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Your Questions About Financing Film Uk

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Ken asks…

Recommend a film similar to Wall Street but with UK setting?

Maybe based on Fleet Street / City / Canary Wharf? With business / finance background.

Preferred, but not necessarily limited to UK, any similar type of films will do.

Thanks

financi4 answers:

Wall Street 2 is getting released in 2010, with Michael Douglas back as Gordon Gekko. ”Such Heroic Nonsense” has got a reccommedation for you.

Donald asks…

UK student seeking funding for New York Film academy?

Hi I left sixth form in september and they didn’t teach us anything about student finance. I’m finding it hard to find what I need, I cant even find where I need to apply because the directgov site is so vague.
I’m trying to get a loan to go to the new york film academy for a year. Has anybody else done the same?
I contacted the NYFA and they sent me to directgov. Apparently the NYFA offer a loan of some sort but you have to be accepted before you can find out if you’re applicable. trouble is you have to show some way of being able to pay for the course before they let you onto the books. and I cant find finance info on applying to a US uni…

so I’ve come here, Can someone can point me in the right direction?

financi4 answers:

NYFA asks that you email financialaid@nyfa.edu and explain your situation. Each student and their financial aid process is different. We will help you!

John asks…

WORKING IN AMERICA!!!!! FROM UK!!!!?

I asked this question a while back know. 

But this time I have a bigger idea of what sort of job I would like to do. 

I live in the UK, and would love to work and live in America. 

I am 16 at the moment, And plan to make a move at around 21/22 years of age. It might be a big age difference but I want to know that I have a plan for the future. I might go to University, but the question is would I need to in order to get a job of in America?

I do Finance, Film Studies & Interactive Media (Computer Design) at school in Six Form (College).

I would like to be either an Accountant or something to do with Media & Computer Design.

I want to live and breath in the east of America as I find it more interesting on that side. (Sorry westerners). 

My question is what sort of company would want to hire someone like me to work for them? (Be specific if possible).

Also what would I do for a visa so I can legally stay in America? And what type would I need (if there are type’s).

Thanks for anyone who answers! 

financi4 answers:

Jobs aren’t what you think here. So i can’t imagine what things will be like 6yrs from now (when you turn 22yrs old)

Charles asks…

Which University is better for Accounting And finance Degree ? In London – Uk / Sandwich / Salary / money?

Dear sir/madam,
I am a student and have to apply for a uni. I can go to these universities from my home. What uni is the Best one among these unis?

1) Brunel
2) Kingston
3) Kent
4) London south Bank
5)Surrey
6) London Metropolitan
7) Greenwich
8) Hertfordshire university
9) Univerisity of East London

Another Question pls – What type is bettter? A full time 3 year Accounting Degree course or 4 Year Sandwich Course Degree Course ? All i want to become a Chartered accountant quickly n earn some good money. Cuz i want to direct a film in sri lanka. i need about £ 50 k for that. so thats y i have chosen to do Accounting. How much a newly graduated accountant earn per year ?

Thanks very much
Have a nice day.
James bond ( sri lankan )

financi4 answers:

Contact your local Information Advice Guidance worker – you can find their details at the library or your local prospects office.

They will be able to answer all of your questions accurately

Good luck

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Investing In Apartment Structures – Professionals and Cons

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Apartment buildings can be one of the best locations to invest your money – even when the economic climate is going sideways. That being said, there are advantages and drawbacks to each kind of investment. In this article, I would like to go more than the professionals and cons of investing in apartment buildings.

Pros and Disadvantages of Investing in Apartment Structures:

Professionals:

1. Predictable Earnings Supply

The #1 reason that I and many wealthy investors choose apartment buildings is they offer a constant source of earnings. Chosen correctly, in a great location and area, an apartment property will provide cash movement month after month.

Companies arrive and businesses go – particularly in retail, office, and warehouse properties. However, people will always need a location to live.

2. House Appreciation

The value of an apartment creating is based on the Net Operating Income the house provides to the investor. The excellent factor about apartment properties is that you can increase the worth of the property – with out investing in new siding, windows, carpet, or even paint!

