A Good Fund Manager

Every Wall Street analyst, financial planner and broker will tell you that the right way to pick a mutual fund is find a good money manager of a fund that has a long time record.

Yes, I believe that too, but it is amazing that when you go back in time to see what this genius did with the mutual fund, you will find years he has had some terrible losses. Would you want to own that fund then? In the year 2000 about 60% of all mutual funds declined. Many had losses of 30%, 40% and many over 50%. That is when they tell you things like: "you have to be in for the long haul", "this is only a market correction" and "the market always comes back". Among others.

One of the best-known mutual funds, Fidelity Magellan, dropped from a high last year of 146 to 100. That is a 32% loss. Yet this fund manager received a salary of over a million dollars. Did you know the average fund manager made $290,000 last year? How can that kind of money be paid to a person who loses your hard-earned cash? The great majority of fund managers today have not experienced a long-term bear market. They are too young. A few of them did go through the 1987 crunch in which the bottom was reached in 3 weeks. They did not have a chance to sell off their weakest stocks. Of course, they had plenty of time before that fateful 508-point one-day loss to unload some of their dogs. Unfortunately, fund managers are not taught to sell and they definitely do not understand that sometimes cash is the best position.

A major fallacy of mutual fund charters is that they must always be fully invested. There are many funds that have specialties such a Pacific Rim, Russia, real estate, indexes of various kinds, socially responsible, big cap, small cap and on and on. There are times when almost everything in that sector is going down and there is nothing to buy, but the fund charter maintains they must be fully invested. In defense of the fund manager he must buy even if it is garbage. He is not allowed to preserve the investors capital by staying in treasury bills.

If you think a fund manager who loses 30%, 40% or more of your money at any time is a good fund manager then you have been snookered by Wall Street. There is only one way to protect yourself from that type of money mismanagement and it is very simple. If the fund you own drops more than 15% from its highest price any time after you own it then you must sell it immediately even if there is a sales charge or redemption fee. The first rule of investing is "protect your capital". You even have to protect yourself from "a good fund manager".

By Al Thomas

True Investment Road Maps

If you don't know where you are going any road will get there. After you get there you might not like where you ended up. You must plan ahead for your trip.

Do you know where you are going with your retirement portfolio? Do you have a plan mapped out? Do you know what to do if your plan starts hemorrhaging money like a stuck pig? Remember 2000? Of course that will never happen again, will it? I'm glad you are so confident. I'm not.

Every professional trader has a plan. Wait a minute. You say you are not a professional trader and you wouldn't trade like they do anyway. Well let me let you in on a little secret. If you don't learn to invest like a pro you are going to give him all (or most) of your money whether you like it or not.

What is it like to trade like a pro?

You won't like it and your broker and financial planner will like it even less. It is simple. The road to success is the road that has an exit ramp, in fact, several. It is like doing the Baja Road Race and carrying many spare tires. Without several tires you are not going to make it. Where are those exits? Why so many spare tires? Because without them you will be off the road in a ditch and unable to carry on.

The exits and the tires are your protection against becoming lost or broken down on your way to a comfortable retirement goal. To get where you are going in any vehicle you must not be stopped so you have to find an exit ramp when everyone else stays on the stagnating highway. That spare tire is one of your stocks or mutual funds that has gone flat and must be replaced. You are going to make it. The poor (sic) people who have no plan will remain mired on the highway to nowhere.

There is a secret to being a successful investor and it is one word - SELLING. Yes, any fool can buy, but it is the wise man who knows how to sell. That is called an exit strategy. If you do not have one you are doomed to lose money. During the long term bull market from 1982 to 2000 everyone became a financial genius. Now that we are in a long term bear market (that history shows us lasts an equal length of time) many of those financial geniuses are back in kindergarten and may not have time to graduate.

As the current stock market becomes more dangerous it is time to get out your road map to see where the exits are. It is time to realize that some of your tires could be wearing thin and may need to be replaced. No one is going to do this for you. Not your broker or your financial planner. You are the driver and a successful conclusion to this journey is completely up to you.

