Thread: A welcome initiative by LynnRE

Post Something like win or lose on field your gaining for.we need some testimonial dudes.

Originally Posted by LynnRE

Nice dodge of my question. Interesting stuff to read though. Problem is most who could use the info would not have anything left to invest after purchasing the newsletter. Those that could, don't need it as they already know about these companies. If you read the financial papers, you can find them yourself, and save almost a grand. They really aren't that hard to find. They gave you a road map to find them. Nice of them to do so.

Absolutely aaaand, True is TRUE with that and what is also interesting too, that your guide those who see credence & appreciating it someday for their actions leading to a good and wise decision taken... by safer, proportionate investing with funds where one can safely afford to start on. Good job Lynn.

Originally Posted by naruts

Post Something like win or lose on field your gaining for.we need some testimonial dudes.

yup it will help determine what kind of investment is it.People can know the truth .Is it worth and people be happy about if it is good

Hopefully this will answer naruts and bozo's comments. While I can understand your wanting quotes of returns on an investment, it would be impossible for me to do so. That is what financial newspapers are for, online financial news services, as well as television services provide you. Besides, that is your job not mine to do. I can help you understand the do's and don'ts of investing, but I cannot invest for you.

I am not a licensed broker, thus I cannot give you any specific investment advice, only generalities. My purpose was to show you ways of how you can start with a little amount of money, and over time make it become a significant amount of money. I can explain how different inverstments work, but I cannot recommend any investment. I can only share with you what type of investments might work, or ones I use. By no means is that saying you should do the same. All of us have different risks we are willing to assume, different investment philosophies, and in investments one size doesn't fit all. Only you can, after you have examined all the facts, determine what works best for you.

My purpose was to help you with the nuts and bolts of investing, not be a rate quoting service. I hope you understand why it is impossible for me to provide you rate quotes. What I can do is provide you with certain type of investments for you to consider, and then you look the rate of return up for yourself.

Thank dude nice answer.looking forward to..

One thing I failed to mention in my earlier post regarding giving quotes of rates. Every country has different rules and types of investments available to their citizens. One case in point would be what is called municipal bonds in the United States. These bonds are not taxable, meaning all interest earned is not reduced by taxes. If you are in a 50% tax bracket, this can be significant for your total return. For example, a municipal bond paying 10% tax free is actually the same as a 20% taxable return if you are in a 50% tax bracket. Also since tax rates vary from country to country, there is no way I could provide you accurate rate quotes. Thanks for your kind words naruts.

I thhnk that was a good deal to do so and ecer for an person. Anyway congrates buddy for winning the deal. I wish you to have sucedd in thsi deal and make more deals in future.

I had mentioned that you have mutual fund "families" (meaning a firm will have numerous funds for an investor to choose from), and you can trade within each family of funds without incurring additonal sales charges. To illustrate this, I am going to list an organization and the list of funds they offer. This is for illustration purposes only, and I am not recommending anyone invest in them:

SEI Institutional Managemed Trust contains these funds: Large Cap Value Fund; Large Cap Growth Fund; Tax-Managed Large Cap Fund; Large Cap Diversified Alpha Fund; S&P 500 Index Fund; Small Cap Value Fund; Small Cap Growth Fund; Tax-Managed Small Cap Fund; Small/Mid Cap Diversified Alpha Fund; Mid-Cap Fund; U.S. Managed Volatility Fund; Global Managed Volatility Fund; Tax-Managed Volatility Fund; Real Estate Fund; Enhanced Income Fund; Core Fixed Income Fund; High Yield Bond Fund; and Real Return Plus Fund.

Now these funds run from the low risk to the high risk investments, and they are all contained within SEI. It is never a good idea to use just one company's portfolio of funds. As you can see, they offer a wide variety of funds from which to choose from. You must always compare one company's fund against a like fund in another company's portfolio. What you can do is move funds within this family of funds when you see another one of their funds outperforming your fund. Since it is within the same family of funds, it is done easily and quickly.

For a further comparison, you can check all the funds within the Putnam Family of funds, American Family of Funds, Fidelity Family of funds, etc.. This is easily done by using Morningstar's ratings of each type of funds, and you can do this free online at their website. Morningstar is one of the most accurate rating firms in the marketplace today.

Hope this information was of help to all of you.

Here are some more ideas on how you can begin to accumulate enough money to start your investment portfolio:

Have a garage sale, and sell anything you no longer use. You will be amazed at just how many things you can sell. Take the money and put in your money market account or savings account until it grows enough to invest it in a Certificate of Deposit.

Another way is to decide you will take your lunch to work instead of buying it every day. You can also do the same thing with your choice of beverage. Take your savings each week and put it in your savings account or money market account. It adds up really fast.

Also think of other things if you gave up for a period of time would add to your amount you could put in your savings account. One of my friends gave up snacks at break time for a year. He almost fainted when he saw just how much he had been spending on snacks, and didn't even realize it. After all it wasn't a huge sum of money (meaning more than $10,000), but over a year he saved over $1,000. Not kidding.

Another way is to offer to do odd jobs for friends, family, etc., or get a second job and put those earnings in your savings account.

I am sure that I may have triggered other ideas for you to consider doing so you can grow your savings and future investments. Little things add up to big things over time. Just an extra $100 a month into a savings account done consistently over 5 years will astound you, and that is you only put it in savings. The idea is to keep moving your money into consistently higher returns as your dollars accumulate to allow you to do so. Go from savings to money market to a short term Certificate of Deposit, and before you know it you will have a portfolio beginning to earn from a variety of sources. In short, you want your money to work as hard for you, as you worked to earn the money.

Hope this helped.

I had mentioned in my first post about forming an investment club as a means to investing to reach your investment goals. I failed to mention, that you can set a time period in which the club will function. Once the club members have reached their stated goals for their individual amount of money they wanted to accumulate to invest, you can disband the club and then invest this money into whatever programs you want. This way you use the club to reach your personal objective, so then you can invest solely on your own thereafter.

The beautiful thing about the club is this. Every member of the club has agreed to the amount of money they want to invest, you have determined the type of investments the club will invest in; and once you reach your stated objectives you can close the club. However, I would recommend you do not do that. I would pull 90% of the club's money and each invest according to your own needs, but keep the club going. Continue to put your money into this club on a monthly basis. Keep the investments growing, and then when you reach 90% again, pull it out and add this to your investment portfolio. After the third or fourth time doing this, then you might consider disbanding the club.

I say this for several reasons. It keeps you in the habit of setting aside money each month to invest for your future. It allows you to take a little more risk with your individual portfolio (after pulling out your goal funds initially), compared to the more conservative investments in your portfolio as part of the club. You have more diversification with doing both, and most of all if you should have a position run away from you in your personal portfolio, you have a backup means to recover that loss.

Hope I didn't confuse anyone. If so, let me know and I'll try to explain it better. Good luck.