Investment Articles

In times of plenty, we seek safe haven for surplus cash that will generate passive income for the future. In times of need, some of us take desperate steps to increase our money supply to meet the demands of the day. Both actions necessitate investment decisions, decisions that many of us are oftentimes not qualified nor experienced to make wisely without help. Thus, begs the need to know the answers to the four “wives” (why, when, where, who) and one “husband” (how) questions with respect to investing and financial planning. This article will discuss the two most important pre-requisites to making wise investments.

As a licenced financial planner and a business and financial advisor to small and medium companies, I am often asked to give investment tips or advice. Whether I am a fantastic investment guru or tipster or not is immaterial as I would always avoid answering such questions without knowing and understanding the financial background, status and financial goals of the questioner. This article is not intended to be a primer in investing or financial planning as one can select a book on the subject in any good high street or online bookstore. Rather, I would like to share what I consider to be the top two amongst the many pre-requisites an investor should consider before making an investment decision.

1. Have a Financial Plan with SMART goals

Planning in general is an activity we engage in all the time – planning for a holiday, planning for a wedding, or planning for any other event or planning to achieve a particular objective. However, how many of us really get involved in developing a truly comprehensive personal financial plan and implement the same? If not, why not?

The Certified Financial Planner Board of Standards, Inc (CFPBSI) defines financial planning as “the process of meeting your life goals through the proper management of your finances”. Life goals are goals dear to us that we would like see come to pass, especially during our lifetime. Such goals can be as simple as saving to buy a car or for a cruise around the world, or a bit more challenging in investing to mitigate the effects of inflation in planning for retirement.

In goal setting, it is imperative that we be rational and do not set goals that will be too difficult to achieve in the timeframe required else we can be truly discouraged and discard the plan altogether. Thus, it is good to follow the SMART principle, taught in Management 101, which states that our goals should be Specific (say, save to buy our particular dream car), Measurable (say, save $50,000 to buy a car), Achievable (say, plan to buy a car costing a sum we can afford), Realistic (as in planning to buy a car and not a trip to the moon although it can come true for some), and Timely (say, achievable within a reasonable time period).

Knowing our SMART financial goals will enable us to plan how to achieve them. If we are not sure how to develop a financial plan that is workable for us, we can seek the services of a financial planner. A point to note is to ensure that we consult a financial planner that is adequately qualified (say, having the CFPBSI’s Certified Financial Planner certification that is recognized worldwide) and experienced (and perhaps licenced to practice as a financial planner by the appropriate authorities to ensure accountability and ethical behavior).

2. Understand your personal financial risk profile

Prior to making any investment decisions, it is necessary that we understand ourselves in relation to our individual financial risk profile. All of us take risks in our daily lives and these could include crossing a busy street, or taking a flight somewhere, or even getting married considering the increasing number of separations/divorces. It is important to note that different people have different thresholds in the level of risk they are willing to take for any number of reasons.

Assuming a risk that we are not prepared or capable to cope with may result in adverse consequences and detrimental to our health. Similarly, the level of financial risk we are willing to assume or can tolerate should be carefully evaluated and such an exercise will normally be based on a set of criteria relevant to each individual. In addition, the risk profile of an individual can change as his or her personal status changes and it is generally accepted that a younger person can assume a higher financial risk compared to a person nearing retirement as the former has time to accumulate or recoup losses due to investment decisions not realizing their desired potential.

Thus, it is wise to understand our financial risk appetite and risk profile so that the investment decisions we make will commensurate with our risk profile. Investment opportunities abound in the marketplace for all risk profile types, whether one is considered a conservative or can take high risk.

In summary, the above are what I consider the two essential pre-requisites to investing and the others mainly pertain to details in understanding investing, investment strategies, and investment opportunities that can be found in any good investment text books or articles, advice from investment professionals or financial planners, or perhaps can be the subject of a follow-up article by this writer. A last piece of advice is to re-emphasise the fact that we should not make any investment decisions that can adversely impact our financial well-being until we have a sound financial plan, and if professional advice is required, do always consult a qualified and licenced financial planner to help develop one’s personal financial plan. Always remember this well-known adage – FAILING TO PLAN IS PLANNING TO FAIL.

