Eternity Assets Review Is Scam or Paying Read Before Investing!

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Investment schemes involve getting you or your business to part with money on the promise of a questionable financial opportunity.

Common types of investment scams

Investment cold calls

A scammer claiming to be a stock broker or portfolio manager calls you and offers financial or investments advice. They will claim what they are offering is low-risk and will provide you with quick and high returns, or encourage you to invest in overseas companies. The scammer’s offer will sound legitimate and they may have resources to back up their claims. They will be persistent, and may keep calling you back.

The scammer may claim that they do not need an Australian Financial Services licence, or that that they are approved by a real government regulator or affiliated with a genuine company.

The investments offered in these type of cold calls are usually share, mortgage, or real estate high-return schemes, options trading or foreign currency trading. The scammer is operating from overseas, and will not have an Australian Financial Services licence.

Share promotions and hot tips

The scammer encourages you to buy shares in a company that they predict is about to increase in value. You may be contacted by email or the message will be posted in a forum. The message will seem like an inside tip and stress that you need to act quickly. The scammer is trying to boost the price of stock so they can sell shares they have already bought, and make a huge profit. The share value will then go down dramatically.

If you invest you will be left with large losses or shares that are virtually worthless.

Investment seminars

Investment seminars are promoted by promising motivational speakers, investment experts, or self-made millionaires who will give you expert advice on investing. They are designed to convince you into following high risk investment strategies such as borrowing large sums of money to buy property, or investments that involve lending money on a no security basis or other risky terms.

Promoters make money by charging you an attendance fee, selling overpriced reports or books, and by selling investments and property without letting you get independent advice. The investments on offer are generally overvalued and you may end up having to pay fees and commissions that the promoters did not tell you about. High pressure sales tactics or false and misleading claims are often used to pressure you into investing, such as guaranteed rent or discounts for buying off the plan.

If you invest there is a high chance you will lose money.

Visit ASIC’s MoneySmart for more information about investment seminar scams.

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Superannuation scams offer to give you early access to your super fund, often through a self-managed super fund or for a fee. The offer may come from a financial adviser, or a scammer posing as one. The scammer may ask you to agree to a story to ensure the early release of your money and then, acting as your financial adviser, they will deceive your superannuation company into paying out your super benefits directly to them. Once they have your money, the scammer may take large ‘fees’ out of the released fund or leave you with nothing at all.

You cannot legally access the preserved part of your super until you are between 55 and 60, depending what year you were born. There are certain exceptions such as severe financial hardship or compassionate grounds – but anyone who otherwise offers early access to your super is acting illegally.

Visit ASIC’s MoneySmart for more information about how super works.

Warning signs

  • You receive a call, or repeated calls, from someone offering unsolicited advice on investments. They may try to keep you on the phone for a long time, or try and transfer you to a more senior person. You are told that you need to act quickly and invest or you will miss out.
  • You receive an email from a stranger offering advice on the share price of a particular company. It may not be addressed to you personally, and may even give the impression it was sent to you by mistake.
  • An advertisement or seminar makes claims such as ‘risk-free investment’, ‘be a millionaire in three years’, or ‘get-rich quick’.
  • You are invited to attend a free seminar, but there are high fees to attend any further sessions. The scammer, posing as the promoter, may offer you a loan to cover both the cost of your attendance at the additional seminars and investments.
  • You see an advertisement promising a quick and easy way to ‘unlock’ your superannuation early.

Protect yourself

  • Do not give your details to an unsolicited caller or reply to emails offering financial advice or investment opportunities – just hang up or delete the email.
  • Be suspicious of investment opportunities that promise a high return with little or no risk.
  • Check if a financial advisor is registered via the ASIC website. Any business or person that offers or advises you about financial products must be an Australian Financial Services (AFS) licence holder.
  • Check ASIC’s list of companies you should not deal with. If the company that called you is on the list – do not deal with them.
  • Do not let anyone pressure you into making decisions about your money or investments and never commit to any investment at a seminar – always get independent legal or financial advice.
  • Do not respond to emails from strangers offering predictions on shares, investment tips, or investment advice.
  • If you feel an offer to buy shares might be legitimate, always check the company’s listing on the stock exchange for its current value and recent shares performance. Some offers to buy your shares may be well below market value.
  • Never commit to any investment at a seminar – always take time to consider the opportunity and seek independent financial advice.
  • If you are under 55, watch out for offers promoting easy access to your preserved superannuation benefits. If you illegally access your super early, you may face penalties under taxation law.

