How to Manage Your Investment Holdings

The uncertain condition of today’s economy is not encouraging investors. This lowered investment trend can be traced back to the past 5 years where investments have been slow with subscriptions to how to manage your investment holdings magazines taking a dip. Many investors are uneasy over investing their money into a volatile market as stocks have been plummeting in value in recent years, with small rebounds here and there, now and then. This does not give investors enough confidence although there are many investing associations that offer courses or tips on how to manage your investment holdings.

Good Monitoring of Investment
It is crucial to monitor your investments especially in this time of market uncertainty or volatility. Choosing the best investments is no guarantee of positive returns, much less huge returns, if you are not tracking the movements of your portfolio. As in any investment, there will be profits and losses; you can waste a lot of time and your hard earned money if you do not have good tracking habits or strategies such as proper record keeping. It is essential for any serious investor to review their portfolio’s performance when you are serious about how to manage your investment holdings for good returns.

There may be taxes that are incurred, retirement computations which may lead you to make further decisions on your portfolio or opportunities that come by your way to grow your wealth. There are now many online resources for your picking to assist you on how to manage your investment holdings by keeping careful records on every investment you make, be it stock, bond, mutual fund or security. Once the easy setup is done, you will only need to commit to a weekly or bi-weekly check up on the performance of your portfolio. This way, you will not be taken by surprise on any adverse news as you monitor the organizational news of your portfolio.

Online Investment Services
Online investment tracking services will update your portfolio automatically to reflect any price changes on a daily basis with a re-computation of your assets. They also assist in comparisons of your investments to your targets and the expected returns of your portfolio. These online investment services also alert the investor on potential purchases to add on to your portfolio. They may even have tips on how to manage your investment holdings that will benefit you.

Self-directed investing
This is for those who want to manage their own portfolio; those of you who might be retirees and are keen on how to manage your investment holdings can consider monitoring your own investments with a sufficient bit of basic understanding of the various investment types available for your own consideration. You will need to be familiar with tax consequences as well as investment earnings and related costs with any investment you plan to undertake.

You will need to be computer savvy if you are engaging technology in your own monitoring of your portfolio as well as be comfortable with the investment terms and conditions.

Self-directed investment requires online accounts monitoring, evaluation and understanding before an investment transaction can be performed. There may be a substantial online research required to confirm or refute financial assumptions.

Other factors
There is still a need to engage an investment company or professional broker to perform some of your trades or investments. An online broker may charge certain fees for his services. You should check out the reputation and performance of online brokers first before engaging their services.

When you get going on how to manage your investment holdings, you may need to consider it as a long term goal so that you are able to pace your time and effort on the portfolio that you are going to set up. A good investment plan is usually for the long term to enjoy its good returns. Discipline and patience are two virtues that are required when you want to manage your own investments as most stocks do not bring in huge returns in the short run. It’s a great commitment to those stocks which you think will fare well in the long run.

The Guts of the Trans-Pacific Partnership Agreement

Senator Bernie Sanders voiced his disagreement to President Obama’s big trade deal. Organized labor in the U.S. argued, during the negotiations, that the trade deal would largely benefit corporations at the expense of workers in the manufacturing and service industries. The Economic Policy Institute and the Center for Economic and Policy Research have argued that the TPP could result in job losses and declining wages.

Obama was granted fast-track authority to negotiate this and other trade contracts with various countries. Obama contended that this authority was important to completing the TPP then sending it to Congress for a vote. The Senate won’t have the ability to delay the TPP and lawmakers will not be able to change it. Supporters say that the TPP would force China to increase standards and regulations.

The Trans-Pacific Partnership or TPP has become additionally politically combative with groups worried about trade contracts. The TPP is not the only one, but it is a very big one and the negotiations are complete.

It began with a trade contract between Brunei, Chile, New Zealand and Singapore that came into effect in 2006. That arrangement detached tariffs, intellectual property, and trading policies on most goods traded between the countries. The TPP has grown into a giant free trade deal between the US, Japan, Malaysia, Vietnam, Singapore, Brunei, Australia, New Zealand, Canada, Mexico, Chile and Peru. TPP wants to extend economic bonds between these nations, cutting tariffs on goods and services, and raising trade to increase growth. The 12 countries have a population of about 800 million and are accountable for 40% of the world’s GDP and 26% of the world’s trade. The deal is a notable achievement given the very different approaches and standards within the member countries mention the special protections that some countries have for certain industries. That makes it roughly the same size as the Trans-Atlantic Trade and Investment Partnership, another trade contract currently being used. The contract could make a new single marketplace like the EU.

