Investment Articles

If you are like most people on the planet, you covet your positive investment returns and are scared to death that you might give up those returns in this tough market climate. I believe this is why a majority of individual investors missed some or all of the recent stock market ascent off the March 2009 lows and 60%+ move higher.

I think this is why a November 2009 survey of high net worth investors by Investment News, showed that only a slim portion of the wealthy feel in control of their financial lives, an even smaller number (fewer than 9%) enjoy thinking about financial matters and only about a quarter feel successful in investing.

So what is the secret to feeling better about your investments and protecting your portfolio from Mr. Market’s bears? The answer is to have a plan to identify and hedge your portfolio when market conditions clearly show a change in market direction may be coming.

This is where trend following shines. Trend following strategies don’t try to predict market or stock movements, instead they capitalizes on the market’s movements wherever or whenever they occur. Trend followers respond to what is happening rather than anticipating what might happen.

The goal of the trend follower is to let a new trend develop and then invest with that trend. The trend follower then holds that position until there is a reversal. The smart trend follower does not invest at the exact bottom because he/she wants confirmation that a turn (reversal) has occurred. Likewise the trend follower will generally not sell at the exact top (which is more easily identified after the fact). They sell after a clearly identified change in trend (reversal). Therefore, the trend follower is able to capture the “meat” of the trend.

Another very important point is that the trend follower is indifferent as to whether the trend is going up or down to capture his/her return…as long as there is a trend they can make money.

So how can trend following be used to protect your portfolio from the bears? Simple, in your manager allocation include a trend following manager in your allocation. During times of sustained market distress, this manager’s positive returns in a bear environment will help to hedge or offset losses elsewhere in your investment portfolio.

The amount you allocate to the trend follower then becomes a question of how much of the remainder of your portfolio do you want to hedge or protect. Best of all this strategy is not insurance or options, which you may pay for and never use (sunk costs). These managers can make money, as long as there are trends to follow, in both up and down markets. They therefore are a perfect compliment to other managers and styles in a well diversified stable of managers.

An author, Certified Public Accountant and Personal Financial Specialist, Jeff Diercks has helped high net worth and institutional investors grow their investment assets in both up and down markets for over a decade. Mr. Diercks is regularly featured in the mainstream media as a specialist in trend following investment strategies. For a powerful guide to investing called “Make the Trend Your Friend”, visit http://www.intrustadvisors.com.

When investing your hard earned cash, it is important that you stick to some basic investment rules. The following are five tips that you should stick to in order to ensure your investment goes according to plan.

1. Stick to your investment plan

It is important that you know what you want to achieve and what is involved with your investment. Once you make a decision and start to invest your money, it is often costly to change your mind. Depending on the type of investment you make the investment durations may differ, during that time there may be some short term market fluctuations so make sure you are comfortable with this prospect. stick to your guns and make calculated decisions.

2. Master and understand your emotions

An emotional investor can easily make the wrong investment choice as they base it on their emotions rather than facts. Many novice investors get nervous as soon as their investment goes south, and on most occasions emotions take over and they get out of the investment at any cost. An experience like this can cause an emotional investor to fear the market place and they may stop investing all together.

Your investment strategy should reflect your attitude towards investment risk – although investing is more about hedging your risk – it is a good idea to understand your tolerance to market volatility by performing a risk profile assessment.

3. Never try to time the market

If you could always pick the best time to invest in and get out of the marketplace, investing would be too simple. However, it is virtually impossible to time the market as it is live and always changing. Instead of trying to time the market, it is better to make a strategic decision and spend time in the market, this is what will make a profit.

4. Do not invest what you cannot afford

One basic rule that you must always follow is to never invest money that you cannot afford to lose. This is a form of gambling, remember you are an investor.

5. Obtain advice from a qualified source

If you are really serious about investing you should seek advice for building and managing your wealth from a qualified source. If you do not have a team of professionals working with you, the first thing you should do is seek a financial adviser, making sure that they have experience and a sound investment background. A financial adviser should help you with the following:

Set your financial goals
Devise strategies to reach your goals
Choose investments that suit your needs
Make informed financial decisions

These fundamental rules may seem very basic, and they are, however it is surprising to know that many novice and unsuccessful investors do not follow these rules.

Thank you for taking the time to read this article and I hope it is of value to you.

