The Drawbacks of Lifestyle Funds or ETFS

By Raymond Dominick

Lifestyle funds or ETFs offer advantages for many people, but they also can have unwanted repercussions or even leave you short of money in your retirement.
The concept of letting a manger handle your retirement account and allocate your investments based on your age sounds like a terrific idea... kind of like a one-stop, one-item market that fits all your needs. But does it?
The concept behind Lifestyle funds is simple: diversify your money into different stocks so your risk is spread out and then allocate it further based upon growth, stability and income producing stocks or bonds.
In this manner a young person would see his money going primarily into stocks or ETFs with substantial growth potential and a minor amount into income producing bonds.
A middle age investor investing in a Lifestyle fund would have his money spread out between growth, dividend producing stocks and bonds on an almost equal level.
A retiree would have her money primarily in bonds or other very secure stocks with high dividends levels so her balance remains stable while producing some, not a lot, but some income that at least comes close to or matches inflation. Of course, the actual balance of this account will now diminish as money is withdrawn to fund his or her life.
The danger with a lifestyle fund, in my opinion, is that you can actually end up short of money in retirement. Perhaps not at first, but as time goes by the Lifestyle ETF or fund is not growing, it is diminishing as you withdraw money while earning, hopefully an amount equal to inflation. But as we tend to live longer and longer, into our 80's and 90's, perhaps over a 100, a Lifestyle account that stopped growing, stopped holding growth stocks or ETFs when you first hit retirement age may run out of cash before we die.
Years ago, life expectancy after retirement was only 10 maybe 15 years, now we are seeing a retirement life that is approaching almost as many years as our "working life" span.
In order to be sure you have enough funds to support you in retirement an investment strategy needs to remain fairly aggressive for many, many years after you retire.
Obviously there are a number of ways to grow your retirement account and to keep it growing and viable throughout your life:

• Use investment software to manage your account, even Lifestyle funds
• Use Lifestyle Funds or ETFs
• Retain an Investment Advisor

Using Investment software and self-directing your retirement account for safe profitable investing is something everyone is capable of doing as long as you have the desire.
Using Lifestyle Funds or ETFs can be the answer as long as you realize that you may have to pick funds that expire further out in years than when you plan to retire so your money continues to grow during your retirement years.
The other pitfall of locking into a Lifestyle Fund is that when the market declines the allocation and diversification may not protect you from major losses as the fund is 'locked into its allocation'. In other words these funds rarely incorporate a Market Exit signal for when the market dives. This type of feature is something a good investment software program offers.
The choice of using Lifestyle Funds or ETFs is tempting as long as you understand the drawbacks. Monitoring them with an investment software program or a brokers evaluation system to compare one against another and against the market trends can help make these a viable choice for those with limited time to manage their future

commodity tips, share tips, stock tips, nifty tips
take from source- http://www.ezinearticles.com

intraday trading calls

By Patric Iawell

Intraday trading also called day trading is a system where you can position on a share and release it before the end of that day's trading session; thus making a profit for yourself in that sell-buy or buy-sell exercise. You aren't concerned about whether the market is up or down, not concerned with market sentiments and not concerned with fundamental strengths of any organization. All you have to foresee is that the share price will either fall or rise very sharply during the day. The rapid changes that avant-garde epochs and technical advancements have bestowed upon us in all facades to online trading are definitely making our lives little unproblematic.
People are leaving no-stone unturned to profit from volatile and impulsive stock market National Stock Exchange or Bombay Stock Exchange. One boon that technology has offered us is World Wide Web that can be used in several ways unlike one in grossing immense profits. You should also look at these share market or stock market trends that are now available online for remaining abreast with latest developments taking place in stock market arena with just couple of mouse clicks. Beginners should aptly comprehend that without good guidance from expert or experienced resource, it's practically infeasible to continue winning streak at stock market NSE or BSE. In such situation, you should chip in for services provided by several online stock tips providers specialized in providing pertinent and accurate tips including intraday calls, Nifty Tips, Nifty Options, nifty intraday calls, share market intraday tips, options tips, nifty calls, option tips more to ensure you profit from impetuous nature of share market.
When you do intraday trading, the rules which might have helped you find great money makers or pick good stocks over the years trading normally will no longer work. It's a different game with different rules. Methods used for identifying shares, which are appropriate for normal delivery based trading are based on either fundamentals, insider information or technological analysis. Fundamentals deal with company's market strength, including detailed study of branding, balance sheets, positioning and more, whereas technological analysis with charts is a way of using historical volume/price patterns for predicting future behavior.
Trading is a serious business. You will require good money management policies, 4 important weapons: Discipline, Confidence, Patience and Focus and good trading method.
How much to invest?
Start with a fixed investment. The amount you are ready to lose in stock market. If you suddenly lose the whole of this amount, your normal lifestyle shouldn't be disturbed.
Rs. 5000 to 15,000 is a fair amount to begin with. Anything below 5000 isn't worth it.
This means, with four-times margins that online brokers enable, you can purchase stocks worth Rs. 60,000 for intraday trading.
Nonetheless, before choosing a specific share market consultancy, you need to look into some imperative factors including their commissions or charge, accuracy, services, list of satisfied clients, testimonials, consistency and other pertaining facades. With well versed decision and good accessible services, you will definitely reinforce your financial portfolio
commodity tips, share tips, stock tips, nifty tips
take from source- http://www.ezinearticles.com