Have you been scammed?

If you think you have provided your account details to a scammer, contact your bank or financial institution immediately.

We encourage you to report scams to the ACCC via the report a scam page. This helps us to warn people about current scams, monitor trends and disrupt scams where possible. Please include details of the scam contact you received, for example, email or screenshot.

Scams that relate to financial services can also be reported to ASIC.

Spread the word to your friends and family to protect them.


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Dec 04, 2020 Publicly held corporations don’t operate in a social or environmental vacuum. Their policies and practices affect employees, investors and customers, as well as the environment. The growing realization that a corporation’s conduct will have either a positive or negative effect on stakeholders and the environment has made corporate social responsibility (CSR) an important aspect of modern-day business operations. It also has become an important consideration for retail investors. Read More.

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Nov 29, 2020 Looking for an investment that can help manage risk in your portfolio? Consider market neutral funds, which aim to provide stable returns and mitigate risk in various stock market environments. But like with any investment strategy, it’s worth weighing the pros and cons before you commit. Here’s what you need to know about market neutral funds, and the potential benefits and drawbacks they bring. Read More.

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Nov 29, 2020 Investing in futures is a way to benefit from stock market movements without actually owning a particular security. Managed futures is considered an alternative investment strategy that can be used as a hedging tool within a portfolio. Though there are several benefits to investing in managed futures, it’s not necessarily right for everyone. If you’re thinking about adding managed futures to your portfolio, here’s what you need to know. Read More.

Nov 26, 2020 There are many ways to invest in real estate. Two of the most obvious are purchasing a rental property or investing in fix-and-flip projects. Investing in global real estate is also a possibility. If you’re expanding your horizons, here’s what you should know about real estate beyond your backyard. Read More.

Nov 26, 2020 The terms “Wall Street” and “Main Street” get tossed around a lot in conversations about the financial industry. But not everyone has a clear understanding of how they differ — especially when it comes to investing their money. Here’s how Wall Street and Main Street are different, and why that matters when it comes to shaping your investing strategy. Read More.

Dec 03, 2020 A market maker is typically a large bank or institution. They help ensure the liquidity of a market by offering to both buy and sell securities. As an investor, there are some things you need to know about market makers. Here’s how they work, why they’re important to the market, and how they use supply and demand. Read More.

Dec 03, 2020 The Sortino Ratio helps measure the risk-adjusted return of an investment. Both it and the Sharpe Ratio determine an investment’s return through risk-adjusted methods. However, the Sortino Ratio only factors in downside volatility. Learn about the Sortino Ratio, how people use it, and how it can benefit investors. Read More.

Dec 03, 2020 Investments come in many different forms. At one end are stocks, which are considered fairly high-risk, but can give you high returns. On the other end are low-risk investments, including the money market. If you seek safety, security, and low-risk investments, money markets might be the right choice for you. Read More.

Dec 03, 2020 If you’re looking to maximize investment returns, perhaps you should think like a gambler. The Kelly criterion was used by horse racing gamblers in the late 1950s. Today, Warren Buffet and others use it for investing purposes. Before addressing your investment strategy, learn about the Kelly criterion and see if it’s a fit for you. Read More.

Nov 21, 2020 Many investors build their portfolios around index funds. These bundled assets provide a return that tracks some third-party metric such as the price of gold, the bond market or, commonly, the U.S. stock market. The S&P 500 average annual return makes its index one of the most stable investors can ask for. Here’s what it looks like. Read More.

Nov 21, 2020 You get in the shower and turn on the hot tap. The water’s cold, so you turn the tap a little further. Still nothing, so you give it another nudge. Then, all that hot water bursts out at once. You let out an undignified yelp and jump backwards, suddenly understanding how a stock market bubble bursts and a Great Recession begins. What is a Stock Market Bubble? A stock market bubble is a period of growth in stock prices followed by a fall. Typically prices rise quickly and significantly, growing far beyond their previous value in a short period of time. When they fall, they do so quickly and often below the starting value. A stock market bubble can affect either the market as a whole or specific sectors, such as within individual industries or geographic regions. They typically occur when investors overvalue stocks, either misjudging the value of the underlying companies or… Read More.

