Podcasts about investment basics

Did President Trump just nuke the stock market with his tariffs. President Trump may have a hidden agenda?  Joe Cantu, describes 6 factors to offset tariffs. #1 currency adjustments,  #2. And talking about company supply chains, diversification. #3. As nations, we can negotiate with each other. Actually, lower tariffs. The amazing things that actually lowers inflation.  When both parties remove their tariffs, it leads directly to lower prices and lower inflation.  #4 subsidies to local industries could be provided. The United States could give tax breaks and money to local industries to alleviate the burden of tariffs #5. Alternate country shifts we may look to other countries to strengthen new trade relations, which could offset losses from tariffs. #6. Lowering Interest rates provide numerous benefits and may be one of President Trump's hidden weapons. After all, he was a real estate tycoon, and he absolutely loves low interest rates. 6th factor to offset tariffs, which is the most powerful.  So, in conclusion, remember in President Trump's first term we had low gasoline prices. Were energy Independent. We had lower taxes; we had low inflation and low interest rates. Now, I believe these tariffs may be a method to his madness. Again, because there are several avenues to explore currency adjustments. Supply chain diversification negotiations with the US could lower tariffs and that leads directly to lower inflation. He could provide subsidies to lower the price of goods. For our products and services as a vendor, we can shift to other countries for our products. And finally, lowering interest rates has numerous advantages for businesses and inflation. So, you see, it is possible that its madness may lead to lower prices and inflation these tariffs. Are just one chapter, and President Trump's book. It's just being written. Let's see how it ends. And let's not panic.Podcast views and personal opinions are for educational and entertainment purposes only and does not constitute a recommendation. Investing has risk of loss and you should consult with your own advisors for any financial decisions. Cantu Tactical Wealth Management and Joe Cantu are a fiduciary firm and registered investment adviser in the States of California, Florida, Georgia and Texas providing pure independent advice and money management.https://youtu.be/UrYxlJ31r2I Youtube Link:

AXA IM Select's Lorna Denny sat down with Colin Graham from Robeco, to provide a clearer idea of what multi-asset investing means and why it can make sense for investors looking to build a balanced portfolio. The fourth in our Investment Basics podcast series, it's ideal for those starting out on their investing journey but should also prove useful for more experienced market participants. Happy listening! This podcast is intended for professional investors, and must not be shared with a non-professional audience. Not for Retail distribution: This marketing communication is intended exclusively for Professional, Institutional or Wholesale Clients / Investors only, as defined by applicable local laws and regulation. Circulation must be restricted accordingly. This marketing communication does not constitute on the part of AXA Investment Managers a solicitation or investment, legal or tax advice. This material does not contain sufficient information to support an investment decision. It has been established on the basis of data, projections, forecasts, anticipations and hypothesis which are subjective. Its analysis and conclusions are the expression of an opinion, based on available data at a specific date. All information in this document is established on data made public by official providers of economic and market statistics. AXA Investment Managers disclaims any and all liability relating to a decision based on or for reliance on this document. All exhibits included in this document, unless stated otherwise, are as of the publication date of this document. Furthermore, due to the subjective nature of these opinions and analysis, these data, projections, forecasts, anticipations, hypothesis, etc. are not necessary used or followed by AXA IM's portfolio management teams or its affiliates, who may act based on their own opinions. Any reproduction of this information, in whole or in part is, unless otherwise authorised by AXA IM, prohibited. Past performance is not a guide to current or future performance, and any performance or return data displayed does not take into account commissions and costs incurred when issuing or redeeming units. References to league tables and awards are not an indicator of future performance or places in league tables or awards and should not be construed as an endorsement of any AXA IM company or their products or services. Please refer to the websites of the sponsors/issuers for information regarding the criteria on which the awards/ratings are based. The value of investments, and the income from them, can fall as well as rise and investors may not get back the amount originally invested. Exchange-rate fluctuations may also affect the value of their investment. Due to this and the initial charge that is usually made, an investment is not usually suitable as a short term holding. Issued in the UK by AXA Investment Managers UK Limited, which is authorised and regulated by the Financial Conduct Authority in the UK. Registered in England and Wales No: 01431068. Registered Office: 22 Bishopsgate London EC2N 4BQ In other jurisdictions, this document is issued by AXA Investment Managers SA's affiliates in those countries.

We speak to a first-time investor who is planning to purchase a Japanese investment property under a newly established corporate entity, in the hope that, eventually, he'll be able to leverage the structure for investment loans from Japanese lenders - how does it all work, and also - what should he consider when looking for potential investments? Tune in and find out!

AXA IM Select's Lorna Denny sat down with J.P. Morgan's Vincent Juvyns to discuss the aim of diversification in relation to investments and how this can help to keep a portfolio resilient during market ups and downs. The third in our Investment Basics podcast series, it's ideal for those starting out on their investing journey but should also prove useful for more experienced market participants. Happy listening! This podcast is intended for professional investors, and must not be shared with a non-professional audience. Not for Retail distribution: This marketing communication is intended exclusively for Professional, Institutional or Wholesale Clients / Investors only, as defined by applicable local laws and regulation. Circulation must be restricted accordingly. This marketing communication does not constitute on the part of AXA Investment Managers a solicitation or investment, legal or tax advice. This material does not contain sufficient information to support an investment decision. It has been established on the basis of data, projections, forecasts, anticipations and hypothesis which are subjective. Its analysis and conclusions are the expression of an opinion, based on available data at a specific date. All information in this document is established on data made public by official providers of economic and market statistics. AXA Investment Managers disclaims any and all liability relating to a decision based on or for reliance on this document. All exhibits included in this document, unless stated otherwise, are as of the publication date of this document. Furthermore, due to the subjective nature of these opinions and analysis, these data, projections, forecasts, anticipations, hypothesis, etc. are not necessary used or followed by AXA IM's portfolio management teams or its affiliates, who may act based on their own opinions. Any reproduction of this information, in whole or in part is, unless otherwise authorised by AXA IM, prohibited. Past performance is not a guide to current or future performance, and any performance or return data displayed does not take into account commissions and costs incurred when issuing or redeeming units. References to league tables and awards are not an indicator of future performance or places in league tables or awards and should not be construed as an endorsement of any AXA IM company or their products or services. Please refer to the websites of the sponsors/issuers for information regarding the criteria on which the awards/ratings are based. The value of investments, and the income from them, can fall as well as rise and investors may not get back the amount originally invested. Exchange-rate fluctuations may also affect the value of their investment. Due to this and the initial charge that is usually made, an investment is not usually suitable as a short term holding. Issued in the UK by AXA Investment Managers UK Limited, which is authorised and regulated by the Financial Conduct Authority in the UK. Registered in England and Wales No: 01431068. Registered Office: 22 Bishopsgate London EC2N 4BQ In other jurisdictions, this document is issued by AXA Investment Managers SA's affiliates in those countries.