When you increase income, reduce expenses, or both, you will improve the worth of your house. Let us say the average CAP Price in your area is ten%. If you improve the Internet Operating Earnings by just $1,000 per year, you have basically added $ten,000 to the value of your house. This can be done with a mixture of raising rents and reducing expenditures – and it can be done on numerous qualities. This is 1 of the most carefully guarded secrets of expert traders.

3. Principal Reduction

Your equity raises each month in apartment buildings – instantly. This is simply because your tenants are having to pay down the home loan on your property with their rents. Each month you obtain rents, spend out expenses, and pay the home loan. With each of these payments, you are gaining equity and increasing your prosperity.

4. Taxes

Apartment qualities provide one of the best tax sheltered investments available. Because of the way the tax laws function, apartment structures advantage in two ways: through depreciation cost whilst you own the house, and you also can offer the property, re-commit the proceeds into a new house, and not spend taxes on the acquire. Attempt that with shares or mutual funds!

Cons

1. Property Conduite

1 of the downsides of apartment properties is they do require someone to manage the house. This is most likely the biggest reason why investors shy away from flats. Nevertheless, when you buy a house correctly, you should be able to hire a expert house manager and not be concerned in the day-to-day functions.

2. Investment Liquidity

Clearly you cannot buy and sell an apartment house like a stock or mutual fund. It takes time to sell when you want to “cash in your chips” down the road. So it is a longer-phrase investment than other alternatives.

3. Maintenance Issues

This goes hand-in-hand with management as being the main cause traders do not get concerned with apartments. Again, maintenance and conduite can be professionally handled when you purchase the house correctly. The income stream coming in from rents should cover these expenditures, and allow you, the investor, time to look for your subsequent offer.

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Your Questions About Is It Wise To Invest In Diamonds

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Paul asks…

Rate my Pokemon Diamond team, please?

Hi, I’ve been working really hard on my pokemon for a long while now and I’ve almost got my team up to batting. I’m not sure how this team would stack up in competitive play, but I’ll post it, any opinions would be greatly appreciated.

Slot one…
Dragonite… Modest nature, EV points giving in speed and special attack… Wise glasses for hold item.
Tunderbolt
Ice Beam
Flamethrower
Dragon Pulse

Slot 2…
Milotic… Modest Nature, EV points in speed, defense, and special attack… Leftovers held item…
Hypnosis
Recover
Ice Beam
Surf

Slot three…
Swamper… Neutral nature, EV points invested to round out it‘s defenses, attack, speed, and special attack. All stats at 200 or above by level 100… Life Orb, or grass weakening berry for held item…
Earthquake
Brick Break
Waterfall
Ice Beam

Slot four…
Steelix… Careful nature, EV invested in special defense, and attack, some HP… Item open at this time…
Iron Tail
Earthquake
Crunch
Stone Edge

Slot five…
Gengar… Impish nature, EV invested in speed and special attack… Wide lens held item
Hypnosis
Shadow Ball
Thunderbolt
Focus Blast

Slot six…
Charizard… Modest Nature, EV invested in well rounding pokemon by defenses, speed, and special attack… Power herb held item (For one charge solar beam)
Solar Beam
Flamethrower
Dragon Pulse
Air Slash.

This is my team, but I am open to suggestions. If you have anything to say, please let me know, I want to hear anything from anyone. I am very open to advise. Thanks for reading!

financi4 answers:

I just have to say… You have a lot of flame throwers… Lol
but your team also depends on level and where your going… It looks pretty solid… Except im not a big fan of crunch… Doesnt work well for me… Lol…. But it all looks pretty solid on just an everyday battle… Gerinteed win pretty much…

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Your Questions About Invest In Gold Stock

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Daniel asks…

What are some good things to invest money into besides stocks, gold, or silver?

I feel like there isn’t much else to invest in besides stocks and maybe gold.

financi4 answers:

What do you know about? Antique golf clubs? Bassoons? Amish quilts? First edition romance novels? Rare toothpicks?

I buy French horns. I know more about them than treasury bonds. I’ve done quite well with them.

