{"id":1255,"date":"2010-07-31T02:32:15","date_gmt":"2010-07-31T08:32:15","guid":{"rendered":"http:\/\/ishmaels.net\/blog\/?p=1255"},"modified":"2010-07-31T02:32:15","modified_gmt":"2010-07-31T08:32:15","slug":"rules-for-investing-how-to-build-a-portfolio-of-safe-secure-investments","status":"publish","type":"post","link":"https:\/\/www.ishmaels.net\/blog\/2010\/07\/31\/rules-for-investing-how-to-build-a-portfolio-of-safe-secure-investments\/","title":{"rendered":"Rules for Investing- How To Build a Portfolio of Safe, Secure Investments"},"content":{"rendered":"

Ok a little posting about investing. Pulled this article as it has some merit. I like the way he divides the focus into groups by age and need<\/strong>. I don’t think the expectations for the returns are anywhere close based on todays markets, global economies, and potentials. <\/p>\n

A reasonable focus might be half the numbers on the upper end and maybe the low-end numbers are ok? as listed for the risk<\/strong> categories. Until things change and we quit needing substantial government bail-outs and “small business” starts hiring people in greater quantities than we are loosing this lower expectation may be the norm we should look for. <\/p>\n

The sell thresholds are good as a starting point as we always need<\/strong> an exit plan and should set, at least in our notes and mind, the “stop-loss” point for any investment as well as the “take-profit-now” points. <\/p>\n

I don’t care for mutual funds anymore when ETF’s can do the same things at a much lower cost and as you should read in most trusted investment blogs, few fund managers are able to consistently do better than the average bundle of the S&P. <\/p>\n

I would also add Rule 7 – spend at least some time<\/strong> each week reviewing your investments, reading about some of your investments and not let them run away from you ( too high or too low) without knowing why or getting out in time<\/strong> to save capital<\/strong>. <\/p>\n

Never pay someone else to manage your investments on a percentage of the value. This is, in most cases, the surest way to lose money over time<\/strong>. <\/p>\n

Again: some of the best places I know of to find great information and learning tools are:
\nBespoke<\/a>
\nThe Motley Fool Boards<\/a>
\nStreettalklive<\/a>
\nThis site also has a good weekly “free” newsletter called the X-Factor
\nAnd of course I check out STocktwits<\/a> – WD0AJG<\/p>\n

Developing an Investment<\/strong> Plan:<\/p>\n

In order to invest wisely, you need<\/strong> to have a suitable investment plan that will ensure the appropriate amount of growth for you. Your investments will also need<\/strong> to be safe and easy to manage.
The first step in developing an investment plan is to identify what type of an investor you are. Investor types are often determined by their stages in life. Here is a guide:<\/p>\n

–\tSingle person under 40 years old. Focus: Long-term<\/strong> investments, medium<\/strong> to high risk<\/strong>. Emphasis: capital<\/strong> gain, compound growth.<\/p>\n

–\tTwo-income married couple, no children, aged 20 to 40 years. Focus: Long-term<\/strong> investments, medium<\/strong> to high risk<\/strong>. Emphasis: capital<\/strong> gain, compound growth.<\/p>\n

–\tOne-income family, young children, aged 20 to 40 years. Focus: Long-term<\/strong> investments, low to medium<\/strong> risk<\/strong>. Emphasis: compound growth.<\/p>\n

–\tSingle person, aged 40 to 60 years. Focus: Medium-term<\/strong> investments, medium<\/strong> risk<\/strong>. Emphasis: capital<\/strong> gain, compound growth.<\/p>\n

–\tMarried couple with adolescent or independent children, aged 40 to 60 years. Focus: Medium-term<\/strong> investments, medium<\/strong> risk<\/strong>. Emphasis: capital<\/strong> gain, compound growth.<\/p>\n

