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Published : 08.06.2015 | Author : admin | Categories : Football Predictions 2016
NEW YORK ( TheStreet) -- Learning how to invest your money is one of the most important lessons in life.
Over decades of hard work, I would like to make more money than I spend and invest the difference. The most common investments are stocks and bonds, which most financial advisers agree should be held in some proportion based upon your personal circumstances. It should go without saying that if you can't make the minimum payments on your debts, you should not be investing at all. If you have interest payments that are higher than 10%, you are almost certainly better off paying down debt than investing. This only makes sense if your debts aren't costing you much, in other words, if the interest rate that you're paying is low.
Benjamin Graham -- Warren Buffett's teacher -- once suggested that investors should hold no more than 75% of their investment money in a single asset class (he was referring to stocks vs.
If you treat your low-interest debt like a bond, then, at minimum, you'd use 25% of your extra income to pay this debt off -- the remainder could be invested in stocks. The two investing strategies below assume that you have a very long investment horizon -- in other words, you plan on working for the next few decades. If you spent 2006-2007 using your leftover paycheck to buy stocks on a monthly basis, then lost your job (and paycheck) during the financial crisis of 2008-2009, you didn't have the money to buy stocks at their cheapest prices in decades. As a practical example, if you invested $6,000 in Vanguard's Total Stock Market Fund (VTSMX) in Sept. It's true: If you buy a total stock market index fund at regular intervals over a long enough timeline, you will almost certainly have satisfactory results. But there is long-term value to be had in buying the stocks of great companies and holding on to them for many years. Once you have the understanding and confidence to answer this question, you'll see why a $1 stock is not necessarily cheaper than a $50 stock -- and that's a concept that many folks have trouble with.


If you knew that a company could maintain or grow its profits at a fixed-rate every year in the future, valuing the stock would be an exact science. To find stocks that have a good chance of surviving into the future, think about the products that you use every day. Some of your stock picks will probably lose money, but one great investment can make up the difference and then some. Then again, you can save yourself the trouble and buy a mutual fund that owns the entire stock market (see above).
The Motley Fool's Morgan Housel cuts through the noise of investment television; he lays down the bare facts about investing in an inspirational way.
Disclosure: TheStreet's editorial policy prohibits staff editors, reporters and analysts from holding positions in any individual stocks. David Peltier uncovers low dollar stocks with serious upside potential that are flying under Wall Street's radar. David Peltier identifies the best of breed dividend stocks that will pay a reliable AND significant income stream. More than 30 investing pros with skin in the game give you actionable insight and investment ideas. You don't need to be college educated to start investing, in fact, you don't even need to be a high school graduate. And even if your family is well-off, there's no guarantee that their financial advice makes sense for you. If you're hoping to take a little bit of money and gamble it into a fortune in the stock market, you can stop reading now, this article isn't written for you. But if you have debt -- whether, it's credit card debt, mortgage debt or student loans -- it may not make sense for you to own bonds, or, to invest at all. If stocks or stock funds became too expensive (remember, the higher the stock market climbs, the more expensive it becomes), then you could use as much as 75% of your extra income to retire debt and the remaining 25% to buy stocks, despite their high prices.


If you're socking away $100 per week into a total stock market mutual fund, try to accumulate a cash reserve of $2,400. As of this writing, the Schwab Total Stock Market Index fund (SWTSX) has a $100 initial investment, no-load, and very low expenses. If you buy $500 worth of stock, minus a $10 commission to your stock broker -- then sell the stock after it rises 4%, again, minus a $10 commission, you've gained nothing. Even more so if your stocks pay dividends (an actual cash payment of the company's profits). What's even more amazing is that many online stock brokers offer dividend reinvestment as a free service.
If you hate smoking, you will not feel good about owning a tobacco company -- even if the company makes you money.
Investing in stocks takes a lot of time and research -- it's up to you to determine how much your free time is worth.
You just need to have a basic understanding of business and have the confidence to make a plan -- consider it a business plan for your life.
But if you plan to work for a few decades, and want to make sure that you don't have to work until life's end, you'll need to spend less than you make and invest the difference. You can apply this same logic when deciding how much of your extra money should be used to make investments. This luxury gives the patient investor an even bigger advantage over the frenetic stock trader. Therefore, if it makes financial sense to buy the entire company, it would make sense to buy a fractional part of the company.



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