There are SO MANY things that have value. If there is a market for something you can make money in it.

Steven asks…

Is there any stock directly related to GOLD?

I want to invest in GOLD through the stock market. I don’t know what are the stocks almost similar to gold.

financi4 answers:

Check out GLD…it’s an ETF that tracks the price of gold and trades just like a stock.

Donald asks…

Gold stock worth buying?

Is the Stock AXU (Alexco Resource Corp) worth investing in? Is there other good gold stocks to invest in?

financi4 answers:

Why not just buy the GLD etf??

Joseph asks…

Gold Mining Stocks, Wise to invest in them rite now?

I’ve been investing in mutual funds for years and was thinking of trying my hand at a few stocks. Read more than one article about huge returns investing in Gold mining companies.And a lot just with in the past year. Is this a trend that looks to continue even short term? How do i know which company? I’m looking for a big risk high reward.

financi4 answers:

Yes but be warn most of them have reached their yearly high. They have a big chance of dropping.

Charles asks…

how can you invest in gold? (GLD?)?

Hey,

I’m non-us Citizen, and I want to invest in gold. Because I have all saving in usd who knows what will happen I been told It’s much better put it into a GOLD stock like (GLD?) how do I do that? I tried sharebuilder but it’s for US only…

P.S do you have to pay taxes for gold investment?

financi4 answers:

A non-US citizen can open up an account anywhere in the US, but will have to have taxes withheld on all investments, You will only pay taxes on GLD when you sell it at a higher price than you purchased it. GLD is an Index of gold that trades about 1/10th the price of a standard ounce. You probably need a full service broker that knows what they are doing, most online brokers, schwab, etrade, sharebuilder, where you do not speak to the same person more than once, probably will give the standard answer that it can not be done. This is not the case. Good luck.

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Improve Your Investing Luck with the 'Success Equation'

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Improve Your Investing Luck with the 'Success Equation'

Sign in with your YouTube Account (YouTube, Google+, Gmail, Orkut, Picasa, or Chrome) to add TheStreetTV's video to your playlist. Sign in or Create an account. Published on Nov 12, 2012. Improve Your Investing Luck with the 'Success Equation'
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Your Questions About Invest In Gold Or Silver

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Charles asks…

will the prices of gold rise in nearer future probably ?

What will be proper to invest ingold or silver to gain more profit ? plz.

Justin answers:

I think the prices of Silver will be more in the future and the chances of gold looking that it will be stable.But hike will be in silver more than gold.

Paul asks…

Should I Invest in a bond portfolio or a mixed bonds stock and shares portfolio?

with no upfront cost ….

Or should I invest in gold and silver?

Or what should I invest in to protect my money against inflation??

thanks

Justin answers:

Gold and silver are bubbles in the making. I can’t tell you when the bubble will burst, but it will happen. Bonds have very low yield, but you will want to keep some money in bonds to dampen volatility of your portfolio. For a simple portfolio, I would suggest 60% in the Vanguard Total World Stock ETF (ticker=VT). The other 40% in Vanguard Mortgage-Backed Securities ETF (ticker VMBS).

VT is the ultimate in diversification, investing in the global stock market. A global stock portfolio is a decent inflation hedge, and better than the current alternatives. VMBS has a relatively good yield at 2.9% but low duration (meaning not much exposure to rising rates / inflation).

If you have a lot of money to invest, get professional help by finding a NAPFA advisor.

James asks…

i am think of investing in gold and silver. the first company i am going to look into is scottsdale silver.?

are there any other companies out there ( In the U.S. or outside it doesn’t matter) that are as good or better than scottsdale because so far i have heard they are the best.

Justin answers:

Not real familiar with the metals sector…but getting interested because some pretty good investors I know are ” talking up ” CEF…… An ETF I’m going to look into….give it some thought.

John asks…

Are my childhood comic books a good financial investment?

I’ve been reading alot about investing in gold, silver, business ventures, and shares of stock. I know that comic books, like baseball cards, can change (usually increase) in monetary value. I have over 2,000 comic books from my childhood and most are in mint or close to mint condition. Are these comic books a worthy investment?

