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How Investment Plans Work
by: John Mussi
More people are choosing investment plans than ever before. With the rising cost of living and the growing insecurity about the availability of many retirement funds, many individuals are looking to investment plans to begin a nest egg or to make some additional money via investment without having to spend a lot of time purchasing stocks and bonds.
Investment plans allow individuals to simply purchase a specific amount of stocks, bonds, or indices on a regular repeating basis, cutting out a large part of the hassle while allowing for some of the main advantages of investment.
If you've been considering an investment plan but aren't completely sure what they might entail, the following information might help you to decide whether or not an investment plan is the right investment option for you.
The Mechanics of an Investment Plan
Basically, an investment plan is a method of making multiple investments over time at regular set intervals. The funds for the investment are taken from a cheque, savings, or money market account automatically, and are used to purchase stocks or bonds that you have decided upon beforehand. In most cases you can change the amount, frequency, or purchased stocks or bonds of the automatic investments at any time, though depending upon the broker through whom you're doing the investments you may be subject to fees or penalties especially if changing details relatively close to the next investment date. Most online investment firms offer investment plans that you can change at any time free of charge.
Deciding How Much to Invest
When deciding how much to invest each cycle with an investment plan, you should take care not to overextend your funds and bring yourself up short. Make sure that the amount that you choose is available and that you'll have it to spare each time your investment comes up? it can be difficult to plan for events in the future, and just because you have a surplus now doesn't mean that you won't find money running tight a few investment cycles from now.
If you feel that you're reaching a point where you won't be able to afford your regular investment, go ahead and reduce the investment amount or put a hold on the next scheduled investment? better to put less in than short yourself afterwards.
Choosing What to Invest In
Making the decision of which stocks and bonds to invest in can take some time, but it's worth it? this is your money that you're dealing with, and you shouldn't invest it without putting some thought and research into your decisions. Find stocks or bonds that have performed well over time, and that are likely to continue doing so? they may be expensive at times, but you aren't making your total investment all at once so it doesn't matter as much.
Don't be afraid to add new stocks or bonds to your plan later, either? this can help to diversify your portfolio.
Deciding On an Investment Interval
You also need to decide how often you wish to make your investments? this will largely depend upon the cycle of your paycheques and your monthly bills and expenses. You may decide to invest once per month, after everything has been paid, or you might want to invest a little from every paycheque.
The more often you invest, the lower the amount of each investment can be? after all, two or four small investments per month might end up purchasing more than one larger one.
Decide on what works best for your lifestyle, and modify it as needed later if it doesn't seem to work out for you.
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２０日は、中国政府が減税や市場安定策などを含む２０００億〜４０００億元（約３兆２０００億〜６兆４０００億円）の景気対策を検討しているという情報が市場で流れたことが買い材料となった。電力料金値上げや原油価格の安定なども好感され、大半の銘柄がストップ高まで買われた。 地元経済界から、中小・零細企業に対して金融機関の貸し出し姿勢が厳しくなっているとの指摘があった。これに対し、白川総裁は「（景気が停滞している中で）金融機関が信用リスクの評価について新しい目線で見ることは当然で、全体としてどうなるかを注意したい」と述べた。 このため、特定の保険商品や営業地域、顧客層に限った部分的な事業買収ができない。また、既存の保険会社が個人客専門会社や企業取引専門会社といった機能別保険会社を分社化し、持ち株会社の傘下にぶら下げるなどの社内再編も、事実上不可能だ。 みずほコーポレート銀行は今年１月に米証券大手メリルリンチに約１３００億円を出資するなど海外戦略を強化。三菱東京ＵＦＪ銀行と三井住友銀行も欧米の金融機関との連携を強めており、邦銀の海外攻勢が加速している。