Category: Investing
Retirement Planning, Retirement Investment
Retirement planning requires wise investment of a nest egg during your working life in order to live comfortably during retirement. A survey published by the National Foundation for Credit Counseling in April 2009 indicates that a third of the Americans surveyed had not saved anything in the past year for retirement.
Speculation
Speculation refers to making financial decisions by assuming the risk of loss for the potential for increased returns. There is really a very thin line of difference between speculation and investment and between a speculator and an investor. While all investors must speculate (albeit at different degrees), all speculators must invest in order to make profits.
The Difference Between Investment and Speculation
The difference between an investor and a speculator can be seen vis-à-vis the following parameters:
Rate of Return
Rate of return (ROR), or the rate of profit (ROP), is a crucial measure of how lucrative an investment is. It indicates whether an investment is viable or not and how efficient it is. The rate of return is also known as the return on investment (ROI) and is a ratio of the amount of money gained or lost to the amount of money that is invested.
Rate of Return: Calculation
The rate of return is always expressed as a percentage and is calculated using the following formula:
ROR = (Net Income / Investment Cost) x 100
Investment Course
Investing courses are designed to train professional and amateur investors in the workings of the financial markets. An investing course puts an investor in a better position to deal with brokers. It keeps investors up-to-date and equips them with the understanding of how various developments impact the market. Learning the fundamentals of investment is a prerequisite for successful investing and indeed trading.
What a Good Investment Course would Cover
A good investment course for amateurs should cover the following:
Savings Plans, Savings Plan, Saving Planner
Savings plans help individuals’ secure financial protection and attain their financial goals. The suitability of savings plans vary from person to person, as it depends on factors like budget and needs.
Types of Savings Plans
Savings plans can be broadly categorized into the following:
