#InvestmentAdvising

[crescentbitcapital]

Crescent Bit Capital formed in 2016, is a diversified investment management firm that specializes in helping my clients find ways to mitigate downside risk and strive for portfolio return objectives.

crescentbitcapital.com

[mirrorreview]

Although financial literacy has been a topic of debate for a while, the number of people investing their money in different forms has increased by multiple folds in recent times. However, making an investment and ensuring to get maximum returns out of it is not as easy as meets the eye. Various factors like good research, trusted partners, emotional intelligence, etc. contribute to a successful investment

[proactiveadvisors-blog]

Welcome to ProActive Advisors, a Registered Investment Advisory firm headquartered in Lexington, KY. Our services include financial planning, investment management, retirement planning, financial consulting, and more. When you work with ProActive Advisors, you receive a holistic review and we quarterback your financial matters with your other accounting, tax, and legal advisors all for an affordable, annual fee. The result is peace of mind and a greater assurance you'll meet your important financial goals.

Our mission is to help you earn the rewards of investing. To do that, ProActive Advisors focuses on compounding what you save.

ProActive Advisors manages money primarily for individuals, families, small business owners and private trusts. Most clients grant us discretion to make their buy & sell decisions understanding we don’t receive trade commissions.

Our team is uniquely qualified in managing financial challenges. Our experience gives us a deep knowledge-base to draw upon and our proprietary 360Portfolios investment process gives you an extraordinary edge not enjoyed by most of our competitors.

It all begins with having a conversation to look at where you are today and where you want to be. We listen, ask questions, and identify the relevant factors about your circumstances to devise an opportune solution. Our focus is on you and your family's financial goals. We work as Principals with loyalty to you, not as Agents selling you investments. And there's no "me too," own-a-little-bit-of-everything approach. Our approach is an analytic, probabilistic process seeking to find the best reward-for-risk opportunities while fine-tuning account risk exposures with the business cycle.

We use the tagline: "Who's Watching your Money?" We say that because many other firms put your account on auto-pilot routines without adequate risk controls. So, if you’re interest

https://www.lexingtonfinancialplanning.com

[billionaire-mentor]

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[yohanwibisono-blog]

Arsitek Ganteng #InvestmentStab #investmentstrategie #investmentstrategies #InvestmentStrategist #InvestmentStrategy #investmenttucson #investmentvisa #investmentadviser #investmentandbanking #investmentAustin #investmentbag #investmentbags #investmentblog #investmentbooks #InvestmentBrokers #investmentcampany #Investmentcapital #investmentcases #investmentcoach #investmentconference #investmentconsultant #investmentcyberjaya #investmentdoha #investmentdressing #InvestmentEducation #InvestmentForum #InvestmentFundAccountant #investmentgemstones #investmentgrade #investmentgradepipes https://www.instagram.com/p/B-mU83_BH1U/?igshid=1eqkgzkys2h56

[smccomexinternational-blog]

Enjoy quality time with your family and loved ones. We manage, monitor your investment and make it grow. We assist to achieve your set-goals without compromising the quality time with your family. At SMC Comex, we guide you and help you to make informed decisions on online trading. Start investing NOW at www.smccomex.com/trading

[imma2cute]

People under 30 Why bother with health insurance? If you’re young and healthy, you may think you don't need health insurance. Or that it's too expensive. Or not worth the trouble. A few things to think about: Protection and quality care when bad things happen Nobody plans to get sick or hurt, but bad things happen — even to healthy people. A broken leg can cost $7,500 to treat. Three days in the hospital can cost $30,000. That’s a lot of money to come up with out of your own pocket. Having that kind of medical debt can really limit your options. If you're paying for every medical service yourself, you may make some health care decisions based on money instead of what's best for your health. Are you looking for the best price quote for health insurance or any other insurance? Send me a DM or chat me up on WhatsApp +2348091421562 #custodian #regrann #custodianinsurance #health #healthinsurance #travel #travelinsurance #pension #retirement #investment #insurance #annuity #pfa #savings #lifeinsurance #insuranceagent #investmentadviser (at Lagos, Nigeria) https://www.instagram.com/p/Bs_XLKIhP7i/?utm_source=ig_tumblr_share&igshid=12m35c9c0vver

[personalfn-blog]

Why Robo Advisers Need To Put Your Interest First

Man versus Machine

What do you prefer?

Your answer might depend on the nature of work and anticipated action.

To chop a plank into 100 identical pieces, you might use machines.

But to share your worries, you would prefer to chat with a friend rather than a chatbot, right?

With developments in Artificial Intelligence taking over several industries, including banking, many of us are worried about the “so-called” encroachment of machines in human life.

Humans are perceived to be better than machines where cognitive response is expected.

But to drive in quick results as required and with needed precision, technology has proved to be an enabler. And when both human intervention and technology co-exists, it can do wonders.

