the given fund.

In fact, to achieve these gains, hedge funds at times use a complicated range of strategies that protect the downside and also maximize the overall return prospects.

So when you are looking out for information on how to start a hedge fund, various elements of the investment using stocks, currencies and economic trends need to be taken into consideration.

It does not just diversify the overall investment, but in many ways, it helps you to lock the extent of returns that you would like to preserve.

3. How Are Hedge Funds Different from Mutual Funds

As you prepare the fundamentals of how to start your own hedge fund, you have to pay careful attention to the differences between the various mutual funds and the hedge fund that you are creating.

So how exactly is your hedge fund different from the various mutual funds that are already available?

Most importantly, hedge funds are managed and invested in by a more sophisticated set of investors.

That means that while both mutual funds and hedge funds are pools of money that are managed by different fund managers, you have to understand that relatively deep-pocketed and more serious and suave money market players invest in hedge funds.

Unlike mutual funds, hedge funds are never regulated as closely by the SEC.

They, as a result, can, therefore, invest in a lot more diverse investment opportunities.

The relative risk profile is also far greater in the case of hedge funds.

The relative leverage in hedge funds is also significantly higher.

There are more options like short selling and long-short equity combinations to reduce the relative downside in the market.

While mutual funds are registered publicly and are approved by the SEC, the Hedge Funds are generally funded through the private placement route.

With the overall net worth of most hedge funds well over $1 million, the relative return scope is also much higher.

Compared to Mutual Funds, Hedge funds are significantly more illiquid in comparison.

They are typically locked in for a relatively longer period of time.

Another significant difference that you must keep in when you are starting a hedge fund, is the compensation level.

In fact, the level of compensation for Mutual Fund managers is very different from hedge fund managers.

Typically hedge fund managers receive compensation in 2-20 ratio.

This comprises 2% of the total assets as well as 20% of the profit percentage.

4. Selecting the Right Strategy Important While Starting a Hedge Fund

While looking at the various aspects of how to start a hedge fund, it becomes immensely important to select the right strategy.

Hedge Fund managers are primarily famous for the kind of returns that they can help their investors earn.

It is needless to mention that these returns are directly proportional to the success of the strategy that they can implement.

When a hedge fund manager with a track record of continuous success and relatively strong gains plans on starting a hedge fund, the relative response to it will be significantly higher.

Investors are fairly sure about the kind of returns that they can hope to earn if a specific person is selecting the investment strategy.

So when you are trying to understand how to start a hedge fund, here is a list of some of the best known and most common strategies that you can look at implementing:

– Neutral Strategy

As the name suggests, this is a strategy that helps you keep a neutral bias in the market.

This is a rather popular strategy.

In this, you buy a certain set of investment options that are likely to go up.

Now you offset the impact of this by consciously short-selling the market.

Now let’s say that the gains from the investment that was supposed to go up fared a lot better than the portion that you short sold.

The direct result would be that on an overall basis the fund would be in the money.

For investors who are worried about market crashes, this would come out to be a rather interesting strategy that can keep their gains assured over a sustained period.

– Hedged Equity Strategy

In essence, this strategy too has similarities to the above-mentioned market neutral strategy.

However, in this case, the entire portfolio is not shorted.

The shorting happens only on a select portion.

The direct advantage of this is if there was a collapse in the market at any point, the investor’s downside remains protected.

At the same time, every gain in the market would significantly add to the gains in the portfolio.

In other words, this is a strategy where you gain more when the market rises, but your loss in case of a collapse is somewhat limited.

– Global Macro

As the name suggests, this strategy is closely linked to the macro factors affecting global markets.

This is a rather effective strategy for fund managers who have a deep understanding of the various global factors, the economic parameters and top trends prevalent on a global basis.

The trick that they use to make money depends entirely on how they can read global developments.

They spread out and invest the fund in a specific manner depending on how the global events would unfold in a specific case or for a specific country.

So the essential gains or losses of the fund are dependent on the actual criterion or circumstances that unfold in the global perspective.

– Undertaking the Legal Proceedings

Deciding on how to start your own hedge fund involves a lot of other formalities as well.

Once you are through with the basic conceptualization and creating of the broad strategies of your fund, the next step is deciding on the core formalities and getting the fund up and running.

Therefore, it is needless to mention that the next key point of focus is undertaking the legal formalities to get the ship moving.

– Hiring a Legal Firm

The first and foremost step in this direction would be hiring a law firm to take the paperwork ahead.

It is almost an unsaid rule that you should establish contact with a group of experienced lawyers in the financial sector.

They should be well versed with all the regulation in the financial sector, and as a result, in constructive and pointed results.

This would mean that you would not waste time or money in unnecessary paperwork, but at the same time, all your legal formalities would be in place.

When you plan on starting a hedge fund, it is always better to go for an experienced and well-versed lawyer with Hedge Fund formalities and legislations.

5. Decide on the Fund Type

Every aspect of planning for starting a hedge fund is necessary.

Therefore, getting the fund type right is also important.

However, this will depend on the specific laws with respect to your state.

Be it limited partnerships, trust or whichever type of hedge fund variant that you would like to create; it is important to undertake detailed research in this context.

Contacting the state specific commerce department is extremely important to get the regulation details.

This will help you understand the relevant guidelines for complete details.

In case you decide to opt for a limited partnership for your hedge fund, it is important to realize that there are two parts to it.

It will either be a general partner who acts as the business manager and is liable for all loans or corporations. In the case of corporations, they become the general partner.

In this case, the limited partners, however, are not liable for any loans undertaken by the company.

A firm decision on the fund type can go a long way in influencing the overall investment strategy and operational dynamics of the hedge fund that you are planning to start.

It also eases out the regulatory formalities associated with the hedge fund.

6. Create a Team of Advisors

Planning and preparation of how to start a hedge fund invariably need to include a team of trusted advisors.

Remember the success of any hedge fund invariably depends on the quality of the team that you put together.

Remember it is rather difficult to sell the hedge fund to investors without creating a substantial track record of success.

This is exactly where a team of trusted and experienced advisors can make all the difference.

While the hedge fund might be new, there is absolutely no doubt that the credibility of the team can go a long way in establishing a distinctive identity for the hedge fund.

Additionally, the team of advisors that you select also needs to be dynamic personalities.

Their interpersonal relations, vision about the future and passion in the present plays a key part in furthering the business prospects in a comprehensive manner.

7. Create a Fund Name

Think about the time you named your child.

The tribulation and turmoil that you went through in selecting the most appropriate name.

Well, starting a hedge fund is no less momentous.

So be very careful about naming the hedge fund that you are creating.

Think about a name that is catchy, sounds dependable, extremely stable.

It should be a serious and reputable name that will sound convincing to your investors.

Additionally, the name would also need to promote the image of the concept that you are creating.

In the context, it is always important to connect the name to the core investment strategy of your hedge fund.

In many ways, the name of the hedge fund should take forward the vision that the hedge fund was conceptualized with.

8. Apply for the Tax ID

In a stepwise progression and preparation of how to start a hedge fund, the next step involves applying for the tax ID number.

According to the US regulation, you need the Federal Employer Identification Number from the US Revenue Department, Only then can you begin operations seamlessly.

Applying to the IRS is no big deal either.

You can easily fill the form online on the IRS website.

You don’t have to pay anything to get this ID number either, and the process takes barely a few minutes.

Getting this number is not just important from the regulation perspective, but it is also relevant in lending better credibility to your business model and attracting more investors.

9. Register Company as Investment Advisor

The next step in your plans for how to start a hedge fund is another regulatory formality.

You have to register your company with the US Securities Exchange Commission as an investment advisor.

However, the precondition is that you need to have at least 15 investors associated with the fund.

According to the law of the land, all potential advisers also have to apply for Uniform Investment Adviser Law Examination.

A basic three-hour test, it probes your understanding and basic knowledge of the various securities laws and their implementation in the Hedge Fund market.

– A Corporate Partner

When you are starting a hedge fund, there are two ways you can structure a fund.

You can either be the sole proprietor of the hedge fund that you have created or create a corporate partner.

Of course, when you make a corporation with your partner, you reduce your own liability to a large extent.

In this context, you must remember that in limited partnerships, all obligations of the business and liabilities are with the general partner.

However, in the case of a corporate partner, your personal assets are saved if there is ever a legal dispute on any matter.

The corporation becomes the legal entity responsible for the business.

However, this process should be completed in the presence of a lawyer ad completely with legal guidance.

Creating the separate identity gives the hedge fund relatively greater credibility and a better leeway to deal with the legal complexities.

Creating the separate entity also results in a relatively smooth functioning of the entire operational matrix of the hedge fund.

10. Creating Corporate Bylaws

The process involved in how to start a hedge fund is never simple.

There are innumerable formalities associated with it.

Your firm has to work on compiling a unique set of in-house rulebook to move forward. Some of the most commonly used by-laws include:

  1. Compliance Manual
  2. Ethics and code of conduct
  3. List of supervisory norms
  4. Portfolio agreement

11. Creating the Offer Document

One of the basics of how to start a hedge fund is undeniably being able to sell it to your investors in a convincing manner.

One of the simplest ways to attracting investors to your hedge fund is by creating a set of document that clearly spells out the various rules, regulation and vision of the fund.

It clearly states the goals of the investment and can often be considered the prospectus of investment tool.

In many ways, we can consider the prospectus as the key document that protects the hedge fund too.

This is because it clearly states the terms and conditions of operations.

It also states the liabilities and losses of investors in very clear terms.

Additionally, it gives details of the various strategies that would be implemented by the hedge fund.

Therefore, there is no scope for ambiguity and the hedge fund is literally an open book to its investors.

However, this memorandum or prospectus is not an option for the hedge fund.

The regulatory body makes it a mandatory provision, and it is important to make sure all necessary disclosures are made.

12. Promoting the Hedge Fund

Last but not the least important, when you are looking to explore options about how to start hedge fund on your own, you need to actively promote the hedge fund.

This is the only sustainable way to generate capital and take forward the concept.

So as we draw to almost the last step in how to start a hedge fund, we kind of harp on the most important and first step of the whole process.

In short, promotion is as important to starting a hedge fund as generating capital for it.

In many ways, seeking capital and promoting a hedge fund operate in a symbiotic fashion.

Promotion often is the most refined form of salesmanship to create the necessary eyeballs to garner that interest amongst the investors who would eventually pump in the money necessary to sustain the hedge fund.

Your promotion campaign normally focuses on some key factors:

  1. The key factors contributing to your success
  2. The reason why your hedge fund offers superior opportunities
  3. The return target and potential offered by your hedge fund strategies.

In short, your promotion campaign is all about bringing in maximum value to your hedge fund execution implementation and final potential.

The idea is to create sustainable value over the long-term ad take it forward to the end users eventually.

As the old saying goes, nothing attracts success like success itself.

When investors get to know of the track record, the average success rate of your fund and the talent and expertise of the partners and employees that your firm recruits, they will be more convinced about your venture.

You can even offer incentives to your investors in the initial phase.

However, you must keep in mind that you are not breaking any regulation guideline in the process of offering marketing incentives to your investors.

This will serve a dual purpose.

While on the one hand, you are more prone to win over your customers and potential investors through the incentives, you can be sure of not rubbing the legal administrators the wrong way in any possible manner.

