Monday, February 28, 2022

Mutual Fund - Index Funds - Exchange Traded Funds - Balanced Funds - Income Funds - Equity Funds - Venture Capital - Private Equity Fund.

Financial Literacy -  Financial Knowledge At: KNOWLEDGE FINANCIAL GROUP - KNOWLEDGEFINANCIALGROUP.COM

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 Mutual Fund - Index Funds -  Exchange Traded Funds - Balanced Funds - Income Funds - Equity Funds - Venture Capital - Private Equity Fund.

  • SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE. HOW DOES
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    https://www.knowledgefinancialgroup.com/RETIREMENT.html

  • What Are Self-Directed IRAs? How Self-Directed IRAs Let you
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  •  IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter? https://www.knowledgefinancialgroup.com/IRA

  • Retirement Planning Guide = Retirement can be a time to explore new possibilities or to slow down and fully enjoy the life. https://www.knowledgefinancialgroup.com/retirementplanning.html

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    WHAT ARE 401K,  ROTH 401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN.

    What is a SEP IRA? What is a SIMPLE IRA? 
    https://www.knowledgefinancialgroup.com/PENSION-PLANS.html
  • THE ULTIMATE RETIREMENT GUIDE; HOW TO RETIRE EARLY AND RETIRE REACH.

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    Mutual Fund:  A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, money market instruments, and other assets like short-term debt. The combined holdings of the mutual fund are known as its portfolio. 


    Mutual funds are operated by professional money managers. The price of a mutual fund share is referred to as the net asset value (NAV) per share, sometimes expressed as NAVPS.
    There is a fund for nearly every type of investor or investment approach. 
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    Types of Mutual Funds: - types of mutual funds include money market funds, sector funds, alternative funds, smart-beta funds, target-date funds, and even funds of funds, or mutual funds that buy shares of other mutual funds.
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    Fixed-Income Funds: Another big group is the fixed income category. A fixed-income mutual fund focuses on investments that pay a set rate of return, such as government bonds, corporate bonds, or other debt instruments. 
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    Equity Funds: The largest category is that of equity or stock funds. As the name implies, this sort of fund invests principally in stocks. --------The term value fund refers to a style of investing that looks for high-quality, low-growth companies 

    there are also growth funds, which look to companies that have had (and are expected to have) strong growth in earnings, sales, and cash flows. 
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    The size of the companies that a mutual fund invests in. Large-cap companies have high market capitalizations, with values over $10 billion. Market cap is derived by multiplying the share price by the number of shares outstanding.

    Large-cap stocks are typically blue chip firms that are often recognizable by name.
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    Small-cap stocks refer to those stocks with a market cap ranging from $300 million to $2 billion. These smaller companies tend to be newer, riskier investments. Mid-cap stocks fill in the gap between small- and large-cap.
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    Index Funds: Another group, which has become extremely popular in the last few years, falls under the moniker "index funds." Their investment strategy is based on the belief that it is very hard, and often expensive, to try to beat the market consistently. 

    So, the index fund manager buys stocks that correspond with a major market index such as the S&P 500 or the Dow Jones Industrial Average (DJIA).
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    Exchange Traded Funds (ETFs: ) A twist on the mutual fund is the exchange traded fund (ETF). These ever more popular investment vehicles pool investments and employ strategies consistent with mutual funds, but they are structured as investment trusts that are traded on stock exchanges and have the added benefits of the features of stocks. For example, ETFs can be bought and sold at any point throughout the trading day. 
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    Balanced Funds: Balanced funds invest in a hybrid of asset classes, whether stocks, bonds, money market instruments, or alternative investments.
    The objective is to reduce the risk of exposure across asset classes.This kind of fund is also known as an asset allocation fund.
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    Money Market Funds: The money market consists of safe (risk-free), short-term debt instruments, mostly government Treasury bills. This is a safe place to park your money.