In my book "What's Your Plan?", I explore the intricate dance of financial decision-making. On this episode, I've summarized a few choice chapters, shedding light on the common traps we fall into without a solid plan. Knowledge is wealth, and I'm here to help you accumulate it!  "Give your kids what they need, not what they want. Be a parent. Don't tell your kids to go get a $100,000 degree when they're going to come out making $25,000." What you will learn: Saving for Your Future Risk and Reward Basics Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website -- Investing involves risk, including loss of principal.    Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone.  Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Balance between passion and pragmatism? Addressing the often ambiguous line between collecting for pleasure and investing for profit, underscoring that both can coexist with the right insight and strategy. Highlighting the implications of inflation and the significance of surpassing a 5% annual return, the benchmark of risk-free investments, to truly deem sports card collecting a fruitful investment. He advises on the art of acquisition — advocating for the purchase of cards at appealing values rather than market highs and outlines the advantages of buying in bulk for discounts without compromising on quality. Comparing sports card investing to traditional investments like real estate, employing real-life analogies to demystify the concept of value growth over time. Practical advice on expanding one's collection smartly, stressing the joy of collecting, the intricacies of trading, and the criticality of purchasing decisions on long-term investment outcomes. 00:49 The Essence of Collecting: Passion, Investment, and Skill 01:27 Navigating Inflation and Investment Basics in Card Collecting 02:35 Strategies for Smart Investing in Sports Cards 03:42 The Power of Buying Collections and Making Smart Purchases 08:11 Understanding the Market and Making Informed Decisions 12:28 Trading Cards: The Social Aspect and Investment Considerations

In this dynamic roundtable episode of the Investing RN Podcast, Colin Davis, Josh Condado, and Jenn Davis share invaluable insights on leveraging investment opportunities for healthcare professionals. The conversation dives into creative finance strategies, the importance of networking, and real-life experiences in mobile home park investments. They unravel the complexities of navigating investment landscapes and offer practical advice for healthcare workers aiming to diversify their income streams. Tune in to this enlightening discussion to explore how you can elevate your financial well-being beyond traditional healthcare roles.  "Getting in the game changes everything. Start, and you'll find creativity and opportunities unfold in ways you never expected." What you'll learn:(00:00) Highlight(00:50) Welcome & Intros(04:05) Nurse to Investor(08:20) Investment Basics(13:35) Financial Challenges(17:50) Income Avenues(22:20) Success Spotlights(26:50) Investment Tips(31:35) Listener Q&A(35:50) Future Outlook(39:05) Key Takeaways(41:50) Closing Thoughts(43:50) Farewell Note

Continuing our popular podcast series on investment basics, this episode brings together our own Lorna Denny with Patrick Brenner, Head of Multi-Asset Investments at Schroders. Knowing about different types of risk can help investors to make more informed decisions about where they want to put their money, allowing them to assess whether potential risks align with their own risk tolerance and investment goals. This podcast is intended for professional investors, and must not be shared with a non-professional audience. Not for Retail distribution: This marketing communication is intended exclusively for Professional, Institutional or Wholesale Clients / Investors only, as defined by applicable local laws and regulation. Circulation must be restricted accordingly. This marketing communication does not constitute on the part of AXA Investment Managers a solicitation or investment, legal or tax advice. This material does not contain sufficient information to support an investment decision. It has been established on the basis of data, projections, forecasts, anticipations and hypothesis which are subjective. Its analysis and conclusions are the expression of an opinion, based on available data at a specific date. All information in this document is established on data made public by official providers of economic and market statistics. AXA Investment Managers disclaims any and all liability relating to a decision based on or for reliance on this document. All exhibits included in this document, unless stated otherwise, are as of the publication date of this document. Furthermore, due to the subjective nature of these opinions and analysis, these data, projections, forecasts, anticipations, hypothesis, etc. are not necessary used or followed by AXA IM's portfolio management teams or its affiliates, who may act based on their own opinions. Any reproduction of this information, in whole or in part is, unless otherwise authorised by AXA IM, prohibited. Past performance is not a guide to current or future performance, and any performance or return data displayed does not take into account commissions and costs incurred when issuing or redeeming units. References to league tables and awards are not an indicator of future performance or places in league tables or awards and should not be construed as an endorsement of any AXA IM company or their products or services. Please refer to the websites of the sponsors/issuers for information regarding the criteria on which the awards/ratings are based. The value of investments, and the income from them, can fall as well as rise and investors may not get back the amount originally invested. Exchange-rate fluctuations may also affect the value of their investment. Due to this and the initial charge that is usually made, an investment is not usually suitable as a short term holding. Issued in the UK by AXA Investment Managers UK Limited, which is authorised and regulated by the Financial Conduct Authority in the UK. Registered in England and Wales No: 01431068. Registered Office: 22 Bishopsgate London EC2N 4BQ

Not all income is created equal! Whether it's PAYG, income from your personal business or returns from investments, lenders will look at you differently depending on the income source you bring to the table. Let's Wealth Coffee Chat!

Host(s): Dr. Nancy Lottridge-Anderson, President of New Perspectives, Ryder Taff, Portfolio Manager with New Perspectives & Kevin Farrell, ProducerTopics Discussed: Investment BasicsEmail: money@mpbonline.org. Hosted on Acast. See acast.com/privacy for more information.

Architas's Lorna Denny sat down with Capital Group's Claire Swinden to discuss how investors might approach their investment goals and the importance of investment planning. Concise and highly informative, it highlights some essential issues for consideration as well as providing investors with a helpful checklist. The first in our Investment Basics podcast series, it's ideal for those starting out on their investing journey but should also prove useful for more experienced market participants. Happy listening! This podcast is for information purposes only and is intended to broaden listeners' awareness of financial markets and no part of the materials should be construed to represent financial advice or an offer to buy, sell or otherwise participate in any investment activity or strategy. The content is based on information sources that are deemed reliable at the time of recording. Architas has no express or implied warranty, guarantee or statement as to the accuracy, suitability or completeness of the information provided. All rights are reserved. Without the prior consent of the copyright holder, no part of this podcast in any form or by any means is allowed to be published, copied or emailed or stored in an information system. These materials originate from Architas Limited ("Architas"). Architas is a company registered in England No. 02638607, registered office: 20 Gracechurch Street, London, EC3V 0BG. These materials are not intended for audiences in the United States of America.

Russell Harris and Brian Ransom are back with former intern, now associate financial advisor, Ian Payne! Brian's 2 truths and a lie on YTD indices (2:10). What is a 401(k) vs. (403b) (08:16). Traditional and Roth IRAs (30:28). Stock bonds vs. mutual funds (44:19). Life insurance and real estate (47:50). In conclusion (57:29).Send us your questions! Email: info@signaturewmg.com.Learn more at signaturewmg.com

Chris McCann of Blevins Franks International Tax and Wealth Management talks to Howard Brereton #Wealth #Tax #WealthManagement #Spain #Expat #Brexit

Thinking about starting your own business? One of the first things to consider is what form of business structure best suits your interests. CIBC US Senior Wealth Strategists, Ryan Coulson and Halsey Schreier, walk through the features and benefits of sole proprietorships, partnerships, corporations and limited liability companies (LLC).