Justin answers:

If you’re studying investments, the very first thing you should learn is that collectibles such as comics and cards and what not are NOT the same as investing in silver and gold or stocks or properties. I believe they are called “soft investments”, and trying to treat them the same way as you would investing in stocks and the like is fool hardy.

Some of the people answering have no idea what they’re talking about. People think that just because some comics have gone up in value, all comics will, and that’s simply not the case.

The exact value of your comics will require you to research what exactly it is you have. As a rule of thumb, comics from the 80s and 90s are virtually worthless, and almost certainly worth significantly less than you probably paid for them originally. If the comics are from the 1960s and earlier, you’ll almost certainly be looking at a decent sum of money. Most comics from the 70s are also worth a fair amount, but significantly less than most of the ones from the 60s, depending on which specific comics you’re dealing with.

If you’re dealing with a collection from the 80s and 90s, find someone who knows a thing or two about comics just to check to see if you have one of the 2 dozen or so comics from that time period that gained value (Amazing Spider-Man #298-300 is the most likely). The best thing to do with the rest, which will more or less be worthless, is simply call a local comic store and see what they think. Most likely, you’ll only be seeing a couple of cents apiece if this is an 80s/90s collection.

In the 1940s, 50s and 60s, comics were seen as disposable pieces of entertainment. Kids would read them, maybe pass them around amongst their friends, handle them roughly, fold the pages, cut out pictures they liked, and eventually throw them away (or their mothers would). They were the same as a newspaper or a magazine, they were not collectors items. Well, in the 1970s, the first comic book conventions started up, as the comic book readers had grown from kids into adults and hadn’t given up the hobby. At these comic conventions, people began to sell their old collections, and seek out comics they’d heard of but never read, or read when they were younger but had been thrown out. All of a sudden, there began to be a demand for comics which had been printed 10, 20, 30 years before, and very few copies were left. Hundreds of thousands of issues might have been originally printed, but since they were seen as disposable, only a few hundred copies were left, with thousands of collectors looking for them. (Action Comics #1, the first appearance of Superman, has only 75 remaining copies left known to exist, for example, and most of them are beat up).

Well, you know what happens next, basic supply and demand. Someone was a Fantastic Four fan and wanted issue #1, which had a ten cent price stamp. They found a dealer selling a copy for a dollar. Then someone else offers to pay $5, then someone buys it from them for $20, and so on and so forth, until the rarity and desirability has been established and today that comic sells for tens of thousands of dollars. Because there are only a handful of remain copies and thousands of fans who’d like to have it.

Then people started to get into the mentality of “Hey, if those older comics are worth a lot of money now, maybe today’s comics will be worth a lot some day too!” They began holding onto their comics, keeping them in good shape. More and more people started doing this. Some people started buying multiple copies of the same comic. This whole situation peaked in the early 90s, when comics like Spawn #1 and X-Men #1 sold MILLIONS of copies, even though only a few thousand people were actually buying them. They were treating comics like stocks, which they are not. They completely eliminated the possibility of those comics ever being rare.

Comics from the 80s and 90s are extremely common and far outnumber the number of people who actually read comics these days. Therefore, they will never be worth money. Not in 10 years, not in 20 or 30. Comic readership declined, and hundreds of stores across the country went out of business. The only ones who stayed in business were the ones who were well managed and didn’t buy into this whole process. My local store has done very well for itself because the owner was a business major and knew to avoid these traps. Over the years, as other stores in the region have gone out of business, their stocks have come to my store. I’ve been in their basement, and have seen the close to a million comics they have down there – all virtually worthless. The best they can do is put in the discount bin for a few cents and hope that some of them will sell so at least some money is made off of them.

Also, your books are not in mint condition. “Mint” refers to an impossibly high and rare standard that you have to have years of experience grading comics to assess. I’ve been collecting comics for 20 years and I wouldn’t call a single one I own “mint”. At most, many mat be in “Near Mint” condition, but many are probably in the next tier down “Very Fine.” It’s usually a pretty tell tale sign that someone doesn’t know what they’re talking about when they call their comics “mint”. It’d almost be like a bowler bragging about the time he scored 310. Just FYI.