My name is Haidee Bloye. I am passionate about helping others achieve their financial dreams by creating wealth using various strategies, including stock market trading, property investing and online businesses strategies. For more information how you can not only create but accelerate your wealth creation, please visit my blog at http://www.secretstowealthcreation.com.

Are you on the lookout for rewarding areas of the stock market to invest your capital into? If you are searching for the most profitable portions of the marketplace, look into IPO investments. Before you can invest into IPOs though, you should definitely use an IPO valuation so you can know that you are looking at an investment that is worth your consideration.

Performing an evaluation before you purchase an IPO is essential if you desire to obtain a great deal on the investments you make. An evaluation is basically the most important action you will take while you are creating your investment strategies. There are many different factors you can look into while you are evaluating a company as well.

An essential piece of data you must look into as you are evaluating a company is the amount of debt and the value of any assets the business may maintain on its records. As you are checking the financial data relating to the company you are interested in, you should add up the total value of the assets the company owns and compare that total value to the size of the debt the business owes.

In an optimal situation, you will find companies that are selling below the difference of this equation. If you discover a company selling for less than the value of its assets, you are looking at a good investment, because you are purchasing a dollar for $. 50 in this case.

There are many other factors you should look into if you wish to make a great investment for your IPO purchase. A very important factor you can look into when you are analyzing a stock is the value of the income the business is pulling in. The most important stat inherent in the financial statements of a company is the amount of revenue the company is bringing in each month and each year. This number should always be larger than the total operating expenses of the company you are interested in. If the value of the revenue is larger than the operating expenses, you are looking at a profitable business venture.

Another factor you should look into when you are evaluating an IPO is the type of business the IPO is representing. When you are investing, make sure you are purchasing a company that you can stand behind. The easiest way to stand behind a company is by deciding whether or not you would purchase the products the company sells personally. If you would personally purchase the products the company sells, you are looking at a solid investment opportunity.

Other factors that need to be investigated before an investment can be made include the type of market the IPO is being released into, the companies or individuals who are releasing IPO, and other factors that affect the value of the investment once it hits the open market.

If you take all of these aspects of the IPO into consideration, you will certainly make a decent investment once you are finally ready to purchase the IPO. As long as you know that you are purchasing a company that is worth more than the value you are buying it for, or the services and products the business is offering are more valuable than the company is currently being evaluated for, your IPO valuation will yield you profitable results.

There are many things to consider on how to IPO properly and legally. For more information about the IPO process, be sure to consult with the professionals.

Broker financial services is a term that encompasses a variety of services, typically to the individual investor, that take a client’s entire financial plan into account. The exact services vary between firms, but most provide some or all of certain basic functions.

One of the first things the broker will do is sit down with the client and determine the client’s goals and expectations. Naturally, buying and selling stocks and bonds is one of the broker financial services offered, but the broker will also analyze the client’s willingness and ability to take risks. For those with little risk tolerance, such as those near retirement age who have a comfortable nest egg established, he will recommend funds that minimize risk. Others who have the need to be more aggressive in their investment strategies may be directed to higher risk opportunities, such as hedge funds.

The analysis of the client’s insurance needs is also typically included with broker financial services. Life insurance, long term care, or umbrella policies may all be evaluated or recommended. The sales of the policies are sometimes handled by the firm, but may also be acquired elsewhere.

Broker financial services usually include directing the investments in a 401(k) or SEP to help maximize the return. They can also assist with 401(k) rollovers or evaluation of a self-directed plan.

Home ownership and/or equity evaluation may also be offered as broker financial services. Topics such as the timing of sales (for purposes of capital gains taxes) or reverse home mortgages are often included in the package of broker financial services offered.

Retirement planning is one of the main functions of broker financial services. The broker will meet with the client to determine how much will be needed for a comfortable retirement. By factoring in such things as inflation, current salary and savings, expected income from Social Security, among others, the broker can advise how much the client needs to save or invest and the rate of return needed to achieve the stated goal.

Inheritance planning may also be one of the broker financial services offered by some firms. The broker can advise on the benefits and disadvantages of trusts, “gifting” the inheritance during life, and other strategies that can impact the taxes for their heirs.

Few online firms can offer complete broker financial services. Most often, it is necessary to find a firm locally so that clients can meet face to face with the broker for a lengthy initial consultation and then periodic follow ups.

