Friday, 20 February 2015
Thursday, 12 February 2015
Originally posted on Financial Post:
Silver ain’t for the faint of heart.
The metal’s price swings have rattled investors so much that even a 10 percent rally last month wasn’t enough to boost purchases of exchange-traded funds backed by silver.
While the appeal of precious metals got a boost from stimulus measures in Europe and Asia aimed at bolstering stagnant economies, the rise in value also brought a surge in volatility. A week after nearing a bull market, prices on Jan. 29 fell the most since 2013, wiping $645 million in one day from the value of global funds linked to silver.
“We don’t ever invest in silver since it’s just so volatile,” James Shelton, who helps oversee $2.2 billion as chief investment officer of Kanaly Trust Co. in Houston, said in a telephone interview on Jan. 28. “If we feel we need to invest in precious metals, it will probably be gold.”
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Originally posted on Albert Aizin:
A chocolate cake. Pasta. A pancake. They’re all very different, but they generally involve flour, eggs, and perhaps a liquid. Depending on how much of each ingredient you use, you can get very different outcomes. The same is true of your investments. Balancing a portfolio means combining various types of investments using a recipe that’s appropriate for you.
Getting an appropriate mix
The combination of investments you choose can be as important as your specific investments. The mix of various asset classes, such as stocks, bonds, and cash alternatives, accounts for most of the ups and downs of a portfolio’s returns.
There’s another reason to think about the mix of investments in your portfolio. Each type of investment has specific strengths and weaknesses that enable it to play a specific role in your overall investing strategy. Some investments may be chosen for their growth potential. Others may provide regular income…
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Originally posted on preciousmetalcalculatorpro:
‘iTunes is the world’s easiest way to organize and add to your digital media collection’…Those of you who do not have iTunes on your computer may download it from the iTunes Store, get iTunes now…After downloading the apps from the App Store to your computer, you may add them to your iPod touch, iPhone or iPad. However, if the user is connected to a 3G, 4G, 5G, LTE or a Wi-Fi, he/she may buy apps directly from the iPod touch, iPhone or an iPad.
There is an array of apps that can be downloaded with the help of iTunes; these apps vary from business, books, education, to entertainment, lifestyle, music, finance, medical, and likewise. One of the most sought after apps is the precious metal calculator pro. This app can be downloaded using iTunes; The app is simply wonderful for a scrap metal buyer. It enables the user to get…
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Thursday, 5 February 2015
Originally posted on David Bayer:
You probably already know you need to monitor your investment portfolio and update it periodically. Even if you’ve chosen an asset allocation, market forces may quickly begin to tweak it. For example, if stock prices go up, you may eventually find yourself with a greater percentage of stocks in your portfolio than you want. If stock prices go down, you might worry that you won’t be able to reach your financial goals. The same is true for bonds and other investments.
Do you have a strategy for dealing with those changes? You’ll probably want to take a look at your individual investments, but you’ll also want to think about your asset allocation. Just like your initial investing strategy, your game plan for fine-tuning your portfolio periodically should reflect your investing personality.
The simplest choice is to set it and forget it–to make no changes and let whatever happens happen. If…
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Originally posted on Michael Greer:
Planning on working during retirement? If so, you’re not alone. An increasing number of employees nearing retirement plan to work at least some period of time during their retirement years.
Why work during retirement?
Obviously, if you work during retirement, you’ll be earning money and relying less on your retirement savings–leaving more to potentially grow for the future and making your savings last longer, as shown in the example below:
- Retirement savings $1,000,000
- Earnings rate 6%
- Preretirement income $150,000
- Social Security $2,000/month
- Desired income replacement 80% ($120,000/year,
|Without working, you’ll need to use $8,000 ($10,000 desired income minus $2,000 Social Security) of retirement savings per month, and your savings will last 16 years.|
|But if you earn this amount monthly:||for 3 years, your savings will last:||for 5 years, your savings will last:||for 10 years, your savings, will last|
|$1,000||17 years||18 years||19 years|
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