Investment Tips - For the First Time Investor

 The basic rules of any first time investment are normally:

1. What is your preferred period of time for this investment?

Have a plan for the length of time to want to invest for, normally for reasonable growth a minimum period is 5 years but the longer the term the better your chances of making profit over inflation.

2. Know your risk profile (ATR) and what you are comfortable investing in

There are many tools to help assess your Attitude to Risk profile and you can find numerous online questionaires on this subject, indeed one of the first things a financial adviser will establish is the client's ATR.

3. How much of your investment can you afford to lose in the short term?

Always have a clear idea on how much of your investment you can afford to lose in the short or medium term, this way you can spread your money according to the level of risk you are prepared to take.

4. What is your overall objective, is it growth or income?

During the early years many younger clients may want to achieve high growth or growth in excess of inflation I order to build up their wealth.

While other older clients approaching or in retirement, may want income options with additional tax saving benefits.

5. Have a good clear idea about your current tax status

With so many different investment products in the market its important to know your current level of taxable income and which products may offer more longer term benefits.

6. Always split your investment as a total percentage (%) between low, medium and adventurous funds

Its quite common for many clients to spread their investment portfolios over various types of assets from low risk securities such as deposits and fixed interests with medium risk products such as distribution, gilts and bonds right up to higher (adventurous) risk which can include various stock markets and private stocks and shares.

7. Have you learnt from anything from previous investments

Its always handy to be able to review previous investments: what went well and maybe what did'nt do well, was the timing right, the spread, etc.

8. Have a plan B if markets fall or rise sharply

Deciding on your reaction should your investment move up or down sharply in the early years is clearly an advantage, knowing how you will react gives a good indication of how to build your portfolio over the short, medium and longer term.

9. Keeping regularly reviewing how your portfolio is going

Always spend a some time maybe just a few minutes every week seeing how everything is moving, what's doing well and why, Whats not doing well and why, whether you need to re-balance your portfolio over time to suit any change in your risk profile.

10. Remember always try to diversify

Don't have all your eggs in just 1 basket have 40 or more baskets, if you can Try and have a good spread of investment fund managers in various market sectors not just Insurance, Banks or Mutual products.

11. Take advantage of any tax incentives for investing (ISA etc)

With the taxman giving away less and less in the way of tax incentives, it always makes real sense to use whatever tax perks that are available, such as: tax relief, allowances, thresholds, deferrals, tax free status etc.

12. Be clever, always speak to an experienced independent financial adviser

It might be good to try a few things out yourself but importantly when dealing with your most important assets such as your life savings or your pension etc then save yourself a lot of time and trouble by discussing your needs and objectives with a financial adviser, use his knowledge and experience to save you problems in the future.

The Best Investments in a High Interest Rate Environment

 Waters on the Bay is one of the leaders in the surging increase in terms of expansion in the City of Panama. This building has a story of modern architecture with the feature of ocean views in each apartment residence. Waters on the Bay is the best investment in the City of Panama and people who are business minded, or retired persons can have the decision of investing here. The climate, the city, and the facilities will project this location as a better relocation for lifetime. It is situated along Balboa Avenue, and this bay is rightly located between Panama and Panama City connecting to Pacific Ocean. The City of Panama is the capital as well as the biggest city in nation`s commercial and cultural hub. This city is located on the isthmus close to the southern side of Central America. From the Panama Canal, it gives a lot of benefits to the people, and it is the only shipping road on Atlantic and Pacific.

This City announced its independence in the year 1903 from Columbia with the assistance of the American military. From the year 1904 until 1999, the United States controlled over this canal and from the year 2000, there is a high increase in condominium building established primarily because of the heavy overseas request. Certain construction like Waters on the Bay is among the tallest household construction in the world. It is a perfect spot for investing, and this main place will be a good source of money for the investor. People who like to retire in this city will also think that it is the best spot. By having the ocean views and good activities of this city, it will make the living of the people in Panama to become better. When you are thinking to invest, it is best to consider the climate of this city. It is under the hurricane locations and so, preventing the hurricane associated climate condition.

The tropical weather in Panama is beautiful, and the ocean breeze makes this location more refreshing. The days of snowy, cold and ice are gone. Everything is very close to hospitals, shopping malls, and the international business locations.

When you want to spend your retired life, Waters on the Bay are the right choice where you can relax and will have a peaceful mind. It has a 69 level skyscraper and has a unit with direct seafront views. The complex also features with the spa, swimming pools, basketball, gym, court, Jacuzzi, party hall and bar hall and children can enjoy in the play areas. The property facilities consist of eight levels of parking, rich lobby, 24 hours guard protection, and seven high-speed lifts.