Many engineering marvels seen across the world are an outcome of humans and machines working together. In the world of financial engineering and investing, too, today machines (backed by human intellect) are playing the role of an investment adviser.

Yes, you guessed it right; we are talking about robo-investing or robo-advisory platforms.

[Read here: All You Need To Know About Robo-Investing]

Many investors complain that human investment advisers often fail to pay us personal attention. For whatever reasons, human investment advisers take a longer time to respond to queries. And some even make blunders while advising, putting their interest instead of the investor’s at fore.

On the contrary, a robo-adviser backed by human intellect to select best mutual funds for your investment portfolio based on your risk profile, needs, financial goals, and investment time horizon, can do a better job. It is free of human errors and turnaround time to provide you pointed recommendations is far quicker.

But such fantastic robo advisers, too, have critics.

The general tone of resistance is: Personal finance and investing is such a crucial topic, that can’t be ‘outsourced’ to machines. I need someone responsible for handling my investment portfolio. One who can understand my expectations, worries and limitations as well.

But our question: Didn’t you express your unhappiness about human investment advisers as well?

A Robo-adviser is simply a financial adviser who provides automated investment solutions online. A robo-adviser crafts a portfolio and/or engage in financial planning sans human intervention. By determining your risk profile, your asset allocation is charted out and investment recommendations are provided.

[Read:  How a Smart Robo-Adviser can Help You Chart Your Asset Allocation]

Unlike human investment advisers, you do not need to fix an appointment. You can use the services of a robo-advisory platform anytime and from anywhere.

You just need to signup, log in to your account, submit the necessary information for risk profiling, and recommendations based on a suitable asset allocation will appear on your screen within a few seconds.

It is for this convenience that robo-advisory platforms are attracting investors across all age groups today. With robo- advisory, your mode of investing can shift from signing and submitting paper forms to merely entering a transaction password.

Moreover, robo-advisory platforms are devoid of behavioural bias and help you track your investment portfolio efficiently and generate automated rebalancing signals for you.

How dependable are Robo-advisory platforms?

Robo-advisory platforms have made sensational debuts and there are many today. But how many of these are rendering valuable advice and added sense in investing, is the core question.

So, here are few questions you must seek answers to:

(Image source: publicdomainpictures.net)

Who are the people (founders/promoters) behind the robo-advisory platform and what's their experience in the field of personal finance -- their investment ideologies?

What are the services they offer –– whether only mutual fund related or a full-line, viz. financial planning and investment planning among others?

What is the technical competence of the team?

What are the processes and systems the robo-advisory platform follows to recommend mutual fund schemes?

What are the qualitative parameters used, if any?

Are they unbiased and independent, or working for commissions?

How transparent are they while charging you?

What is their track record?

Remember, a robo-advisory platform should put your interest at the fore. After all, you want effective recommendations and efficient service and not just a stylishly designed robo-advisory platform.

In addition, consider this:

Without any doubt, a robo-advisory platform makes your life easy, but that does not mean they will be transparent and more competent than human investment advisers.

Don't forget, machines have no cognitive abilities. It's the human being who feeds them. And the quality of the output depends on the quality of inputs.

Therefore, it is important to judge if a robo-advisory platform offers research-backed recommendations. After all, it is the question of your hard-earned money.

[Read:  How To Judge If A Robo-Advisory Platform Is Competent To Offer Sound Advice]  

Note that the boom in robo-advisory is attracting many fin-tech startups and mutual fund distributors’ too are launch their robo-investing platforms. But, as a prudent investor, you ought to judge who is really working in your interest.

Apart from research-backed recommendations, if a robo-advisory platform is really looking at your interest first, it should offer only Direct Plan to invest in mutual funds and not Regular Plan.

[Read: Everything You Need To Know About Direct Plan of Mutual Funds]

‘Direct Plans’ facilitate you to invest directly in a mutual fund scheme without routing the transaction via a mutual fund distributor, and is open for all categories of investors. A distinguishing feature about Direct Plan is the lower expense ratio (compared to a Regular Plan).

Hence, the NAV of a Direct Plan is higher than a Regular Plan. And do note that the portfolio is the same for a Direct Plan and for a Regular Plan of a mutual fund scheme.

Some of the benefits of opting for Direct Plans are:

You avoid the rampant mis-selling that goes on in the greed to earn more commissions.

The cost of investing in a Direct Plan is inexpensive owing to the lower expense ratio.

The lower expense ratio facilitates you to earn extra returns over the long run (see chart below).

[Read: How Even 1% Difference In Expense Ratio Can Make A Huge Difference To Your Investments]

Hence, if you wish to reap the sweet fruits of healthier returns with power of compounding, Direct Plans are for you. Both lump sum and SIP (Systematic Investment Plan) investments can be done in a Direct Plan of mutual fund schemes.

