Podcasts about exchange traded fund etf

Investors can leverage ten distinct Exchange-Traded Fund (ETF) investment strategies to diversify their portfolios, optimize returns, and manage risk across different market conditions. Today's Stocks & Topics: MSTY - YieldMax MSTR Option Income Strategy ETF, Market Wrap, EPRT - Essential Properties Realty Trust Inc., CVNA - Carvana Co. Cl A, 10 ETF Investment Strategies (and How They Work), HEES - H&E Equipment Services Inc., EW - Edwards Lifesciences Corp., Two Major Risks Entering 2025, SCHP - Schwab U.S. TIPs ETF, SPLG - SPDR Portfolio S&P 500 ETF, SBLK - Star Bulk Carriers Corp.Our Sponsors:* Check out Fabric: https://fabric.com/INVESTTALK* Check out Indochino: https://indochino.com/INVEST* Check out Kinsta: https://kinsta.com* Check out ShipStation: https://shipstation.com/INVEST* Check out Trust & Will: https://trustandwill.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

Aset kripto "bullish" abis sepanjang 2024. Soalnya banyak momen menarik, salah satunya Bitcoin halving di April, yang bikin harganya langsung melonjak signifikan. Tren positif ini berlanjut terus sampai beberapa kali pecah rekor All Time High (ATH). Produk investasi berbasis kripto seperti Exchange-Traded Fund (ETF), juga mulai banyak peminatnya lho. Lalu gimana ya prospek aset kripto di 2025? Bakal terus moncer gak nih? Dengerin yuk obrolan Puri Anindita bareng CEO Coinfolks Muhammad Adriansa di Uang Bicara episode Aset Kripto Tetap Membara di 2025? Simak podcastnya di KBR Prime, Spotify, Noice, dan platform mendengarkan podcast lainnya.

There's a great investing option out there, and chances are, it's not in your portfolio.That option is Exchange-Traded Funds or ETFs, and they're worth considering. Brian Mumbert joins us today to discuss the advantages of ETFs.Brian Mumbert is Vice President and Regional Sales Executive at Timothy Plan, an underwriter of Faith & Finance.What is an ETF?An Exchange-Traded Fund (ETF) is an investment option similar to a mutual fund but with distinct features. ETFs typically follow an index, such as the S&P 500 or NASDAQ, and are not actively managed. This means that an ETF holds a broad mix of investments, providing diversification that tracks the chosen index. One key advantage is that ETFs, like stocks, can be traded throughout the day, allowing investors to buy or sell at the current market price.How Do ETFs Differ from Mutual Funds?Unlike mutual funds, where the exact purchase price isn't known until the end of the trading day, ETFs offer real-time pricing. This flexibility allows investors to trade whenever they choose during market hours. Additionally, mutual funds may pass on capital gains taxes to investors due to asset sales by fund managers, but ETFs generally avoid this by trading “baskets” of stocks, potentially reducing tax liability.Transparency and Tax AdvantagesETFs offer high transparency, with daily disclosures of their holdings. This transparency is a significant benefit for investors who prioritize clarity in where their money goes. Tax advantages are another key feature; ETFs often avoid capital gains taxes, which can be passed on to mutual fund holders, especially during high turnover periods.Faith-Based Screening for ETFsTimothy Plan applies the same rigorous faith-based screening to its ETFs as it does to its mutual funds. These screenings filter out companies that conflict with Christian values. While ETFs are passively managed, which can mean a slight delay in removing non-compliant holdings, Timothy Plan flags them for removal to ensure alignment with their mission. This gives investors peace of mind, knowing their ETF investments are held to the same ethical standards as other Timothy Plan products.Lower Cost, Greater AccessibilityETFs offer a lower expense ratio than some mutual funds for investors looking for a cost-effective entry into faith-based investing. This affordability can make ETFs an attractive option for individuals who may be deterred by higher fees and a practical choice for adding diversified exposure to one's portfolio.Visit TimothyPlan.com for more details on Timothy Plan's offerings, including faith-based ETFs and mutual funds. With over 30 years of experience, Timothy Plan provides a reliable option for investors who want to align their finances with their faith.On Today's Program, Rob Answers Listener Questions:I'm 60 years old and want to retire early at 62. Before I do that, I'd like to pay off my house. Is that advisable?My son has started a new sales outside sales position and will receive a base salary. How can I advise him on how to begin a budget and maintain it when you have commission as your primary source of income?I was wanting to find out about a book you mentioned. I think it was for widows for budgeting who may not know how to do that, per se. What is the title of that book?We're revising our wills and deciding how much to give to our heirs and charity. What counsel do you have on how to make that decision?Resources Mentioned:Timothy PlanWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD.Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron BlueLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The plain vanilla Exchange Traded Fund (ETF) turned the Australian funds management sector on its head. Now, the whole scene is changing again with everything from Bitcoin funds to leveraged products.  In today's show we cover: Everything you need to know about traditional ETFs The pros and cons of index-based funds Why ETFs don't work every time Dividends and CGT - how it works for ETF investors  ETF expert Kanish Chugh joins wealth editor James Kirby in this episode  See omnystudio.com/listener for privacy information.

Proactive's Billy Farrington provides an update on Bitcoin's performance over the past week. The crypto currency experienced a volatile week, marked by a significant drop from last week's all-time high above $73,000 to approximately $64,800, resulting in a roughly 6% decrease week on week. The decline was attributed to profit-taking and selling pressure following the all-time highs. Despite this downturn, Bitcoin saw a strong recovery mid-week, spurred by dovish comments from the Federal Reserve and optimism for potential rate cuts by year-end, which positively impacted high-risk assets like Bitcoin. Additionally, there has been a noticeable cooldown in the Exchange-Traded Fund (ETF) market, with approximately $800 million in cash outflows from Bitcoin ETFs over the past four days. This trend reversal follows a period of strong cash inflows since the approval of 10 Bitcoin ETFs on January 10. The outflows, particularly from Grayscale's Bitcoin Trust, have contributed to bearish sentiment in the market. In other news, the sentencing of Sam Bankman-Fried, former CEO of FTX, is imminent. Bankman-Fried was found guilty of fraud and market manipulation and faces a potential lengthy prison sentence. The defense and prosecution have engaged in a war of words over the appropriate sentencing, with the defense suggesting a 6.5-year sentence and prosecutors aiming for a much harsher penalty to set an example. #bitcoinmarketupdate #CryptoVolatility #FederalReserve #BitcoinETF #SamBankmanFried #FTX #CryptoNews #MarketSentiment #Cryptocurrency #InvestmentTrends #ProactiveInvestors #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

Host Justin Zacks is joined by Sandy Kaul and David Mann from global asset manager Franklin Templeton to discuss the new SEC-approved Bitcoin Exchange-Traded Funds (ETFs). Tune in to hear about the mechanics, benefits, and risks of Bitcoin ETFs. Learn how Blockchain works, how Bitcoin is held in ETFs, and the importance of reading up on Bitcoin ETF disclosure statements. Whether you're a seasoned investor or new to the crypto space, this episode provides valuable insights into this exciting development in the financial world. Important Information: Before investing, Investors should consider the investment objectives, risks, and charges and expenses of any Exchange-Traded Fund (ETF). The current prospectus and, if available, the summary prospectus, contain this and other information about the ETF. You can find prospectuses on the websites of the financial firms that sponsor the ETF, as well as through your broker. Please read it carefully before investing. A Word About Risk: Cryptocurrency ETFs are speculative and involve a high degree of risk. An investor may lose all or substantially all of an investment in the Fund. Bitcoin has historically exhibited high price volatility relative to more traditional asset classes, which may be due to speculation regarding potential future appreciation in value among other factors. The performance of these ETFs should follow bitcoin prices closely, minus fees and the fund's trading costs. Disclaimer: The opinions expressed are those of the host and any guest speaker, and not necessarily those of Moomoo Technologies Inc. or its affiliates. The podcast is provided for informational and educational purposes and is not a recommendation or endorsement of any particular investment or investment strategy that may be mentioned or covered in the pod. All investments involve risk and the loss of principal is possible. Moomoo is not affiliated with any outside guests or their companies. Information provided in this podcast is general in nature and may not be appropriate for all investors. The moomoo app is an online trading platform offered by Moomoo Technologies Inc. Securities, brokerage products and related services available through the moomoo app are offered by Moomoo Financial Inc., a member FINRA/SIPC. The Information contained on this podcast Is general in nature and has been prepared without any consideration to the listener's investment objectives, financial situations or needs. Listeners should consider the appropriateness of the information having regard to their personal circumstances before making any investment decisions. Furthermore, there is no guarantee that any statements, estimates, price targets, opinions or forecasts provided herein will prove to be correct. Past performance is no guarantee of future results. When short selling there is no limit on how high a stock price could rise so the potential loss is unlimited. Other risks include dividend risk and margin risk, this strategy is not appropriate for all investors.

In this special follow-up episode of In With the New, Avril speaks with Elysabeth Alfano to get practical tips and advice for impact investing.   Elysabeth discusses her company, VegTech Invest, and its unique Exchange-Traded Fund (ETF) that allows anyone to invest in plant-based innovation and why this is a better option for most people.    Learn more here, in the show notes.

Let's break down the jargon: starting with investor classifications.   Did you know that your level of wealth impacts how you can invest in the share market? In this episode, we hear from RMIT Associate Professor Chris Berg who thinks it's “deeply unethical” that retail investors (‘mum and dad' investors) don't have access to the kind of products that rich people do and so are shut out of some of the most lucrative and risky investments… but accountants say there's a good reason for that.   We also learn about the murky areas of ‘ethical' and ‘sustainable' investing and how it differs from ‘responsible' investing. If an Exchange Traded Fund (ETF) is labelled sustainable, is it irresponsible for it to have a large holding in a fossil fuel company? Is ESG reporting the best way to judge which companies are good to invest in?  Life and Shares is a four-part series that helps you understand the rules of the game so you can make informed decisions. This podcast is presented by The Ethics Centre, an independent not-for-profit that advocates for a more ethical society. Our work is made possible by donations including the generous support of Ecstra Foundation - helping to build the financial wellbeing of Australians.  

Hello everyone, it's Bill Thompson – T Bill. Some of the things covered on today's session include: Mutual Funds – Market Capitalization and Large Cap Mutual Funds. SAG-AFTRA actors strike is over. The new Marvels movie may be a flop.  Bitcoin back over $37,000 on potential approval of an Exchange Traded Fund (ETF). Earnings news on Disney, Virgin Galactic, and Krispy Kreme.

Bitcoin Spot ETF approval draws closer to reality. WisdomTree, one of the biggest Exchange Traded Fund (ETF) manager with $94 billion in assets, has become the world's first to add bitcoin to a commodity ETF. On this episode, we dive into the chances of a Bitcoin ETF by end of year.Guest: James Seyffart, CFA, CAIA ETF Research Analyst Bloomberg Intelligence00:00 intro00:43 Blackrock ETF02:53 ETF Marketing & Fees04:26 ETF Target Audience09:29 Bitcoin Inflows11:26 Advisors12:39 Grayscale Bitcoin14:23 End of Year Odds16:42 Marketing Bloodbath19:27 Vangaurd Gives Up21:37 Hong Kong Crypto24:15 SEC vs Crypto25:59 Bitcoin Dead?32:00 Coinbase Fees32:34 outro#Bitcoin #Crypto #bloomberg ~Bitcoin ETF Frenzy

It's all about the Exchange Traded Fund (ETF) on today's program.  We review diversified investment ideas in Artificial Intelligence, Healthcare, Energy, Consumer Staples, Utilities and Dividend Aristocrats.  We also hear from Bond King, Jeffery Gundlach, about his ideas on our current markets, and his favorite income ideas right now.