    You won't get substantial returns, but you won't have to worry about losing your principal.
    A typical return is a little more than the amount you would earn in a regular checking or savings account.
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    Income Funds: Income funds are named for their purpose: to provide current income on a steady basis. These funds invest primarily in government and high-quality corporate debt, holding these bonds until maturity in order to provide interest streams.
    While fund holdings may appreciate in value, the primary objective of these funds is to provide steady cash flow to investors.
     ----------

    How Commodity Trading Works? VISIONONE HOLDING COMPANY -

    Let’s understand how commodity trading works. VISIONONE CAPITAL MANAGEMENT -

    With the help of a real example, we’ll explain a commodity strategy used by a cotton producer.

    A cotton farmer wants to protect himself from possible adverse future prices and a potential loss at the harvest time. This farmer can use the cotton future market to hedge this risk. The cotton farmer has some associated costs with producing and harvesting his cotton crop.

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    In order for him to cover all the incurring costs and hopefully to make a profit, he needs to have some type of certainty about the future price of cotton. Since the crop will be ready to harvest only a year later, he can secure the cotton price in advance. By selling a cotton futures contract for a specified price and for delivery at a specified date in the future, our cotton farmer can lock in a favorable price that will make him a profit at the end of harvesting.

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    Weather conditions can also have a major impact on his cotton crop and can severely impact the price of commodities. While the contract holder can earn strong returns, the farmer benefits from gaining price security. In the end, both parties end up in a more favorable position..

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    There are many benefits that come with commodity trading.

    We’re going to outline the three main benefits of commodity trading.

    Firstly, it helps diversify your portfolio and includes real assets in your wealth-building machine. Secondly, commodity assets are easy to understand in terms of the supply and demand equation. The supply and demand imbalances can cause real price disruption in the commodity market.

    The US-China trade war escalation has already impacted the demand for commodities. Tariffs increase the cost of accessing goods, causing prices to rise.

    To learn more about the supply and demand intricacies please visit: Supply and Demand Trading – Learn about Market Movement.

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    Lastly, when the economy is in a recession, money is losing its value as a result of inflation. However, the price of commodities increase during high inflation and they are seen as a hedge.

    Let’s now see who are the main market participants in the commodity market.

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    Mutual Fund Fees: A mutual fund will classify expenses into either annual operating fees or shareholder fees. 

    Annual fund operating fees are an annual percentage of the funds under management, usually ranging from 1–3%. Annual operating fees are collectively known as the expense ratio. 

    A fund's expense ratio is the summation of the advisory or management fee and its administrative costs. Shareholder fees, which come in the form of sales charges, commissions, and redemption fees, are paid directly by investors when purchasing or selling the funds. 

    Sales charges or commissions are known as "the load" of a mutual fund. When a mutual fund has a front-end load, fees are assessed when shares are purchased.

     For a back-end load, mutual fund fees are assessed when an investor sells his shares. Some funds also charge fees and penalties for early withdrawals or selling the holding before a specific time has elapsed. 
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    Currently, most individual investors purchase mutual funds with A shares through a broker. This purchase includes a front-end load of up to 5% or more, plus management fees and ongoing fees for distributions, also known as 12b-1 fees. 
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    "level load" C shares, which generally don't have a front-end load but carry a 1% 12b-1 annual distribution fee. Funds that charge management and other fees when an investor sell their holdings are classified as Class B shares.
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    International/Global Funds: An international fund (or foreign fund) invests only in assets located outside your home country. Global funds, meanwhile, can invest anywhere around the world, including within your home country.

    It's tough to classify these funds as either riskier or safer than domestic investments, but they have tended to be more volatile and have unique country and political risks
    --------
    many mutual fund redemptions take place only at the end of each trading day.
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    Advantages of Mutual Funds: There are a variety of reasons that mutual funds have been the retail investor's vehicle of choice for decades.
    Liquidity, diversification, and professional management all make mutual funds attractive options for younger, novice, and other individual investors who don't want to actively manage their money.
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    Mutual funds require a significant amount of their portfolios to be held in cash in order to satisfy share redemptions each day. Because cash earns no return, it is often referred to as a "cash drag.
    "-----------
    Actively managed funds incur higher fees, but increasingly passive index funds have gained popularity. These funds track an index such as the S&P 500 and are much less costly to hold. 
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    Investors typically earn a return from a mutual fund in three ways: 1. Income is earned from dividends on stocks and interest on bonds held in the fund's portfolio.