In this week's episode, Lynn shares an overview of investing basics. Many of us women find ourselves a little confused when it comes to all the various investing terminology and strategies. While we believe an investment advisor is helpful to have during your accumulation years, a retirement advisor who understands how to create a “retirement optimized” investment strategy is VERY important. While you can certainly learn and manage your own investments, this is a time-consuming endeavor. While most of us won't be managing our own investment portfolios and implementing retirement strategies, it is very important to at least understand the basic components of investing and the various investment options and how they work. When you know more, you can have more.

Sarah Ponder joins us from Real Estate Wealth Planning. Sarah helps Realtors® and real estate professionals find true financial freedom through comprehensive financial life planning. Listen in as she offers her expertise and some special tips on how you can plan for your financial freedom! Here are some of the links that we wanted to share for you all. Website - http://realestatewealthplanning.com/ Book an appointment - https://calendly.com/sarah-rewp?month... FREE workshop 7/11 - https://realestatewealthplanning.com/... Investment Basics guide - https://docs.google.com/document/d/1s... Join our FREE Facebook group for real estate agents - www.Facebook.com/groups/themodernrealestateagent

Chris McCann of Blevins Franks International Tax and Wealth Management talks to Howard Brereton #Wealth #Tax #WealthManagement #Spain #Expat #Brexit

Converting traditional IRAs (individual retirement accounts) into Roth IRAs has been a hot topic of conversation for people of all ages in recent years. Whether taking advantage of the current low income tax rates, or making the smartest choices in estate planning, many investors are turning to Roth conversions when planning their retirements. Ryan and Halsey discuss how this move can minimize the taxes owed on your retirement savings and maximize the money for both you and your inheritors.

What you need to know about investments and how to have a solid financial plan.

EPISODE DESCRIPTIONTaxes, Retirement Income, Social Security, Investment Basics, and Property Taxes.Brandon Allen Bergeron, Wealth Advisor with Gregory Ricks & Associates joins the show.Winning at Life Show Contributor joins the show.CPA Jude Heath with J Heath & Co., LLC. (11am hour) Gregory and Jude discuss tax efficiency in retirement.Caller questions include:Pension + Property TaxesROTH IRAESG Scores & Digital CurrencyDaughters Student Loans

In this episode, host Srijan Bharadwaj shares his investing order of operations so that one can cover their investment basics and how to calculate their own net return. Tune in to this episode to know more!

Week 9 Investment Basics Assignment ReviewThe Perfect InvestmentIn this week's assignment, you'll learn a few important basics about investing, including asset classes. Over the next two weeks, you'll learn the 4 Investment Strategies designed to maximize returns in your portfolio while minimizing risk. Retirement AnalysisYou will incorporate what you learn in the investment section of this course by using your financial plan (Retirement Analysis) to highlight your probability of success before and after applying what you learn about investing into your plan.The Perfect InvestmentWell, there may not actually be a “perfect” investment, but matching funds in your 401k comes as close as anything I've ever seen. 401K MatchMany companies offer to match money we put into retirement accounts, and that's free money! It doubles your income immediately, and it will multiply your savings over time. Sadly, I've known a number of people who didn't take advantage of this incredible opportunity. If your employer offers it, do whatever you need to do to get the maximum you can get. You might not be able to afford the latest gadget for your computer, the newest iPhone every time a new one comes along, but you'll have something far more valuable: peace of mind that your future is looking good!How it Works- Get The Match!- Tax Deduction- 15% Baby Step- $100k ExamplePlanning PortalLogin to your Planning Portal and take a quick look at your Retirement Analysis.- Take a Screenshot showing your Probability of Success - Before Moving Forward - Grab a screenshot of your Probability of Success - Include the Action Items dropdown list - Grab a screenshot of your Income Data Cards - Grab a screenshot of your Savings Data Cards - Grab a screenshot of your Expenses Data CardsAdd your 401k to your planBased on your Dream Job, be sure to include…- How much will you be investing in your 401K? - What is your company “Match”? - What is your goal for Retirement? - Age? - Monthly Income? - How are you feeling about reaching that goal?Take a closer look at your Plan - List Three Options can you consider to improve the probability of success in your plan.- Grab a new Screenshot for your Retirement Analysis - How did your options “move the needle” on your probability of success?Include a screenshot for this week's Quiz

As the non-planner of your family, you may not be interested in all the nitty-gritty details of retirement investments, but it is important to know the basics. That's why today we will cover the main concepts about investing your assets. Hopefully, my nutrition analogy will help make these financial concepts more understandable. Press play to hear what you need to know about investment basics for the non-planner.  Investing in retirement is all about solving for risk Last week you learned how inflation and market volatility are the two risks to overcome when investing in retirement. Solving for these risks are the most important part of creating a retirement portfolio.  To explain retirement investing, I like to think of nutrition. When you eat you solve the problem of being hungry now, but you also solve the problem of getting nutrients to your body to help ensure that you stay healthy in the future. Investing also serves to help you in the short and long-term. How are you nourishing your investments in the short-term and the long-term? With every meal you eat you are investing in your short-term energy. The vitamins and minerals that you may take help you invest in your long-term health. We keep enough cash and bonds on hand to sustain ourselves for the next 1-5 years and protect from market risk.  Stocks and real estate investments can have ups and downs which can be scary in the short term but in the long-term they help to hedge against inflation.  Ask your financial planning partner how you are nourishing your investments in the short-term and the long-term. The building blocks of investment It is important to learn the building blocks of retirement investing. Building a retirement portfolio is much like building a meal. There is the salad, the main course, and the dessert. Short-term investments are the funds that you plan to use within 1-5 years, mid-term investments will be used within 5-10 years, and long-term investments are funds that you don't plan to use for more than ten years. Listen in to learn how these different investments are like building a meal. Be sure to join us in October for the Taxes in Retirement series Make sure to join us next month as we dive into taxes in retirement. We have certainly covered this topic before, but a lot has changed since the last time we discussed taxes. We'll explore proposed tax law changes and discuss how that could affect you and your retirement.  Andy Panko from the Taxes in Retirement Facebook Group will join me over the course of the entire series. If you are really looking to nerd out on taxes, then don't miss the episode with Wade Pfau who joins me to discuss his tax management academic research. If you are a part of the RRC you'll get the added benefit of having both of these guests in the Clubhouse for meetups.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [3:30] An investment analogy [10:04] How to invest for the short and long-term [18:25] The building blocks of investment Q&A WITH NICHOLE [22:51] What are some solutions to the Social Security funding problem [29:19] The Rock Retirement book has been helpful to Steven [33:32] Why I haven't covered the sale of a business to fund retirement [35:25] Will Jim's retirement strategy work? TODAY'S SMART SPRINT SEGMENT [40:24] Think about how you will pay for life in the short-term, mid-term, and long-term Resources Mentioned In This Episode Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger's Retirement Learning Center

An administration change typically leads to a change in our nation's tax laws. But the legislative process for this is complex, and may lead to less sweeping changes than expected. Ryan and Halsey explore this process together and discuss what to look out for when it comes to your personal finances.

