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The time needed for the investments Some, instead, behave differently. Some dwell on the first technique, or even better, they take some time at the beginning to find a technique that seems worthy, professional, suited to their way of being. At that point, they remain focused only on that, and they give themselves the right time to learn it, knowing that every day, spending even just a few minutes, they will become more and more masters of this new discipline. These people give themselves time, and they also give time to the technique to make sure it expresses the results.
When you invest is exactly the same thing. You must have clear in mind that, once you start, you have to leave enough time to your money to work with that strategy. Many make the mistake at that point of not giving time for the strategy to accomplish its cycle. Too bad for those who had left before it was realized. When also will power is missing The time factor is also the reason why many prefer to entrust their money to other investors, so that the latters will make the choices for them.
As recent history has taught us, these people have given control of their money to other people, they trusted them, and this trust, unfortunately, has not been repaid. And that is when they get bad surprises. In your opinion, a company that has strong interests in construction companies, will not use your money to invest in buildings?
If they would have done so decades ago it would have been a bargain. But if they still continued to do so while the housing bubble was bursting, the story would have been different. That would not have been reasonable expectation, but only personal interest.
Linked to the time factor, there are also the expectations on how much and how quickly you want to earn. Even here the situation is simple, ie, to make your money work intelligently and as safe as possible, it takes the right time and the right approach.
As you have seen, the right time is needed for your investment to make its cycle and demonstrate that reasonable expectation. The right setting of your strategy is fundamental to allow your fund to survive in any circumstance, to resist in the negative situation, and to have always the strength to start again. If your intent is to double or triple your capital in a few months, I assure you that, within a few months or even less, like a few weeks, your account will be halved, if not burned completely.
To find out if a gain percentage in a short time is too exaggerated, try to convert it into a loss, and ask yourself if you can accept it. I mean you must be able to access the data of all it has done for at least one year, with the help of special tools that can make it easy to read them. And if you have 2 or 3 years, even better. Of course, there may be exceptions, but these are good starting points.
In normal cases, if the conditions that have led you to make a certain kind of choices remain valid, then you have to leave enough time for your investment to work, and a year is usually the right time to be able to draw your own conclusions. Then, there is the time you have to give yourself to learn this new discipline. On this factor, now you have an edge because we have created a complete path to show you how to invest with this new opportunity called Social Trading.
But please, do not jump immediately ahead, remember this lesson, give yourself the time to read all of the courses, at least once, but even better if you read them twice. Metabolize all the concepts. Then start.
If you make one accurate step at a time, you will arrive straight and precisely to hit your goal. Those instead who run in a disorderly way and jump the steps, they are more likely to miss completely the target. Do you know that it would take me at least 2 years to invest and get the result I want? How to set a proper investment goal for you Knowing how to set a goal is something very powerful for an individual psychology.
However, doing it right is not so obvious, and it requires good analytical skills, but not of external factors as you might think. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle. When you invest, there are the goal you want to achieve, and the related risks. Knowing the risks associated with the achievement of a specific goal is really the starting point for a good investment.
It would not make sense to start any activity without first having established what would be the risks. To continue without knowing them can easily turn into irresponsibility. Second investment goal: knowing yourself Once your goal is clear, and then you know all the risks related to it, at that point you have to make another type of analysis, but directed toward yourself.
You have to be honest, to admit your limits, to predict your possible reactions and your tolerance levels. Which of the two investment strategies would you choose? Many respond without fail that they would choose the former. And for many this would indeed be the best choice. Although it is not easy, try to imagine how you would feel if after 3 months you would have not yet accumulated a single dollar of earnings, but rather you would see your account totally halved.
I can assure you that for very few in the world that would not be a problem at all. Nobody likes losses, and losing half of the capital can really be a bad shot. Anyway, in losses you can also discover the spirit, the courage and the steady nerves of an investor. In fact, the savvy investor who had used the strategy 1, passed those three months and finding himself without half of his account, would analyze again all the conditions that led him to choose that strategy.
He would pass them all in an analytical review and would reason with a clear mind. He would conclude that the right conditions are still in place, so he would decide to continue with the strategy, and he would then be rewarded. After the negative moment, the strategy begins to scores excellent profits and in the following nine months the account recovers all the losses and reaches its target even before the year. Now, this is just a fantasy scenario, and with a nice happy ending, but you can imagine how many would not be comfortable at all with that kind of risk, despite the prospect of the saved time might be interesting.
Many people, knowing themselves and their possible reactions, would prefer to choose a safer way, that arrive at the same result, in twice the time, but also with less than half of the risks. Knowing yourself also means being aware of the condition or situation you find yourself in. A pensioner may have a different time horizon from a young worker just come of age. But not necessarily. A pensioner might want to invest on a very solid and contained plan just to save his retirement from inflation.
Or he might want a more ambitious plan for a portion of his savings, to try to leave something more to her grandchildren. Or he might aim to double the capital in 2 years to buy the car of his dreams, and because of that is willing to risk more.
