Archive for the ‘Investment Advice’ Category

by Ron Sombilon Gallery

Jeremy Siegel of Wharton at the World Affairs Council


Image by World Affairs Council of Philadelphia
Harv Cohen, senior vice president of Wachovia Securities, with Jeremy Siegel.

Wachovia Securities provides financial advisory, brokerage, asset management and other financial services through approximately 18,000 registered representatives in more than 3,700 locations nationwide, helping clients make the most of their existing and potential assets by offering sound investment advice and providing the highest level of service.

Recently there has been a resurgence in investing in gold and other precious medals. Since no one can predict whether or not your investments will go up or down, getting reliable and sound gold investment advice should be step number 1.

Of course, in order to make money on your gold investment you need to buy right. When buying gold you can either buy gold bars or gold coins.

Of course, when it comes to investing your ultimate goal is to make money when you sell, more money than you paid for the gold when you bought it.

To get the most out of your sale you have to consider when and to whom you will sell when the time comes. Will you sell all your gold in one batch or will you sell it off a little here and a little there? The reason you want to consider these issues now is that it can help you figure out what types of gold you should buy.

If you want to sell off your gold over time, you’re probably better off buying coins since you can sell one or all of your coins but if you had only gold bars you can’t just sell a portion of the gold bar.

Make sure that you consider your exit strategy when buying your gold. The types of coins you buy will have a lot to do with how easy they are to sell as well. All of this will need to be thought about before you start your investing career.

If possible, you should try to find a reputable local dealer. More than likely you will be spending a lot of time investing in gold. It’s always a good idea to have someone close to home who you can ask questions of and learn from.

If you either don’t have anyone close to home, or you simply don’t trust the people you find locally, you can always turn to the internet to find dealers. While it’s always important to ensure that the dealers you work with are reputable, it’s probably even more important when finding online dealers.

It can be hard to gauge the trustworthiness of someone you can’t actually talk to in person. Do a search on Google and look for testimonials.

Don’t ever be afraid to ask for help and ask questions. The best thing you can do for yourself is to take a lot of time to educate yourself. Don’t every just turn your money over to a dealer and let them make all the decisions about what type of gold is best for you to invest in. Always be an active partner in your investing.

Investing in gold can be a great way to hedge against certain economic conditions. As with all investing, the amount of success you have will be in direct proportion to the amount of knowledge you have. Take the time to get solid gold investment advice and never be afraid to ask questions.

by halflifehalflived

Jeremy Siegel of Wharton at the World Affairs Council


Image by World Affairs Council of Philadelphia
Harv Cohen, senior vice president of Wachovia Securities introduces Jeremy Siegel.

Wachovia Securities provides financial advisory, brokerage, asset management and other financial services through approximately 18,000 registered representatives in more than 3,700 locations nationwide, helping clients make the most of their existing and potential assets by offering sound investment advice and providing the highest level of service.

If you carefully consider it, the whole view point to all investment advice comes down to telling you how to choose at a low enough price tag, and after that sell when the prices look up. But in some manner, predicting the correct moment, is nearly impossible – particularly at a time like last year when the markets ended up on a roller coaster – on its way into an abyss. Even the careful mutual fund market, experienced such a difficult time discovering the right times to purchase and sell last year, they actually performed a lot more badly compared to Standard & Poor’s index criteria. And it wasn’t just for this past year either; this is the manner trading mutual funds and stock markets turns out, if you look at it over a long enough period of time. This has been like they tell you about casinos – over the long term, the house always wins.

The reason things pan out so badly, is the fact that, the investment decision in the stock market (or even the majority of mutual fund committees) is mostly managed by either an amateur investor or even a myopic expert whose formulae know no better; then there is hardly anything technical about how an amateur investment method goes about its operation. Individuals like that prefer to obtain stocks like how they purchase cars – if it make them look good, and the guys also have it, is it still a bad thing then? They possibly never have been aware of investment advice from the meticulous investors, that advocates investment practices similar to asset allocation. These may sound daunting, but if you will try to give it a shot, you will learn that almost every body can achieve this.

These difficult terms truly just mean this: invest regularly in so many different kinds of companies and stocks, that poor results in no one area will stick it to you that hard. A thoroughly varied holding of bonds, stocks and real estate property that consider the counsel of a myriad of well-regarded indexes, is how you’re expected to put your cash. What individuals do generally, is, when they see something rising, they delay for a time to make certain that it will keep going up, after which they buy: if the stock is near to reaching its peak. And then when it heads down, they wait around a while to make certain that it is really heading down, and sell when it’s near its individual worst at a contest to the floor. This popular investment strategy is all about momentum. And if you consult your buddies about what to get, rather than an expert, you tend to get smart investing advice such as this.

A non-intuitive (but valuable) piece of investment advice you should check into is one that asks you to spend money on stocks which can be at their worst. If you are investing for future years, ordinarily it is the ones that are doing their worst at the moment, thathave the best possibility of getting better. In rational terms. As perverse as this appears, it does work. What happens in real life when you try this type of smart investing advice. There are lots of investment firms like Vanguard, that try to do just this, and their mutual funds are actually hardly touched by the downturn. I really found that positioning your hard earned money in a mutual fund that invests half in stocks and bonds, gets you just about an 8% yield annually. Getting a little bit more partial to the stocks, usually brings an improved return. In an financial climate where individuals are suffering heavy loses, this looks pretty good.

by Ron Sombilon Gallery

3.24.09 HELP 001


Image by House Committee on Education and the Workforce Dem
All the witnesses that testified at a hearing regarding the importance of an independent investment adviser on March 24, 2009.