Losstarten in die Investorinnenreise. Jana Misar nimmt sich der Einstiegsbegriffe zum Investieren an. Unkompliziert mit ansprechenden, leicht verständlichen Beispielen und Vergleichen aus dem täglichen Leben erfahren wir, was eine Aktie tatsächlich ist. Anschaulich wird erklärt, warum beim Investieren Fragen zu stellen und kritisch zu sein genauso wichtig ist, wie wenn man bei einer Freundin nachfragen würde, die ein Investment in ihr Business anbietet. Schnell wird der Unterschied zwischen guten und riskanten Aktien klar. Jana zeigt verschiedene Arten mit Aktien Geld zu verdienen auf, und erklärt Begriffe wie Kurssteigerungen, Dividenden und Optionen. Die Börse als Marktplatz wird ebenso verständlich dargestellt, wie die Schritte, die es benötigt, um ein Depot anzulegen und an der Börse überhaupt zu handeln. ✨Hier geht es zur Female Investor Academy ✨ https://female-investor.com/ ✨Zur kostenfreien Online Class: "Smarter Vermögensaufbau mit Aktien für Frauen" ✨ https://female-investor.com/online-class/ ✨Vernetze Dich mit Jana Misar ✨ Instagram von Jana Misar: https://www.instagram.com/janamisar/?hl=de Female Investor Facebook Gruppe: https://www.facebook.com/groups/femaleinvestor/ Facebook von Jana Misar: https://www.facebook.com/profile.php?id=100063793021141 ✨Du möchtest eine Frage einreichen ✨ Dann schreib uns gern hier Deine Fragen & Wünsche: https://bit.ly/3sWwe2h Viel Freude & Inspiration wünscht das Female Investor Academy Team!

Statistiken zufolge sollen 90% aller Trader nach Steuern und Gebühren Geld verlieren. Hier lernst du über fünf fundamentale Investment-Basics, um bessere finanzielle Entscheidungen im Kryptomarkt treffen zu können.   ▶ KRYPTO-RABATTE: https://kevinsoell.com/rabatte ❤️ ▶ DISCLAIMER: https://kevinsoell.com/impressum ⚠️

Are you curious about crypto? There's been a tremendous amount of hype about how cryptocurrencies are the “next big thing” in the digital revolution, and how they have the potential to transform not just traditional financial services, but also other industries. A number of high-profile celebrities have endorsed both cryptocurrencies and crypto companies. There are also watercooler stories that most of us may have heard, such as the one about the crypto millionaire who made a fortune overnight, and then lost it all just as quickly. Even the president of El Salvador had his crypto moment in the spotlight when he declared Bitcoin would be legal tender in his country. But as many new crypto investors have learned, cryptocurrencies are extremely complex and difficult to understand, which can make them especially challenging for potential investors. As with any investment, we recommend starting with the basics, which is why we've put together an overview of some of the essential cryptocurrency concepts to help you get started. What are cryptocurrencies?Bitcoin, the first cryptocurrency, was created by Satoshi Nakamoto, which is a pseudonym for the person or team who wrote about the technology in a 2008 whitepaper. The basic concept is relatively simple: Bitcoin is a form of digital cash that allows for secure and seamless peer-to-peer transactions across the internet. Cryptocurrencies are not issued by a government, and there is no central authority providing oversight. Instead, cryptocurrencies are managed by peer-to-peer networks of computers, which run on free, open-source software. While Bitcoin is the oldest, largest, and most established cryptocurrency, there are now thousands of others. Some have a similar design and purpose as Bitcoin, while others are based on different technologies or were created with other functions in mind. For example, Ethereum is a cryptocurrency that can be used to run applications and create contracts. The blockchain ledgerThe blockchain is an essential feature of many cryptocurrencies. It is similar to a bank's balance sheet or ledger because it keeps a record of every on-chain transaction. However, unlike a bank ledger, the blockchain is distributed across the entire network of computers. The mining processMost cryptocurrencies are mined through a decentralized network of computers. With Bitcoin and many other cryptocurrencies, miners collectively work to verify and record new transactions and create new units of cryptocurrency by solving complex mathematical equations using specialized computers known as mining rigs. Determining consensus and securing the blockchainBecause cryptocurrencies operate without a central authority processing transactions, they must ensure that the same unit of cryptocurrency can't be spent twice. They do this with a system called the consensus mechanism, which allows all of the computers in the network to agree on which transactions to include in the blockchain. Proof of work and proof of stake are the two major consensus mechanisms that cryptocurrencies use to verify new transactions, add them to the blockchain and create new tokens. Proof of workProof of work is the protocol used by Bitcoin and is proven to maintain a secure and decentralized blockchain. With proof of work, miners compete to solve complex mathematical puzzles. The winner gets to update the blockchain and is rewarded with cryptocurrency. However, proof of work requires a significant amount of energy and can be difficult to scale.Proof of stakeProof of stake generally relies on a network of validators who contribute or stake their own cryptocurrency in exchange for the chance to validate new transactions and earn a reward in a process that is similar to that of proof of work. However, because proof of stake blockchains do not require miners to perform energy-intensive, duplicative processes (competing to solve the same puzzle), the networks require substantially less energy to operate. Where do cryptocurrencies get their value?The economic value of cryptocurrency is based on supply and demand. Supply refers to how much is available. In the case of Bitcoin, there is a finite supply—there will never be more than 21 million Bitcoin available. Conversely, demand refers to how much people want the cryptocurrency, and what they are willing to pay for it. The value of a cryptocurrency is determined by a balance of both of these factors. Cryptocurrency risksThere are many risks associated with cryptocurrencies, especially for investors. Cryptocurrency prices have historically been volatile, and wild price fluctuations can result in significant losses and stress. Cryptocurrency transactions cannot be reversed, unlike bank transactions. This means if you make a mistake and enter the wrong amount or address, you could risk losing your cryptocurrency and may not be able to get it back again.It is also important to note that cryptocurrencies are relatively new, and there are many nuances that are not widely understood yet. Issuance and trading are not well regulated, which means additional oversight and regulation is likely in the future. Should you invest in cryptocurrencies?Bitcoin and other cryptocurrencies are speculative investments and don't fit within traditional asset allocation models. They are not a commodity (such as gold), nor are they a traditional fiat currency, backed by a government. Additionally, cryptocurrencies are difficult to value as most traditional valuation metrics don't apply. Though some traders have been successful taking advantage of the changes in prices of Bitcoin or other cryptocurrencies, we believe most investors should treat cryptocurrency as a speculative asset class to be traded outside of a traditional long-term portfolio. 