These are all examples to make you understand how the goals may vary depending on the personal circumstances of each one of us. So, do you know yourself deeply enough to understand what your goals are and the risks that you would be able to bear? How to invest and work at the same time In the introduction we said that investing means, very simply, to let money work for you, in your place.
The answer is still very simple. The methods are only two. But to give a complete picture we need to say a few words for the first method too, and perhaps these few lines would be the most important to allow a real change in the financial life of every person. If you are like most people, as almost all of us are, you are an employee of an employer, either the state or a private individual, that every month pays you the hours of work that you have done for him.
At that point, what do you do? You take that money, you go to the bank and you pay the mortgage, you go to the car dealer and you pay the car, you pay the expenses of the home, you pay the debts, you pay for medication, and maybe you also pay your child the pocket money. But what is the meaning of all this trivial speech?
What does it mean? It means that the first thing to do, whenever you get the money you earn through your work, is to take a part of it and put it aside. The best method is to open another bank account and transfer there the sum every time. So, do it immediately. To pay yourself first every time is the most important step to obtain those resources necessary to aim at your financial freedom, a freedom that can be achieved just through the investment practice.
Investing for not working Going back to the introduction, at this point, many think they have to work and pay themselves many years before they can have enough capital to invest, always convinced that for investing big capitals are needed. As we have already said, this is absolutely not true.
And also, investing a sum each month, even if small, can lead to great advantages over those who invest all at once. You instead show a bit of sense, and you decide to buy shares in packages, each month, with fixed capital payments. What happens? It has been shown that by buying in this way, statistically you will end up having more shares than your friend who instead bought them all at once. Even in the case of a trading strategy this system works very well. The ups and downs of a strategy are comparable to the ups and downs of the price of a share or a financial instrument.
In simple words, to give new funds to the strategy in installments over constants period makes sure to spread and optimize the risks over a long time period, in order to obtain a greater benefit. Work and pay yourself first each month allows you to do three things. To start making money in the second way, ie letting money work for you.
To gain advantages over time, acquiring at the best prices statistically the new units of your investment. Now, we have the two main instruments, human labor and money, ready to let us gain other money. In the next lesson we will look at the third and last component, ie the concept of compound interest. So said a certain Albert Einstein, what we all know to be the scientist by definition. Indeed, perhaps is one of few cases where school math becomes useful and interesting. Continuing, in the third period, the interest will be accrued always on the initial capital, and both on the interest accrued during the first period and the interest accrued in the second period which are themselves accrued on the interest of the first one.
And so on for each period that is added to the calculation. You instead have decided to harness the power of compound interest, so every year you have reinvested the interest accrued the year before. After the first 5 years your total capital is 16, Other 5 years pass.
Your friend has a total of 20, Now you begin to understand the power of compound interest. We can create this major difference with an annual interest over a period of only 15 years. The chart below instead shows what would happen if we could do the same for a period of 40 years. Compound interest: the secret is time In order to function and to unleash their full potential, the basic compound interest factor is time. With a Social Trading strategy your account will automatically open operations of a certain weight, a weight that will be decided firstly according to the size of your initial capital.
And so on, the concept of compound interest is also repeated in the case of a trading strategy. Now you know that time works in your favor, that the more you take advantage of time, the more it will pay you. Now you know that the first thing to do is to pay yourself, and you can do it by adding a fixed amount to the initial capital each month.
So, to those who think that we can invest just by having a large capital and managing to get a large percentage of return, you can now explain that there is another way, which does not require large capital or large percentages, but just a little patience to allow time to multiply your money.
Why Investing in knowledge is the best investment As we already said, investing in no way means to bet or gamble. Investing is based on studies and statistics, in order to find reasonable expectations of success and trying to exploiting them with a specific strategy. This means that studying will never hurt for the purpose of investing. This is an absolute rule. However, there is still a risk for those who decide to study and deepen, a risk you must have clear from the outset, because it affects virtually everyone.
Even the greatest investors have been affected at least once. The market is based on people and their decisions, not on mathematical laws, and, as we know, people very often tend to take irrational decisions. Fear and greed are the two emotions that drive any market. These two human conditions are indeed analyzable, but they will never, and I repeat never, be translated in perfect mathematical laws. Even the most solid strategies will make your account fail if, on the other side, you will insist in challenging the market.
The market is always right. Study, set a strategy and follow it, both when it wins and when it loses if the initial conditions are still there. There is a saying that is often used in business, investment and trading. Be careful, this is a fact. The investment portfolio is a set of financial assets appropriately combined to achieve a goal. Said simply, your portfolio is the set of all financial products and strategies on which you decided to invest.
Yes, because the ultimate goal of having an investment portfolio is to combine different types of instruments that operate in different ways in order to reduce the overall risk of the investment. If you have only instruments similar to one another, you run the risk of being unbalanced in both directions, both when you earn, but especially when you lose. Try to imagine what would be your reaction if, at one point, you would see your whole portfolio losing.