The Worldwide Investment Advice Industry report, published annually by Barnes Reports, contains timely and accurate industry statistics, forecasts and demographics. The report features 2010 current and 2011 forecast estimates on the size of the industry (sales, establishments, employment) for the 47 largest world countries, including United Kingdom, France, Germany, Italy, Spain, Russia, China, Japan, India, Australia, Canada, Mexico, Brazil, Argentina and South Africa. The report also includes industry definition, 5-year historical trends on industry sales, establishments and employment, a breakdown of establishments, sales and employment by employee size of establishment (9 categories), and estimates on up to 10 sub-industries, including investment advise, investment counselors, and mutual funds managers.

Table Of Contents :

1-Argentina
2-Australia
3-Austria
4-Belgium
5-Brazil
6-Canada
7-Chile
8-China
9-Colombia
10-Czech Rep
11-Denmark
12-Egypt
13-Finland
14-France
15-Germany
16-Greece
17-Hungary
18-India
19-Indonesia
20-Iran
21-Ireland
22-Israel
23-Italy
24-Japan
25-Malaysia
26-Mexico
27-Netherlands
28-New Zealand
29-Norway
30-Pakistan
31-Phillipines
32-Poland
33-Portugal
34-Russia
35-Saudi Arabia
36-Singapore
37-South Africa
38-South Korea
39-Spain
40-Sweden
41-Switzerland
42-Taiwan
43-Thailand
44-Turkey
45-United Kingdom
46-United States
47-Venezuela
48-Appendix: Definitions & Terms

To know more about this report & to buy a copy please visit :
http://www.visionshopsters.com/product/6911/2010-Worldwide-Investment-Advice-Industry-Report.html

Contact us:

Visionshopsters
Ph : 91-22-40583020
Emailid: marketing@visionshopsters.com
Website : www.visionshopsters.com

About Us :

Visionshopsters specializes in providing comprehensive collection of online market research reports, events bookings, country reports, company profiles, latest books and magazines, customized research services offering informative solutions worldwide. We constantly believe in providing inventive solutions to clients all across the globe. Our clientele consists of over thousands of top most academic organizations, financial institutions, trading companies, legal service providers, accounting consultancies and other corporate business executives.

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by Ron Sombilon Gallery

It’s just a plain fact that one of the many things that this nation has to keep it and its economy growing strong, is it’s heavily diversified financial services sector. Even so, for the individual investor and you may be one of the many out there, it’s the diversity in and of itself that can make the decision of what to select from in this genre so incredibly difficult.

You see the problem for investors and entrepreneurs today with an eye towards growth is that actual business environment, particularly in the financial services sector has become so complicated, and sophisticated that the opinions of a qualified investment adviser are a pretty much prerequisite.

In general, financial investment advisers tend to break down investing into two distinct categories, and those are what are commonly referred to as indirect and direct investments. You may already be superficially familiar with direct investments because those tend to be the most talked about when you’re among friends, and acquaintances.

They come in the form of the vast selection of stocks in publicly owned companies, and government issued, or private bonds that are openly traded each working day on the stock market. Now what drives the price either up or down, is basic supply and demand and that in and of itself can be influenced by any number of factors.

In simple terms, when any one company is performing well or its future prospects appear to be positive or bright, demand will increase which in turn will bring down supply, and the result of this is that their values will rise. Also another factor along with demand that can work to drive or prop up the value of these types of investments, is shared dividends, or in a sense a cut of the company profits.

What bonds are is loans that have been taken out by businesses and government entities and when you purchase a bond you in effect assume a share of that loan. The benefit of these financial instruments is that they carry absolutely no risk of value decline, but their downside is that their percentage return rate is fixed, as is their payout when they mature.

Then we come to the second category and this is the one that financial investment advisers like to refer to as indirect investing and while your money does work in the same pool as direct investing, it does so in sort of group collaboration called trusts, and open ended investment companies. That is that it’s put into fund that is overseen, and parlayed by a manager, or group of managers.

The benefit of this type of investment, is you’re risk is limited by a larger level of diversity than you could achieve on your own. In short, your money gets spread around further. Also you have the added luxury of being able to examine past performance of these types of group investment plans before you buy into it.

Now there are two ways that you can go about direct investing in stocks and bonds and group investment plans and the first method is to do your own research, and base your decisions off of the results of it. However; keep in mind that the road in and out of this particular market sector is littered with the corpses of self styled experts. The second way is to seek out professional financial investment advice.

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by OptionsHouse

InvestorsGroup_RonSombilonGallery (29)


Image by Ron Sombilon Gallery
Olympic Celebration Party @ the Shangri La Hotel – hosted by Simon Wisniewski & Robert Bisbicis

photos by Ron Sombilon

www.InvestorsGroup.com
www.RonSombilonGallery.com

About Investors Group

Investors Group Vision Statement
Our vision is to be the best financial services company serving the long term needs of individual Canadians.

At Investors Group:

We relate to our diverse clients through comprehensive planning.
In all of our endeavours we are diligent in our efforts.
We respect each other and the communities we serve by being people who care.
Corporate profile
Investors Group Inc. is a Canadian leader in providing personal financial planning services, and is dedicated to building lasting client relationships. Our primary objective is to help Canadians plan for financial security by providing quality financial planning advice and products through a network of Consultants.

Investors Group offers financial planning, a unique family of mutual funds and a comprehensive range of other investment products and financial services, including Registered Retirement Savings Plans, Registered Retirement Income Funds, Deferred Profit Sharing Plans, life and disability insurance, Guaranteed Investment Certificates and mortgages.

Today, Investors Group serves over one million clients through our dedicated Consultant Network and staff team, working out of hundreds of Financial Planning Centres across Canada.

Investors Group Inc. is a member of the IGM Financial Inc. group of companies. The shares of IGM Financial Inc. are listed on The Toronto Stock Exchange. The stock exchange symbol is IGM.

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Every investment employs your hard earned money, and hence should be done with care. If you are looking to put in money in real estate, property investment advice is something you cannot do without. The inflation and boom in this industry has set the rates soaring, but with a little bit of thought out planning and thorough research, you can strike the best. There are several aspects of investing in properties which one must take into account before taking the plunge.