Try and use the online channels for active promotion of your hedge fund.

The biggest advantage is that you can be rather dynamic with your promotion plan.

The online presence will give you more flexibility, and more and more people get to know the product that you have created.

We mentioned how sometimes more than the product, it is the person who created the hedge fund which attracts more attention.

Sometimes, the product might be new, but investors have trusted a specific fund manager for years, and often the above average response seen by many new hedge funds represents this fact quite appropriately.

Conclusion

Therefore, we can conclude that the process involved in to start your own hedge fund is systematic and methodical.

Of course, you might find it rather painstaking to proceed in such a step by step manner, but the fact remains that it helps in creating meaningful gains.

The sustained recalibration of the investment rationale and objectives make sure that customer interest is never compromised with.

Raising capital, promoting the products and providing the marketing team with the promotional material form the three main pillars to take forward the investment module in a constructive manner.

Starting a hedge fund often needs sustained patience, diligence and absolute precision.

Investors need to have a clear picture of the vision and financial goals of the hedge fund.

This single-handedly makes sure that maximum possible interest is garnered for the new and successful investors as well as seasoned veterans.

This improves both the return potential as well as the reach of the visa department.

Best Stock Trading Books All Stock Traders Must Read

We often turn to some of the best stock trading books to seal our success in stock markets.

We all know that stock trading is no child’s play and it needs years of training and expertise.

But given the swift gains and the huge volume of profit, it is often every investor’s dream avenue.

While a variety of training sessions and expert lessons are available, books often provide the most effective solutions.

One big advantage is the ease of access to the books.

Best Stock Trading BooksYou can read them anytime you want.

All you have to do is reach for them in your cupboard or read on the go in your ebook reader.

You don’t have to set aside separate time for it.

Moreover, the books are invariably forever; they never have a shelf life.

You can refer to them, and these can continue to enrich your knowledge base.

Given the wide demand for stock trading books, there are plenty of options available.

You have a stock trading book on practically every aspect of trading in the markets.

It is impossible to read everything that is printed.

But in that case, you will have to choose between the available options.

That can be a rather uphill task most times.

But we decided to make the task a lot simpler for you.

Here is a list of some of the best stock trading books thus far.

Though every book offers a unique assortment of knowledge, we tried to pin down the most practical ones.

Moreover, this is a list of stock trading books that are easy to comprehend and practical too.

Some of these books are classics that have guided stock market traders for generations now.

So…

What Are the Best Stock Trading Books?

Here is the list of the best stock trading books that you must read if you want to be a successful stock trader:

  1. The Intelligent Investor Written By Benjamin Graham
  2. Extraordinary Popular Delusions and the Madness of Crowds Written by Charles Mackay
  3. How to Make Money in Stocks by William O’ Neil
  4. Trading Systems and Methods Written by Perry J. Kaufman
  5. Quantitative Trading Strategies by Lars Kestner
  6. Technical Analysis of the Financial Markets by John Murphy
  7. Fooled by Randomness by Nassim Taleb

1. The Intelligent Investor Written By Benjamin Graham

The Intelligent Investor Written By Benjamin GrahamThis book by Benjamin Graham features prominently in any list of best stock trading books.

The stock market trading today is practically synonymous with Warren Buffett and Charlie Munger.

So it is only natural that what their professor and guide had to say holds a lot of value.

But that apart, this classic by Graham is one of the most pertinent and invaluable books on stock market trading.

In fact, Graham the father of value investing provides the fundamentals of great investment strategies in this book.

It will not be wrong to say that his ideas in this context have become the foundation for modern investment basics.

Value based buying and investing is today the guiding mantra for most beginners.

This book will help investors the art of picking stocks and mastering strategies.

This is a rather crucial part of the stock market investment.

This is one of those unique stock market books that offers investors some effective and time tested strategies.

Perhaps Warren Buffett’s words best describe its brilliance,”it is the best book on investing ever written.”

What is very striking is how beautifully this book has remained relevant despite the slew of changes in the trading arena.

The economy has grown in leaps and bounds, the stock market have advanced at a hectic speed.

Computers and ready internet access have made a great headway in this regard.

But despite that, this book continues to provide a positive and worthwhile perspective.

The style of narration and the conversational style surely helped in its acceptance.

This stock trading book opens up a huge treasure trove of investment strategies and how to apply them.

Every time you get stuck, you can refer to this book for a ready trading solution.

This book is all about strengthening your fundamentals and applying that knowledge practically.

2. Extraordinary Popular Delusions and the Madness of Crowds Written by Charles Mackay

Extraordinary Popular Delusions and the Madness of Crowds Written by Charles MackayIf you are serious about stock trading, you surely need to read this stock trading book.

It is one of the best books on market psychology.

An in-depth study of trading psychology, it is in fact extremely relevant in today’s world.

Often considered a classic in the stock trading genre, it was written in 1841.

Interestingly the book still continues to be relevant for traders in the current generation.

It highlights how easily investors can be tricked when they allow the crowd to influence them.

That is why there is the reference about extraordinary popular delusions.

Mackay warns the readers repeatedly about following the crowd.

In that context, it is one of the strongest opposition to herd mentality.

He mentions that the madness of the crowd often results in a downward spiral.

What is perhaps extremely striking is that he highlights these through some common human manias.

He uses historical references to make us aware about some ready and important current day challenges.

He addresses fundamental market problems like speculation and herd mentality in this book.

Then, he goes on to highlight that these conditions are never conducive for sustainable gains.

Time and again, he warns investors against getting into any of these traps.

He uses some distinct real life trading examples.

That surely enhances the impact of the message that he is putting forth.

The style of narration and the use of simple language are bonus points.

That surely helps drive the point a lot more effectively.

Sadly much of the madness that Mackay mentions is a reality even today.

It continues to plague investors and sentiment in a sustained manner.

That, in many ways, also highlights the potential for investors who follow the advice in this book.

3. How to Make Money in Stocks by William O’ Neil

How to Make Money in Stocks by William O’ NeilThis is yet another classic on stock trading and one of the best stock trading books.

The primary aim of the book is to empower investors with the knowledge of bigger and better gains.

Timing market entries and exits is often the main trigger for sustained gains.

This book aims to empower its readers with exactly this knowledge.

It helps them with sustained understanding of the market basics.

This is a kind of book that actually enables investors to learn how to make money.

The stock market is extremely dynamic, and the market forces work in tandem.

A smart investor needs to decode these for sustained gains.

A stock trading book like this one by O’ Neil strives to do exactly this.

It paves the roads for investors to clock steady and meaningful gains.

As a result, this book combines both fundamental and technical knowhow.

That is what makes it a must-read for beginners and new investors in the market.

It initiates them into the variety of stock market experience and helps them chart the most profitable opportunities.

It invariably turns out to be a great guide for new investors.

Even if you never invested in a stock earlier, this book will offer some practical perspective for you.

The book helps readers analyze charts, improve the quality of stocks they pick and hence reduce mistakes to an extent.

It brings to light how traders can turn in more profit with effective reading and observation.

Therefore, in many ways, it is a new traders handbook on distinct market features and how they profit from it.

William O’Neil is himself and entrepreneur, stock trader and writer.

Needless to mention, his this personal experience spices up the content significantly.

4. Trading Systems and Methods Written by Perry J. Kaufman

Trading Systems and Methods Written by Perry J. KaufmanThis is undeniably one of the most comprehensive and amongst the best stock trading books.

It includes a wide gamut of stock trading strategies and details of how they work.

Readers can even get information about the latest trading systems.

The techniques and tools that enhance trading find prominent mention in this book.

The book was first written about 30 years ago but continues to be relevant to this day.

Depending on the time and need, it is being updated continuously.

That addresses user concerns a lot more comprehensively.

It keeps them in sync with the changing facilities.

A thorough study of this book surely deepens the stock market understanding to a large extent.

As a result, the users learn to integrate the various elements of trading a lot more effectively.

The book also incorporates crucial risk management concepts that investors can take advantage of.

So whether you are a seasoned trader or a first timer, this book will give a definitive edge to readers.

Despite the comprehensive details packed in this book, the narration style has not suffered.

Every type of stock trader finds the book extremely useful in this context.

It is very accessible and extremely practical in this context.

The author, Perry Kaufman provides a practical pocketbook with a host of information for the readers.

The analytical approach and the detailed methodology adds further depth to the reader’s comprehension.

It empowers traders to develop their own trading methodologies and techniques.

So it, no doubt, creates a comprehensive database of concepts for the readers.

The easy to understand approach and style of writing improves the accessibility of the book as well.

It also opens up an interactive platform for a superior reader experience.

That surely creates a lasting impression.

5. Quantitative Trading Strategies by Lars Kestner

Quantitative Trading Strategies by Lars KestnerWhen we talk about the best stock trading books, it has to cover every aspect of stock trading.

That is why no list can be complete without a mention of Quantitative trading.

Quantitative techniques are fast evolving as one of the most definitive techniques.

One of the best stock trading books in this context is by Lars Kestner, The Quantitative Trading Strategies.

This specializes in helping readers harness the true value of quantitative techniques.

It empowers traders to work out winning strategies with far reaching impact.

The primary objective of the book is to provide strategies that can significantly reduce loss proposition.

It helps traders to use quantitative trading constructively to tackle market volatility effectively.

As you know, quantitative trading depends on the detailed analysis of historical data in markets.

Using purely mathematical strategies, users can calculate exit and entry points in the stock market.

The idea is to create convincing avenues that can deepen profit percentage significantly.

It also helps in making the trading strategies lot more systematic.

The core idea is to bring in order in overall trading and enhance profits.

This particular book helps readers get a better view of overall quantitative management.

The best part of the book is that it takes cognizance of the limitations of quantitative trading as well.

Readers are not swimming in an euphoric sea of expectation.

The terribly individualized approach creates scope for meaningful profit at every juncture.

That is what enhances the profit prospects to a large extent.

Most importantly, it reduces the loss prospects in a meaningful fashion.

So then, they can tackle unstable market conditions with equal poise and confidence.

The author explains how you can use a gamut of market information to further quantitative analysis.

It is geared for effective trading.

6. Technical Analysis of the Financial Markets by John Murphy

Technical Analysis of the Financial Markets by John MurphyNo list of the best stock trading books can be complete without mention of technical analysis.

Technical analysis is an inseparable part of stock trading.

For every trader who depends on fundamental analysis, you have one doing technical analysis.

This is why John Murphy’s Technical Analysis of the Financial Market is one of the must-have stock trading books.

It is one of the most comprehensive and detailed studies of technical indicators in the market.

Readers get a ringside perspective of how the technical patterns form and the way they can take advantage of it.

It expands the overall scope of understanding about market technicals as well.

The book is packed with series of real technical charts.

That helps readers to put the technical understanding in the right perspective.

This is, at times, very important to take full advantage of the potential of technical trading.

From price patterns to reversals to moving averages, this book provides a conclusive list of topics.

Readers can use the information to master contrarian trades, look at oscillators and create continuation patterns.

It is all about developing a meaningful learning trajectory using this book.

The most important part is this book is useful for both beginners as well as seasoned traders in the market.

The style of writing is simple and easy to grasp.

Unlike fundamental analysis, the technical analysis needs in depth understanding.

But this book makes it a rather easy concept to master.