This article is written by Christopher Chew. He is a licenced financial planner and part-time lecturer with a passion to share information to enrich lives. Follow his blog on ( http://www.trustyoucan.blogspot.com ) or Facebook page (”financial freedom and legacy”).

Finding a sensible place to invest your money is one of the most terrifying experiences in many peoples lives, the horror of watching all of your life’s saving disappear in seconds because someone wasn’t paying attention is the number one fear of the middle class today. Good investments are not always obvious. Since for many people it is their future, the importance cannot be overestimated.

Investing in a well established and trusted company is a nice secure way to make sure that your money probably won’t disappear overnight. Safe stocks are more expensive because they are less risk. It has been said that property is theft, and to some degree that remains true today as if you have a good portfolio of property and find a letting agent you are paid for doing literally nothing.

The bond market is a more safe version of the stock market where money is invested in the future in the same way but is not so closely linked to market fluctuations up or down making a safer investment. A mutual fund allows you to join a group of similar investors led by financial experts who will reinvest the groups money into the stock market. This way you can be involved in the actual investment but with expert help.

Exchange Traded Funds or EFTs work in the same way as mutual funds but they will be limited to one industry allowing for a greater level of expertise. Great if you share this expertise. A private pension is for the most part an incredibly safe and reliable way to invest money for the future although obviously the profit is much lower along with the risks

Art is a good investment for those who have an interest in the art world or an eye for a piece with the possibility to make some truly staggering returns with the advantage of actually owning a thing. Private equity is the practice of investing in companies that are not publicly traded. This is a good option if you find the stock market a terrifying and insane place sucking the life out of all human endeavor that it comes into contact with.

A trust fund is investing your money directly into your family or a group of your choosing to be drawn on according to conditions set by the investor. They are not a good investment for profit but can have high human rewards. Motivation is often a key stumbling block.

Government bonds work exactly the same as private bonds but they allow the government to make use of private money for social programs as well as providing a fair interest rate so you can give back while saving. There are a number of options for good investments out there, be sure to choose the right one. Don’t rush, be sure you know what you are getting into.

There are plenty of investment tips available on our website. Click on this link for more information on what makes good investments

It is the desire of many people to get rich legally and ethically. Richness is a status which when obtained could give you a lot of social and economic recognitions. Those who have been wealthy have always become wealthier because of some reasons and attitudes. The truth is that it takes those who are prepared to learn these lessons to always get rich. Hence you need to get these lessons so that you can also get rich and richer.

The first lesson is that money is not the basic ingredient to achieve richness. That is to say that you can make money even if you do not have any money. You do not need to have money before you can make investments to reap profits, all you need are ideas. The wealthier people around the globe have demonstrated that it takes courage, dedication and a desire to become rich only if you have some ideas. Your ability to take advantage of opportunities and develop ideas into reality is also a contributing factor to richness. You only need to decide you want to make money and knowing exactly how you may want to achieve that. Many people have been waiting for years in vain because they are looking to get money to make money. Richness is a state of mind which can manifest itself in your desire to tend your ideas into reality. To those who have been wealthy and continue to get wealthier, the desire to tend ideas into wealth has been their hallmark. They also grab opportunities quickly and have the desire to take calculated risk.

Another lesson to consider is the fact that the rich people in the world are those who have their own businesses. These businesses were started with few investments with the owner’s time and dedication being the main resources. You can look around you and verify to see how many of the big properties around your area are owned by employees. The best ones are definitely owned by those who work for themselves. Your chances of becoming rich cannot be enhanced if you continuously rely on salaries or wages. Profits should be much on your mind than wages. The best part of this is that you can still do some investments on your own as you gradually move away from dependence on wages to dependence on making profits. Note that wages can only make you a living but for proper accumulation of wealth, you need to consider having profits. Profits are however not difficult to make. There are several opportunities around thanks to the internet that you can fall on to make significant profits and increase your wealth.