    .2. If the fund sells securities that have increased in price, the fund has a capital gain. Most funds also pass on these gains to investors in a distribution.

    3. If fund holdings increase in price but are not sold by the fund manager, the fund's shares increase in price. You can then sell your mutual fund shares for a profit in the market.
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    Closed-End Fund: A closed-end fund raises capital for investment through a one-time sale of a limited number of shares, which may then be traded on the markets.
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    Open-End Fund?
    An open-end fund is a diversified portfolio of pooled investor money that can issue an unlimited number of shares. The fund sponsor sells shares directly to investors and redeems them as well.
    These shares are priced daily based on their current net asset value(NAV) Some mutual funds, hedge funds, and exchange-traded funds (ETFs) are types of open-end funds.

    An open-end fund provides investors an easy, low-cost way to pool money and purchase a diversified portfolio reflecting a specific investment objective. Investing objectives include investing for growth or income, and in large-cap or small-cap companies, among others. Further, the funds can target investments into specific industries or countries.
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    The Difference of Closed-End Funds
    Closed-end funds launch through an initial public offering (IPO) and sell on the open market.
    The closed-end fund shares trade on an exchange and are more liquid. They price trades at a discount or premium to the NAV based on supply and demand throughout the trading day.

    Since closed-end funds do not have that requirement, they may invest in illiquid stocks, securities or in markets such as real estate.

    Closed-end funds may impose additional costs through wide bid-ask spreads for illiquid funds, and volatile premium/discount to NAV. Closed-end funds demand that shares be traded through a broker.

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    Bond Fund
    A bond fund invests primarily in bonds (government, corporate, municipal, convertible) and other debt instruments to generate monthly income
    ==========
    ------------
    A mutual fund is a type of investment vehicle consisting of a portfolio of stocks, bonds, or other securities.
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    Mutual funds give small or individual investors access to diversified, professionally managed portfolios at a low price.
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    Mutual funds are divided into several kinds of categories, representing the kinds of securities they invest in, their investment objectives, and the type of returns they seek.
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    Mutual funds charge annual fees (called expense ratios) and, in some cases, commissions, which can affect their overall returns.
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    The overwhelming majority of money in employer-sponsored retirement plans goes into mutual funds.
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    Investors typically earn a return from a mutual fund in three ways:

    1. Income is earned from dividends on stocks and interest on bonds held in the fund's portfolio.

    2.If the fund sells securities that have increased in price, the fund has a capital gain. Most funds also pass on these gains to investors in a distribution.

    3. If fund holdings increase in price but are not sold by the fund manager, the fund's shares increase in price. You can then sell your mutual fund shares for a profit in the market.
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    Fund Types to Use in Recession time...
    Federal Bond Funds
    Several types of bond funds are particularly popular with risk-averse investors. Funds made up of U.S. Treasury bonds lead the pack, as they are considered to be one of the safest. Investors face no credit risk.

    Bond funds investing in mortgages securitized by the Government National Mortgage Association (Ginnie Mae) are also backed by the full faith and credit of the U.S. government.

    options to consider include federal bond funds, municipal bond funds, taxable corporate funds, money market funds, dividend funds, utilities mutual funds, large-cap funds, and hedge funds.

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    Municipal Bond Funds

    Next on the list are municipal bond funds. Issued by state and local governments, these investments leverage local taxing authority to provide a high degree of safety and security to investors.

    --------
  • . Taxable Corporate Funds

    Taxable bond funds issued by corporations are also a consideration. They offer higher yields than government-backed issues but carry significantly more risk. Choosing a fund that invests in high-quality bond issues will help lower your risk.

