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Age Based Investing

Age Based Investing - Life changing Investment

18 - 30 | 31 - 40 | 41 - 50 | 51 and above


Key Age Based Investing 18 - 30 Student

Age Based Investing
18 - 30 Student

Age Based Investing is an investment program under which your investment fund automatically changes as you get older so that your exposure to the stock market is reduced as you age. For example, the Maximum Growth Investment Option is well suited for individuals under age 30.

Probably the biggest advantage of investing in age-based accounts it the convenience that comes with not having to worry about moving money around. If you are a "set it and forget it" kind of person, they may be the perfect thing for you. Many people prefer to know that an expert is making the decisions for them when it comes to financial choices.

It’s not about choosing ‘the right’ investment, it’s about choosing the investment that’s right for you.

The old rule of thumb used to be that you should subtract your age from 100 - and that's the percentage of your portfolio that you should keep in stocks.

Why you start Investing
in Student AGE 18 - 30

:- They help you Manage Risk

:- They take some of the work off your hands

:- They help you focus on the long term


Age Based Investing - 31 - 40 Young Adult

Age Based Investing
31 - 40 Young Adult

The next age group to consider is 30 to 40 years old. Many young adults in this category are starting their first job and considering marriage and a family. Thus, the goal of investing at this age should be to accumulate wealth for future prosperity. There are many options available and investors should be more aggressive in taking risks while they’re younger.

Investing options for the young adult include the individual retirement account as well as employer-based plans such as the 401k. These plans are designed to fund retirement years, although it may seem like a long time away. It’s important for young investors to look to the future and decide how much they can afford to contribute to their retirement accounts on a monthly basis (based on current earning power).

During this decade, the investor has the freedom to pursue more aggressive opportunities such as domestic equity funds, investments in international firms, or even buying real estate. These aggressive decisions are designed to build personal wealth.


Decisions in Your 40s and 50s

Investing Decisions in Your
40s and 50s

In general, people in their forties and fifties have much more earning power than earlier in life. It’s also a time when many families and children are maturing. The investor during these decades should seek wealth maximization and further plan for retirement, when a significant reduction in annual income is likely.

A solid investment strategy includes maximizing contributions to one or more retirement and investment accounts. A company-sponsored retirement program, along with a personal IRA, are great investment vehicles to utilize. Furthermore, an investor may also consider “playing” in the stock market, which allow for greater control and diversification of investment choices.

Despite the increased income and investment options, investors should be a bit more conservative as they grow older and wealth preservation becomes more of a priority. It is at this stage when investing in bonds and government-backed securities becomes popular. These vehicles offer solid returns while providing some safety and liquidity should the need for income arises.


Key Retirement Years 50+

Retirement Years

Once investors get serious about retiring and leaving the workforce, their goals and investing strategies will change. Wealth preservation becomes the key driver, and investors must understand the levels of income they will need each month to maintain a specific lifestyle.

The investor has spent decades saving their hard-earned money and hopefully watching it grow. Now it’s time to utilize these funds for living, healthcare, and recreational expenses as well as determining which assets may eventually be left to beneficiaries

Investing 101: What Is Investing?

It's actually pretty simple: investing means putting your money to work for you. Essentially, it's a different way to think about how to make money. Growing up, most of us were taught that you can earn an income only by getting a job and working. And that's exactly what most of us do. There's one big problem with this: if you want more money, you have to work more hours. However, there is a limit to how many hours a day we can work, not to mention the fact that having a bunch of money is no fun if we don't have the leisure time to enjoy it

There are many different ways you can go about making an investment. This includes putting money into stocks, bonds, mutual funds, or real estate (among many other things), or starting your own business. Sometimes people refer to these options as "investment vehicles," which is just another way of saying "a way to invest." Each of these vehicles has positives and negatives, which we'll discuss in a later section of this tutorial. The point is that it doesn't matter which method you choose for investing your money, the goal is always to put your money to work so it earns you an additional profit. Even though this is a simple idea, it's the most important concept for you to understand.
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How to Start Investing – Beginner’s Guide:

With gold and shares being the most sought after Investing arena for investors, how can a beginner invest in shares? Well here is a guide to get started in Stock Market investment. Do you want to know the "How" and "When" to invest? If so, you're in the right place.
When you went to school, you invested your time to get something in return, education.

History has shown that investing in stocks is one of the easiest and most profitable ways to build wealth over the long-term. With a handful of notable exceptions, almost every member of the Forbes 400 list got there because they own a large block of shares in a public or private corporation. Although your beginning may be humble, this guide to investing in stocks will explain what stocks are, how you can make money from them, and much more.

You probably know that investing in stocks is a way to get rich but very few new investors actually realize how you make money from your shares of stock. Now, you don't have to wonder any longer. Let us show you the two ways you can profit from owning and investing in stocks, and some of the factors that determine how fast a company grows. Read More

How Much Money will I need in Retirement?

Ah, the key question. One rule of thumb is that you'll need 70% of your pre-retirement yearly salary to live comfortably. That might be enough if you've paid off your mortgage and are in excellent health when you kiss the office good-bye. But if you plan to build your dream house, trot around the globe, or get that Ph.D. in philosophy you've always wanted, you may need 100% of your annual income - or more.

It's important to make realistic estimates about what kind of expenses you will have in retirement. Be honest about how you want to live in retirement and how much it will cost. These estimates are important when it comes time to figure out how much you need to save in order to comfortably afford your retirement. One way to begin estimating your retirement costs is to take a close look at your current expenses in various categories, and then estimate how they will change. For example, your mortgage might be paid off by then - and you won't have commuting costs. Then again, your health care costs are likely to rise

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Investing Guide - Mutual Funds Definition

Mutual funds are an investment that allows a group of investors to pool their money and hire a portfolio manager. The manager invests this money (the fund’s assets) in stocks, bonds or other investment securities (or a combination of stocks, bonds and securities).
The fund manager then continues to buy and sell stocks and securities according to the style dictated by the fund’s prospectus.KNOW MORE

Finding Good Stocks for Investing

Within each stock sector, the ultimate goal is to find the stocks that are showing the greatest price appreciation. In the same way that one would pay attention to sectors, multiple timeframes should also be examined to make sure the stock in question is moving well over time. There are two main things to keep an eye on when selecting stocks:

:- Liquidity - It isn’t smart to invest in a stock that has very little volume. What if quick liquidation is required? Selling it at a fair price will be extremely difficult if not impossible. Unless you are a seasoned trader, invest in stocks that trade at least a couple hundred thousand shares per day. Save yourself the headache.

:- Price - Trade in stocks that are at least $5. Don’t shy away from a stock just because of its high price. Don’t buy a stock just because of its low price.

Investing your money for the first time is a big step. In this guide, our experts will help you get off to the best start.

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How to Start Saving for Retirement
Saving Is Not Optional

Hopefully anyone who is reading this column is already on board with the idea that saving money is not an optional exercise. Nobody knows what Social Security will look like in a decade or more, nor how those benefits will compare to the actual cost of living - simply consider the debate today over using chained CPI and what that could mean to the value of future benefits.

It's also important to note that the government (and many businesses) offers incentives to save, and there's no way to get these back if you don't take advantage of them. If you set aside money into an appropriate retirement account (like an IRA or 401(k)), you not only get a lower tax bill in that year, but the money you save can build up tax-free for decades. Likewise, many companies will kick in extra money if you save for retirement - this is free money from your employer that you won't get otherwise, so do what you can to maximize this. After all, if you don't take advantage of this you're basically handing money back to your boss.

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How Much Money Do I need to Invest for Retirement

That depends on a whole bunch of things, like when you start investing, what you decide to invest in, and when you decide to retire.

But as a general rule, financial planners advise that every year you should invest the maximum possible in any tax-advantaged retirement plan that you're eligible for. And if you're getting started with retirement investing on the late side, you may need to invest additional money, over and beyond the money in such plans, into regular (taxable) investment accounts.


How to Get Started Investing With Just One Mutual Fund

You may have heard the wise saying, "Don't put all of your eggs in one basket." This is good advice about something called diversification but investing does require money and beginners don't always have enough money to cover the initial investment minimum (often $1,000 or higher) for more than one fund.

Fortunately, and as you already know from reading this article, mutual funds are like baskets that hold dozens or hundreds of other investment types and you need to find a fund or group of funds that is appropriate for your goals and risk tolerance. However, you can find mutual funds that meet all of this criteria in just one fund; they are diversified portfolios in themselves.

Examples include balanced funds and target-date funds, both of which can invest in a wide range of stocks and bonds, all within just one fund. For this reason, these fund types can be best for beginners.


Investing Money in Stocks for Retirement

So you've decided to invest in the stock market. Congratulations! In his 2005 book "The Future for Investors," Jeremy Siegel showed that, in the long run, investing in stocks has handily outperformed investing in bonds, Treasury bills, gold or cash. In the short term, one or another asset may outperform stocks, but overall stocks have historically been the winning path.

But there are so many ways to invest in stocks. Individual stocks, mutual funds, index funds, ETFs, domestic, foreign - how can you decide what is right for you? This article will address several issues that you, as a new (or not-so-new) investor, might want to consider so that you can rest more easily while letting your money grow.



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- How to get started with Investing without depending on anyone else!

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