Also, you can also continuously get rich if you could learn to do what you love doing best. A simple way to develop an idea is by looking into your inner-being to identify want you love best. You can use this to develop a very successful and profitable business. When you are able to identify what you enjoy doing most and tend this into business, your dedication and affiliation becomes unquestionable. Your passion in seeing to grow a business of this kind will also be high hence increasing your wealth to ultimate richness.

The richer people all over the world demonstrate the above attitudes and qualities. You have a big say on your ability to get rich but this can be enhanced greatly if you can learn the above lessons and practice them.

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to download a FREE e-book and learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program (http://www.make-goodmoney-fast.com).

The author Isaac Akohene-Asiedu is a lecturer in Finance and Statistics and a microfinance prodigy. He is a practical investment adviser and an entrepreneur with many years of investment experience. He likes to share investment tips with people who want to earn financial freedom.

Do you sometimes get intimated or confused when you hear people talk about investments? Investment is simply putting money into a venture with the expectation of a profit. Most people wonder at what age to start investments. Should you get much older or start investing at a tender age? The most candid answer to this intriguing question is that you have to start today. But of course, you may need to understand some basic concepts as explained below before you get into any kind of investments.

No matter your age, you should have the will to make some savings first. This means that you should have some flow of income. This flow of income should not necessarily be consistent. No matter how small this could be, you may decide to put some part of it aside without having to use it under any circumstances now. The simplest plan is to put about 5% to 10% of your income or earnings aside. Over some few period of time, you will be amazed as to how much you might have accumulated. You can do this in two ways–either by putting the little savings each time into investment directly or put it together to obtain a considerably large amount before using it for investment. This notwithstanding, you may not need to wait until you accumulate a lot of money before you start any investments, the earlier you start the better for you now and an anticipated decent life in the near future. It will be in your own interest not to rely on the fortunes of your family, etc because you may be disappointed.

The interesting thing here is that you are putting money into investments now to have a better life in future. This should be your greatest motivating factor. No matter how old you are now, retirement will definitely catch up with you. Be sure not to be swayed by the prospects of having a good social security. The truth is that the economic conditions these days are becoming difficult and it shows no signs of slowing down. The cost of living keeps on increasing and hence over reliance on social security may not be the sure bet for a decent living in future. Investing now is the key to financial success in the very near future.

In addition, you may need to know where to invest. This however will depend on your attitude towards risk. More risky ventures provide higher returns whilst low risk venture also come with a corresponding low profits. Stock funds are unstable but could provide you with a good return when they are carefully selected. This becomes more secure when you invest in the S&P-500 or NASDAQ-100 Index funds. Mutual funds and bond funds can also be considered. These types of commodities pay fixed interest rates. This means that no matter how unstable the economy will be, you can largely be sure of your profits over the period of your investment. The clue here is to spread your investments among many opportunities. There are several investment opportunities you can choose from thanks to the power of the internet.

No matter how close or far you are to retirement, a decent living can only be achieved if you start investing now. Many people are enjoying a good life because they did some investments. You can also do the same now regardless of your age.

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to download a FREE e-book and learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program ( http://www.make-goodmoney-fast.com ).

The author Isaac Akohene-Asiedu is a lecturer in Finance and Statistics and a microfinance prodigy. He is a practical investment adviser and an entrepreneur with many years of investment experience. He likes to share investment tips with people who want to earn financial freedom.

Hundreds of opportunities abound in this age of globalization. The internet has contributed to the enormous opportunities around the globe. There is no limit to what someone can achieve, thanks to the internet. An individual’s ability to take advantage these opportunities when investing have a major role to play in profitability and performance of any venture. Your profits and overall success are linked to your zeal to take advantage of investing opportunities.