As the Covid-19 pandemic seems to be in its final phase, the world in its wake is a much different place. How will this affect our investments moving forward? ESG factors are helping companies adapt to a tumultuous year. Environmental and health-conscious business models are the new norm, and diversity in leadership and representation has begun to dominate corporate priorities. Will the trials of 2020 lead to sustainable change? Or do the grand gestures of today fade away to "business as usual" tomorrow? We're joined by the Head of ESG and Impact Investing John Tennaro to discuss.

Welcome to the Her Two Cents Podcast where your hosts Laura Webb and Faith Doyle come together as two female financial advisors with over 40 years of collective experience to provide a multigenerational perspective on all things money. Our goal is that through these conversations, we can normalize the way women talk about and view money. If it’s all about the Benjamins, then how do you make them grow? A great place to start is: learning about your different investment options, what types of risk and opportunities you have with those choices, and how to match them up to your time horizon and specific goals. Our conversation on investment basics breaks down two of the essential categories of investments: stocks and bonds; to give you a better understanding of what those terms mean. Then we focus on the potential risk and rewards of each. Plus, we share why the adage of: "not putting all your eggs in one basket" is a good one when it comes to investing. Finally, Laura and Faith divulge why leaving your money in cash for long-term goals might be a bad idea. See omnystudio.com/listener for privacy information.

When investing, you want your money to grow. Active management and passive management are two distinct options available to you as an investor. Generally speaking, passive investing tends to be cheaper and easier, with portfolios frequently matching the ups and downs of the overall market. Actively managed portfolios are maintained by money managers who make decisions to allocate funds with the goal of a higher rate of return. If you choose to invest your funds in an actively managed portfolio, what considerations should keep in mind when choosing your money manager? We discuss this and more with Managing Director Kishore Setty, CFA.

When it comes to taxes, it pays to plan ahead. Don’t wait until the end of the year to start thinking about your income tax. You have the potential to save big on your tax bill by understanding what your tax situation is likely to be ahead of time and identifying strategies for deductions.

If there are causes you feel strongly about that you wish to support financially, charitable giving is likely an important consideration when setting your near- and long-term financial goals. While donating money to your favorite charities can be as simple as writing a check, there are various other options available to you for making charitable contributions that may reduce your current and future tax obligations and create a legacy of philanthropic giving.

Although giving and receiving gifts is a tradition that most people have participated in their entire lives, you may not often think about how gifting can be beneficial from a financial planning perspective.

Emails, files, photos, social media feeds, cloud storage... and the list goes on. Discussing a plan for digital assets is an integral part of estate management.

What options are available for you to manage risk and protect your assets?

Understanding how much and what type of life insurance to purchase—and the various ways you can use the proceeds—may help give you peace of mind that your loved ones will be supported, even in your absence.

Understanding the pros and cons of buying versus renting—as well as the associated opportunity costs—can help you decide whether home ownership is right for you.

Our latest EWS event was hosted by Kerry Luria and Susie Borreti Panduku of Lexington Wealth Management. As financial advisors,they are often asked to talk to adult children of clients about budgeting, managing debt, saving and investing. In our discussion, we offered helpful tips and strategies for those who are starting their financial life or even coming up on milestones such as buying their first home or marriage. Kerry Luria, RLP ®, is a Managing Director and Senior Wealth Advisor at Lexington Wealth Management.  She embraces a holistic approach to working with clients and as a Registered Life Planner, is a careful, empathetic advisor.  In her role as Managing Director, Kerry ensures that Lexington’s team, vision and initiatives align with the company’s core values and culture.  She understands that wealth management is not a commodity, it is personal, and so is each client’s relationship with us. Susie Boretti Panduku, CPA, CFP®,  is a Wealth Advisor at Lexington Wealth Management. She is a graduate of Bentley University, where she also received her Master’s degree in Financial Planning. Prior to joining Lexington Wealth, Susie worked for RSM in their tax department before switching to wealth management. She focused on high-net-worth families and individuals, specifically on those who owned small businesses in the manufacturing and building materials industries. Tax Disclaimer: HighTower Advisors do not provide tax or legal advice. This material was not intended or written to be used or presented to any entity as tax advice or tax information. Tax laws vary based on the client’s individual circumstances and can change at any time without notice. Clients are urged to consult their tax or legal advisor before establishing a retirement plan. General Disclaimer: Lexington Wealth Management is a group of investment professionals registered with HighTower Securities, LLC, member FINRA and SIPC, and with HighTower Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through HighTower Securities, LLC; advisory services are offered through HighTower Advisors, LLC. This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors. All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice.Lexington Wealth Management and HighTower shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice. This document was created for informational purposes only; the opinions expressed are solely those of Lexington Wealth Management and do not represent those of HighTower Advisors, LLC, or any of its affiliates.

While typically not the most romantic topic of conversation, entering into this type of agreement can provide the extra layer of protection you need to safeguard your assets or the wealth your family has worked hard to create and preserve.

Considering alternative assets? Hedge funds, private equity and venture capital may seem inaccessible, but not all alternatives are just for the elite. However, consider these key trade-offs.

Ready to start investing but don’t know the basics? The proper investment mix depends on your unique circumstances, including your age, current versus future income, and the amount of debt you have.

In this episode, host Justin Osborn, ALC, speaks with guest Phil McGinnis, CCIM, GAA, ACoM, ALC, e-PRO. We encourage listeners to take the RLI's Land Investment Analysis course. This course is the only 24 ALC Credit Hour course and it is a required course towards earning RLI's elite Accredited Land Consultant (ALC) designation.

After college, you may find yourself considering multiple job offers. Focusing on the highest salary is tempting, but companies compensate employees in ways that may not be as immediately apparent.

Do you want to incorporate charitable giving into your financial plan? Would you like to learn more about how to become engaged in strategic philanthropy—either as an active part of an existing family legacy, or by finding your own path and creating a new tradition of giving?

The two absolutes we can count on in life are death and taxes, yet planning for these two things can be an unpleasant process. Many young adults delay creating a will until they are married or have children, but you can also ensure that your parents, siblings, or other loved ones are provided for by naming them as beneficiaries of your assets.

