Investment Articles

Planning your investments according to the need is the most important investment advice you can receive. If you have a short term need, such as one where the money is necessary within a three-year period, you’ll want different investments than you’d have for a long-term need that takes place 20 years in the future.

Short term needs require two things when you invest. Liquidity when you need the money and safety. Since you only have a limited time, higher risk investments that fluctuate dramatically can go down and not recover in time for your specific goal. This means you find another way to finance your project, either often costing you in interest payments, or selling your investment for a loss.

Those who seek investment advice find that stocks are not the way to invest for a short-term goal. No matter how stable the company seems, the stock price will fluctuate with market conditions. In a bad economy, the drop can make a difference between a profit and a loss.

Bonds with a maturity date set within your period can provide one means of financing a need that is short term. Don’t be fooled into thinking a traditional bond fund will do the same. The bond market rises and falls just like the stock market. However, a short-term bond fund, filled with bonds that mature within a year, often has little fluctuation and offers a higher rate of return than traditional savings. Be aware of the load if you invest in a short-term bond fund. The load can erode any gain you might see. Some funds offer a reduced load or no load if you leave the funds for at least a year. Other no load funds don’t have the peril of higher charges.

Money market funds are also another way to achieve higher returns without the risk associated with stocks or other types of investments that fluctuate in price. You’ll never make a 20 percent return on your money but you will often receive a higher return than you’d get in a savings account. You can also find money market accounts with tax-free instruments if you’re in a higher tax bracket. Since the returns are tax-free, they’re often lower so make sure your tax bracket is high enough to offset the loss of return if you use a tax-free money market fund.

Shorter term CDs are also great ways to invest if you have a short-term goal. Be aware there’s a difference in bank CDs and brokerage CDs. The principal on bank CDs don’t fluctuate, while the brokerage CDs vary just like stocks and bonds. Often, brokerage CDs are longer term and if you select one that comes due within a year, it probably will be stable. Even though the return on a brokerage CD looks better, consider all costs of the purchase before you make your final decision. Ask for investment advice from someone you trust before investing into any product you don’t understand.

Short-term notes can also be another good investment for goals that occur in less than three years. Short-term notes are often under a year and of several different grades. If you want safety, look for those with the highest credit rating. If you want a higher return, you can purchase those with a slightly less than the best rating, but be aware, the lower the rating on the note, the higher the risk.

Alex Roca is the creator, founder and editor of http://smart-personal-finance.com – a popular website that provides free education on personal finance. For more information on money management, investing, budgeting, saving, and retirement visit http://smart-personal-finance.com

Have you ever been approached by someone in Asia trying to sell you shares? They’re good, aren’t they? Very good. Ever wondered how their tips always pay off (until you buy them that is)? Here’s how..

Suppose some guy calls you on the telephone saying that he is an investment advisor and that he wants to give you some free share tips so that you can evaluate how good he is.

Suppose he calls you once a month for six months and each time gives you one stock to buy or sell that month and each month his tip comes good – when he told you to buy the stock he picked for that month, it went up and when he told you to sell it went down.

After six months, or maybe less, you might be willing to entrust some money to him to invest on your behalf. It would be at this time you would likely find that the 100% track record does not continue.

Let me explain how it is possible for someone to give investment advice with a 100% success ratio for six consecutive months.

Step 1 – There is someone sitting somewhere with a telephone. He has a list of numbers that has recently been purchased from a firm that supplies leads.

Step 2 – He spends his day on the telephone and proceeds to call the people on his list. Let’s say he spends about 10 minute on average with each potential client, which means he can call 6 people per hour (that’s 50 people a day, 250 people per week, 1,000 people per month).

Step 3 – So in the first month he calls his 1,000 people and tells 500 of them to buy a certain stock and 500 people to sell the same stock. One month later, the stock will either have gone up or down. Our man then calls only those 500 people to whom he gave the “good” advice to.

Step 4 – He then repeats this process for a second month with a different stock. Again, he advises 250 to buys and 250 to sell.

Step 5 – The third month he is down to 250 people who have now received good advice for two months in a row. And so it goes on, by the sixth month he has about 15 people left on his list who have now received six correct investment recommendations on the bounce.

Hey presto! That’s how it works. As you can see, this is nothing more than a numbers game. There is no magic formula being used or superior knowledge being provided.

Ross Naylor is an experienced financial advisor who specializes in providing expatriates with impartial, transparent and common sense investment plans.

