Archive for 'Investment'

A lot of us start out investing in different Mutual Funds for retirement because we feel that we need to be more aggressive in building up our portfolio.  Now that retirement is just around the corner or maybe it’s already arrived, it may be time to move that portfolio into something more stable.  Here’s a couple ideas to do that .

In a previous article, I discussed various ways that investors can accumulate their nest egg. One strategy includes putting a portion in one or a few attractively valued dividend growth stocks every single month and reinvesting dividends selectively. The other strategy involved investing in index funds, using tax advantaged accounts such as 401(k) for example.

Traditional vehicles for saving such as index funds and target-date funds work well when you accumulate your nest egg, but could present a challenge if you try to live off them. Many retirees prefer to have a stable and growing source of income, which maintains purchasing power over time, and is not dependent on the manic-depressive swings in stock prices. Therefore, investing in dividend growth stocks is the ideal way to generate income from your nest egg in retirement, due to the stability of dividend income. Therefore, if someone were to accumulate their nest egg in other items such as index funds, but wanted to convert to dividend investing, there are two ways that they can achieve that.

The strategies outlined in this article also work for situations where you have a lump sum amount, and you are thinking of investing it.

The first strategy involves selling all funds in your portfolio, and using the proceeds immediately to create a diversified portfolio of quality dividend-paying stocks.

This strategy is quick and easy to achieve, as it involves just a few steps. If you want to make the conversion all at once and not have to worry about how to invest the amounts for months, this is likely the best deal for you. If you could find 20-30 quality dividend-paying companies, which are also attractively valued, and your money is spread in several sectors, you could be done with this exercise in one day. After that, the only thing to worry about would be to monitor the investments, decide what to do with dividend income, and enjoy life.

 

Read more on Dividend investing

The constantly changing market always presents opportunities to make a profit. The key is to always be prepared for the coming changes and get in early.

The S&P 500 Index (NYSEARCA:SPY) – often used as a measure of the overall market – is trading at the highest multiples it has seen in over a decade. At roughly 17 times forward earnings, value investors are having a more difficult time than ever looking for names in which to invest. With that in mind, I have laid out what sectors are “must-avoids” as they are the most expensive as well as a few sectors that look like they could be the beneficiary of a value-oriented comeback in the market.

As I laid out in significantly more detail in one of my latest articles, Value Is About To Make A Comeback In A Big Way, I anticipate that value stocks are about to outperform growth stocks over the next five years for the following reasons:

  • Value has lagged growth since mid-2010, with the gap widening especially over the past year.

  • Value has been shown to outperform over longer periods of time.

  • Fearful investors will flee expensive growth stocks in anticipation of a market correction.

  • Most importantly of all, however, growth will significantly underperform value in a rising-rate environment.

See more here

Gold Prices Dip Lower

Polski: Sztabka złota ważąca 12,5 kg. Własność...

Gold Prices(Photo credit: Wikipedia)

Global gold demand in Q3 2012 was 1,084.6 tonnes (t), down 11% from the record Q3 2011 figure of 1,223.5t.   This dip in demand is in comparison with exceptional demand in Q3 last year. Gold demand remains resilient. Q3 2012 was above the five year quarterly average of 984.7t, according to the World Gold Council’s Gold Demand Trends Report.

In value terms gold demand was 14.0% lower year on year at $57.6bn and the average gold price of $1,652/oz was down 3% on the record average Q3 2011 price.

The key findings from the report are as follows:

  • Global investment in ETFs over the quarter was up significantly by 56% on the previous year.
  • The Indian market is showing signs of recovery, up 9% to 223.1t from 204.8t in Q3 2011 following increases in both jewellery and investment demand. In comparison with Q3 2011 jewellery demand was up 7% to 136.1t and investment demand rose by 12% to 87.0t. Investors moved into the imitation coin market*, up 59%, whilst jewellery increased due to re-stocking ahead of the Indian wedding and festival season. Indians appear to have acclimatised to recent price trends and have been buying into a rising market.
  • In China  demand fell 8% to 176.8t in Q3 2012 from 191.2t in Q3 2011 due to falls in jewellery of 6% and investment of 12% mainly as a result of negative sentiment surrounding China’s slowing economy.  Jewellery demand was 123.8t in Q3 2012, due to a decline in purchases of 18k pieces and a notable slowdown in the expansion of the retail network, as stock-building reduced. Investment demand was down to 53.0t Demand this quarter remains 19% above the longer term average.
  • Central banks bought 97.6t in the quarter. In six out of the last seven quarters, central bank demand has been around 100t, which is a sharp increase from as recently as 2010. The year to date figure for central bank buying is up 9%.