What could a physically backed Exchange Traded Fund (ETF) mean for digital assets? In this episode, Manuel Villegas, Next Generation Research Analyst, and Philipp Kraemer from the Digital Assets Advisory Team at Julius Baer, discuss the evolving dynamics in the digital assets space, specifically, the role of spot ETFs, a looming supply squeeze, and the regulators' next moves.

https://youtu.be/ox4J_1O8TOQ This podcast and video is for informational use only.  We are not making investment recommendations.  This is not an appropriate investment for everyone.  As with any investment, please read the prospectus and discuss it with your financial planner. Why Invest in Alternative Energy Alternative energy can be part of a diversified investment portfolio – but it should just be a small part. Energy and utilities make up about 9% of the S&P 500. If you already have a diversified portfolio with exposure to alternative energy, you may not want to over expose your position too much. The thought in investing in alternative energy companies is to invest and grow the investment with the growth of the alternative energy industry.  Which considering climate change, is a promising industry.  Although with the current administration, the industry may grow slowly. Your investment in alternative energy should not be thought of as supporting alternative energy.  The companies already received their money during the initial public offering.  If a companies stock is over-priced or under-priced, other investors will push it towards its fair market value with their decisions.  The market is very efficient. Investment Types Mutual Funds – a pool of money invested in securities such as stocks, bonds, money market instruments and other assets. The expense ratio of the percentage that is paid to the fund for commissions, administrative costs, compliance, advertising, management fees, etc. This percentage directly reduces your gains (or increases your losses).  Mutual funds, generally, have significantly larger expense ratios then ETFs. Exchange Traded Fund (ETF) – a fund that holds the asset it tracks. That asset may be stocks, bonds, gold or other commodities, or futures contracts. The expense ratio is generally lower than for mutual funds. Exchange Traded Note (ETN) – Like a bond. It's an unsecured debt note issued by an institution. Individual stocks – invest directly with a company Investment Options The following three tables show some investment options that are: ETFs, Mutual Funds, and Individual Stocks.  The tables show the name of the investment, ticker, category or industry, 1 year total return, annualized 5 year return, and the expense ratio. Table 1: Alternative Energy Exchange Traded Funds (ETF) NameTickerCategory – Industry1 Yr ReturnAnnlzd 5 Yr ReturnExpense RatioVanEck Vectors Global Alt Energy ETFGEXEnergy Sector-1.885.010.67iShares MSCI ACWI Low Carbon Target ETFCRBNUS Fund World Large Stock9.290.20iShares Global Clean Energy ETFICLNEnergy Sector1.691.960.47Invesco WilderHill Progressive Engy ETFPUWEnergy Sector0.72-1.001.05Invesco WilderHill Clean Energy ETFPBWEnergy Sector11.75-1.030.77Invesco Solar ETFTANEnergy Sector8.80-1.370.76Invesco Global Clean Energy ETFPBDEnergy Sector-0.594.070.75Invesco Cleantech™ ETFPZDEnergy Sector8.7610.640.68Global X YieldCo ETFYLCOUS Fund Utilities0.060.65First Trust NASDAQ® Cln Edge®StGidIfsETFGRIDEnergy Sector11.409.550.84First Trust NASDAQ® Cln Edge® GrnEngyETFQCLNEnergy Sector4.986.140.66First Trust Global Wind Energy ETFFANEnergy Sector0.7311.220.71iPath® Global Carbon ETNGRNUS Fund Commodities Energy264.2133.650.75 Table 2: Alternative Energy Mutual Funds NameTickerCategory – Industry1 Yr ReturnAnnlzd 5 Yr ReturnExpense RatioShelton Green AlphaNEXTXUS Fund Mid-Cap Growth-2.086.901.30New Alternatives ANALFXUS Fund World Small/Mid Stock-2.248.451.07Guinness Atkinson Alternative EnergyGAAEXUS Fund Foreign Small/Mid Value2.72-3.062.74Firsthand Alternative EnergyALTEXUS Fund Technology3.503.942.15Calvert Global Energy Solutions ACGAEXUS Fund World Small/Mid Stock2.201.281.94 Table 3: Alternative Energy Individual Stocks NameTickerCategory – Industry1 Yr ReturnAnnlzd 5 Yr ReturnExpense RatioTerraForm Power IncTERPUtilities – owns and operates solar and wind facilities5.

We'll admit…learning about funds can be a pretty complex conversation, but that's exactly why we have invited Tim Gottfredson, CFP®, on the show, to break this down into the simplest terms. In this episode, Tim shares his expertise about investing in funds and how you can do so while saving yourself the most amount of money possible. Tim discusses: How to limit broker fees and when you can expect them when investing in funds What an expense ratio is and how you can find the lowest ones What an Exchange Traded Fund (ETF) is and whether they are a viable investment for you Why more people are gearing towards ETFs in their portfolios And more Resources: The Financial Call: Guided Path 3-3 Your Guide To Understanding Bonds Connect With Capita Financial Network: info@capitamail.com tfc@capitamail.com (801) 566-5058 Capita Financial Network LinkedIn: Zaccary Call  LinkedIn: Laura Hadley LinkedIn: Capita Financial Network Facebook: Capita Financial Network Connect With Tim Gottfeedson: LinkedIn: Tim Gottfredson  

Die Deutschen investieren nur zögerlich in die Kapitalmärkte. Doch mit moderner Finanzberatung und leicht verständlichen Indexstrategien können Anleger*innen die Scheu vor Investments ablegen und Anlagefehler vermeiden.

In today's episode, I'm talking about the hidden cost of investing in individual stock vs investing in a basket of companies inside of an Exchange Traded Fund (ETF), Index Fund, or Mutual Fund. Namely, the “emotional toll” it can take to invest in individual companies. Is it worth experiencing the stress and angst it takes to invest in individual companies? Sometimes, investing in a broad range of companies within an ETF or an Index Fund is less stressful and takes less of an emotional toll on the investor. When you're invested in a bunch of companies with a fund you're less likely to fixate any one company. Whereas focusing on one company's results can bring about a much more emotional ride.Contact Us: https://www.aquilawealth.com/contact-usEric Maldonado, CFP®, MBAOwner, Aquila Wealth Advisors, LLC(805)250-4552info@aquilawealth.comSan Luis Obispo, CA https://www.aquilawealth.com/Disclosure: Aquila Wealth Advisors, LLC is a registered investment advisor in the state of CA, LA, and in other jurisdictions where exempt. All content on this podcast is for information purposes only. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation.

(00:01:09) 道瓊狂瀉千點！美國股市帶來什麼警訊？ (00:07:04) 睽違三年，三萬人擠爆巴菲特實體股東大會 (00:12:52) 經濟學人：穿戴裝置量測的7500項數據如何讓你活得更久

Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, RLP® takes this question from James in Bellingham, WA: What is an Exchange Traded Fund (ETF) and how does it compare to a mutual fund? Mentioned on the Show: YFP Planning: Financial Planning for Pharmacists Send in your questions here or to info@yourfinancialpharmacist.com Your Financial Pharmacist Disclaimer and Disclosures Disclaimer: This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question.

EPISODE #45 – Cryptocurrency Investing with David Abner In this episode of The Innovators Behind Disruption, we explore cryptocurrencies and investment opportunities in crypto with keynote speaker, David Abner. TIMESTAMPS: 0:00 Opening remarks and introductions 1:36 About Gemini 6:18 ETFs and the beginnings of bitcoin ETFs 10:38 Why invest in bitcoin? 13:19 Bitcoin as a hedge to inflation 17:23 Cryptocurrency adoption 21:40 Regulation, volatility and other obstacles to crypto adoption 26:44 Growth drivers for cryptocurrencies in the coming years 31:16 Closing remarks GUEST SPEAKER: David Abner - Global Head of Business Development, Gemini David Abner is the Global Head of Business Development at Gemini. In this role, David oversees the expansion of Gemini's institutional business and leads the relationships with major institutional partners and high-net-worth individuals on a global scale. Prior to joining Gemini, David spent the last 20 years focusing on driving the growth of the Exchange Traded Fund (ETF) industry. He was instrumental in bringing ETFs from a fringe arbitrage trading tool to an investment product utilized by institutional asset managers, reaching more than 7 trillion in assets under management. His most recent book, The ETF Handbook (Wiley Finance) describes the inner workings of ETFs and how to achieve efficient portfolio implementation and execution. Most recently, David was the CEO of the European Division of WisdomTree Asset Management and a member of their global executive committee. He joined the firm as a startup and helped it grow to more than $60 billion in assets under management. Prior to that he held Managing Director roles at BNP Paribas and Bear Stearns & Co, Inc.

Have You Ever Considered An Allocation That Isn't Completely Market TiedHave you heard how real estate has been doing? If you're like some people you may be tempted to buy property or a rental. That comes with a set of obligations that may be lengthy. Did you know there is another way to have exposure to real estate in your portfolio without owning real estate outright?Traditionally, this has been done by owning a Real Estate Investment Trust (REIT). Hold on though, because REITs come with details you must know. Sometimes if REITs are not traded they may have liquidity limitations. Which means you can only get money out at a certain time or after a certain period or if metrics are achieved. If the REIT is concentrated in only one sector, obviously that's the only exposure you have. Sometimes the fees can be hard to ascertain in REITs too. These reasons alone are enough to say “forget it!” But like everything, companies have developed a more palatable route. You can now use a REIT that is held in an Exchange Traded Fund (ETF). Remember that ETFs are baskets or pools of various investments held jointly.The thought process is that if one part of the fund is doing poorly, then the other parts that are doing well will pick it up. It's a diversification tool, and the fund we use has exposure to commercial, residential, and international real estate. This creates a broad range exposure so that if one part of the industry is impacted, perhaps the other areas can balance it out.ETFs were first introduced in the early 1990s, and they are completely liquid. So, anytime the stock market is open you may buy and sell ETFs. You can now have real estate exposure through a REIT with an ETF wrapper. I believe this may be important, because real estate is only about 45% correlated to the overall market. That means if the market dips, REITs do not mirror those losses normally.ou may participate in the upside of real estate industry without directly owning real estate outright. The REIT ETF we use for our clients has earned 9.28% gross since inception, which is strong!Obviously, if there was another housing crisis like we saw in 2008 and 2009 this type of fund may be impacted. However, it may be appropriate to allocate a portion of your portfolio to real estate to lessen the impact of an equity market correction. If you'd like to discuss if a REIT ETF is applicable for you,  call us at 864.641.7955.Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Clients Excel, LLC are not affiliated companies. Investing involves risk, including potential loss of principal. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the insuring carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet particular needs of an individual's situation. Clients Excel is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Clients Excel. The use of logos and/or trademarks of podcast hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program. 