Thinking Ahead

The real estate industry works over a nearly regular cycle of around a decade. Prices vary consistently and there are always extremes at both ends. In order to estimate the true value of a prospective investment, monitor the property cash flow. This shall give you an idea of the direction its prices are headed. This shall also allow you to plan your future as to how you shall deal with the mortgage returns and other expenses.

Peripheral Expenses

On every investment in a property, there are always some expenses other than the actual cost that you will incur.  Real estate investment is mostly taxable, and the expenses on repairs and maintenance are also included. The income from the property should always be more than what it costs to you, or if it is a stagnant property, its projected value when you plan to sell it, should exceed all that you invest into it.

The profitability or contrary of the property is referred to as positive or negative gearing. The extra income is taxable too, but the deductions are from a surplus and not from a bare minimum required to keep the property in condition.

Equity Multitasking

Using existing equity from your home or other privately owned property provides you with resources that make a great starting point for investing in a new property. Real estate equity is an asset that can help you muster enough capital for a new investment without the need of looking into bank accounts. A certain percentage of the price of the concerned property can be invested into another, given that the owner is comfortable with the schemes of repayment.

Pool your Resources

More often than not, a common investor runs out of money to fully own new property. As most common people are not multi millionaires who can afford to buy real estate assets and grocery in the same fashion, going for a collective property deal can be a bright idea. Invest into new property along with friends, family or even with colleagues from work. The benefits and the loans are both shared proportionately amongst the involved parties. The share in the spoils or liabilities of the property can be decided informally or through a proper legal agreement, and can be directly proportional to the stake the individual holds.

Professional Help

Property investment advice from a real estate agent or a professional counseling agency can help you iron out the creases in your modus operandi. Getting your financial advisors into the loop is a must, as they can help you assess the potential and scope of your investments better.

Related Investment Advice Articles

by House Committee on Education and the Workforce Dem

InvestorsGroup_RonSombilonGallery (34)


Image by Ron Sombilon Gallery
Olympic Celebration Party @ the Shangri La Hotel – hosted by Simon Wisniewski & Robert Bisbicis

photos by Ron Sombilon

www.InvestorsGroup.com
www.RonSombilonGallery.com

About Investors Group

Investors Group Vision Statement
Our vision is to be the best financial services company serving the long term needs of individual Canadians.

At Investors Group:

We relate to our diverse clients through comprehensive planning.
In all of our endeavours we are diligent in our efforts.
We respect each other and the communities we serve by being people who care.
Corporate profile
Investors Group Inc. is a Canadian leader in providing personal financial planning services, and is dedicated to building lasting client relationships. Our primary objective is to help Canadians plan for financial security by providing quality financial planning advice and products through a network of Consultants.

Investors Group offers financial planning, a unique family of mutual funds and a comprehensive range of other investment products and financial services, including Registered Retirement Savings Plans, Registered Retirement Income Funds, Deferred Profit Sharing Plans, life and disability insurance, Guaranteed Investment Certificates and mortgages.

Today, Investors Group serves over one million clients through our dedicated Consultant Network and staff team, working out of hundreds of Financial Planning Centres across Canada.

Investors Group Inc. is a member of the IGM Financial Inc. group of companies. The shares of IGM Financial Inc. are listed on The Toronto Stock Exchange. The stock exchange symbol is IGM.

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For any company to function successfully, it is important that all their investment advice comes from a team of professionals. Every company will either have a team of in house professionals helping them in this area or they would have outsourced it to a professional organisation that specialises only in corporate investments.

Professional investment advisors have the expertise

When it comes to investment advice, the most important reason you should consider the professionals is because of their expertise in the field. Depending on the kind of professional advisors you choose, they will have an adequate number of years of experience backing them. This gives them the advantage of sound judgement when it comes to capital investments and buying and selling. This judgement helps you make better choices.

Underwriting and security

Corporate investment is no small job. Depending on the size of the company and the value of the deal there is a significant amount of risks involved. Hiring professionals to give you investment advice on these will not only save you a lot of time and money in terms of research and groundwork, but it will also safe guard your interest. When you hire professionals, they will first in foremost consider the wellbeing of your company and hence you will not have security and other such issues.

Investment bankers work with regulatory authorities

When you work with a reputed investment banker for any kind of investment advice when it comes to your company, you can be assured of the fact that they are working under the regulations and guidelines of a much larger governing body. This will work well for you as a company as the investment banker in question will have to work within a set of laid out guidelines.

Related Investment Advice Articles

by OptionsHouse

InvestorsGroup_RonSombilonGallery (9)


Image by Ron Sombilon Gallery
Olympic Celebration Party @ the Shangri La Hotel – hosted by Simon Wisniewski & Robert Bisbicis

photos by Ron Sombilon

www.InvestorsGroup.com
www.RonSombilonGallery.com

About Investors Group

Investors Group Vision Statement
Our vision is to be the best financial services company serving the long term needs of individual Canadians.

At Investors Group:

We relate to our diverse clients through comprehensive planning.
In all of our endeavours we are diligent in our efforts.
We respect each other and the communities we serve by being people who care.
Corporate profile
Investors Group Inc. is a Canadian leader in providing personal financial planning services, and is dedicated to building lasting client relationships. Our primary objective is to help Canadians plan for financial security by providing quality financial planning advice and products through a network of Consultants.

Investors Group offers financial planning, a unique family of mutual funds and a comprehensive range of other investment products and financial services, including Registered Retirement Savings Plans, Registered Retirement Income Funds, Deferred Profit Sharing Plans, life and disability insurance, Guaranteed Investment Certificates and mortgages.

Today, Investors Group serves over one million clients through our dedicated Consultant Network and staff team, working out of hundreds of Financial Planning Centres across Canada.