While on the one hand, it is packed with information, the narration is not weighed down because of it.

The clear and concise explanatory method helps traders develop a meaningful insight.

It is in many ways a technical analysis made-easy for interested investors.

It unfolds a platter of profitable concepts.

7. Fooled by Randomness by Nassim Taleb

Fooled by Randomness by Nassim TalebIn the list of the best stock trading books, this is undeniably one of the most modern books.

By modern, I just don’t refer to the date and year when it was published.

It is modern also in the overall market perspective.

It looks at the market and stock trading in a brand new format and helps you develop a deep insight.

The primary concept of the book is a detailed study of the concept of randomness.

Whether you like it or not, randomness does play an important role in the market.

Often, the extent of its influence is much larger than you anticipate.

This is Taleb’s easy guide on how you deal with it.

But don’t be mistaken that it is only applicable for life in general.

Many times, this randomness plays a key role in stock trading.

For example, when you invest in markets, you must remember that the risks are much larger than you anticipate.

It also goes on to imply that you can never pre-determine the extent of risk in the stock market.

That is often the biggest mistake that even seasoned traders make.

This book reminds you of a fundamental fact that you can never take the markets for granted.

But at the same time, you will have to be mindful of the risk associated.

After the ‘Black Swan’, this is one of Taleb’s most popular and interesting works.

It takes your grasp of stock trading to a different plane altogether.

Conclusion

These are undeniably some of the best stock trading books you can read.

But that does not mean; there aren’t any other available.

Remember this is only a finite list of the best stock trading books.

But the overall extent of information about stock trading is infinite.

If you want to become a stock trading expert, the goal is to keep reading.

That will alone help you in getting meaningful insight and stay updated in stock trading techniques.

Perhaps this list of the best stock trading books is the most effective way to start the process.

Next Financial Crisis and How to Stay Ahead of It

Are you aware when can the next financial crisis is going to strike through?

Well, when we hear the word ‘financial crisis’, it certainly brings in a terrible fear among us.

Financial crisis is a real catastrophe and apparently, is worrisome enough to send down chills to your financial soul.

Whether or not we are close to the next financial crisis takes a lot to explain and although unpredictable, we need to be prepared.

Let us have a close look to when the next financial crisis is and how to stay ahead of the game.

Introduction

Any thought of a fiscal catastrophe such as job loss, car wreck, illness, is fearsome enough to keep you restless.

However, a prospect of anything pricey or beyond your control may bother less when you are duly prepared.

Next Financial Crisis and How to Stay Ahead of ItPredicting about the next financial crisis is a tough thing, however, the current circumstances speak something else.

With the markets volatile than ever and continuous geo-political threats, the next financial crisis doesn’t seem too far.

Hence, with the presumption that the next financial crisis is not that far, you ought to take splendid preventive steps.

According to several economists and market experts, the next financial crisis is imminent, looking at the current market scenario.

Financial crisis does not only hamper the market but it also brings in a lot of hurdles to your personal finance as well.

The market is pretty much in debt now and revitalizing it from the current position is something that is beyond.

Although it is true that money itself is a cause of worry and stress, however, the current global economic meltdown has left many trembling in fear.

People are afraid now of losing their houses or savings to this economic meltdown.

A Deeper Research into the Next Financial Crisis

The next financial crisis is imminent and the market recently have gone through several scenarios that makes it clear.

Over the past many years, the global monetary policies have been super-easy.

Nevertheless, it has fallen prey and now caught up in a debt trap of its own process.

Keeping up with the trending monetary path is useless and potentially dangerous.

However, at the same time, reversing from this path has its own set of risks and is followed by another crisis knocking at the door.

We could only hope that reforms brought in by policymakers to face-off such a situation is simultaneously evolving.

It is undoubtedly imprudent to just sit back and pray for the next financial crisis never to happen.

Going with the current monetary policies brings in a fear of inflation.

At the same time, the lack of economists’ understanding about the potentiality and inflation process could make it worse.

The situation could easily get out of hand and literally you can do nothing about the next financial crisis.

Inflation, nevertheless, is not just the only threat we would have to face.

The rate at which the debt ratios were increased over the decades even after crisis showed up is really absurd.

This was a primary concern for the advanced economy prior to the crisis, however, since then it became global threat.

Moreover, a risk tolerant attitude has disturbed the financial stability, thereby decreasing the profit margins drastically for several conventional organizations.

Most importantly, this monetary system encourages resources misallocation by banking institutions and other financial organizations, which makes it more fragile.

Due to this kind of actions, the increasing debt commitments can’t be honored as it should be.

Can Monetary Policies Be Normalized to Averse the Situation?

The question now comes is that whether this monetary policy can be normalized to averse the next financial crisis situation.

Well, normalizing these monetary policies carries its own set of risks.

Apparently, a global economy that is strengthened is more preferable in contrast to a fluctuating economy.

The pressures of inflation in this situation could lead to the tightening of monetary system leading to destabilized consequences.

Governments as well as international organizations should readdress the bankruptcy rules and procedures.

The ones which is not possible to service should not need to be serviced.

Any kind of unintended regulatory norms consequences reduces the liquidity of the market.

Financial markets may react in ununiformed way to the signs of better growth even when inflationary pressures do not exist.

In advanced countries, sovereign bold returns are at drastically low levels and are perfect for reversals.

If it does go for reversals, then it might have essential impacts on the over-extended values of many distinct assets.

Which Actions Can Be Taken to Alter the Outcome?

What actions do the policymakers need to prepare for the outcome?

How can they ensure everyone is ready to face-off the next financial crisis?

Central banks and governments collaborating with international institutions should negotiate understanding memorandums to decide their individual role in times of crisis.

‘War games’ can be an exemplary adjunct to such scenario.

It is imperative to ensure splendid liquidity levels for stabilizing the market as well as the entire financial system.

For example, in the U.S, several provisions of the Dodd-Frank act was implemented during the time of crisis.

It would hamper the Federal Reserve in terms of providing domestic as well as international liquidity.

Apparently, the most imperative steps for the government and banks is to readdress the bankruptcy process.

The debt that is not possible to service should not be addressed.

They should bring in legislation to ensure this happens in a disciplined way.

A recent study at OECD revealed that bankruptcy process for private agents fell short and was not sufficient.

The restructuring process of sovereign debt is not sufficient and upto the par too.

It is imperative to take these steps for avoiding the next financial crisis and a market downturn.

Proper and timely steps can assist resolving the debt laden issues and prevent the next financial crisis.

The need for this preparatory steps is crucial since our scope of reacting to counter-cyclical macroeconomics is limited.

We should always be prepared for the worst, even if we hope for the best.

How to Avoid the Next Financial Crisis?

As we know that the next financial crisis seems way too close, preparing for it is absolutely imperative.

Although we cannot stop the next financial crisis, however, we could surely take some initiatives to stay ahead of it.

Below we will look onto some of the most imperative measures we can help us from falling prey to it.

Maximizing Liquid Savings to Stay Safe from the Next Financial Crisis

Liquid savings is always prudential to save yourself from facing the next financial crisis.

Go for distinct cash accounts such as checking, money market savings, bank savings, CD or certificate of deposits etc.

Even short term investments to government bonds could help you the most in times of financial crunch.

You will always want to turn your heads to these accounts since their value is consistent.

They do not change with the market unlike equities, stocks, ETFs etc.

It signifies that you could withdraw your money anytime without worrying any financial loss.

In contrast to retirement accounts, you do not have to pay penalties for premature withdrawal or any tax penalty.

However, CDs are an exception and you need to forfeit some interest value for premature withdrawal.

You should not invest into high risk investments such as stocks unless you have advance liquid cash worth some months.

It depends on your own financial risk tolerance and obligations to decide how much liquid cash you need.

If you have several obligations such as paying mortgages and other stuffs, you need to have more liquid cash.

Always keep room for liquid cash to run for three months atleast.

If you are unemployed that should be at least for couple years.

Always Make a Budget to Avoid the Next Financial Crisis

If you are unaware of how much money is coming in or going out every month, you won’t be able to stack it up.

If you want to stack up money, you need to know how much you need.

Budget is the best way to know it.

Keeping a budget helps you in deciding whether you are underspending or overspending on your money.

Budget is surely not going to change your behavioral finances, but it is surely a decider.

It won’t stop you from changing but will aid in knowing whether you are satisfied with the current expenses and where your money is going.

This helps you to know your current financial position.

Cut on Monthly Bills

This is an important part to save yourself from the next financial crisis.

You may not have to cut down on it now, but you should start doing it to prevent the next financial crisis.

Cut down your expenses on anything that is unnecessary.

If you make a practice of reducing your monthly expenditure, you can pay your bills easily when there is a crunch.

You will have less difficulty in paying off your bills when there is a crisis if you practice from now.

Look at your budget now and decide whether you are spending on something unnecessary.

Do not waste your money.

If you are paying for a bank checking account, then look for a bank that serves free checking.

Are you spending on your landline that you seldom use?

Cut on it and you will see, you are on a good budget.

You can find several ways to save your money and cut down on unnecessary expenses.

Use electricity wisely and ensure no fans, lights are turned on when you are not there.

It will help you trim down on electricity bills, thereby saving you money.

You can also save on your insurance policies if you research a bit and look for companies that gives extension.

Manage Your Bills Wisely

There is no need of wasting money on late payments fine or finance charges, yet we do it always.

During a crisis or job loss, you need to be over cautious in this area.

If you become a little organized, then you can save a lot of money on your monthly bills.

A single late credit card payment could make you suffer a loss of almost $300 annually.

You could also cancel your card when you think is the time as the last resort to save your money.

Set couple dates in a month to check out if you missed out on any bills.

You can also schedule electronic payment options or mail alerts so you can pay several days prior to due date.

If you have problems handling so many accounts, you could prepare a list to ensure everything.

This way you will know which comes first and which the most important ones are at times of the next financial crisis.

Maximize the Value of your Non-Cash Assets

To prepare yourself for the next financial crisis, you need to check all the options you have.

Do you possess frequent flyer miles that can be used while traveling?

Is there any extra food items in your house which you could plan of using as meals?

It will cut down plenty of money on your grocery bills.

Is there any gift card that you could sell for getting cash or use towards your own entertainment?

Does your credit card offer you rewards that you can turn into gift cards?

All these non-cash assets will assist you in lowering down on monthly expenditure.

However you have to know it and use it wisely to get optimum benefits.

Pay Back Your Credit Card

If you possess a credit card and owe a debt, then it is taking a decisive portion of the monthly budget.

If you pay back the debt of your credit card, then you can save plenty of money on your monthly budget.

You can be in a position to start your nest egg and place yourself in a more secured financial position.

If you can get rid of your interest payments, you can use the money towards more important things.

Get Better Credit Card Offers

If your current credit card has balance, you can transfer it to another credit card having lower interest rates.

Lower interest rate means you can pay it sooner and have some room in your month budget.

You should ensure that the savings are more compared to the balance transfer fees.

If you transfer your balance to a new card with less introductory APR, pay it off during the introductory period.

Decreasing the rates your credit card is charged is the first step towards ridding of debt.

Earn Extra Cash to Face the Next Financial Crisis

Always look out for earning some extra amount of cash.

You can have plenty of options to earn that extra cash such as garage sale, freelancing, chasing credit cards etc.