When planning to allow one firm to handle all broker financial services, it is important for potential clients to investigate the firm’s credentials and record. For example, if the firm sells insurance, they should be properly licensed and registered. Likewise, they should have the ability to trade directly on the market floor. It is also best if the broker is a licensed financial planner, with credentials in estate planning. Large, established firms with nationwide offices are typically safer, since small, independent brokers can go out of business for a variety of reasons, perhaps taking your investments along.

David has been writing articles for nearly 2 years. Come visit one of his latest websites over at http://www.internetstockbrokersite.com which helps people find the best internet stock broker information and resources they are looking for when deciding the best way to tackle the share market and what options are available.

The results are in! Roughly 260 people took the time to respond to the first income investing survey and I thank y’all very much for being so generous with your time. First, the generalizations:

As you will recall, the survey included eight “mostly true” or “mostly false” statements. Most people answered all of the questions without explanation or analysis (as requested), and most of the analysis explained exceptions to the “in general” nature of the questions being asked. All of your comments were well thought out, most were right on target and much appreciated.

Unanswered questions were judged half right and half wrong because there were too many of them to label totally wrong and wind up with meaningful statistics. Still, as a class, those who responded barely achieved a passing grade. A composite grade of just 72% correct is pretty scary.

Only 20 people assessed all eight statements correctly.

Here are the individual item results, based on my forty years of investment experience, including 35 managing OPM (other people’s money) professionally.

1. Tax deferred income is better than tax-free income. This turned out to be the easiest question of all, as 92.3% of you correctly labeled it “False”. One lesson to be learned early in your investment life is to grow a personal, tax-free, portfolio. “Uncle” has dibs on your retirement plans— all of them.

2. All individual investment portfolios eventually become retirement income portfolios. 38.5% of you failed to get the point— you can’t spend market value unless you sell the securities, and there is no guarantee that the market will cooperate with your retirement plans. Eventually, this one rings “True”, loud and clear.

3. An income investment portfolio should have a stable market value. In thirty-five years of investment management, I’ve determined that the single biggest error investors make is their focus on the market value of income securities. Stable income yes; stable market value – not! Roughly 25% of you incorrectly put this one in the “True” column.

4. Income investors should seek out mutual funds with the highest “total returns” to insure increasing levels of income. You did even worse on this one. 27% thought that higher total returns mean higher income— not at all. “Total Return” analysis is a mutual fund shell game. You can’t spend the growth— and you really should avoid open-end Mutual Funds as income providors.

5. Most often, market value changes will have no impact on the income generated from income-purpose securities. I was not surprised that so few respondents agreed with this mostly “True” observation. Clearly, too many investors (25%) are unclear on the nature of income securities.

6. 401(k) and IRA programs are excellent pension plans. Half of you, that’s 50% people, think of your defined contribution, self directed, savings plans as pensions. Shame on everyone: the government, financial advisors, tax and estate professionals, employee benefits professionals, RIAs— all of us.

7. Government bonds carry the lowest risk of loss, BUT they do fluctuate in market value. Nearly 25% of you missed the boat on this how-could-you-not-know-that “True” statement. My mouth stayed open for days.

8. Tax-exempt dividends in excess of 6% were paid without interruption throughout the financial crisis and remain available today. Also “True” at the time of the survey, and still true today— and only a handful of you emailed me for an explanation.

In summary, there were four generally “True” and four generally “False” statements, and I do appreciate that individual circumstances may make for some slight change in assessment. But if this were a “college entrance exam” for future retirees, retirement planners, or investment managers— well, barely passing just doesn’t cut it.

Many of you will disagree with my assessment. That’s fine, I expect to be beaten up a bit by people who are unfamiliar with my approach. But please be gentle, or at least civil.

Remember, your participation has earned you a free workshop, and thanks again for the input.

Steve Selengut
http://www.sancoservices.com
http://www.valuestockindex.com

Professional Portfolio Management since 1979
Author of: “The Brainwashing of the American Investor: The Book that Wall Street Does Not Want YOU to Read”, and “A Millionaire’s Secret Investment Strategy”

What if I told you there was a way to improve your financial situation versus your peers. Would you be interested? According to a November 2009 survey of high net worth investors by Investment News, 99% of wealthy individuals and almost 90% of mega-millionaires felt that their financial situation is somewhat worse or much worse than their peers.