Investors Group Inc. is a member of the IGM Financial Inc. group of companies. The shares of IGM Financial Inc. are listed on The Toronto Stock Exchange. The stock exchange symbol is IGM.

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Real estate prices are governed by a huge number of factors. Therefore, real estate investing advice is not like a sure shot prescription about how you should invest. Rather, it is a broad set of guidelines that will help form your own thumb-rules. The most important best real estate investing advice is to look around, study the marketplace, and weigh the two channels of earning money – through rent and through price appreciation.

More Investment Advice Articles

If you don’t want to be “broker”, fire your Broker! Sound a little rash?  Think about it.  Did you lose a big chunk of your retirement savings back in 2000-2003?  Most lost 40-60%.  Did you lose again in 2008?  Many lost 20-40% or more!  Now ask yourself this question, “Did you ever get back to even?”  The answer is no doubt NO!  So what makes you think it won’t happen again?  Somehow magically your broker will get it right next time?  OF COURSE NOT!

So ask yourself, “What happens if the market goes down at a time when you need the money to live on?”  Of course the answer is simple, you now have a new LOWER lifestyle. How would it make you feel to have to take a “pay cut” when your retired?  AND THERE’S NOTHING YOU CAN DO ABOUT IT!  At least not after it happens.

There is however something you can do about BEFORE it happens!  You can move to “safe” money.  More on that in a minute.  Most retirees I’ve met fail to realize that as you get older your retirement plan has to change.  Accumulation isn’t as important as preservation; protecting your nest eggs from breaking!  Now you need INCOME THAT’S GUARANTEED TO LAST THE REMAINDER OF YOUR LIFE EVEN IF YOUR ACCOUNT RUNS OUT OF MONEY.  With that in mind can your brokerage account, stocks, bonds, mutual funds, reits, CD’s money market any of them provide that?  NO, NO AND AGAIN NO!! So why are you stubbornly holding on to something that CAN’T give you what you want and need?  Only YOU can answer that but it’s a question that needs to be answered.

It’s called “CHANGE”! We hate change.  We avoid it like the plague.  We don’t like to have to adjust – to move from our comfort zone – to have to LEARN something new! Instead we put our heads in the sand and hope it all goes away.

We say things like, “The market will come back”, “I’ll lock in my losses if I move my money now”, “It’s worked up till now”, “I trust my broker; I’ve worked with him for years” – you fill in the blank – what’s your favorite PROCRASTINATION phrase? How ’bout “I’LL THINK ABOUT IT!”  You keeping talking and YOU keep losing!  We’re so good at putting things off till disaster hits.  In fact, over the years I’ve been doing this, I’ve only met one guy who made a timely decision and even then it was pure luck!

He had come to one of my Senior Estate and Retirement workshops to hopefully get some retirement advice that would work.  At one point, I was talking about stock market risk when he raised his hand.  He asked if he could share something with the group and I told him to go ahead.  He said that the previous fall (fall of “08) right before the collapse he had an uneasy feeling about the investment advice he’d gotten from his broker.  He had pretty much decided to move his money to cash to avoid the risk but was going to leave it another month or two to try to “squeeze” out a little more earnings.

He woke up one morning and felt uneasy as he looked at his investment accounts; an urgency.  He hadn’t gotten back “even” yet but decided to go ahead and move out of the market. THE MARKET FELL THE NEXT DAY! He dodged the bullet! But was it on his brokers investment advice?  NO. (Have you ever know a broker who said move your money out of the market so as not to risk the loss?  NEVER! THAT’S HOW THEY MAKE THEIR MONEY!)  No he just had a feeling. He told us he would have lost over half his retirement savings and probably would have had to go back to work.  At age 70 or so that would not have been a lifestyle change most of us would not want to face.  He realized his retirement plan needed to be tweaked.

Listen, please listen, your ability to have a secure financial future is at stake.  I’ve been heralding for months another major downturn in the market and I’m not the only one.  Here’s what Greg Roy with Wealth Insider Alliance had to say in a recent post (and he’s just one of many) -

“Our leaders bought some time and slowed the rate of economic deterioration.  That’s all. They didn’t solve any problems (other than the problem that Wall Street’s billion dollar bonuses took a dip – but that problem has been solved and Wall Street bonuses are again back at bubble levels.)  But now we are in a very, very precarious state.  Everything economic is starting to dip again.  We’ve got no Plan B to fall back on.  It’s going to get nasty.  Financial Armageddon is unfolding right before our very eyes.  This is real, folks. Another MAJOR downturn is barreling down on us.

If you do nothing, you’ll watch your retirement accounts get destroyed … again.

If you do nothing, you’ll watch your investments shrink to next to nothing … again.

If you do nothing, you’ll see your “safe” “rock-solid” investments … “Sure-thing” trading strategies …and decades of your life-savings – get WIPED OUT … again.”

My friends, it’s time to DO SOMETHING!  STOP PROCRASTINATING! There aren’t that many options open to you and they’re not that difficult to understand, if you’ll just take the time to DO IT!

for a detailed look at your options take a look at the PDF in the “Freebies” section above entitled  ”Three Investment Ships” Here’s an overview:

* Ship #1 – Leave it at risk in Investment accounts – Brokerage, stocks, variable annuities, bonds etc

* Ship #2 – Move it to cash – CD’s, Money Market, Fixed Annuities, some bonds (low interest)

* Ship #3 – Move to a Fixed INDEXED Annutiy – a hybrid of the other two ships.

Ship #3 provides these benefits:

* SAFETY: THE ONLY WAY YOUR ACCOUNT CAN GO DOWN IS IF YOU REACH IN AND PULL THE MONEY OUT!! YOU are in control.  NEVER LOSE ANOTHER DIME!

* INCOME FOR LIFE: Once you trigger the GUARANTEED income stream you’ll receive your payment every month till you die EVEN IF THE ACCOUNT BALANCE IS ZERO! It’s like setting up your own pension.