He writes frequently on a range of issues affecting would be investors. To sign up for his regular ezine, follow this link – http://www.aesinternational.com/rossnaylor/e-zine-signup.

Are you trusting brokerage firms to build your portfolio, allowing others to decide which investments are right for you? Before signing with a financial planner, wealth manager or financial advisor, here is some information that can help you avoid one of the most deadly investment traps…gambling with your nest egg.

Financial planners are often selling products instead of peace of mind, more concerned about their commissions than your financial security. Now, I’m not saying that all financial planners are bad, but the truth is that often times their hands are tied. Financial planners who work for broker-dealers have certain obligations to push or recommend specific products. Often, their bonuses, commissions, and even their ability to continue to work for a certain company, relies on their blind compliance.

The good news here is that you don’t have to be part of this game. If you are feeling anxiety or stress regarding the investment advice or decisions that are being made on your behalf, you may want to keep reading. Here are the warning signs that you may be gambling with your financial future.

Warning Signs of Investment Gambling

Your broker or financial advisor is guaranteeing to pick the best, most high-performing stocks for you – Most mutual funds have 100% turnover (download The 7 Deadly Traps of Investing for more details on this subject) and although the gurus and stock pickers make many claims, many of the stock surges are driven by hype, advertisements, and other factors that aren’t reliable in the long run. Picking stocks that will bring instant financial gain is not just risky, it’s gambling with your hard earned money.
Trying to time the market – If you or your advisor is trying to ‘time the market,’ no wonder you are losing sleep at night. Timing the market is driven by fear and speculation, and these practices will only lead to stress. Attempting to predict market fluctuations is a huge warning sign that you are gambling with your investments.
Track record investing -  If your investment advisor is endorsing a particular investment by presenting you with reports or statistics on how it has performed in the past, this is risky business. A past track record, regardless of how shining it may be, is not a practical indicator of the way a stock will perform in the future.

So, What’s the Problem Here?

Unfortunately, much of the problem lies in the fact that there are a lot of brokers and financial advisors who really don’t understand what they are selling or why. Brokers who make false claims and push products they don’t understand can have disastrous results for you, the investor.

Is There a Real Answer?

By letting you in on these warning signs, we are not implying that there are not investment advisors who really can help you. A financial advisor with your best interests in mind will guide you to making prudent investment decisions that perform above average over time. They will also help you to truly diversify your portfolio to maintain proper balance and minimize your loss potential (By the way, having a lot of stuff in your portfolio does NOT mean it’s diverse).

Bottom line? Be careful, keep your eyes open, and don’t be afraid to ask tough questions of your financial advisor. This is your money and your financial future.

For more information, download your free copy of The 7 Deadly Traps of Investing.

Are you confused on what investments you should do? Has the financial analyst had you stumped because there opinions on the market vary by the minute? In this time of uncertainty who can you trust to invest your money?

If you are anything like me you are sick of the one size fits all investment advice answers. You are smart enough to know that each person is different and what’s good for Joe Sloe to invest in may not be a good investment for you.

As you read this article you will get key points to think about before investing in anything. This is critical your money is important this article will let you know for yourself how to invest when you are not sure who to believe.

Before we begin lets clear up an investment myth to help you start off on the right track. It’s a mishap that many people fall into and what many analysts don’t know or understand themselves. What I am referring to here is disclosing what investing really is.

Investing is a plan foremost in which you perform certain procedures to get the result of income that you can access now not in the future. The result or goal is to earn money daily monthly quarterly, or yearly anything outside of this is not really investing it is something else. Understanding this concept is pivotal especially when you are not sure who to believe or invest in. Every investment decision you make should be centered on this idea.

So many times people find their money is lost because they invest on hot tips, fly by night pipe dreams and sometimes even good investment concepts but they don’t center around the fact that they have to generate income on a regular basis.

Let’s take stocks for instance if you use a broker does his investment plan for you focus on you earning a dividend? Is his or her suggestion of stocks based on companies that consistently pay dividends or are they based on recommendations of stocks that may exhibit a huge spike. One recommendation is for cash flow and the other for capital gains. If you are unsure about who to trust in investing your strategy should be on the cash flow play aka earning a dividend.

The same is true for real estate are you buying properties to rent or to sell? Again one is focused on investing and the other is not. There is nothing inherently wrong with either approach but when it comes to investing when you are not sure it’s better to focus your energy on receiving income regularly not in bursts or spurts that may or may not happen.