Now why would this be the case? One answer comes to mind, the wrong approach to their investments. It was too easy during the 1980s and 1990s to hire an investment advisor or manager and get market like returns with little downside volatility. However, as we entered the twenty first century something changed, we entered a secular bear market.

Secular bear markets are periods of great volatility of return and little upward price movement outside of a large trading range. Such periods last between 17-25 years on average. Here is what has happened in recent such periods in the economy:

Market Period – Annual Return

2000-Present
-4.68%

1966-1982
.83%

1929-1953
1.69%

1906-1924
-4.29%

The only way to make money in secular bear market periods is to trade the large up and down swings of the market. Buying and holding securities just does not work in this type of market.

We believe that is where “trend following” shines. Trend following strategies don’t try to predict market or stock movements, instead they capitalizes on the market’s movements wherever or whenever they occur. Trend followers respond to what is happening rather than anticipating what might happen.

So what is a trend? A trend is a strong, sustained move that can last from several days to a number of years. Typically a trend is something we see everyday that translates to continuing price move in the stock markets. An example would be the rising dominance of a country or region of the world that translates into a long and sustained upward move in stocks from that country.

The goal of the trend follower is to let a new trend develop and then invest with that trend. The trend follower then holds that position until there is a reversal. Trend following is based on the premise that there is always a trend taking shape somewhere in the market. The trend will lead to a strong move higher (or lower) in price. If the investor can identify the trend and jump on board, they will make money.

The smart trend follower does not invest at the exact bottom because he/she wants confirmation that a turn (reversal) has occurred. Likewise the trend follower will generally not sell at the exact top (which is more easily identified after the fact). They sell after a clearly identified change in trend (reversal). Therefore, the trend follower is able to capture the “meat” of the trend.

Another very important point is that the trend follower is indifferent as to whether the trend is going up or down to capture his/her return…as long as there is a trend they can make money. This latter statement is very important, the trend follower is agnostic as to the direction of the trend so they can make money or at least protect capital in down markets. This gives the trend following investor an advantage over their peers and improves their financial situation.

So if you want to improve your financial situation, on a relative or absolute basis, versus your peers, trend following may just be the answer.

An author, registered investment advisor and Personal Financial Specialist, Jeff Diercks has helped investors grow and protect their portfolios in both up and down markets for over a decade. Mr. Diercks is regularly featured in the mainstream media as a specialist in ETF investing and trend following investment strategies. Check out his website at http://www.intrustadvisors.com for a number of free resources including a powerful guide to investing called “Make the Trend Your Friend.”

The best investment strategy focuses on strategy and asset allocation, not on picking the best investment year after year. Few people really have any investment strategy at all, and they lose money in years like 2008 and 2009. If you want to make money in your investment portfolio in the future, and sleep at night, read this. I’ll keep it simple.

The best investment strategy is not about pulling your hair out to find the best investment or even the proper asset allocation or investment mix each year. That’s a formula for frustration. Instead, the MOST IMPORTANT thing you can do in the future, your best investment strategy, is much easier and requires no crystal ball. It starts with simple asset allocation; and then comes the important part. First I’ll tell you why most people have lost money in recent times, and then I’ll tell you what you can do to make money in the investment game without sweating the details.

Most people invest much like they play any other game they don’t really feel up to speed on. If they go into the game with a plan of action, they fall apart as soon as the unexpected happens. Then, they REACT as their emotions take over. That’s what investors as a group have done in recent times. They’ve sold stocks and stock funds out of fear because the stock market went south; and put this money into bond funds for greater safety. The end result was predictable using hindsight, because this has happened before.

Once again the average investor sold stocks when they got cheap, and will likely start buying them again when they feel that they are missing the boat. At that point in time stock prices will likely be high and ready for another tumble, if history again repeats itself. Now, let’s focus on the best investment strategy for getting and staying on track in the future. Asset allocation refers to how you invest your money across the asset classes… stocks vs. bonds vs. truly safe and liquid investments. Even if you just invest in a 401k plan or in other mutual funds, the following investment strategy is available to you. To keep things real simple, assume you’re looking at your investment options in your 401k or fund company you invest with. The options will be similar.