"Venture Investment Basics, Inclusive Insights & Big Deals: TECHquila Sunrise with Greg White" Supply Chain Now Episode 397 The ‘TECHquila Sunrise' Series on Supply Chain Now shares the latest investments, acquisitions, innovations, and glorious implosions in Supply Chain Tech every week. If you are looking for a podcast about ‘so-and-so signed a contract with such and such,' or ‘they just released version 20 of that same technology you didn't buy last year,' this is the wrong podcast for you. But if you are looking for real news and innovation, welcome to the Sunrise. Greg White serves as Principle & Host at Supply Chain Now. Greg is a founder, CEO, board director and advisor in B2B technology with multiple successful exits. He recently joined Trefoil Advisory as a Partner to further their vision of stronger companies by delivering practical solutions to the highest-stakes challenges. Prior to Trefoil, Greg served as CEO at Curo, a field service management solution most notably used by Amazon to direct their fulfillment center deployment workforce. Greg is most known for founding Blue Ridge Solutions and served as President & CEO for the Gartner Magic Quadrant Leader of cloud-native supply chain applications that balance inventory with customer demand. Greg has also held leadership roles with Servigistics, and E3 Corporation, where he pioneered their cloud supply chain offering in 1998. In addition to his work at Supply Chain Now and Trefoil, rapidly-growing companies leverage Greg as an independent board director and advisor for his experience building disruptive B2B technology and supply chain companies widely recognized as industry leaders. He's an insightful visionary who helps companies rapidly align vision, team, market, messaging, product, and intellectual property to accelerate value creation. Greg guides founders, investors and leadership teams to create breakthroughs that gain market exposure and momentum, and increase company esteem and valuation. Learn more about Trefoil Advisory: www.trefoiladvisory.com Upcoming Events & Resources Mentioned in this Episode: Subscribe to Supply Chain Now: supplychainnowradio.com/subscribe/ Connect with Greg on LinkedIn: www.linkedin.com/in/gswhite/ How COVID-19 Changed The VC Investment Landscape In The US: https://tinyurl.com/ybd5qd6m TuSimple plans autonomous truck network backed by UPS: https://venturebeat.com/2020/07/01/tusimple-plans-autonomous-truck-network-backed-by-ups/   Extra Crunch Live: Sydney Sykes on Fostering Diversity in VC: https://youtu.be/xdIYjbobWgM  Supply Chain Now Ranked #1 Supply Chain Podcast via FeedSpot: tinyurl.com/rud8y9m Supply Chain Now on YouTube: tinyurl.com/scnr-youtube Register for the Virtual Supply Chain Summit with Alcott Global: https://tinyurl.com/ycgwab87 Stand Up & Sound Off: A Conversation About Race in Industry Webinar: https://attendee.gotowebinar.com/register/7522896348121204752 Check Out News From Our Sponsors: U.S. Bank: www.usbpayment.com/transportation-solutions Capgemini: www.capgemini.com/us-en/ Vector Global Logistics: vectorgl.com/ Verusen: www.verusen.com/ ProPurchaser.com: tinyurl.com/y6l2kh7g For additional information, please visit our dedicated show page at:   www.supplychainnowradio.com/episode-397.

"Venture Investment Basics, Inclusive Insights & Big Deals: TECHquila Sunrise with Greg White" Supply Chain Now Episode 397 The ‘TECHquila Sunrise’ Series on Supply Chain Now shares the latest investments, acquisitions, innovations, and glorious implosions in Supply Chain Tech every week. If you are looking for a podcast about ‘so-and-so signed a contract with such and such,’ or ‘they just released version 20 of that same technology you didn’t buy last year,’ this is the wrong podcast for you. But if you are looking for real news and innovation, welcome to the Sunrise. Greg White serves as Principle & Host at Supply Chain Now. Greg is a founder, CEO, board director and advisor in B2B technology with multiple successful exits. He recently joined Trefoil Advisory as a Partner to further their vision of stronger companies by delivering practical solutions to the highest-stakes challenges. Prior to Trefoil, Greg served as CEO at Curo, a field service management solution most notably used by Amazon to direct their fulfillment center deployment workforce. Greg is most known for founding Blue Ridge Solutions and served as President & CEO for the Gartner Magic Quadrant Leader of cloud-native supply chain applications that balance inventory with customer demand. Greg has also held leadership roles with Servigistics, and E3 Corporation, where he pioneered their cloud supply chain offering in 1998. In addition to his work at Supply Chain Now and Trefoil, rapidly-growing companies leverage Greg as an independent board director and advisor for his experience building disruptive B2B technology and supply chain companies widely recognized as industry leaders. He’s an insightful visionary who helps companies rapidly align vision, team, market, messaging, product, and intellectual property to accelerate value creation. Greg guides founders, investors and leadership teams to create breakthroughs that gain market exposure and momentum, and increase company esteem and valuation. Learn more about Trefoil Advisory: www.trefoiladvisory.com Upcoming Events & Resources Mentioned in this Episode: Subscribe to Supply Chain Now: supplychainnowradio.com/subscribe/ Connect with Greg on LinkedIn: www.linkedin.com/in/gswhite/ How COVID-19 Changed The VC Investment Landscape In The US: https://tinyurl.com/ybd5qd6m TuSimple plans autonomous truck network backed by UPS: https://venturebeat.com/2020/07/01/tusimple-plans-autonomous-truck-network-backed-by-ups/ Extra Crunch Live: Sydney Sykes on Fostering Diversity in VC: https://youtu.be/xdIYjbobWgM Supply Chain Now Ranked #1 Supply Chain Podcast via FeedSpot: tinyurl.com/rud8y9m Supply Chain Now on YouTube: tinyurl.com/scnr-youtube Register for the Virtual Supply Chain Summit with Alcott Global: https://tinyurl.com/ycgwab87 Stand Up & Sound Off: A Conversation About Race in Industry Webinar: https://attendee.gotowebinar.com/register/7522896348121204752 Check Out News From Our Sponsors: U.S. Bank: www.usbpayment.com/transportation-solutions Capgemini: www.capgemini.com/us-en/ Vector Global Logistics: vectorgl.com/ Verusen: www.verusen.com/ ProPurchaser.com: tinyurl.com/y6l2kh7g For additional information, please visit our dedicated show page at: www.supplychainnowradio.com/episode-397.

Environmental, social, and governance (ESG) investment strategies offer investors the opportunity to invest with passion and purpose in addition to the long-term goal of earning financial gains.

Stocks and bonds are the building blocks of portfolios, but few investors have the time to research securities. Instead, mutual funds offer professionally managed, diversified portfolios in one step.

Are you a young professional interested in starting to invest? Is your experience limited, or are you unsure of where to begin? Or do you have kids that you want to teach investment fundamentals to in order to help them get started early on a path toward prosperity?

Are you the parent of a young adult who has recently ventured out into the workplace? Do you want to help your children learn about investing fundamentals in order to prepare them for a healthy financial life?

Should you take on investors for your business. What are the key things your accountant should be creating for your business? In this episode we are chatting with financial expert George Acheampong Jr about money management for entrepreneurs, smart stock moves during the down economy, and more. Happy financial literacy month! Show Notes & Investment Guide: shaymlawson.com/blog/george Topics Covered: The 3 Financial Professionals Business Owners Need Why it's smart to apply for stimulus cash now Smart stock moves during the current downturn Smart Investment options that aren't stock or real estate What to do instead of offering ownership shares Money management strategies to make your business recession proof. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Whether you want to purchase a new car or home, start a family soon, or retire by a certain age, you will need to plan accordingly to ensure the necessary funds are available.