Jan 08, 2020 The Series 27 Financial and Operations Principal (FINOP) is a license that allows its holder to oversee the financial operations in one specific organization, namely a member firm brokerage. Also, the name refers to the exam the license holder must pass. We’ll explore the role the qualification plays in the regulatory structure of the investing and brokerage business. However, a financial advisor can help you learn more about brokerages and which ones might suit your investing objectives. Read More.

Nov 18, 2020 Whether you’re looking to buy or sell a security, you’ll likely use a registered representative to help complete the transaction. Registered representatives, usually working with a brokerage firm, help their clients trade securities and provide investment advice. Their practices are heavily regulated, and each representative has passed comprehensive qualifying exams. We’ll explore the fundamentals of how registered representative approaches their profession, but the securities industry is extremely complex. If you are eager to learn more, consider finding a financial advisor who can assist your investment strategy. Read More.

Dec 03, 2020 Hypothecation is the practice of pledging collateral in order to secure debt. This comes up most often in mortgage lending, but it can apply to any kind of debt. It shows up in investing, but hypothecation and riskier rehypothecation can have consequences for homeowners. Learn the basics of hypothecation and how it works. Read More.

Dec 03, 2020 There are many different strategies for managing an investment portfolio But did you know you can automate trades within that portfolio? Algorithmic trading automatically places stock orders based on price and other conditions. Here are the basics of this method, how it works, its pros and cons, and when to use it. Read More.

Nov 16, 2020 In stock trading, there are several buying and selling strategies to choose from. Price action trading is one of them. Rather than relying on technical analysis or fundamental analysis, price action trading simplifies tracking and acting on stock trends. If you think it could help build your portfolio, here’s what you need to know. Read More.

Nov 15, 2020 The capital market refers to the arena where securities are created and traded between investors. Within this capital market are a primary market and a secondary market, each of which serves a different purpose. Those markets work together to promote economic growth while allowing companies to raise capital via investors. Read More.

Nov 15, 2020 Smart beta knows that every investor wants to beat the market. Few actually pull it off. Most of the time, a long-term, passive strategy built around reliable index funds will outperform most active trading schemes. Most of the time. Yet even index funds could use some help. This is where smart beta comes in. Read More.

Nov 14, 2020 An entrepreneur is someone who starts a business. Entrepreneurs are some of the most storied figures in their fields. They are credited with originating industries, building large fortunes and, sometimes, changing the world. They also take great risk for uncertain reward. Here’s more about what an entrepreneur is and what one does. Read More.

Dec 03, 2020 There was a time where finances and technology were separate, like church and state. If you needed money, you went to the bank. If you wanted to play games, you used a machine. But now, there is fintech: The marriage between finance and technology. Here’s what financial technology means for your future. Read More.

Jan 14, 2020 If you own a company that is looking to get an initial public offering (IPO), you might need to raise equity capital from financial institutions. However, you can do that through equity capital markets, which are broader than the stock market. Learn how equity capital markets work and what ECM groups do. Read More.

Nov 14, 2020 All investors seek a balance between risk and return that works for their temperament and circumstances. Allocation of capital drives many investment strategies, but some focus on risk allocation instead. One such strategy is risk parity, which spreads risk across asset classes to deliver returns that don’t swing up and down with the market. This approach can appeal particularly to investors who want to avoid concentrating their portfolio risk in stocks. While it’s a popular strategy, you may want to consider working with a financial advisor to determine if it suits your investment approach. Read More.

Nov 13, 2020 It’s likely that most investors rarely thin about the world of private equity, even though private equity funds control billions of dollars in assets. In the best cases, they reap enormous returns for their investors and help launch some dynamic companies. These funds are not for casual investors, but it can be helpful to learn how they operate and ways you can directly or indirectly invest in them. We’ll cover the private equity fund basics here, but if you have large assets to invest, consider working with a financial advisor who can explain how specific funds work. Read More.