The interesting thing is that most of these opportunities are new and unsaturated. This means that investors who can recognize and take advantage of these opportunities become the front-runners in the very near future. Imagine what you would have done if you happen to be in the same house with Bill Gates, when he first develop the Microsoft operating system. Would you have joined him if you were invited? Many of us are confronted with such situations every day but sometimes we let pass by. Bill Gates, Michael Dell and many others have made it financially because they took advantage of some opportunities.

Researchers have shown that lithium can be a major energy source. This idea has been fueled by the fact that many care manufacturing companies are now using battery source as a form of fuel. The first of these cars have been produced and been used in some states. These cars are said to be the future of the automobile industry in an attempt to decrease the over dependence on gasoline and reduce the fuel emissions into the atmosphere. Now, as noted earlier on, these cars will depend on lithium for mobility. The number of lithium producing companies around the world can be counted on the finger tips. Hence taken advantage of this opportunity will be ideal for significant success. You can also decide to buy stocks from these lithium producing companies if you do not have what takes to put up your own lithium company. The potential for growth here is enormous.

Another opportunity that is easily forgotten when investing is land. The catch here is to know where these are lucrative. The profit margins and potentials for this kind of investment are huge. Areas such as North America and Western Europe have cheap but high demand lands. In Costa Rica for instance, investigations have shown that you stand the chance to making over 50% profit from land sales. The good part here is that, you may not need to invest for long before you get a buyer given you a quick return on investments.

Besides, the economic situations around the world shows that currency may continue to fall in value. Even the most robust economies are having currency depreciation regularly. This manifests in the fact that goods and services keeps on increasing in value. You can have the same product you bought some few months ago today but with a significant increase in price. This should tell you that the monetary value has fallen. This trend will continue to persist. It shows no sign of slowing down. Thus the value of your currency will continue to loss value if nothing is done about it. Now the best opportunity here is to save your currency in the form or gold or any precious metals. These precious metals have consistently kept their value and keeps on increasing. Thus purchasing gold bars and diamonds for example are the best opportunities for you if your aim is to save your money. Putting your money the banks as a form of savings will only devalue your currency over time.

The above opportunities have been made known to you. All you need to do is to take action to save you from being the last to know. Your success depends on how quickly you grab these investment opportunities. Take advantage now!

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to download a FREE e-book and learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program ( http://www.make-goodmoney-fast.com ).

The author Isaac Akohene-Asiedu is a lecturer in Finance and Statistics and a microfinance prodigy. He is a practical investment adviser and an entrepreneur with many years of investment experience. He likes to share investment tips with people who want to earn financial freedom.

An individual’s ability to make smart decisions concerning investments can result in fortune. The timing of such decisions is a key to financial success. This global world has made necessary for investors to win big or reap good profits even with one good decision. Those who have become so rich are largely not as a result of hard work only but also smart decisions. Below are some of the tips you could master to help you make smart investment decisions.

First, you may need to carry out due diligence about the industry you have decided to invest in. You have to know the in and out of the industries. You may need to find out if those players in there are making any profit at all and whether the industries accept new entrants easily. You may need to know the type of competition in that industry. It will also be helpful to gather competitor intelligence information ethically. These will get you to know if the industry is worth investing in.

Also, vital to sound investment decision is the idea of diversification where funds for investments are spread among several securities. The goal here is that you may not want to ‘put all your eggs in one basket’. In the event of a collapse of the only company you have put all your funds in, you risk losing everything. Hence the smartest way is to divide your funds among many companies or different commodities such that if one is not doing well, others may do well. It is rear to find about five carefully selected securities in a portfolio all doing badly at the same time.