By Al Thomas 

Explore review on The Silverline business solution

When you are looking for selecting a Forex trading platform, where you can make some investment, it’s vital to deal with the best trading firm. These days, economic condition is highly fluctuating and so you need to take excellent way to save your future. Investment is the vital way which you can consider to reap the future benefits. Factually, there are several of sorts of investments to consider and amid all Forex trading proves to be the most profitable one, when done rightly. In this regard, it is essential to select the reliable and credible holder.

The Silverline business solution (Ginmogen pt jireh trillion berjangka) is a vital financial service holder, based in INDONESIA.Officially registered this firm has attained a license to apt open trading. The company provides some trading products to the customers, so that they can make use of the same to enjoy best trading experience. The product that is being offered is Ginmogen binary option and Ginmogen fx numerology. Traders can choose the product based on their trading needs. The shares and rates will be clearly explained once when the agreement is made amid the two sides. The products tend to come in varied ways and system so one must have comprehensive understanding about the same prior to joining the trading platform.

Things to consider 

Ginmogen offers binary option to be renowned trading product that is concerned vitally with the Stock Indices,Forex and Commodities. There are lots of people across the globe trading in Forex to make investments and gain profits. It is renowned to be successfully reaching the typical turnover worldwide. The ultimate average, which is reached, tends to come about USD 3 trillion each day and this is something that factually great thing.

The silverline ginmogen review indicates that it is the best trade brokerage service provider that aids people to trade conveniently. The clients must join binary options with this company as they will have hassle-free facility to relish during trading. The firm provides spreads in highly competitive value to its clients and in turn aids a lot in trading. The trading process is fast as one need not have to deal with market orders. In the trading process, the clients are permitted to accept the order that coming from Forex market order specifically to execute the vital result. In such a case, The silver line ginmogen offers the world’s first operator of the Forex Forecast and Fx Numerology Platforms.

Besides, the customers are allowed to fund or withdraw the money as well. The silverline ginmogen is for sure not a scam, it is factual and the company is focused to the benefits of clients. Clients based on their desire can withdraw or fund the money with much ease. Another advantage in joining Forex trading platform with The silverline ginmogen is that there will be any sort of margin call happening whilst trading. The company lets the clients to go within the effective margin requirements.

Moreover, the clients might choose their required currency that they ponder it will take more benefits to them. The available vital currency at the firm includes; the Euro (EUR), the Great Britain Pound (GBP), the United States Dollar (USD), the Japanese Yen (JPY), the Swiss Franc (CHF), the Australian Dollar (AUD), the Canadian Dollar (CAD), and the New Zealand Dollar (NZD).
The silverline ginmogen is the renowned and reliable broker that lets you have the best and secure trading experience for sure!

Long-Term Investment In Today's Market?

The stock market is very unstable at this time going up and down while interest rates are so low you want to be a borrower and not a lender. Would you like some suggestions on how can you get the most out of low interest rates while being assured your principal will not disappear while you are trying to make some money? Of course, there is always the danger of borrowing the money and then spending it just because it is there.

So, would you also like to know what is the best way to borrow money at today's low rates without spending it? Buy real estate. Not any real estate but real estate that will hold its value, even if single family houses go down. It is apartment buildings. Because apartment rents are still going up, the value of apartment buildings have the best chance of appreciating while everything else goes down.

Low interest rates mean that you can have a positive cash flow at real estate purchase prices you would have lost your shirt on, even two years ago. Rates are currently 4.5% to 6.5% interest rates when we used to pay 9% for apartment loans just a few years ago. Apartments have become a better investment for two main reasons. First, carrying costs (interest costs) have been going down. Second, income has been going up, substantially. Can things be better than this? YES IT CAN.

I have developed two programs. One is to take people with a small net worth and build an estate or self directed IRA (tax free retirement plan) that is worth up to $800,000 in 15 years and that generates an income of $60,000 per year with both still going up after that.