 

Marcus Grubb, Managing Director, Investment at the World Gold Council said:

“Gold is beginning to re-establish itself as part of the fabric of the financial system. In the medium term, the quantitative easing initiatives in the West and the continuing growth story in the East, particularly in India and China, coupled with the seasonally strong quarter coming up in Asia, are excellent indicators for further growth in the gold market.

“Against a backdrop of continued global economic uncertainty and elections in China and the US, it is clear from five year rising demand trends that gold’s fundamental property as a vehicle for capital preservation continues to endure, as evidenced by this quarter’s increase in global ETF investment, up 56% and continued purchasing by central banks, the ultimate long term investors.”

Gold demand and supply statistics for Q3 2012:

  • Third quarter gold demand of 1,084.6t was down 11.0% in comparison to Q3 2011.
  • The value measure of gold demand was 14.0% lower year on year at $57.6bn.
  • The average gold price of $1,652/oz was down 3% on the record average Q3 2011 price.
  • Investment demand (the sum of ETFs and total bar and coin demand) was 429.9t, down 16% compared to the same quarter last year, but was 23% above the five year average.
  • Demand for ETFs and similar products in Q3 was up by 56.0% on the previous year to 136.0t.
  • Demand in the jewellery sector was down 2.0% to 448.8t compared to 458.0t in the same quarter in 2011. The ongoing slowdown in China continued to dampen demand in the second largest regional jewellery market
  • Third quarter demand for gold in the technology sector was down on Q3 2011 by 6.0% at 108.0t though remains stable. Use of gold in electronics has shown a steady level of incremental growth since Q4 2011, driven by demand for tablet devices and mobile phones among others.
  • Both the supply of gold and recycling were down 2% in the third quarter compared to year earlier levels, with mine production down 1% for Q3 2012.

 

The Q3 2012 Gold Demand Trends report, which includes comprehensive data provided by Thomson Reuters GFMS, can be viewed at: http://www.gold.org/media and on our new iPad app which can be downloaded from http://www.itunes.com and a video can be seen here.

Note to editors:

*Imitation coin market in India

In India an imitation coin is the term used to describe a round medallion bought for savings or gift purposes. These coins are generally rectangular, oval or round shapes and more than 50% are expected to be exchanged for jewellery over time. Demand tends to be seasonal, sold mainly during the marriage seasons and at festivals, especially at the time of Diwali.

World Gold Council

The World Gold Council is the market development organisation for the gold industry. Working within the investment, jewellery and technology sectors, as well as engaging in government affairs, our purpose is to provide industry leadership, whilst stimulating and sustaining demand for gold.

We develop gold-backed solutions, services and markets, based on true market insight. As a result, we create structural shifts in demand for gold across key market sectors.

We provide insights into the international gold markets, helping people to better understand the wealth preservation qualities of gold and its role in meeting the social and environmental needs of society.

Based in the UK, with operations in India, the Far East, Europe and the US, the World Gold Council is an association whose members include the world’s leading and most forward thinking gold mining companies.

CONTACT: For further information please contact: Melissa McVeigh, World Gold Council, T +44(0)207826-4754, Emelissa.mcveigh@gold.org; Giles Abbott, Capital MSL, T +44(0)20-7307-5340, E giles.abbott@capitalmsl.com

Some Simple Ideas to Make Stock Investing Profitable

Anti-bank feeling has resulted in the public looking to take more responsibility for investing their own money.

A new website has come up with a simple but novel way to help the regular Joe invest his own money and avoid the advisory services of financial institutions that are perceived to have let the public down.

Shared Sense is based on the theory of famed investor and mentor to the man on the street: Peter Lynch. The site takes his ideas of  “invest in what you know and that the best stock tip is in front of you in the mall” and goes a step further.  It allows people to share these observations on a worldwide basis and so helping people gather market research through group thinking.

It uses the wisdom of the crowd to get people’s views on what is selling or not.  Put simply, people can give an opinion on what brands are hot or not in their area. The information is gathered worldwide and the site gives back the total view on what people see as popular or not.

As increasing or decreasing sales is generally the most important investment criteria, members can use the information as part of their investment decisions.

The site editors take this information and add their experience to it. They analyze the other important factors including financials, margins and outlook and give full stock tips to members.

The site is not another stock price prediction site but focuses on identifying brand popularity to give regular investors an edge. The themes of the site are honesty and humor – the idea being to strip stock picking of all the overly fancy jargon and replace it with raw honesty. The top predictors are invited to join to the site as full authors.

