Media13.com is a source of free to republish or reprint articles, writers may submit your articles in our database as long so you agree that your article will be freely republish or reprint by other.

Submit Article

Search our database

Received article from us.

Name

Email Address

Friends

Bollywood News
Link building
Article submission service
Freelance Writers
Laser hair removal

We have been looking for freelance writers. Contact us

How to Choose an Investment by Larry Westfall

When you choose to invest your money, the final decision is yours alone. The risk of the investment is also yours.

Before you invest, consider your complete financial situation, looking at both your current and future needs. In general, investors should avoid higher-risk investments unless they have a steady income, adequate insurance, and readily available cash reserves in case of a loss.

Remember these investment basics:

Rule one:
No matter how you choose to invest your money there will always be a degree of risk involved.

Rule two:
Risk and return go hand-in-hand. Higher returns mean greater risk, while lower returns promise greater safety.

Rule three:
Do not invest in anything you do not fully understand.

Setting your Investment Goals
Ask yourself, “What do I want to accomplish through my investments?” For most investors, the following investment goals or objectives, or some combination of these, provide an initial answer to that question:

Safety
This objective reflects a conservative investment philosophy with minimal risk of loss of the original investment (the “principal”).

Income
An “income” objective is achieved by purchasing investments that provide a stream of income through regular payments, which may or may not decrease the invested principal.

Growth
This category refers to investing for long-term growth or appreciation in market value. Growth investments carry a higher risk than either safety or income oriented investments. Growth investments generally provide little or no dividend income.

Speculation
Speculative investments carry a higher-than-average possibility of loss. This strategy often includes short-term trading of new or unproven companies’ stocks or options. Although there is the possibility of higher and faster rewards, speculative investments also are high risk, meaning there is also the possibility of larger and faster losses of some, or your entire principal.

Balancing “Risk” and “Return” to meet your goals
As an investor, you choose your investment goals with an emphasis on one or more of the above categories. You may also wish to allocate portions of your investment portfolio to more accurately express your investment goals.

For example, if you have $10,000 to invest, you may choose to invest 70 percent ($7,000) in income securities, 20 percent ($2,000) in growth securities, and 10 percent ($1,000) in speculative securities.

Of course, setting a goal and reaching it are two very different things. You may need professional assistance to realize your investment goals and to achieve your financial objectives. If you choose to work with a broker, communicate your investment goals and financial objectives clearly. Put it in writing and keep a copy for your own records.

Remember, the more money you want to make from your investment, the more risk you must be willing to take. Risk means that you may lose all or part of your principal. If a high level of risk makes you uncomfortable, select your investments accordingly.

Get More Information
There are many sources of information about a company in which you are interested in investing. In most cases, securities must be registered with the securities section in each state where they are sold. Information about the company may be available to the public. You should also ask your brokerage firm or investment adviser to assist you in gathering information about the company in which you may invest.

Most public companies are required to file “full disclosure” reports on a regular basis with the Securities and Exchange Commission (SEC). These comprehensive reports are available free online at http://www.sec.gov/edgar.shtml or for a modest copying charge by writing to:

Public Reference Room, Mail Stop 1-2
Securities and Exchange Commission
450 Fifth Street, NW
Washington, DC 20549-1002

Pay close attention to business and financial newspapers in your area. Often, these periodicals provide in-depth coverage about a specific company or segment of the industry. Check with your local reference librarian for assistance in identifying appropriate investment related materials.

Things To Consider
U.S. Treasury Bills (“T-bills”) are the benchmark of minimal-risk investments. If an investment is presented as a very low risk, it should produce a rate of return similar to the rates paid on T-bills. If anyone guarantees your investment against loss, you should immediately contact your state’s Securities Enforcement Branch.

Additional considerations
* Always set aside some of your money for emergencies before you invest.
* Ask for advice from a trained and licensed professional.
* Be selective in your investment choices. Exercise your right to say
“No.”
* Develop a sensible investment plan and follow it.
* Judge each company on its own merits. Do not invest on a company just because it is part of a fast growing and successful industry.
* Never invest based on information obtained from an unsolicited telephone call.
* Check the credentials of anyone you do not know who offers to sell you an investment.

Author Info:

Larry Westfall is the owner of DIY Investing - http://www.pennystockebook.com

Latest 20 articles

Hire the California Labor Board or California Labor Law Attorneys - You Decide With a downturn in the economy, many employers are cutting back on payroll. Unfortunately, some employers are reducing payroll costs by violating the California overtime laws. When this occurs, employees have essentially two options to recover their California overtime pay: the California labor board, or hiring California labor law attorneys. Although the California Labor Board is a commonly

Hiring a Car At Bangalore - Is More of Necessity Than A Luxury Your sedan is probably the best materialistic thing that you own and while going to a new place, that is what you ought to miss the most but if you are going to Bangalore then you probably have a option of getting a replacement so that you don’t miss it all that most because it will be as comfortable and as obedient as your own car and the Bangalor

How to Choose a Car Rental Company in Bangalore Bangalore is a place that lists one of the best as far as infrastructure is considered in India as it is the IT hub of India and thus the roads to drive is atmost pleasure and thus if Bangalore is the destination that you are planning for next then the best way to move around is by hiring a car. To hire is car is very simple if it is in Bangalore because there are some very good car rental compani

Car Rental Companies in Bangalore If you are travelling to Bangalore and hiring a car is what worrying you then you can be relaxed because this is one service that you will easily get in Bangalore and that too at very affordable and economic prices. Basically there are really good car rental companies in Bangalore available for renting the cars and you can either book in advance or go there and hire a car for yourself. Also, you h

