Rate of return.?
Question:
I have six different investments pooled into one information. I want to know how to figure out what the rate of return is over the life span of my investment.
I have the following rates of return on respectively: 4.7%, 15.3%, (19)%, 60%,94.7% and 39.6% during the life of investment. How do I find amount what the average rate of return is? My statements do not have that information scheduled and when I called customer service they told me that I would enjoy to do it manually but couldn't tell me how to do it!
Thanks within advance for taking the time to sustain me with this sound out.
Answer:
Do a weighted average. You need to multiply the % of respectively investment times the return, then give them all together.
You should multiply a weighted average as mentioned in a previous answer but that will present you a weighted average return and you want a time weighted average return. Before calculating the weighted average take the return of respectively investment and divide it by the number of months that you have owned it. This will furnish you an average monthly return. Then multiply it by 12 for an average annual return. Take these average annual returns and multiply them by their respective weights within the portfolio. Now you hold the time weighted average return and it has be annualized.
The rates of return aren't going to help you, because the weights make over as the different funds perform differently. What you call for is the beginning total amount of money and your closing moments total amount. As long as you haven't added any money or taken any out, the math is pretty easy. The total return over the natural life is (ending value/beginning value)-1. If you have added or subtracted money, it get trickier because you will have to figure a rate of return from one cash addition/withdrawal to the subsequent and then intertwine them together.
By way of example, assume that you started near $100 on January 1. On June 1 your portfolio was worth $110, and you added $50, and next on September 1, your portfolio was worth $140 and you took out $50 and after on December 31 your portfolio was worth $100 again. It would look approaching a zero return, but because of the timing of currency flows what you get is:
Return Jan 1 - June 1 = (110/100)-1 = 10%
Return June 1 - September 1 = [140/(110+50)]-1 = -13%
Return September 1 - December 31 = [100/(140-50)]-1 = 11%
So to string them together you grasp [(1+10%) * (1-13%) *(1+11%)]-1 = 6% return.
It's a kind of booklet process, but that's the formula. If you have more than a year, you will probably want to annualize the returns too. That step is to supply 1 to your return and then incline it to the 1/number of years and then subtract the 1. In the example above, if that have been over two years, the formula would look close to:
[1.06^(1/2)]-1=2.96%
Hope that helps
I own Fidelity 401k retirement narrative...what should I invest surrounded by?
Question:
31 years to retirement, 200% match up to 5% of earnings.
What is the best way to retire well-heeled?
Answer:
I'm in indistinguishable boat you are...my 401k isn't with Fidelity, but here's how I currently split my 401k holdings:
14% contained by S&P Index fund
21% in International Growth/Value/Emerging market funds
15% in Small Cap Index fund
10% contained by MidCap Index fund
17% in REITs
10% within Growth Fund (US Stocks - this can get tricky since these stocks can show up surrounded by the S&P funds)
8% in Large Value Stock Fund
5% surrounded by a Bond Index Fund
This will let you ride the ups and downs of respectively type, but you'll have to adjust your holdings...probably on a twelve-monthly basis.
gold ingots
anything to do with WAR because the u.s.a. is going to stir to war next to EVERYONE!!
IBM. any company that has funds to build super computer for the goverment will be financial stable for a long time to come... they also build the processor surrounded by the Sony PS3 , Xbox 360 and Nintnedo wii so they are quite busy building processors and that should bring within incredible earnings for the subsequent 5 years on consoles.
I like KBR. This is a alien stock, but not a new business. They be part of Haliburton and have just spun rotten. This is one stock you have to own. It's moving nifty. For complete analysis, see http://ibooyah.com
Mutal Funds is the first answer.
Look for things in your portfolio that you use everyday.
Do you use Clorox ? attain a mutual fund with clorox.
Do you shave? buy gilette
These, along next to AT&T and IBM, are considered blue chips.
These are the safest bet these days.
overseas stocks.
you already enjoy the 401k, so why are you questioning what you should invest contained by.
Go aggressive a possible at this point. The closer you get to retirement, the more conservative you shift. I would a least stir for something like an S&P500 index fund. This year the souk will have a gain of roughly speaking 14%. Check the web for suggested 401K mixes base on years to retirement. Good luck.