Aalto-yliopiston rahoituksen laitoksen johtaja Elias Rantapuska keskustelee työurista, meritokratiasta ja inhimillisen pääoman suhteesta finanssipääomaan. Inhimillisen pääoman (human capital) kehittäminen tapahtuu pääosin meritokraattisten systeemien kautta. Siinä sisäsyntyisistä taidoista saadaan yleensä varsin mittavalla vaivannäöllä (esim. 10000 tuntia keskittymistä) suuriakin tuottoja. Sen strategiat vaihtelevat motorisen lahjakkuuden hyödyntämisestä akateemisella koulutuksella saavutettuun kansainväliseen työtehtäviin. ' Suomi on melko pääomaköyhä maa ja yksityisvarallisuutta suomalaisilla on noin 700 miljardia, josta ylivoimaisesti suurin osa on kiinteistövarallisuutta ei rahoitusvarallisuutta. Tämän varallisuuden kartuttaminen on Rantapuskan esimerkin mukaan melko yksinkertaista – sijoita hajautetusti, kulutehokkaasti ja esim. Exchange Traded Fund (ETF)-allokaatioita käyttäen. Perusteet oppii noin 10 tunnissa. Woltin perustajien ja heitä tukeneiden rahastojen onnistuttua luomaan 7 miljardia markkina-arvoa 7 vuoden aikana, kasvuyrittäjyys on noussut esimerkiksi molempien pääomatyyppien tehokkaasta yhdistelmästä. Jaksossa Elias ja Sami keskustelevat myös meritokraattisista piilorakenteista kuten heimoutumisesta ja metatyöstä. 00:00-01:00 Meritokratia on sisäsyntyisten kykyjen ja vaivannäön yhdistelmä. Miksi finanssipääomaa on helpompi hallita kuin inhimmillstä pääomaa? 01:01-36:09 Elias Rantapuska ja Sami Miettinen keskustelevat meritokratiasta ja inhimillisestä pääomasta #sijoittajat #yritykset #ekonomistit #neuvottelija #neuvottelijat #meritokratia #yhteiskunta #myynti Facebook - liity #neuvottelijat-ryhmään https://www.facebook.com/groups/neuvottelijat Kaikki #neuvottelija -jaksot ja haku: https://www.dcmcapital.fi/neuvottelija

#Bitcoin #ShibaInu #BitcoinETFI'd like to welcome everyone to my new PODCASTDave's Daily Crypto TakeIn this channel I will be providing you with news on a daily basis about cryptocurrency, bitcoin, blockchain, FIAT. My main purpose is to share UNBIASED news and updates. Ultimately I learn and hopefully you learn while I go on this journey.ARTICLES used in today's video:https://bitcoinist.com/why-november-14-could-be-the-next-big-day-for-bitcoin/Why November 14 Could Be The Next Big Day For BitcoinThe approval and launch of a Bitcoin-linked Exchange Traded Fund (ETF) seem to be the main driver. Although the market cool-off for a couple of weeks after a massive rally, the buying pressure returned by the end of the weekend.Pushing Bitcoin back into uncharted territory and a new all-time above $68,000. Many expect further downside, as the market could continue to cool off and set BTC's price back to its critical support zones at $65,000 or $63,000 if the former fails.However, a recent report by Arcane Research claims that November the 14th could mark yet another historic date for Bitcoin. On that date, the U.S. Securities and Exchange Commission (SEC) it's expected to issue a decision on the VanEck Spot Bitcoin ETF.https://slate.com/technology/2021/11/web3-explained-crypto-nfts-bored-apes.html?via=rss_flipboardWhat Is Web3 and Why Are All the Crypto People Suddenly Talking About It?If you've been perusing cryptocurrency forums or video-game news recently—or spying everything from New York Times job listings to zany Twitter threads claiming that the traditional job interview is about to be replaced by blockchain-based “quests, adventures and courses to prove your worth”—you might have run into the term “Web3.” The term, obviously, refers to a third generation of the internet. But is it just jargon, the latest shibboleth among people who trade NFTs of cartoon apes for hundreds of thousands of dollars and are already designing their virtual homes in the metaverse? Or is Web3—and the less concentrated version of the internet it represents—something that those of us who thought we were still living on Web2 ought to know about? The answer to both is probably yes. The answers to your follow-up questions are below.https://futurism.com/the-byte/bitcoin-crushes-record-predictionBITCOIN CRUSHES ALL-TIME RECORD, WITH JPMORGAN PREDICTING $146,000The value of Bitcoin hit all-time highs today, trading above $68,000 Tuesday morning — and investors are predicting that its rise isn't over yet, CNBC reports.The price calmed back down to around $66,700 at the time of writing, but there's still plenty of appetite for Bitcoin, and investors are more enthusiastic about the cryptocurrency's short-term future than ever before. However — as we've seen many times before — it's impossible to predict when exactly the Bitcoin gravy train will run out of steam and start plummeting again.https://ambcrypto.com/polkadot-etfs-in-europe-outperform-bitcoin-ethereum-traditional-finance/Polkadot ETFs in Europe outperform Bitcoin, Ethereum, traditional financeExchange-traded products (ETP) are the next big thing for many institutional cryptocurrency investors. In fact, crypto-ETFs have captured a huge share of the market within no time. In one such case, crypto-backed ETFs in America and Australia broke several records within days of trading.Surprisingly, throughout October, the top 20 best-performing ETFs in the European market were the ones that were backed by cryptocurrencies. Natural gas and Brazilian exchange-traded funds (ETFs) were at the bottom of the list, compiled by Morning Star.Interestingly, the top eight ETFs were backed by tokens of L-1 protocols like Polkadot and Ethereum. At the top was SEBA Polkadot ETC (SDOT), which was issued by SEBA Bank and began trading on the SIX Swiss Exchange in July, with 52.8% appreciation.https://www.thesun.co.uk/money/16681967/shiba-inu-millionaire-risky-bet-retired/INU THE MONEY I became a Shiba Inu millionaire in just six months from a risky $8,000 bet – now I've retired at the age of 35The dad told Fortune how he started trading cryptocurrencies in a bid to build a better future for his partner and son.He became interested in Shiba Inu which was launched in August 2020, after reading the coin's 28-page white paper when he first came across it."After reading that, I was hooked. I just believed the words," he said.The trader decided to gradually invest $8,000 and expected his holdings to grow.https://alternative.me/crypto/fear-and-greed-index/https://coinmarketcap.com/Please subscribe, like, and share so that more and more people can view this content.DISCLAIMER: I will never give any financial advice. And my channel is not considered official Financial Advice. Please do your research before purchasing any cryptocurrency.Thank you very much DaveSupport this podcast at — https://redcircle.com/daves-daily-crypto-take/donations

Every now and then, we see new trends emerging in the investment markets. And one of the trends we've been recently observing is the tendency of mutual fund managers to convert their fund structure to Exchange-Traded Funds. Throughout this episode, Grant reviews the structures of mutual funds and ETFs, what makes them different from each other, the reasons why it makes sense for mutual fund managers to switch to ETFs, and what investors should keep in mind about mutual funds being converted to ETFs. [01:43] Mutual Funds – Grant reviews how mutual funds are structured and how the mutual fund managers use funds from a group of investors to generate greater returns than what individual investors have the capacity to generate on their own. [08:42] Limitations – Limitation of mutual funds and how these limitations may create unfavorable situations for mutual fund managers in some scenarios. [13:50] Understanding ETFs – What led to the creation of Exchange-traded Funds, how they work, and the difference between mutual funds and ETFs. [21:51] Benefits – Grant dives into the attractive characteristics and tax benefits of exchange-traded funds. [25:00] Popularity of ETFs – Grant shares his thoughts on how ETFs became popular in the last decade and the trend of some mutual funds being converted to ETFs. [30:00] Why Investors Should Care – How this trend of mutual fund managers converting their structure to ETFs affects the investors in terms of expenses, taxation, benefits, and what to do if their mutual funds are being converted.   Resources: Investor Bulletin: Mutual Fund Conversion to Exchange-Traded Fund (ETF): investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/mutual-fund-conversion-exchange-traded-fund Making the Switch: Turning a Mutual Fund into an Exchange-Traded Fund: bbh.com/us/en/insights/investor-services-insights/making-the-switch-turning-a-mutual-fund-into-an-exchangetraded.html

What is an Exchange-Traded Fund (ETF)? This is our 'Simple Sprouts' series. Every week we pick an investing or business concept and explain it in a refreshingly simple way. The challenge? To do it in 5 minutes or less. In this episode we cover: What is an ETF? How ETFs diversify your investments Why ETFs are cheaper than making single investments How ETFs can support your investing strategy (e.g. Gold or Cryptocurrency) What are ethical ETFs How are ethical ETFs made What you should do to choose an ETF right for you Check out our new Substack Newsletter! Sent straight to your inbox, it's a great way to read our company breakdowns in 5 minutes. Leave us a Review! If you enjoy listening to the podcast, we'd love for you to rate us 5-stars on iTunes / Apple Podcasts. Here's a link to leave a review right now :). Take our survey and let us know how we're doing. Have a concept you want explained? Send them to freshcapitalpodcast@gmail.com All information contained in this podcast is for education and entertainment purposes only. It is not intended as a substitute for professional financial, investment, legal or tax advice. The hosts of Fresh Capital are not financial professionals and are not aware of your personal financial circumstances. Any opinions expressed herein are not recommendations or advice. Please consult a licensed financial professional before you invest. For more information visit our website at https://freshcapital.show/

Have you heard of the Exchange Traded Fund or an EFT?  An ETF is a stock of stocks but is bought and sold like an individual stock. It is a valuable, efficient, and evolving investment method to consider as part of your retirement plan. You might be asking yourself ‘what makes an ETF that attractive?’ or ‘what is the difference between an ETF and other investment methods?’ In this episode of the Secure Your Retirement podcast, we talk about the advantages of the Exchange Traded Fund and its difference from a mutual fund. We share the different types of ETFs we’ve invested in and our experience so far. In this episode, find out: Understanding an Exchange Traded Fund and how it works. Understanding mutual funds and their difference from the ETF. How an ETF allows investment diversification. The efficiency of an ETF over a mutual fund.  The advantages of ETFs and the different directions you can go with them as stocks. Tweetable Quotes: “If the ETF is actively managed, then it’s going to have a little bit higher fees than a passive ETF.”- Radon Stancil “If you can imagine the world of the stock market, you can get whatever you want with the ETF world.” - Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit http://pomwealth.net/podcast (POMWealth.net/podcast). To receive our free book, Get Off the Retirement Rollercoaster, leave a 5-star rating review on Apple Podcasts and send a screenshot to morgan@pomwealth.net.

Netflix Australia only paid around $550,000 in tax in 2020 despite estimates that it earned $1 billion or more.   The Australian retail giant that owns Smiggle, Peter Alexander and Just Jeans, has finally given in to pressure and will repay JobKeeper subsidies.   Australia’s share market could launch Australia’s first crypto Exchange Traded Fund (ETF) by the end of the year.   ---   Save money and win cash prizes up to $250k weekly: https://bit.ly/Wintheweek Get your credit score for free: https://bit.ly/fluxcreditscore Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play Store): http://bit.ly/FluxappGooglePlay Weekly newsletter: https://bit.ly/fluxnewsletter Instagram: http://bit.ly/fluxinsta TikTok: https://www.tiktok.com/@flux.finance   ---   The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. See omnystudio.com/listener for privacy information.

EC10 co-founder Earle Loxton talks about the recent management fee increases, and the company's plans to launch an Exchange Traded Fund (ETF) offering institutional investors exposure to bitcoin, but under the watchful eye of the JSE. Moneyweb Crypto news articles

EC10 co-founder Earle Loxton talks about the recent management fee increases, and the company's plans to launch an Exchange Traded Fund (ETF) offering institutional investors exposure to bitcoin, but under the watchful eye of the JSE.

If you have listened to this show for a while you know that I like to create a retirement withdrawal strategy based on the pie cake. However, we haven’t discussed what goes into the mix.  Over the next several episodes, we’ll dive into the details of asset allocation. You’ll learn a bit about ETFs, mutual funds, separately managed accounts, and UITs. On this episode, in addition to answering listener questions with Andy Panko from Retirement Planning Demystified, you’ll learn about ETFs and their pros and cons.  Building your pie cake In retirement, your portfolios need to reflect when you plan on spending those funds. I separate these portfolios into what I call the pie cake. The basis of the pie cake, is of course, the plate. Your plate will contain your contingency fund and emergency fund. The first layer of your pie cake contains the money that you will use to fund your life over the next 4-5 years. The next layer will contain funds that have a different asset allocation. It may contain funds that are more of a mix of stocks and bonds. In your last layer, you have your long-term assets which will consist mainly of stocks.  What are the ingredients of the pie? Now that you have the cake set up you’ll need to consider what you’re going to put into each pie. Each layer of the pie cake is different and must be made separately. You’ll want to consider what ingredients you want to add. How many ingredients do you want to have in your mix? I like to have as few ingredients as possible. Try adding complexity to your ingredients by diversification rather than simply adding more ingredients. What would you prefer in your pie--simple ingredients or complex ones with names you can’t pronounce? What is an exchange-traded fund? An exchange-traded fund (ETF) is an instant portfolio. It is different from traditional mutual funds in that an ETF trades like a stock--you can buy call options or put options. They can be highly managed or not depending on what you buy, so pay careful attention to the fees attached.  One unique mechanism ETFs have is that the managers buy stocks that represent the portfolio you are trying to match. They track very closely to the net asset value. Learn more about ETFs by listening to this episode of Retirement Answer Man--make sure to stick around for the listener questions with Andy Panko. What are some advantages and disadvantages to ETFs? ETFs aren’t all good or all bad. They have their pros and cons. One advantage to an ETF is that you have an instant portfolio. Another advantage is the clarity. You know what is inside the fund at all times. They are also transferable between different brokerage houses and are quite tax efficient.  On the flip side, if you buy an ETF that is focused on an index you may get less diversification than you think. So make sure to dig under the hood a bit to understand what it is that you are buying. ETFs can also be more expensive if it is more actively managed. Press play to hear the difference between an organic and manufactured ETF. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [1:50] How to build your pie cake [3:23] What ingredients do you need to create your pie? [7:48] What is an exchange-traded fund? [11:28] What are some advantages and disadvantages to ETFs? [15:31] There are organic and manufactured ETFs Q&A SEGMENT WITH ANDY PANKO [19:23] Tax planning in retirement [23:40] Can you use one spouse's HSA to pay for the other spouse’s medical expenses? [26:55] How to balance retiring with college expenses ahead of you [31:30] Roth conversions and the pro-rata rule [38:32] Andy gives me some tax advice [42:28] Can I recommend a First Pen? TODAY’S SMART SPRINT SEGMENT [43:45] Take a look at your portfolios and ask yourself if they are too complex Resources Mentioned In This Episode Taxes in Retirement Facebook group Retirement Planning Demystified on YouTube BOOK - Thinking in Bets by Annie Duke Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Dan Sarver is a college student who has written the book on money that he was looking for after graduating high school, 7 Investments In Your 20’s That Will Change Your Life. On this episode of CFO at Home, Dan and Vince discuss his inspiration for writing the book, the 7 investment vehicles mentioned in the title, and more. Key Takeaways: Dan’s 7 Investments in your 20’s that will change your life: Dividend Paying Stocks and Compound Interest The greatest asset for a young investor is time Long investment horizons minimize risk, allow for maximum returns  S&P 500 Index Fund Funds with largest Market Cap Allows investors to realize returns similar to the overall market over the long run Nasdaq-100 Index Fund  Tech-driven; historically translates to higher volatility, higher reward  Mutual Funds  Returns are more reliant on the skills of the fund manager as stock-picker than index funds  Generally have higher expense ratios (costs more to invest in) than index funds The Exchange-Traded Fund (ETF)  Similar to mutual funds, more available internationally, designed to be even more liquid than mutual funds Real Estate Investment Trust (REIT)  Allows investment in Real Estate through a brokerage account, without the hassle involved in conventional real estate investing  Treasury Inflation-Protected Securities (TIPS) May provide slightly more return for cash reserves than a savings account Resources: 7 Investments in your 20’s that will Change your Life The Little Book of Common Sense Investing Ways to contact/follow Danbusinesslifestyle.com DanXSarver - Instagram Contact the Host - vince@thecfoathome.com

L'autorità di regolamentazione brasiliana Comissão de Valores Mobiliários (CVM) ha approvato il primo Exchange Traded Fund (ETF) di Bitcoin (BTC). Questo sarà il primo ETF BTC in America Latina. QR Capital offre l'ETF QBTC11 e sarà quotato sulla borsa B3 del Brasile. Inoltre, in un post su Twitter, QR Capital ha notato che la quotazione rende B3 il secondo scambio al mondo a offrire un ETF BTC al 100%. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/bitcoin-informa/support

L'autorità di regolamentazione brasiliana Comissão de Valores Mobiliários (CVM) ha approvato il primo Exchange Traded Fund (ETF) di Bitcoin (BTC). Questo sarà il primo ETF BTC in America Latina. QR Capital offre l'ETF QBTC11 e sarà quotato sulla borsa B3 del Brasile. Inoltre, in un post su Twitter, QR Capital ha notato che la quotazione rende B3 il secondo scambio al mondo a offrire un ETF BTC al 100%.--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/bitcoin-informa/support

Frenchpet Advice is back! In this episode, Frenchpet talks about the Reddit post Life Pro Tips: Separate Expenses Into “Needs”, “Wants”, And “Investments". Listen to him talk about finding "The Fonz" of bankers, not being a financial adviser, the International Banking Cartel, buying an Exchange-Traded Fund (ETF) and more!  Here's the link to the original Reddit post:https://www.reddit.com/r/LifeProTips/comments/kuhh2j/lpt_separate_expenses_into_needs_wants_and/ Follow our socials for more Frenchpet madness! Facebook: https://www.facebook.com/frenchpet/ Twitter: https://www.twitter.com/frenchpet/ Instagram: https://www.instagram.com/frenchpetpodcast/ Linktr.ee: http://frenchpet.com/

The Wiser team explains exchange traded funds and discuss why ETFs are great investment options for the long-term investor. The group talks about the key advantages of ETFs when compared to mutual funds and why you should know and understand what kinds of ETFs you own.

This week we take a look at Listed Investment Companies, LIC’s. They’ve been around a long time on the stock market, and given the advancements made, especially in the Exchange Traded Fund (ETF) space, it's worthwhile to question whether LIC’s still have a reason to exist? Should we as investors have them on our radar?   [Disclaimer]

When it comes to investing strategies, one of the most influential books available claims that if you keep it simple, you'll actually do better. Here to talk about the philosophy behind his investment strategy is one ofChooseFI's most requested guests, JL Collins, author of The Simple Path to Wealth, and popular blog series, The Stock Series. The influence of JL Collins cannot be overstated. The content he produced changed the trajectory of Brad's life and made him feel comfortable investing. In 2011, JL's daughter was in college but was turned off of all things financial after he pushed too hard. Because he wanted her to know how to invest and handle money, he decided that he needed to write it down for when she was ready. It was suggested that he archive the advice in a blog and share with friends and family. Much to his surprise, strangers began to find it and he quickly had an international audience. The book came out of the growth of his blog. Always having the ambition to write a book, The Simple Path to Wealth became a more organized and concise compilation of his blog articles. Four years later, 2020 has been its best selling year and the success has greatly exceeded expectations. Readers have responded positively to the authenticity of his writing, which he believes is because he was writing for his daughter. Now that she is a young adult, she's been receptive to the information and is now on board with the strategy presented. For Brad, investing always seemed like something that required thousands of hours of understanding and special insight until he began reading The Stock Series on JL's website. It gave him hope that he had a chance at long-term success for wealth that would last for many decades. JL acknowledges the method in the book is the last and best method he came to after going through other iterations involving picking stocks and actively managed funds. The other methods work, but they are harder and a lot less powerful than a low-cost index fund. JL says this method isn't just for beginners, it's the best way to invest for everybody. The most powerful way to invest is the simplest and the easiest. He realized that not everyone wants to think about investing the way he like thinking about it. Most people know it's important, but have more important things they want to do with their lives. His approach allows them to set it and forget it. The investing world is complex by design because the more difficult it is to understand, the more Wall Street can charge in fees. Jack Bogle, the founder of Vanguard, was the first one to invent index funds and talk about index fund investing. Because outperforming the market as a whole is extraordinarily difficult, only 20% of fund managers in any one year can do it. After 30 years, the percentage of fund managers that can do it is less than 1%. Even Warren Buffet wrote in his 2013 Berkshire Hathaway shareholder letter that he would advise the trustee of his estate to invest 10% in government bonds and 90% in a very low-cost S&P 500 index fund. A mutual fund, or similarly, an Exchange Traded Fund (ETF), takes money from a lot of investors and lumps it together to invest it in something. The S&P 500 index invests in the 500 largest US companies that make up the S&P index, while an actively managed mutual fund may focus on a different parameter, such as energy or technology. An actively managed fund attempts to pick stocks that over time will outperform the index which is an expensive route and reflected in what the investor pays for the fund, called the expense ratio. Every fund has an expense ratio, but what matters is how high it is. Because index funds don't have those expensive fund managers, the fees are very low. JL's most recommended Vanguard fund, VTSAX, has a 0.04% expense ratio. Actively managed funds average 1%. The impact 1% has compounded over time is dramatic. On a $1M portfolio, you may be withdrawing 4%, or $40,000, each year, while 1%, or $10,000, goes into the pockets of those managing your portfolio. That's money not going to you or working for you by growing over time. In an article Brad wrote several years ago, he looked at the impact fees had on an investment portfolio. With a 1% expense ratio and/or a 1% fee for assets under management, the fees over a 40-year period cost millions of dollars. Owning index funds means you own all of the companies within that index, both the winners and the losers. VTSAX is Vanguard's total stock market index fund which invests in virtually every publicly-traded US company. There is very little difference between VTSAX and the S&P 500 index fund since VTSAX is capweighted, meaning it owns more of the largest companies. Only 15-20% are small or mid-cap companies. JL loves index funds because they are self-cleansing, meaning that you benefit from the winners while the losers drift away. The worst you can lose is 100% on a company, but you can gain 200% or even 1000% with the winners. Tesla is a great example of the upside. An S&P 500 index or total stock market index fund is essentially the same regardless of which brokerage firm it is purchased from. JL prefers Vanguard because it is structured where its interests are identical with the investors. The investors own the Vanguard funds which helps to continually drive down costs. The impact of changing from a fund with a 0.04% fee to 0.02% or even 0% isn't tremendous. JL prefers to stick with a company like Vanguard that favors the investor over the owner. Another thing Vanguard is trying to do is make investing more accessible. They have lowered the minimum investment for VTSAX from $10,000 to $3,000. Those without an initial $3,000 to invest can opt for VTI, the Exchange Traded Fund version of VTSAX. VTI is primarily a trading vehicle that any amount of money may be invested in. Like a stock, buy and sell orders are executed immediately, while index funds prices are set at the close of the business day. Traditionally, investors have needed to purchase whole shares of ETFs. Companies like M1 Finance have made it possible to buy fractional shares. It would be wonderful if we could time the market, but it's more important to have time in the market. The best way to lose money is to try and dance in and out of the market. Trying to time the market does not work. When the market began to drop during the beginning of the COVID pandemic, JL held strong in his conviction that no one knew what the market was going to do. The important thing to do is to stay the course. You have to expect market drops during your investing lifetime. JL says no one should follow his advice unless they are absolutely clear that they will not sell when the market drops. Selling is not an option. Market drops are temporary. After Black Monday in October 1987, JL, despite knowing better, lost his resolve and sold near the very bottom of the market. He didn't buy back in until the market had completely recovered. Now, market fluctuations don't bother him. Roughly 20 companies make up 30% of your holdings in an S&P 500 index fund. Any company or sector that rises to the top means you'll own more of it. When those companies fade away, the individual who owned them in an index fund will fare better than an investor who owned them as a single stock. The most powerful companies today will not be the most powerful companies decades from now. Of the original companies making up the DOW, not a single one remains in the DOW. With an index fund, you never have to worry about what's fading out or what's rising. You will always be there. Resources Mentioned In Today's Conversation ChooseFI Episode 019 The Stock Series Part 1 with JL Collins If You Want To Support ChooseFI: Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy.  Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence.  