In addition to this type of logical considerations, the creation of a well-diversified investment portfolio has been the subject of large number of professional and academic studies, obviously all based primarily on statistics. The diversification and the statistics It has been studied that the risks related to a well-diversified portfolio are statistically lower than those of a little or non-diversified at all portfolio.
In the case of stocks and bonds you can make different hypotheses. Considering bonds as the safer and stocks as the more risky ones, you can outline different portfolio methods. Obviously these are very general and indicative guidelines. In fact, not only you can choose between stocks and bonds, but also between different types.
This means they try to match the market performance with passive investing. As a result, they have lower fund expenses than active funds. It invests in 3, of the largest publicly-traded companies. To save you money, many online brokers now offer index ETFs and you invest by the share. And, it only has an expense ratio of 0. You might decide to go with the ETF because of the lower fund expenses.
With a 0. Many experts believe ETFs will soon completely phase out mutual funds including a financial advisor with over years experience interviewed on the Money Peach podcast. Money Tip: If you have a k, a great free tool to see what fees you are paying is Blooom. Target Date Funds Another mutual fund option is target retirement date funds. If you want to retire in , you choose a fund. But, you should still make sure their investment goal matches your goals.
And, that the actual performance meets your expectations. These funds invest in a basket of stocks and bonds. They also hold index funds to keep fund expenses low. As you near retirement, the fund swaps stocks for bonds. These funds are a low-maintenance way to invest. However, more effort goes into managing these funds than an index fund, therefore you can expect to pay a higher expense ratio for them.
Therefore, your bond is now more desirable which means the price of that bond went up. Similar to how a stock goes up in value, same holds true for a bond. The easiest way to remember how bonds work is this: As interest rates go up, bond prices go down. As interest rates go down, bond prices go up. Breaking Down the Dividends Earlier we mentioned dividends, which were profits of the company distributed back to the shareholders.
Many dividends are distributed at least once a year, but they can be paid out monthly, quarterly, etc. Interestingly enough, most index funds pay them in December. In a nutshell, compound interest is literally where your money makes money for you. As you can see, your money is working for you by earning interest on the original amount AND the interest earned from the year before. As this plays out year-after-year, the amount begins to compound….
One amazing way to further increase compound interest in your favor is by reinvesting your dividends. I would start with M1 Finance for a few reasons: You can invest in partial or fractional shares. The reason why I like this concept is purchasing a single stock can be expensive! With M1 Finance, you can purchase Amazon with even just a few dollars. These goals can range from beginner investing, retirement planning, or even a more tailored responsible investing approach.
In fact, M1 Finance does not charge any commissions or markups on trades you place. Your Employer k Plan The most well-known place to invest is inside your k plan. The main reason why is for matching k contributions from your employer. If your employer offers a match, maximize it! After you meet the match, you might decide to invest more.
But, not all k plans are the same and some have some terribly high fees and very lousy investment choices. A great tool I personally use to check for k ,b, a fees is Blooom. You must pay taxes every year on your non-retirement account investments. With a pre-tax k, you will reduce your taxable income. Are There k Tax Disadvantages? Financial expert Rebecca Walser was on the Money Peach podcast with a completely different point of view about the k.
You can listen to the interview below, but in a nutshell she explains: How we are in the lowest tax environment in U. Therefore, her debate is whether or not the k is a good plan right now. If taxes do increase, then we would actually be avoiding the lower taxes now to pay higher taxes later.
Instead of paying taxes when you withdraw the money, you pay taxes today and then invest into the ROTH k. Just like the k, your growth is also tax-deferred. You fund Traditional IRAs with pre-tax income.
And, Roth IRAs receive your post-tax income. No k Plan Available? There are so many very simple platforms which are perfect for someone getting started or even a seasoned pro. One of the most well-known and trusted investing platforms is Betterment. In my opinion, Betterment hits the nail on the head when it comes to simplifying the investment process. They only use stock and bond ETFs and they help you choose your investments based on what your goals are.
Also, Betterment is flat out affordable. Whereas a financial advisor will usually charge between 0. Below are three additional reasons why you might invest with Betterment. Tax-Loss Harvesting Betterment uses tax loss harvesting to reduce your annual tax bill.
When Betterment rebalances your portfolio, they will sell some assets for a loss. Doing so can minimize your tax bill too. This strategy helps you pay less in taxes too. That means more money in your pocket! Automatic Portfolio Rebalancing Many people like Betterment because they handle the day-to-day portfolio tasks.
If your portfolio is unbalanced, you might not reach your goals. With each contribution, Betterment handles this task for you. First, they invest in the assets that are below their target levels. When necessary, Betterment sells to rebalance. Acorns Can you force yourself to invest?
With the Acorns app , you invest your spare change.
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