* LIQUIDITY: Even though you have income for life you still have access, use and control of the money in case of emergencies.  You DON’T tie up your money!

* INDEX EARNINGS: Interest earnings are tied to an index like the S&P, Dow, Nasdaq etc. but are NOT subject to any downside risk – NO LOSS IS GUARANTEED! So you can get market like returns.  Interest “locks” in every year in most cases so it can’t be taken away once you earn it.

* MINIMUM GUARANTEES: Along with a typical 1-2% minimum guarantee on the annuity, there’s a larger guarantee on the income account value that varies from 4-10%. At 7.2% you would double your asset every 10 years for income GUARANTEED! (Does your broker give you a minimum guarantee?)

* BONUSES: Some companies offer premium bonuses from 5-20% in initial premiums. This help make up for some losses, help with any transfer fees etc. It earns interest with the rest of you money from day one.

* DEATH BENEFIT: Death benefit to heirs is 100% of the balance of the accumulation value or in some cases the income account value.

* 100% liquidity for Long Term Care & Terminal Illness (in most cases)

Each company and product has different pros & cons, features and benefits but with hundreds of these products available, your sure to find something to meet your needs.  Let me tell you this, there’s a lot of BAD press about Annuities in general.  DON’T LISTEN TO THE HYPE – CHECK IT OUR FOR YOURSELF. You’ll come to learn what my clients have learned – that they’re the perfect solution to the retirement income problems facing you. My clients now have SLEEP INSURANCE and HAVE NEVER LOST ANOTHER DIME!

To see how these products might fit in your retirement plan I’ve got a new calculator that will analyze your current plan and show you how long the money will last and how much, if any, you would need to move into an FIA to solve the retirement income issue.  Just ask - It won’t cost you dime to get informed!

Safe savings
Roger

Related Investment Advice Articles

InvestorsGroup_RonSombilonGallery (12)


Image by Ron Sombilon Gallery
Olympic Celebration Party @ the Shangri La Hotel – hosted by Simon Wisniewski & Robert Bisbicis

photos by Ron Sombilon

www.InvestorsGroup.com
www.RonSombilonGallery.com

About Investors Group

Investors Group Vision Statement
Our vision is to be the best financial services company serving the long term needs of individual Canadians.

At Investors Group:

We relate to our diverse clients through comprehensive planning.
In all of our endeavours we are diligent in our efforts.
We respect each other and the communities we serve by being people who care.
Corporate profile
Investors Group Inc. is a Canadian leader in providing personal financial planning services, and is dedicated to building lasting client relationships. Our primary objective is to help Canadians plan for financial security by providing quality financial planning advice and products through a network of Consultants.

Investors Group offers financial planning, a unique family of mutual funds and a comprehensive range of other investment products and financial services, including Registered Retirement Savings Plans, Registered Retirement Income Funds, Deferred Profit Sharing Plans, life and disability insurance, Guaranteed Investment Certificates and mortgages.

Today, Investors Group serves over one million clients through our dedicated Consultant Network and staff team, working out of hundreds of Financial Planning Centres across Canada.

Investors Group Inc. is a member of the IGM Financial Inc. group of companies. The shares of IGM Financial Inc. are listed on The Toronto Stock Exchange. The stock exchange symbol is IGM.

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The Best Investment Advice I Ever Received / by Liz Claman (Hachette Audio, 2006) Unabridged selections on 3 compact discs. Read by Jason Singer and Staci Snell. ISBN 9781594836534

In The Best Investment Advice I Ever Received, CNBC anchor Liz Claman presents the advice of dozens of the most successful and most respected investors in America. Because she had years of experience interviewing them on camera and talking to them off camera, she was able to solicit essays from such people as Warren Buffet, Donald Trump, Suze Orman, John Bogle, and Steve Forbes.

As with all books of essays, some are better than others. The authors naturally draw on their own experience. Not all of their advice will be applicable to every reader, but certain overarching themes emerge:

Invest in management, that is, pay more attention to how well or badly a company is run than to how it’s stock is performing at the moment.
Diversify your investments to spread risk.
Think of the worst that could happen, and whether you could afford for it to happen, before you look at the best that could happen
Don’t follow the crowd.

Considering that the economy was flying high when this book first appeared and that is very weak now, the advice to take a contrarian viewpoint insures that this book will retain value no matter now much economic conditions have changed. There is always danger in the herd instinct and always opportunity in trying to see things differently than everyone else.

Other books may do a better job of explaining particular techniques or investments, but The Best Investment Advice I Ever Received excels at presenting the multiple viewpoints of individuals whose reputation comes from their conspicuous success. Investors can see both the variety of different approaches that have proven successful and the core principles that undergird the difference between success and failure of all of them. Both the seasoned investor and the rank beginner will find useful ideas here.

All-Purpose Guru Alert offers high-quality books like this every day. Stop by often.

by Ron Sombilon Gallery

Henrik Drusebjerg


Image by Nordea Bank
Henrik Drusebjerg, Senior Strategist, Nordea Bank AB

‘What should I invest in?’ This is the most pertinent question for most individuals striving to formulate a financial plan. Zillions of books and millions of web pages are not sufficient to answer this question. This is because investment advice is not universal and one size does not fit all. It changes as per the unique situation and specific requirements of every individual. Thus, it is essential to consult an investment expert personally to devise a customised financial plan.

For their investment and retirement plans, many people do not want an actively managed portfolio but would rather invest in the lower cost option of passive funds, which will just track the selected market index. There are currently two main options available for passive investment: tracker funds or ETFs.

Investment Advice: Understanding ETFs

Seek investment advice on ETFs to understand how they could form an important role in your portfolio. According toCNN financial experts, ETFs are “invented to combine the simplicity and low costs of index mutual funds with the flexibility of individual stocks”.