What percent of your total investment portfolio are you willing to put at risk to earn more vs. what percent do you want safer vs. how much do you want really safe? Let’s say you’re willing to put half at risk, but want the other half as safe as possible. Your asset allocation: 50% to stocks funds and 50% to a money market fund or stable account if you have one available. That’s how you allocate the money you already have invested, and that’s the way you allocate any new money you invest periodically.

Once you have repositioned your money to 50% stocks and 50% safe, the really important part of your ongoing investment strategy comes into play; and here is where investors drop the ball. At least once a year, or when the stock market action is extreme, check your asset allocation percentages. REBALANCE if you are not still close to 50-50. If you had done this in the recent past, you would have made money in your investment portfolio. You would have made money in the past decade as well. Here’s how the rebalance part of our best investment strategy would have worked with the 50-50 example in 2008-2009.

If you went into 2008 at 50% stocks and 50% safe, by early 2009 your safe investment would have been worth more than 50% of the total vs. your stock funds since stocks took big losses in that time period. To rebalance you would have moved money from the safe side to your stock funds to make both sides equal again. In other words, you would have bought stocks cheap. Then a year later in early 2010 your stock funds would have accounted for well over 50% of your total, since stocks soared the last 9 months of 2009.

So, with things again out of balance you rebalance again in early 2010, which means you move money from stock funds to the safe side and lock in some profits. As a long term plan this is your best investment strategy because it has you buying stocks or stock funds when prices are lower, and taking profits when stock prices have risen. Emotion and guess work are taken out of the picture. Focus on balance and rebalance. Some 401k plans and other retirement programs offer this service and will automatically do it for you per your instructions at no cost.

To keep things real simple, just rebalance once a year, like in January. This way you won’t forget and let things get off track.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

Jim is the author of a complete investor guide, Invest Informed, designed for average investors or would-be investors of all levels of financial background and experience. To learn more about investments and investing and his new financial guide go to http://www.investinformed.com.

Agricultural investment has many fans in the investosphere, the likes of Jim Rogers for example, founder of the Quantum fund alongside George Soros has been quoted as saying that agricultural investment is likely to be the best asset class of out time. So firstly lets look at the different modes of agricultural investment that are available for retail investors.

Agricultural Investment Funds
Direct Farm Ownership- Hands On
Direct Farm Ownership – Hands Off

First we look at Agriculture Investment Funds. These managed investment vehicles – available under the banner of most major investment houses – operate in the same way as other types of investment fund, gathering together the capital of smaller investors and participating in larger transactions such as buying up 1,000´s of hectares of managed farmland in various countries and essentially positioning themselves as very large global farm owner operators. Investors profit from rent received from the farming tenants, the sale of crops, the resale of the agricultural land at a later date, or a combination of all three exit strategies.

Investors benefit from expert management, and portfolio diversification, and agricultural funds have performed very well recently, as have all agricultural investment modes.

Next we take look at the most hands on form of agricultural investment, direct farm ownership with a view to working the land and selling the crops. This type of agricultural investment is by far the most hands on, and high risk, of all investment strategies, and shouldn’t be undertaken by anyone without a serious level of expertise and experience in the farming sector. It really is not simply a case of fulfilling the country dream, farming is a serious business.

In terms of UK performance, 88% of farms in the UK were profitable in 2009, and farmer also receive EU subsidies in Euros, ensuring that farmers in the UK have also recently won big on currency swings and the devaluation of GBP Sterling.

Now we look at perhaps the best in terms of the middle ground, an investment strategy that allows us access to an appreciating asset in the form of farmland, and an income yield in the form of rent, whilst at the same time avoiding huge management fees and the issue of having to farm the land ourselves.

This middle ground strategy in agricultural investment involves buying arable land and leasing it back to a framer who farms crops. This is, I believe, the best strategy for investors wanting a hands-off investment, yet still utilising the asset to produce income, as well as benefiting from capital growth.

Annual income yields of up to 7% are absolutely achievable in the current climate, and when combined with capital growth, this option is possibly the best route to 100% ROI over 5 years with minimum risk.

David Garner is Managing Partner at DGC Investment Consultants – http://www.dgc-ai.com – a boutique offshore consultancy advising a community of High Net Worth Individuals, Family Offices and Institutions on a broad range of non-correlated assets.

There are three ways to calculate property taxes in the United States. One way is using comparable value of other similar properties in a given neighborhood to determine the taxes. The second way is calculating Net Operating Income where there is no “comparable” property. The third way is using Replacement Cost to determine the value.