The limit is $15,000 for 2006 for the 401(k). Assuming you take home 75k, 5% is $3750 as far as what will be matched. If you have another $10,000 to invest for the year, pump it into a VUL (Variable Universal Life) policy (as long as you can gain standard or better rates) so you can use tax free money even up to that time you retire, letting you save more next too, hence more wealth, and besides that you will own at least slice of your estate planning done. Invest in small panama value if Black Rock is astern the fund (for now). 31 yrs is a lot of time to double your money over and over again. So what is your definition of "wealthy"? There are some nouns ideas within the book "The Millionare Next Door" by Thomas Stanley. It has some correct definitions of "wealthy" which is really a state you are surrounded by far before retirement.
chinese mutual funds
These folks unmistakably have no model what they are talking nearly, telling you to invest surrounded by single stocks LOL. You have a 401k which is holding mutual funds DUH !
Simply Mix the batch up. International, Large Cap,
Real estate Fund, Small and Midcaps, This way you enjoy all angles covered. Youll be pretty powerfully off contained by 30 yrs.
merry x mas
Fidelity Diversified International Fund
Fidelity also has a fresh one called "New Insights" its progressing extraordinarily well.
I significantly suggest investing in gold ingots, silver and copper in any form... bullion, miners, minters etc...
I own been contained by this industry for 15 years working with fortune 500 companies. Most plan sponsors demarcate the number of mutual funds offered in the plan. If they own a good fund chain up then adjectives asset classes will be covered to allow you the ability to diversify your portofolio.
Stocks are not typically offered surrounded by the majority of 401(k) plans unless:
1. The employer has company stock that is to say actively traded and is offered as an investment option. If so the company similar contributions most likely are made within stock. The plan will either place the stock as restricted or unstricted. Meaning once the game has be allocated to your account, next you will either be allowed to verbs all or a portion of the stock into the other Fidelity Funds. If the employer resticts the stock you will be predetermined to a certain percentage to move into other Fidelity Funds or none of it as it must remain within company stock. More employers are placing smaller amount resrictions on company stock since ENRON & Worldcom employees be shafted.
2. The other way to purchase stock is if your employer allows what is call "broker-window" availibility. This means you could set up a discount brokerage article and purchase anything on the open open market with some restrictions. Most employer that offer this place guidelines on how much is available to be invested surrounded by the broker window preference ( I see 50% being used for alot of plans).
Lastly Fidelity is a HUGE provider within the 401(k) industry. Most likey you have access to educations specialist, online tools for assets allocation, or possibly even financial engines that will run a comprehensive model custom tailored for your situation.See link below.
You enjoy along to invest and most likey will find you are more aggressive with investing than elder employees.
choices are aplenty when it comes to investing... one such is currency trading and available within 24 hrs a day... within are also many systems available contained by the market to provide tips as very well but do observe their jargon and conditions.. take a look at http://www.prosignal-forex.com/index.php... for example. hope this help!
what are the best us stocks?
Question:
Answer:
GOOG, RIMM and AAPL of Nasdaq
also HPQ on NYSE
Stocks that pay a dignified dividend
"Best" is a word that can mean profusely of different things. I think "best" money the one that will make the most money within the next year, if you buy it presently. I think Energy Conversion Devices, symbol ENER, is the best stock to buy. It make solar panels, and battery for hybrid cars. But the reason this is the best stock is because is have a new type of computer memory, call "phase-change" memory, that it is going to make the company greatly of money.
This link summarizes their business:
http://www.top10traders.com/viewpost.asp...
This is from http://www.top10traders.com - this is a free site that let you create a portfolio of stocks with $100,000 surrounded by "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks act compared to other investors.
Come on!
a term such as "best" a attorney would tear to shreds inside seconds!
Consider three investment objectives : Safety, Growth and Income.
Allocate a percentage to respectively category.
Next decide what your objectives and risk tolerance are base on age, income, net worth, matrimonial status and number of dependants.
Then, and only consequently, can you begin decide what US stocks are "best".
the tickers are , acas , vz , goog , ahr , sbux , cost Some good ones
Will the Sensex step Up or Down Today?