These small amounts of cash could add up to build a significant amount of money over the course of time.

It will help in managing your finances better and assist in paying bills better, thereby surviving the next financial crisis.

Expert Opinions on the Next Financial Crisis

There have been constant remarks on the next financial crisis from renowned economists and market leaders.

Here we will check out a few of them to understand their opinions.

The financial crisis of 2008 left many unemployed and was the Great Recession Era.

It took several years for USA to recover, however, they can still feel the crumbling effects.

In accordance to Microsoft Co-founder, we should all be prepared to embrace the next financial crisis.

During a Reddit show when asked about the next financial crisis, he answered that it is certain to happen, however, time unknown.

He went on saying that we fortunately survived the 2008 crash, and Warren has talked about it several times.

However, he is the one who is experienced on this area and more knowledgeable than Gates- he said.

Warren Buffet has said that as an investor, you need to be a level ahead and follow the course in case of crisis.

A large amount of debt is definitely a big No-No to Warren Buffet in terms of an investor.

He insists on keeping substantial amount of cash in reserve if you want to survive the next financial crisis.

Buffet said he always prefers keeping $20 million on hand for better financial flexibility which none can simply level up.

Warren said always to be ready since the light can turn from green to red anytime without even reaching yellow.

Best Forex Books to Read

The forex market is one of the most liquid ones, but sometimes even the best Forex books are unable to entice investors.

This is primarily because the forex market is still largely untapped.

The biggest operators in the market are primarily large institutions.

Liquidity is very high in the forex market.

The daily trading volume exceeds $5 trillion on an average.

In fact, the volume generated after 30 days of trading on NYSE gets done in a matter of a day in the forex market.

This is exactly why interested investors need to refer to books that help them with practical understanding.

Best Forex BooksThey need to refer to books that apprise them of the market realities.

The books on investment in the forex market are not just about clocking profit.

You will have to understand how the global markets are connected.

This is because the forex market movement is again closely linked to geopolitical events.

Moreover, it is always beneficial to read a book that can help you with the best case scenario and the challenges too.

Keeping in mind this requirement, we decided to create a unique list of forex books.

These are not just among the best forex books globally but very practical too.

It helps you to understand the dynamics of the market and also devise appropriate strategies.

What is particularly interesting is that most of these books that we are referring to have stood the test of time.

They have continued to inspire generations of forex market investors.

The books that we have shortlisted are suitable for every kind of forex investor.

Whether you are a beginner or seasoned veteran, these books help you with deep insight.

The idea is to refer a handbook for easy investment strategies for those looking for relevant books.

Best Forex Books

Here is the list of the best Forex books that you should read:

  1. Forex Trading: The Basics Explained in Simple Terms
  2. Forex For Beginners
  3. Currency Trading For Dummies
  4. Thirty Days Of Forex Trading
  5. Day Trading and Swing Trading the Currency Market
  6. Technical Analysis of the Financial Markets
  7. Reminiscences of a Stock Operator

1. Forex Trading: The Basics Explained in Simple Terms

This book written by Jim Brown is one of the best forex books.

The book is concise and lucid at the same time.

It makes readers aware of the dynamics of the forex market in a detailed manner.

You can even refer to this book as your forex market made easy

Brown painstakingly explains every small and big element that you may come across.

Often for beginners, this is a major challenge in the forex market.

But this book by Brown gives you a virtual tour of forex trading in a comprehensive manner.

He refers to the key elements that are important for effective forex trading.

He makes viewers aware of a variety of entry and exit strategies as well.

Most importantly, this is one of those books that make you confident about forex trading.

Readers get a firsthand idea about the dynamics of money management.

They begin to understand how they should be dealing with trading psychology.

If you are starting out in the forex market, you must grab a copy of a book like this.

Even for seasoned investors, this book will help sharpen their trading skills and enhance the basics.

The basics are the foundation for quality investment in the forex market.

The trading strategy for readers at the end is an additional bonus.

You can easily adapt them to enhance your portfolio and add to your profit.

But you need to be clear this book is not about mastering top 5 strategies in the forex world.

On the contrary, it strengthens an investor’s understanding of the forex market.

This, in turn, is set to empower them to create their own strategies in a conclusive manner.

It becomes the basis for exploring the true potential of the forex market.

2. Forex For Beginners

When you are creating a list of the best forex books, this is another important addition.

As you can well imagine from the title, the author Anna Coulling, wrote it for complete beginners.

She created this handbook to guide people who are completely new to the world of forex trading.

In fact, this happens to be the third book by Anna Coulling on the issue.

But she considers this book as a prequel to the previous two.

This is because the earlier books are more generic in nature.

They are primarily geared towards readers who are already trading in forex

‘Forex for Beginners’ practically guides investors through the various alleyways of forex investment.

The Ups and downs, the challenges and the advantage, Coulling offers a virtual tour through this book.

It is primarily a systematic introduction to the various facets of forex market investment.

It gives readers a detailed overview of the trading basics.

Needless to mention, this kind of book helps investors get a grip on the market dynamics.

It sets them up for a deep and intriguing journey into the depth of forex trading.

Coulling’s career as a full-time forex trader adds further credibility to the book.

She has over 16 years of experience in the financial market and is a self-taught trader.

The kind of success that she amassed in little more than a decade is unimaginable.

That is why her works are regarded with a lot of respect and credibility.

Helping other investors benefit from the forex market is the primary objective.

She empowers beginners to come and add value to their portfolio.

But she does not want them to operate blindly on these suggestions.

This is where the book, Forex For Beginners makes a huge difference for its readers.

3. Currency Trading For Dummies

This is a relatively new book, but this has become an indispensable one.

First published in 2011, the author Brian Dolan literally takes forex trading to your living room.

As the title suggests, this book is all about explaining forex trading to the uninitiated.

Dolan is a forex market veteran.

He has over 20 years of experience in forex trade.

That in many ways makes the book an amazing read for those who are first-timers in the forex market.

Dolan has worked as the Chief Currency strategist at Forex.com.

Needless to mention that this experience makes him an authoritarian voice in the forex market.

Not only is he an expert on the subject, but he is a voice within the industry.

He has regularly used a variety of instruments to analyze the forex market and how it operates.

Needless to mention that the book in many ways is a true reflection of this analysis.

It highlights his superior command over the forex trading dynamics.

Be it fundamental or technical analysis, he guides readers about how to use them to their advantage.

He has been at the helm of the latest innovation and development in the forex world.

This book becomes your window to the world of forex trade.

The language and the narration style of this book are exceptionally simple.

That helps in conveying the points in a clear and direct fashion to the target readers.

As a result, readers are also able to grasp these topics in a clear manner.

The instructions on forex market trading are extremely direct and straightforward.

All of it undeniably helps in creating a deeper forex trading experience.

That will, no doubt, help give you trade a definitive edge if you are reading this book.

4. Thirty Days Of Forex Trading

When you delve online, you will notice the world of forex trading is replete with myths and wrong notion.

The fact that it is not as actively used by retail traders as the stock markets sometimes create opportunities for these loopholes.

Forex trading is not simply about another profitable trading avenue.

In many ways, it is an untapped medium that can enrich anybody’s trading experience.

Thirty Days of Forex Trading is exactly about that and more.

It helps you to learn how to tackle the forex market from the front.

Often people liken forex trade with stock trading.

Perhaps the fundamentals of trading are similar.

But the problem is it is a far more dynamic platform than stock markets.

The stakes are also way higher in comparison.

This is why this one is one of best forex books that can help you get an edge over peers.

However, don’t be mistaken by the name.

It is not a book for beginners in the stock market.

It is typically meant for those who have a certain degree of understanding.

Also, it seeks to give its readers a deeper and a detailed understanding of the stock market.

This book written by Raghee Horner is a mix of a trading journal and trading instruction.

This book introduces forex traders to a wide array of trading tools.

It gives them a detailed understanding of how they can turn these into profit opportunities.

What really adds further credibility to the work is that Raghee herself is a celebrated day trader.

She gives a ring-side view of the market dynamics through her eyes.

Raghee’s commentary is very well respected across forex cycles.

She shares this treasure of knowledge quite openly.

As a result, the book commands a lot of respect from regular traders.

5. Day Trading and Swing Trading the Currency Market

This book is written by Kathy Lien and gives readers details about Technical and Fundamental Strategies.

Unlike stock markets, there is a very thin line that distinguishes fundamental trading from technical trading.

Kathy Lien in this book seeks to address exactly this grey area of forex trade.

The fact that she is one of the world’s most celebrated forex analyst adds more credence to her work.

What is particularly interesting is how often this book is updated.

It is, therefore, one of the must-haves and figures prominently amongst the best forex books.

There is something else that is unique about this book

Of course, it stems from Kathy Lien’s unique perception of forex trading.

She has very deep and thorough understanding of both technical and fundamental trade in the forex market.

She effortlessly weaves macro developments with key technical levels for entry and exit.

This creates a sense of unique appeal in the reader’s mind.

Apart from a trading veteran, regular retail traders do not classify their trades as strictly fundamental or technical.

However, with the help of this masterpiece by Kathy Lien, that line more or less disappears.

Traders learn how to balance between the fundamental and the technical elements in the market.

That, in many ways, offers them a meaningful trading opportunity and comfortable exit points.

An additional bonus is that this book has trading strategies for both types of forex traders.

Whether you prefer fundamental or technical trades, Kathy charts out some clear, hard-hitting strategies.

It enhances the fundamental understanding that readers often lack.

Kathy puts to use her personal trading expertise to chart out potential strategies that can help traders.

So it goes without saying that reading this book will surely give you a distinct edge.

6. Technical Analysis of the Financial Markets

When you are looking at the best forex books, this one by John J. Murpy is a must have.

This is because technical analysis plays a very crucial role in forex trade.

Compared to stock markets, forex markets are most times unimaginable without the forex charts.

In that context, this book becomes one of the most dependable reference materials to use.

When you want to know about a specific technical development, it the sort of book that comes to your rescue.

It provides readers easy and simplified understanding of the complex technical developments in the market.

It gives readers a ringside view about how each technical indicator work.

So if you are serious about forex trading, you also need to consider this book seriously.

With over 500 pages, this is pretty much the technical analysis bible for the forex market.

It covers a wide range of technical elements and helps readers deepen their technical know-how.

So whether you are curious about technical trends, resistance and support levels or key patterns in the market, you have an answer for everything.

It will not be wrong to say that this is the best forex book for technical analysis.

While there is no dearth of books on this matter, the clarity that this book achieves is phenomenal.

It helps readers get a deeper grasp of the complex technical elements in the forex market.

It is one of the cornerstones of great trading experience in the forex market.

7. Reminiscences of a Stock Operator

I am sure that you are confused reading the name of the book.

After all, we are discussing books about the forex market.

Well, the ‘Reminiscences of a Stock Operator by Edwin Lefèvre is also about forex trading.

In many ways, it is one of the original classics on forex trading.

This book was first published in 1920 and is undeniably one of the best forex books.

The book traces the life of Larry Livingston in its narration.

Livingston is the pseudonym for one of the most talked about traders in the financial market, Jesse Livermore.

Jesse Livermore is one of the most celebrated traders of the forex market.

His life is a tale of continuous ups and downs in the life of a forex trader.

