What You Need To Know About Investing – If you’re looking at losses in your investment portfolio and feel like you’ve been running headlong all this time, it might be worth going back to the beginning and figuring out (i) what your investment strategy is, then (ii) evaluate whether what you have been doing all this time has been aligned with that or if you have gone completely off-course.

Many times, I hear from readers who ask me how I invest, but when I turn around and ask them the same question, most of them get stumped without an answer.

What You Need To Know About Investing

What You Need To Know About Investing

If you find yourself nodding along with the above, you might just be in trouble. The price? Your own portfolio and your money.

Investing Basics That You Need To Know

There are different approaches to investing – each requiring a different set of skills – so it’s important that you know which method you’re adopting so you can go out and master the skills necessary to get the returns you’re looking for.

There’s also Index Investing, where you simply buy index funds and diversify across the market, often through low-cost ETFs (exchange-traded funds) or mutual funds. However, while this method is definitely appealing to those who prefer a hands-off, low-skill approach, the risk is that if the market goes down in a recession or simply moves aside for a long time, you will essentially losing money. .

On the other hand, wonderful companies not only exceed the market index, but they also continue to do even during times of recession!

Identifying your investment approach from day one can also save you money by not paying for too many courses (or resources) that simply don’t fit into your investment framework.

Basic Investing Terms You Need To Know

Typically, once someone decides they want to “invest”, they start looking for resources that can teach them how. After all, investing is a new skill (with its own language!), so just think back to when you learned how to ride a bike for the first time. You had to first learn about what a bicycle is, the different parts (here the pedals move, here the brakes stop, etc.), and then actually.

An income investor will need to look at things differently than a growth investor. If you do not even know what your basic investment strategy is, then you will waste a lot of time reading (or paying for courses) on everything and anything.

Most people tend to sign up for a course to shortcut their learning, but since many courses often cover only limited strategies, it’s no wonder many people complain that they’ve paid over $10,000 for courses and still don’t know enough. how to invest. for themselves.

What You Need To Know About Investing

Pssst, if you’re like me and prefer to get exposure to them all so you can decide which one is best for you, check out my 6-in-1 course on the Academy (here) that I created to solve this pain point . . Need a discount? Hit me on my socials and you might just get a good one 😉

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See which of the above approaches resonates most with you (it’s ok to have several!) and focus your energy and attention there.

As you can already guess (from my name) by now, Budget Babe favors a value investing approach.

I also invest in dividend and growth companies, but the difference is that I tend to buy them only when they are

To make things simple, I refer to it as value-growth investing which means finding wonderful companies that will continue to grow and buying them only when they are undervalued by Mr. Market.

What You Need To Know About Thematic Investing

When I started looking at DBS in 2015, its share price was unfortunately not undervalued then, so I simply waited. Then my window of opportunity appeared in 2016 during the oil crisis, where investors and analysts were worried about bad debt on DBS’s books as many oil companies folded. However, my own research and evaluation of the company led me to the conclusion that the stock was oversand, and the share price was now officially in the territory of underestimation because of all the fear, so I pounced and bought DBS in less than $ 14. A few days after my purchase, the news came out that the CEO of DBS, Piyush Gupta, also bought a whole piece of stock (shortly after me!).

Today, DBS is at $30 and I have both capital appreciation AND a regular stream of dividends – which was a 10% yield last year for me.

I have readers tell me that they are a value investor, but then the first thing they look at is how much the dividend yield on the stock is. No surprise then if you’re losing money, because you’re doing it all wrong.

What You Need To Know About Investing

Ask yourself – have the trades/stocks you’ve made in recent years reflect your main investment strategy?

Everything You Need To Know To Start Investing In Stocks

For example, you may identify yourself as a value investor, but did you aspire to YouTube during the pandemic and buy into Tesla after seeing almost every financial YouTuber talking about it?

The last step is the hardest, and it will be a never-ending learning journey as you learn more about yourself and your mistakes.

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The Most Important Factors For Real Estate Investing

So it seems that everyone around you is talking about SGS Bonds and T-bills lately. What are they, and you should follow the crowd who invested their savings …

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What You Need To Know About Investing

That’s why I think a Regular Savings Plan (RSP) will be one of the best moves you can make for your own financial future. What is the most important thing to look for in real estate? While location is always a key consideration, there are many other factors that help determine whether an investment is right for you. Here’s a look at some of the most important things to consider if you plan to invest in the real estate market.

What You Need To Know To Invest Sustainably

The adage “location, location, location” is still king and continues to be the most important factor for profitability in real estate investments. Proximity to amenities, green space, scenic views, and neighborhood status factors are important in residential valuations. Proximity to markets, warehouses, transportation hubs, highways, and tax-exempt areas play an important role in commercial property valuation.

A key when considering the location of the property is the mid-term view regarding how the area is expected to evolve over the investment period. For example, today’s peaceful open land behind a residential building could one day become a noisy manufacturing facility, reducing its value. Thoroughly review the ownership and intended use of the immediate area where you plan to invest.

One way to gather information about candidates in the vicinity of the property you are considering is to contact the City Hall or other public agency in charge of zoning and urban planning. This will give you access to long-term area planning and make a determination about how favorable or unfavorable your own plan for the property is.

Property valuations are important for financing during the purchase, listing price, investment analysis, insurance, and taxation—all of which depend on real estate appraisals.

Etfs For The Modern Investors: What You Need To Know

Given the low liquidity and high value of real estate investments, a lack of clarity about intentions can lead to unexpected results, including financial distress—especially if the investment is mortgaged.

Cash flow refers to how much money is left after expenses. Positive cash flow is the key to a good rate of return on an investment property.

Loans are convenient, but they can come at a high price. You commit your future income to get today’s utility at the cost of interest spread over several years. Make sure you understand how to handle loans of this nature and avoid high levels of debt or so-called over-end. Even real estate experts are challenged by over-leverage in times of negative market conditions and the lack of liquidity and high debt obligations can ruin real estate projects.

What You Need To Know About Investing

New construction usually offers attractive pricing, customization options, and modern amenities. Risks include delays, increased costs, and the unknown of a newly developed neighborhood.

All You Need To Know About Investing In Digital Gold Online

Here are some key things to look for when deciding between new construction or an existing property:

Managing physical property on a long-term horizon is not for everyone. Alternatives exist that allow you to invest in the real estate sector indirectly.

Your credit score affects your ability to qualify for a mortgage, and it affects the terms your lender offers. If you have a higher credit score, you can get better terms—which can add up to big savings over time.

Discrimination in mortgage lending is illegal. If you think you have been discriminated against

How Much You Should Invest—according To Experts


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