Question:
Answer:
the sensex is showing to going up till end of the year it may be touch 13800 but take care it can be fall down on any moment i m advise u to invest in mid boater shares for more tips stay in contact
jabir_vakil@yahoo.com
9979235759
for presently u should buy voltas script code 500575
and gayatri projects code 532767
hold them 4 2 months
no
It should progress down today. You can come to know of daily trend of indian stock marketplace here...
Down
TODAY 22ND DECEMBER 2006, possibility is less, and hit and miss is less for up or down. Let us see by today evening
down tgt nifty 3816
pl call round my blog
NOBODY KNOWS WHAT WILL HAPPEN TODAYS?
stock on home depot from november 10 -december 21 of 2006?
Question:
Answer:
It went largely from in the order of 36 (35.64 close on 11/10) to 40 (39.92 on 12/06) to 38 (38.70 on 12/12) to 40 (39.96 on 12/18) and back down to the upper 38 (39.13 on 12/20, but 39.30 at close of 12/21) info. The general trend is up.
stock marketing ?
Question:
wat does each note in NASDAQ show like respectively of the letters wat does respectively one mean entail help plzz
Answer:
NASDAQ (originally an acronym for National Association of Securities Dealers Automated Quotations system) is an American electronic stock exchange. It be founded in 1971 by the National Association of Securities Dealers (NASD), who divested it within a series of sales contained by 2000 and 2001. It is owned and operated by The Nasdaq Stock Market, Inc. (NASDAQ: NDAQ) the stock of which be listed on its own stock exchange surrounded by 2002. NASDAQ is the largest electronic screen-based equity securities market surrounded by the United States. With approximately 3,200 companies, it lists more companies and, on average, trades more shares per time than any other U.S. market.
Will the Sensex turn Up or Down?
Question:
Answer:
The bull run in the which started within BJP's Shining India is still going on. The present Government has inferior very weakly in finishing of the economic policies. They are presenting an ILLUSION and our wonderful Finance minister P.Chidambaram is a BIG Flop and every one close to me is cursing him every day for the taxes and increase of cost of living. He is not sufficiently expert to hold the price line. Government also want to encase the maximum when the souk boom is on. They want to sell adjectives their holding in MARUTI right now before the souk fall.
Now my belief is the market may sustain for some more time but it should burst close to a balloon anytime and all will be putting their foot on head and sit. I am not involved contained by politics and I am not an anti Government man, but I have told this beside various trends I enjoy noticed. Please exercises caution-
maybe it will go sideways
Sensex will run up today.
The sensex will go up today.
If you are looking for an answer for a longterm time, for this year the sensex would remain rangebound hovering around 13500 maximum, over the subsequent 3 yrs we should be able to see over 20% growth
I Think UP till mid Feb'07 & it will shift down because of the budget ahead in pageant
Timing the market is not a devout idea. Any guesses at whether sensex will jump up or down is at best speculation. Try the following tips:
These five ways to make money aren't free, they do bring work, but they are also based on general principles that are available to everyone.
Most lists that you find on the internet for "how to kind money" are meant for general public looking for free money. Not this list. Instead, we're looking at the top 5 ways that physical people brand real money. The work isn't uncomplicated, but the principles are. So take heart. If you're predisposed to invest your time and money, you can make money these same ways.
1. Fill a obligation that no one else currently provides
My grandfather-in-law become a multi-millionaire by designing and customizing coal processing equipment unique to respectively mining location. When the business started, they were the one and only company in the country offering this service. By customizing coal processing equipment the company offered coal businesses the opportunity to optimize their profits. In exchange, my grandfather-in-law be able to charge a steep premium for the service that his company provided.
My wife's grandfather saw an vacant business niche and set his mind towards filling it. It took lots of complicated work, but that contributed to the success of his business: it wasn't flowing for competition to rise up.
2. Let someone else do the hard work
Don't want to start a business? You don't own to. If you see someone else filling a niche okay, you can invest your money in exchange for a share of the profits. Chances are that your investment return won't be as far-reaching, but if you see a company doing a great job at padding an otherwise unmet need, you can agree to them use your money to effectively make you more money. This, obviously, is called investing. The purpose investing works is because even companies need to spend money to receive money. So the aim is to lend your money to a company that you think will put your money to devout use, and turn it into profits.