Ned Goodwin, Shared Sense founder says: “Why can’t stock picking and investment be based on a co-operative system where people help each other by sharing information on buying trends? This is a practical way of occupying Wall Street — taking the power of investment decision back to the people. People helping themselves to get an investment edge.  As Peter Lynch said, if you’re buying the product it might be worthwhile buying the stock. We’re saying if you know we’re all buying the product it’s definitely worthwhile buying the stock.”

http://www.Sharedsense.com

CONTACT: Eddie Goodwin, +1-617-331-6999, Eddie@sharedsense.com

Web Site: http://www.sharedsense.com

Major Real Estate Investor Sets Sights on Texas

Major Real Estate Investor Sets Sights on Texas

Memphis Invest, GP has grown into the largest seller of private property, single family homes in West Tennessee and now has their sights on becoming a major player in the Dallas/Ft. Worth investment real estate market.

“We lived in the Dallas metro-plex for almost 30 years and still have major business and family ties to the area,” stated Kent Clothier when announcing the company’s decision to expand to a second market. Dallas was chosen due to the Clothier family’s familiarity with the area and the ability to quickly place the needed employees and partners into the market.

Memphis Invest has built a reputation as a national leader in providing passive real estate investors with the needed expertise and service to be comfortable investing in out-of-area markets. Having developed into the largest seller of single-family homes in West Tennessee, the Clothier family knew it was time to help their clients expand and diversify their portfolios.

“We have been looking at other markets for the last couple of years, but never really felt like the timing was right or the market was ready and now we know that Dallas is exactly where we need to expand,” said Brett Clothier, who along with Kent Clothier, Sr. will make the final call on all properties purchased. “We are sticking with a price point that provides ease of entry for both domestic and foreign buyers, but also provides a stable and consistent return to protect their investment.”

Memphis Invest plans to use their expertise and knowledge of the investment real estate market to help guide their existing leadership team as they develop the Dallas market and the new partnerships they have put in place. With one eye toward developing a second market and the other toward continuing to provide the outstanding service their clients have come to expect, the Clothiers are planning for a very good 2012 for them and their clients.

“We are not going into anything blind or quickly. We have been very deliberate in developing a plan for our clients. They have asked us many times to diversify into other markets and this is the first step in doing that for them,” stated Kent. “We have other plans we will announce soon and have plans to continue to grow beyond the 300 investment properties sold this year in Memphis. But we will always keep tight control over the quality of the investments and the customer service our clients receive. I think the real estate investors who trust us with their portfolios would expect nothing less.”

Memphis Invest, GP is the largest privately owned home seller in Memphis, Tennessee and provides real estate investors with a passive alternative to investing. For more information please visit the MemphisInvest.com website at http://www.memphisinvest.com or you can reach them at 1-877-773-9998.

CONTACT: Chris Clothier, +1-901-751-7191, chris@memphisinvest.com

Web Site: http://www.memphisinvest.com

Penny Stock Picker Consistent with Record Gains

Penny Stock Picker Consistent with Record Gains

Penny Stock Picker Consistent with Record Gains-Image via Wikipedia

Our track record for picking profitable stocks is beyond reproach, and our customers continually record large gains, even in tough markets. Our analysts follow everything from small to large-cap stocks on a minute-to-minute basis to ensure you are receiving the most current and useful information. We know most of our subscribers have neither the time nor the resources to conduct proper due diligence, which is the backbone of successful investing. Credibility is the name of this game, and the overwhelming majority of our new customers are referred to us by existing customers. Whether you are a seasoned or novice investor, blue or white collar worker, budding entrepreneur or power broker, we have an investment for you.

Find out why thousands will sign up today – www.Pennystockcrew.com

We look at stocks that are absent or mere blips on the major firms’ collective radars. We do this because we know small cap investments provide big gains, and only our alert subscribers are privy to this in-depth knowledge. A striking irony: many of our clients come to us from these same major firms! Our alerts are not arbitrary, we will not clog your inbox with useless information, and we will only send you alerts when a company is ready to explode. Our team’s only objective is to provide our valued subscribers the tools needed to strike while the iron is hot. Granted, it is impossible to be correct 100% of the time, but our approach is successful time and time again

Action to take, click here: www.PennyStockCrew.com

Disclosure: Penny Stock Crew is not a registered investment advisor and nothing contained in any materials should be construed as a recommendation to buy or sell securities. Investors should always conduct their own due diligence with any potential investment. Penny Stock Crew is a wholly owned entity of a financial public relations firm. Please read our report and visit our website, for complete risks and disclosures.

