Points about investing people in their 20s should learn about

 

Are you a young adult who’s currently broke and have negative thoughts haunting you? Don’t worry; you’re not alone in that battle. Many people experienced being poor in their 20s; but according to them, there’s fun hidden in that misery. Just let positivity flow in your veins. Let’s put it this way: At 21, there’s a higher possibility that your friends are also poor, right? Why not invite them to go to free places like your dorms or the beach with a case of beer? It’ll be more fun (and affordable) than staying in your room and hating the world for not having enough money.

A lot of people could definitely relate in the above scenario; and you can be one of them. Your life after graduating college may not be about rainbows-after-the-rain and endless possibilities; it can be about living paycheck-to-paycheck, dreadful student loans, and no decent-paying job in sight. When you find a career where you’re making decent money, you can be one of the people who feel like they’re seeing none of it.

Financial literacy has nothing to do with finding a job or a college degree. When it comes to people dealing with money, you’ve probably seen two kinds: people who make less than you do but were able to put away more, and people who make much more than you do but still have nothing at the end of the day.

You never want to work the next years of your life with nothing to show for it, right? So start going out of your comfort zone and learn aggressively; and begin investing moderately. Your 30-year-old self will thank you if you start taking actions now for the benefit of your future. Oakmere Advisors based in Singapore and Tokyo is going to share some pointers with you, so you better read it and start imagining what your future will look like.

Point 1: You should invest

You want your future to be in your hands, right? That’s why you need to invest. Perhaps, you envy the generation of your parents or grandparents wherein a person can retire and live off his pension by having only one or two jobs in his lifetime. But now, everything has changed. It’s not enough to simply save money. In this generation, you’ll probably hop around jobs at least six times in your lifetime, which means your retirement is in your own hands.

Point 2: Before investing, be determined to learn more

In particular, you should learn aggressively and invest moderately. Learning about your options and the details will help you when you’re prepared to put your dollar in since a lot of people in their 20s get started with hardly any assets. Dealing with taxes is the most crucial area that affects every investment no matter what you choose to invest in. Never avoid it; but instead, accept it and learn, because it’ll be the difference between gaining the rewards of your investments and watching your hard work gone in seconds.

Point 3: There are different forms in investing

Just to be clear, this is not related to the distinction between commodities, currencies, stocks, and real estate.

Taking actions such as saving money, paying down debt, and reducing your spending can all lead to a better life. You should create a thorough plan to put yourself in the best position when the right investment comes. Before making an investment in your future, make sure that the foundation is set.

Point 4: It’s better to put ego aside in investing

The following is based on a recent research found by Oakmere Advisors, which tells the difference between men and women in investing and how it affects their success.

There’s a great possibility of people overestimating their own skills and predictions for success. Men are more overconfident than women, making women more rational investors. You know what drive investors to trade? Research says they’re ego, emotion, and greed. And you’ll highly destroy value the more you trade. Men often believe that returns are more highly predictable and rely less on their brokers. They also expect higher possible returns than women. Many financial advisors say it’s generally simpler to influence a man, to play in his insecurity, ego, and overconfidence. What is the most profitable strategy? Be rational and don’t let your ego run into you. Rational investors are likely to increase their expected utility by only trading and only purchasing information while overconfident investors lower their expected utility by trading too much and they hold unlikely beliefs about how high their returns will be and how exactly these can be estimated. In addition, they expend too many resources on investment information.

Point 5: Focus on your actions

Some things are needed to be done before putting your money into an investment vehicle, such as increasing your income, managing your income and debt, saving money, and reducing spending habits. Make sure you’re focusing your efforts in the right places. Everything means nothing if you’re paying a much greater percent interest rate on your credit card than the percent you make each year on a stock.

Point 6: Put different ideas into place

You shouldn’t only rely on your experience when it comes to investing. You should also consider talking and learning from other people’s experiences. You need to choose experiences from different people and see how they work for you. Adapt those experiences into you and your situation. Be open to trying different things.

Point 7: Before putting any money in, have a plan

The most important part in investing is planning. It’s probably easy to make one good investment; however, it requires planning to turn that good investment into another, and another, and another. If you’re not ready for the word “retirement”, begin with small steps, like buying a cheap home or having a few thousand dollars in your savings account. Then proceed to bigger goals.