But you may wonder, how someone’s life history can become such an important forex market classic.

Yes, they are inspirational no doubt, but there is more to this book than that.

This book is a treasure trove of trading wisdom.

Practically every page is filled with nuggets of trading expertise and advice for traders.

This is not just theoretical understanding but practical information that traders should have.

The book is replete with many real-life experiences that can enrich anyone’s trading experience.

“Make the trend your friend” or “cut your losses’’ are not mere sayings.

This book helps you with real-life examples of how to take advantage of these.

It is often these nuggets of wisdom that beginners in forex trade miss out on.

Forex trading that way is extremely dynamic.

The market size is very large and the players too fast.

This type of trading understanding that undeniably adds sparkle to your overall experience.

Therefore this book can help sharpen your forex trade several notches higher.

Conclusion

The list of the best forex books can never be considered complete.

Almost every day you have someone new with a fresh perspective on the forex market.

But keeping such a close track of developments is impossible for regular traders.

This is where this list of the best forex books is helpful.

These are decidedly the best forex books in terms of fundamental understanding.

Most times, readers do not have the time to browse through many books.

In that case, you can easily read through our list of best forex books for a deeper understanding of forex trade.

Investments with High Returns

Identifying investments with high returns can be a tricky business.

Most times, the concern is that the high returns accompany high risk.

That is often the most important trigger for many to reduce their profit expectation.

After all, your investments are the key to your future financial independence.

You do not want to jeopardize them looking for higher returns.

However, you can look at planning your investment better.

The first step is undeniably investing in instruments that guarantee higher returns with minimum risk.

In case you think that this is an impossible concept, it is time to think again.

Increasingly, investment planning is gearing towards creating high return low-risk alternative.

Moreover, conventional investment instruments do not offer attractive interest rates that they used to.

Investments with High ReturnsThat too has been frustrating many looking to grow their money the traditional route.

But assessing your risk is very important when you opt for investments with high returns.

That is what will ultimately help them gauge their relative position and decide on an investment.

It is all about taking a calculated risk and taking position according to that.

The amount of risk is often quite reasonable on the whole.

Most of these instruments that promise a higher rate of return are time-consuming.

You do have high yield opportunities in shorter duration.

But most times, these are also the ones that carry a higher risk potential.

But risk again is a relative concept.

It depends on market conditions, the flow of economic news and an individual’s risk appetite.

A person’s monthly income and the extent of liabilities too play a crucial role in this.

Here is a list of some of the most common investments with high returns.

They are popular and modern opportunities with relatively low-risk quotient.

Investments with High Returns

Here is the list of the top investments with high returns:

  1. Peer to Peer Lending
  2. Initial Public Offering
  3. Dividend Stocks
  4. Preferred Stocks
  5. Money Market Fund
  6. Real Estate Investment Trusts
  7. Cryptocurrency

1. Peer to Peer Lending

This is perhaps one of the latest investment instruments promising high returns.

A function of the increasing use of internet-based transactions, this is gaining popularity.

It is not just an investment with high returns, but also a profitable short-term opportunity.

In fact, many financial experts recommend this highly for convenient short-term mobilization of money.

In this case, you are not buying any share or bond.

You are simply lending your money to someone who may need it.

The loan amount can vary from $1000 to $10,000.

The duration of the loan is also flexible.

You can even choose to loan small sums to multiple people instead of one person.

For example, if I can spare $5000 and am ready to lend that, I can decide how to split.

It can be either a straightforward $5000 loan to one person.

The other option is I become a part of the pool of lenders to multiple people.

The rate of return may vary in case I am distributing it amongst many.

There are many online Lending platforms that facilitate this P2P lending.

The advantage of associating with these platforms is that the relative risk is much lesser.

These lending platforms undertake screening of borrowers and lenders.

So the relative risk is much limited in this type of organization.

On an average, the rate of default is not more than 5%.

This is a rather low level of default.

There are some with an even lower count, around 3%

Moreover, the interest rate is sufficient to cover the losses.

The annual rate of interest earned is often between 8-10%

So, if you are careful and offer loans to genuine borrowers, you can earn a tidy profit.

You can also actively diversify your portfolio in this way.

2. Initial Public Offering

Though the risk profile of investing in IPOs is significantly higher, it is an investment with high returns.

In most cases, it is an easy short-term investment opportunity.

You see these gaining momentum during the euphoric phase in markets.

These investments are based on a simple principle of the difference between IPO rate and actual valuation.

For those who are confident about valuing stocks accurately, this offers a wonderful window for quick gains.

Think about the 2017 Snapchat IPO.

Depending on how much the stock value rises on day 1, year 1 and longer term, you can get a handle on the profit.

There are some who are flippers in the market.

They buy and sell the IPO on day one.

All they are interested in is to take advantage of the euphoria and the price gain on day one.

However, this is the forte of extremely experienced investors.

Those who are relatively new in the market should not even try.

You must be able to read the greed and fear cycles appropriately.

You can also make money from an Initial Public Offering over the longer term.

For this, you need a lot of patience and also in-depth understanding of markets.

One interesting example will be that of the TCS stock.

The stock listed at a 26% premium to the IPO price band in 2004.

You may have made money on day 1 by flipping.

If you held on to the stock, it has delivered close to 1100 percent returns since listing.

Not just that, the company also issued bonus shares in the interim.

But you have to be careful about selecting the right companies.

Not every company will deliver the same rate of returns.

You must carefully analyze your investments to guarantee the maximum profit.

3. Dividend Stocks

Do you know anyone holding the Colgate stock?

Ask them why they will not let go their shares for anything?

This is primarily because it is one of the best investments with high returns.

In this case, you invest in stocks with steady returns and also take advantage of the dividend payout.

So, it becomes a simple way to derive better value from the same investment.

Let’s say that you have the option between stock A and B.

Both are offering the similar rate of return, but B also pays an annual dividend.

So it surely becomes a relatively better option to invest in B.

For the same amount, you will be able to derive a lot more value.

However, identifying the most appropriate dividend stock can be an uphill task.

If you do not have adequate market experience, you may end up choosing a relatively low-grade dividend stock.

The problem is when the stock falls, it will take down your investment too.

A relatively safer option will be to invest money in the dividend stock mutual fund.

These funds generally target companies that are good fundamental stories and pay a steady dividend.

This, therefore, becomes a convenient investment with high returns and minimum risk.

This also introduces the much-needed diversification in your portfolio.

One of the biggest advantages is that you do not have to invest time in research.

You get the benefit of investing in Mutual Funds and dividend stocks simultaneously.

For many of the market participants who are relatively new, this offers strong opportunity to clock higher returns.

Often the profit from an investment is measured on the basis of the consistency of returns.

This is where these dividend stocks and dividend MFs come across sure winners.

They undeniably help investors enjoy higher and consistent returns.

4. Preferred Stocks

The stock market offers a few other interesting opportunities for investing.

The Preferred stock surely promises investments with high returns.

It trades like a normal stock but is generally a hybrid share.

So in many ways, it can be referred to as a stock that acts like a bond in many ways.

The dividend rate on these is usually higher than what you can get in CDs.

On an average, these offer at least 2-3% higher rate of interest.

But the interesting part is, these stocks operate in a fairly narrow range.

This, no doubt, creates better prospects for profit.

It ensures that you continue to get a steady return on this investment.

They generally offer monthly and quarterly payments.

Normally the dividend amount can sometimes qualify for long-term capital gains.

So in terms of trading these stocks, they operate pretty much the way normal stocks do.

They are, of course, subject to a variety of market swings and you also have to look out for the tax rates.

The taxation norms that way are the most material risk associated with this kind of investment.

One big advantage is rating agencies grade most preferred stocks.

This means when the investor is buying preferred stock; they are mindful of the degree of risk associated.

This can at times be a big benefit for investors.

It helps them make an informed choice and be fully aware of the risk associated.

So the stocks with lower rating always carry a bigger risk of default.

If the company is liquidated, preferred stock shareholder get the money back first.

However, they do not have voting rights in the company they are investing in.

But given the higher rate of return, that is only a small advantage to forego.

5. Money Market Fund

This is a relatively low-risk investment with high returns.

The money market fund is actually a type of mutual fund.

It is specifically created for investors who want to preserve every bit of their principal investment.

The main objective of the money market fund is minimizing the risk of investment and also generating interest for the investors.

The primary goal of this type of fund is to maintain a minimum $1 NAV.

The minimum $1 per share net asset value represents a relatively stable return scope.

I will not say that these are absolutely foolproof investment options.

But the good news is they do come with a reliable track record of stability and profit.

They invariably are associated with the ability to safeguard the underlying fund value.

The instances of the NAV dropping below $1 level are relatively low.

In fact, it is a possibility only in extremely rare cases.

There are different ways to take the position in these money market funds.

You may appoint a broker, or you can associate with banks that offer high-interest savings account.

You cannot surely compare the rate of interest with many other high return instruments.

But again, this instrument also offers you the comfort of not worrying about your principal.

At the same time, you are also earning a certain degree of interest on ut.

Most importantly, you do not have to keep worrying about your principal amount.

That is one of the biggest advantages of choosing this kind of investment instruments.

You are simultaneously able to address multiple concerns in one go.

While you are doing all of this, you are also able to maintain a stable rate of interest.

This interest amount keeps accruing over a point of time and adds to the profit margin.

 6. Real Estate Investment Trusts

This is a very interesting avenue for investments with high returns.

But this is suitable more for market veterans who have a clear idea of the dynamics.

This is surely not appropriate for beginners who are just about getting their hands wet in markets.

Real estate traditionally is associated with consistent appreciation and high returns.

But the problem with real estate investments is that they need a lot of money.

Moreover, financing has to be arranged for it, and the property needs to be cared for.

That can be an area of concern at times.

However, the REIT or the real estate investment trust provides a mid-path.

These real estate trusts invest in a pre-decided pool of properties.

This can range from commercial to residential real estate.

They then help you clock profit on the basis of the price movement in the real estate space.

The investment in these trusts is significantly lower than complete houses or office space.

But, you must remember that these trusts are prone to swings depending on the market movement.

The rate of interest, economic situation and movement in the real estate market all have a bearing on the prices.

The fluctuation in the real estate market is considered to be one of the biggest risks for these investments.

The higher the divided offering from a REIT, the higher the risk quotient too.

But like I already mentioned at the very behest, this is not for the weak-hearted.

If you have developed sufficient amount of market understanding, you can risk investing here.

While the 10-15% dividend is very attractive, the risk to your investment is no less.

However, if you can read the market movement well, this offers an attractive opportunity to pocket high returns on your investment.

7. Cryptocurrency

This is again one of the high-risk investments with high returns.

Cryptocurrencies like Bitcoin and Ethereum have clocked stupendous gains in 2017.

The dream run is set to continue in 2018 as well.

For both Ethereum and Bitcoin, the target price indicates a large room for upmove.

But this is an investment avenue that you must tread with caution.

While Bitcoin and Ethereum offer great returns, there are some scams in the making too.

Investors must be careful about the counters that they invest into.

Moreover, they have to be careful about the kind of wallet that they choose to store their returns.

There are many instances of online theft and hacking of cryptocurrency wallets.

So investors have to undertake thorough research before committing their money in this space.

However, if they are confident, this sector is well on track to generate very high returns.