Now please pay attention because this is very important: Are you making any of the three classic mistakes that will prevent you from ever investing properly? I hate to admit it but I have made all three find out what they are and how to avoid them go to http://www.actualrealmoney.com

Investing is a scary subject for many. Most amateur investors think investing is risky and are scared of losing money. Investing is not risky if you know what you are doing. The secret to controlling risk when it comes to investing is by investing first in your financial education before investing with your money. You have to invest like a professional investor.

This may sound like a common sense advice, but in reality most people feel investing is rocket science or feel they do not have the time to study to become a professional investor. Consequently. most people hand over their hard earned money to strangers they hope are experts, or invest based on advise they cannot validate because of their own lack of financial education.

When it comes to driving, we attend a driving school and obtain a driver’s license before we hit the road. A doctor goes to medical school, does internship etc before he practices. In virtually field of endeavor, we prepare first before we dive in. But when it comes to investing, most people dive in first without taking time to understand what they are doing. Investing without knowing what you are doing is very risky.

How do you invest like a professional investor?

By first of all investing in your financial education to enable you:

Analyze investments
Understand markets and trends
Tell between a bad advice and good advice
Tell between a good adviser and bad adviser
Tell between a good investment and bad investment
Tell if an investment fits your investment plans and financial goals

A professional investor takes his own decisions and does not swallow every financial or investment advice hook, line and sinker.

A professional investor can tell between a sales pitch and an investment advice. Without financial education, you are at the mercy of your financial adviser. Most financial advisers are employees working for fees or commissions. To earn their fees, they have to tailor their advice towards their products to earn their commissions.

A stock broker will advise you invest in stocks and mutual funds
A banker will advise you invest in a money market instrument
An insurance broker will advise you invest in an insurance product
A commodities trader will advise you invest in commodities
A real estate broker will advise you invest in real estate

Advisers look out for themselves while dispensing financial advice, hence the advice you get is based on who you talk to. Without financial education, you will not have your own answers, and will have to run with whatever limited advice you are given.

The most common question on the lips of an amateur investor is what to invest in, while a professional investor does his due diligence to determine an investment that will yield his required returns. The professional investor invests for both cash flow and capital gain while the amateur pins all his hopes on capital gain which is outside his control. Hence a professional investor has control over the investment while the amateur has no control and only hopes for the market to go up. The professional wins in up and down markets while the amateur only wins in a market boom and is scared to death of a market crash.

To invest like a professional, your first and most important step is to invest in your financial education and become your own expert. Rather than hand over your money to strangers and hope they know what they are doing, take control of your financial future by making decisions in your best interest. Nobody cares about your money more than you do. Become an investor before you invest. Invest in becoming a professional investor.

Usiere Uko is a writer, investor, entrepreneur and editor of http://www.financialfreedominspiration.com, an inspirational blog on investing, financial education, discovering your passion and fulfilling your God given dreams. Subscribe to Financial Freedom Inspiration Newsletter and get inspired to start your journey to financial freedom today.

Last year I wrote an article about where to invest in 2010 and took that opportunity to remind investors not to fall into the excitement of active management and stock trading. Instead I cautioned them to focus on what you can control, like investment cost, risk, and asset allocation and to ignore the rest. So did I steer readers in the right direction? I was most confident that I had, but figured I would do some research on how one of the loudest stock trading icons had fared over the past year.

As the host of his show Mad Money, Jim Cramer is constantly on CNBC giving investment advice to listeners. In December of 2009, he stated that 2010 was the year of active investing and in particular certain sectors had a clear advantage. After the turmoil in 2008, he saw the financial industry as a definite opportunity in 2010 and named off several companies to buy. Not to my surprise, half of the stocks rose in value over the year while the other half showed negative year-end returns.

Furthermore, Cramer saw an opportunity in the energy sector, specifically in the recovery of natural gas versus oil. Here he listed over a dozen companies to invest in, with one of his favorites being a company that makes engines that run on natural gas and other alternative energies. The total return of these stocks for the year was 11.72%, and that is before you take into consideration trading costs. An investor in the small-cap index, Russell 2000, saw a 26.9% rate of return while taking on considerably less individual company risk.