CONTACT: Wes Smith of Penny Stock Crew, +1-561-372-8342, wdesouza@jdventuregroup.com

Web Site: http://www.PennyStockCrew.com

Many people who remodel their houses use home improvement loans to cover the cost. There are a lot of options for financing a remodel, but none of those other options are as perfect as a loan that is designed for this very situation.

Don’t be fooled into thinking a home equity loan is the best option when it is not even a good option in most cases. Equity loans are not only costly but are getting harder and harder to acquire at this time. Not only are banks not as likely to hand them out as they once were, they require a lot of work. You have to have an inspection and a particular amount of existing equity in order to qualify. Not everyone has enough equity to qualify or need the amount of cash that these can offer. Small and even moderately sized repairs rarely necessitate equity loans. Worst of all, these loans are added directly to the top of your mortgage, increasing your monthly payments or term.

Another alternative is charging all the repairs to your credit card. Credit cards are a safe option for repairs like changing out a bathroom fixture or adding a new finish to the kitchen cabinets, but you should not go overboard. The problem with credit cards is that they often have intensely high financing charges. You might get by with paying the minimum due, but you will be paying for years to come. Credit cards are easily the most expensive form of financing available to consumers.

Home improvement loans are the perfect solution for renovating your home in almost every case. These loans were created just for homeowners to make repairs to their home and offer many advantages. When everything is said and done you are left with a standard loan to take care of. These loans are written out as straight forward as possible with a clear APR and pay off. This makes payments and budgeting far more manageable and can help participants to get a clear idea of what they can take out safely.

Eventually, your home will require a bit of fixing up, and you will have to look for a way to pay for it. You might even find yourself wanting to add a more stylistic appearance to your favorite place in the house. So, whether you want to or have to, the moment will eventually come when you will be paying for home improvements, and these tailor made loans are the best way to go. This is why this sort of loan is so common.

Get the best offers with Home improvement loans and also Short term investment that could give you more income.

Investors Look for Solutions to Risky U.S. Dollar

Investors Look for Solutions to Risky U.S. Dollar

Investors Look for Solutions to Risky U.S. Dollar-Image by Getty Images via @daylife

— Research by The Authority on Currencies™ urges U.S. investors to protect themselves against overexposure to U.S. Dollar risk —

Merk Investments, manager of the Merk Funds, today announced the release of a new White Paper titled, “How Can Investors Protect Against U.S. Dollar Risk?”

The White Paper asserts that, in the current environment, adding portfolio protection against a decline in the U.S. dollar may be of the utmost importance. It cautions that there is a significant risk that the U.S. dollar may continue to weaken, causing a further decline in purchasing power. Furthermore, it points out that protection against inflation and purchasing power deterioration are key investment concerns.

Consequently, the authors beckon that investors may want to consider managing the U.S. dollar risk inherent in their portfolios. The White Paper analyzes several options currently available to investors seeking currency diversification and management, and discusses advantages and disadvantages of each alternative. These alternatives range from listed currency vehicles and international securities, to precious metals, commodities, and currency overlays.

“Based on our research, employing a fully collateralized currency overlay on the S&P 500 Index results in enhanced risk-adjusted returns,” states Kieran Osborne, CFA, Merk’s Director of Research and author of the White Paper. “Forward contracts may allow investors to manage the currency exposure of an asset class or security, while maintaining a fully invested position in that same asset class or security,” concludes Mr. Osborne.

For a copy of “How Can Investors Protect Against U.S. Dollar Risk?” please contact joe.paone [at] merkinvestments.com.

Merk Investments, with over $850 million in assets under management, is the largest mutual fund company focusing exclusively on currencies. The Merk Funds are a suite of transparent no-load currency mutual funds that do not typically employ leverage, consisting of: the Merk Hard Currency Fund℠ (MERKX), the Merk Asian Currency Fund® (MEAFX), and the Merk Absolute Return Currency Fund® (MABFX). The Merk Funds provide investors with the opportunity to add managed currency exposure to their portfolios, which may provide valuable diversification benefits.

For more information about the Merk Funds and the currency asset class, including how to obtain a prospectus and to invest, please visit http://www.merkfunds.com.

For more information, or to schedule an interview, please contact:

Heather Busby
Merk Investments
(650) 323 4341
pr [at] merkinvestments.com

Merk Investments

Merk Investments LLC, is a Palo Alto, California, based SEC registered investment advisory firm managing currency mutual funds. For more information on Merk Investments or the Merk Funds, please visit http://www.merkfunds.com.

This information does not constitute a solicitation or an offer to buy or sell any investment security, nor provide investment advice. Merk Investments LLC.