In fact, Ethereum is seen touching the psychologically important level of $2000 by end of 2018.

That means investors can easily look at earning a steady profit

So, this too features prominently in the list of investments with high returns.

The consistency and the extent of returns are what attracts investors to this kind of Investment Avenue.

Conclusion

Therefore, we can conclude that there are many different types of investments with high returns.

The exact instrument will depend on an individual’s return expectations.

There are some that guarantee high returns but significant amount of risk too.

But there are many others where the risk does not justify the return prospects.

The trick is to make informed choices depending on the extent of profit they wish to make.

Let us understand a basic concept that there is nothing like a free lunch.

All investments with high returns also carries a certain degree of risk.

So you have to calculate the amount of risk you are comfortable with.

That will help you decide on the most profitable investments with high returns.

The Book on Rental Property Investing Review

The Book on Rental Property Investing is one of the most detailed books on real estate investment.

It gives you a 360 degree perspective on the whole art of earning returns from rentals.

Real estate as a sector is a fairly complicated space.

You have different types of real estate investment.

It can be a residential investment or commercial property.

But one of the biggest return potentials is in rental properties.

The Book on Rental Property Investing ReviewThat is why The Book on Rental Property Investing review highlights the advantage it provides.

Brandon Turner is a celebrated investor in the real estate space.

This is why the advice that he offers to readers is both practical and realistic.

It does not delve into complicated concepts.

On the contrary, the idea is to create an awareness about the wide range of rental investment concepts.

It touches upon a range of alternatives and opportunities.

So when you are exploring rental investment options, you will not have to go beyond this book.

Turner has seamlessly woven his years of experience with some non-conventional ideas.

In many ways, that also gives a lot more credence and believability to the final product.

Most importantly, this is one of this books that has stood the test of times.

In many ways, this becomes the bible for many who are confused with how to deal with their property.

When you are looking to generate returns through rentals, it incorporates many factors.

Most importantly the taxation element is one of the biggest factors to pay attention to.

In that context, The Book on Rental property investing becomes a comprehensive guide.

The beauty is that this book serves the interest of beginners as well as veterans in the market.

It also addresses the unique requirements of different markets globally.

Knowing the Author

Brandon TurnerThe Book on Rental Property is as much about the author as it is about the dynamics of real estate investment.

The author, Brandon Turner is a celebrated writer in the real estate space.

He is known for his practical sense and unique narration style.

Needless to mention that is what often makes his work unique and attractive.

An active investor, Turner focuses on rental investments as well as the flipping house.

He is also the co-host of one of the top rated podcasts in the world, The BiggerPockets.

The BiggerPockets is undeniably one of most talked about business podcasts globally.

But writing is undeniably one of Turner’s most important areas of expertise.

Apart from The Book on Rental Property, he has authored quite a few other bestsellers too.

In fact, he has the rare distinction of being one of the select authors with 3 best sellers simultaneously.

Apart from that Turner also contributes regularly for Forbes and Entrepreneur.

Needless to mention that he is an authoritative voice on the realities of rental real estate investment.

He has more than a decade of experience in buying properties and managing rentals.

This gives his advice a distinctive futuristic flavor.

It helps in creating solutions that address their profitability and stable returns prospects.

On the whole, rentals need a more value-based price analysis.

Moreover, the positioning of the property also matters.

The maintenance cost of the house also needs to be accounted for.

So determining the rent, approaching new clients and the legal formalities are all crucial elements.

You have to take into consideration every factor in isolation as well as in totality.

The Book on Rental Property strives to achieve exactly this end for its readers.

Turner leaves no stone unturned in trying to provide a comprehensive know-how.

The Layout & Concept

The Book on Rental Property review is incomplete without a proper analysis of the concept.

This book has close to 350 pages and was first published in 2015.

On the face of it, the catchy titles, content, and composition attract readers instantly.

It is an extremely informative and educative book on real estate investment.

The quality of advice is also very specific and refers to overall individual concerns.

The style of narration also plays an important role in it.

It is very simple to understand, and the author uses some practical examples.

As a result of that, the acceptance is much better on an overall concept.

The language too is essentially basic English and does not deal with any difficult concepts.

So, whether you are a beginner or a seasoned investor, you can associate with the concepts quite easily.

The fluidity of narration also makes it an extremely easy read.

It does not come across as a mammoth piece of theories woven together.

An average reader can easily get to the core of the concepts.

They don’t have to put in additional effort in trying to understand what the author means.

Whatever ideas the author is putting across is absolutely crystal clear.

This seamlessly addresses all potential trouble spots for readers.

Often the potential of rental investments is not explored adequately because of this issue.

The associated problems of rental investment are not spelled out that easily.

You cannot easily identify the challenges of rented properties globally.

However, the narrative style of this non-fiction composition is so accurate and pointed; it helps to make a sustained impact.

Most importantly it is without the absolutely preachy kind of tone.

It almost comes across as a friendly perspective from a helpful neighbor.

That makes it a sure winner.

The Love For Rental Properties

The initial chapters of The Book on Rental Property outlines the rationale of rental investment.

It goes on to explain readers the beauty of this investment instrument.

It easily underlines the primary wealth generators in this genre.

As an investor, it provides a clear perspective on the potential value plays in this segment.

That, in many ways, is one of the most crucial bits of information.

It helps them gauge how much money they need to allocate for rental investment.

Just like commercial or residential properties, rental investments too need adequate research.

While the returns in some places can be huge, it may not be so attractive in other places.

The location and the demand dynamics play a crucial role in rental investment.

If it is close to an industrial area, there will be more demand for residential properties.

People who are just joining a factory may not be in a position to buy a new property.

However, the cash they are earning can help them afford a rental property.

So if you have invested in a rental property here, your resultant returns will be reasonably higher.

So as a result, the book uses such easy to comprehend examples to make the point.

The Book on Rental Property highlights the challenges involved in the rental investment.

It clearly encapsulates the key elements that the investors have to keep in mind.

Often in the race to make quick returns, investors lose track of the challenges involved.

However, this book keeps readers grounded on those counts.

There is no unnecessary euphoria associated with the investment calls.

These are practical, to the point advice that can keep investors focused.

So whether you are a new investor or a seasoned player, it helps you to get an edge.

Identify Your Key Triggers For Success

The lucid style of narration is undeniably one of the strongest points of this book.

The Book On Rental Property Investing Review is incomplete without of these triggers.

They create a succinct consciousness about the prospects of this type of investment.

The right thought is the most important step towards gaining consistent returns.

The right thought is not just about identifying proper opportunities.

It is also about analyzing the right source of returns.

This involves thorough research and detailed analysis.

The source of the rental investment also plays an important role.

Moreover, the associated paperwork too has a role in the overall investment plan.

This is where the plan associated with your real estate investment strategy finds a mention.

The author highlights the importance of picking a proper investment plan.

His personal experience as an investor also helps in creating a reasonable return strategy.

This is what will help investors acquire appropriate assets at proper prices.

That indirectly creates an avenue for quality investment at reasonable rates.

The investment rationale does not change in case of rental properties.

The Book on Rental Property Investing beautifully brings to light this crucial factor.

That creates a conducive foundation for long-standing assets with a superlative return strategy.

Like they say, a right beginning is often the best way to create a sustainable investment strategy.

The Book on Rental Property Investing review underlines this cardinal concept.

It tells investors the route to create consistent returns through the rental route.

That, in many ways, helps investors to diversify their investments in a sustained manner.

Often real estate investment is all about creating a strong foundation.

This book helps investors grasp this perspective is a simple and easy to understand format.

Needless to mention it adds to the charm of the book.

The Unique Element In The Book On Rental Property Investing

When you read investor testimonials, you will notice that Brandon Turner creates a unique brand of investment techniques.

It does not comprise of a keen sense of profit and right assessment of returns.

Turner also propagates the idea of a calculated generosity.

He mixes light humor in his narration.

That undeniably creates a composite style of narration.

Terms like ‘wantapreneuer’ for those who keep reading books but never invest interests readers.

It makes them keenly aware of how thoroughly the author has studied various groups of investors.

Moreover, it also lends a unique versatility to the narration.

All types of investors can refer to this book to get meaningful inputs on their investment strategy.

He also intersperses his narration with some credible practical tips.

Easy options like not charging the complete market rent or looking for better insurance tips help investors optimize their returns to a large extent.

Just like stocks, these real estate investments also need a higher logical quotient.

Being emotional will not help you clock sustainable returns from an investment.

Obviously, you will like a few more than the rest.

There are some properties you can easily walk away from while you are attached to few.

But the problem is you cannot invest on the basis of that.

Turner offers some easy solution to get around these primary hitches.

It will help you address these fundamental problems with relative ease.

Needless to mention that it can create a definitive return strategy for average investors.

This can also enhance the overall scope of profit from the investment in totality.

In many ways, these elements also go a long way in creating a loyal set of investors.

That, in fact, adds to the overall charm and appeal of the book.

How To Manage Property Managers

The Book on Rental Property Investing is not just a ready handbook on rental investment.

It also helps investors understand how to deal with their property managers.

The property managers are like brokers in stock markets.

Going ahead with your investment scheme without them is difficult.

But at the same time, dealing with them can be rather tricky at times.

What is particularly worrying is that you can sometimes end up paying them huge fees.

There are many associated service charges that you must pay.

This is exactly why any The Book On Rental Property Investing review heroes this factor prominently.

Brandon gives his readers some practical tips on how exactly they should deal with the problem.

The beauty of the concept is not just in knowing where to invest or how to invest.

It is also about being confident about the platform you need to use.

That goes a long way in sealing your profits to a significant extent.

It, therefore, boosts your return prospect to a large extent as well.

As a result, you can look at optimizing the overall value that you can derive from the investment.

The deposit and the rent components in the monthly reports are very important.

Most times, they are not spelled out, and property owners remain unaware of the benefits or disadvantages of the same.

There are many elements like property taxes, bills for maintenance are other aspects.

As a property owner, you have to be careful about these small elements.

They can impact the overall tax liabilities in a relatively significant manner.

So as a result, the choice of a competent property manager plays a very important role.

Turner gives you many helpful tips in this context to get around the problem in a constructive manner.

Constructive Target Best Strategies

The Book on rental property investing review is incomplete without a mention of the way it can wrap up.

It wraps up with a set of definitive target based objectives for the investor.

It gives specific example based options for investors to capitalize on.

This is also the part where he highlights the importance of a right real estate team.

He mentions that an appropriate real estate team can help you strengthen your return objective to a large extent.

This list comprises of people like the Lender, Real Estate Agent, Contractors and spouse.

Essentially they are the key members of your core group.

In the absence of these individuals, your profitability may be hampered.

They often become your ear and eyes and help you address every aspect of your investment competently.

As a result, Turner highlights the importance of deciding on a strong team for the same.

He also brings to focus the benefits and demerits of self-management and professional property management.

The legal and tax part of the overall investment strategy also comes to focus.

Moreover, it also gives you a broad perspective on ways to decide on a property.

The final thought segment also takes into account the difference in perspective.

Different types of investors have varied investment goals.

That often plays a crucial role in deciding how the investment pans out.

Therefore, it also brings to focus how every factor is interlinked.

Only when they operate in tandem, you can get a meaningful strategy for a longer term.