Choosing a healthcare plan is one of those tasks in life that many of us dread. The process is often unfamiliar and daunting, especially for young people, which may be why so many wish they could avoid it altogether. But understanding your healthcare options and how to choose them is important, because going without insurance or choosing the wrong plan—one that doesn’t meet your medical needs--could lead to severe, unexpected and expensive consequences. While navigating the health insurance system can be complicated, the first step to choosing the right plan is getting informed.

When credit card offers are rolling in, it can be tempting to take advantage of the various promotions and promised rewards. While credit cards have many benefits and establishing credit is wise early in adulthood, a lack of discipline with your credit usage can easily create an undesirable financial situation. Understanding the key components of selecting the right type of credit and incorporating the use of credit into your budget can alleviate the risk of developing unmanageable debt.

On this episode I chat with Michael and Mauro about their company and what they offer, we also touch on offshore investing.  This is going to be a great series of interviews helping you build your investment knowledge.   http://www.globallocal.co.za/

New episodes coming soon. Hear from co-host Ryan Christine Coulson about what motivated the creation of the podcast and how she hopes listeners can benefit from the content provided.

New episodes coming soon. In this brief introduction clip, hear from co-host Josh Miller about what this podcast means to him.

DISCLAIMER: All content is copywrite of PenLife Associates Ltd © 2019. All rights reserved.We welcome you to download and play the podcast and share with others. You may not distribute or commercially exploit the content, except with our express written permissionThe information provided in this recording is believed to be valid and accurate at the date it was first published. The views expressed in this podcast are those of the presenter and do not necessarily reflect the views of PenLife Associates Ltd. Pen-Life Associates Limited is registered in England No.2390548. Authorised and regulated by the Financial Conduct Authority. Authorisation No. 212972

Part two of our interview with Richard Jack, Chief Investment Strategist at Meadowbrook Wealth Management in Garden City, New York, about various options for investing in retirement- CDs; stocks; life insurance and real estate.

Volume 2 of Investment Basics. Here we do an intro to Mutual Funds, ETF's, Index Funds, and Annuities.Call or text for custom investment plans and consultations:435-216-3835ben@foresightwealth.com

If you feel like you don't know anything about investments, this is a great place to start. From the basics, what is an IRA, ROTH, 401k, Stock & Bond. Feel free to reach out to Ben @ 435-216-3835 for more education or investment help.email at: ben@foresightwealth.com

Sometimes to get a good understanding of something, we need to start with the basics. In today’s episode Kelly Klingaman and I discuss the investment basics to give you a better understanding of what your money can do for you. We will also provide some tools and tips you can use for your next money checkup. As a Regional Director with Dimensional Fund Advisors, Kelly Klingaman works with advisors from across the US on investment, messaging, and business strategy issues in order to sustain, improve, and grow their practice. She graduated from the University of Texas at Austin's McCombs School of Business with a degree in Finance, concentrated in investment management. Kelly has also held the CFP® certification since 2014. What We Will Cover What does “the market” mean when it comes to investing Getting back to the basics: Stocks vs. Bonds Evaluating the risk profiles of stocks and bonds The differences between a mutual fund and an ETF Fees to be aware of when choosing investments Dimensional Fund Advisors’ (“DFA”) philosophy looking at active v. passive management What goes into “evidence-based” investing Explaining active and passive management through a trip to the grocery store DFA’s focus on research and what it has historically indicated The knowledge of the market explained through a jar of jelly beans The importance of diversifying your investments An explanation of asset allocation and why there’s not a “one-size-fits-all” How often and why you should rebalance your investments The importance of the “buy low, sell high” mindset The silent killer if you’re not investing your money A Financial Goal in the Works Plan a big family vacation to Europe in 2020 One Piece of Financial Advice When giving gifts, give them 4 things: Something they want, something they need, something to wear and something to read Getting Connected With Kelly LinkedIn Click here if you want to read the transcript instead! Getting Back to the Investment Basics with Kelly Klingaman

