Archive for November, 2009

A bad economy spells OPPORTUNITY if you know how to invest in mutual funds. If you don’t it likely means loss of income and investment losses in your 401k and anyplace else you have money invested.

In any investment environment, even in recession and financial crisis, there are mutual funds that are good investments. Most folks don’t know this. Most mutual fund investors hold stock funds and pay little attention to them. Then, when bad economic times roll around, they complain because they are losing money. Continue reading ‘What a Bad Economy Means to You’ »

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In the wake of the financial crisis and the resulting recession, many companies have been reducing or suspending contributions to their 401k Plan. Many people don’t realize that many 401k plans, are forced to make a matching contribution. Even if the company says it has stopped matching, it may be forced to make a match.

The question that most people have is, “Should I Continue To Make Contributions If My Company Is Not Matching My 401k?” The answer is, definitely yes if your 401k is considered top heavy. Continue reading ‘Companies Cut Back on 401k Match – What To Do If Your Company Stops Matching Your 401k’ »

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We all know what is bank fixed deposit. In this article I will present an introduction to FMP or Fixed Income Plan, comparison between FMP and Bank Fixed Deposit and when an investor should invest in FMP.

What is FMP or Fixed Income Plans?

FMPs are closed ended mutual fund scheme with a maturity period ranging from a few days to five years. Most of the FMP plans are debt oriented. But a few scheme may have a small equity component. At the end of the period, the scheme matures, just like a fixed deposit in a bank. FMP schemes have two options. With growth option or with dividend options. Continue reading ‘FMP Vs Bank Fixed Deposit – Which One is Better For Investors?’ »

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If you think that you could set aside and postpone any kind of savings for your retirement as you do not intend to retire until several decades far from today, you are sadly mistaken. The earlier you save the better it is for you. Young people in their 20’s have the best advantage on their side – time.

Time is the best asset you can have when it comes to saving and investing for your retirement. The magic of being able to successfully accumulate your retirement fund is the power of compounding. This is the power of your money to grow and to keep on growing when you continue to add to it on a regular basis. Continue reading ‘Retirement Calculators – How Much is Enough?’ »

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One of the easiest trades for a beginner options trader is the Covered Call (sometimes called a buy-write transaction). Trading a Covered Call takes the lowest level of authorization (level 1) and is easy to obtain from your brokerage house.

What is a Covered Call?

In it simplest terms, it is where you own some stock and sell an option to someone else to buy that stock at a specified strike price to generate some income. Continue reading ‘Online Options Trading – The Intricacies of a Covered Call’ »

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