It's THAT time... Happy New Year party people . If you've got money to invest in 2018 but no idea where to put it? This video is for you... yes, YOU.

I'm sharing my 4 best investment ideas with you as we ring in 2018.

#1 - INVEST IN THE STOCK MARKET

While everybody may say to invest in the stock market... the reality is, a lot of people do not even do it. Do you?

What is "dollar cost averaging"?? And how is it going to calm your fears with the ups and downs of the stock market?

Where do I think you should invest? #FreeAdvice

*** HERE ARE MY FAVORITE PLATFORMS TO START INVESTING ***

Betterment - Best company if you don't want to choose the investments. They do all the pickin' for you!

https://www.goodfinancialcents.com/re...

Ally Financial - Pick stocks, ETFs, Mutual Funds, etc with the help of their tollfree number!

https://www.goodfinancialcents.com/re...

TD Ameritrade - The best online broker for online stock trading, long-term investing, and retirement planning.

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Etrade - You're in full control of your financial future with them. They have the information, the analysis, and the online investing & trading tools you need. Have at it.

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Individual Stocks? STAND BACK, YO!

#2 - INVEST IN PEER TO PEER LENDING Do I sound like a broken record yet? I'm always talking about peer to peer lending and the benefits.

A few peer to peer lending providers I like include:

Lending Club - It's a place where borrowers and lenders alike can connect and make magic happen.

https://www.goodfinancialcents.com/re...

#3 - INVEST IN REAL ESTATE

This is the part where I lost my butt investing and I'm really hoping I can save you from making the same mistakes I've made.

Without being a landlord... there are other ways to invest in real estate - check it out!

What is Fundrise? And why am I recommending it as part of your investment strategy?

GET THE DETAILS

https://www.goodfinancialcents.com/re...

#4 - INVEST IN YOURSELF

Surprised that I'm calling that a real kind of investment? Whether it is reading more or taking an online course on a site like Udemy or Skillshare, investing in yourself is the best thing you can do in 2018.

What course I paid $3,500 for to learn something... CRAZY? No way!

Bitcoin? My thoughts are all here... and here's WHY I'm not investing in it, yet.

Want More Good Financial Cents?

Check out my blog here: https://www.goodfinancialcents.com/

Listen to my podcast here:

https://itunes.apple.com/us/podcast/g...

Pick up my best selling book, Soldier of Finance, here:

http://amzn.to/2xOH78V

Connect with me on Twitter:

Tweets by jjeffrose

My most favorite inspiration T-shirt line, Compete Every Day:

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Originally posted here:
The 4 Best Investment Ideas You Can Make (for 2018)

There are three main types of investments:

You can invest in any or all three investment types directly or indirectly by buying mutual funds. Another option is to invest in tax-deferred options, such as an IRA or annuity.

Companies sell shares of stock to raise money for start-up or growth. When you invest in stocks, youre buying a share of ownership in a corporation. Youre a shareholder.

There are two types of stock:

Investment returns and risks for both types of stocks vary, depending on factors such as the economy, political scene, the company's performance and other stock market factors.

When you buy a bond, youre lending money to a company or governmental entity, such as a city, state or nation.

Bonds are issued for a set period of time during which interest payments are made to the bondholder. The amount of these payments depends on the interest rate established by the issuer of the bond when the bond is issued. This is called a coupon rate, which can be fixed or variable. At the end of the set period of time (maturity date), the bond issuer is required to repay the par, or face value, of the bond (the original loan amount).

Bonds are considered a more stable investment compared to stocks because they usually provide a steady flow of income. But because theyre more stable, their long-term return probably will be less when compared to stocks. Bonds, however, can sometimes outperform a particular stocks rate of return.

Keep in mind that bonds are subject to a number of investment risks including credit risk, repayment risk and interest rate risk.

Cash equivalent investments protect your original investment and let you have access to your money. Examples include:

These different types of investments generally deliver a more stable rate of return. But cash equivalent investments arent designed for long-term investment goals such as retirement. After taxes are paid, the rate of return is often so low that it doesnt keep pace with inflation.

Go here to read the rest:
Types of Investments - Nationwide

Calculate your estimated retirement savings with our investment calculator and connect with a local investment professional to help you reach your goal.