Risk of trading Currency.

If you want to begin a career as a currency trader in Forex, you should start by finding out the truth about how that business works and what kind of knowledge you need to obtain in order to be a successful trader. There are hundreds of training systems and courses that are nothing but copy paste strategies that are known for being a complete waste of time, but these people are marketing the idea of a get rich quick lifestyle that is very attractive to people who might be desperate for money.
Just think of it this way, if there really was a way to make loads of money in a few days without having to learn almost anything, don't you think that everyone out there would have jumped into that idea already? Of course they would have done it, but this is not possible at all. You need to educate yourself if you want to stand a chance in Forex Trading, and a good currency trading course will give you all the information you need in order to get started with your Forex trading career.
The harsh reality is that most new traders will fail when they try to make money with Forex trades. They are not aware of how to do things and they are usually trained by fake programs that tell them things that could easily be found on ay search engine. The truth is that valuable information is hardly ever free. The formulas for success come with a price and this is for a good reason. When someone has to go thought the entire process of learning by making mistakes, by losing money and being frustrated in many moments of their trading career, they certainly are not going to giveaway this information for anyone to just take it an even claim it as their own.
What a true mentor will do is give you the secrets and the important information for a price that is affordable and fair. Investing in a good training program will be a truly valuable way for you to spend a little money and get true results from it. Once you are prepared to go into the business of currency trading, you will be able to start making money within a few months and if you work hard enough even less. Some of the people that have learned with the Pure Forex Trading program have started making money on their first month as traders. The reason is that the information is real, and you will need to study it and understand it well before you get started. This is why it was made in a way that explains things easily and with great examples. All the knowledge you will need to get started in Forex trading is included in this course.
Being good with numbers is never a bad thing when you decide to go into any kind of business that favors those that understand how numbers work, but this means nothing in Forex trading if you are not aware of all the thing you can do and the thing should never do if you want to earn money instead of losing it. If you want your dreams to come true, to get that sports car you always wanted, that house by the beach, or even the most essential dream of being able to take care of your loved ones and enjoying life, you will need to educate yourself in the matter before you invest a single dollar. Failing to do so will prove to be disastrous to your economy
commodity tips, share tips, stock tips, nifty tips
take from source- http://www.ezinearticles.com 

gold import, may review policy: Finance Minister

NEW DELHI: India cannot afford high levels of gold imports and may review its import policy, Finance Minister P Chidambaram said on Monday, after imports of precious metals jumped more than 150 per cent in April.

India, the world's biggest buyer of gold, hiked its import duty to 6 per cent in January in an attempt to limit purchases and rein in a record high current account deficit. Gold is the second biggest import item after crude oil.

On Sunday the government raised the import tariff value of gold to $459 per 10 grams, while it has been slashed at $737 per kg for silver imports.

Tariff value is the base price on which the customs duty is determined to prevent under-invoicing.

The notification in this regard has been issued by the Central Board of Excise and Customs ( CBEC).

Government has raised the import tariff value of gold as global prices have steadily been going up. On May 31, gold prices in Singapore rose to a two-week high of $1421 per ounce but the metal prices fell later to close at $1388.30.

Gold prices on the Multi Commodity Exchange rose to a session high of Rs 27,015 per 10 grams after Chidambaram's remarks, before easing back to trade 0.63 per cent higher at 26,980 rupees.

On May 13, the RBI introduced more restrictions on purchases for jewellers and banks as it also weighs in to curb imports.

share tips 
stock tips
nifty tips
intraday tips
commodity tips