When I started my career in investment markets almost 20 years ago all the investment options were what we’d now call Active. We didn’t call them that at the time, it was just the standard way that money was managed. Passive investment had been around for some time, pushed primarily by John Boggle of Vanguard which first launched a passive index fund in 1975. But it took quite a while for enough data to come in, for investors to begin to appreciate why some hard questions needed to be asked about the focus on Active investment management. In more recent times the trend has swung in favour of the passive approach, and variations of that process, with ETF’s (Exchange Traded Funds) driving broad adoption. The increased acceptance and utilisation of passive investment strategies is almost certainly the biggest shift in investment strategy thinking since managed funds kicked off in Australia in 1955. So in today’s episode I’ll be sharing with you the difference between these two approaches, and how we apply these alternatives when helping our financial planning clients. As mentioned, Vanguard is the best known proponent of passive, or index investing, though interestingly Blackrock is bigger. The idea of passive investment is that instead of trying to do research on different companies and identify winners, you simply buy the whole market. The thinking is that if you do this, you should get the average return of all investors. So let’s say you’re buying an index fund over the ASX200 – the index of Australia’s 200 largest companies. If the ASX200 grew by 5% one year, then that tells you that across all of the investors in that market, half did better and half did worse, and the average came in at 5%. So if you invest in a passive index fund over the ASX200, you will get the average return, 5% in this example, less whatever fees the fund manager charges. Now compare this to the Active manager. Their entire rationale is to beat the market. If the average is 5%, their entire rationale for existence is that by doing all sorts of research and analysis, they can identify insights others have missed, and so deliver superior performance compared to the rest of the market. Now the astute Financial Autonomy audience will immediately identify that given the mathematical foundation of an average is that half of all results will be below, and half will be above, then clearly, not all active fund managers can be successful. Now it is fair to say that not all participants in investment markets are fund managers, there are of course mum and dad investors too, but by far the bulk of trade is conducted by the funds. And so we arrive at the number one challenge when working with active fund managers – what if you choose one that under-performs? But in actual fact, it gets even harder, because not only does the successful active fund manager need to beat the index, but they need to do it after their fees, or at least the difference in their fees versus a passive index alternative. And active fund managers tend to like to pay themselves a lot. So beating the average by say half a percent, won’t cut it if the fund charges 1% to manage the money in the first place. So what do the numbers tell us? In data to the end of 2017 (SPIVA Statistics and Reports), when measured over 5 years, only 37% of active funds outperformed the benchmark, and in the US it was even worse with only 16% achieving what they’d set out to do. To put it another way, if you have some money to invest and you’re trying to pick an active fund manager in Australia, there’s a 63% likelihood that you’ll pick the wrong fund and get under-performance. And in fact that number might be generous due to something called survivorship bias – funds that perform really badly close, and so they don’t register in the data. Now to be fair, index managers underperform the benchmark too because of their fees. But because they don’t need to employ overpaid fund managers, their fees are really low. You can buy an index fund over the Australian share market for a cost of about 0.14%, and over the US market for an incredibly low 0.04%! I thought this quote from Brian Portnoy author of The Geometry of Wealth summed things up well: “Beating the market. That’s a silly and fruitless game. It’s not tied to your real needs. It’s attached to your ego.” Tying your investment decisions back to your needs, or goals is really important. You’ve got a goal, let’s say that’s to buy 5 acres out of town and grow your own food. To make that a reality you determine a dollar amount that you need to save up to enable the purchase. Now of course you could just chip away putting your savings in a bank account until it builds to the necessary amount, but it’s likely to be smarter to invest your savings and let compounding of returns do some of the work for you. A lot of what we do for clients is financial modelling to ascertain how their goals can be met. So for instance we might find that, given your existing financial position and capacity to save, you could achieve your goal in 6 years, assuming your investment earn an average of 7%. If you then embark on that journey, you want to have a high level of confidence that your investments will indeed earn 7%. A portfolio would be constructed to gain you adequate diversification and minimise risk. Now you could choose as part of the portfolio to employ active managers, in the hope they will do better than the market, and so, deliver to you higher returns than you’d assumed so that you reach your goal sooner. It’s certainly tempting. But let’s revisit the data. 63% of Australian active funds and 84% of US active funds fail to beat the benchmark after fees. So is that a bet worth taking? My preference would be to do whatever we possibly can ensure your goal is met, and that means having the highest confidence possible as to what the investment outcome will be. All investments involve risk, and returns are never guaranteed. But I know that if I invest in a passive index fund, I’ll get pretty close to the market return. And I know what on average that return will be, so that over a 6 year time frame, as is the case in this example, I can embark on the strategy with a high degree of confidence that in 6 years’ time I’ll have the funds needed to buy my little farmlet. Now I should just pause here a moment and flag that I’m not totally of the view that all active management is a waste of money. We have many clients who’ve chosen to incorporate ethical considerations into their portfolio, and specialist fund managers, particularly with a focus on sustainability have delivered some great results that have indeed exceeded benchmarks on a consistent basis. There has also been some evidence to indicate that in the Australian small company space, active management might add value. Here many of the participants are day traders and simple punters, and so there does seem to be profits available to investors by employing fund managers to go out and research less well known business, and then sifting the wheat from the chaff. As the weight of money has moved from active management to passive over the years, active managers have responded, producing strategies to improve portfolio diversification and complement other passive holdings.   There’s another interesting wrinkle in this discussion of passive vs active investing, and that is investor behaviour. There’s great data out of the US produced by Dalbar which compares the market return, which is what a passive index investment will deliver, to the return that the average investor actually experienced. Over 20 years to the end of 2016 (the most recent data I could find). The S&P500 index returned 7.7%. However the average fund investor achieved returns of 4.8%, a difference of almost 3%. Over 20 years that is huge! To put some dollars around that, $100,000 invested at 7.7% grows to $440,000 in 20 years, whereas if you earn the lower 4.8%, your $100,000 gets to a much lower $255,000. So what’s going on? The main answer is that investors jump in and out at the wrong time. They tend to get in after markets have had a few good years, and then they tend to get out when markets drop. To get the average market return therefore they needed to do 2 important things: Invest so that your money tracks the index, which is most easily done with an index fund Leave your investment alone – all the evidence suggests that investors who try and time the market fail, and as shown in the numbers just mentioned, the impact is not minor.   So armed with this knowledge, how do we tackle things at Guidance, my financial planning practice? We don’t have a one size fits all approach, however our starting point is to use index solutions such as ETF’s, and then add in active management only where there is a specific strategy requirement. A solution that we use a lot is model portfolios built using entirely index funds, but with an overlay as to the allocation across the sectors, eg. Australian vs International shares vs Property. Once a year the model manager, a large US based global institution, conducts a detailed review of market and economic conditions, and rebalances the asset allocations within certain band limits to reflect what they see. They’ll never be all in Australian shares, or hold none at all, but depending on their assessment, they might tilt allocations 3 or 4% in one way or the other. They’ve been running models this way for over 30 years and their performance has been enough to cover fees and deliver a slight out-performance against the market benchmarks. Given our job is to help our clients achieve their goals, this is the outcome we want delivered. The more certain the outcome, the better. Important Information: This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication.

Joel Greenblatt is a legendary value investor who founded a hedge fund Gotham Capital with an astonishing track record of 40% annualized return from 1985 to 2006.  This episode covers the second part of the investment basics that Joel discussed in his book (You Can Be a Stock Market GENIUS). Don't buy more stocks; Put money in the bank Look down, not up There's more than one road to investment heaven The future episodes will cover the details of great special investment opportunities such as spin-offs, merger securities, restructurings, rights offerings, etc. Joel Greenblatt's book (You Can Be a Stock Market GENIUS): https://amzn.to/2vjCwfX Podcast website: https://valueinvestpodcast.com/ Donate: https://valueinvestpodcast.com/donate/

Joel Greenblatt is a legendary value investor who founded a hedge fund Gotham Capital with an astonishing track record of 40% annualized return from 1985 to 2006.  This episode covers the first three investment basics that Joel discussed in his book (You Can Be a Stock Market GENIUS). Do your homework Don't listen to others Pick your own spots The future episodes will cover the rest of the investment basics, and discuss the details of great special investment opportunities such as spin-offs, merger securities, restructurings, rights offerings, etc. Joel Greenblatt's book (You Can Be a Stock Market GENIUS): https://amzn.to/2vjCwfX Podcast website: https://valueinvestpodcast.com/ Donate: https://valueinvestpodcast.com/donate/

Join host Tony Vergnetti and Michael Livingston from the Livingston Financial Group to hear about important financial planning strategies for all federal employees to consider. They will talk about your Thrift Savings Plan Contributions, Fund Choices, Investment Basics, and Withdraw Options. They will also discuss the upcoming changes to the TSP from the TSP modernization act that was signed in December 2017.

Join host Tony Vergnetti and Michael Livingston from the Livingston Financial Group to hear about important financial planning strategies for all federal employees to consider. They will talk about your Thrift Savings Plan Contributions, Fund Choices, Investment Basics, and Withdraw Options. They will also discuss the upcoming changes to the TSP from the TSP modernization act that was signed in December 2017.

It wouldn’t be surprising to bump into my latest guest, Campbell Korff, in the surf off Byron Bay. What might surprise you is the incredible career path that’s taken him from Sydney lawyer to world-travelling finance wiz and back to Northern New South Wales. It’s here that he brings his knowledge and experience to benefit his local community, both in ... Read More The post 13. Secrets to Great Service, Authentic Experiences, the Airbnb Conundrum and Investment Basics with Campbell Korff appeared first on Adrian Easdown.

LMU CBA FNCE

Guest: Peter Maris Host: Larry Kaskel, MD Dr. Larry Kaskel welcomes Peter Maris, president of the Resource Financial Group. Tune in to hear the foundation of good investing. Don't skip the basics.