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Is this the right amount for you? Talk to a financial advisor about how much youll need for your retirement plans.

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Now that youve calculated your estimated retirement savings, your next step is to use a SmartVestor Pro to build your custom retirement plan.

Custom retirement and investment plans

Real-life, helpful people you can call

Hundreds of investment options

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Read more here:
Investment and Retirement Calculator | DaveRamsey.com

So full of tips and angles that only a booby or a billionaire could not benefit. New York Times

For nearly forty years, The Only Investment Guide You ll Ever Need has been a favorite finance guide, earning the allegiance of millions. This completely updated edition will show you the best way to manage your money, no matter what your means. Chapter two alone should save you thousands of dollars.

With passion and wit, Andrew Tobias delivers sensible advice and useful information on spending, saving, investing, and much more.

The Only Investment Guide You ll Ever Need . . . actually lives up to its name. Los Angeles Times

Andrew Tobias is a funny fellow, but he s also canny and sensible, and his book is well worth its modest price. Boston Globe

Andrew Tobias is one of the financial community s most pithily perceptive observers. Forbes

ANDREW TOBIAS is the author of twelve books, including the New York Times bestsellers Fire and Ice and The Invisible Bankers. He has been a regular contributor to such magazines as Time, Esquire, New York, and Parade and cohosted the PBS series Beyond Wall Street. Visit his website at http://www.andrewtobias.com."

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The Only Investment Guide You'll Ever Need: Andrew Tobias ...

Investment management is the professional asset management of various securities (shares, bonds and other securities) and other assets (e.g., real estate) in order to meet specified investment goals for the benefit of the investors. Investors may be institutions (insurance companies, pension funds, corporations, charities, educational establishments etc.) or private investors (both directly via investment contracts and more commonly via collective investment schemes e.g. mutual funds or exchange-traded funds).

The term asset management is often used to refer to the investment management of collective investments, while the more generic fund management may refer to all forms of institutional investment as well as investment management for private investors. Investment managers who specialize in advisory or discretionary management on behalf of (normally wealthy) private investors may often refer to their services as money management or portfolio management often within the context of "private banking".

The provision of investment management services includes elements of financial statement analysis, asset selection, stock selection, plan implementation and ongoing monitoring of investments. Coming under the remit of financial services many of the world's largest companies are at least in part investment managers and employ millions of staff. It remains unclear if professional investment managers can reliably enhance risk adjusted returns by an amount that exceeds fees and expenses of investment management.[1]

The term fund manager (or investment advisor in the United States) refers to both a firm that provides investment management services and an individual who directs fund management decisions.

According to a Boston Consulting Group study, the assets managed professionally for fees reached an all-time high of US$62.4 trillion in 2012, after remaining flat-lined since 2007.[2] Furthermore, these industry assets under management were expected to reach US$70.2 trillion at the end of 2013 as per a Cerulli Associates estimate.

The global investment management industry is highly concentrated in nature, in a universe of about 70,000 funds roughly 99.7% of the US fund flows in 2012 went into just 185 funds. Additionally, a majority of fund managers report that more than 50% of their inflows go to only three funds.

The business of investment has several facets, the employment of professional fund managers, research (of individual assets and asset classes), dealing, settlement, marketing, internal auditing, and the preparation of reports for clients. The largest financial fund managers are firms that exhibit all the complexity their size demands. Apart from the people who bring in the money (marketers) and the people who direct investment (the fund managers), there are compliance staff (to ensure accord with legislative and regulatory constraints), internal auditors of various kinds (to examine internal systems and controls), financial controllers (to account for the institutions' own money and costs), computer experts, and "back office" employees (to track and record transactions and fund valuations for up to thousands of clients per institution).

Key problems include:

Institutions often control huge shareholdings. In most cases they are acting as fiduciary agents rather than principals (direct owners). The owners of shares theoretically have great power to alter the companies via the voting rights the shares carry and the consequent ability to pressure managements, and if necessary out-vote them at annual and other meetings.