Yet maybe 2010 was just a bad year for Cramer. I mean he does have a show on national television so he must know what he is doing, right? Since 2000, an objective research team from Massachusetts has tracked Cramer’s stock predictions to see how he has done. What they found was that over those ten years only 47% of the time had Cramer beaten the benchmark return through his stock picking! After watching his show, that seems like a lot of wasted energy to only beat benchmark returns at a rate less than that of a simple coin toss.

There is one takeaway from Cramer’s show that I do think all investors should listen to. On more than one occasion, Cramer reminds listeners that “no one will ever care more for your money than you do” and there is so much truth in that statement. Television ratings are the main goal of Cramer’s Mad Money series, and most investors have very different goals when it comes to their retirement accounts. A trusted advisor will put your interests first, and by doing so, you will have a much higher likelihood of achieving a successful retirement!

Investment advice is a sales pitch, so what are the experts selling?

Investment advice is a commission driven ‘one fit all’ approach clouded by a single mantra: Diversify and invest for the long term.

Diversification is a risk management technique which is widely used when investing in financial markets. It is used by the experts to limit your losses or protect your investments against negative market movements. However, diversification does not work all the time, especially during market crashes.

Long term investing generally refers to the ‘buy and hold’ strategy. History shows that stock markets provide the best returns above inflation over the long term. The hope is that after many years, your investments provide returns equivalent to market averages.

There are a few problems though:

Market risks are unpredictable
Market returns are unpredictable
Periods of negative return reduces the benefit of compounding

Investment advice provided by financial experts focuses primarily on diversification and long term investing. Benefits mainly come from capital gains, not cash flow.

What are the experts not telling you?

Financial freedom depends almost entirely on cash flow, not capital gains. If you don’t have sufficient monthly income to meet your needs when you stop working, you will not be able to fulfil your desired standard of living or lifestyle. One cannot rely on capital gains to support you every month.

The cardinal rule of wealth creation

Financial freedom is essentially dependent on cash flow or passive income generation. This means that income creation is a business, not an investment.

Without cash flow, you have no business, and without a business you cannot create wealth.

It is important to ask whether your investments will be able to support your desired lifestyle. You must take control of your future by building new passive income streams. A passive income business like property is a powerful example of a system that works for you.

Investing in property is a business that allows you to use teams of specialists to generate multiple income streams. You can spend about 5 hours a month running a property business worth tens or hundreds of millions of dollars.

If you miss out on the property opportunity, you may have to soak up a lot of wasted time and energy on ineffective products and investment advice.

What is the key to income freedom?

The key rests with a business system that is self-sustainable, generates monthly passive income and gives you more time to enjoy life.

About the author:

If you are interested, check this out: waytowealth

Investing is such a complicated field that there are literally tens of thousands of books written on the subject. Investing can be quite difficult, depending on the strategy, though it and can also be simple and straightforward if done properly. One of the best pieces of investment advice ever given is to diversify your portfolio into several different investment vehicles. This can help you spread out the risk and achieve a steady return on your investment capital. This is the goal of most investors. This type of investing can be categorized broadly as value investing and with a diversified investment strategy that holds a goal of long term positive returns.

Value Investing
On the whole, value investing is generally defined as investing that focuses on buying investments that have good value. This is a fundamentally safe and secure type of investment strategy. The goal is for steady appreciation and consistent yields on capital invested. Value investing is a fundamental and lies at the base of a solid financial investment plan. Buying investments because they are a good value is a mark of a solid investment plan. If you buy companies because they are good value, then chances are you will be in a position to enjoy capital appreciation in the years to come.

Stock Market Investing
Stock market investing is one of the fundamentals of value investing. By diversifying investments into the stock market it is possible to spread out investment funds into a wide variety of different companies and their stocks. It is certainly very difficult to choose specific stocks that are going to go up in value immensely in the years to come. The Walmart-like stocks are few and far between and taking them at their outset is almost impossible. This certainly does not mean that you should not try. Buying fundamentally sound stock market investments can be a goal and ticket to a fruitful financial future ahead.

Penny Stock Investments
Penny stocks are those that bear their own name. These stocks are often valued very lowly and the costs are often quite low-often times ranging from a few pennies per share up to a couple dollars per share at the most. Some investors believe that there is great potential return in penny stock investments because you can buy for such a low cost a large amount of shares and if there is any appreciation in value this year value will likewise increase. An increase in the share value will yield an increase in the investment return as well.