Is Your Money Safe

 What happens when one begins to find outside sources to invest their money in safely? There are hundreds of opportunities including individual retirement accounts (IRAs) in traditional or Roth format, 401(k), employer plans, real estate, Forex, stocks and bonds, business franchises and other lucrative paths for financial stability.

Today's investors are amp to read each word, statistic and forecast of an investment before making a leap. This is obvious if you are an informed consumer, but the ability to choose safe investments is non-existent. You can find ways to invest your money safely, but the safety you seek Is in the mindset of the investor.

Consider these principles as you begin:

- What kind of investor am I?

- How can I use this investment to better my life?

- Should I trust this company with my money?

- What do I expect in return?

- Are there guarantees?

Create the proper expectation for your choices. Investors whom assume the whole responsibility of an investment tend to find themselves overwhelmed by a lack of control. You have to keep your mind set on an absolute principle of what you want to accomplish as an investor. The safety of your money is in the security you have in your decisions to invest.

Before you can choose an investment, you have to research options.

Research Investment Options

Safe investments are available in different forms, but each is designed differently based on an investor's level of risk tolerance. Until now, investors depended on the information a broker provided to make the right moves. Investors have access to online trading markets with in-depth information related to a company's performance, forecasts and investor meetings.

Research an investment's platform by answering these questions:

- Is the platform easy to access?

- What are the minimum deposits and account maintenance fees?

- How can the platform help investors reach their goals?

- Is this vehicle a tax shelter to avoid costly fees for profits?

Questions help demystify an opportunity to invest your money. Smart, savvy investors take time to compare investment platforms before jumping into the first one offered. Intelligent designations of funds is smart, safe and secure - an involved investor tends to acknowledge faults of each program, but proceed with caution.

Determine Investor Risks

Many ways to keep your money safe while investing in different things. Learn the risks involved in the platforms you choose; is there a fluctuating market for your investments?

Can you trust your judgments?

Do you have to risk losing money if you do not earn a profit? A risk level relevant to one's expectations can ease the stresses of monitoring an investment portfolio. You can learn how to invest your money safely by analyzing your risk tolerance early as you research an opportunity.

Risks are a part of making money in one's investments. We are all faced with the dilemma of how to invest your money safely, but risks outweigh any discussion an informed investor makes and assumes as they seek opportunities.

Gain Confidence in Your Investments

With a little insight and confidence, companies can and will help you find ways to keep your money safe. Investment platforms with statistical data and outlooks on company developments ensures investors are comfortable with their decisions and open to new methods of growing their wealth.

Are you confident in your decisions? Do you feel that your wealth is in good hands? Keep your money safe by developing confidence in your investments and allowing them to take course as they see fit. You always have an option to withdraw your funds from an account as long as it does not conflict with the company's policies.

Getting Your Financial Data From A Service Provider

 Using professional financial data services is very important since you can have opinions, news and even social media analyzed on your behalf. The analysis is very helpful in guiding you through the financial markets and in making investment decisions. When you have all the information you need from across equity markets, you will be better placed to make a good decision getting the most value from your investment.

The service providers have their own effective ways and tools of finding out everything there is to know from the financial markets to keep you updated. However, there is need to make sure that the kind of data you are getting from your provider turns out to be more convenient and beneficial to you as a trader. A good provider should offer you data through customized data feed that is suitable for algorithmic trading, if at all, it is to add any value to your investment. Here is what your data should contain to be most valuable.

Platform agnostic - Your service provider should have an API that can work with all given platforms as well as all programming languages. It ensures that no trader is shut out and you can work effectively from any given platform. Consider how possible this is when choosing your service provider.

Low latency - Financial data is very important to any serious trader or investor and so there should be very low time delays in the process. The time between which the data is acquired, analyzed and made available to you should be as low as possible. Time is of the essence in any kind of trading and investing and hence you should get feeds as soon as information is got so you can take important steps in time.

Categorization - Considering that the financial market is huge, data categorization is very important and you should get this from your data provider. APIs that are organized as sector, industry, exchange and equity will be most beneficial at any given time. This kind of data categorization gives you an easy time picking on areas that are most relevant and interesting to you compared to having to go through the huge volumes of data before finding what you are looking for.

Analysis - Besides making the most important information available to you, your financial data service provider should be in a position to offer proper data analysis to make it easy for you to digest. From the analysis, you should be able to access velocity, trends, sentiments, time series and impact data for every market and equity. The detailed analysis will give you a smooth pleasant experience handling your decisions and investments at large.

Standards - The way you receive your data ought to be the best possible. The interface should be friendly enough for you and even make it possible for you to interact and get responses to what you are interested in. Apart from getting instant data updates and notifications, your provider should make it possible for you to find out more of whatever you are interested in by providing a platform that gives you nothing short of this.