Robert asks…

Should I buy gold or silver for and investment?

Should I buy gold or silver for and investment?

At this time or in the future would Gold or Silver be a good investment against inflation? Or should I invest in Oil?

If all of those are not good options at this time, where should I invest my money to protect myself against inflation?

Justin answers:

Gold, silver and oil are risky right now because of their price.Plus they pay no interest.

Cash deposits (CDs) are insured to 100k at most banks. They pay more interest than the inflation rate, so they fit your request. Check Bankrate.com for best rates.

Another idea are ibonds. These will increase in value if inflation increases. You can buy these from fed directly.
If you prefer you can buy TIPS from Vanguard. The Vanguard TIPS fund has a yield of 2.40%, plus inflation protection.

Also, if you want10-15% in stocks (which will rise over time), you can buy Vanguard’s total stock market index fund . All stocks in us market (5000+) are in the fund. So, the fund is very diversified. That means if a single stock goes down it will not hurt you.

Here’s what i would do
10-50% stocks (vanguard total market index)
10-20% Int’l stock fund (vanguard int’l market index fund)
10-30% TIPS or ibonds (from vanguard or treasury direct)
10-50% CD’s (from a bank)

Mark asks…

Should I buy gold or silver for and investment?

Should I buy gold or silver for and investment?

At this time or in the future would Gold or Silver be a good investment against inflation? Or should I invest in Oil?

If all of those are not good options at this time, where should I invest my money to protect myself against inflation?

Justin answers:

Stay in cash – even at zero percent interest.

The market’s going to tank Monday and, when the Federal Reserve announces support measures Tuesday it’ll rise Tuesday. But this’ll be short-lived. The underlying problem is that there’s too much debt and too much of it is underpinned by real estate which is falling in value.

So, don’t buy Monday. Sell Tuesday….early. And wait.

Ken asks…

when you buy a gold coin what is the appropriate increase on the point where it is?

when I bought my coin gold was at 670 aprocamatly they charged me 10 dollars so I paid 680. Now when I retured gold what still again at 670 so I expected to pay a 10 dollar fee, this @#%C$% said Ill give you 540 for it , he then said how am I supposed to make a profit , I had to bargain with him like I was in tijuana. he gave me 630 . he is the only gold dealer in town is he useing his monoply or what when I lived in salt lake whether you bought or sold they would charge the same sellers finders fee , which is fine but 540! what s the point of even investing in gold or silver. I think he is just a crook or am I wrong?

Justin answers:

Your local dealer was definitely trying to scam you.

Dealers make their money, not on the price of the metal, but from a premium they charge at time of purchase or sale. They make money on both sides of the transaction, which is very typical and acceptable. Normally you can expect to pay an extra 2-2.5% at time of purchase, and a little less when you sell it back to the dealer. This really depends on the type of metal (gold, silver, platinum, palladium). I would definitely look for another dealer.

You should consider going to local coin shows, or give eBay a try. Lots of precious metals are bought and sold each day on eBay with great success. Keep in mind that between eBay and PayPal fees you could lose about 10% of the sale price.

My suggestion would be to check the yellow pages for another dealer, or check out online brokers such as www.apmex.com. American Precious Metals Exchange (apmex) both buys and sells gold and silver. Another source is Bullion Direct at www.bulliondirect.com. Both sites will list the current spot (market) prices for the metals. I’m not affiliated with any of these companies, but know several people that use them. They’ve been around for quite a while, and are very reputable.

Good luck to you!

DJ

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Your Questions About Advantages And Disadvantages Of Investing In Mutual Funds

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Joseph asks…

What are advantages and disadvantages of investing in mutual fund?

What are advantages and disadvantages of investing in mutual fund?

financi4 answers:

Advantages

1. Diversification
2. Professional Management
3. Convenience
4. Liquidity
5. Minimum Initial Investment

Disadvantages

1. Risks and Costs :hanging market conditions can create fluctuations in the value of a mutual fund investment.
2. No Guarantees
3. The Diversification “Penalty
3. Costs.