Bonds Investing
Bonds are another core element of a diversified investment strategy. Bonds typically have slow and steady growth patterns and consistent yields year after year. This makes them the ideal investment for slow and steady capital appreciation. There are several different types of bonds available ranging from government-backed bonds to higher risk corporate bonds. Bonds remain one of the best ways of diversifying a portfolio with safe and secure investment returns. Talk with an investment adviser about the different kinds of bond ratings and how the different types of bonds will play an important part in your overall investment portfolio.

Mutual Funds Investing
Mutual funds are yet another way of diversifying investment risk and return. Some mutual funds specialize in high risk/high yield type investments, while others mirror segments of the stock market (as in Spider Funds, which buy the exact companies that appear on certain stock indices). Mutual funds are run by a board of directors and a management team in most cases. These individuals have the responsibility of making the investment choices for the entire fund.

Mutual funds are traditionally one of the most popular investments options and routes to take. Mutual funds are easier to become involved with than almost any other investment. They are often times the starting place for investors who are looking to have the potential for return while also curving the risks in spreading out the potential downside. One of the challenges with mutual funds, however, is the fact that there are so many and they can be difficult to choose between them. Out of thousands of different mutual funds, finding one that meets your investment requirements can be tricky. It also should be noted that just because a mutual fund has done well in the past that does not mean that it will continue to do well in the future. Very few mutual funds maintain a steady track record over time.

Commodities Investing
Commodities are another option for a diversified investment portfolio. Commodities represent certain items like corn, oil, gold, silver, and other such natural items classified as commodities. Commodities can often be used as a ‘hedge’ investment and have a safe and secure track record. Investing in commodities should be done with the help of an experienced investment adviser only or with much experience under your belt. They are not typical investments and should not be viewed as ones that are as easy to invest in as bonds or mutual funds. Typically, commodities investments can be used as a counter-trend type of investment, or in other words, as a protection against loss when other types of investments seem to be falling. Commodities will typically hold their value contrary to the stock market as a whole.

All of these different types of investment options should be discussed with a qualified investment adviser or broker. To venture into these investments on your own can be dangerous. It should be mentioned that with any investment there is the potential for loss. Anytime you have the potential for substantial gain, likewise you have the potential for substantial loss. Some of these investments are more secure than others. You should discuss your options and your long-term strategy with your investment adviser to determine the best plan moving forward. You’ll want to create a diversified plan that creates a steady return while minimizing risks.

For more great tips and expert advice on investing for a bright and secure future, please visit us at http://www.elementaryinvesting.com

If you start to really look at all of your investing options and you start collecting advice, it would not be long before you ran into an investment professional who touts the benefits of a “public, all-cash, non-traded REIT. ” Your first response might be, “What’s the ticker symbol?”

Since they have no ticker symbols, your next conversation would probably consist of a description of what an “alternative” investment is and how, although there is a share price, it can’t be found on an exchange. Then, if market fluctuations make you queasier with age, this investment may start sounding pretty good the more you look into it because it’s a competitive investment that takes some of your money off of the daily pricing roller coaster. You may find that it’s an alternative worth exploring, although there are, of course, pros and cons.

What Alternative Investments Are

Investments that are considered “alternative” are investments other than the traditional stocks, bonds, mutual funds, and annuities offered by stock brokerage and insurance companies. They allow for a more direct way of investing in an entity in that you buy your shares, or units, from the company itself, not over an exchange like the New York Stock Exchange or the NASDAQ. They are usually long-term investments by nature with very limited liquidity.

One of the most common asset classes for alternative investments is real estate. Real estate investment trusts provide the opportunity to invest into a wide variety of different classes and types of real estate including, but not limited to, office, retail, industrial, houses, apartments, self- storage, timberland, healthcare, and government tenant buildings. In addition, there are varying degrees of risk which usually can be measured by the level of leverage the program uses. For example, a program that buys buildings using all cash has no mortgage default risk, so interest rate risk and property value fluctuations are less of a concern. There is no mortgage to default, whereas a speculative program that uses a high level of leverage and is probably aiming for spectacular returns, is much more likely to default if there is, say, a commercial credit freeze such as we are experiencing right now. Low debt is also usually associated with competitive monthly or quarterly distribution payments with limited appreciation potential. High debt is also usually associated with little or no periodic distributions, but high appreciation potential.

