Does anyone think that it makes any sense to start investing at the age of 44?
Answers: YES ! YES!..It makes absolute sense...simply " saving" for a nest-egg will get you nowhere.
Scour this website for questions and answers about "beginning investing"... you'll find plenty of tips. Like where and how to get started...how easy it is to open an account...and why it should be an IRA... and what kind of funds or ETFs to get into, etc, etc.
I would guess at 44 that you could still do about five or six ( or even 10 ) years in a sort of aggressive mode...then get cautious when you're getting closer to 55... but I DO know people who are still finding big returns even though they are in their seventies!!
Go to this website...http://www.finishrich.com/free_resources...
Figure out how much you can invest "yearly" and enter it there...then change the percent of return a few times ...see how that 15 or 20 year bundle will change if you can get 13% gains, or maybe 16%. I'll bet you end up with a surprising amount !!
" Saving" might get you 5%...with " investing" the possibilities are endless.( There may be tough times, too.but in that 15 or 20 year " long run", you'll be wayyyyyy ahead.)
Absolutely! You should definitely implement a financial plan that includes investing to meet future needs. And as much as possible providing for your desires so that you can enjoy life.
And remember that life doesn't end at retirement. If you are in good health, you could have another 44 years to invest. Retirement changes your salary, but there are many other factors that need to be considered. Your plans should be based on life expectancy, needs, and goals, not just a retirement date.
Yes. It makes a lot of sense. Nowadays, 44 isn't that old. The entire population is just living longer.
Good luck.
You will love yourself in ten and twenty years from now! I can't tell you how important and doable this is... Read a couple of books on retirement investing and Mutual Funds. To do nothing is just plain suicidal.
You Can do this. You must do this.
It is most important that you invest now. People your age will probably never see Social Security Benefits, and if you do it will be in the form of a tremendously devalued currency.
your first option should be to fund fully a retirement account. If you do this, and you have extra cash, then one of the best things you can do is open a DRIP Plan.
Go to : low-cost-stock-recommendations
.com
They have a DRIP Section and it is free.
These powerful investment plans are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.
They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down. They are a must for any serious investor.
I strongly recommend looking into it. They are great plans.
Do you feel REITs is a bleak long-term investment over the subsequent 3 years?
If you answer, please explain why or why not.Answers: REITs are based on the residential and commercial tangible estate market. On the resendial side prices, and rent still enjoy room to go down, and on the commercial side near a recession coming and a sluggish economy the sector might jump into a sluggish mode. I would say that probably over 3 years it should be OK, but investing very soon in anything which is remotely tied to the valid estate market is approaching trying to catch a falling pierce. You might want to look at emerging market REITs, but have the last few months hold proven we live in an interconnected cutback, so any US real estate down turn might spread to the EM.
With volatility increasing contained by the market I would fairly invest in a 120/20 long/ short startegy.
Good luck.
Reit's that enjoy a high dividend, tend to jump up in price when interest rates are going down. and walk down in price, when interest rates are going up.
if the dividend is flawless, most will be ok. interest rates are prolly not going to move significantly in the subsequent 3 years.
Well Dr. Jim, REIT's do tend to have a nice dividend payout, because they own to redistribute atleast 90% of their income to investors surrounded by order to qualify as a REIT.
I be reading about a extraordinary REIT, That was invested heavily within timberland. It also did mineral exploration on the land.
The analysis be interesting, and I personally have never heard of a REIT similar to this one.
Check it out
Does Mastercard converting B shares into A shares increase the number of A shares?
Or are the number of B shares converted just become A shares themselves, in need changing the overall number of A shares?Answers: Mastercard be originally entirely owned by its financial institution customers (i.e., the banks who sponsored its credit cards). In decree to become a public company, that ownership was converted into Class B shares. Mastercard go public by issuing class A shares. The major difference between class A and B shares is that the class B shares don't trade.
In demand to allow its class B shareholders to get effectiveness from their shares, they convert a certain number of the B shares into A shares. The constraint is described in the following paragraph.
"Through 'conversion transactions,' within amounts and at times to be designated by the Company, current holders of shares of Class B common stock who elect to share would be eligible to convert their shares on a one-for-one basis into shares of Class A adjectives stock for subsequent sale to public investors inside no more than 30 days. MasterCard Class B shareholders would not be allowed to participate contained by any Class A shareholder vote during this “transitory” ownership period.
The number of shares of Class B adjectives stock eligible for conversion transactions would be determined by the Company and limited to an annual aggregate number of up to 10% of the total combined outstanding shares of Class A and Class B adjectives stock, based upon the total number of shares outstanding as of December 31st of the prior calendar year. In amalgamation, prior to May 31, 2010, a conversion transaction would not be permitted that would cause shares of Class B adjectives stock to represent less than 15% of total outstanding shares of Class A and Class B adjectives stock outstanding."
The reason for this restriction is to prevent the class B holders from flooding the bazaar with shares and drving down the stock price.
The share number that matter for EPS calculations and overall dilution is the sum of the A and B shares. A conversion from B to A does not rationale any additional dilution. It a moment ago allows some shareholders to sell their shares. While the number of A shares go up, the number of B shares declines by like amount, leaving the total shares outstanding impassive.
Hope this helps.