Conclusion

The Book on Rental Property Investing is, therefore, one of the best options to refer to for sustained gains from rental properties.

The overall level of awareness about various rental properties is pretty limited.

Therefore, this book plays a meaningful role in helping investors develop a profitable investment model.

So if you are a serious real estate investor, do get your copy of The Book on Rental Property Investing.

In case you feel it is a time taking process, refer to this The Book on Rental Property Investing review for detailed understanding.

Best Books on Real Estate Investing

If you are considering investing in real estate, I am sure you are also looking at the best books on real estate investing.

This is because not all of us are real estate experts.

We all need a certain degree of handholding about how to go about investing.

But at the same time, real estate is a tricky investment proposition.

If you are not aware of the appropriate investment destinations, you can end up with deep losses.

This is exactly why the best books on real estate can come handy.

Best Books on Real Estate InvestingThey do not just offer great insight into the nitty-gritty of the trade but also its various dynamics.

But the question is where to look for the best books to refer to in this genre?

A quick search on the internet reveals a long list of names you can refer to.

Every book on real estate investing will surely have something to offer.

But most times, we are looking for comprehensive versions that can give us all round understanding.

This is how you can appropriately grade the most effective books on real estate.

This is a complicated task with details about every type of real estate properties.

The investment dynamics of each type is different too.

We made the task relatively simpler by collating the best books on real estate investing.

These cover a comprehensive type and variation of write-ups and help investors develop a rounded perspective.

Most important these are some of the most popular books on real estate investing.

As a result, readers get a natural edge while they are investing in the real estate market.

They start appreciating a wide range of opportunities.

At the same time, they are also able to get a definitive advantage looking for returns on investment.

What Are the Best Books on Real Estate Investing?

Here is the list of the best books on real estate investing:

  1. Building Wealth One House at a Time
  2. The Art of the Deal by President Donald Trump
  3. Long-Distance Real Estate Investing
  4. The Book on Investing in Real Estate with No (And Low) Money Down
  5. What Every Real Estate Investor Needs to Know About Cash Flow
  6. The ABC’s of Real Estate Investing
  7. Real Estate Loopholes

1. Building Wealth One House at a Time

Building Wealth One House at a TimeThis is undeniably one of the most talked about books on real estate investment.

Written by John Schaub, this book can be pretty much considered a bible for investing in this sector.

John Schaub is a very well-known real estate investor.

In many circles, he is also known as the Warren Buffett of the real estate world.

Needless to mention that his book is a pretty comprehensive guide on the different variants in real estate.

Some of the key topics in this book include

Primary strategies and principles of investing in real estate.

Ways to finance real estate investment

The basics of a real estate deal

Ways to negotiate deals and looking for right options.

Buying real estate contracts

Legal formalities associated with real estate investment.

What is particularly striking about this book on real estate is the approach.

The advice and the approach are both deeply grounded and extremely practical.

When people keep referring to the book for generations, it surely lends a unique credibility.

Moreover, the fact that it is working for him as real estate owner, lender and house flipper is an important factor.

One of the biggest problems with these investing books is the quality of content.

But that is exactly where this book comes across as a definitive winner.

This book concentrates on highlighting the basic tenets of investing in real estate.

This is exactly where this turns out to be one of the best books.

It empowers investors in achieving degrees of financial independence.

It can be through investing in residential properties, renting real estate or even financing.

This book is a comprehensive guide on various elements of real estate investment.

His views especially on buying a house at a time and then generating profit is particularly useful.

2. The Art of the Deal by President Donald Trump

The Art of the Deal by President Donald TrumpI am sure the mention of the name Donald Trump will get you interested.

But there is more to this book than the US President’s name.

It is written by Allison Bethell, a celebrated real estate investing writer.

The basic outline of the book details out the success of Donald Trump as a real estate bigwig.

Well, you may question Trump’s policies as a President, but you cannot deny that he is a renowned real estate magnate.

His acumen for real estate investment is quite well known.

The primary point of the book is to bring to light how real estate deals.

What is particularly striking about the book is, it uses real-life examples.

That makes the narration a lot more candid and easy to grasp.

Moreover, when complicated real estate investment principles are explained through real examples, the impact is much bigger.

It makes the examples far more realistic and easy to grasp.

Needless to mention, it makes the concepts also relatively clearer.

Most importantly the mention of a successful real estate investor like Trump makes the whole idea a lot more believable.

As a result, the book is accepted more whole-heartedly by readers.

It was published in 1987 for the first time.

Though the economy has gone through significant change globally, the basic tenets remain same.

In many ways, this book highlights all those elements.

That is why this is so popular and considered amongst the best books.

More than anything, it is an extremely captivating and equally easy to read book.

Once you start reading, it will keep you interested till the last word.

It highlights the various elements of negotiating deals and how to identify potential targets.

This is one of those books you simply can’t ignore.

3. Long-Distance Real Estate Investing

Long-Distance Real Estate InvestingA friend of mine was recently considering buying a villa in Tuscany compared to a small flat in Mumbai.

His contention was real estate returns will be much higher, and he will get better value for money.

That got me thinking, and this is where I hit upon this book by David Greene.

Investing in real estate does not have to be only limited to your locality.

It can be just about anywhere in the world, where you can potentially invest.

David Greene explains to readers how they can successfully work and develop a steady business anywhere.

His focus is primarily on investing in relationships that help foster better ties and create a constructive team.

He also empowers his readers about deciding on potential targets and basics of buying real estate.

This is extremely important because real estate rules differ from one location to another.

The practical element in David Greene’s book is what makes it extremely gripping.

It is full of quick tips and many simple solutions to enhance your investment experience.

The most important focal point in the book is how to identify properties in other countries or states.

Do not underestimate the knack of identifying deals.

Often this becomes the biggest game changer in any real estate deal.

You have to adapt the local lingo and speak with the agents in their terms.

Greene helps you master this technique and also the ways scrutinize a neighborhood with ease.

This is a very important element of long distance investment.

It is extremely crucial to know whether a property is worth investing.

More so when you stay far away, and you can be misled quite easily.

It, therefore, helps as a ready guide to navigate through the different aspects of long-distance investment.

4. The Book on Investing in Real Estate with No (And Low) Money Down

The Book on Investing in Real Estate with No (And Low) Money DownNow with a title like this, it is definitely a deal clincher.

It is not just one of the best books on real estate investing but also a pocketbook on basics.

Written by Brandon Turner, this book talks about financial real estate deals.

It also touches on deal analysis elements as well as the legal contracts of a deal.

But ways to finance a real estate acquisition is the most important aspect.

We often go ahead with the premise that you need a lot of money for real estate investment.

Without a certain level of ready capital, you cannot contemplate investing in real estate.

But this book and Brandon Turner come with a brand new perspective.

He details a list of less popular tools that you can use for financing your real estate buys.

What really helps is he is not just giving you some theoretical ideas.

He has used every instrument that he talks about.

This is what makes these tools a lot more acceptable.

His personal experience acts as a credential for the tools he is suggesting.

He has used most of the ones he suggests for investing in real estate.

The focus is completely on how to make money without using traditional resources.

The concepts are well examined and come with a definitive track record of proven gains.

Looking for ‘creative financing techniques’ is the focus of the book.

That is what enables this book to stand apart from many others on the list.

Most importantly, this book manages to create a conclusive strategy that is not finance-heavy.

The easy language and the personal experiences add a degree of acceptance to the book.

It gives readers the confidence to try out some non-conventional methods.

5. What Every Real Estate Investor Needs to Know About Cash Flow

What Every Real Estate Investor Needs to Know About Cash FlowIf you are dealing with real estate investments for sufficiently long, you know cash flow is important.

That is exactly the hero of one of the best books on real estate investing by Frank Gallinelli.

It helps readers with a detailed understanding of some of the basic principles of real estate investment.

In many ways, their window of opportunity in terms understanding how to go ahead with investing in this sector.

Real estate success is closely linked to your comfort with numbers.

This is exactly why this is considered one of the best books.

It champions the cause of numbers in succinct and systematic fashion.

The balance that the book achieves between the big picture and smaller details is phenomenal.

That is what makes it so popular amongst its readers.

It is also that crucial element which helps them in developing a strong understanding of the principles of investment.

That often becomes the focal point of this book and also attracts readers.

Broadly 3 or 4 ideas feature prominently in this book.

  • Buying real estate is not just about negotiating a deal; you may have to literally turn into a detective to take full advantage of available offers.
  • Your financial decisions should be guided by logic, don’t let your emotions cloud them.
  • There is no fixed formula to calculate returns; it may change with the change in perspective.
  • Highlights some ready formulas that every serious real estate investor must keep ready.

The most important quality of the book lies in the level of details and thoroughness of concepts.

That makes the overall perspective relatively far-fetching and lot more impactful.

Whether you are making offers or closing deals, you can always use the ready nuggets of wisdom from this book.

6. The ABC’s of Real Estate Investing

The ABC’s of Real Estate InvestingThe name of the book is self-explanatory in itself.

This masterpiece by Ken McElroy is inspirational, practical and revolutionary all at once.

As the author mentions, this book did not just save his job but his marriage too.

McElroy details out the developments when the depression set in.

He had started investing in real estate after he bought his Condo.

He turned it into a rental property and was amassing a steady amount.

But all of a sudden he had to move out of the country.

It was around the time when global markets were under the throes of a depression.

He started losing thousands of dollars on that investment.

The question is how could he stop this and stop ruining his life.

He uses very simple examples to narrate his experience and concepts about investing in real estate.

The personal experience that he has amassed adds to the charm of the book.

It makes the narrative a lot more succinct.

It also enhances the quality of instructions that the author gives his readers.

Whether you are a big player or a small one, you can easily benefit from the book.

It creates sustainable real-life perspectives for interested readers to follow

As the name implies, it covers most aspects of real estate investment in a thorough fashion.

It strengthens the core understanding to empower investors to buy over the longer term.

Therefore, it becomes the cornerstone of their real estate strategies.

These strategies are quite different from the ones used for stocks or forex market.

This is where this book scores above many others which deal with the same topic.

In fact, it is one of the best books if you are looking for continuous gains and steady profit from investing in real estate.

7. Real Estate Loopholes

Real Estate LoopholesReal estate investments can be very profitable provided you can navigate effectively.

There are innumerable loopholes that you can take advantage of.

There are many tax strategies that beginners fail to spot.

All of these result in significant losses for investors.

But this book on real estate investing by Dianne Kennedy, Robert T. Kiyosaki & Garrett Sutton seeks to address exactly this fact.

In fact, this is an important read for most serious investors in real estate.

One of the best books, it helps outline the consequences of ever-expanding real estate portfolios.

It helps investors understand how they can tackle the tax implications.

Also, it gives them some ready tax strategies to enhance their investment returns.

It highlights the need to induct a real estate tax professional in your team.

Real estate laws can be quite dynamic.

What is particularly important to remember is that they change from state to state.

With a real estate professional ready to help, you can easily get an edge in terms of legal formalities.

The book uses very simple language and easy comprehension to bring the spotlight on tax irregularities.

That often becomes a very tender area and needs special care.

One of the best books on real estate investing, this offers exactly this advantage to readers.

Conclusion

If you are just starting to invest in real estate, these books will help you get a realistic grasp of the situation.