In practice, the ultimate owners of shares often do not exercise the power they collectively hold (because the owners are many, each with small holdings); financial institutions (as agents) sometimes do. There is a general belief[by whom?] that shareholders in this case, the institutions acting as agentscould and should exercise more active influence over the companies in which they hold shares (e.g., to hold managers to account, to ensure Board's effective functioning). Such action would add a pressure group to those (the regulators and the Board) overseeing management.

However, there is the problem of how the institution should exercise this power. One way is for the institution to decide, the other is for the institution to poll its beneficiaries. Assuming that the institution polls, should it then: (i) Vote the entire holding as directed by the majority of votes cast? (ii) Split the vote (where this is allowed) according to the proportions of the vote? (iii) Or respect the abstainers and only vote the respondents' holdings?

The price signals generated by large active managers holding or not holding the stock may contribute to management change. For example, this is the case when a large active manager sells his position in a company, leading to (possibly) a decline in the stock price, but more importantly a loss of confidence by the markets in the management of the company, thus precipitating changes in the management team.

Some institutions have been more vocal and active in pursuing such matters; for instance, some firms believe that there are investment advantages to accumulating substantial minority shareholdings (i.e. 10% or more) and putting pressure on management to implement significant changes in the business. In some cases, institutions with minority holdings work together to force management change. Perhaps more frequent is the sustained pressure that large institutions bring to bear on management teams through persuasive discourse and PR. On the other hand, some of the largest investment managerssuch as BlackRock and Vanguardadvocate simply owning every company, reducing the incentive to influence management teams. A reason for this last strategy is that the investment manager prefers a closer, more open and honest relationship with a company's management team than would exist if they exercised control; allowing them to make a better investment decision.

The national context in which shareholder representation considerations are set is variable and important. The USA is a litigious society and shareholders use the law as a lever to pressure management teams. In Japan it is traditional for shareholders to be low in the 'pecking order,' which often allows management and labor to ignore the rights of the ultimate owners. Whereas US firms generally cater to shareholders, Japanese businesses generally exhibit a stakeholder mentality, in which they seek consensus amongst all interested parties (against a background of strong unions and labour legislation).

Conventional assets under management of the global fund management industry increased by 10% in 2010, to $79.3 trillion. Pension assets accounted for $29.9 trillion of the total, with $24.7 trillion invested in mutual funds and $24.6 trillion in insurance funds. Together with alternative assets (sovereign wealth funds, hedge funds, private equity funds and exchange traded funds) and funds of wealthy individuals, assets of the global fund management industry totalled around $117 trillion. Growth in 2010 followed a 14% increase in the previous year and was due both to the recovery in equity markets during the year and an inflow of new funds.

The US remained by far the biggest source of funds, accounting for around a half of conventional assets under management or some $36 trillion. The UK was the second largest centre in the world and by far the largest in Europe with around 8% of the global total.[3]

The 3-P's (Philosophy, Process and People) are often used to describe the reasons why the manager is able to produce above average results.

At the heart of the investment management industry are the managers who invest and divest client investments.

A certified company investment advisor should conduct an assessment of each client's individual needs and risk profile. The advisor then recommends appropriate investments.

The different asset class definitions are widely debated, but four common divisions are stocks, bonds, real estate and commodities. The exercise of allocating funds among these assets (and among individual securities within each asset class) is what investment management firms are paid for. Asset classes exhibit different market dynamics, and different interaction effects; thus, the allocation of money among asset classes will have a significant effect on the performance of the fund. Some research suggests that allocation among asset classes has more predictive power than the choice of individual holdings in determining portfolio return. Arguably, the skill of a successful investment manager resides in constructing the asset allocation, and separate individual holdings, so as to outperform certain benchmarks (e.g., the peer group of competing funds, bond and stock indices).

It is important to look at the evidence on the long-term returns to different assets, and to holding period returns (the returns that accrue on average over different lengths of investment). For example, over very long holding periods (e.g. 10+ years) in most countries, equities have generated higher returns than bonds, and bonds have generated higher returns than cash. According to financial theory, this is because equities are riskier (more volatile) than bonds which are themselves more risky than cash.

