Do you want to generate extra dollars and new f...
Investment Property Part 2 of 2: What You Need ...
How to Start an Investment Club - Business Model
Small business investments
Best Stock Market Simulation Games
Finance Your Real Estate Investment Properties
The 3 Ps Of Picking An Asset Management Team Th...
Market Failures And Business Cycles (Part 1)
Investing in New Zealand - Learn how to Find Un...
Invest Now for Dividends Later
NanotechnologyInvestment.com Exclusive Intervie...
All About Stock Market
Real Estate Foreclosure Risk: The Double-Edged...
Make Money With No Investment -Starting From Sc...
Negative Gearing ? it?s not to your benefit!
Fixing And Flipping Houses For High Return On I...
Industrial Income Property Financing: Part 3 of 3
A Stock Market Investment Plan that never lets ...
5 Hot Tips for Successful Real Estate Investment
?Why You, Why Now? - A Critical Component of a ...
Properties for Sale in Bulgaria: A Look at Rur...
Russ Whitney - The Real Estate Boom
CYCLING PROGRAMS & PONZI SCHEMES
Is it a bird...Is it a plane.....No it's an Ang...
Expand Your Business using Venture Capital
Investing In Son's Business Could Cause A Real ...
The Real Estate market in Spain: Making profits...
Multi Family Property Living
Sales Commission - What Return Should You Expec...
Investment Property Part I: How Not to Become a...
Identifying the Right Venture Capital Firm Partner
International Investment In Bulgaria Still Strong
Alternative Venture Finance: Federal Grants and...
Sanity Check - Buying a Business
Investing the Profits from Your Home Based Busi...
Raising Capital for Your Business ? How Long Do...
Angel Investors: Who They Are & When Are They A...
Find Investment Properties - 10 Ways
A Completely New Way To Get Rich Rapidly
More Article Pages 1 - 2 - 3
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.
You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:
Return Home to TopWiki.info
?2007 - All Rights Reserved
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
今年に入って、米地域金融機関の経営破たんが相次いでいる。８月２２日にカンザス州の地方銀行、コロンビア・バンク・アンド・トラストが州当局から業務停止命令を受け、今年９件目の破たんとなった。昨年は計３件で、今年はすでに３倍に膨らんだ。 ２０日の上海、深センの両株式市場は、中国政府による景気刺激策への期待などから全面高となり、株価指数の上昇幅が７％を超す大幅高となった。上海市場全体の値動きを示す上海総合指数の終値は、前日終値比７・６３％高の２５２３・２８、深セン市場の成分指数も同７・１３％高だった。 家庭で現金を眠らせる「タンス預金」が２００７年は３０兆円規模に上り、０３年以降の高止まり傾向が続いていることが日本銀行の調査で分かった。低金利が続いていることや米低所得者向け住宅融資「サブプライムローン」問題による金融市場の混乱で、膨大なお金が行き場を失っているとみられる。 日本郵政グループのゆうちょ銀行は２００９年１月５日に、全国の民間金融機関が振り込み処理などに使っているコンピューターシステム（全銀システム）へ接続する。接続後は全国の金融機関と相互に振り込みができるようになるが、ゆうちょ銀の口座に振り込む場合は従来の番号とは別に、新たに割り当てられる振り込み専用番号が必要となる。（石井重聡）