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Tag Archives: investment diversity

Dive Into Diversity

investing in international companies

Diving into a diverse portfolio can seem intimidating, impossible, reckless and possibly career destroying. Which can all be very true, very possible for a bad portfolio to destroy years of work in a 30 minute meeting. Even scarier, a portfolio about your financial investments and decisions you have made with money. None of us want too seem financially irresponsible and unable to make wise decisions with money, agreed? Showing off your portfolio does not have to be awkward; it does not have to be a dreadful experience. In fact, it can be something you look forward too, can be like a new shiny toy. Imagine working for months on your body, yearning for that desirable beach bod. Then finally getting to your goal, wouldn’t you want to show off your new instilled confidence strutting your stuff down the bayside. Yes. That is how your portfolio can be. Investment Goals What you need to figure out is what your goals are. What do you want to accomplish? And do not just think about now, think about a five and ten year plan. Make financial decisions based on goals for now and later. Something too many people feel is needed for a ...

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What Are Fixed Rate Bonds?

With all the options available for investing, it can be hard to decide what is right for your portfolio. While seasoned investors know that you need a mix of various stocks, bonds, cash, and other investments, new or conservative investors can get sidetracked by the amount of options available, especially within the bond market. If your risk tolerance is too low for stocks or bond funds, you might want to consider fixed rate bonds. What Are Fixed Rate Bonds? A fixed rate bond is exactly what it sounds like. It is a note that is secured by a bank or government that carries a guaranteed rate of interest if the bond is held for the specified maturity period. Maturity periods can vary, but generally the shortest available period is one year. As such, it is not subject to fluctuations in interest rates. You will not lose money on bonds if you hold them until maturity because the interest rate is stable. This can certainly appeal to conservative investors or retired individuals who can’t risk losing principal from their portfolio. However in today’s arena of low interest rates, bonds can actually lose money due to inflation. One way around this is ...

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Options for Diversifying Your Investments

While we are still basking in the possibilities of the new year, I hope you will use 2013 as the year to get serious about investing. Start by studying some basic ways to diversify your money. We all know it isn’t wise to put all of our eggs in one basket. With the ups and downs of the economy over the past several years, we’ve seen how various investments can soar and/or hit rock bottom faster than a Hollywood marriage. It’s almost enough to make you want to hide your money under the mattress, but the wise investor knows that the key to minimizing risk is to be well diversified. Obviously, most people know that you should have a mix of stocks, bonds, and cash to suit your risk tolerance, but what about alternative investments to round out the portfolio? You can check out a certificate of deposit calculator to find out the benefits of other investments. While there are many options, precious metals, real estate and peer to peer lending have been on the radar in recent years. Which, if any, should you choose? Precious Metals A way to diversify is to invest in precious metals like gold and silver. We’ve seen ...

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