Dec 03, 2020 Investing and financial planning are all about the numbers, so it’s easy to see why economists long assumed people approach these subjects logically. And they do, but only sometimes, which is one of the key insights of the growing field of behavioral economics. Researchers have found abundant evidence that people often are more irrational about finances, investing and reading markets than previously known. Understanding how biased and oversimplified thinking can influence perspective can be fascinating-and very useful to investors. If you need more insights, consider finding a financial advisor to help you design a smart investing approach. Read More.

Nov 13, 2020 The bond market is a safe harbor when the stock market starts going pear shaped, or just feels a bit wobbly. They come in all shapes and sizes from Treasury to junk, and are often a very strong option for someone looking to diversify their portfolio with a bit of stability. Here’s what you need to know about bonds and bond investment. Read More.

Nov 12, 2020 Investing smart means using the right tools. Whether that’s considering a stock’s volatility metrics or its price history, you won’t invest as well without the proper resources. One such resource? The market profile chart, first used in 1984. A market profile chart conveys a stock’s price and volume information over time in one quick format. It can be useful for long-term investors , speculators and day traders alike — if, that is, you know how to read one. Read More.

Jan 08, 2020 In options trading, “delta” represents volatility. It is one of a set of variables, collectively known as “the Greeks, that traders use to assess the risk of a derivative. Here’s what you need to know about delta neutral investing and how it works. Read More.

Nov 11, 2020 If you’re an investor, chances are you’re looking for a reliable way to keep tabs on how your money is doing. And while various methods exist to measure the performance of an investment portfolio, calculating the time-weighted return (TWR) is the most common. The TWR measures the compound rate of growth in a portfolio while accounting for inflows and outflows of money. Read on for more about the time-weighted return and how to use it to evaluate the performance of your investments. Read More.

Dec 02, 2020 Whether you’re a financial novice or a seasoned investor, getting some help from an expert might be good for you. If you need some help with financial planning, investing, or managing wealth a Chartered Wealth Manager (CWM) may be a good bet. Here’s what a CWM is and how its stands out from other financial experts. Read More.

Nov 08, 2020 CAN SLIM is an investing strategy which represents seven characteristics typically present in well performing stocks before. As a result, those traits typically manifest right before a stock sees its price increase. The term CAN SLIM or “C-A-N-S-L-I-M” is an acronym, with each letter representing one of the system’s key factors. Read More.

Nov 08, 2020 Risk is one of the most essential concepts to successful investing. Investors and capital-seekers looking for right balance on any given security drives most market activity. Alpha measures an investment’s performance compared to a relevant market, like the Dow Jones or S&P 500. Here’s how alpha is measured and how it’s used in investing. Read More.

Nov 07, 2020 A financial firm is said to practice proprietary trading if it invests its own money to make profits for itself, instead of earning commissions by trading on a client’s behalf. While the firm’s clients don’t benefit from proprietary trading, it can be very profitable for a financial firm. Read on to learn the ins and outs of proprietary trading, as well as government limits placed on the practice in the wake of the Great Recession. Read More.

Dec 02, 2020 As an investor, wouldn’t it be nice to know that your portfolio both limits your risk and maximizes return? Ideally, it will do just that. The efficient frontier is a set of investment portfolios that maximizes returns while minimizing risk. Learn how the efficient frontier works, why it matters, and how it can benefit your investment strategy. Read More.

Nov 07, 2020 A flash crash occurs when electronic securities trading systems trigger a dramatic drop in price and rebounds within minutes. While flash crash occurrences are happening more often, many investors still don’t understand what causes them. Read on to learn how flash crashes work and if it’s possible to prevent them. Read More.

Nov 06, 2020 One hundred is a lot of shares. Literally, when trading stock one “lot” is defined as 100 shares. A round lot is any number of shares evenly divisible by 100, while any other amount is considered an “odd lot.” Block traders do not deal in lots of shares. They operate on a scale several orders of magnitude larger. Read More.

Nov 05, 2020 The edge case scenario is realistic, but too remote to come up in daily events. Arguably, how well you manage unlikely outcomes largely defines your skill in a profession. Lawyers call them “bad cases,” and warn every first year law student that bad cases make bad law. Doctors have their rare and orphan diseases. Investors have tail risk. Read More.