In this week’s Saving Yourself from Wall Street podcast, we talk to Stan Kiang of Aberdeen Standard Investments about gold. Why should you own gold? How much should you own? How should you own it? We also dig into Aberdeen’s low cost gold Exchange Traded Fund (ETF).

In this episode of Intelligent Money Minute, we interviewed Matt Hougan, Chairman of Inside ETFs on the definition of ETF and how they compare to mutual funds. An Exchange Traded Fund (ETF) is a type of security with a collection of securities like stocks and typically tracks an underlying index. Although there are similarities to […] The post An Introduction to ETFs with Matt Hougan appeared first on Intelligent Investing.

In this episode of the Mackenzie Investments Podcast series, host Matthew Schnurr speaks with Michael Cooke, Senior Vice President and Head of Exchange Traded Funds. They get into the weeds on what an Exchange Traded Fund (ETF) is, what to consider when buying an ETF and the correlation between passive investing and the rise in ETFs.

There has been sensational growth over recent years in the number of investors placing their money into an Exchange Traded Fund ETF. And it's easy to see the appeal. By purchasing just one share in an ETF you can instantly replicate the performance of the top 500 stocks in the US, or the highest paying dividends stocks in Australia. Or, if you're feeling particularly adventurous, you can buy shares in an ETF that gives you exposure to the best up and coming small caps in Australia, a strategy that has averaged an impressive 11% return per year over the past 5 years! In this podcast, we start at the beginning by explaining what an ETF is and how it works, we talk about the positives and negatives of ETF investing as well as sharing some top level ETFs that you may want to add to your list! --- Send in a voice message: https://anchor.fm/cheeky-investor/message

Will Rhind is the Founder & CEO of GraniteShares - an independent Exchange Traded Fund (ETF) company built for investors seeking simple, cost-effective access to commodity and alternative investments. Will is a 20-year veteran of the ETF industry with experience working at, building, and running successful ETF businesses. Will sits down with Chris Snyder to discuss the current climate of the ETF industry and investment trends to take note of.

What is the difference between a mutual fund and an ETF? Which should you buy—a mutual fund or an ETF? What are the deciding factors? In this episode of Making Finance Fun, I take a deep dive into mutual funds and ETFs. I’ll define the two terms, talk about FOUR key differences, and even give you a glimpse into the book I wrote: Mutual Funds Are So 1999: How & Why ETFs Have Disrupted the Trillion Dollar Mutual Fund Industry.If you’ve thought about investing in mutual funds or ETFs, don’t miss this episode! ***Put Buttons Above DATE in final post*** Outline of This Episode [1:54] The definition of a mutual Fund and ETF [3:40] How are mutual funds and ETFs similar? [6:52] The FOUR key differences [7:30] Difference #1: Fees/expense ratio [13:52] Difference #2: Management style + performance [19:54] Difference #3: Buying and selling ETFs/mutual funds [25:19] Difference #4: Which is more tax efficient?  [30:10] Which to buy: Mutual funds or ETFs? So just what are mutual funds and ETFs? According to Investopedia, an Exchange Traded Fund (ETF) is: “A type of security that involves a collection of securities—such as stocks—that often tracks an underlying index, although they can invest in any number of industry sectors or use various strategies.” A mutual fund is: “A type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus.” The long and short of it is this: Both mutual funds and ETFs are a group of investments with a collective purpose.  Difference #1: Fees/expense ratio Nearly every single mutual fund has some sort of fee involved in it somehow. The associated fee (or expense ratio) differs between whether or not your mutual fund or ETF is actively managed or passively managed. Actively managed simply means that a manager(s) buys and sells on a daily, weekly, monthly basis on your behalf. Passively managed means that the mutual fund or ETF is following a benchmark they’re associated with (Dow Jones, S&P 500, NASDAQ, etc.).  On average, an actively managed mutual fund charges 1.09% annually. A passive mutual fund charges an average rate of 0.79%. On the flip side, a passively managed ETF costs roughly 0.57% annually versus 0.6% for an actively managed ETF. The cost differences make sense—after all, if someone is actively managing the group of investments, they have to get paid. Difference #2: Management style + performance Hypothetically speaking, the running theory is that if you pay more, you should do better. Right? So I did some digging and took a look at the SPIVA US scorecard, which attempts to look at performance differences between actively managed funds and passively managed funds. According to this report, 70% of domestic stock funds lagged the S&P Composite 1500 making for the 4th worst performance since 2001. Actively managed funds did NOT have a good year last year. Looking over the performance for 15 years, less than 10% of actively managed funds beat the S&P 500.  Keep listening as I dissect the numbers and share how different sectors performed in actively and passively managed mutual funds and ETFs.  Difference #3: How Mutual Funds and ETFs are bought and sold I’ll cover this briefly, but if you want an in-depth look at how these are bought and sold, be sure to check out my book! An ETF trades throughout the day on an exchange (trading platform) just like a stock. You can buy an ETF at 10:30 and sell it at 10:45. You’ll know what share price you’re buying and selling it for. You can also set a limit order so that your ETFs sell at a minimum amount (if the value is dropping) or a maximum amount (if the stock is rising).  It is NOT the same with a mutual fund. You’re buying directly from and selling to the mutual fund company. A mutual fund doesn’t sell instantly and you don’t know what price you’re selling at. Typically, you don’t know the price you’re getting until after the stock market has closed. You cannot set limit orders with mutual funds. When you sell them, you choose the number you’re selling and hope for the best.  Difference #4: Tax efficiency When mutual funds sell investments, any profits are passed on to the funds’ shareholders via capital gains distributions. If you have an actively managed fund you will probably pay capital gains taxes on it most years (though it is a little different with a Roth IRA or qualified accounts). Capital gains are unlikely with ETFs due to how they’re constructed and traded. In this episode, I share THREE different examples going back 10-15 years where ETFs have NOT made capital gains. Passively managed ETFs are the most tax-efficient of mutual funds and ETFs.  So how do you decide which one to buy? The bottom line is this: it depends on what you’re trying to accomplish, what type of account you have, your risk tolerance, and the goals of the investment. Do your research and make the best choice for you. Reach out to your financial advisor—or myself—if you have any questions.  If you want to learn why I believe the ETF structure is superior to the mutual fund structure, check out my book: Mutual Funds Are So 1999: How & Why ETFs Have Disrupted the Trillion Dollar Mutual Fund. Resources & People Mentioned BOOK: Mutual Funds Are So 1999 Dividend Distributions What is an ETF? What is a Mutual Fund? SPIVA U.S. Scorecard Difference between ETFs and Mutual Funds Connect With Rockie Website On Twitter: @AnxiousAdvisor On LinkedIn Subscribe to the show on the app of your choice

Exchange Traded Fund (ETF) or Index Fund? Very similar, yet very different. Have a money question? Email me here. Please leave us a rating or review in Apple Podcasts. "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

A Live entre amigos é uma série de 8 episódios contendo ensinamentos essenciais sobre investimentos. Em cada episódio um convidado especial e um tema diferente. No episódio 3 contamos com a presença do Léo Maranhão, especialista em ETFs.

Len Jordaan, Index and Structured Solutions, Absa CIB Simon and Len delve into understanding risk and how it applies to your Exchange Traded Fund (ETF) selection, both as a basket of different ETFs you put together but also as to which individual ETF you may be buying for a tax-free or discretionary portfolio. Some links we refer to; Managed volatility JSE Direct interview. Managed volatility ETF blog. MAPPS Protect. MAPPS Growth. Subscriber to our feed here Subscribe or review us in iTunes JSE – The JSE is a registered trademark of the JSE Limited. JSE Direct is an independent broadcast and is not endorsed or affiliated with, nor has it been authorised, or otherwise approved by JSE Limited. The views expressed in this programme are solely those of the presenter, and do not necessarily reflect the views of JSE Limited.

Location: New York Date: Friday, 25th October Project: Bloomberg Role: Editor The Winklevoss twins first Exchange Traded Fund (ETF) application was rejected by the Securities and Exchange Commission (SEC) in March 2017.  In the 2 ½ years since, there have been a number of other applications for an ETF, all of which have been rejected, with the SEC citing concerns regarding manipulation, volatility and fraudulent activity. But does a government-granted ETF fit with the ethos of Bitcoin? Bitcoin was born out of the cypherpunk movement, with the goal of taking power away from the government by giving people a trustless and censorship-resistant monetary system. As such. seeking approval from a government-run body for an investment fund is seemingly against this ideology.  It seems apparent that most Bitcoiners' motivation behind seeking an ETF is likely down to money. The added liquidity, easy access to investors and media coverage an approved ETF would garner may well lead to a price increase and thus an ETF approval seems like an easily identifiable path to another bull market. Could this be interpreted as Bitcoiners being hypocritical and caring more about the price of their coins than the intended goal of a censorship-resistant currency? On the other hand, it could be seen as a significant achievement in terms of mainstream adoption. After all, nothing aides Bitcoin's adoption than media coverage and price-driven FOMO. In this interview, I talk to Bloomberg Business News Editor, Joe Weisenthal. We discuss contradictory Bitcoin ideals and challenging the status quo, ETF's, censorship resistance, privacy and the current state of the global economy.