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  • Money Market Funds

    When it comes to avoiding recessions, bonds are certainly popular, but they aren't the only game in town. Ultra-conservative investors and unsophisticated investors often stash their cash in money market funds. While these funds provide a high degree of safety, they should only be used for short-term investment.

  • There's no need to avoid equity funds when the economy is slowing. Instead, consider funds and stocks that pay dividends, or that invest in steadier, consumer staples stocks; in terms of asset classes, funds focused on large-cap stocks tend to be less risky than those focused on small-cap stocks, in general.

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  •  Dividend Funds

    Contrary to popular belief, seeking shelter during tough times doesn't necessarily mean abandoning the stock market altogether. While investors stereotypically think of the stock market as a vehicle for growth, share price appreciation isn't the only game in town when it comes to making money in the stock market. 

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  • Utilities Mutual Funds

    Utilities-based mutual funds and funds investing in consumer staples are less aggressive stock fund strategies that tend to focus on investing in companies paying predictable dividends.

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  • Large-Cap Funds

    Traditionally, funds investing in large-cap stocks tend to be less vulnerable than those in small-cap stocks, as larger companies are generally better positioned to endure tough times. Shifting assets from funds investing in smaller, more aggressive companies to those that bet on blue chips 

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  • Hedge  Funds

    For wealthier individuals, investing a portion of your portfolio in hedge funds is one idea. hedge funds require certain conditions to invest in. Hedge funds are designed to make money regardless of market conditions. Investing in a foul weather fund is another idea

  • ==============

  • What to do when we have a market panic or uncertainty?
    Securities analyst from: FRUITAL INVESTMENT GROUP – FCEBOOK.COM/FRUITALINVESTMENT

    If you have cash on the sidelines, keep your money in a short-term treasury fund/bonds. FRUITALINVESTMENT.BLOGSPOT.COM

    That’s the nature of market panic, the buy orders dry up, traders step back, investors worry.

    Remember, Warren Buffet; be fearful when others are greedy, and be greedy when others are fearful.
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    Knowledgeable investors become opportunist, they take action, they move forward when the market rebounds they smile.

    Now we all accept that the bear is in the field. The long bull market has finally ended. Many people are looking for a safe side to hide their mass fortune.

    Bonds have an important place in most portfolios. Corporate bonds, government bonds, municipal bonds. Specially for those who are approaching retirement, or already in retirement.
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    Visionone Holding Company team is asking people to take informed and calculated risks, and make smarter investment decision.
    By chief investment officer of: Visionone Holding Company - www.visiononeholding.blogspot.com

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  • Private Equity Fund

    Types of Equity Funds

    Venture Capital or VCs

    Venture capital refers to the fund which further invests in small young companies and startups who have limited or no access to the outside financial markets. 

  • What are private equity funds?

    When you invest in a private equity fund, you are investing in a fund managed by a private equity firm—the adviser.  Similar to a mutual fund or hedge fund, a private equity fund is a pooled investment vehicle where the adviser pools together the money invested in the fund by all the investors and uses that money to make investments on behalf of the fund. 

    A typical investment strategy undertaken by private equity funds is to take a controlling interest in an operating company or business—the portfolio company—and engage actively in the management and direction of the company or business in order to increase its value.

  •  Unlike mutual funds or hedge funds, however, private equity firms often focus on long-term investment opportunities in assets that take time to sell with an investment time horizon typically of 10 or more years. 

  • These young companies are usually in their initial stage of formation but have a high growth potential in the near future. 

  • Venture capital funds are an excellent source of capital for emerging companies with ambitious value propositions and innovations.

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  • Who can invest?

    A private equity fund is typically open only to accredited investors and qualified clients.  Accredited investors and qualified clients include institutional investors, such as insurance companies, university endowments and pension funds, and high income and net worth individuals.  The initial investment amount for a private equity investment is often very high. 

    Even if you are not invested in private equity funds directly, you may be indirectly invested in a private equity fund if you participate in a pension plan or own an insurance policy,

  • ------------

  • Buyout or Leveraged Buyout (LBO)

    They are different form VC funds as a leveraged buyout invests money in a larger business along with additional leverage (usually in a form of stake holding), which is placed on the organization to generate favourable and sizeable returns. The money invested is also larger as compared to VCs.