Mar 24, 2020 It is clear that, once upon a time, finance types had a little more fun with their jobs. How else to explain how “dead cat bounce” came to be a widely accepted piece of financial jargon? The odd term refers to a temporary rally in the price of a stock that’s losing value. Learn what constitutes a dead cat bounce, why it happens and how you, as an investor, can benefit from this phenomenon. Worried about your investments? Find a financial advisor today. Read More.

Jan 14, 2020 A chartered financial analyst (CFA) is a financial advisor who has earned the title of CFA through extra accreditation, including a rigorous three-part test, from the CFA Institute . A Chartered Alternative Investment Analyst (CAIA) specializes in alternative investments such as hedge funds and private equity. This professional must undergo 400 hours of study and pass two rigorous exams to earn the CAIA designation from the Chartered Alternative Investment Analyst Association. We’ll explain what a CFA and a CAIA do, what it takes to earn those designations and the difference between the CFA designation and the CAIA designation. If you are looking for a financial advisor who can help you with your investments, check out Read More.

Nov 04, 2020 There is no lack of investment opportunities in today’s financial sector, but every investor’s situation is different, and many welcome new options. If you’re seeking alternatives beyond mutual funds and stocks, you might consider UCITS funds. UCITS stands for the Undertakings for the Collective Investment in Transferable Securities, which is a regulatory framework that governs the sale and management of mutual funds in the European Union. UCITS funds are enormously popular in Europe, but investors outside the EU can access them as well. Here’s what you need to know about how these funds work. Read More.

Dec 03, 2020 Investing has its risks. But there are strategies to determine an investment’s expected return, based on that risk. It’s called the Capital Asset Pricing Model (CAPM). Investors can use CAPM to determine whether an investment is worth the risk. Learn how to calculate it and use it in your investing. Read More.

Dec 02, 2020 When tracking your investment portfolio, you might compare its against a stock market index such as the Dow Jones Industrial Average. Ideally, you want investments to beat the Dow. The Dogs of the Dow investing strategy attempts to identify value stocks. What’s its history, does it work, and how can investors take advantage? Read More.

Dec 02, 2020 Investing in the stock market inevitably brings risk, and diversifying a portfolio doesn’t eliminate it. There’s always systematic risk. In other words, there’s always inevitable risk that affects a market segment or the market as a whole. Systematic risk affects the entire market, not just a single stock or industry. Here’s what investors need to know. Read More.

Dec 02, 2020 If you’re stock market regular, you’ve likely heard of day trading: The buying and selling of securities within the same trading day. But maybe you’d like a slightly longer lead time for such transactions. Enter swing trading, which is basically day trading over a somewhat longer period. Here are some basic swing trading strategies. Read More.

Jan 15, 2020 Assessing the value of a company or security can take a few different forms. You can measure all stocks or securities equally, or use market capitalization. Another choice: a price-weighted index, in which each member company’s stock in an index is weighted proportionally to its current share price. Read More.

Dec 02, 2020 While you might have a good grasp on the ins and outs of the stock market, it’s impossible to predict its future. That doesn’t stop some people from cheating the system for their own benefit, though. Read on to learn all about market manipulation, including how to spot it and avoid becoming a victim. Read More.

Jan 14, 2020 Since buying and selling stock is a key component of investing, it’s important for investors to understand trading terminology — especially the term “bid-ask spread.” If you have no idea what that means or how it affects your investment mix and overall portfolio, read on. Read More.

Jan 14, 2020 High frequency trading (HFT) is controversial. Some investors say it lets people capitalize off of opportunities that may vanish quite quickly. Others say high frequency trading distorts the markets. Supporters of high frequency trades have rhetoric in their corner, but opponents have data. Here’s what they’re all talking about. Read More.

Oct 31, 2020 Systemic risk is the risk that a company-level event could destabilize an entire industry. Think back to the financial crisis of 2008, when many companies deemed “too big to fail” did exactly that. To safeguard your investments for the next market adjustment, it helps to understand the factors that contribute to a downturn. Read on to learn more about systemic risk and how it can impact your future financial security. Read More.

Oct 29, 2020 As one of the most highly regarded compliance certifications, the Certified Regulatory and Compliance Professional (CRCP) designation helps professionals increase their skills as well as knowledge of industry regulations. Read on to discover the importance of the CRCP and how it influences the companies you may do business with. Read More.