Honestly, every investor should opt for a Direct Plan to invest in mutual funds. They are best suited in the journey of wealth creation.

[Read: How To Create A Portfolio Of The Best Mutual Funds With Robo-Investing]

A robo-advisory platforms that offers Direct Plans to invest in mutual funds, work on a fee-based model The recommendations provided are uninfluenced by commisions and, hence, are unbiased; they put your interest at fore.

Finally, PersonalFN’s Ultra-Reliable Robo-Adviser, ‘PersonalFN Direct’, which offers only Direct Plans, is here…

It is backed by PersonalFN’s honest & unbiased research that has outperformed the S&P BSE-200 index in last 15 years by over 80 percent!

We are launching PersonalFN Direct, our highly awaited Robo Adviser, on the July 02, 2018.

You can sign up right away as a Founding Member of PersonalFN Direct and get over 80% discount on the first year subscription fee.

Also, if you take us up on this Founder Member offer right now, we have a special surprise for you.

Click Here to Know The Surprise.

Note that this offer is available till the 14th June or 1,000 sign ups, whichever is earlier. So, hurry and sign up right away!

5 Reasons to opt for PersonalFN Direct:

Reason #1: It offers only DIRECT PLANS

Reason #2: Offers customizable investment solutions based on your risk profiling

Reason #3:It brings outstanding research experience of over 15 years.

Reason #4: Minimal paperwork and ease of transacting

Reason #5:It comes at a pocket-friendly price

PersonalFN has consciously tried to keep the whole process simple.  You just got to follow these simple steps:

✔ Complete the registration

✔ Submit the necessary documents to activate your investment account

✔ Assess your risk profile

✔ Get a recommended portfolio based on your inputs

✔ Invest with a single click

And if this isn’t simple enough, be rest assured that our dedicated representatives will handhold you through the process.

Your long wait for one of the best robo advisory platform will end soon.

So, seize this great opportunity to take your financial journey on a whole new level. Embrace the new financial technology in your life and start investing in an efficient manner.

Happy Investing!

Author: PersonalFN Content & Research Team This post on " Why Robo Advisers Need To Put Your Interest First " appeared first on "PersonalFN"

[coolvinma]

5 Wise Investments for Women

5 Wise Investments for Women

I have written about the importance of Savings a lot on the blog. You never know when a rainy day comes along. When it does, you gotta be ready to face it. Specially a pandemic like COVID 19can really put a halt to our financial plans and life in general. Unpredictability and uncertainty  seems to be looming in every corner and it isn’t a good feeling if you do not have a back up plan set up. …

[rossradev]

RT IBMFinTech "RT PromontoryFG: The #SEC has ordered 79 #investmentadvisers to pay $125M to investors under its #shareclass initiative. In our latest Currents, we discuss the implications: https://t.co/bQcUlGTGbX IBMFintech https://t.co/DdMQcdjpMg"

RT IBMFinTech "RT PromontoryFG: The #SEC has ordered 79 #investmentadvisers to pay $125M to investors under its #shareclass initiative. In our latest Currents, we discuss the implications: https://t.co/bQcUlGTGbX IBMFintech pic.twitter.com/DdMQcdjpMg"

— Ross Radev (@Ross_Radev) March 18, 2019

from Twitter https://twitter.com/Ross_Radev

[proactiveadvisors-blog]

Investment Management

You invest to have more than you save and you need to grow your savings as fast as you can. ProActive Advisors provides greater assurance your family will achieve its important financial goals by managing portfolios designed to steadily compound using our proprietary 360Portfolios discipline.

If you have concerns about the rate of your financial progress and want to see if improvements are possible, please get in touch. We've repaired many people's investment plans putting them on a more successful path!

https://www.lexingtonfinancialplanning.com

[proactiveadvisors-blog]

Financial Planning

Your financial success is dependent on sound advice and good decisions. It requires crafting an opportune plan based upon the relevant factors that will impact your financial life. ProActive Advisors not only provides financial planning, we "quarterback" your investment details acting as a liaison with your other accounting, legal, and tax advisors. The result is greater assurance you'll meet your important financial goals. Plan well and live well. Get in touch today by calling the number above!

https://www.lexingtonfinancialplanning.com

[proactiveadvisors-blog]

Retirement Consultant

Successful retirement planning begins with a personalized investment plan that will provide ample, future income. The first step is to take inventory of your personal resources and financial circumstances. Next potential risk and opportunities are identified. And finally, a sound plan of action is implemented, managed and monitored.

Whether you're 20 or 30 years away from retirement or ready to retire now, ProActive Advisors is here to help you map out how best to save, invest, and spend. Call us to get help and answers on how to build a dependable income stream to cover your current expenses and those discretionary ones that make life enjoyable.

https://www.lexingtonfinancialplanning.com