Besides, you may need to know where to invest your funds. Common among commodities to invest in are stock funds, mutual funds, and bond funds. Stock funds are the most unstable in terms of returns but also very lucrative especially when you have a lot of money to invest and also invest wisely. For wise investment, I mean investing in more secure stocks which can guarantee you constant returns. One of the best secure stock investments is the S&P 500 Index fund. By investing in this fund, you have collectively invested in over 500 of the best companies in the world together. Your profit will largely move with the performance of the index and hence you can be assured of profit even in a highly volatile stock environment.

Bond funds are also another smart commodity to invest in. Bonds are also risky in the sense that they are affected by interest rate movements. When interest rate rises, bond prices will also fall. The smartest way around this is to invest in medium term bonds to beat the fall in bond prices in the long-term. Bond interest rates are fixed meaning that you can be certain of returns in the very near future. The real estate market together with some carefully selected investments in the mining, oil and gas sectors will make another smart investment move.

Smart decisions are essential for success in every endeavour. This is even more critical when it comes to investments. If you would heed to the tips above, obtaining good returns from your investments will be a constant feature.

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to download a FREE e-book and learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program ( http://www.make-goodmoney-fast.com ).

The author Isaac Akohene-Asiedu is a lecturer in Finance and Statistics and a microfinance prodigy. He is a practical investment adviser and an entrepreneur with many years of investment experience. He likes to share investment tips with people who want to earn financial freedom.

Investing for quick profit is much fun but only when you know how. Most people will want to enjoy good profit from their investments. This becomes more significant when the profits are realized quickly. This is because when the profits are quick in coming, they can be re-invested for higher profits to enable any investor to become wealthy and have good life. However, most of these quick profits investments are rip-offs, hence the more reason why you need to know the tips below.

First you may need to research on the investment opportunity to verify its claims of profits. This is done simply by checking the company’s website for security seals, company addresses and telephone contacts. You only start investing quickly when you are satisfied with your research which sometimes may take you less than 10 minutes to complete. When you are ok, then do not waste any time because most of these opportunities do not last much longer.

There are several opportunities that can provide you a quick profit in less time than you least expected. The best part of this is that, most of these investment opportunities require less than $100 to begin with. With much awareness and a little bit of dedication, you stand the chance of making huge profits within the shortest possible time.

The first opportunity is investing in the forex market. The forex exchange provides you the opportunity to invest your money for some good profit. Some of these companies are there to mobilize funds for other businesses such as mining, oil and gas, telecommunication and so on. These enable them to provide you with good interest rates. Some of these profits are daily, weekly and monthly. You can choose which one is good for you depending on how long you want to invest your money. All you need to do is a little due diligence to check the authenticity of such offers and programs.

Another way to get quick profit from your investment is by becoming an affiliate of a company. There are many companies that allow individuals to serve as their agents. By this way, they allow you to represent their company and recommend their products and services to your friends and community. In return they pay you instant commission for your efforts. Some good ones pay commissions as high as 45% or more. The good thing here is that, most of these companies will not require you to knock doors of your neighbors and sell. You only need to recommend the company’s products to your social network of friends easily through the internet. When your referrals make any purchase, your commission instantly hit your accounts that had been created for you upon sign on or other accounts you may provide in some cases.

You can also make a lot of instant money through market surveys. Several companies provide questionnaires online to get the opinions of the public about their product or service. These companies may want to know if an existing product is doing well with the public. They may also want to find out about your intentions about a new product they may want to introduce to the market. You may need to spend less than 10 minutes to answer these questions and be paid some good money. The interesting part here is that you do not need to invest any cash here. Your only investment is the few minutes you will spend to provide answers to these questions.

Besides, retailing on the internet has over the few years proven to be lucrative in terms of profit margins. Many websites are available where you can sign up for free to start retailing products. Most of these auctions sites accept you to sell your products to the highest bidder. Products ranging from clothing to hardware are allowed for sale on these auctions sites. Depending on your bargaining and negotiating skills, you could get these products at low-cost and sell them for big profit margins quickly.

With the opportunities and tips described above, anyone can invest for a quick profit.