William asks…

What are the advantages and disadvantages of saving or investing in these?

What are the advantages and/or disadvantages of saving or investing in each of these:
-Common stocks
Mutual funds
-Life insurance
-A certificate of deposit
-A savings account of US savings bond

~
Thanks

financi4 answers:

Stocks:
Advantages – potential for best gains.
Disadvantages – highest risk

Mutual Funds:
Advantages – Still high potential for gain with much less risk than single stock. With a single mutual fund you can have a very diversified portfolio.
Disadvantages – Expenses generally higher than stocks; many have minimum investment requirements.

Life insurance – in order to really consider this an investment, you would have to go with Whole life insurance. Term life pays nothing once you cancel the policy, so it’s not really an investment any more than Auto or homeowners insurance.
Advantages – Generally a safe investment
Disadvantages – Whole life policies can have expensive premiums; returns usually lower than mutual funds or stocks.

CDs:
Advantages – Most are federally insured up to a point. Make sure you get a CD that is FDIC insured (or NCUA insured if you get it from a credit union). Even if the bank becomes insolvent, your money, up to $250K, is federally insured.
Disadvantages – Low return; if you need to withdraw the money before the CD matures, there is usually a penalty – generally a few months worth of interest.

Savings bonds:
Advantages: Backed by the full faith of the US government. Unless the US government dissolves, your money is safe.
Disadvantages – worst return. In fact, right now US bonds are yielding 0%. Even in good times, Savings bonds offer very low interest generally.

You can do your own numbers with one of these savings calculators

Steven asks…

What are the advantages and disadvantages of using a foriegn bank for savings??

also is it wise to invest in foriegn currency or mutual funds ??

financi4 answers:

U`ve asked 2 questions in 1 let me reply first.
1. Advantages of a foreign bank – great cusomer relationship services, well maintain accounts, good interest rates. Disavantage : – They are not local and may wind up business if it wont work properly and u get screwed.
2. Reply to Second question it is better to be invested in Mutual funds than foreign currency. Mutual Funds can get u 20% anualised income and dividend but foreign currency cant grow that much.

Ken asks…

This is what I have so far but i need help with choosing the 5 mutual funds Can anyone help me out?

Cliff Swatner is single, 33, and owns a condominium in New York City worth $250,000. Cliff is an attorney and doing well financially. His income last year exceeded $90,000, and he has sufficient liquid assets to supplement his condominium and other tangible assets. Several years ago, Cliff began investing in stocks and bonds. He made his selections on the basis of articles he read describing good investment opportunities. Some have worked well for Cliff, but others have not. Cliff has never taken the time to evaluate his portfolio performance, but he feels it isn’t very good. Cliff currently has about $90,000 invested. He has been dating a woman lately and hopes to marry her in three years, at which time he will need $20,000 for marriage expenses and a honeymoon. Cliff’s only other objective is to accumulate funds for retirement, but he does not have a specific dollar target for this goal. Cliff feels that he has a moderate risk-tolerance level. 1. Explain some disadvantages of Cliff’s current investment approach. 2. Construct a portfolio for Cliff, limiting your selections to 5 mutual funds (assume that he sells his current stock and bond holdings). Make sure your plan indicates specific dollar amounts for each portfolio component. Make sure your plan also explains your selections for each portfolio component. Visit an investment firm that deals in mutual funds, such as, Vanguard.com, AmericanCentury.com, Fidelity.com, etc. and select 5 mutual funds that will diversify Cliff’s portfolio. Record the fund name, ticker symbol, 5 year average annual returns (can use 3 year if 5 year is unavailable), the amount to be invested in each fund, and the amount returned in 3 years using the 5 years average annual return for the wedding. 3. Explain how Cliff should periodically rebalance his portfolio, indicating how frequently re balancing should be done.

This is what I have so far but i need help with choosing the 5 mutual funds Can anyone help me out?