Tips to Hire a Car in Bangalore One thing that most of us agree is that the fact that the most comfortable way to move around at any place is by your own vehicle but what if you are going to a new place, it is not possible to carry your vehicle along with you and you actually cannot trust too much on the public transportation system and at such situation the best possible option is to hire a car for yourself, at some places it c

Hire a Car: Comfortable Way to explore Bangalore If you are out to a new place than the first thing that comes into your mind is a comfortable accommodation and then the second one on the priority list is a comfortable way to move around in the city and if Bangalore is your preferred location, than you’ll be having options for both of the facilities, but if we specifically speak about the second one that is moving comfortably than the best opti

Car Rental – A convenient mode of transport in Bangalore Bangalore, a place which probably is considered one of the best places in India as far as infrastructure is considered and reasons are many for that, one is because of the IT hub that it is and also because it is one of very good places if you are considering holidays and because of this very good facility provided for the people visiting Bangalore is that you have many options in case if you are

Rent a Car in Bangalore: Take the Right Decision In today’s world, time is money; the more you save it better it is for you. And in that case if you are going to another place where you are not too familiar with the surroundings, then instead of wasting time on travelling by locating and travelling by public transport is to hire a vehicle for yourself. This helps in many ways, one it saves on time and also it moves at your pace so you don’t have

Bangalore Car Rental: Save Your Time When you are at an unknown place or for that matter known place and time is your major factor of concern then, the best way to save on time is by having your own vehicle for conveyance. This gives you freedom to move at your own pace and wish. And for that matter if you are at a place like Bangalore where the roads are so beautiful that it is a sheer pleasure to travel through your own rented vehi

Best Package Tours to Kerala Kerala – God’s own country which means heaven for those who appreciate the real untouched, naïve beauty of nature and if you are one of those than consider Kerala as the option for you next holiday. Kerala gives an option to explore the nature to the fullest because it has all the places where you can explore the nature be it scenic beaches or the hill stations or the ethnic culture, just everythi

Kerala Tour: A Getaway from Regular Stress If you are tired of daily stress and meetings and looking for a getaway so that you snatch some time for yourself with your loved one’s than Kerala holidays is the perfect is the perfect thing for you. Its calmness and closeness to nature would give you that much needed peace of mind that you always wanted. Also along with enjoying the beauty of this scenic place on your holidays to Kerala you can

Kerala Tour Packages: Have A Look If holidays are on your mind, then Kerala is one option that you cannot choose to neglect. Because Kerala is one place that offers you all from calm and serene natural places to exciting sports to exotic beaches and also beautiful hill stations, everything provided at one place which is also known as god’s own country. And obviously such wide range of activities would make it a tough job to cover

Kerala Holidays: Places To Visit Kerala also known as God’s own country, the name itself is synonymous with heavenly experience and to see this heavenly place all you have to do is pack your bags and head straight away to Kerala. Kerala is a place of multiple opportunities of which you can select the ones that interest you the most and design your own package for your Kerala tour. You can come to Kerala for various reasons and th

An Overview to Kerala Tourism Life’s a journey and to keep moving there are occasional breaks that you need to take and if you are looking for one of those breaks than Kerala holidays is one place that is your answer. Be it a family vacation or honeymoon tour or just a getaway with friends, this is one place that provides with ample opportunities for every kind of vacation. In fact there is so much to do and see that you will

Kerala : Popular Travel Destinations Kerala holidays is one thing that you should treat yourself and your family at least once and once you go to Kerala, you’ll have that craving to go back again and again, such is the charm of god’s own country that is Kerala. To give you a glimpse of what all Kerala have to offer to its visitors, let’s start with the most famous tourist hot spot i.e. Munnar, a place which is famous for its tree and

Kerala : Welcome To GOD’S Own Country If serene and calm beauty of nature is what’s on your mind then, Kerala is just the place you are looking for. It is so pristine and pure that it is called God’s own country. Greenery spread everywhere till your eyes can see; picturesque views, fog in the morning etc. are some of the first things you will notice when you step in Kerala. Kerala Tou

A California Labor Law Attorney: Just What You Need in Times of Trouble! In a time where California labor law is constantly changing and employers are playing it “fast and loose” in order to make ends meet, a California labor law attorney may be just what the doctor ordered to explain the complex California overtime laws. With a weakening economy, and jobs being shipped overseas, it is not uncommon to see rampant abuse of the California overtime laws. Employers r

Tax Debt Help Needed - How Can I Stop an IRS Bank Levy? The IRS does give you ample warning that they intend to levy your bank account. You undoubtedly received the notice and demand for payment from the IRS which included the amount you owed in back taxes. You probably did not contact the IRS at that time, and that was very important. The next communication you received was called the “Final Notice” which did express their Intent to Levy and also inc

California Labor Laws: Asserting Your Employee Rights Many employees when experiencing a labor violation are confused as to where to turn and typically take one of four paths. 1. A very common path and usually the most treacherous, is doing nothing at all. When an employee is hesitant to hire California overtime lawyers or California labor law attorneys to handle a situation, it usually gets worse before it gets better. Complacency will typicall

California Overtime Laws: Top 4 Common Employer Mistakes A California labor law attorney has revealed the four most common mistakes that employers make in violation of California overtime laws. Although California labor laws for breaks and lunches are clear, nevertheless employers tend to overlook something as simple as giving their employees a meal or rest break. While this is only one of our top three violations, it is often the most overlooked.