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Investing Know-How articles address many issues related to investing. These include investing techniques for both equity and income investments. How to allocate and diversify your investment to achieve the both the type if earnings (income or growth) and protection from market hazards. Learn the basics of investment here by following our articles here.

INVESTING KNOW-HOW ARTICLES BELOW

If You Can Save during Retirement, Put It Where It Will Count
In economic downturns everyone tends to tighten their budgets, and that includes retirees. In fact you may find you’re actually saving money in retirement after paying your regular expenses. So where should you put this ‘extra’ savings as a retiree?...read more

Use Solid Equity Investments to Offset Inflation
Offsetting inflation’s effect on your portfolio requires you to seek higher returns than conservative income investments can offer. That means moving your money into equities and that often means assuming more risk. Here’s why…read more

Make Your Investments Consistent With Your Risk Tolerance
A retiree necessarily has a different approach to investing than a young person. Each is in different financial circumstance. They’ve got different goals, prospects, and, most importantly, different time lines to achieve what they want. These differences support different risk tolerances for each – and therefore different investment choices for each...read more

The Dollar-to- Euro Exchange Rate Gives You an Opportunity for Profit or Protection 
The dollar has been on a roller coaster ride relative to the euro since 2007. Maybe you can make use of it for your portfolio for either profit or protection. Predicting the exchange rate fluctuations of the dollar-to-euro may not be so difficult. Here’s what’s been happening…read more 

Retirees Can Do an All-Bond Portfolio for Income and Portfolio Preservation
Are you of modest means and worry about how to invest your money in these tough times? If you really can't afford to risk any of your money to market downturns, then perhaps you should try an all-bond portfolio...read more

Allocate for Purpose then Diversify to an Acceptable Risk
Everyone needs an investment approach that serves his situation. Your situation determines both the purpose and associated risk your choice of investments must achieve. This article provides an understanding about how to choose investment types for your situation...read more

An Ultra-Short Bond Fund Can Give You the High Income You Need
You may be getting your earnings income from CDs or money market funds but you’re still looking for even higher interest earnings. If so, try an Ultra-Short Bond (USB) fund for higher interest rates but at a somewhat greater risk. A USB fund invests only in fixed-income instruments with very short-term maturities – about 1 year. It seeks higher yields than money market funds but with less price fluctuations than a typical short-term (1-3 years) bond fund...read more

Retirees Should Consider Investing More in Real estate
If you’re starting your retirement, consider your portfolio allocation strategy – i.e. how to split your money among different asset categories. You’ll want investment income to cover living expenses but you’ll also need long term investments to maintain your portfolio’s value against inflation damage.  Here’s why real estate investments can deliver both of these...read more

Get More Income and Tax Breaks from Your Other Home

If you’re looking for more income, why not let your other home help you out? You may have been using it just for yourself, but now you need more income. If you turn it into an investment property you’ll not only bring in some income but increase your tax breaks for holding it...read more

How to Accomplish Complete Diversification with Mutual Funds
Diversifying your portfolio reduces the risk that the demise of any one company, investment area or market will rob much of your portfolio’s value. But how do you approach diversification especially if you have a limited amount of money. Here’s an approach using mutual funds...read more

Investment Duration Is Essential for Investment Return Statistics to Work
At retirement you have some 20 years or more to invest for income and growth. But what can you expect for returns to counter inflation and market variations?  Let’s look as what investment history has shown us...read more

Hedge Funds Are Risky for a Reason
Hedge funds pool investors' money to invest those funds in financial instruments to make a significant positive return in all kinds of markets. This isn’t easy, but hedge fund managers use a wide set of investment practices that may increase the risk of investment loss. read more

Exchange Traded Funds (ETFs) Offer Flexible Investment Approaches
Exchange Traded Funds (ETFs) offer low expense ratios and high trading flexibility. That makes them attractive alternatives to traditional mutual funds. And they can serve as part of both long-term and short-term investment strategy. Here’s the scoop…read more

What Bond Types Should You Buy for Income?
Investment income generally comes from debt (or loan) instruments – like bonds. Before deciding on what type of debt instrument you’ll use for your retirement income, you should know their characteristics. Here’s a quick overview (the table summaries key investment characteristics)...read more

How Can Retirees Benefit from a Weakening Dollar
Since June 2010, the dollar has been weakening with respect to the euro. The euro is the currency of countries in the European Union and because of that it, carries a good deal of weight in global economics. In June 2010 alone, one euro started out costing $1.26 and has more or less risen to $1.46 as of April 2011. What does this mean to retirees and travelers - and how can they benefit? read more

Diversifying and Laddering Are Two Ways to Protect Your Retirement Income
Assuring yourself a steady yearly income is important during your retirement. Your pension and social security income do just that. But if you also want to smooth out the income fluctuations that your investments produce, you can do so using two strategies – diversifying and laddering your investments...read more

Laddering Helps You Maximize Your Interest-based Income over Time
Retirees who have to live off their interest-based income investments are often a victim of interest rate swings that can lower their income significantly. Chasing after high interest rates without a strategy can often leave them with less income than they could get with a laddering strategy. Here’s the situation…read more

Rebalance Your Portfolio to Keep It Consistent with Your Goals
Retirement is a new stage of life. It calls for different income, expenses, risk considerations, and needs.  Along with determining your pension and social security incomes, you’ll need to allocate your investments to best achieve your needs for the short, medium and long term...read more

Know Your Investment Horizon When You Retire
New retirees often think they have about 10 years left. So they plan accordingly. But they misperceive their remaining life expectancy...read more

Allocate to Achieve a Goal and Rebalance to Maintain It
Entering retirement is a good time to strategize on how best to allocate your resources to achieve your goals. Maintaining your strategy will keep you on track. Let’s review the basics....read more

Diversify Your Assets among Different Asset Types to Preserve Your Portfolio Value
Allocating our wealth among different asset categories helps maintain its value in the face of downturns. A variety of asset types make up all investments such as Equities, Debt, Real Estate, Gold and Cash. See how to diversify among them and why...read more

Diversify Your Holding – Choose from the Pooled Investments
When you invest you should choose a mix of the 3 asset category types: stocks, bonds, and cash. The younger you are you should weight most of you portfolio to stocks for their growth potential...read more

Holding Time Makes Tax-advantaged Retirement Accounts Much Better Than Regular Taxable Accounts
Because of the income tax rates imposed on withdrawals from government-regulated retirement savings plans – like IRAs - you may think that they’re not all that much better than using regular taxable accounts. Below I’ll show how your IRA-type account can eventually put a lot more in your pocket...read more

Earnings Are As Important As Contributions to Your Retirement Savings
Just contributing to your retirement savings is not enough. You’ve got to make them earn decent returns so their compounding effects significantly add to what you eventually accumulate... read more

Real Estate Can Give You High Growth Rates at Low Risk
Buying residential housing offers the best investment for relatively little risk if done conservatively. Whether you buy home or a house to rent, tax laws, leverage, and demand help you to acquire...read more

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