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to download a FREE e-book and learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program ( http://www.make-goodmoney-fast.com ).

The author Isaac Akohene-Asiedu is a lecturer in Finance and Statistics and a microfinance prodigy. He is a practical investment adviser and an entrepreneur with many years of investment experience. He likes to share investment tips with people who want to earn financial freedom.

A portfolio is a collection of securities or a collection of all your investments put together. A good investment portfolio is vital for stable and good returns. The motivating factor here is that you do not want to risk putting all your money into only one commodity. This has caused significant loses to many investors and hence the earlier you learn the following tips for putting together a good investment portfolio, the better.

To start with, you may need to identify the market or industry that meets your investment objective. There are several industries out there where you can spread your investments. Some of these markets are emerging whilst others are already matured. In the emerging industries or markets, the profits here are high with a corresponding higher risk. The opportunity here is for the first mover or those who can invest early. The mature industries however are quite stable in returns and with moderate risk.

The next step is to determine which companies in these industries to spread your investments. Several companies operating in markets such as the real estate, telecommunication, mining, education, oil and gas, could all be considered. These are the most lucrative areas of investments these days. A Portfolio of investment that consists of commodities from these sectors has been seen to do well even under difficult economic conditions.

You may also need to know which securities or commodities to invest in to reap the highest returns. Should you go for stocks, bonds, etc? This question is well answered by considering your risk profile. That is, your attitude towards risk. This is because stocks returns are highly volatile unlike bonds. Again, dividend payments may not also be consistent, since these payments are determinant on the board of a company’s directors who may decide to use the profit accrued for the year to undertake other activities which they believe will help the company in future. This notwithstanding, stocks can be very lucrative if you have significant amount of money to invest. Bonds even though stable compared to stocks also has its shortfalls. Since interest payments are mostly fixed with many bond instruments, investors stand the risk of losing when interest rate falls. This is because when interest rate rises, bond prices are expected to fall. There is also the risk of default, re-investment and inflation, all associated with holding bonds.

These suggest that good investment portfolio should consist of few stocks and medium term bonds if you consider yourself risk averse. However, for an investor with much desire for higher returns and can tolerate risk, then a portfolio consisting of more stocks and medium to long-term bonds could be appropriate. This portfolio should also include stocks and bonds from other countries. This will enable you to reduce risk that may occur in your home country. Ideally, this portfolio should also include stocks of commodities such gold, diamond, ivory and real estate to a large extent.

In this era of rapid natural disasters and sudden economic downturns, putting together a good investment portfolio will not only guarantee a good return but also provide you with a sound ground to withstand any economic and political turbulence.

Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to download a FREE e-book and learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program ( http://www.make-goodmoney-fast.com ).

The author Isaac Akohene-Asiedu is a lecturer in Finance and Statistics and a microfinance prodigy. He is a practical investment adviser and an entrepreneur with many years of investment experience. He likes to share investment tips with people who want to earn financial freedom.

The world of investment and finance is dynamic. After the recent credit crunch, portfolio managers have become increasingly aware of the need to review and change strategies to match the demands of today and the future. A portfolio consisting of stocks, mutual funds and bonds for example may not be the best mix today. Knowing the right strategies to employ in this highly unpredictable global financial environment is key not only to the portfolio manager but also their clients not forgetting other individuals and interested parties.

Over the years, investors have concentrated on having a portfolio diversified with stocks and bonds with a little percentage higher in favour of bonds. This is because investors saw stocks to fluctuate more than bonds; hence there was wisdom in holding such a balance in a portfolio. If the prices of commodities such as gold, oil, diamond, Ivory, etc continue to rise as being observed now, then inflation together with interest rates will also rise forcing bond prices to fall. The trend of commodity price increases shows no signs of coming down anytime soon.