Transaction fees and other restrictions may apply to invest through a broker. As with any mutual fund product, there is no guarantee that the funds will achieve their goals. Investors should consider the investment objectives, risks and charges and expenses of the Funds carefully before investing. This and other information is in the prospectus, a copy of which may be obtained by visiting the Funds’ website at http://www.merkfunds.com or calling 866-MERK FUND. Please read the prospectus carefully before you invest.

The Funds’ principal investment risks include, but are not limited to, currency exchange rate risk, foreign instrument risk and interest rate risk. For a more complete discussion of these risks please refer to the Funds’ prospectus. Foreside Fund Services, LLC, distributor.

Rare Coin Auction Set for Online Bidding

Rare Coin Auction Set for Online Bidding

Rare Coin Auction Set for Online Bidding-Image via Wikipedia

David Lawrence Rare Coins Auctions announced what may be the largest internet-only auction ever held of PCGS and NGC certified U.S. coins.

David Lawrence Rare Coins Auctions announced what may be the largest internet-only auction of PCGS and NGC certified U.S. coins ever held — all coins with CAC-approval. According to auction director, Jason Smith, “this sale features over 700 CAC-approved coins with a market value over $1.5 million. The scope and breadth of this sale is unprecedented. We’ve got offerings from an 1841 large cent PCGS/CAC Proof 64 RB to a gorgeous 1853 $2.50 NGC/CAC MS66+.” He continues to add that, “this auction is loaded with collector coins of all grades and price ranges. There’s something here for everyone.”

Bidding for all coins in the CAC-auction closes between 8-11pm on Monday, September 12. Images and descriptions are available for all items at http://www.davidlawrence.com. Users can bid online, call, fax, or use the new David Lawrence iPad app (available at the Apple store) to participate.

Interested buyers may contact the numismatic department at David Lawrence Rare Coins at 1-800-776-0560, coingroup(at)davidlawrence(dot)com.
More information about CAC is available at: http://www.caccoins.com.

 

Buying Investment Properties in Australia

Buying Investment Properties in Australia-Image via Wikipedia

Buying an investment property in Australia is a fairly simple exchange provided that you know precisely what’s concerned and what your legal rights and needs are. Australian property possession laws are very different from the US laws, and plenty of the investment strategies used in the USA aren’t directly pertinent to the Australian market. Before you ever invest your money in Australian real estate, you need to invest some time and money in your own education.

Speak with Agents, Developers and Barristers

One system to learn as much as you can about the Australian property marketplace is generally to speak to industry leaders like real-estate agents, property developers and lawyers. Local real-estate agents can tell you about property values, fluctuations in the property market, and how to construct an offer to purchase the property. Dependent on what sort of property you’re looking for, property developers can tell you about the method of purchasing off the plan and will keep you up to date withnew properties under development.

Your lawyer will be able to answer any specific legal questions that you have relating to the preparation and exchange of contracts, title searches, zoning of the property and anything more legally required or regulation. If you’re wanting to use a less typical investment technique that you have learned about in a convention or book, your lawyer will counsel you about how that strategy can successfully be applied in the Australian market place.

Property Investment Seminars

Another technique to learn about the process of making an investment in property in Australia is to go to a property investment workshop. These types of workshop are held by the larger property companies and are often run on a regular timetable in the most capital towns and larger regional areas around Australia. This type of convention can be invaluable as they discuss the key points of the method of buying property, tell you about Australian property hotspots, and introduce investment concepts such as positive cash flow property, negative gearing, tax benefits, borrowing for your next property, using your equity and more.

Learn from the Gurus

Many Australian investors discover they learn many basic and advanced property investment strategies at workshops run by other property investors- the so-called ‘Property Investment Experts’. Such gurus are plentiful in nations like the US and many Australian Property Investors first get interested in property as a result of listening to a US-based Property Expert. Fortuitously there also are many wonderful Australian Property Investment Mavens, all of who will have their specific systems and specialities, and who will teach methods which will definitely work in Australia. A number of these gurus offer free or very inexpensive introductory workshops, and many have great content-rich web sites and books that provide a lot of information to folk fascinated by property.

Printed Media

Your learning will not be complete without newspapers and magazines. Subscribing to one or more of the many monthly property investment mags available will not just keep you up to date with current trends but also offer tips on mortgage lenders, current rates, expansion areas and new developments in major centers. Newspapers permit you to check the costs in your local marketplace, and to see what’s available for sale.

Invest in Your Own Education

The most outstanding property investors spend some time and some money making an investment in their own education- they are going to have their favorite books, subscribe to certain magazines and will follow an Expert or two. Why not copy success and do the same?

Real Estate Express is real-estate investing software that is a superb tool developed by John Bone to help Australian Property Investors when buying investment property.

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