–\tAll investors, aged 60 and over. Focus: Short to medium-term<\/strong> investments, low risk<\/strong>. Emphasis: Income.
The following are examples of investment portfolio mixes for the various types of investors.<\/p>\n

Low Risk Investments:<\/p>\n

Low risk<\/strong> investments are predominately cash, fixed interest and superannuation. This has the lowest risk<\/strong> of all investments but has also the lowest return – in today’s market, approximately 3% to 6% per annum. Fixed interest includes cash, cash management trusts and bonds. They return approximately 5% to 10% per annum, sometimes as high as 15% if you invest in global bonds in good markets.
Superannuation returns and risk<\/strong> profiles vary from institution to institution, however the best and safest usually return on average 10% per annum.<\/p>\n

Medium Risk Investments:<\/p>\n

Medium risk<\/strong> investments include property and non-speculative shares. Diversified funds, which invest in a range of asset groups, are also considered to have medium<\/strong> risk<\/strong> profiles. Average returns from these types of investments will range from 8% to 15% per annum.
I also like to include the broad spectrum of mutual funds, to be discussed later, in the range of medium<\/strong> risk<\/strong> investments. Some can return up to 25% and more depending on the fund type and managers.<\/p>\n

High Risk Investments:<\/p>\n

High risk<\/strong> investments include all speculative shares, futures and any other type of investment that is purely speculative by nature. Because with these types of investments we are betting on whether the price will go up, or sometimes down, I often classify this as a form of gambling. Accordingly, the returns are unlimited but so is the ability to lose the total money invested.
The basic rule for investing in highly speculative stock<\/strong> is to build in “sell-out” thresholds, three up and three down. For example, if you buy a stock<\/strong> at $20.00 per share, your sell-out thresholds might be:<\/p>\n

Sell out threshold 3\t\t\t$30.00<\/p>\n

Sell out threshold 2\t\t\t$25.00<\/p>\n

Sell out threshold 1\t\t\t$22.50<\/p>\n

Buy\t\t\t\t$20.00<\/p>\n

Sell out threshold -1\t\t\t$17.50<\/p>\n

Sell-out threshold -2\t\t\t$15.00<\/p>\n

Sell-out threshold -3\t\t\t$10.00<\/p>\n

Each time<\/strong> your stock<\/strong> reaches one<\/strong> of the threshold levels, you sell a third of your stock<\/strong>.
If the stock<\/strong> starts to rise, you sell a third at $22.50 and then another third at $25.00 and so forth. If the stock<\/strong> starts to fall, you also sell a third at $17.50, then another third at $15.00 and the final third at $10.00. In this way, you will never lose all your money, however you have also put a cap on the total profit you will make on the investment. This I have found to be the best and safest method for investing in speculative shares. In 1987, my husband and I were saved from the severe losses of the Wall Street crash because we were well and truly out of the market<\/strong> by taking our profits beforehand. Like all systems, this strategy will only work as long as you obey the rules and do not get too greedy.<\/p>\n

Mutual Funds:<\/p>\n

Mutual Funds are a selection of investments that are professionally managed by a financial institution or organization. These institutions have a wide range of specialists, researchers and advisor’s who devote their time<\/strong> to ensuring that the fund invests in the best companies and assets.<\/p>\n

As well as the advantage of having experts manage your investments, managed funds also give you the ability to invest in a wide range of shares, property or fixed interest markets, either locally or internationally, for as small an outlay as $1,000. In the latter case, they also require a ‘savings plan’ where you agree to deposit additional capital<\/strong> of a minimum $100.00 per month.
Because managed funds cover the whole spectrum of investment risk<\/strong> profiles, you can easily cover your preferred investment portfolio, as described above, by investing in several different funds.<\/p>\n

Putting Together Your Investment<\/strong> Program:<\/p>\n

After you have identified your investment type, you need<\/strong> to either seek a good financial advisor or devote your own time<\/strong> in researching investment options.<\/p>\n

