Learn more about moneyandinvestments with this collection
How to use storytelling to influence and persuade
How to create a compelling narrative
How to structure your story for maximum impact
What is Investing?
Investing is a way to set aside money while you are busy with life and have that money work for you so that you can fully reap the rewards of your labor in the future. Investing is a means to a happier ending.
The goal of investing is to put your money to work in one or more types of investment vehicles in the hopes of growing your money over time.
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What Kind of Investor Are You?
When opening a brokerage account, an online broker will ask you about your investment goals and how much risk you're willing to take on.
Some investors want to take an active hand in managing their money's growth, and some prefer to "set it and forget it." More "traditional" online brokers...
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1.27K reads
Type of Brokers
Brokers are either full-service or discount.
Full-service brokers, as the name implies, give the full range of traditional brokerage services, including financial advice for retirement, healthcare, and everything related to money. They usually only deal with higher-net-worth clients, and th...
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968 reads
Do your homework
It is possible to invest if you are just starting out with a small amount of money. It's more complicated than just selecting the right investment (a feat that is difficult enough in itself) and you have to be aware of the restrictions that you face as a new investor.
You'll have to do your...
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634 reads
Minimums to Open an Account
Many financial institutions have minimum deposit requirements. In other words, they won't accept your account application unless you deposit a certain amount of money. Some firms won't even allow you to open an account with a sum as small as $1,000.
Some firms do not require minimum deposit...
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Commission and Fees- There's no free lunch.
In most cases, your broker will charge a commission every time that you trade stock, either through buying or selling. Trading fees range from the low end of $2 per trade but can be as high as $10 for some discount brokers. Some brokers charge no trade commissions at all, but they make up for it ...
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Investing Through Your Employer
If you’re on a tight budget, try to invest just 1% of your salary into the retirement plan available to you at work. The truth is, you probably won't even miss a contribution that small.
Work-based retirement plans deduct your contributions from your paycheck before taxes are calculated, wh...
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845 reads
Mutual Fund Loads Fees
There are many fees an investor will incur when investing in mutual funds. One of the most important fees to consider is the management expense ratio (MER), which is charged by the management team each year, based on the number of assets in the fund. The MER ranges from 0.05% to 0.7% annually and...
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Dollar Cost Averaging
In terms of the beginning investor, the mutual fund fees are actually an advantage relative to the commissions on stocks. The reason for this is that the fees are the same, regardless of the amount you invest. Therefore, as long as you meet the minimum requirement to open an account, you can inve...
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Diversify and Reduce Risks
Diversification is considered to be the only free lunch in investing. In a nutshell, by investing in a range of assets, you reduce the risk of one investment's performance severely hurting the return of your overall investment. You could think of it as financial jargon for "don't put all of your ...
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642 reads
Robo-advisors
If you want an algorithm to make investment decisions for you, including tax-loss harvesting and rebalancing, a robo-advisor may be for you. And as the success of index investing has shown, if your goal is long-term wealth building,...
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Generalist. Great minds discuss ideas, average minds discuss events, small minds discuss people.
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Investing is habit
Is a myth you can only invest if you have lots of money. Investing is not a goal, activity, or task, it’s a habit. It’s something you do regularly, just like you work out, meditate, read or anything else that takes time to yield results.
ex: If you invest $500/mo in the...
Passive Investing
- To ensure the highest margin of safety, choose an investment that gives consistent returns.
- The most conservative investor will avoid short-term market volatility by investing in assets over the
Try investing
If you can't save a good chunk of your paycheck every month, investing once now can help you start saving in the long run.
A favorite investing platform is Betterment, where your money will be automatically invested in index funds. Betterment's fee is a straightforward 0.25 percent of your...
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