The main advantages of investing in ETFs are:

Ability to track a wide range of market indexes, like the FTSE, S&P 500 etc.
Diversified, global portfolio can be constructed relatively simply
Costs can be low, but smaller investors should keep an eye on total costs of investment
ETFs can be traded like shares

Why Investment Advice is Essential for Trading ETFs?

Investment advice from your financial advisor will help you build a well diversified portfolio that achieves your long term objectives. ETFs could form an important part of this portfolio as by buying a limited number of ETFs you could have a global, well diversified range of investments that track key market indices.

Investment Advice on Buying an ETF

Do consult with your financial advisor, as they will be able to recommend an approach that fits in with your retirement and investment goals. They will consider which range of ETFs will fit in with your overall portfolio of investments, so that it is well diversified, suitable for the level of risk you find acceptable. Your advisor will also consider the total cost of investment and the tax implications of your investments.

Here are some tips for choosing an ETF:

There are a large number of ETFs, across a broad range of markets available. Be clear about your objectives and do your research
Choose ETFs with proven performance records or those listed on broad market indexes.
Try to diversify your portfolio by investing in four or five ETFs. Diversification is a smart investment option, as it diffuses the amount of risk associated with a particular product.

Keeping it simple is the best strategy for smart ETF investments. Although ETFs are not very complicated products, it is prudent to consult with a Financial Advisor London. They help to blend ETFs with other investment products to create a comprehensive portfolio. You can also seek other financial services, such as inheritance tax advice, SIPP investment and retirement planning, from an expert financial advisor.

Related Investment Advice Articles

by OptionsHouse

Steve Claussen, Chief Investment Strategist at OptionsHouse


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OptionsHouse, LLC is an online stock and option broker delivering a fast, streamlined trading experience on its professional-grade trading platform, accessible at www.optionshouse.com/. A licensed FINRA broker-dealer, OptionsHouse was founded in 2005 and is a subsidiary of proprietary option-trading firm, PEAK6 Investments, L.P.

Options involve risk and are not suitable for all investors. In addition, electronic trading poses unique risk to investors. System response and access times may vary due to market conditions, system performance and other factors. OptionsHouse provides neither investment nor tax advice. Please read Characteristics and Risks of Standardized Options | Risk Statements and Disclosures | Privacy Policy, copies of which can also be obtained by contacting our Customer Service Department at customerservice@optionshouse.com. © 2006-9 OptionsHouse, LLC All rights reserved. Member of FINRA, SIPC.

You’ll need all the need that you can muster like other people when it comes to investing money. And, chances are you’re deluged with personal investment advice from just about all sides! Your friends, family, coworkers, and boss all have advice on where to put your money and on what stocks to buy or sell. The internet has a lot of services featuring this types of advice.

What is the difference of personal investment advice from other advices? It is not always necessary to ask for professional advice since it is enough to help you make decisions about your personal investment.

There is no easy way to answer this as investments will always be risky no matter what, and even professionals can give the wrong advice at times It is not reason enough to avoid the question of where you get advice for how to invest money.

When you hear some people said about a great investing source. it’s good to question its source. Your boss or friends may be knowledgeable and good at handling money, but it does not always mean they are also knowledgeable of money market accounts or bonds Do they know the difference between these things and how to predict which will do better over time?

Financial factors and investments are known in great detail by professionals. Being able to determine how investments will react to future market trends is a topic that professional are very well knowledgeable of They got this kind of personal investment advice from formal education rather than an shallow understanding of the market.

The most obvious reason why professional advice is chosen is because of its credentials, but it is not always an indication that the investment will be a success.

There are a lot of services online where you can ask them about how to investing, there are sites dedicated to nothing more than personal finance and investing and sites where you can subscribe so as to get regular and updated advice As with all other sources from which you might be told, it’s good to question the qualifications of those who run these sites as well.

If you are trying the find out the credibility of someone, it is worth remembering that an extensive education about banking and finances is not necessary to give a sound investing advice for you, You might also consider their years of experience and their results when it comes to choosing avenues of investment.

by Nordea Bank

Even with the stock market up near pre-September 2008 levels, sound stock market investing advice is never a waste of time. The Schannep Timing Indicator and TheDowTheory stock market investing advice newsletter always provide timely information, no matter what the markets are doing. A subscription to The Dow Theory Newsletter nets you stock market investing advice you won’t find anywhere else online.

Jack Schannep, the author of The Dow Theory Newsletter has had a long and illustrious career offering practical stock market investing advice. His military beginnings at West Point, his career as an aviator and academic instructor in the Air Force gave him the knowledge and discipline he brought to his second successful career as a stock broker with Dean Witter in Phoenix Arizona. His interest in stock market timing and the famous Dow theorist, Robert Rhea, motivated him to study the markets, and offer stock market investing advice based on specific timing factors, and the principles laid out in the original Dow Theory. Schannep’s stock market investing advice has a large and diverse following, and he keeps writing out newsletters, even well into his retirement.

The Schannep Timing Indicator stock market investing advice believes certain factors must exist in order for conditions to dictate a bull or bear market. Stock market investing advice will always tell the investor that trends must be recognized and investigated, rather than taking advantage of market highs and lows. Trend information is much more valuable stock market investing advice because it teaches the investor to ride out the bull and staying out of bear markets, rather than jumping in or jumping out too quickly. Schannep believes his time at Dean Witter – now Morgan Stanley – gave him the insight to offer stock market investing advice, because Dean Witter believed, “Timing – knowing when to buy and when to sell – is one of the most important factors in any investment decision.” Combining data made available in the late 1960s, with the original Dow theories dating back to the early 20th century, Schannep has been able to accurately forecast market activity, making his stock market investing advice some of the most valuable information available to investors.