    A leveraged buyout takes place when a company borrows a large amount of money in the form of loans and bonds to facilitate its acquisition of another company. 

  • --------------

  • A leveraged buyout comprises of debt to finance the buyout. The firm undertaking the LBO has to provide a small amount of the financing (typically around 90% of the cost is financed through debt).

    The investment objective of a leveraged buyout is to generate returns on the acquisition that will outweigh the interest paid on the debt. 

  • For the firm that’s performing the LBO, this is a good option to generate high returns while only risking a small amount of capital.

  • -----------

  • Real Estate fund

    Private equity real estate funds invest capital in ownership of various real estate properties. Such funds have strategies based on:

    • Core: Investments are made in low-risk / low-return strategies with predictable cash flows.

    • Core Plus: Moderate-risk / moderate-return investments in core properties that require some form of value added element.

    • Value Added: A medium-to-high-risk / medium-to-high-return strategy which involves the purchasing of property to improve and sell at a gain. Value added strategies typically apply to properties that have operational or management issues, require physical improvements, or suffer from capital constraints.

    • Opportunistic: A high-risk / high-return strategy, opportunistic investments in properties require massive amounts of enhancements. 
    • ------------------
    • Growth Capital

      Private equity growth capital funds invest in mature corporates with a successful business model to enable them to expand or restructure their operations, enter new markets, or finance a major acquisition.

    •  It is usually a small investment as the company which requires growth capital is generally a large profit generating enterprise.

    • ------------

    • Advantages of Investing in Private Equity Funds

      • Large amounts of funding: Private Equity Funds are an excellent source of capital as they are free of debts. An emerging business can tap large amounts for seed funding via Private Equity.

      • Untapped Potential: Private equity is a vastly untapped market with great potential. From unicorn startups to unlisted private companies and much more, there are a wide range of options available in the market.

      • Active Involvement: As a shareholder, you can hold the professional management PE team completely accountable for protecting your shareholding interests.

      • Incentives and Returns: PE Firms which hold and manage private equity funds are highly selective and spend a considerable amount of resources to assess the potential companies which they could invest in. This also involves an understanding of the risks involved and how to ease the same.

      • ===============

          • ----------

          • What should I know?

            Illiquidity

            Because of their long-term investment horizon, an investment in a private equity fund is often illiquid and it may be necessary to hold an investment in a private equity fund for several years before any return is realized.

          • -----------

          • Fees and expenses

            When investing in a private equity fund, an investor usually receives offering documents detailing material information about the investment and enters into various agreements as a limited partner of the fund.  

          • These offering documents and agreements should disclose and govern the terms of the investor’s investment throughout the fund’s life, including the fees and expenses to be incurred by funds and their investors. 

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          • ================

          • Venture Capital

          • What Is Venture Capital?

            Venture capital (VC) is a form of private equity and a type of financing that investors provide to startup companies and small businesses that are believed to have long-term growth potential. Venture capital generally comes from well-off investors, investment banks, and any other financial institutions. 

          • However, it does not always take a monetary form; it can also be provided in the form of technical or managerial expertise. Venture capital is typically allocated to small companies with exceptional growth potential.

            • Venture capital funds manage pooled investments in high-growth opportunities in startups and other early-stage firms and are typically only open to accredited investors.
            • ----------
            • Venture Capital

            • One important difference between venture capital and other private equity deals, however, is that venture capital tends to focus on emerging companies seeking substantial funds for the first time, while private equity tends to fund larger, more established companies that are seeking an equity infusion or a chance for company founders to transfer some of their ownership stakes.
            • --------------
            • A Day in the VC Life

              Like most professionals in the financial industry, the venture capitalist tends to start his or her day with a copy of The Wall Street Journal, the Financial Times, and other respected business publications. 

