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How to Manage Your Investment Portfolio Like a Pro

How to Manage Your Investment Portfolio Like a Pro

Managing an investment portfolio is a lot like managing a business. With a disciplined, patient, and proactive approach, you can preserve and protect your wealth while attaining financial independence. Your investment strategies might differ, but you’ve to begin with some principles that are consistent at its core, which not only …

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8 Principles of Investing for Beginners and Beyond

8 Principles of Investing for Beginners and Beyond

To start, there are no investment hacks and shortcuts. Investing requires time, research, and maintenance. Effort? Depends on the instrument. Stocks, for instance, would need more vigilance than bonds, which is mostly a ‘buy and wait for maturity’ affair. Overall, there is no instant fix to get you high investment …

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5 Reasons to Invest in Peer-To-Peer Lending

5 Reasons to Invest in Peer-To-Peer Lending

If you own a small, growing enterprise, getting funding from your peers through peer-to-peer (P2P) lending can be a great substitute to applying for a bank loan. On the other hand, if you are an investor, P2P lending can be a great way to earn returns while helping out SMEs. …

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Budgeting: Balance Your Spending

Personal Budgeting: Balance Your Spending

“My money keeps spilling out like water.” Many of us have experienced the frustration of having too many expenses to track. We have to pay for housing, utilities, taxes, transportation, food, the list goes on. Sometimes we can’t catch a break despite bringing in a reasonably good income. It’s normal …

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Types of Investments

Types of investments

If it is long-term financial security you are after, you will have to start investing – and better sooner than later. Here is a quick guide to the different types of investments: 1. Time deposits A time deposit is a bank deposit with (i) a higher interest rate than a …

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The Best Advice We’ve Heard about Crowdfunding and P2P Lending

best and worst advice about crowdfunding

Don’t invest in a person or a company on the basis of its name and fame The rise of crowdfunding and its offshoots have attracted big names. Celebrity artists like Neil Gaiman and Whoopi Goldberg have utilized crowdfunding campaigns. Businesses more familiar to our ears have tapped into peer-to-peer (P2P) …

Investing in a Post-US Election World

Investing in a Post-US Election World

Prior to US Election Day 2016, most polls had projected a Hillary Clinton victory. So to say that the eventual result was unexpected seems fair. The shock impacted the markets even before the official winner was declared. As Donald Trump’s victory became more and more assured, gold prices soared; the …

8 Steps to Creating a Smart Financial Plan

8 Steps to Creating a Smart Financial Plan

An illuminating Straits Times article published early this year revealed the results of a poll conducted by the Financial Planning Association of Singapore (FPAS). Some unexpected and uncomfortable finds were disclosed. Only a third of Singaporeans had a comprehensive financial plan. Only 11% felt knowledgeable about financial matters. Most felt …

3 Reasons Why Peer-To-Peer Lending Should Be In Your Portfolio

Why Peer-To-Peer Lending Should Be In Your Portfolio

Peer-to-Peer (P2P) lending is a fixed-income instrument. The concept of how it works is that individuals lend money to Small & Medium Enterprises (SMEs). It is somewhat like crowdfunding, where people pool money to give it to a company that they want to support. However for P2P lending, they lend …

The Most Overlooked Principle of Investment in a Weak Economy

The Most Overlooked Principle of Investment in a Weak Economy

In my years as a consultant, I have advised and been mentored by many brilliant individuals including the CEO of major corporations and household names. Risk / return ratio was always the centerpiece of major decisions. While regulators and financial institutions are taking up more responsibility in the post-crisis world with Dodd-Frank and …