Archive | Investing

How TIPS and Series I Savings Bonds Can Form a Powerful Tool to Combat Inflation and Provide Capital Preservation

For the very conservative investor who needs to combine both capital preservation and some protection against inflation, there are two securities that are superior to nearly all others in virtually every major respect: TIPS and Series I Savings Bonds.  They may sound boring at first, but used in conjunction for the right type of investor, they are the perfect tool for the job.  Here is an explanation of the reasons …

Source: About.com

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Selecting Assets for Your Capital Preservation Portfolio

Have you ever wondered which types of assets or accounts are appropriate for a capital preservation portfolio?  If you are a new investor, that’s normal.  It can seem confusing in the beginning.  This overview breaks down some of the different options you might consider based on the time horizon during which you think you might need the funds …

Source: About.com

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4 Keys to Intelligent Capital Preservation for Your Personal Portfolio

Checklists can be a useful tool.  For those of you with funds that you can’t afford to risk, this four-part rundown was designed to help you avoid major errors when putting aside money today that you will need in the future.  Take a few minutes to read and print it …

Source: About.com

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An Intro to Capital Preservation for New Investors

You may have heard the term capital preservation thrown around but not really understand what it means or the type of investments it entails.  For the new investors out there who want to understand what all of the checkmarks on the brokerage account application mean (that should be all of you), take a few minutes to learn what capital preservation is, what it seeks to achieve, what securities should be avoided, and some of the things that might make your list of potential holdings when opting for it …

Source: About.com

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The 5 Major Types of Stock Investing Strategies for Value Investors

For those who don’t take the low-cost index fund investment approach coupled with dividend reinvestment and dollar cost averaging (which, in my opinion, should be at least 90% or more of all investors), the father of value investing, Benjamin Graham, identified five types of stock investing strategies that could be used to make money from a portfolio.  As a beginner, a quick introduction to each of the five areas of discipline can help you decide which philosophy or technique fits with your personality, and help you avoid those that make you uncomfortable.  Take a moment to look at the list …

Source: About.com

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Your Temperament Matters More Than Your Grades or IQ When it Comes to Investing Success

When it comes to good portfolio management strategy, there is very little correlation between intellect and compounding return.  What is needed is discipline, diligence, tenacity, and focus.  Here are a few of the rules that can help ordinary people do marvelous things with their money over long periods of time …

Source: About.com

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How Deferred Capital Gains Taxes Can Increase Your Returns

There is an interesting mathematical phenomenon that occurs due to the way investment capital gains are taxed in the United States.  In some situations, for investors who have profitable long-term holdings that have appreciated significantly over the years, it can actually be a bad idea to sell the asset when it becomes overvalued and swap into an undervalued security or property.  Seem counter intuitive?  It has to do with the economic effect caused by holding what amounts to an interest-free loan from the government.  To make sense of it, here are a couple of hypothetical scenarios that will illustrate the concept …

Source: About.com

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Things To Remember About Making Money When the Financial World Falls Into Crisis

It has been said that most fortunes are built during a crisis of some sort.  It is true that a stock market crash or recession offers significant opportunity to those who are looking for it and have prepared themselves to be ready for such a moment.  Here are a few things to help you remember how to keep your head about you during a panic or meltdown …

Source: About.com

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Savings Bonds Have Advantages Corporate Bonds and Municipal Bonds Don’t

In the classic 1949 edition of The Intelligent Investor, famed investing legend Benjamin Graham talks about the enormous advantages of using U.S. savings bonds as the primary foundation of the typical investor’s fixed income portfolio.  Unlike other bonds, they don’t fluctuate in value with interest rates, removing duration risk; they have certain tax advantages; they can be redeemed in thousands of locations with only a small penalty during the first five years of ownership and no penalty thereafter; they are registered so you can still get your money back even if you lose the bond certificate; they don’t have any commissions or fees; the list of benefits goes on and is fairly long.

Today, however, savings bonds, while still structurally superior to regular corporate and municipal bonds for the small investor, offer terrible future returns due to the interest rates that are actually negative once you’ve factored in taxes and inflation.  Nevertheless, it is important you take time to study these investments and how they work so you can at least have the information in the back of your head, allowing you to take advantage of rates when they rise (which they inevitably do).  The day will come when they are once again attractive and should be given priority in your holdings.

To get started, read The Beginner’s Guide to Buying and Owning U.S. Savings Bonds …

Source: About.com

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A Quick Overview of the Fed Funds Rate

If you have ever wondered what the Fed Funds Rate is or why you hear about it on the news, take a few minutes to educate yourself so you never have to be curious about it again … Source: About.com

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