Shares have traditionally outperformed other asset groups over time<\/strong>. However, share markets can widely fluctuate in the short term, so any entry into the market<\/strong> should always be done with a long-term<\/strong> view of up to 10 years. Even the best managed share funds can fall if the stock<\/strong> market<\/strong> crashes or enters a severe downward cycle. As long as you ensure that you are with a reputable fund with good managers and are willing to ride the ‘waves’, your investment will do well in the long-term<\/strong>. If you are in the short-term, low risk<\/strong> category then your investments should be in the safer, more stable areas with lower returns.<\/p>\n

Rules for Investing:<\/p>\n

Investing may seem daunting for a lot of people. Maybe you have tried it once and failed, or maybe you are simply frightened of losing your money.<\/p>\n

To avoid losing any capital, you simply need<\/strong> to be aware of the main pitfalls and always avoid them. The simple, reliable rules for investing are:<\/p>\n

1.\tHave a plan. Always ensure that you or your financial advisor draws up an appropriate investment strategy for you that incorporates your risk<\/strong> profile, timeframes and financial goals. As foolish as it seems, many people plunge headfirst into investing without thoroughly working through these fundamental issues.<\/p>\n

2.\tDon’t put all your eggs in one<\/strong> basket. Obvious advice, but many people fail to follow it. Many people think that they are on the right financial track by paying off the mortgage on their family home and then buying another property for investment purposes. Think about it! You have put all of your financial eggs in one<\/strong> asset basket – property. What happens if the property market<\/strong> collapses? Despite common thinking that this is a safe way to invest, the outcome is very risky. You have invested all of your well-earned money into only one<\/strong> area.<\/p>\n

3.\tBuild in appropriate timeframes. There is an old saying, “When the tea lady starts to invest in the stock<\/strong> market, it’s time<\/strong> to get out.” What this means is, when the share market<\/strong> is so high that everyone starts to clamber on board, it has probably reached its peak. There are two ways of successful investment timing. The first is to always pick the low-end of the market<\/strong> to buy and the high-end of the market<\/strong> to sell. This is extremely hard to do. Even the best-informed experts have trouble. The second way is to choose good investments and stay with them over the long-term<\/strong> (say 10 years or more) and ride the waves of the market<\/strong>. For safe, easy investing, choose the second method. Do not buy into the top-end of the market<\/strong> and sell once it starts to fall. You will definitely lose money this way.<\/p>\n

4.\tAvoid high-risk<\/strong> investments. These include risky business ventures, highly speculative stock, tax avoidance schemes or too-good-to-be-true propositions that promise unusually high returns.<\/p>\n

5.\tAvoid borrowing for your investments. Although some financial advisors advocate “gearing your investments”, this can be fraught with danger. Gearing means to borrow. If borrowing for investments takes you over your 40% fixed costs margin, you will be cutting it too fine, particularly if you lose your current income level.<\/p>\n

6.\tStay with the traditional and known. As described in this chapter, the best and surest investments are fixed interest, property and shares. Work out the optimum mix for your investment profile, have a safe plan to work with and you can’t go wrong.<\/p>\n

Ann Marosy is an accountant, consultant, and motivational speaker. She was formally the Financial Controller of an Aust subsidiary of the Fortune 500 Company, Jardine Matheson; Finalist of SA Executive Woman of the Year and is the author of ‘The Money Program: How to Manage the 6 Stages of Wealth’ and ‘Money Rules: The 7 Simple Rules of Money Management’.<\/p>\n

Visit her website at http:\/\/www.moneta.com.au<\/a><\/p>\n

Author: Ann Marosy<\/a>
Article Source: EzineArticles.com<\/a>
Digital Camera Information<\/a><\/p>\n

[ad name=”Amazon-product Cloud”]<\/p>\n","protected":false},"excerpt":{"rendered":"

In order to invest wisely, you need to have a suitable investment plan that will ensure the appropriate amount of growth for your circumstances. Your investments will also need to be safe and easy to manage. Safe investing is easy as long as you know and follow the basic rules. <\/p>\n

