Investors will again have to keep a wary eye on Greece and its talks with international creditors where the parties are struggling to come up with a list of acceptable reforms. With medium term trading, and a holding period of a few weeks, a one to day outage should not unduly concern an individual investor, although they should keep a closer eye on the markets in that period. This is because adding extra savings to your portfolio gives compound interest more money to work on and achieving higher total return on investment at the end of the day. While saving and investing go together like left and right hands, accumulating money through savings is the main mechanism that makes investing work. Those funds that your banker / insurance agents / financial planner ( commission base ) show you were those left after many funds been closed or merged . For example, a mutual fund company’s selection of funds today will include only those that have been successful in the past.

The turnover ratio is the percentage of a mutual fund or other investment’s holdings that have been replaced in a given year, which varies by the type of mutual fund, its investment objective and/or the portfolio manager’s investing style. I believe this will be more similar to my objective of starting Fundamental Scorecard – to spread the knowledge of fundamental investing. I guess most investors also having experience of buying unit trusts (aka mutual fund) or may be having unit trust in their portfolio at certain point of their investing life. As such , this many not represent the true performance of the fund manager or trust investment company. One of the thing that really pissed me off was that , in reading through their annual report , I found out that the fund was having more than 120 % of portfolio turned over ratio p.a . We do not want to over pay for a stock.

Investing in China can have a high pay off, but is usually a very high risk. People will cherish the remaining offline experiences and will be willing to pay huge premiums to get these experiences. In the case of GM, it might be market trends that people couldn’t see or refused to see. Therefore, if the potential for such a roller coaster ride makes you break out in hives you might want to consider something a little more conservative; albeit, definitely less rewarding. And in fact, an anti-trust suit by the Justice department might force this down the road (although Google could point to Microsoft’s ownership of BING as justification, I guess). This bank has made something of a habit lately of missing expectations, with weak internal loan growth, higher than expected margin compression, and non-interest expenses weighing down results. In my early days of investing , I have invested in one of the unit trust recommended by bank staff ( that was about 16 years ago while I was still learn how to invest ). As we are all too aware, taking too much income at the wrong time can rapidly deplete pots and leave savers short in later years.

While the initial effect of a budget may be that money for fun seems to disappear, good budgeting can eventually re-open that door. Why Investing In Mutual Funds or Unit Trusts May Not Be A GOOD Idea? Generally speaking, investing in yourself is the best thing you can do. You can have all kinds of things happen. Things like “ professionally managed , diversification “ often being cited as benefit of investing in unit trusts ,, BUT …. If you keep playing safe and investing in less riskier opportunities, you’ll have limited returns, but the whole experience of investing will be a pleasant one. As what I have mentioned in one of my investment strategies , “ Money Management “ , watch out for our personal “ cash flow “ and ensure that we don’t be killed by “ Lifestyle Inflation “. One should not just chasing or looking for high investment return during their journey of financial planning , but also need to achieve higher “saving “ through increasing human capital .

In order to save more , of course we will need to improve our income level by achieving better return on “ ROH “ i.e Return On Human Capital. Well, what is the ROI required in order for Investor B to have the same investment amount as Investor A ? But you can’t accumulate as much as someone who was more of an average investor but saved in a disciplined and consistent way. An above average saver will do better than a great investor who doesn’t save ( or save less ) in the long run. Ultimately it is important to realise that as an investor you need to be in control of the fund, even if it is supervised by a fund manager. There are many different options available but, apart from that mutual fund offers better benefits. But, understanding the value of a rising dividend is much tougher and techniques to assist you in doing so are almost totally absent in today’s media.