Against the background of the asset allocation, fund managers consider the degree of diversification that makes sense for a given client (given its risk preferences) and construct a list of planned holdings accordingly. The list will indicate what percentage of the fund should be invested in each particular stock or bond. The theory of portfolio diversification was originated by Markowitz (and many others). Effective diversification requires management of the correlation between the asset returns and the liability returns, issues internal to the portfolio (individual holdings volatility), and cross-correlations between the returns.

There are a range of different styles of fund management that the institution can implement. For example, growth, value, growth at a reasonable price (GARP), market neutral, small capitalisation, indexed, etc. Each of these approaches has its distinctive features, adherents and, in any particular financial environment, distinctive risk characteristics. For example, there is evidence that growth styles (buying rapidly growing earnings) are especially effective when the companies able to generate such growth are scarce; conversely, when such growth is plentiful, then there is evidence that value styles tend to outperform the indices particularly successfully.

Large asset managers are increasingly profiling their equity portfolio managers to trade their orders more effectively. While this strategy is less effective with small-cap trades, it has been effective for portfolios with large-cap companies.[4]

Fund performance is often thought to be the acid test of fund management, and in the institutional context, accurate measurement is a necessity. For that purpose, institutions measure the performance of each fund (and usually for internal purposes components of each fund) under their management, and performance is also measured by external firms that specialize in performance measurement. The leading performance measurement firms (e.g. Frank Russell in the US or BI-SAM [1] in Europe) compile aggregate industry data, e.g., showing how funds in general performed against given indices and peer groups over various time periods.

In a typical case (let us say an equity fund), then the calculation would be made (as far as the client is concerned) every quarter and would show a percentage change compared with the prior quarter (e.g., +4.6% total return in US dollars). This figure would be compared with other similar funds managed within the institution (for purposes of monitoring internal controls), with performance data for peer group funds, and with relevant indices (where available) or tailor-made performance benchmarks where appropriate. The specialist performance measurement firms calculate quartile and decile data and close attention would be paid to the (percentile) ranking of any fund.

Generally speaking, it is probably appropriate for an investment firm to persuade its clients to assess performance over longer periods (e.g., 3 to 5 years) to smooth out very short-term fluctuations in performance and the influence of the business cycle. This can be difficult however and, industry wide, there is a serious preoccupation with short-term numbers and the effect on the relationship with clients (and resultant business risks for the institutions).

An enduring problem is whether to measure before-tax or after-tax performance. After-tax measurement represents the benefit to the investor, but investors' tax positions may vary. Before-tax measurement can be misleading, especially in regimens that tax realised capital gains (and not unrealised). It is thus possible that successful active managers (measured before tax) may produce miserable after-tax results. One possible solution is to report the after-tax position of some standard taxpayer.

Performance measurement should not be reduced to the evaluation of fund returns alone, but must also integrate other fund elements that would be of interest to investors, such as the measure of risk taken. Several other aspects are also part of performance measurement: evaluating if managers have succeeded in reaching their objective, i.e. if their return was sufficiently high to reward the risks taken; how they compare to their peers; and finally whether the portfolio management results were due to luck or the manager's skill. The need to answer all these questions has led to the development of more sophisticated performance measures, many of which originate in modern portfolio theory. Modern portfolio theory established the quantitative link that exists between portfolio risk and return. The Capital Asset Pricing Model (CAPM) developed by Sharpe (1964) highlighted the notion of rewarding risk and produced the first performance indicators, be they risk-adjusted ratios (Sharpe ratio, information ratio) or differential returns compared to benchmarks (alphas). The Sharpe ratio is the simplest and best known performance measure. It measures the return of a portfolio in excess of the risk-free rate, compared to the total risk of the portfolio. This measure is said to be absolute, as it does not refer to any benchmark, avoiding drawbacks related to a poor choice of benchmark. Meanwhile, it does not allow the separation of the performance of the market in which the portfolio is invested from that of the manager. The information ratio is a more general form of the Sharpe ratio in which the risk-free asset is replaced by a benchmark portfolio. This measure is relative, as it evaluates portfolio performance in reference to a benchmark, making the result strongly dependent on this benchmark choice.