Location: New YorkDate: Friday, 25th OctoberProject: BloombergRole: EditorThe Winklevoss twins first Exchange Traded Fund (ETF) application was rejected by the Securities and Exchange Commission (SEC) in March 2017.In the 2 ½ years since, there have been a number of other applications for an ETF, all of which have been rejected, with the SEC citing concerns regarding manipulation, volatility and fraudulent activity.But does a government-granted ETF fit with the ethos of Bitcoin?Bitcoin was born out of the cypherpunk movement, with the goal of taking power away from the government by giving people a trustless and censorship-resistant monetary system. As such. seeking approval from a government-run body for an investment fund is seemingly against this ideology.It seems apparent that most Bitcoiners’ motivation behind seeking an ETF is likely down to money. The added liquidity, easy access to investors and media coverage an approved ETF would garner may well lead to a price increase and thus an ETF approval seems like an easily identifiable path to another bull market.Could this be interpreted as Bitcoiners being hypocritical and caring more about the price of their coins than the intended goal of a censorship-resistant currency? On the other hand, it could be seen as a significant achievement in terms of mainstream adoption. After all, nothing aides Bitcoin’s adoption than media coverage and price-driven FOMO.In this interview, I talk to Bloomberg Business News Editor, Joe Weisenthal. We discuss contradictory Bitcoin ideals and challenging the status quo, ETF’s, censorship resistance, privacy and the current state of the global economy.-----If you enjoy The What Bitcoin Did Podcast you can help support the show my doing the following:Become a Patron and get access to shows early or help contributeMake a tip:Bitcoin: 3FiC6w7eb3dkcaNHMAnj39ANTAkv8Ufi2SQR Codes: Bitcoin | Ethereum | Litecoin | Monero | ZCash | RipplecoinIf you do send a tip then please email me so that I can say thank youSubscribe on iTunes | Spotify | Stitcher | SoundCloud | YouTube | Deezer | TuneIn | RSS FeedLeave a review on iTunesShare the show and episodes with your friends and familySubscribe to the newsletter on my websiteFollow me on Twitter Personal | Twitter Podcast | Instagram | Medium | YouTubeIf you are interested in sponsoring the show, you can read more about that here or please feel free to drop me an email to discuss options.

On this episode of the Planned Solutions Financial Review Podcast we discuss, The S&P 500 second quarter earnings results are now complete and the start of the third quarter earnings season is around the corner. The second quarter results were disappointing coming in below the first quarter number and only 2.6% higher than the second quarter 2018 number. This has put increased emphasis on the third quarter earnings reports as investors attempt to determine if the weaker results are the start of a trend or a short-term anomaly. And, When a mutual fund sells investments with a gain they are required to distribute the bulk of the gain to shareholders and the tax is paid at the individual level. These payments typically occur near the end of the year and can be a tax planning opportunity for individuals who hold mutual funds in non-retirement accounts. Also, As we near the end of the year, this is a great time to check your retirement plan contributions to make sure that you will have contributed the maximum by year end. Listed are the maximum contributions limits for 2019. Many employer-sponsored retirement plans only allow employees to contribute compensation earned up to December 31st. Meanwhile, traditional and Roth IRAs allow contributions up until April 15th or when the tax return for the year is filed, whichever is sooner. On October 1st Charles Schwab and Company announced that it would be eliminating its trading fees for many online stock and Exchange Traded Fund (ETF) trades starting on October 7th, 2019. This fee reduction will apply to Planned Solutions’ contract with Schwab greatly expanding the number of investments that we will be able to trade at no cost. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail Katie@PlannedSolutions.com The Personal Finance Review is published and distributed on a biweekly basis by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Planned Solutions, Inc. ADDRESS: PHONE: 1130 Iron Point Road, Suite 170 (916) 361-0100 Folsom, CA 95630 (800) 750-2111 E-MAIL: FAX: Shannon@PlannedSolutions.com (916) 361-0191 WEB SITE: www.PlannedSolutions.com #finance #invest #investment #stocks #interestrate #bonds

Erin Lowry is the author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together, and the upcoming Broke Millennial Takes On Investing: A Beginner’s Guide to Leveling Up your Money. Her first book was noted as one of the best money books of 2017 by MarketWatch. She has been featured in the Wall Street Journal, The New York Times, and CBS Sunday Morning. She frequently speaks at conferences and universities around the country and has previously written for Cosmopolitan Magazine, Fast Company, and Refinery29.     Erin joins me today to offer insights on investing and why it is vital to invest as soon as possible. She shares how freelance and contract workers should prepare for times without a steady income as well as have open conversations with their partners. She reveals the different ways you can begin investing and the benefits of Exchange Traded Funds (ETFs), social investing, and diversification. She also highlights why it is essential to learn the financial language and shop around for financial advisors and financial services. “Investing is one of the best ways of building wealth, especially if you have the advantage of time.” - Erin Lowry This Week on Young Money:   Why it's crucial to have a relationship with money from an early age. The benefits of investing early on in your career. Money management for contract and freelance workers. The ways you can get into investing without having tens of thousands of dollars. What an Exchange Traded Fund (ETF) is. The importance of investment diversification. The different resources for learning about money. Why you might want to consider social investing. What Robo advisors are. Why it's vital to shop around for financial services. Key takeaways:   Freelancers should have conversations and plan for times without a steady income. Take the time to learn the financial language. Evaluate if you are ready to invest. Diversify your investments. Resources Mentioned:   EP092 How to be In Love AND Financially Fit with Wendy Brookhouse EP032 David Jenkins on Investing with TheAnswerIs Connect with Erin Lowry:   Broke Millennial Broke Millennial on Facebook Broke Millennial on Twitter Broke Millennial on Instagram Erin Lowry on LinkedIn Broke Millennial: Stop Scraping By and Get Your Financial Life Together by Erin Lowry Broke Millennial Takes On Investing: A Beginner’s Guide to Leveling Up your Money Rate, Share & Inspire Other Young Millionaires-in-the-Making    Thanks for tuning into the Young Money Podcast - the advice show for young millionaires-in-the-making! If you enjoyed this week’s episode, head over to Apple Podcasts and leave us a rating and review. Visit our website to learn how easy it is to leave a review on Apple Podcasts.   Don’t forget to share your favorite episodes on social media!    Subscribe to the Young Money Podcast on iTunes so you never miss an episode and reach out to us on Facebook, Twitter, LinkedIn, our LinkedIn Company Page, or by visiting our website.

Simon Shares Steinhoff (JSE code: SNH) results for September 2017 are out and they're a mess. All they really have is a c70% stake in Pepkor. Trade wars have again spooked the market with the orange trumpet going on a Twitter rampage on Sunday, but as I record US markets are green again. Upcoming events; 23 May ~ JSE Power Hour: Mastering stop losses with Trader Petri Subscriber to our feed here Subscribe or review us in iTunes Elections and markets Recording this on Wednesday afternoon, so voting is still on-going and I have no idea what the results will be. But some thoughts. As a country fairly new to democracy we're really good at it and this is something to be very proud of, many countries (including supposed developed ones) are not nearly as good at democracy as we are. The IEC is world class and we accept the results. The majority party loses provinces, metros and the world doesn't end, we all just carry on. Sure there will be some messes in some places, but pretty much our voting is reflective of the will of the people. On this point, if your party loses you don't get to call the winner voters idiots. People vote how they do for their own reasons. We don't all vote the same. That's democracy, if you don't like it there are plenty countries without democracy. I am already seeing some Tweets calling out voters of one or another party idiots. This smacks of immaturity and doesn't sit within democracy. Polls leading up the election have mostly been in the same theme with the exception being the recent IRR polling data which has the ANC definitely losing Gauteng and likely losing nationally. But we fail to understand polling. Voter turn out is very important in polling for an election as is the methodology of the sample you're polling. Pollsters do a lot of post polling 'tweaking' so the potential for bias becomes very real. But being wrong doesn't make the pollster and idiot or a fraud. Polling is not an exact science and in a two horse race the margin of error is usually at least 3.5% and the victory margin is generally less. So even the polls for Brexit and Trump were within that margin of error. Markets have already run hard locally since the late 2018 lows but will likely like the results. Not as to who wins, more that we're good at democracy. The argument that a strong victory for the ANC will be good for markets is bogus and cooked up by people who simple do not understand the ANC process or constitution. Removing Ramaphosa before the next ANC elective conference in 2022 certainly is possible but it is exceedingly difficult and not likely to happen. Importantly the losers in an election always work against the winners, always. Nothing special there. So markets will like the result, pretty much regardless how much the ANC wins by. But will they go much higher? We're already up almost 11% year-to-date and sure we can end the year higher. Heck much higher. But turning around South Africa, jailing corruption, getting GDP going again. This will all take time, it can happen. It is already happening and has been since 14 February 2018. The best place to be will be SA Inc. stocks, they'll benefit most from an improving economy locally. Offshore and US$ stocks will find it tougher as Rand strength is likely over the next few years. My election stocks would be the likes of City Lodge* (JSE code: CLH), Coronation* (JSE code: CML), retailers (my pick is Shoprite* (JSE code: SHP)). Heck about half the JSE is local and been killed over the last five years. Be careful with the truly beaten down, they will take longer to recover. They will eventually, but the market likes easy money so will initially move into those already responding. As always, buy the quality at good prices - nothing clever here. The Exchange Traded Fund (ETF) is probably the MidCap ETF from Ashburton, ASHMID. The index is only +4.7% year-to-date and full of SA Inc. The chart looks ugly, but it will start to recover in time. Of course the wheels fall off if the wheels fall off globally. * I hold ungeared positions. JSE – The JSE is a registered trademark of the JSE Limited. JSEDirect is an independent broadcast and is not endorsed or affiliated with, nor has it been authorised, or otherwise approved by JSE Limited. The views expressed in this programme are solely those of the presenter, and do not necessarily reflect the views of JSE Limited.  

Investing with Exchange Traded Funds Luke Smith joined Richard Perno on Radio Station 2CC Talking Canberra 1206AM. The Money Show aired on Friday 18 January 2019. Luke and Richard take a look at investing with an Exchange Traded Fund (ETF). An EFT is a lower cost investment vehicle that can provide diversification within a specific … Luke on 2CC – Exchange Traded Funds Read More »

Neste podcast, você finalmente vai saber o que é um ETF, ou Exchange Traded Fund. Você vai conhecer as vantagens e desvantagens desse produto financeiro, os custos envolvidos na aplicação desse produto, e claro como você pode começar a investir nas tais ETFs. Tá precisando comprar alguma coisa? Clique no nosso link de associado Amazon e encontre o que você procura: https://amzn.to/2xKb4rO Mural de apoiadores: * Rodrigo Machado * Júlio Ferreira * Andre Yamamoto * Lucas Lopes * Jorge Costa * Rafael Martins * André Rodrigues Seja um apoiador do Financast: * Padrim - padrim.com.br/financast * PicPay - picpay.me/financastpod Com o PicPay você consegue pagar contas, fazer recarga de celular, comprar créditos em vários serviços e muito mais. Baixe agora mesmo o PicPay: picpay.com/site/download Baixe as nossas planilhas - DOWNLOADS Livros sobre o que é um ETF: * Index Funds and ETFs (David Woo Schneider) - https://amzn.to/2D4mjkj * O Investidor Inteligente (Benjamin Graham) - https://amzn.to/2D3sgOd * Investindo em Ações no Longo Prazo (Jeremy J. Siegel) - https://amzn.to/2SizxOo * Manual de Análise Técnica (Marcos Abe) - https://amzn.to/2SnEFB8 Links citados: * Listagem de ETFs Episódios Recomendados: * Financast #011 – Mercado de Ações * Financast #013 – Medo de Investir * Financast #022 – Educação Financeira * Financast #035 – Analise Técnica e Analise Fundamentalista * Financast #038 – Renda Fixa e Renda Variável Comentadores citados: * Matheus Eduardo * Fabio Lima * Fernando Hilario * Rodrigo Oliveira * Alex Correa * Douglas * Marq * Eduardo Silveira * João Carlos * Gabriel Neves Músicas utilizadas no episódio: * Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ Interaja conosco nas redes sociais: * Curta o nosso podcast no