Oct 28, 2020 Restricted stock has become a common offering among employers in the last twenty years. There are two main types: restricted stock awards (RSA) and restricted stock units (RSU). Both can be lucrative parts of a compensation package, but they have important differences that can affect your long-term financial interests. Read More.

Jan 14, 2020 An annuity is an insurance contract you can use to create an income stream. You can purchase an annuity to draw payments against in retirement as a supplement to tax-advantaged or taxable savings accounts. But what if you want to sell your annuity and get immediate cash? Here’s why selling your annuity is something you might consider. Read More.

Oct 25, 2020 Marketing professionals within the finance industry may escape licensing exams like the Series 7. However, the Certified Financial Marketing Professional (CFMP) designation from the American Banking Association (ABA) requires some testing of its own. A CFMP demonstrates expertise in bank marketing, and here’s how you get it and maintain it. Read More.

Oct 24, 2020 Leverage is a common financial concept you may often hear in reference to maximizing investor returns. Commonly used by investors and companies alike, leverage is a technique that utilizes debt instead of equity to buy an asset. The expectation is that the profit from the endeavor will exceed the risk and cost of taking on additional debt. However, applying leverage to your investment strategy comes with pros and cons. If you have further questions, meet with a financial advisor in your area. Read More.

Jan 15, 2020 Neighborly is an investment company that allows investors to invest in communities seeking funding for internet infrastructure. More specifically, it focuses on bringing fiber broadband access to disadvantaged communities in the U.S. by way of direct investments in its qualified opportunity fund (QOF). As of now, investments in this QOF are only open to accredited investors, though this may change down the road. If you have questions about investing in these and other unique asset classes, try consulting with a financial advisor. Read More.

Oct 22, 2020 If you’ve ever watched a financial news program or visited a website that covers the stock market, you might notice an endlessly cycling parade of numbers, symbols and abbreviations. These collectively make up a stock ticker, which provides snapshots of activity in the stock market. Knowing how to read and understand a stock ticker is crucial to following the movements of the market. Read More.

Oct 21, 2020 An endowment is comprised of money donated to a non-profit organization. This sum of money is typically placed in an endowment fund, which is then invested. The return from those investments are used to fund the organization’s operations or grow the endowment principal. Read More.

Oct 17, 2020 Some companies regularly pay their shareholders part of their profits in the form of dividends. These bonus earnings function as both a reward for investors and a way of generating confidence in a company’s stock. Investing in dividend-yielding equities for a little extra income and an upfront return on your investment might seem like a no-brainer. However, you should examine what types of stocks pay dividends and how these payments are taxed. Read More.

Oct 16, 2020 Investing can be a powerful way to grow your savings over time, but the downside is that you generally have to pay taxes on your investment gains. The more you pay in taxes, the less of your returns you get to keep. With the right strategy, however, it’s possible to minimize the amount of taxes you pay on your investments. Certain investments are not subject to taxation, and investments placed in certain tax advantaged retirement accounts will likewise be shielded from some taxes. As you build your portfolio, consider including these seven options for minimizing taxes. Read More.

Jan 14, 2020 If you have a diverse investment portfolio you’ve probably bought publicly traded stocks on the open market. But some investors operate in an alternate, well-funded investment universe. In the world of private equity, well-funded investment firms make big investments in private companies, often with the goal of taking over those companies and making them more profitable. Read More.

Jan 07, 2020 The Consumer Price Index (CPI) is an economic term you’ve probably heard before but may not know much about. Broadly speaking, the CPI measures the price of consumer goods and how they’re trending. It’s a tool for measuring how the economy as a whole is faring when it comes to inflation or deflation. When planning how you spend or save your money, the CPI can influence your decisions. Here’s how. Read More.

Oct 07, 2020 Net worth is often used as a measurement of individual, or household, wealth. This value can give you a holistic perspective of your financial situation. In fact, the average American net worth is $68,828, according to the U.S. Census Bureau’s 2020 study on wealth and asset ownership. But how is this figure calculated? And how do you calculate your own net worth? Below, we take a closer look at the factors that distinguish your net worth from your fellow Americans. Read More.