Portfolio alpha is obtained by measuring the difference between the return of the portfolio and that of a benchmark portfolio. This measure appears to be the only reliable performance measure to evaluate active management. In fact, we have to distinguish between normal returns, provided by the fair reward for portfolio exposure to different risks, and obtained through passive management, from abnormal performance (or outperformance) due to the manager's skill (or luck), whether through market timing, stock picking, or good fortune. The first component is related to allocation and style investment choices, which may not be under the sole control of the manager, and depends on the economic context, while the second component is an evaluation of the success of the manager's decisions. Only the latter, measured by alpha, allows the evaluation of the manager's true performance (but then, only if you assume that any outperformance is due to skill and not luck).

Portfolio return may be evaluated using factor models. The first model, proposed by Jensen (1968), relies on the CAPM and explains portfolio returns with the market index as the only factor. It quickly becomes clear, however, that one factor is not enough to explain the returns very well and that other factors have to be considered. Multi-factor models were developed as an alternative to the CAPM, allowing a better description of portfolio risks and a more accurate evaluation of a portfolio's performance. For example, Fama and French (1993) have highlighted two important factors that characterize a company's risk in addition to market risk. These factors are the book-to-market ratio and the company's size as measured by its market capitalization. Fama and French therefore proposed three-factor model to describe portfolio normal returns (FamaFrench three-factor model). Carhart (1997) proposed to add momentum as a fourth factor to allow the short-term persistence of returns to be taken into account. Also of interest for performance measurement is Sharpe's (1992) style analysis model, in which factors are style indices. This model allows a custom benchmark for each portfolio to be developed, using the linear combination of style indices that best replicate portfolio style allocation, and leads to an accurate evaluation of portfolio alpha.

Increasingly, international business schools are incorporating the subject into their course outlines and some have formulated the title of 'Investment Management' or 'Asset Management' conferred as specialist bachelor's degrees (e.g. Cass Business School, London). Due to global cross-recognition agreements with the 2 major accrediting agencies AACSB and ACBSP which accredit over 560 of the best business school programs, the Certification of MFP Master Financial Planner Professional from the American Academy of Financial Management is available to AACSB and ACBSP business school graduates with finance or financial services-related concentrations. For people with aspirations to become an investment manager, further education may be needed beyond a bachelors in business, finance, or economics. Designations, such as the Chartered Investment Manager (CIM) in Canada, are required for practitioners in the investment management industry. A graduate degree or an investment qualification such as the Chartered Financial Analyst designation (CFA) may help in having a career in investment management.[5]

There is no evidence that any particular qualification enhances the most desirable characteristic of an investment manager, that is the ability to select investments that result in an above average (risk weighted) long-term performance.[citation needed]

See the rest here:
Investment management - Wikipedia

People ask me all the time what they should do if they don't have a lot of money to invest. Should they invest differently? Should they wait until they have more money saved? In today's video, I'm answering your questions. http://bit.ly/2aTH6qj

Discover how to minimize risk and maximize return with my Quick Start Guide to Rule #1 Investing by clicking the link above.

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How to Invest: Invest Your First $1000 - YouTube

Best gold ETFs to invest for 10 years2 Aug 2018, 01:16 PM IST

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

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6.36

3.10

1.79

5.79

9.32

4.36

2.15

1.27

8.25

8.91

4.45

-3.28

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Investment: Best money investment ... - The Economic Times

What is an 'Alternative Investment'

An alternative investment is an asset that is not one of the conventional investment types, such as stocks, bonds and cash. Most alternative investment assets are held by institutional investors or accredited, high-net-worth individuals because of the complex natures and limited regulations of the investments. Alternative investments include private equity, hedge funds, managed futures, real estate, commodities and derivatives contracts.

Many alternative investments have high minimum investments and fee structures compared to mutual funds and exchange-traded funds (ETFs). There is also less opportunity to publish verifiable performance data and advertise to potential investors. Most alternative assets have low liquidity compared to conventional assets. For example, investors are likely to find it considerably more difficult to sell an 80-year old bottle of wine compared to 1,000 shares of Apple, due to a limited number of buyers.

Investors may have difficulty valuing alternative investments due to transactions often being unique. For example, a seller of the extremely rare 1933 Double Eagle $20 gold coin may have difficulty determining its value, as there are only 13 known to exist as of 2016. Alternative investments are prone to investment scams and fraud due to their unregulated nature, therefore it is essential that investors conduct extensive due diligence.