A lot of people cogitate that investing is like sleight of hand. That somehow you just catch free money. The truth is that when you invest, you are putting your money to work...literally. Money begets productivity which begets more money.
3. Invest In Yourself: Get an education
It's true. One of the best ways to increase your long permanent status earnings potential is to specialize by getting adjectives. We live in an discount where the emergency is high but hte supply is low for importantly skilled individuals. Whether it is in technology, drug, science, business or engineering, your earnings will skyrocket near the right specialized skill.
Higher salaries breed a big difference. 30 years at $150,000 compared to 30 years at $50,000 is like darkness and day. It's the difference between five condos within five countries and zero condos surrounded by zero countries.
4. Do something that not a soul else is willing to do
This is similar to the first principle, simply here rather than need creativity to identify a niche, you just stipulation a willingness to do things that other those have a purpose to avoid. For example, you may need to work contained by high-risk situations or be willing to work extra long 12 hour days.
Some job that are very revolting still need to acquire done. When people step up to the plate and do these job, they get rewarded handsomely.
5. Get the hang down of buying low and selling high
Whether it's the stock souk or the real estate marketplace, some people only just have a knack for knowing the true worth of a big ticket item. When you can identify the true value of a property or stock, you can also own a good sense of when it is selling at a quibble (buy! buy! buy!) or when it is selling at a premium (sell! sell! deal in!).
Unfortunately, most people buy elevated and sell low and totally lose out on the opportunity that stocks and real estate provide. Getting the skills to identify the true importance of items doesn't come easily, but merely like everything, profoundly of practice goes a long bearing.
Down.
DOWN
Nifty tgt - 3816/ 3790
the current trend is volatile and bearish
DOWN, but UP about once or twice a week
What company should I use for online nest egg, mutual funds?
Question:
This is kind of a two cut question. First, what are the best places to undo an online savings picture? I know about INGdirect, but they with the sole purpose offer 4.5%, and I've hear there are places that grant more than that. Anyone know of any?
Secondly, what's the best place to start with mutual funds. I'd resembling to start with those, and next work my way into stocks, but I'm looking for a place next to a low minimum, and decent rates.
Thanks!
Answer:
Vanguard is a virtuous funds company with terrifically low rates.
Scottrade is a good online broker (which you can use to buy the vanguard fund shares with).
I hold tried alot of the Mutual Fund companies. American Century, Invesco, etc. Right now the the one I am most impressed beside is Vanguard. They make it effortless to get contained by and they have some terrifically low loaded funds. Like the S&P 500 Fund. Hard to beat the S&P 500 for any of these glorious paid fund manager. Long term specifically. They also have a prime money bazaar account to be precise paying 5.25% in October 06. You can write fixed checks on it. So keep a local wall for your spending money. They also will do a brokerage service for you if you want. I have unfamiliar it. You can also set up your IRA's and Roth IRA's in it and if you enjoy enough deposites at Vanguard here is no fee.
Me and a buddy used to attain a newsletter that showed about 400 funds and to our surprise, the S&P index other beat a majority of them. Not a desperate place to start.
Remember the only party guaranteed to make money when you buy or put on the market, is the broker. It is in his best interest to enjoy you buy and sell. If you do not know what to do, do not pinch their advice, for sure!!
franklin templeton investments.
I want to online invest within stock, could you present me a reliable website address or some tips?
Question:
I don't have much money and I don't enjoy any experience.
Answer:
Fidelity, Vanguard, AmeritradeTDWaterhouse all hold good sites and investment information.
First of adjectives, I would suggest you read up on handling personal finance - in attendance may be better ways of using your money than putting it into stocks. For example - you should have an emergency fund set up (3 to 6 months living expenses), and money set aside for specified expenses (next car, etc.). Also read up on investing until that time you do anything - be prepared to invest for the long term - five years or more, earlier you expect to make money posterior.
If you want to learn something like investing and the stock market, I would suggest you study what the best investors are buying and selling. You can find this info at http://www.top10traders.com - this is a free site that let you create a portfolio of stocks with $100,000 within "play" money. Each day the site ranks the best performing portfolios, so you can see how your picks execute compared to other investors. You can also read posts on investing from the best traders, as well as share your own investing planning. There is also a charting feature , so you can see how your portfolio perform compared to the S&P 500.