Some disadvantages of Cliff’s current investment approach are that he has not kept track of his investments. Having made the investments Cliff should have kept track of them. He should hold on to the investments that are doing well and sell the ones that are not. Investing without any specific targets or goals, doesn’t help when he is trying to accumulate funds for retirement.
Different investments have different risk and should be kept in mind while investing. He has no dollar amount as a target, while investing it is important to have the dollar amount that he wishes to acquire. Based on these and the expected returns, a monthly allotment can be made. Without the target, it is difficult to put aside any amount of money. His portfolio should if possible be a diversified portfolio so that the instability in returns is reduced. This means that he should include some low risk securities such as Treasury Bills.
Advantages of Mutual Funds: Professional Management – The primary advantage of mutual funds (at least theoretically) is the professional management of your money. Investors purchase funds because they do not have the time or the expertise to manage their own portfolio. A mutual fund is a relatively inexpensive way for a small investor to get a full-time manager to make and monitor investments.
Diversification – By owning shares in a mutual fund instead of owning individual stocks or bonds, your risk is spread out. The idea behind diversification is to invest in a large number of assets so that a loss in any particular investment is minimized by gains in others. In other words, the more stocks and bonds you own, the less any one of them can hurt you. Large mutual funds typically own hundreds of different stocks in many different industries. It wouldn’t be possible for an investor to build this kind of a portfolio with a small amount of money.

Economies of Scale – Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than you as an individual would pay. Liquidity – Just like an individual stock, a mutual fund allows you to request that your shares be converted into cash at any time. Simplicity – Buying a mutual fund is easy.
Cliff can invest the $90,000 as follows:
Asset HoldingsAmountProportion

Growth stocks$27,00030%
International stocks$18,00020%
High quality bonds$22,50025%
Zero coupon bonds$13,50015%
3 to 5-year CDs$ 9,00010%

Total$90,000100%

Rebalancing the portfolio means moving from risky assets to safer assets as you time passes. The logic behind that is that an investor would not like to lose capital as he grows older, since the sources of income would be limited. As people approach retirement, they tend to become more risk averse. Their investment strategy also tends to emphasize capital preservation. This increased conservatism is a very normal response. However, this shift in risk tolerance requires tha

financi4 answers:

Don’t forget to set aside $20K (or an amt that will grow to $20K) for Cliff’s wedding in 3 years – that’s short-term money, and should be kept in “safe” investments. Also (I don’t know if your prof cares about this), Cliff should have an emergency fund equivalent to 6 months’ living expenses – this should also be kept in safe investments.

For retirement, I would allocate as follows:

VFINX – 30%
FDIVX – 20%
FSLCX – 15%
FSICX – 20%
TRREX – 15%

I hope that helps. Good luck!

James asks…

mutual funds, ETFs, Forex investment for longterm?

1. what are the advantages, disadvantages of each, inshort comparison?

2.i m from Pakistan, Arif habib investment is the group i wanna invest in with a SMALL AMOUNT, in mutual funds. He is also the president of Pakistan stock exchange. that i am sure is a plus point.

3.ETFs have to be handled by oneself. on the contrary i am a salaried person have no time to take care of my investment or buisness. so i need managers to look out for me. they have been working for the past 5 years. their minimum is 26% profit, max is 80% in 2002. the charges 1.5%. by long term i mean 5 or 10+ years.

4. how long would should an investment on average take to double in such a mutual fund?

5. can mutual funds in Asia sub-continent really meet inflation rate?

6. Are there other investment opportunities which one u think is best and why, for a person like me, ? i m looking forward to looooooooooooooooooong detailed answers. Thanx 🙂

financi4 answers:

ETFs are cheaper than mutual funds. ETFs have very low annual expenses, nearly 20 basis points or 0.2% less. As against this, actively managed mutual funds show average expenses exceeding 135 basis points (1.35%). This does not include the extra 2% – 5% as loads, 12(b)-1 marketing fees, transactions costs, and soft dollar expenses mutual funds, passed on to you but never informed, except in very fine print that nobody cares to read. ETFs have a lower turnover than most mutual funds. As ETFs do not require active management and hold nearly a steady stream of stocks, there is hardly any portfolio turnover.

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