“And Now the Rest of the Story – “Rules for Investing- How To Build a Portfolio of Safe, Secure Investments<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[13],"class_list":["post-1255","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-bbs","odd"],"yoast_head":"\nRules for Investing- How To Build a Portfolio of Safe, Secure Investments - And That was How it Went<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ishmaels.net\/blog\/2010\/07\/31\/rules-for-investing-how-to-build-a-portfolio-of-safe-secure-investments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rules for Investing- How To Build a Portfolio of Safe, Secure Investments - And That was How it Went\" \/>\n<meta property=\"og:description\" content=\"In order to invest wisely, you need to have a suitable investment plan that will ensure the appropriate amount of growth for your circumstances. 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Here is a run-down of the traditional investments and how they can work as retirement investments. You also need to consider how retirement specific accounts help support your retirement investing and how to\u2026","rel":"","context":"In \"Ishmael Bathurst Genology\"","block_context":{"text":"Ishmael Bathurst Genology","link":"https:\/\/www.ishmaels.net\/blog\/tag\/ishmael-bathurst-genology\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1130,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/07\/27\/new-to-investing-simple-guidelines-for-success\/","url_meta":{"origin":1255,"position":1},"title":"New to Investing? Simple Guidelines for Success","author":"wd0ajg","date":"July 27, 2010","format":false,"excerpt":"A financial adviser and friend once told me, \"It doesnt matter how good of job someone has, if they want to acquire wealth in this life, at some point they are going to have to invest in something.\" Here are a few basic ideas and tips for someone just beginning\u2026","rel":"","context":"In \"BBS\"","block_context":{"text":"BBS","link":"https:\/\/www.ishmaels.net\/blog\/tag\/bbs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2059,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/09\/03\/investing-did-you-ever-look-at-this-way\/","url_meta":{"origin":1255,"position":2},"title":"Investing \u2013 did you ever look at it this way?","author":"wd0ajg","date":"September 3, 2010","format":false,"excerpt":"I copied this from an investment letter I read. I had not really looked at it this way but following his numbers it is a real payout. I fully agree that the Solar stock (most all of them) are \"wishful thinking\" at present. I would really like to do solar\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":987,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/07\/18\/investing-and-politics\/","url_meta":{"origin":1255,"position":3},"title":"Investing and Politics","author":"wd0ajg","date":"July 18, 2010","format":false,"excerpt":"Doing some of my weekly financial reading - not that it helps me much as I can still make huge mistakes but some of the things I read just hit a real logical spot. like this statement from one of those investment letters you can end up with. \"It's virtually\u2026","rel":"","context":"In \"APRS\"","block_context":{"text":"APRS","link":"https:\/\/www.ishmaels.net\/blog\/tag\/aprs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":3336,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/11\/21\/learn-from-your-investment-mistakes\/","url_meta":{"origin":1255,"position":4},"title":"Learn From Your Investment Mistakes","author":"wd0ajg","date":"November 21, 2010","format":false,"excerpt":"From the time we were born, we learned from our mistakes. As investors, we need learn to invest by recognizing our mistakes and making appropriate changes to our investing discipline. When we make a losing investment, do we recognize our mistake and learn from it, or do we attribute it\u2026","rel":"","context":"In \"BBS\"","block_context":{"text":"BBS","link":"https:\/\/www.ishmaels.net\/blog\/tag\/bbs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2710,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/10\/17\/what-you-should-know-before-you-invest-in-mutual-funds\/","url_meta":{"origin":1255,"position":5},"title":"What You Should Know Before You Invest in Mutual Funds","author":"wd0ajg","date":"October 17, 2010","format":false,"excerpt":"Most small investors however have a very limited understanding of mutual funds that goes something like this a mutual fund is a \"pool of money invested in stocks or interest bearing instruments\" by those who are experts in the field. 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