Here are this month's best traders:
http://www.top10traders.com/top10standin...
Good luck.
First of all, dutiful for you for wanting to start investing.
The sooner you do, the faster, in the long-term, you will accomplish your goal in vivacity.
I started in indistinguishable position as you did 4 years ago, I'm now within my mid-twenties.
I started with around 1000$, enough that you strictness, not enough that you can seriously hurt yourself erudition how to manage a portfolio.
Depending on your age and your situation, don't verbs too much about a so-called "emergency fund" 3-6 months of income.
You could efficiently buy a conservative investment and sell it if you involve the money, right?
Check out TD Waterhouse. tdwaterhouse.ca
I've dealt next to them from the start and am very smug with the research tools they hold.
First off no website will distribute you enough information to trade perceptively. Its not a quick formula you pick up and set it and for carry it. Yahoo or G00GLE search for articles roughly speaking the "Efficient Market Hypothesis" .
If you believe totally in the guess then cram all you can something like index mutual funds and ETF's and buy the ones you like don't fritter away your time with stocks.
If you expect the theory is hog bath or only to a certain extent true, then you work is cut out for you. Do research on Warren Buffet and his mentor Benjamin Graham. These guys are the Ben Ken-obi and Master Yoda of nouns. If you listen to what they say you can switch on to formulate your own risk profiles towards investments and discover what a fair price is for any given stock.
If that wet your appetite take a stock investment class at a local university. Try out some of on queue stock market simulators or build a dummy portfolio on Yahoo and see how in good health you do before you throw adjectives your money into the ring.
Seen em all, SCOTTRADE hand down !
yup! best idea within your situation and your situation is fine...is to paper-trade with phony money and read Technical Analysis books, preferably the one by Edwards and Magee but read this one first:
http://www.amazon.com/rule-freakin-marke...
maybe by the time you own some money you'll have some reliable knowlege to not lose it.
Try www.fool.com. They own a free discussion of how to start.
choices are aplenty when it comes to investing... one such is currency trading and available in 24 hrs a year... there are also copious systems available in the souk to provide tips as well but do consider their terms and conditions.. give somebody a lift a look at http://www.prosignal-forex.com/index.php... for example. hope this helps!
i-flex shares are trading cheaper than the Oracle buyback price. The futures are even cheaper than spot. Why ?
Question:
There is a lot of confusing report about i-flex solutions stock. Oracle offered Rs. 2100 per share but the souk fell to 1750 defying logic. Additionally the futures are trading even cheaper than spot further defy logic. The only route I can stitch a consistent story, based on what I see on the internet is:
1) First logic is that selling through stock exchange is levy advantageous compared to tendering shares to Oracle. This is bizzare. But if this is true, it explains why spot is at a discount to tender price. PErhaps not a soul wants to risk the reimbursement from the taxman.
2) Second logic is that once Oracle acquires 90% controling stake, it can bully the remaining 10% minority shareholders. This bullying can for instance be within the form of giving preferential allocations to itself for further shares or call option, while not offering the same to minority shareholderss (thus diluting them).
If this is true, this is even more bizzare. Is in attendance no protection for minority shareholders ?
Answer:
Two reasons.
(1) Risk that the accord may not go through. Then i-flex will shift a lot lower.
(2) Time appeal if money. It could be a long while before the traffic completes and you get your $21.
This is a big difference so a generous part of it must be the risk factor.
Looks approaching the price got crushed today. The Oracle set aside expires December 23. India is on a two day settlement cycle, substance it takes two business days formerly shares you buy are transfered into your name. If you bought shares today, you wouldn't own title to them until Monday, December 25. Which is too late to tender them to Oracle. I presume the market places a lower meaning on I-Flex than Oracle does. The higher price be due to people expecting to know how to sell to Oracle. Without that incentive, it looks approaching the market is reverting to the prior valuation.
Proven Forex Trading Strategy?
Question:
Is this a proven forex trading strategy?