For these reasons, it is relevant for investors in stocks to also hold a diversified stock that include stocks from other countries (international stocks). For the years ahead, the best portfolio will also include stocks from the oil and gas sectors including real estate not to mention gold- with little reservation. It is also important for investors to reduce their investments in bonds or invest in only short-term and medium term bonds whilst avoiding the investment of long-term bond funds. It will also be beneficial for investors to also hold portfolio that includes some carefully selected fixed and floating money make instruments.

It is also important also to note that investors with reasonably small amount of money to invest should avoid stocks since the dividends that may be realize from this kind of decision may not be enough to support an already bad financial circumstances. Also investors who will expect a return or profit every year should also avoid stocks since dividend payments and capital gains may not be guaranteed. This is because dividend payment is largely at the discretion of the board of directors who may decide to announce the use of the profits generated for more income generation activities supposedly in favour of the company.

If you really want value for money concerning your investments, then a portfolio strategy that employs the commodities above is the way forward for 2011 and the future. These will provide you with the balance to withstand all the economic turbulence.

A well strategized portfolio will definitely lead an investor to making a lot of money. Having multiple sources of income is also key to sustainable cash inflows. Experienced merchants have come out with free downloadable e-books – step by step approach- to help you make your dream of becoming a millionaire a quick one. Check here for your free copy http://www.make-goodmoney-fast.com.

The author Isaac Akohene-Asiedu is a lecturer in Finance and Statistics and a microfinance prodigy. He is a practical investment adviser and an entrepreneur with many years of investment experience. He likes to share investment tips with people who want to earn financial freedom.

The issue of how to invest, where to invest, when to invest and how much to invest has been bordering many investors including analysts for ages. Having $10,000 or more to invest in 2011 and beyond profitably is highly achievable and simple as well. In order to make this a reality taking into consideration the economic and political environment across the globe, planning is key.

The first approach for success is to know where to invest. To make this appropriate, diversification should be the pillar. This is because it is not advisable to put all your $10,000 and more into only one stream of investment. Spreading your $10,000 or more among different assets such as money market instruments, bonds, stocks, and real estate is ideal. It is highly impossible for all of these assets to lose excessive value simultaneously.

Money market instruments such as fixed deposits and treasury bills are less risky, hence lower returns comparatively. They provide the investor with ready access. Bonds have higher interest rate but highly affected by interest rate fluctuations. When interest rate goes up, bond prices incidentally falls. It is there reasonable to invest in medium term bonds to lower the effects of interest rate movements in the near future. Equity funds are very volatile but can give an investor who has $10,000 or more to invest an outstanding return when companies are carefully selected. Here, companies with international presence are recommended so as to reduce systematic risk. A well diversified portfolio that includes real estate equities is also encouraged.

The second approach is to know how much or how to invest your $10,000 or more profitably. This decision is very much dependent on the risk tolerance level of the investors. Some investors are risk loving, neutral and averse. So your attitude towards risk should be the motivating factor to help you in making the right decision. If you consider yourself a risk loving or aggressive investor then invest about 60% of your funds in the stock funds including other volatile funds and 40% in the money market and bond funds. However, if you are risk averse, then invest 40% in more risky and volatile funds and 60% in the less risky or less volatile funds.

In 2011 and beyond, knowing where to invest and how to invest a $10,000 or more especially in a well diversified portfolio is the gate way to financial freedom. The years ahead looks brighter amidst the socio-economic challenges but can only be rewarding for investors and analysts who can plan, and adapt to changes and approaches as described above.

A well strategized portfolio will definitely lead an investor to making a lot of money. Having multiple sources of income is also key to sustainable cash inflows. Experienced merchants have come out with free downloadable e-books – step by step approach- to help you make your dream of becoming a millionaire a quick one. Check here for your free copy http://www.make-goodmoney-fast.com.

The author Isaac Akohene-Asiedu is a lecturer in Finance and Statistics and a microfinance prodigy. He is a practical investment adviser and an entrepreneur with many years of investment experience. He likes to share investment tips with people who want to earn financial freedom.