Most of these books concentrate on creating practical modules to work with.

As a result, both veterans and beginners can get sustained benefit from these books on real estate investing.

Though there are thousands of such books, the above list contains some of the best books on real estate investing.

They have stood the challenge of time and situation and emerged as sustained winners in the list of the best books on real estate.

A Beginner’s Guide to Investing Review

A Beginner’s Guide to Investing is perhaps in the list of the top 5 important books on investing.

The charm of investment and the lure of quick money is an obvious deal clincher.

But the problem is that the chances of slipping are quite huge.

A Beginner's Guide to Investing ReviewThe investment ballgame is never as simple as it comes across.

Often it is a complicated combination of strategy, risk appetite and quality of investment.

Most times for beginners, this is the most important step.

The first few months of their investment career holds the key to future success.

Depending on the kind of success that they experience, they can chart out a conclusive plan for future.

But the question is how they can guarantee complete success?

Perhaps this is where you can benefit greatly from the quality literature on the topic.

This is also the key why you have so many books on investment principles.

They continuously encourage investors and also present numerous strategy to play the market.

In fact, these books have contributed significantly towards the growth of budding investors.

However, most books assume that the investors already have a certain degree of understanding.

This is exactly where A Beginner’s Guide to Investing can make a crucial difference.

Whether you are an absolute novice or confused, this book can help you gain a crucial edge.

It will help you deepen your understanding of the markets and simultaneously gain confidence.

In fact, the role of Ivy Bytes, a Champion of start-up and Alex Frey, a Harvard professor and investor is commendable.

They are dedicated toward making the investment a household norm.

For this, they have also been churning out content that is simple to comprehend.

This is exactly what A Beginner’s Guide to Investing review highlights.

Knowing The Authors Of A Beginner’s Guide to Investing

A Beginner’s Guide to Investing review is incomplete without an introduction to the authors.

Perhaps they are not as famous as Ben Graham or Warren Buffett.

But their understanding and expertise lend a distinct flavor to the book.

From the way these topics are treated to the approach they have towards the core, matter is all connected.

Ivy Bytes is a champion of innovative start-up initiatives.

Needless to mention that Ivy is also an authoritative voice on the overall investment climate.

Creating convenient and accessible content to understand complicated subjects is an area of expertise.

The write-ups range from politics, current affairs, finance and economics.

The depth of research and the range of issues is the biggest advantage.

They invariably help create a lasting impact on the overall reader experience.

The complete lack of any type of self-promotion is undeniably one of the biggest positives.

It gradually leads you to the complicacies of the market and explains the best way to navigate.

For the readers too, this ensures a smooth journey ahead.

Alex Frey has been popular as an investor from a young age.

He has been in the business from the tender age of 16.

He has also worked as a research analyst in major mutual funds.

This along with his educational qualifications as Chartered Accountant and MBA adds to the perspective he offers.

The fact that he enjoys investing and working on it adds to the overall readability of the book.

Both the authors are committed to the cause of investment.

This is a particularly unique feature of this book.

It lends a sense of convenience and readability to the book.

That also improves the overall acceptability of the book across a wide range of readers.

Root Of Investing Failures

A Beginner’s Guide to Investing tackles one of the most fundamental investment problems.

Why do most investors end up with such poor return on their investment?

How can beginners avoid these common pitfalls?

The biggest factor is what most of us want from markets.

The concern is to extract as much value for the money you invest in as possible.

Not just beginners, all of us want the same.

But the concern is even more for investors who are beginners in the field.

The market has the potential to overwhelm a novice even more than veterans.

Often the biggest factor for failure is that investors lose patience.

Often everyone is looking for instant gains from the market.

But for beginners, it is almost like quicksand.

They look at the markets only superficially.

The result is that they lose sight of the inefficiencies and inbuilt problems.

So when they try adapting a strategy, they completely lose sight of the potential pitfalls.

As a result, they fall down with a thud and end up with deep losses.

The only way to overcome this problem is to take a comprehensive view of the markets.

That, in many ways, is the primary motive of A Beginner’s Guide to Investing.

This tries to address some of the common fallacies of modern investors.

The idea is to not just load them with information, but also make it relevant.

An information overload may often go against the grain of investment basics.

They can sometimes overwhelm the investor to the extent where they end up making huge losses.

But with A Beginner’s Guide to Investing, you can easily address these problems with ease.

It can often be considered as a guide that simplifies investment concepts in the market.

They help resolve investment myth too.

How To Minimize Risk & Maximize Profit

A Beginner’s Guide to Investing review is primarily about the problems it helps in resolving.

Though there are many types of books that can load you with many perspectives, there is a basic problem.

Most beginners find the concepts just too difficult to stomach.

However, this book makes investment an accessible concept.

It guides investors closely on the various elements of investment.

In many ways, this is also the key trigger for the all-round popularity of this book.

Perhaps the concepts that they are selling is nothing new.

What is truly unique is how effectively they are able to convey the fact.

Most investors can associate with the book rather simply.

Now everyone will tell you that risk is an inseparable part of steady market returns.

But the truth is that most average investors do not have that degree of risk appetite.

As a result, they end up with moderate gains and high transaction costs.

But with A Beginner’s Guide to Investing, this problem is easily resolved.

They are able to guide investors about the tricks to select low-risk options.

The marketplace is full of low-risk high return alternatives.

But it inevitably needs some thorough research.

With A Beginner’s Guide to Investing, you can easily get around to difficult concepts.

You can learn the easy method to identify high return alternatives.

At the same time, it also trains investors about how to limit their losses.

That is what helps investors to completely take advantage of the investment instruments.

In many ways that makes the advice that the authors are offering a lot more practical.

It creates an accessible front for quality advice given on a budget.

After all, you can refer to this book whenever you are stuck.

Quality Time Important For Investment Success

This is another overriding theme in A Beginner’s Guide to Investing.

The premise works to delineate the popular theme that you need to invest time for proper gains.

It champions the cause of spending quality time in the markets.

That alone can make a significant difference over the longer run.

It shows how you may be spending at little as 3-5 hours a year.

But if you can make this time matter, you can end up with bigger or better gains.

You may still go ahead and earn better returns than 80% of investors.

The trick is about identifying the most fruitful opportunities that may be available.

Ivy Bytes & Alex Frey have constantly tried to break popular notions in the market.

The fundamental theme is breaking popular conventions and creating a sustainable solution.

That is where the concept of quality time comes to play.

The entire focus revolves around how to invest fruitful time in the market.

Instead of spending time in trying to beat the market, the need is to look into choosing quality products.

That will ensure that you will not be unnecessarily trying to explore too many options.

But at the same time, you do not have to be content with moderate returns.

The extent of returns is never a direct function of the time you have invested.

It is about how effectively you have invested the time in selected options.

The extent of your returns is directly proportional to the kind of options you select.

The idea is to look for offers that give you maximum returns, but at the same time, your risk profile remains limited.

That is where the effective time you invest in markets make a difference.

It helps you select the most profitable opportunities at reasonable cost.

Managing Risk In Your Portfolio

Risk is one of the most relevant buzzwords in your investment portfolio.

However smart you may be in selecting profitable options, the question is how does it sync with your risk profile.

If the strategy does not match your risk profile properly, it can lead to serious trouble.

This is why A Beginner’s Guide to Investing is such a big hit amongst readers.

The authors here have taken a candid approach towards risk.

Through that, they have tried to help them manage the concept in a coherent fashion.

The whole idea of risk management crops up from the inherent fallacies in the choices.

The risk is more pronounced in our overall approach than the overall instruments that we may choose.

This is why it is extremely important to create a meaningful risk management concept.

That alone can help you prevent sudden erosion of value from your portfolio.

Therefore effective risk management is never about avoiding risk.

More than that it is about dealing with it in a constructive manner for an extended period.

But this can be a major challenge for veterans too, leave aside beginners in the market.

Perhaps that is where you can benefit significantly from the markets.

It reduces the overall uncertainty in the market to a large extent.

A Beginner’s Guide to Investing helps you in achieving exactly that.

In a slow and steady fashion, it initiates investors towards analyzing their strategies.

That helps you to create returns and then enhance the overall position consistently.

That is how you can hope to create a track record of steady profits.

This will also help investors in getting over the fear associated with markets.

This, in many ways, is as much a risk that you need to handle as your portfolio.

Keeping Pace With The Demand Of Time

Investment today is not plain vanilla stock calls and then trading them.

Today you have a wide variety of investment instruments.

Starting from ETFs to derivatives to mutual funds, the range of opportunities are huge.

But they are opportunities only if you can benefit from them.

The question is not all of us are equipped enough to gain from the market equally.

Well for those, who do not feel that confident, A Beginner’s Guide to Investing will help address the concerns.

They offer advice and investment ideas about a variety of investment instruments.

This surely expands the individual’s horizon of investment quite significantly.

In many ways, that can also improve the scope of profitability quite significantly.

Investment techniques, parameters and expectations keep changing with time.

The economic condition also has a bearing on it.

But this A Beginner’s Guide to Investing review will make it amply clear that it is not a hindrance to effective investment.

Investors with proper guidance can still hope to garner reasonable profit.

But the guidance is crucial in this concept.

This is where it becomes so important to have a meaningful working model.

A Beginner’s Guide to Investing provides exactly this to investors.

Whatever type of investment, you may be keen on, it helps you develop an idea.

This also helps in limiting an investor’s horizon.

In fact, they get the option to look at a wide range of issues and then draw meaningful returns from them.

That often becomes the cornerstone of profitable investment strategy.

Investments have to remain synced with the need of the hour.

That alone will help investors consistently book profit.

In this regard, the choice of the instrument is also crucial.

A Beginner’s Guide to Investing has all these elements covered in their content.

Retirement & Tax Planning

Not all of us are born investors.

Neither are all sitting on a huge pot of money ready for us to invest in.

An average investor is often a salaried professional.

Their savings plan is never just about stock market investments.

They have to pay equal attention to their retirement funds and average tax planning strategies.

If you do not plan your taxes effectively, there is every chance of losing a huge amount in taxes.

This is exactly why A Beginner’s Guide to Investing seeks to address.

They tackle fundamental questions like, ‘how much money I need to retire comfortably.’

Even complicated issues like ‘How does a well-diversified portfolio look’ are handled quite efficiently.

In many ways, they help establish a more far-reaching audience base.

Stock market investment is generally only a part of the overall plan.

Most times, investors are keener about how to handle their retirement accounts effectively.

Retirement and tax planning are undeniably the biggest lookouts in case of any long-term strategy.

That somehow is addressed beautifully in A Beginner’s Guide to Investing.

So the book does not limit the bandwidth of options for investors in any way.

They are able to maintain a steady focus on the broad investment theme.

It beautifully touches on most modern investment themes and how you can lock long-term gains.

Conclusion

Therefore, we can conclude that A Beginner’s Guide to Investing is a realistic treasure trove of investment information.

It offers investors a much better prospect to successfully navigate their investment career.

In many ways, the book’s lucid style, convenient layout and range of topics enhance the appeal.

Irrespective of the age group or the job profile of investors, this book offers some simple solutions for better success.

So if you are keen on optimizing your investments, grab your copy of A Beginner’s Guide to Investing.

In case you are not able to, you can also read A Beginner’s Guide to Investing review here for better understanding.