When does Bernaci (the fed guy) talk again?
Answers: His name is Ben Bernanke and he will speak again on Jan. 30 when he is expected to announce a rate cut.
He talked today and promised a aggressive approach in fighting recession. Market took it as an indication of large rate cut (0.5%) later this month, and major indexes rose quite a bit after his speech.
What are good stock investments?
Answers: no no no. over 80% of mutual funds underperform the market each year. THE BEST mutual funds provide SMALL, long-term gains. Your money should be in a diverse group of stocks right now. At this point in time, you want to look at emerging market stocks, chinese stocks, energy and agriculture. Tech is also a huge play. look into Altria (MO), Proctor and gamble, Intel, Cisco, sun cor(SU), coca cola, mcdonalds, mastercard. do your research
Investing in any single stock is a bad idea. How would anyone know what it will do? How can you diversify and insulate yourself from risk?
Instead, invest in quality mutual funds with long-term proven track record. To get the best results, invest a set amount regularly and take advantage of dollar-cost-averaging.
Don't gamble; take all your savings and buy some good stock and hold it till it goes up, then sell it. If it don't go up, don't buy it.
-- Will Rogers
Agree that for small amounts and over periods of time, at least a core of mutual funds.
Good stocks;
Meet your risk tolerance
Fit nicely into your "Asset Allocation"
Are appropriate for you.
Are sized proportionately to your portfolio
Have a decent possibility of meeting your "time horizon".
Standard investment advice is that you should invest in a diversified mix of stocks, bonds, and money market funds. You want to buy a diversified portfolio of stocks as individual stocks are too risky. Most folks have a dificult time buying a properly balanced portfolio of stocks on their own. They will misbalance their portfolio by buying all small stocks or all growth stocks, or some other misbalanced assortment of stocks. Unless you know what you are doing, it is best to buy mutual funds. I like Vanguard.com, other people like Fidelity, TIAA-CREF, and DFA. Buy no-load, low -expense funds. If you are like most people you will invest part of your money aggressively in stock funds, and part conservatively in money market funds and bond funds. Vanguard has an on-line questionnaire which will give you an idea of how to do "Asset Allocation," determining how much to put in each type of fund.
If your company offers a 401K plan at work, try to invest the most you can. The money grows tax free, and some companies will match your contribution. Investing in a mutual fund IRA is also a good idea. If you have children, you may want to consider a 529 plan or other college savings plan that grows tax free.
I like index funds. Because of their broad diversification, you are less likely to have a dramatic drop in value. They also have the lowest expenses. For stock funds, I would suggest putting ~70-80% of your money in the Vanguard Total Stock Market Index Fund. and ~20-30% in a foreign stock index fund. However, there are many different opinions out there on what the best mutual funds are. Read the links below and form your own opinion.
If you have high-interest debt, like credit cards, it is best to pay this off first before trying most of the investment ideas above. You should also have 3-6 months of salary saved up as an emergency fund in a bank or money market fund before trying more risky investments.
Believing advice you get on runeye.com can be risky, so read these websites for further information. If you find it too confusing, contact a professional financial advisor. They will charge you significant commissions, however.
Sources:
http://www.vanguard.com/VGApp/hnw/planni...
http://www.fool.com/school.htm
http://sec.gov/investor/pubs/assetalloca...
http://www.diehards.org/readsites.htm
http://finance.yahoo.com/education/begin...
http://finance.yahoo.com/funds/basics
Asset Allocation Calculators
(Determining how much to put in stocks and how much into bonds and money markets is a personal decision depending on your financial status. These Asset Allocation questionaires give you a rough idea how to do this. I like Vanguard best, but try some of the other sites as well.)
https://personal.vanguard.com/VGApp/hnw/...
https://ais2.tiaa-cref.org/cgi-bin/WebOb...
http://www.ifa.com/SurveyNET/index.aspx
Web forum: http://www.diehards.org/
(Many investment web forums are overrun by scam artists. This one seems the most legitimate site.)
529 plans: http://www.savingforcollege.com
How frequent mutual funds should i invest within?
incase any of you saw my last examine in this category stocks and mutual funds are differentAnswers: Really, you singular need two mutual funds. Consider this Margaritaville portfolio made 13% within 2007:
50% Vanguard Inflation-Protected Securities
50% Vanguard Total International Stock Index VGTSX
Vanguard has the lowest fees. The first fund allows you to weather a 1970s environment resembling we have today. The second fund will outperform the US marketplace as the boom days for the US are over (for the next 10 years) relative to the rest of the world.
Depends on how much money you enjoy.
Seriously, if you only enjoy $5k to invest, you're better off getting a single "lifestyle" mutual fund, which will stability stocks, bonds, and cash instruments for you.
If you own enough money to diversify, you could own a mutual fund in immense cap growth, huge cap meaning, a mid cap blend, a small sou`wester blend, and a foreign exposure fund - that gives you some coverage surrounded by all of the trunk financial arenas.
The answer depends on your holdings & age.
Index funds, Overseas, small cap, and some surrounded by balanced or bond funds...
if you are trying for diversity........sometime... one is ample......get a book call modern portfolio theory....
Great Question! Your mutual fund portfolio should consist of the following 5 category. Large Cap Value, Large Cap Growth, Small Cap Value, Small Cap Growth and International. I keep the percentage at about 20% respectively and I do not believe in owning bond funds at adjectives. Please read my profile and send me an email if you would similar to to chat with me more something like this.
There is no right answer. You have to go-between based on your situation.
Mutual funds tend to follow the bazaar, and have extra "managment" and other fees.
You can truly have smaller quantity risk by by investing in stocks than mutual funds, since in attendance are no management fees near investing in stocks.
The risk cut with mutuals, is beside diversification.
But if you are going to invest in mutual funds, you should enjoy at least 2 at odds funds, one that goes tend to go up when the other tend to go down.
You puchase the funds on dollar cost averaging, to minimize risk.
One one go way up, and the other go way down, you market the fund that goes channel up, and buy the fund that went course down.
I always reinvest the dividends and assets gains distributions, and walk by the dollar value of the total to determine which fund is up or down, because a fund other drops in share meaning when there is a dividend or means gains payout.
as abundant as you can afford.