Point 8: Don’t over-complicate investing

Use your daily behaviors to reduce all the complicated terms and numbers to its simple essentials. If you’re used to buying a $5 coffee in the morning, then you should be prepared to leave that habit. Save that $5 a day and it will surely add up. Try it for a month and you’ll have a hundred dollar or more in your pocket.

Point 9: Timing can beat location every time

“Location is everything” according to an old saying about real estate. It can be partly true; but oftentimes, timing is more important than anything. All forms of investing should have the right timing. Putting money in a fantastic property or stock at the wrong time in the market could be all for nothing. You should put money in an average property or stock at the right time.

Point 10: Don’t risk it all

There’ll be many people who will surely disagree with this point; but as a person in your 20s, you’re too young to lose everything. Oakmere Advisors wants to share an interesting thought of a certain individual who compared investing with baseball. He said that you don’t need to hit home runs to win. Some people will sit there and swing for the fences each time they’re at bat. It’s possible that they’ll get lucky and hit a homer; but they’ll also strike out a lot. All you have to do are a few solid plays and before you know it, you’ve scored a couple of runs and won the game.

8 easy ways on how people in their 20s could better handle their finances

Many of twentysomethings find it hard to handle their finances, especially those who recently graduated from college. Oakmere Advisors finds it important that each individual should learn how to properly budget their money in order to avoid any problems when paying their loans and credit card bills.

After conducting thorough reviews about the matter, Oakmere Advisors found out that most of the young individuals today views money as a major source of stress. But the good thing is that twentysomethings are more responsible with their money than the Generation X nowadays.

There’s a word that could sum up your 20s: INDEPENDENCE. It’s a stage in your life where you have to further develop yourself and your capabilities. It is where you should learn how to make money because you must practice paying your own bills and manage cash flows. However, you might end up having terrible problems if you don’t have a proper financial education.

If you are one of those individuals that are on the verge of massive stress because of their finances, you don’t have to worry anymore because Oakmere Advisors will certainly help you to handle your finances easily and effortlessly with the following helpful tips.

The very first tip that Oakmere Advisors wants you to consider is to use your 401(k) if you have some. Young people don’t have sensible goals when it comes to their retirement these days.  Most of them think that they will only spend less than $30,000 a year in their old age. Remember that pensions are getting rarer and Social Security payments are getting smaller, so you should give more considerations about your retirement starting today. Oakmere Advisors suggests that you should save at least 4 percent of your pretax income or 18 percent if you make more money in order to get about 85 percent of your working income when you retire. The specific amount that you should save depends on your income and the lifestyle that you’re used to now.

If your employer offers a 401(k) match program, you should contribute at least enough to meet the match threshold. If you don’t have a 401(k), you could open a Roth IRA or a myRA account. Do your best to save as much as you can. The contributions for both accounts are usually automatically deducted from your paycheck, so it’s easy to set it and forget it.

Oakmere Advisors second important tip is that you should save even more! Most young individuals are too busy thinking about today that they tend to forget about tomorrow, and saving money becomes an afterthought. You need to have an emergency savings of at least 3-6 months of your expenses. Put it in either a checking or a savings account so that you could easily withdraw it if you need to. You should also start saving for your retirement because you could end up $500,000 richer by the time you retire.

Third tip is to monitor your spending. Reviews made by Oakmere Advisors say that mobile apps are actually helpful when it comes to your finances because they could aid you in assessing your spending and start saving. They could also help you put your finances in writing and even send you alerts if your purchases are bigger than usual.

“Take into account the costs of grad school”, Oakmere Advisors says in its fourth tip. It is important to track your budget before enrolling. Run the numbers, and see if a two-year program could be just as good as a four-year one, or if you should save money for a couple of years before returning to school.

Are you used to rent a new car? Buy a used car instead, according to the Oakmere Advisors fifth tip. It makes more sense to buy a cheaper used car because your monthly payment is just the same as leasing a car. If you buy a car, you could sell it to acquire a little money if you’re planning to move to other place, but if you just lease it, you’ve basically thrown the money away. Buy a used version of your dream ride, even if it’s only a few years old because you’ll save a lot of money.