              For the venture capital professional, most of the rest of the day is filled with meetings. These meetings have a wide variety of participants, including other partners and/or members of his or her venture capital firm, executives in an existing portfolio company, contacts within the field of specialty

            • Venture capitalists that specialize in an industry tend to also subscribe to the trade journals and papers that are specific to that industry. All of this information is often digested each day along with breakfast.

            • ----------

            • Why Is Venture Capital Important?

              Innovation and entrepreneurship are the kernels of a capitalist economy. New businesses, however, are often highly-risky and cost-intensive ventures. 

            • As a result, external capital is often sought to spread the risk of failure. In return for taking on this risk through investment, investors in new companies are able to obtain equity and voting rights for cents on the potential dollar.

            •  Venture capital, therefore, allows startups to get off the ground and founders to fulfill their vision.

            • -------------=====


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            • What Is the Difference Between Venture Capital and Private Equity?

              Venture capital is a subset of private equity. In addition to mezzanine

            • VC, private equity also includes leveraged buyouts,  financing, and private placements.

          • -------------============

          • Angel Investors

            For small businesses, or for up-and-coming businesses in emerging industries, venture capital is generally provided by high net worth individuals (HNWIs)—also often known as "angel investors"—and venture capital firms. 

            Angel investors are typically a diverse group of individuals who have amassed their wealth through a variety of sources. However, they tend to be entrepreneurs themselves, or executives recently retired from the business empires they've built.

            Self-made investors providing venture capital typically share several key characteristics. The majority look to invest in companies that are well-managed, have a fully-developed business plan, and are poised for substantial growth.

          • The National Venture Capital Association (NVCA) is an organization composed of hundreds of venture capital firms that offer to fund innovative enterprises.

          •  These investors are also likely to offer to fund ventures that are involved in the same or similar industries or business sectors with which they are familiar. If they haven't actually worked in that field, they might have had academic training in it. 

          • -------------- ==========

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          • Compound interest? Compound interest is the interest imposed on a loan or deposit amount. It is the most commonly used concept in our daily existence. The compound interest for an amount depends on both Principal and interest gained over periods. This is the main difference between compound and simple interest

            Starting young lets the students take advantage of the magic of "compound interest." Compound interest is the interest you earn on interest. 

          • This can be illustrated by using basic math: if you have $100 and it earns 5% interest each year, you'll have $105 at the end of the first year. 

          • At the end of the second year, you'll have $110.25. Not only did you earn $5 on the initial $100 deposit, you also earned $0.25 on the $5 in interest. 

          • While 25 cents may not sound like much at first, it adds up over time. Even if you never add another dime to that account, in 10 years you'll have more than $162 thanks to the power of compound interest.

          • ------

          • Compound interest is the interest calculated on the principal and the interest accumulated over the previous period. It is different from simple interest, where interest is not added to the principal while calculating the interest during the next period.

          • Where,

            • A = amount
            • P = principal
            • r = rate of interest
            • n = number of times interest is compounded per year
            • t = time (in years)

            Alternatively, we can write the formula as given below:

            CI = A – P

            And

            This formula is also called periodic compounding formula.

            Here,

            • represents the new principal sum or the total amount of money after compounding period
            • P represents the original amount or initial amount
            • is the annual interest rate
            • n represents the compounding frequency or the number of times interest is compounded in a  year
            • represents the number of years

            It is to be noted that the above formula is the general formula for the number of times the principal is compounded in a year. If the interest is compounded annually, the amount is given as:

            Thus, the compound interest rate formula can be expressed for different scenarios such as the interest rate is compounded yearly, half-yearly, quarterly, monthly, daily, etc

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          • ----------------
          Rule of 72

          The Rule of 72 is a great way to estimate how your investment will grow over time. 
        • If you know the interest rate, the Rule of 72 can tell you approximately how long it will take for your investment to double in value. 
        • Simply divide the number 72 by your investment’s expected rate of return (interest rate). 
        • Assuming an expected rate of return of 9%, your investment will double in value about every 8 years (72 divided by 9 equals 8)
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        • Rule of 72