Those are the extremes. There are many levels of risk in between and it takes some effort to gauge the level of risk you are taking. What is somewhat helpful is that the alternative investment industry is using some general terms when titling their programs that loosely describe the level of risk for the program. “Core” means no leverage. “Core Plus” means some leverage, with probably an overall loan-to-value ratio of 25% to 50%. “Value Added” or “Growth and Income” means moderate leverage, with probably an overall loan-to-value of 40% to 60%. “Opportunity” means they are probably on the high side with 55% to 75% overall loan-to-value.

In general, REITs usually have a Share Repurchase Program which typically states that they will buy back your shares at a reasonable discount to the purchase price in the first two or three years, and then at either 100% or the appraised REIT value thereafter. However, they are limited to redeeming 5% of the REIT per year and can stop redemptions at any time if it’s in the best interest of other shareholders. A “public” REIT is also one of the easiest alternative investments for which to qualify. You will typically need to have either a net worth of $250,000, or a net worth of $70,000 combined with an income of $70,000. It differs, though, REIT by REIT, and state by state.

Investing in real estate entails certain risks, including, but not limited to, changes in the economy, supply and demand, laws, tenant turnover, and interest rates. Some real estate investments offer limited liquidity options. There is no assurance that the investment objectives of any program will be met. REITs are not right for all investors. Be sure to consult your advisor regarding your specific situation.

To sum it up, alternative investments can be useful in several ways. They can diversify your overall portfolio, provide some tax advantages, and provide strong cash flow and/or appreciation. On the minus side, your liquidity is very limited until the program goes full cycle and returns your principal along with whatever gain or loss it generated. As with all investments, the return of your principal is not guaranteed and past performance is not a guarantee of future results.

Registered Representative of and securities, advisory services and insurance offered through INVEST Financial Corporation (INVEST), member FINRA/SIPC, a registered investment adviser and its affiliated insurance companies. INVEST is not affiliated with Retirement Solutions. This newsletter has been provided by PEAK for use by Robert Cadena. All expressions of opinion reflect the opinions of PEAK and not necessarily those of Retirement Solutions or INVEST. The information contained in this newsletter is general in nature and should not be construed as tax or investment advice. INVEST does not provide tax advice. Please consult your tax adviser for guidance on your particular situation.

Robert C. Cadena, Jr., is the founder and owner of San Antonio’s Retirement Solutions. For more information on Retirement Solutions and how it can help you plan for retirement, please call (210) 342-2900 or log on to http://www.retirementsolutions.ws

Benjamin Graham is an authority when it comes to investing in stocks and has written several books including the bible of stock investing -’ Security analysis’.

In it, he explained that following a detailed investigation, an acceptable exchange and protection of principal are the primary concept empowering any investment decision. Any company that sells stocks which does not meet these requirements is deemed risky. He also advised stock investors not to get paranoid on the fluctuations of the market but rather look for long term arrangement and more stable financial growth.

The best time for an investor to buy stocks is while they come to be available in the market at a price lower than their own true value.

This can be done by researching and studying the business’s economic state during the past year or two.

He believed in vital assessment of a company and it just makes sense. The given “edge of protection” for the trader is a priceless notion particularly when stocks are very unstable. To make a sensible investment decision, one must adopt the art of sensible buying. Sensible buying is simply buying stocks of a usually economically secure organization at a reasonable price.

Graham also stated that good results can only be achieved through cautious evaluation and investigation. To acquire the top hand in options and stocks, one should take investing as a science and not take it as another betting venture. There are several investors who usually has the attitude of everything goes and has then stuck as aspect of their stock market investing technique. Graham realized that this process can only be achieved when traders start carrying out selections as professional as possible. What is essential is the order that will make their dealings as employed by some stock investors whose concept of stock market as a way to make quick money. He required traders to take all of the sentiment, recreation playing and shortcuts and replace it with careful research and study so that they will experience great success in their own financial ventures.

There are others who have come up to confront Graham’s ideas. Over the years, many other great financial minds such as Charles Brandes and Irving Kahn stated that it is certainly not possible to forecast or outsmart the stock marketplace.

But Graham’s investment theory engaged no chicanery or recreation playing in any way. His principle lies on the sound investment advice. This is to increase an investor’s possibilities of emerging victorious and well ahead over time. he simply believed that an informed, measured tactic will clear the way for the serious investor who is willing to put in the time to improve his/her chances in the stock exchange.

Rod Ang Lee is a part time stock analyst whose diverse set of portfolio has helped him stay afloat in these trying economic conditions. His portfolio consists of bonds, mutual funds, Dow Jones, Etrade and close end municipal bonds.