If you catch a snippet of the radio in the morning on your way to work, you’re likely to hear what happened to the Dow Jones overnight. If you read your news online or watch the news on TV it’s likely you’ll hear about the All Ords or maybe the ASX200.  You might even come across acronyms like the NASDAQ and the FTSE. Probably, you know this is something to do with share markets. If you turn your mind to it a bit more, you probably know that the share market is where people buy and sell shares in companies like Telstra or BHP. Maybe you have in mind that the share market is risky and people lose their money sometimes. Well, if this is about the extent of your share market knowledge, you’re not alone, and this episode’s for you. I think it’s fair to assume that you have an interest in achieving financial independence.  That is what we’re all about here. In working towards that goal, building wealth is likely to be an important feature. With wealth you can generate investment income with which you can then live on. Or perhaps you can use that wealth to buy a business, or invest in starting a new business if that’s where your Financial Autonomy goal points you. Or perhaps Financial Autonomy for you means remaining as an employee in a business with a team of people that you enjoy being around, but with the financial resources to resign if ever management changed or something else happened that meant you no longer enjoyed coming in each day. The goal of this audio blog is to provide you with choice in life, and that sort of goal is a common one I see with many of my clients.  Being in a position to say no.  It’s very empowering, and very liberating. One avenue towards financial independence is to build wealth via investment in the share market.  I should make it clear here that what I’m talking about is investing, not trading.  If you’ve listened to the common investment mistakes series you will recall I covered off on the dangers of trying to be a share market trader.  In short, it’s an almost guaranteed way to get poorer. So we’re talking about investing.  Buying shares that you intend to hold for at least a year, and profiting from both the dividend income, and growth in the value or price of the share over time. There are different ways you can gain exposure to the share market.  Your super fund likely has at least some exposure right now.  Later I’ll look at a couple of options for your non-superannuation money, but let’s start by explaining a few of the terms and elements you will come across when you take an interest in investing the share market. There a multiple markets We refer to the share market like it’s one thing, but that’s not true.  All developed countries have their own share market, and some such as the US have multiple markets. There are 60 major stock markets around the world.  There’s a good infographic on world share markets here. Technology is gradually bringing these markets together in a practical sense for investors, but for the moment at least, as an Australian, if you want to buy shares in Apple let’s say, it’s not easy.  Why?  Because Apple isn’t listed on the Australian share market, and it’s not straight forward for an Australian investor to invest in the US share market (where Apple is listed) directly. Our local market is called the ASX. The Australian Stock Exchange.  Should be ASE really shouldn’t it, but presumably someone felt the X looked trendier. On the ASX you’ll find lots of companies you’re familiar with – the banks, the big miners, Woolworths, Telstra, etc.  Of course there’s also plenty there you’ve never heard of too.  About 2,000 companies all up I believe. In the United States the main market is the New York Stock Exchange.  This is the largest share market in the world. On the NYSE you’ll find companies like Johnson & Johnson, Exxon Mobil, AT&T, VISA, and Pfizer. The second largest share market in the world is also in the US – the Nasdaq.  This market tends to be more technology focused, so Apple, Amazon and Microsoft are listed here. There’s also the London Stock Exchange and on and on it goes – typically one per country. You’re buying a piece of a company The next thing to recognise is that when you buy a share, you are buying a small piece of a company. Let’s say you buy a share in JB HiFi.  You are now a part owner of that business. If that business performs well, you will get a share of the profits.  If it grows and becomes worth more, the value of what you own will also rise.  Of course if things go badly – maybe Amazon enters Australia and JB HiFi loses a whole lot of customers, then the business might decline, and so the value of your little piece of the company will do the same. As a part owner you have the right to attend the company’s annual meeting and vote on issues like who should sit on the board of the company. I sometimes have clients tell me that they prefer property investment to share market investment because they can touch a property.  It’s a physical thing.  They don’t feel that with shares. Whilst I can understand that, if you think of the share you bought as a small piece of a company, then you can generally find something physical to attach to that.  Walk into the JB HiFi store.  You own a little bit of this.   Blue chip If you start to take even a passing interest in share market investing you will soon come across the term “blue chip”.  So what does it mean? A blue chip share is a large, high value company.  The expression is usually meant to infer that it’s a company that is so big it will never go broke.  In Australia, the big 4 banks, BHP, RIO, Telstra, Woolworths, Wesfarmers - these are all businesses that would typically be described as blue chip. There is no formal definition of a blue chip company, and you won’t see that as a descriptor on the ASX anywhere. Interestingly, the term blue chip apparently comes from poker, where the most valuable chip was traditionally blue. What to buy So let’s say you’ve decided to dip your toe in the water and buy some shares.  How do you decide what to buy?  Well of course you could come to us for advice, but perhaps initially you just want to have a small go yourself to gain some experience – a great idea. Some important numbers you might come across in your research are the dividend yield and the price earnings ratio.  You’ll come across these numbers in the newspaper and on most share trading websites.  So let’s take a quick look at what these mean. Dividend yield – this is the income rate of return from the share and can be compared against bank interest rates to make it meaningful. Resources companies such as BHP typically pay quite low dividend yields of around 2%, because they tend to pour a lot of their profits into expansion of the business, rather than paying out dividends. The banks on the other hand are more generous, usually paying 5-6%. And then there’s franking credits on top, but that’s for another day. Price Earnings ratio – Commonly abbreviated to the PE, this is a ratio of the price of the share, divided by the earnings per share. So if company XYZ was trading at $10, and in its last earnings notice it declared earnings of $1 per share, then the PE would be 10. That is, its price is 10 times its earnings. Most companies trade on PE’s of between 10 and 20 times. I find PE’s are most useful when comparing companies in the same industry, e.g. the banks, to see which banks the market is rating more highly than their peers. A high PE often reflects an expectation that earnings will grow strongly in the future. In contrast a PE under 10 typically suggests that the market anticipates earnings will decline in future. As an investor you can consider whether you believe the market assessment is correct. Importantly both these statistics relate to the share price on that day. If you already own the shares, and purchased them at some other price, it has no relevance, I guess unless you are thinking of selling. It is also important when considering both of these measures to remember that the earnings numbers they are working off are historical, backward looking – nothing is certain in the future. How else to get started with investing the share market So you’re keen to invest, but don’t really want to get into the nitty gritty of choosing and monitoring shares yourself.  Or maybe you’ve done a bit of that already and decided it wasn’t for you. Fortunately for you, most investors who build wealth in the share market don’t personally do the research, buying and selling.  As happens within your super fund, most people invest via a pooled fund where your money is combined with others and a process is used to spread your investment over many shares to reduce your risk. The most common way to achieve this is through either a Managed Fund or an Exchange Traded Fund (ETF). The difference between the two is that with a managed fund you apply to invest directly with the fund manager, quite possibly through an adviser.  And when you want to take your money out, you similarly apply to the fund manager for a redemption. Exchange Traded Funds however are bought and sold on the stock exchange.  This means you can buy and sell more quickly, but it also means you will need to pay some brokerage to your stock broker each time you do so. Another difference is that typically an Exchange Traded Fund is replicating a particular index, such as for instance the ASX200 – the largest 200 companies on the Australian Stock Exchange.  The composition of the portfolio within an Exchange Traded Fund is therefore determined by some sort of mechanical, computerised type process. Whilst some Managed Funds have this investment style too, more often Managed Funds will have a team of people doing research, and making buy and sell decisions based on this research.  Within the industry this is known as Active investing, whereas the approach used by most ETF’s is Passive investing. There is much debate within the investment industry as to whether Active or Passive approaches are best, and in my view each have their place.  But an important thing for you to understand at this point is that ETF’s are usually cheaper than Managed Funds with respect to the management costs associated with running them, and this is because their process for selecting which shares to buy doesn’t require research and analysts. The ETF market is growing increasingly popular, leading to considerable new product development.  Given ETF’s are usually cheaper than their managed fund counterparts, this development is likely to be a positive for share market investors.  

In today's podcast, Alex will look at how to adjust your portfolio because of the major cybersecurity breach that happened to Equifax. The breach was one of the largest in history and will likely have a large impact on major companies as they beef up security. How do you adjust your portfolio? That's what today's show is all about. During the show, he will review both an Exchange Traded Fund (ETF) called HACK and why the companies within the ETF are better bets than the entire ETF. Companies include: Symantec Cisco FireEye Morningstar HACK link with holdings - http://portfolios.morningstar.com/fund/holdings?t=HACK®ion=usa&culture=en-US If you have questions or comments, please send an email into alex.richwagen@gmail.com, or visit the website alexrichwagen.com Thanks! Alex