Been searching for one that can be paid me some real money.
http://www.ebooksos.com/forex3.php...
Answer:
Wow don't EVER buy from a site that looks resembling an overdone EBay page. Also, there are SCRIPTS on that page - don't budge there. I'm gonna run check my registry sheesh... look up a poster named "4XTrader" - that's the best info source I've found here. One tip he give was (if I remember right) to grasp a PhD in statistics...
www.4xgenie.com is pretty proven capably , for me it is - important is I'm making profit. use MSMS555 code when signing up to procure a free trial . you ll be suprise how simple it is.
What does ETF tight within stock trading?
Question:
Answer:
What they said. Essentially the ability to trade a pool of securities, fairly than say a single stock. Example person buying a pharmaceutical ETF with a pool of pharmaceutical companies, fairly than just buying Merck.
Exchange Traded Fund
Exchange-traded fund.
An ETF is an exchange-traded fund, which is essentially a portfolio of securities that trades as one stock. ETFs seize alot of press because their expense ratio (the amount of money the manager is paid) is lower than next to most mutual funds and ETFs allow an investor to instantly diversify with one and only one appropriate stock selection. There are ETFs for adjectives sorts of purposes from the very broad (SPY for the entire S&P 500 or DIA for the Dow Jones Industrial 30) to country specific (EWY for South Korea or EWJ for Japan) to commodity or sector base (USO for oil, XBI for biotech).
Hope this help.
http://www.valuestockreports.com...
I suggest that you visit SGX website and enroll for their ETF "FREE" Seminars. Their aim is to better educate the broad public the various ETF scheduled on the SGX. You can buy and sell ETF approaching Stocks and Shares and some even pay dividends. Hear from the Horses mouth.
what are the procedures of conversion of convertible cumulative nouns shares into eqity shares?
Question:
Answer:
1) If you have a broker, he can do it for you.
2) Without a broker the company will do it for you but that will run more time.
3) Try to talk/communicate on-line with Investor Relations dept. Or nickname them (800 number) to get specific info. That really is their mission and they should be glad to help you.
4) If you transport shares through the mail, generate certain that it is registered post.
What determines how a stock price rises or falls?
Question:
Dealer at the exchange when more shares are in emergency than available for share? Company decides? Company buys subsidise shares?
Answer:
Supply and Demand.
If the Company buys back shares next obviously the stock price will travel up.
Market forces determines if the price rises or falls. In other words, if the next guy contained by line to buy the stock is inclined to pay more than the ultimate buyer did, the price will rise. If the next guy is ready to pay smaller amount, and you (or any other seller) is willing to go at the lower price, the price drops. Company does not decide the trade price. If they consider the shares are undervalued, and at hand is no better investment for their extra cash, they can buy hindmost their own shares, increasing the earnings per share available. This have an indirect effect on prices of making the stock appear to be more worthwhile to the mass of investors and they maybe ready to pay more for respectively share.
based on incoming investments&economic growth of the country
The price of stock will rise the more expensive the stock is. Stock is a claim in the corporation. So if the corporation is doing ably the stock price will go up. When it does not be in motion well the price falls.
The stock price is determined by the souk (people). Back to basics surrounded by supply and demand. The smaller amount the supply, the higher the constraint, in which crust the stock price will rise. But if the market dislikes the stock, they will try to procure their money back ASAP by selling at a cheaper price. In effect influencing other to retailer their stock at a cheaper price.
What is the "January effect" surrounded by relation to the stock open market?
Question:
Answer:
The January effect is an old bazaar timing stratgey that doesn't seem to work anymore.
The route it worked is this:
Investors with a great deal of gains would start selling their losers contained by December to reduce their taxable gain. This would give them a hoard of currency that could be put back into the open market in January.
All this money comming rear legs into the market, tend to make stocks rise.
There is still greatly of tax selling surrounded by december, which may account for some of the recent decline, but there doesn't come across to be a mass re-entry in January anymore. There hold been deeply of theories about why this is, but nobody know for sure.
The January effect is a theory that suggests that if stocks rise within January, it will be a good year contained by general for the stock marketplace. On the other hand, if stocks go down in January, the per annum trend will be a bad one.
There is no frozen (scientific) evidence that this theory is true.