          • the Rule of 72 is a simplified formula that calculates how long it'll take for an investment to double in value, based on its rate of return.
          • The Rule of 72 applies to compounded interest rates and is reasonably accurate for interest rates that fall in the range of 6% and 10%.
          • The Rule of 72 can be applied to anything that increases exponentially, such as GDP or inflation; it can also indicate the long-term effect of annual fees on an investment's growth.
          • The Formula for the Rule of 72 - How to Use the Rule of 72

            The Rule of 72 could apply to anything that grows at a compounded rate, such as population, macroeconomic numbers, charges, or loans. If the gross domestic product (GDP) grows at 4% annually, the economy will be expected to double in 72 / 4 = 18 years.

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            Investing 101: A Guide to Investing... 

            INVEST FOR WHAT MATTERS TO YOU

            The market will always go up and down, but your goals and objectives are still your goals and objectives.
            • When you buy a product to use or food to eat you are a consumer.
            • When you invest your money in a company who produces stuffs, you're a producer/investor.
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            • When you invest in a company for 3, 6, months and then sell. You are not an investor, you are a trader.
            • But when you invest in a company for a year or more you are classified as investor.
            • Real estate is something important and interesting that people need to own for the rest of their life.
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            Invest in what you love.

            Take Control of Your Financial Future. Now.

            1. What is your time frame for investing?
            2. Are you investing for income or growth?
            3. You Can Retire Sooner Than You May Think— Here Are Few Ways To Make It Happen.Yes you can retire with time on your hands and money in your pockets...

            4. ---------
            5. Invest In: Exchange-Traded Funds (ETFs)

              What Is an ETF? An ETF is a type of fund that holds multiple assets rather than buying one stock.

              An exchange traded fund (ETF) is a type of security that tracks an index, sector, commodity, or other asset, but which can be purchased or sold like a stock.

              • TYPES OF ETF
              • Currency ETFs, Commodity ETFs,  Stock ETFs,  Bond ETFs, Real Estate ETS's, Pharmaceutical ETF, Technology ETF"s. Precious Metal ETF's etc. 
              • ETF's, Exchange Traded Funds are passively managed funds and they have less/lower fees
            6. -----------------------

            7. Invest In Index Funds:

            8. Index funds, are funds that give you exposure to an entire index. You can only buy index fund once a day. 

            9. Index funds give you diversified access to all the companies you know and
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            10. Index funds help people purchase a larger part of the market instead of stocks in
            11. Invest In: Municipal Bonds

              What are municipal bonds? Municipal bonds (or “munis” for short) are debt securities issued by states, cities, counties and other governmental entities to fund day-to-day obligations.

            12. By purchasing municipal bonds, you are in effect lending money to the bond issuer in exchange for a promise of regular interest payments.
            13. -------
            14. Invest In: Real Estate Investment Trusts (REITs)

              What are REITs?

              Real estate investment trusts (“REITs”) allow individuals to invest in large-scale, income-producing real estate. A REIT is a company that owns and typically operates income-producing real estate or related assets.

            15. Real estate investment trust - REIT's..
              There are 2 kind of Reits: Equity Reit and mortgage Reit.
              Reit's allow you to invest in real estate without taking a mortgage and get access of your money whatever you like.
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            17. How to buy and sell REITs

              You can invest in a publicly traded REIT, which is listed on a major stock exchange, by purchasing shares through a broker. You can purchase shares of a non-traded REIT through a broker that participates in the non-traded REIT’s offering. You can also purchase shares in a REIT mutual fund or REIT exchange-traded fund.

            18. ----------

            19. Purchasing Bonds

              When you buy a bond, you are lending money to the company or institution that issued it. Bonds are debt securities and can be in the form of Treasuries, municipal bonds, corporate bonds, and other types of debt..

            20. ---------

            21. Buying Stocks

              Without a doubt, owning stocks has been the best way, historically, to build wealth. Stocks are shares of ownership in a specific corporation. When you own a share of Apple, for example, you own a tiny piece of that company. Stock prices fluctuate with a company's fortunes and also with the economy at large.

