Archive | Investing

Top 5 Investing Myths and Misconceptions that can be Costly

Top 5 Investing Myths that can be Costly

There are many common investing myths that can be very costly, leading you to be too conservative, too risky or avoid investing completely. We’d like to steer you away from some of the most common investing misconceptions – better known as traps – that can significantly injure your investment power and financial strength.

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What is a Real Estate Investment Trust (REIT)?

Real Estate Investment Trust (REIT)

If you’re thinking about getting into the real estate market, or expanding your real estate portfolio, you’ve likely heard the term REIT. A REIT, or Real Estate Investment Trust, is a company that owns or finances real estate properties. You invest in the company that owns multiple income-producing properties, and you are not the landlord getting 3 AM calls about broken heating or dripping faucets. Someone else handles that. You own, and you collect your dividends without bailing water out of a flooded basement or changing light bulbs on a 20-foot ceiling.

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Buy and Hold Investing vs Market Timing

Never try to time the market

One of the most common questions that I get as a professional money manager has to do with market timing. People seem to think that financial advisors have some investment ouija board that will let us know exactly when you should get in and get out to maximize your return. Unfortunately, if you think timing the market is a sound investment strategy, read on.

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Active vs Passive Investing – And the Winner Is?

Active vs. Passive Investing

The debate of active vs passive investing has been raging since the 1970s with proponents on both sides offering up what they purport to be objective evidence that supposedly supports their respective positions. If you are not that familiar with the active versus passive debate, read on.

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Is the Strength of the Market a Concern When Investing New Money?

When investing new money, the first thing you look at is risk tolerance and time frame and try not to be concerned with where the market is today because, in reality we don’t know where it is going to go from here. Don’t pay attention too closely at the market when you are investing new money for the long term. If you are concerned with short term money, the stock market may not be the best place to invest. If you stay diversified in your portfolio, you should be covered from the fluctuations in the market. Find out more and listen to the discussion

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Should You Manage Your Own Investment Portfolio?

What are the pros and cons for you to consider if you want to manage your own investment portfolio? Many people like to do things themselves and sometimes it works out fine. Managing your personal finances has a couple of dimensions that you need to consider – quantitative and qualitative factors. From a qualitative perspective, if you can create a balanced portfolio and minimize expenses, then you can set up your investments appropriately. The qualitative perspective deals with human emotions. The financial market is volatile and full of emotional aspects. To effectively manage your own investment portfolio, you need to consider both factors realistically. Listen to the discussion

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Should You Convert an IRA to a Roth IRA?

Is it a good idea to convert an IRA into a Roth IRA? An IRA is usually funded with pre-tax money and Roth IRA are post-tax money. They both grow tax deferred. The longer the time frame (i.e. the younger you are), the better the Roth IRA looks. So as long as you can afford to pay the taxes on the IRA when you roll it over, it is beneficial to do it now. If you are in your twenties, you most likely are in a lower tax bracket, so doing this now is beneficial. Listen to the advice

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