Oct 02, 2020 Investing in stocks, mutual funds and other securities inevitably comes with risk. One of the ways investors can better understand these risks is by reading the prospectus of a security. A prospectus is a legal document that describes a security to potential investors. Required by the SEC, a prospectus contains facts about the company or fund issuing the security, including details on its finances, management, history and other information that could help investors make an informed decision. The prospectus is a key tool in an investor’s toolbox, making it easier to understand whether or not you’re investing in a way that aligns with your goals and risk tolerance. Read More.

Sep 30, 2020 A subadvisor is an investment management firm that typically partners with a mutual fund investment advisor to help with the day-to-day management of the fund. They often provide specialized expertise in a specific type of investment strategy. This could include building an appropriate asset allocation, choosing securities or rebalancing the fund’s portfolio. If you want some help managing your investment portfolio, check out financial advisors in your area. Read More.

Jan 14, 2020 Buying on margin is a technique often reserved for intermediate and advanced investors through which someone borrows money from their broker in order to invest it. In the best-case scenario, buying stock on margin can increase your earnings significantly. On the other hand, you can be left in a world of hurt if the price of your investment drops. The world of margin investing is one of higher stakes, so it’s crucial to understand the concepts and associated risks before diving in. Read More.

Jan 15, 2020 Bonds are a type of debt security used by government entities and corporations to raise money. Every bond come with a face value, which is sometimes called a par value. This number indicates what the bond will be worth at maturity, and it’s also used to calculate the bond’s interest payments. It’s one of the key numbers you need to know about a bond in order to understand its value as an investment. If you have specific questions about investing in bonds, consider consulting with a financial advisor. Read More.

Sep 27, 2020 Market capitalization, often abbreviated as market cap, is a measure of a public company’s overall value as set by the market. Market cap can be used to compare companies. It is also a tool to help diversify a portfolio of investments and manage risk and return. The market cap of a given company is generally easy to find, though you can also calculate it yourself. Read More.

About Our Investing Expert

Have a question? Ask our Investing expert.

Barbara Friedberg

An author, teacher & investing expert with nearly two decades experience as an investment portfolio manager and chief financial officer for a real estate holding company.

Investment Calculator

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Total Interest

Our investment calculator tool shows how much the money you invest will grow over time. We use a fixed rate of return. To better personalize the results, you can make additional contributions beyond the initial balance. You choose how often you plan to contribute (weekly, bi-weekly, monthly, semi-annually and annually) in order to see how those contributions impact how much and how fast your money grows. When we make our calculations, we also factor in compounding interest, showing how the interest you earn can then earn interest of its own.

RATE OF RETURN: We assume that your rate of return compounds based on the frequency at which you contribute.

CONTRIBUTIONS: We assume that the contribution will occur at the end of the selected contribution period.

Barbara Friedberg Investing

Barbara Friedberg is an author, teacher and expert in personal finance, specifically investing. For nearly two decades she worked as an investment portfolio manager and chief financial officer for a real estate holding company. Barbara has a degree in Economics, a Masters in Counseling and an MBA in Finance. She is committed to investment and money education. The author of “Personal Finance: An Encyclopedia of Modern Money Management” and “How to Get Rich; Without Winning the Lottery,” Barbara has taught courses in corporate finance and investing at several universities. Her writing has been featured in U.S. News & World Report, Yahoo and Money. Barbara currently serves as SmartAsset’s investing expert.

More from SmartAsset

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Investment Calculator

Whether you’re considering getting started with investing or you’re already a seasoned investor, an investment calculator can help you figure out how to meet your goals. It can show you how your initial investment, frequency of contributions and risk tolerance can all affect how your money grows. We’ll walk you through the basics of investing, tell you about different risks and considerations and then turn you loose. Ready to put your money to work?

What Investing Does

Investing lets you take money you’re not spending and put it to work for you. Money you invest in stocks and bonds can help companies or governments grow, and in the meantime it will earn you compound interest. With time, compound interest takes modest savings and turns them into serious nest eggs – so long as you avoid some investing mistakes.

You don’t necessarily have to research individual companies and buy and sell stocks on your own to become an investor. In fact, research shows this approach is unlikely to earn you consistent returns. The average investor who doesn’t have a lot of time to devote to financial management can probably get away with a few low-fee index funds.