A property tax lien is a lien against real estate that is mandated by state law to guarantee the collection of property tax. As you probably know, real estate owners must pay taxes on a tri-annual, semi-annual, or annual basis. For the county this revenue is how local governments are able to operate things like schools, fire departments and highway construction. When property taxes are unpaid:

· The county must have a way to collect these funds to continue operating

· Many states offer annual public auctions to ensure the collection of property tax revenue

· Investors at the auction are offered the ability to purchase a lien and earn a high percentage rate on the investment

Before you begin investing, it is important to understand the benefits of this investment strategy. Purchasing Tax Lien Certificates is not like purchasing stock in a bio-tech company which may or may not produce the next wonder drug. It is more like putting money in a bank savings account, where the return is guaranteed and your original investment will be returned to you.

It is as safe as almost any type of conservative investment. However, unlike putting your money in the bank, Tax Lien Certificates provide a remarkably high yield return. Here are some of the chief benefits of committing a portion of your investment dollars into this strategy:

· You make a guaranteed high rate of return

· The interest rate is fixed

· The penalty for each lien you purchase is fixed

· Your money works for you 24/7

· The investment has continuous longevity

To start investing in Tax Liens Certificates and Tax Deeds immediately, visit: http://www.TaxLienHolder.com.

To learn other Cash Flow Strategies, visit: http://www.theCashFlowAdvisor.com.

There are a number of reasons why an ETF (exchange traded fund) can be a safer and more cost-effective investment than a mutual fund or a portfolio of individual stocks.

ETFs are a quick and easy way of creating a diverse portfolio. Investments in ETFs can cover a wide range of options in a number of sectors, locations and classes of assets, as well as different investment strategies. They usually track a collection of securities that underlie the benchmark index. This benchmark can be formed from bonds and stocks, as well as other securities (e.g. commodities). It is much harder to create such a diverse range of investments by investing in each element individually and the risks are much less with ETFs. One or two ETFs can provide as much asset class coverage and weighting as a large selection of carefully researched stocks and bonds.

There is excellent trading flexibility with an ETF. Unlike mutual funds, where the sale is processed at the end of day net asset value prices, ETF sales go through immediately. ETFs trade globally on all the main stock exchanges so the price you get will be the price quoted at the moment of sale. A range of choices for trading is available, including limit and market orders, buying on a margin, and short selling. It is sometimes possible to buy and sell options on ETFs on derivative markets. There is no minimum investment threshold required to buy ETFs.

It has been proven in numerous studies that mutual funds rarely outperform the return of an index. ETFs can do much better than mutual funds. They can efficiently realize index performance and the yearly management fee is lower than for mutual funds.

This cheaper management fee means that investing in an ETF can be more cost effective than putting your money in a mutual fund. Over a long-term investment, this difference can add up to substantial savings.

Plenty of information is available for investors to see what is happening to their ETF investment. The holdings are reported on a daily basis, with the specific weighting of the constituents of the tracked index being disclosed. This will show when there has been a modification of the position of the ETF in a particular security. The transparency this gives generates confidence in the maintenance of the original strategy.

Mutual funds generally limit their reporting to just twice yearly, which can leave the investor unaware of what is going on for many months at a time. By the time the report is made available, the fund could have changed drastically in terms of the holdings, weightings or investment style.

It is usually more tax efficient to invest in an ETF rather than a mutual fund. Capital gains tax is usually only paid on ETF investments when shares are sold, while it must be paid on the gains made by a mutual fund even while the funds are being kept in it. The investor could also end up paying more capital gains tax if they invest in individual shares and stocks, as there will be frequent tax payments to be made and there will also be transaction commissions to pay. ETFs may offer regular dividends or distributions and tax will have to be paid on these if it is held in a non-registered account.

The diversity of ETF investments means that they can be far less volatile than other investments, which reflect the daily changes of individual stocks. The overall ETF movement will depend on all of the holdings that are part of the fund, so the other holdings will moderate a single volatile movement in one. This reduces the risk to the investor.

Looking for more EFT strategies and tips? Visit us at Global Mutual Funds – Australia’s pre-eminent provider of global investment product alternatives and solutions. Find out what you need to know about equities, options trading, and how exchange traded funds can help build your long term wealth.