Stock market investing advice comes at you from all different places. Today, you no longer get it from just The Wall Street Journal. Television, the Internet, and all sorts of alternative outlets offer stock market investing advice, but much of it is not accurate. When you take proven theories, and combine them with decades of experience, you get stock market investing advice that’s worth its weight in gold. A man like Jack Schannep does not have tricks up his sleeves; only hard work, knowledge, and in-depth study of prevailing market factors can create the kind of stock market investing advice that will work for all types of investors. You don’t have to be a financial industry insider to benefit from Schannep’s stock market investing advice; he makes it available to everyone, online.

To learn how to get your hands on Jack Schannep’s stock market investing advice, please visit Thedowtheory. Subscribe to Schannep’s newsletter, and learn how to make investing work for you, without any tricks or shortcuts.

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Investors are constantly in search of methods to multiply their earnings in addition to diversify their portfolios to aid eliminate the riskelement. The wine investment funds offersuch solution. The wine investment funds are formally managed investment funds which you can buywhich arenecessarily the very same as any of the other investment funds.

Reason you should investin wines

There are a good number of reasons you should invest in wine investment funds.The reasons are listed here:

o Profits deriving from the wine investments are free of tax, as the wine purchases are assumed to be wasting assets.

o While purchasing of winesmight be wasting assets, but at the same time they are improving assets too. With passing time, the fine wines turn you in more cash.

o Wine investments are havinga lot less ups and down volatility as compared to that of the stock market.

o Wine investments verily don’t rely or have anything to do withthe stock market. Irrespective of a stock market crash,the wine retains its value.

o The relationship between the supply and nature of demand always works in your favor. The highly hyped vintages and the labels are manufactured in finite number of batches and are never manufactured again ever making them a rare thing to have as collection. The availability diminishes further with time making them more desired, as some of those wines moves into people’s private collections or people drink them. Hence, demand goes on increasing as the supply continues decreasing, offering you with a plenty of profit to cash in.

o Finally, the wine investment funds do better than the stock funds and stocks in general and offers a lot bettergain on your money every passing year.

In addition, the amounts of fine wines which are worth investing are in fact limited. Of these limited availability, not all of the wines are assured to be the winners and has the prospect to fetch you good money. Other issues for the wine investor in regard to investing  wine is proper storing of the wine, the owner also needs insuring the wines against any kind of destruction or burglary case and more.

So, if you are planning to invest in wine make sure you have thought about all prospects of it beginning with the positive and also the negative ones.

Bill Gross has some investment advice for Harvard and Yale. He says they may need to reduce their investment in private equities and hedge funds. (Bloomberg News)

Property investment has become a boosting choice for people looking for greater freedom in how they spend their interim time or how they invest for the future. If you planning to purchase Investment Property there are many choices in the internet which give you access to the biggest selection. Auction property investments, Off Plan Property Investments, Distress Sale Properties, everything the property investor requires under one online property marketplace.

Recently, the media has reported that most areas in UK have listed rates shrinks, with property investments in Greater London taking the sharpest drop of all. These estimations may be sourcing some people in the UK to question if it is still in fact a perfect time property investments.

Stories of a property investment crash in the UK have been constantly in the news for quite some time now. But many property experts are of the certainty that the property market will remain solid. The reason behind this is that the deliver of property is inadequate to meet demands not to mention the fact the property is still affordable.

When the prices falls or when there is a decline in asking price, there is always a group of ready investors that are inclined to pick up bargains. These comprise of people such as first time investors, family movers, or property investors seeking property investment deals. The justification why there is a ready supply of investors is because there is a essentials under supply of property, as the current number of completed establishments is running below demand.

The intensifying demand for a deteriorating supply of property investment will produce prices to remain firm. Even though unsold properties have been reported to rise, the unsold stock levels are expected to remain below the long-term trend. Immanent migration has increases drastically due to the attraction of the UK as an excellent place to work and live in.

Additionally, there are also two suitable circles that make the decision in property investment is a sound one. Evidently, no issue which way the UK economy turns, property investment market is still expected to stand out, most especially over the long term. First, when the economies of the world enter another recession or denigration, then interest rates could come down, further decreasing property investors’ expenses, while retentive the rental revenue. Second, if the capital venture of property investment takes a fall, then people will terminate purchasing investment properties, and rent alternatively. The growth in rental demand wills then surprise in property investment income.

For any buyer who is purchasing property in UK, one should be sure to have all one’s funds organized before you start seeking for the ideal investment properties. Due to the circumstance, that the selling and purchasing procedure, once undergone, can progress extremely fast and should a property investor not have a mortgage agreed upon or should the investor in question not have enough money to hand the sale – it could result in the whole process falling through as a result of the continual fast-moving nature of the Dubai property market.

Many overseas investors feel that the “highly urbane sales process in UK which sees developers and investment property agents presenting potential customers with superior show homes to view and lovely brochures to peruse, the property buying process in UK is very sophisticated and transparent.” The good news for buyers seeking property investment in England is the fact that there are no property related taxes to speak off. Represented, this means that there is only a minimal additional outlay with purchasers having to cover lawyer’s fees he ongoing maintenance of the property as well as any shared areas or amenities. One of the most important necessities for purchasing investment property is having satisfactory down payment money, called equity, to complete the transaction. A very famous technique to increase these finances when you don’t have it yourself is by forming a group of people who pool enough capital to let you close the transaction. They get a section of the income and approval for their funds, you get the rest for finding, investigating, buying, and managing the property.

When you are planning to form groups of investors through the technique called syndication, you run into a condition where the law may need you take on a particular work to fully inform your co-investors of all aspects of the investment properties. This is one of the most important steps in the procedure of selecting the perfect investment properties for your investment requirements. A skilled investigation will prepare you for any obstacles that may arise during the course of your work on the home. Such issues that will affect the amount of money you should offer on the home, the amount of money you will require to invest in repairs and the amount of money you can anticipate once all is said and done.

Bargains are definitely a required step when it comes to finding investment properties with excellent capability as flipped investment properties. UK properties are frequently sold at bargain prices for a reason. Getting a broker that is willing to work with you for lower prices, bargain investment properties offer an excellent place to start.