Risk and Returns

The closer you are to retirement, the more vulnerable you are to dips in your investment portfolio. So what’s an in investor to do? Conventional wisdom says older investors who are getting closer to retirement should reduce their exposure to risk by shifting some of their investments from stocks to bonds.

In investing, there’s generally a trade-off between risk and return. The investments with higher potential for return also have higher potential for risk. The safe-and-sound investments sometimes barely beat inflation, if they do at all. Finding the asset allocation balance that’s right for you will depend on your age and your risk tolerance.

Starting Balance

Say you have some money you’ve already saved up, you just got a bonus from work or you received money as a gift or inheritance. That sum could become your investing principal. Your principal, or starting balance, is your jumping-off point for the purposes of investing. Most brokerage firms that offer mutual funds and index funds require a starting balance of $1,000. You can buy individual equities and bonds with less than that, though.


Once you’ve invested that initial sum, you’ll likely want to keep adding to it. Extreme savers may want to make drastic cutbacks in their budgets so they can contribute as much as possible. Casual savers may decide on a lower amount to contribute. The amount you regularly add to your investments is called your contribution.

You can also choose how frequently you want to contribute. This is where things get interesting. Some people have their investments automatically deducted from their income. Depending on your pay schedule, that could mean monthly or biweekly contributions (if you get paid every other week). A lot of us, though, only manage to contribute to our investments once a year.

Rate of Return

When you’ve decided on your starting balance, contribution amount and contribution frequency, your putting your money in the hands of the market. So how do you know what rate of return you’ll earn? Well, the SmartAsset investment calculator default is 4%. This may seem low to you if you’ve read that the stock market averages much higher returns over the course of decades.

Let us explain. When we figure rates of return for our calculators, we’re assuming you’ll have an asset allocation that includes some stocks, some bonds and some cash. Those investments have varying rates of return, and experience ups and downs over time. It’s always better to use a conservative estimated rate of return so you don’t under-save.

Sure, you could count on a 10% rate of return if you want to feel great about your future financial security, but you likely won’t be getting an accurate picture of your investing potential. That, my friend, would lead to undersaving. Undersaving often leads to a future that’s financially insecure.

Years to Accumulate

The last factor to consider is your investment time frame. Consider the number of years you expect will elapse before you tap into your investments. The longer you have to invest, the more time you have to take advantage of the power of compound interest. That’s why it’s so important to start investing at the beginning of your career, rather than waiting until you’re older. You may think of investing as something only old, rich people do, but it’s not. Remember that most mutual funds have a minimum initial investment of just $1,000?

Bottom Line

It’s a good idea not to wait to start putting your money to work for you. And remember that your investment performance will be better when you choose low-fee investments. You don’t want to be giving up an unreasonable chunk of money to fund managers when that money could be growing for you. Sure, investing has risks, but not investing is riskier for anyone who wants to accrue retirement savings and beat inflation.

SmartAsset’s interactive investing map highlights the places across the country that have the most incoming investments. Zoom between states and the national map to see the places in the country with the highest investment activity.

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Rank County Business Growth GDP Growth ($ in millions) New Building Permits (per 1,000 homes) Federal Funding (per capita)

Methodology There are several ways individuals, governments and businesses can invest money in a county or region. Our study aims to capture the places across the country that are receiving the most incoming investments in business, real estate, government and the local economy as a whole. To do this we looked at four factors: business establishment growth, GDP growth, new building permits and federal funding.

We looked at the change in the number of businesses established in each location over a 3-year period. This shows whether or not people are starting new business ventures in the county.

The second factor we looked at was the GDP growth. We used real growth (inflation adjusted) in the local economy.

We also looked at investment and development in the local residential real estate market. To measure this real estate growth, we calculated the number of new building permits per 1,000 homes.

The final factor we considered was federal funding received by each county. We found federal funding in the form of contracts awarded to businesses in each county, which we divided by the population. This gave us a per capita look at the flow of investment from the federal to the local level.

We scored every county in our study on these four factors. We then combined those scores to create a final ranking of cities. With that ranking, we created an index where the county with the most incoming investments was assigned a value of 100 and the county with the least investment activity received a zero.

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