Start developing credit, this sixth tip might be a big NO to others, but Oakmere Advisors also sees it as a good thing. You should get one now to boost your credit history. If you suddenly want a mortgage or a car loan, credit cards might come handy because both require a good credit score. If you don’t qualify for a credit card, try a secured credit card that could help you boost credit if you put down a security deposit first. Just make sure to set up an automatic payment with your credit card to pay off the balance in full each month.

Seventh tip is to invest in the stock market. Keep your money in a savings or checking account if you need it over the next two years, but if you won’t need it for the next two to five years, invest in bonds. And if you don’t need it for more than five years, invest in stocks, regardless how small the amount. But don’t jump into the stock market unless you’re already putting enough money into your 401(k).

And Oakmere Advisors last tip goes like this: make the most of your taxes! We all know that taxes are really, really complicated, but if you get a handle on your deductions now, it could be easier for later. Sign up for a Health Savings Account (HSA) once your employer offers it. Your salary could be considered slightly lower income tax time, which could save you money because this account lets you contribute pre-tax dollars. Then, the money increases in your account (also tax free), and you could withdraw that money tax-free. A Flexible Spending Account (FSA) does similar things, but with restrictions, such as spending limits and no rollover from year to year. You are also eligible for tax deductions if you're in school, paying off student loans, own a home, or fall below a certain income threshold. The IRS has a comprehensive list of tax deductions on its website, and you should take the time to look it over before crunch time in April.

Learn How to Invest in Stocks

 

A friend recently said that she got an old laptop from her son in order to go into stock investing. So, she is not only beginning to learn how to use a laptop, as well as a tablet, but also how to invest in stocks. At way past, 65 years, it is never too late.

Investing in stocks overtakes other instruments, such as treasury bills, cash or gold in the long run. Within a short period, however, other assets may outperform stocks, but, in general, stocks have outperformed other instruments hands down.   

How do you invest in stocks? There are several ways: individual stocks, index funds, mutual funds, ETFs, domestic, foreign. Which should one choose? Here, as a beginner-investor, you will gain insight into how you can make your money grow through stock investing. But before we start, kindly answer this first question.

Ask this important question

Which are you: a risk-taker, risk-hater or in between? Do you grab at any chance to make a big gain or do you take time to make a sure profit? Is a 10% drop in a single stock in a day or a 30% drop over a couple of weeks enough reason to unload in a hurry?

Answering this vital question might determine whether you enjoy taking risks or would rather avoid it. If the latter applies, you might have a better time dealing with mutual funds or index funds since they are well diversified and contain many different stocks which have reduced risks and require no research into an individual stock.

Do you have the time and aptitude to invest?

Depending on how much time you have, you may choose between investing in funds or stocks.

The choice depends on the time you want to spend on this endeavor. Proper selection of mutual or index funds will allow you to invest money and letting the fund manager do the difficult job of selecting stocks for you. Even simpler are index funds since they vary depending on the class of industry, firm or market they are meant to monitor.

Investing in individual stocks, on the other hand, consumes a lot of your time since it involves making evaluations about management, incomes and potential growth. You now endeavor, as an investor, to make a distinction between revenue-making stocks and financial failure. Educate yourself about what they can do financially, how they can create wealth for you, the potential risks, prospects for your future and many others.

Hence, determine your comfortable extent of involvement in terms of time for this venture. Will you devote two or more hours a week evaluating various firms, or are you already too busy to put in the time? Like any other skill, investing in individual stocks requires ample time to nurture.

A single basket of eggs

Preferably, do not limit yourself to just one asset. As an example, do not invest only in small biotech firms. Although the prospects of gaining can be bright, certain actions -- particularly by the Food and Drug Administration rejecting many applications for new drugs – can affect your investments, if not totally wipe them out.

Diversifying over a wide choice of various sectors, for instance, real estate (a real estate investment trust is a good prospect), insurance, consumer goods, commodities, etc., instead of only a few of these candidates will favor your potential success. Think of choosing several asset types along with putting some money in cash and bonds, as opposed to investing fully in stocks. Decide how you want to spread your investment across these sectors and classes as long as you do it as broadly as possible to minimize losing everything all at once.

A Beginner’s Portfolio

As a beginner, consider investing a big bulk of your money in two or more index funds, those which track the broad market (such as the S&P 500) and another one which provides some global exposure. Also add one that tracks small companies (such as the Russell 2000) to boost your portfolio.