For those that can put together $100,000 to start I have developed a second program where the numbers come in at $1,300,000 net worth, with a $100,000 annual net profit and in only 10 years. Unbelievable? And, with low risk as well! This comes out to be a 25% annual return with no roller coaster stock market ride. I figured out how to do it and it really works. I have done it before and I know many now retired senior citizens that have done it in the past.

The problem today with most 50+-year-old baby boomers is that they never got started in build a retirement fund. So now, instead of having the normal 30 years to build a retirement fund, they need to be there in 10-15 years. It might take one year of financial hell to come up with some cash. (That means no money for anything except accumulating cash) But after that, it can be a sweet painless ride to wealth. The best part is the possibility of failure is less than 10%, if my steps are followed

First: The money is not touched for 10 years. That is why a trust fund, IRA or a self directed retirement plan is a great place to put this.

Second: I have taken my 30 years of real estate experience to develop exactly which properties will give the biggest appreciation and cash flow and also be the best risks. Interestingly, almost everyone I talk to picks the wrong locations to buy until they hear the whole list of criteria.

Now that I have told you the lazy man's way to riches, let me tell you the downside. You have to have the correct timing on your purchase. In Dec 2001, everything was in place to do these two programs, in Los Angeles County. Unfortunately, by July 2002, the numbers didn't work any more. They did still work in Florida, for example, but not in Los Angeles. What happens is that prices go up after the rates go down. The seller sees how good a deal the buyer can get and raises the asking prices. So! Your timing to start these programs is very important. Do not be discouraged, though. If the numbers do not work today, it will work sometime tomorrow. The system is sound, and since we are talking long-term wealth accumulation, a little patience can go a long way.

By Willard Michlin

Understand about Capital Market Forex

The Forex market is known for providing one of the best and most professional ways to make money through trading, but out of all subsidiaries Capital Market is indeed one of the most important. What makes it very interesting is the fact that this is a globally renowned broker that offers financial brokerage services in no less than 100 countries all over the globe and which is known as being the to-go source when you want reliable, professional stock trading.

Supported products

As you can see from this Forex review, the Capital Market offers a wide range of products, which span over multiple industries. First, you have the Forex products and then you also have CFD products as well, which include energy, indices and metal prices as well. You can easily sell all of these through the professional interface offered here, which I personally thing it’s very good.

Bonuses

As a client, I was very interested in the bonus that this market offers. Simply put, they provide you with no less than 30%, and after checking it out I am sure that this is 100% real and not a scam, which is really good, because it’s a major incentive to use the platform.

Ease of use

The platform is offered in English and Chinese, so it does bring in Multilanguage support. At the same time, they bring a very good support, which I addressed a few times and the issues were solved in minutes, which is amazing.

I was impressed by the fact that they offer quite a lot of financial resources for you to use. These span from widgets and tools, then go up to rates and gainers/losers full listings, so you can easily get an idea in regards to the strategies you have to use and other important things. In fact, if you are a Forex beginner, like I am, you will find a wonderful education center to help you in those moments when you want to acquire more information about the platform.

Operating the account and trading

Trading on this platform is very easy to be honest, I found it very professional and filled with numerous options. The integrated help does help a lot, but if you are a professional you also have a ton of options for you as well, so it’s a great, easy to understand combination that’s also very enjoyable. The Live Demo they offer does a pretty good job in showing you the great results you can acquire while trading, so this is not a scam for sure. I liked that you can trade multiple stocks at the same time, which is a plus, but at the same time I enjoyed the numerous customization options offered within the platform and the fact that you can opt for a joint or individual account. They won’t restrict you even one bit, and that’s great because this is exactly what traders need.

Should I use Stock Capital?

Absolutely, this is one of the best and most reliable trading platforms out there. I am astounded by how good it is, and at the same time I am impressed with how much quality is included in it. If you are interested in a good trading platform, I would say to definitely keep an eye on Capital, as they are very good and definitely some of the best on the market!