Alternative investments typically have a low correlation with those of standard asset classes, which makes them suitable for portfolio diversification. Because of this, many large institutional funds such as pensions and private endowments have begun to allocate a small portion of their portfolios, typically less than 10%, to alternative investments such as hedge funds. Investments in hard assets such as gold and oil also provide an effective hedge against rising inflation, as they are negatively correlated with the performance of stocks and bonds.

Although alternative assets may have high initial upfront investment fees, transaction costs are typically lower compared to conventional assets, due to lower levels of turnover. Alternative investments held over a long period of time may result in tax benefits, as investments held longer than 12 months are subject to a lower capital gains tax in comparison to shorter-term investments.

While the majority of retail investors may have limited availability to alternative investment opportunities, real estate and commodities such as precious metals are widely available. ETFs now provide ample opportunity to invest in alternative asset categories that were previously difficult and costly for the retail investor to access. Investing in ETFs that have exposure to alternative assets has been mixed. As of February 2018, the SPDRDow Jones Global Real Estate ETF had an annualized five-year return of 4.6%, while theSPDR S&POil & Gas Exploration & Production ETF returned negative 7.7% for the same period.

Alternatives investments are often subject to a less clear legal structure than common investments but are increasingly regulated by the Dodd-Frank Wall Street Reform and Protection Act. They are stillnot overseen, however, as closely as mutual fundsand ETFsby the Securities and Exchange Commission (SEC) and the Financial Industry Regulation Commission. Often,only those deemed "accredited investors" (those with a net worth exceeding $1 million or with a personal income of $200,000 or more per year) have access to alternative investment offerings.

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Alternative Investment - investopedia.com

Investment Coops have become popular financial tools and housing options for many in todays challenging financial world. Were in the business of assisting with the purchase or refinancing of an investment coop working with refinance rates and terms to find the best deals at the best price. We arent able to do investment coop refis, however. Often, its possible to get a property with only 40 percent down.

Refinancing for investment coops is a specialized field. It requires knowledgeable experts who can sort through the maze of regulations and requirements along with heavy paperwork. Highly trained professionals know the market and various programs.

Updated content and bullets:

Refinancing and purchasing coops means asking for an appropriate loan within loan-to-value standards. Those standards have loosened creating an opportunity for added value. Financing also depends on factors like the coop board and whether the coop is sponsored. Many properties that once were rent-controlled were converted in the 1980s into coop properties to be purchased by residents.

Its important to be familiar with mortgage options when it comes to investing in coops. Conforming loans have lots of requirements and paperwork. Most coops in the metro New York area and many other cities require jumbo loans. The minimum amount for a sponsored coop loan is $636,000, or less, with bank mortgage account reserves required to cover two years.

Other components of the process can include coop board interviews for unsponsored properties. Frequently, money is needed to refurbish properties. Experienced agents can help facilitate the entire process and take out many financing hassles so investors can concentrate on other matters. Those in the know can find ways to reduce or eliminate closing costs and take care of any special requirements.

Contact usat 800-535-0270 for a FREE consultationoremail us here.

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Refinancing an Investment Coop - MortgageDepot.com

Investment One Financial Services Limited was incorporated in 2008 as GTB Asset Management Limited, a wholly owned Asset Management subsidiary of Guaranty Trust Bank (GTBank) to undertake the businesses of asset management and securities brokerage. In 2011, following new regulatory requirements, GTBank divested from the Company following a management buyout and the Companys name was then changed to Investment One Financial Services (Investment One) with the long term goal of becoming the leading non-bank financial services group in Nigeria.

Recognised as one of the fastest growing companies in Nigeriaby ALLWORLD in 2013, Investment One is today a leading playerin the Nigerian financial services industry with distinctive offeringsin wealth management & trust, mutual funds, pensions, realestate, private equity/venture capital, investment banking andsecurities brokerage.

The Groups business model is simple: attract investors funds through its wealth management, mutual funds and pension businesses; seek attractive returns through its investment management (equities & fixed income), real estate and private equity/venture capital businesses; and provide financial advisory and intermediary services through the investment banking and securities brokerage businesses.

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Investment One Financial Services | Foward Thinking ...