Such a portfolio consisting of those three would provide sufficient variety, the more stable performance of big firms and the dynamic qualities of both global companies and small caps.

A Portfolio with Individual Stocks

Individual stocks can offer plenty of diversification if you build a portfolio of 12 to 20 good choices, just the right number you can comfortably monitor on a regular basis. Nevertheless, make sure you completely decipher every company concerned, from its operations to its various risk sources. If you intend to engage only in stocks, spread your money over various sectors, for instance, technology, health care, big as well as small cap.

If time is a big concern for you or have no intention of choosing so many stocks to monitor, think of selecting a combination of individual stocks and index funds. In addition, particularly if you begin with minimal funds, investing in 12 to 20 stocks may be undoable. Thus, investing a big share of your money in funds would offer more stable returns often generated by such funds. Augmenting maybe five or six individual stocks more could spice up your portfolio.

Time to Invest

Once you have determined the contents of your portfolio, it is time to invest. Find a broker you are comfortable with, whether online or through a local office or both. Call and talk with this person, if necessary. Then do the necessary documents, deposit some money and open an account.

Once you have decided which to invest in, enter slowly that is, do not buy everything at one time. The danger lies in the dire possibility of a market downturn and you invest all your money at once. Such a turn of events could be disastrous for you, financially and psychologically. Spread all your investment funds over several months to reduce any diverse market risks. Finally, remember to set aside time each week to review or catch up on the news for your investments.

Continue Adding

As time goes on and you gain confidence through experience, your asset distribution habits will certainly improve. You can then amend your portfolio regularly, yearly or so, by disposing of some stocks in one class of investment and investing more in another class. Eventually, you can shift your portfolio by adding more funds to those sectors where you desire more exposure.

These increased funds can be utilized to increase the number of stocks you hold or can be augmented to your present holdings. Once you practice this regularly, you could have a sizeable portfolio that can support your retirement well, finance a new dream house or satisfy other needs you may have which led you to invest in the first place.

The Bottom Line

The first step in deciding to invest in the stock market is to consider what you wish to achieve and how to attain your goals while remaining within the limits of your risk capability. Evaluate the amount of time you can send in investing. Do this even before you let go of a single dollar and you will never have to falter along the way through moments of indecisiveness. Possessing prudence and knowledge before and after you begin your investing career will go a long way than merely chasing the latest hot stock. Remember, your money matters to you and you have a say as to what you want to get out of it and why.

Investing in property

Property – alongside cash, bonds and shares – is one of the four most common types of investments. Property investment takes many forms, from pooled funds to buying a house to live in or let out. This guide covers your potential risks and rewards and where you can go to learn more.

• What can property offer investors?
• Risks of property investing
• Buying property directly – what to watch out for
• Indirect property investing through a fund
• Before investing in property
• What can property offer investors?

With property, there are two main potential ways to make a return:

• Rent – you can earn an income by letting out property to tenants.
• Selling for a profit – if you buy property and later sell it at a higher price.

Even if you don’t want to buy a property yourself, you can get these potential benefits indirectly by investing in a property fund that invests directly in property.

There are also other related ways to invest, for example through property maintenance and management services.

Risks of property investing

Property prices and demand for rentals can – and does – go up and down. That’s why direct and indirect property investments are for the long term. If you’re willing to wait, you can ride out the losses in a slow housing market and earn profits again when times are better.

If you’re over-invested in property – for example, if most of your money is tied up in a buy-to-let property – you may end up in trouble when housing markets slow. To avoid this, you should diversify your portfolio by holding different kinds of investments.

Buying property directly – what to watch out for

There are several risks when you buy property directly, whether for yourself or as a buy-to-let investment.

1. You can’t get your money out quickly – unlike shares or bonds, it takes a long time to sell property.
2. It’s a big commitment – when you buy a property, you’re putting a lot of eggs in a single basket.
3. There are buying and selling costs – with estate agent and surveyor fees, stamp duty, land tax, solicitors’ and conveyancing fees to consider. From 1 April 2016, you’ll have to pay an extra 3% on top of each Stamp Duty band when you buy an additional home or a residential buy-to-let property.
4. It’s demanding – doing maintenance work and managing property takes time and money. You may need to extend the lease – if you don’t own the freehold outright. This is another cost and can take some time to negotiate.