UK property investment can provide an enormous sense of gratification that you simply cannot find with other forms of investment. UK Property investment is now enhancing a far more mainstream investment vehicle, available to investors with the knowledge and foresight to spot effective investments before the competition can. Yet while they linger comparatively open and accessible, the road to prosperous property investment and land investment is littered with those who have made a multitude of investment and other mistakes and paid the price.So, you can realize your dreams of UK property investment find the right investment opportunities and avoid the pitfalls along the way. By protecting up-to-date with the current news and articles featured on this website, you will gain the proficiencies necessary to make a profit from your investment. Buying cheap UK property from tormented sellers in the UK for investment objective is quickly becoming popular for many property investors. Experts in the property field unremittingly claim that an investor’s money is made when he buys cheap UK investment property. The reason is that when you buy such a property, you can turn it into an lucrative asset and therefore enjoy the profits it offers while benefiting from genuine built in equity from first day.The popularity investment in UK property to rent it out or turn it into a buy-to-let vehicle hinges on the issue that investors can earn a advanced returns with careful property selection and controlled borrowing. Estimations have showed that investing a property in UK has made 66,000 investors into millionaires, according to Midas Estates.For a time, few persons demand that now may not be such a good time to plan a UK property investment, many experienced investors know that now is an excellent point in the property cycle to pick up bargains. With the stabilizing of property prices in the UK, many people deem that the price adjustments present a good opportunity for property investors who are in for the long haul. A long-term approach to property investment is touted as an effective means of ensuring a more financially secure future because of the capital growth the property accrues over a long period of time. As property investors put it, the longer you’re in it, the higher your return.Finding cheap propertiesEvery year thousands of UK properties are sold at under market value. Many of UK property investment are released through property auctions regarded by many as one of the best ways to locate cheap properties. Now is particularly a good time to scour auctions with the market experiencing an evening out of prices which means you have a lot less competition. Often properties in auctions are sold cheaply because they require modernizations, renovation or development.To generate wealth through UK property investment, you must search property in areas where capital growth and a good cash flow are possible such as those areas where demand outstrips supply.

Investment in gold and in real estate both has their fair share of pros and cons. Following are some of the advantages and disadvantages of investing in gold and real estate.

Gold: Gold is best suited for a long time investment. The demand for gold has always been robust. The process of buying and selling with gold is quite quick. It offers near zero risk of value depreciation.

One can even invest in gold online, nowadays. Investors can now buy, sell and virtually trade in gold commodity just like any other stock or equities. This has been a driving factor for many to invest in gold because investing online reduces the risk of actually owning the metal.

Gold prices are generally not affected by the fluctuation in the currency. The gold price does not rely on potency of the currency. Also, the price of gold is not influenced by any kind of political instabilities or crisis.

However, gold doesn’t provide any immediate appreciable income. The value of the income has to be seen over the long term.

Real Estate: There are multiple ways of earnings in real estate. Investment in real estate can be long term and short term. It also ensures regular inflows by way of rentals. It can be used as collateral to secure a loan and to counterbalance taxable incomes. The profits earned from property resale are apparent.

But like any other investment option this too comes with a tag of risk. The real estate market is unpredictable and comes with no guarantee. Although a large number of investors have been successful and earned huge profits with real estate investing, there is no guarantee that it is going to be same for everyone. However, one can be and should be careful and aware. Take time to familiarize yourself with the real estate market, the market terminology and investment options and processes.

Investing is a crucial decision, it has money on stake. The risk factor is common. But knowledge, awareness and clarity of your own requirements are the keys to decide upon which investment to opt for. Both of the stated investments can offer lucrative returns. Choosing one of them as an investment option requires assessment of the money one can outlay and the objective of the investment. Understanding of the market is very important.

When trying to navigate the career world, inevitably you will come to a point where you will need some resume advice as you look at updating the work you have done.

Friends and the World Wide Web can be helpful in providing valuable resume advice if you need help. The resume can potentially be the key to your next job, and reads as both a chronological and experiential display of ones working life. If the idea of having to write and market your job skills seems daunting, following some basic resume advice may help you on your way.

Most people do not write generic resumes, but craft and tailor them towards the potential employer. A human resources manager will immediately see that you have taken no effort in fitting yourself into the job and expect them to do all the work.

One piece of resume advice is that you carefully read the job description and bring out your skills in your covering letter and resume. This may mean deleting some of the non-applicable jobs that you have had in the past (though check some of the skills you gained in them, as these may be important).

The way a resume is presenting is crucial to getting the attention of the organization. A haphazard or unclear resume that contains misspellings, broken lines and confusing categorization and chronology could almost certainly secure your failure. A clean, crisp, well-presented outlay of your job experience can prove to be an important piece of resume advice that may be able to help you through the door.

Of course, the content of your resume needs to be topical, relevant, and interesting for the employer, and you should take great pains in presenting your work to them. Firstly, it is recommended that you put your Personal Profile at the top of the page; this is a succinct summing up of all of your marketable traits that you have acquired over your working career.

Next, you should put your education history down. Of course this may be irrelevant to some employers, but for more career-focused jobs, this is critical and should be noted.

Then you are ready to state your job experience. If you follow the countless websites that advertise resume advice for people, you will always find that keeping your work history brief and to the point will be sufficient. You should put your most recent job first and work backwards. Normally, you should not need more than four jobs on your resume, but this will largely depend on your employer.

Following some resume advice before you sit down to pen your work history may be wise, as it can save you a significant amount of time trying to order your career experience and presenting yourself in the most appealing light.

Phil Fragasso explains the dramatic difference between investment advisors who are held to a fiduciary standard and brokers who are held to a suitability standard. See Phil’s Hard Working Money website and pick up his book, “Your Nest Egg Game Plan,” for more investing insights.