After too many years of American foreign policy being bogged down in the Middle East, the Obama administration is aiming its focus on Asia. The TPP is the focus of the US economic re-balancing and a stage for regional monetary integration. Some say the TPP goes further, as an effort to contain China and provide a monetary counterbalance to it in the area. Many parts of the TPP are designed to exclude China. The TPP is thought to be a strategy to keep China contained.

Most of the disapproval for the TPP has been for the mysterious consultations, in which countries were planning to be bringing in large changes for the countries’ futures without voters’ knowledge. But much of what has been exposed involves changes to intellectual property, state owned property, and international courts. The TPP, as well as other trade deals, have a wide array of regulatory and legal concerns that make the deals influential on foreign policy and US lawmaking.

Information on the TPP’s effect on intellectual property has exposed that the U.S. has been forcing tougher copyright security for music and film, as well as more comprehensive and longer-lasting patents. The TPP would also increase the difficulty of the approval procedure for generic drug makers and extend protections for biologic medicines, which has concerned members of Congress. Public health and internet groups have campaigned hard against the TPP for a long time about these matters because it may restrict public access to knowledge.

Many TPP governments basically own huge portions of their economies. Discussions have intended to limit public support for public sector businesses in order to raise competition with the private sector. But some assert it gives companies the ability to sue governments that change policy to favor public-provided services. The TPP will is also said to increase competition between nations’ work forces.

After World War II, investors were concerned about investing money in 3rd world countries, where the legal systems were not as reliable. They were concerned that an investment is made in country one day only to watch a dictator repossess it later. Enter the provision called “Investor-State Dispute Settlement,” or ISDS. The ISDS was installed in previous trade contracts, and is installed in the TPP, to encourage foreign investment in countries with weak legal systems. The ISDS could lead to huge penalties in the event that steps are taken of a country confiscating corporate assets. The ISDS provision in the TPP would also tip the balance of power in the US further in favor of huge multinational corporations and weaken U.S. autonomy.

Millennials Are Gonna Pay Big

My friend L wants to live out of a van.

For the moment, she works for Whole Foods and walks dogs for extra cash. The rest of the time, though, she climbs – indoors or outdoors, it doesn’t matter.

Every time she’s able to put together a few days of paid time off… she’s off scaling mountains in Kentucky, West Virginia, Tennessee or Colorado.

And now she’s ready to take this hobby to the next step.

A month ago, L told me she’s going to commit to climbing – all the time. That means living out of a van, one she’s been outfitting herself. It’ll have a bed, a mini-kitchen, gear storage – everything she’ll need to live life on the open road.

Now this might seem like an unusual choice, but L is 25 – she’s a millennial. And her generation is increasingly able to make decisions like these because millennials are incredibly adept at exploiting the new technologies that make them possible.

In fact, these technologies are setting up to make investors a fortune…

One of the potentially biggest technologies that L will be taking advantage of is mobile banking.

The reason is simple: Since she’s living on the road, she’s going to need to “gig” for money while she travels.

A gig is a job with no employment arrangement. That could mean quickly helping someone with a fast home-construction project or acting as a research assistant to people like me who need information quickly for an issue. Other gigs are more sophisticated, like writing a small part of a computer program.

In some instances, your client could be someone in Singapore, Dubai, New York or London.

After you complete the gig and it comes time to be paid, the client simply sends you the money using a smartphone app, such as Venmo, PayPal or Dwolla. So it’s easy for people like L to make money while they’re traveling in pursuit of their passions.

As a result, this type of payment platform is gaining wild popularity.

Follow the Millennial Money

Remember, L isn’t the only one doing this. Her entire generation – the millennial generation – sees this way of living as a viable option because they’ve grown up with smartphones and the Internet, which have become just as vital as electricity and water to them.

As you may know, millennials are between the ages of 18 and 34 today. This generation numbers a whopping 92 million people in just the U.S. alone. That makes it the largest generation in history, overtaking the baby-boom generation, which numbers 77 million.

Globally, the millennial generation is estimated to be as large as 2 billion people strong.

And many of the habits of U.S. millennials are shared by their peers in Australia, the United Kingdom, China, India, Brazil, Russia, etc.

In other words, if you travel, it won’t take you long before you run into a millennial who, like my friend L, is pursuing a passion – in outdoor rock climbing, surfing, scuba diving, mountaineering, volunteering, etc.

Most of them depend on mobile payments to get paid while they pursue their passion. And other millennials who are still rooted in one place use these services as well. They may use a platform such as PayPal for everyday activities, such as transferring money to a friend or paying for their Uber rides.

In fact, a recent survey showed that 15% of millennials use mobile payments multiple times per day. Another 10% use it once a day. And 29% use it several times in a week.