If you use a mortgage or a loan to buy property, there are additional risks:

1. There’s no guarantee you’ll earn enough rent to cover loan repayments.
2. The cost of the mortgage might rise.
3. If you don’t keep up with repayments, the bank or building society can take back the property.

Indirect property investing through a fund

With a pooled (or collective) property fund, a professional manager collects money from many investors, and then invests the money directly in property or in property shares. Fund managers charge a fee for this service, which will affect your earnings.

These are all common examples of property funds:

• Real estate investment trusts (REITs)
• Shares in listed property companies
• Property investment trusts
• Insurance company property funds
• Property unit trusts
• Offshore property companies

Before investing in property

Before you make any decision about investing in property you should find out as much as you can. You can research the potential pros and cons on your own, or take advice. You’ll also want to look at whether a different type of investment might better suit your goals. These guides will get you started:

• Buy-to-let property investments
• Indirect property investments
• Diversifying – the smart way to save and invest

Investing a lump sum

Many people get a lump sum at some point in life – perhaps you’ve inherited a windfall, sold your home or have a tax-free sum from your pension. So how can you put it to good use?

Step 1 – Put your money in a savings account

Find a safe, accessible account where the money can earn interest while you do more research.

• Make sure it’s easy access– you don’t know when you will want to move the money into longer term-investments.
• If you have more than £75,000, split it between different banking groups – up to £75,000 per person in any one authorized firm is safe even if the firm collapses. This compensation limit applies per authorized firm, not by brand. Some banking brands are actually part of a single authorized firm. Check if any of your banks are part of the same authorized firm and make sure your combined balances don’t go over £75,000. Check bank brands on the FCA website.

Comparison websites are a good starting point for anyone trying to find a savings account tailored to their needs.

We recommend the following websites for comparing savings accounts:

• Money Saving Expert
• Money Supermarket
• Which?

Remember:

• Comparison websites won’t all give you the same results, so make sure you use more than one site before making a decision.
• It is also important to do some research into the type of product and features you need before making a purchase or changing supplier.
• Find out more in our guide to comparison sites.

Find out about compensation if your bank or building society goes bust.

Step 2 – Do a money fact find

Complete our money fact find to help you pin down what you need from your investments. Sit down, fill it out, and get ready to make a plan.

Savings and investments have to be matched to your needs and goals. Our money facts find questionnaire helps you pin down things like:

• How your finances stand
• The things you hope to achieve
• What might be coming down the track in your life
• How you feel about money and risk

It gives you (and any professional adviser you use) the right information to assess and choose suitable, affordable and sustainable investments.

Step 3 – Make your investment plan

After completing the money fact find you can pinpoint the investments that suit your needs and plan out how to use your money. This is your savings and investments plan.

Oakmere Advisors in Tokyo, Japan, Singapore on Privacy Policy

When you do business with Oakmere Advisors you may need to provide us information about yourself or your financial status. Our company will keep your personal information in complete confidentiality to safeguard your privacy. The Company needs your information about the following:

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Whatever information you provide us, including your business specifics, will be kept in complete confidentiality. The only people who have access to your information will be duly authorized staff members of our firm. We do not trade or give out your information to other individuals or companies without your approval, except when the law requires it or we deem it, in good faith, beneficial to your interests. The Company procedures and systems are designed to protect your information from error, loss and unauthorized access.

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The Company firm uses these cookies to determine the level of activity on our website and to conduct updates and improvements. Most browsers, at the start, accept cookies as a rule. However, you can opt to let your browser deny cookies or to let you know when it transmits cookies. Some portions of the website, in some cases, may not function as they ought to. You may decide to allow or deny these cookies as you please. Be that as it may, we request for your direct or implied permission before obtaining or using information about you, or giving out such data to others. (Unless, of course, when the law demands it, or it is necessary for your protection.) You may withdraw this permission or consent any time you wish, unless legal limitations prevent you from doing so. You may also choose to accept direct marketing. The Company may notify you about The Oakmere Advisors services and products through the phone, direct mail, or other media. If you should choose not to receive such information, please go through the following steps.

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