Enough people have hit their thumb with a hammer for you to know that it hurts quite a lot. You don’t need to do the experiment yourself. I’ve been helping people as a Financial Planner now for almost 18 years, and I’ve meet many, many wonderful people. Often people put off seeing a financial planner until they’re at some sort of cross roads – they’ve been made redundant, or retirement is rapidly looming, or they’ve separated from their partner. So prospective new clients often come in to see me with some baggage. Something that’s not working, or that they’ve put off dealing with, and that’s why they need our help. Of course over that time you see some common challenges that people face. Issues that repeat again and again. So today I’m going to share some of those with you, the product of my 18 years of helping people, so hopefully you can skip over these common financial mistakes, and reach your goals sooner. We’ve talked a lot so far in past episodes about strategies you can use to help get you to your goals and dreams. Getting a handle on your cash flow, the Survival and Capital strategy mix in moving to self employment, and things like side hustles. Equally helpful though in getting to whatever goal you’ve set, has to be avoiding financial mistakes that don’t need to be made.  Now don’t get me wrong, there are some things we have a go at, and they don’t quite work out as planned.  But we get really valuable learning from them.  I think you can often learn a whole lot more from things that don’t work out as you’d expected, than when things do just fall into place. But what we’re talking about today are mistakes that have been made by people over and over  again, and for which you can get the learning without having to repeat the exercise.   As I said at the top, enough people have hit their thumb with a hammer for you to know that it hurts quite a lot without you needing to do the experiment yourself. When I started planning for this episode, I wrote down a simple dot point list of the common financial mistakes that I see, and I came up with 12.  I’ll try to group them together a bit for ease of absorption. Let’s start with investing, because several of the most common financial mistakes fall into that broad category.  Number one is Procrastination.  Not starting.  I appreciate this can be a broader life problem, but for now I just want to focus on procrastination in an investment context. Whatever your Financial Autonomy goals are, having some wealth behind you is likely to make it easier to succeed.  The stronger your financial position, the more options you’re likely to have. Now building up some savings in a bank account is a really great start, and an essential foundation, but at some point those savings need to be put to work.  The problem is we fear the unknown, and even more so when the unknown involves money that we’ve worked really hard to save. But at some point you need to invest.  Buy some shares, or Exchange Traded Fund (ETF), or invest in a managed fund.  It doesn’t need to be enormous amounts to start with, more important is the learning. An element of the initial discussions we have with new clients is to discuss their risk tolerance or risk profile.  There is no exact science to this.  We have a series of questions we often go through with clients, but sometimes we just have a discussion about their past experiences.  The interesting thing is how people’s thoughts around risk vary depending on what they’ve experienced in the past. So for instance I spoke with a client recently who initially told me they were a fairly conservative investor.  Now in a Financial Planning context, a text book conservative investor would have somewhere less than half of their investment portfolio in shares and property, and somewhere north of half the portfolio in low risk things like bonds and term deposits. So this guy tells me he’s a conservative investor, but we then get into how he has invested his super and it’s 95% in shares.  So we have a discussion around that and he tells me that he just focuses on the dividends, he doesn’t worry much about the prices going up and down.  So when he says conservative, he means he only invests in shares that pay nice steady dividends.  To him, having a portfolio that is 95% in shares is conservative, whereas most people would consider that very aggressive. So why is he comfortable having such a large exposure to investments that fluctuate in value.  Well it’s because he’s invested in shares for over 20 years.  Has dabbled in things here and there.  Some have worked out, and some haven’t.  But over time he’s found what is comfortable for him, and what works for him.  So when markets had a tough time through 2008, he didn’t love it, but he didn’t get particularly distressed, and importantly he didn’t sell anything.  He could do that because he had experience investing, was familiar with the up and downs, and knew that his dividends wouldn’t change much, even if prices did. He’s a better investor now, because he has experience, and he has experience in investing because one day he made his first investment.  He made a start.  He got past procrastination.  So common financial mistake number one is, avoid procrastination – make a start. Mistakes 2 and 3 are opposite sides of the same coin.  Either investing too conservatively, or trying to be a share trader.  Of the two, I’d say the share trader approach is the one with the potential for the most damage in the short term, whilst investing too conservatively is more of a slow burn.  You don’t notice the damage initially, but 5 or 10 years out from retirement, you look at your super and realise it’s not going to get you to the lifestyle that you want. Let’s start with investing too conservatively.  The mindset goes, I don’t want to lose any money.  Therefore I can’t invest my money in risky things likes shares and property.  I need to keep my money in term deposits, or the low risk options in my super fund.  At the extreme end, maybe I keep it all in cash. Now whilst you think you’re protecting your capital from the potential for loss, in fact what you’re doing is baking in disappointment in the future. Some research done by annuity provider Challenger a few years back highlighted this really well. They focused on the risk that your savings will run out during your life time – ie. you run out of money.  They used historical return data from 1900-2013, so it covered a wide variety of economic conditions.  They then analysed portfolio’s with different compositions and considered the results based on drawing down at different rates.  They found: If you planned on drawing down on your retirement savings at the rate of 5%pa. a level we would typically suggest, and you wanted your retirement savings to last 25 years (retire at 65, money lasts through to age 90), were you to invest in the “low risk” option of 100% bonds and cash (ie. no shares), there is only a 34% chance of success.  That is, a 34% chance that your money will not run out during the 25 year period. If instead you were invested in a typical “Balanced” option, with 50% in growth assets such as shares, and 50% in defensive assets such as bonds and cash, the likelihood of success jumps to 69%. Still not certain enough?  Move up to 75% growth assets and the success rate rises further to 90%.  Interestingly though, move to 100% growth assets, and the success only increases 1% to 91%. These figures illustrate really well that investing too conservatively, in the traditional sense of minimal exposure to shares and property, is actually the most risky option from the perspective of having your money last throughout your retirement.  The same would apply to building assets to enable the achievement of your Financial Autonomy goals. In the downloadable Toolkit for this episode, I’ve include a piece on risk vs reward that I think you might find really useful, so be sure to visit the financialautonomy.com.au web site to grab that. But as mentioned, there is another side to this coin, and that is the day trader.  If you bump into one of these people socially, run a mile.  There are all sorts of books and bits of software that claim to teach you how to make your fortune trading shares, or sometimes things like foreign currencies or futures contracts.  At the heart of this approach is a belief that you are smarter than the market as a whole (or can be taught some secret formula to make you smarter than the market), and so you can buy shares in the morning, sell then in the afternoon, and make money.  Some people might hold their shares for multiple days, some even weeks.  But the process is the same – they are not buying the share because they have a belief in the prospects for the company, but rather it’s just a trading item. What people who embark on this common financial mistake fail to appreciate is that every time they buy or sell, there is someone else on the other side of the transaction doing the opposite thing.  So for you to win at this game, you need to know something that the person on the other side of the trade doesn’t know.  And because every time you trade, you will have to pay some sort of transaction cost, usually brokerage but also the buy/sell spread, you need to be right a lot.  By chance you’d hope to be right 50% of the time.  To recover your transaction costs and make the whole enterprise financially sensible, you’d need to get that up to 60% as a minimum I would think. So who are the dummy’s on the other side of your trade?  Well increasingly they are super-fast computers that identify opportunities to buy and sell in 100th’s of a second.  Are you going to beat them consistently? If it’s not a computer on the other side of your trade, then the next most likely person on the other side will be a trader acting for a professional investor like a super fund.  Here the fund manager has determined that the appropriate action is to buy or sell a particular stock, and then a professional trader is engaged to carry this out at the best possible price.  Fancy beating that combination on a consistent basis?  Amazingly, day traders think they can. When investing, get started, but don’t be too conservative, and don’t be duped into believing you can be a millionaire overnight by share trading.  These are our first 3 common financial mistakes, and with that I think we’ll leave the investment bucket. In the 2nd part of How to avoid the most common financial mistakes, I’ll share with you another 4 common mistakes, focusing mainly cash flow mistakes people make. I’ve put together something of a bumper toolkit for this and the next 2 podcasts, covering all 3 parts of this series on common financial mistakes.  I have the 12 most common financial mistakes listed so you can tick them off as you’re confident you’ve worked through or around them. I’ve also included the Budget tool to help you get your cash flow under control, a piece on risk vs. reward, useful books, personal insurance options so you can cut through the jargon in this area, and a piece on SMART Goals.  So hopefully tonnes of usefulness in there.  It’s the biggest toolkit I’ve ever produced.  So be sure to visit the financialautonomy.com.au website and grab your copy. And finally, a quick note to let you know that from here on we’ll be getting new episodes out to you each fortnight.  We’ve had an initial flurry since our launch – so many ideas I wanted to share with you, but I need to get a bit more disciplined and of course I don’t want to compromise on quality, so from here on, expect a new episode to drop into your podcast app every two weeks.

Welcome to another episode of Wall Street Unplugged.   Marin is back!   For those unfamiliar, Marin Katusa, the founder of Katusa Research, is probably the most connected guy in the resource industry.   As always, he comes on the show to give listeners his insight and full updates in the gold, uranium, and energy industries.   Coming from a guy who is usually bullish when it comes to junior miners… Today, Marin is taking a completely different stance.   You heard that right.   Marin, who focuses 100% of his time on the resource sector, is giving investors a fair warning.   “A tsunami of selling is coming to the junior mining sector.”   And oddly enough, it has nothing to do with the companies themselves.   The rising issue for junior miners lies behind a major rebalancing of a popular Exchange Traded Fund (ETF) known as the VanEck Junior Gold Miner (symbol GDXJ).   Marin is here to give you all the details of this developing story… and explain why this already weak sector will get even worse.   In a matter of weeks, Marin expects these small-cap stocks can plummet as far 25%-50%.   However, as Marin explains, this news will lead to a chain reaction that is “music to our ears…”   “You want to buy when others are forced to sell,” he says.   This will be one of those rare market opportunities where investors can buy some of the world’s most valuable junior gold companies for pennies on the dollar.   Marin and I then talk about the one and only Northern Dynasty (NAK). Marin’s been closely studying this stock for over two years now. In fact, he’s the one who initially introduced me to it when the stock was at only 40 cents.   Now that the long awaited EPA agreement with the company has finally been settled, to end the episode, Marin shares with us NAK’s biggest catalyst going forward.   Let’s not forget: We’re talking about the world’s largest undeveloped copper and gold mine here. It’s just the beginning.   Also, don’t sign off when Marin leaves…   99% of investors, even Marin, are bearish when it comes to the oil and gas industry. But not me. On this week’s Educational Segment, I explain why we should all be aggressively buying in the sector before OPEC comes out with another game-changing announcement.   Good Investing,   Frank Curzio

An Exchange Traded Fund (ETF) is a security that owns a basket of assets (like stocks or bonds), the ownership of which is divided into shares. It is often compared with a “mutual fund,” as a mutual fund is also a basket of assets. One of the main differences between the two, however, is that an ETF trades on an exchange (like the New York Stock Exchange) throughout the trading day. A regular (or “open end”) mutual fund, on the other hand, normally only trades once a day. All the investors in a mutual fund will get the same price when the fund trades at the end of the day. Why do people invest in ETFs? Since the ETF encompasses many different assets divided into shares, it has built-in diversification. There are different types of ETFs specializing in different sectors, so you can choose the type of ETF that suits you. As ETFs are a marketable investment, they can be traded throughout the day. ETFs tend to cost less than mutual funds because they aren’t actively managed, and so their fees are lower. What you need to know when considering an ETF ETFs are not risk-free, as they are affected by market volatility. Moreover, if you own an ETF that holds stocks, you are exposed to the stock market. The fact that the ETF is diversified is in no way a guarantee of your principal. If you’re considering an investment in any fund, be sure to read the prospectus before investing. For more information about ETFs, listen to a 9-minute podcast at: www.profile-financial.com/ETF

Simon Shares Grindrod (JSE code: GND) just hit multi-year lows trading just above 900c with a net asset value (NAV) of over 2200c. Don't fight the trend, especially on cyclical stocks. RBA (JSE code: RBA) went bust on Tuesday. Of the three; RBA, Seakay and Calgro M3 (JSE code: CGR) only Calgro M3 remains. Lesson is simple. Go back five years, Calgro M3 was by far the best of the three, always buy the winners. Volatility, lots of it. Welcome to bear markets, they move fast and trading them is tough, very tough. Eugene Chemaly - Afrifocus Securities Chris asks "how does one protect cash?". Preference shares are debt instruments issued by banks and others that pay set dividends linked to the prime rate. Typically trade at discount to their cash levels and have no market makers meaning capital loss is possible. In an ideal world they would offer no gain or loss, but reality is different. New Basel 3 rules may see preference shares phased out by the issuers (via repurchase) and there is a risk that the budget speech will see an increase in the dividend withholding tax rate (currently 15%). PREFTX is the Exchange Traded Fund (ETF) or individual ones liked by Afrifocus are; Discovery and the three form Investec. We Get Mail Thando Jean Pierre Verster mentions that hedge funds will be available to us mini-me retail investors this year. What was that about? Sandra What will the TFSA be increased for next year? Chris How does one protect cash?  === JSE – The JSE is a registered trademark of the JSE Limited. JSEDirect is an independent broadcast and is not endorsed or affiliated with, nor has it been authorised, or otherwise approved by JSE Limited. The views expressed in this programme are solely those of the presenter, and do not necessarily reflect the views of JSE Limited.

Nerina Visser ETF strategist at ETFSA.co.zaWe discuss building an Exchange Traded Fund (ETF) portfolio with either; R300 monthly, R1,000 monthly or a larger lump sum. The end of the conversation is also around tax and in particular the R30,000 tax free CGT and how one can make use of it. ETFs and ETNs covered include; BBET40, DBXWD, PTXTEN, RMBINF, STXDIV, DIVTRX, LVLTRX and SBAEI. Q&A with Keith MaCachlan of Alpha Wealth and SmallCaps.co.zaA half session with listener driven questions. We cover different investment models, risk free rate, small cap liquidity risk, management, investing as an art or a science and more. Link for the weekA Dozen Things I've Learned from Joel Greenblatt about Value Investing Subscriber to our feed here or sign up for email alerts as a new show goes live or subscribe in iTunes.

Join ISE's Index and ETF Manger Mark Abssy for a discussion on Exchange Traded Fund (ETF) liquidity.

Join ISE's Index and ETF Manger Mark Abssy for a discussion on Exchange Traded Fund (ETF) liquidity.