It’s no wonder then that mobile payment growth is skyrocketing higher. For 2016, growth is expected to hit 183.3% – and it’s expected to double in 2017. By 2020, total transactions are expected to hit $314 billion, growth of 1,034%!

That’s where you want to be as an investor – in explosive growth trends just like that.

Banking on a Powerful Trend

I’m expecting similar gains for the millennial-based stock recommendation I’m releasing this month.

Now, I can’t give this stock away for free here. And right now, there isn’t an ETF that is liquid enough for me to recommend for you that would capture this millennial mega trend. However, keep checking back, and I’ll be sure to let you know once I find a good ETF to recommend.

In the meantime, I suggest following companies that benefit from millennial trends, such as mobile payment services. Because that’s where the big money is going to flow.

Young Investers

Since youth are the dominant contributors to the Gross Domestic Product (GDP), they make a great difference to the economy. All the major concern center around young population. As compared to the past, today the individuals are more financially potential and independent and it is all because of steep rise in tertiary sector. Now-a-days spending a few bucks on coffee or on shopping has become a casual activity which was very rare some time ago. It is all because of changes in lifestyle and adoption of western culture not the youth of today hardly think of ‘savings’ for the future. There is a need to focus on the disability of savings despite the fact that there are insufficient earnings.

There are just few things we should understand and minor changes we should bring to inculcate the habit of investment to bridge the gap between income and spending. One should know the sum of money earned in the form of salary and the avenues where this income is spent. Now what is salary? It is the amount working people take home after deducting the tax and contributions to EPF from gross income. This balance is also called net salary. Thus, to save you need to deduct expenses from salary.

Analysing goals-
Goals are basically the personally set standards which one wants to achieve to reach the target. These are our milestones which can help in taking right decisions. Goals can be set for different time periods say-
a) For one or two years, called the short term goals. They require immediate attention.
b) For five or seven years, called the medium term goals. They give us time to wait and analyse things between investment period and return period.
c) For ten or fifteen years, called the long term goals. These are meant for retirement.

Opting for a suitable investment plan-
Investment plan means channelising your money in the most efficient method. Since various plans are available in the market but only right plan can reap benefits in the future and for that an expert advise is highly appreciable. After selecting an appropriate plan start your investment considering the retirement because a small amount invested today can make your future bright.

Investment planning is not a one time phenomenon but it needs to be received and readjusted according to the present need and trend to make investment successful. Thus, it is high time that the youth of our country should be made aware about the best investing options and its benefits for them in the long run. Also since the young generation is the representative of the present and future economic condition of the country so they should be driven by the right motive and prospective.

1. Investment – A thoughtful task making investment is not an easy task so it requires a careful analysis of its pros and cons. You should know the purpose and need for using your hard earned income in the most profitable venture. Don’t be convinced by what your friends or neighbours or relative advice you to invest in because all have their own needs. Besides realising your need you should also be aware about the risk associated with investment plan. As it is said that more the risk, higher the chances of returns, so to earn more profit you should make careful decision about your risk taking ability. Let us consider a situation where we want to buy a bungalow in next seven-eight years so for that traditional method of investment would not be efficient rather we have to invest in stock or mutual funds for an additional advantage.

2. Get insurance – Financial goals can only be fulfilled when one lives a healthy and secured life. You should not get a term plan which has a greater coverages and last till 75 years at least. It should also increase with increase in income. In case of change in job where insurance facilities are not available on increase in coverage becomes essential. At any stage of Life you can suffer from health problems so you should try to get the best facilities and the most efficient as well as reliable term plan. Investing in health or life insurance not only protect you but also your family from unpredictable circumstances. The young generation should set up an emergency fund that would benefit them in long run. Thus, the youth are not that young that they do not know how to increase their earnings or make better returns. They are responsible for their own expenses and with other demands or commitments in their pay check it becomes more important to do systematic investment planning at a young age to secure life after retirement.

So, it is essential to invest in better and profitable plans to lesser the risk of losing money. Also for some people investment is a means of growth as it keeps up with inflation. By calculating your ROI you can get better idea about how well planned your investment is.

ROI=Investment Gains/Costs

Since investing is not an easy task and requires the help of an expert so for that you need to pay them fees but with your efforts and research you can minimize it. Even you have to pay taxes on investments made. So considering all the pros and cons of investment at a young age one can make provisions for the ins and outs of funds. It won’t be always successful but then one learns from one’s mistake and experiences.

Making investments at the earliest has an additional advantage and that is devoting time because if you lose your site, you have the time to make up for the loss. It is advisable not to use your short-term money for investment purpose because you would not like to block your money during the time of need. Investing at the right time and in the right plan is your ladder towards becoming rich.