            22. There are 2 ways to make money in stocks:
              1. By appreciation, meaning capital gains. And
              2. By getting pay dividends
            23. -----------
            24. Why And When to sell your stocks?
              There are actually about 4 main reasons why investors can sell their stocks...
              1. Company failure - going under
              2. Need the cash for other use
              3. Need to reinvest in other products
              4. When you win big, you bought undervalue and now its overvalue - time to cash in!
            25. ----------

            26. ============

            27. Real Estate Professional is here to help, and to guide you through your
              home selling process, and or home buying process from the start to finish...


              The Advantages To Owning Real Estate...
            28. 1. You have tax advantages - Depreciation, or advantage with appreciation
              2. You are building equity every month and every year, preferably said year after year.

              3. You can refinance and cash out your equity.
              4. You can use your property as collateral to obtain financing to open businesses.

              5. You have your absolute privacy
              6. You are building a retirement nest eggs.
            29. Real Estate is a Hedge Against Inflation
              Real estate is one of the few assets that reacts proportionately to inflation.
            30.  As inflation goes up, housing values and rents go up.
            31. ---------
            32. Advantages of Real Estate Investments...

              1. Financial Leverage. When people purchase a real estate property, they attain financial leverage.
              2.  By using OPM, or OPIUM.
              3. OPM = OTHER PEOPLE'S MONEY
              4.  AND OPIUM = OTHER PEOPLE INACTIVE UNDERSUSED MONEY 
              5.  Mortgage Payments Are Covered And Equity Is Built up..
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              7. ==========

                BUILDING WEALTH THROUGH REAL ESTATE AND RETIRE COMFORTABLY. https://www.facebook.com/visiononerealestates
                Real Estate Renting vs owning: The best choice for a home might surprise you... https://www.facebook.com/visionairerealestate
                The demand for a home in South Florida is making it increasingly difficult to find even a rental to stay in, causing rents to also spike.
                It may be at least another year or two before the housing market cools off enough, if at all, meaning that potential homebuyers could be waiting awhile. https://www.facebook.com/visiononeholding
                “It’s better to try and buy a single-family home if you can, because people are taking whatever they can get. For rent or buying, there just isn’t enough inventory in either category,”
                Waiting out the current housing market also runs the risk that interest rates will rise.
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                Real estate is considered a good investment...
                Reasons to Invest in Real Estate..
                Cash Flow. ... - Tax Breaks and Deductions. ... - Appreciation. ...
                Build Equity and Wealth. ... - Portfolio Diversification.
                Real Estate Leverage.
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                Real estate investors make money through rental income, appreciation, and profits generated by business activities that depend on the property.
                The benefits of investing in real estate include passive income, stable cash flow, tax advantages, diversification, and leverage
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                Inflation Hedge...
                The inflation hedging capability of real estate stems from the positive relationship between GDP growth and the demand for real estate. As economies expand, the demand for real estate drives rents higher.
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                Real Estate Investment Trusts (REITs)
                If you want to invest in real estate, but aren't ready to make the jump into owning and managing properties, you may want to consider a real estate investment trust (REIT). You can buy and sell publicly-traded REITs on major stock exchanges,
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                ADVANTAGES OF INVESTING AND OWN REAL ESTATE PROPERTIES
                Real Estate Leverage
                Leverage is the use of various financial instruments or borrowed capital (e.g., debt) to increase an investment's potential return.
                A 20% down payment on a mortgage, for example, gets you 100% of the house you want to buy—that's leverage. Because real estate is a tangible asset and one that can serve as collateral, financing is readily available. http://realestateworldclass.blogspot.com/
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                Build Equity and Wealth
                As you pay down a property mortgage, you build equity—an asset that's part of your net worth. And as you build equity, you have the leverage to buy more properties and increase cash flow and wealth even more.
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                Appreciation
                Real estate investors make money through rental income, any profits generated by property-dependent business activity, and appreciation. Real estate values tend to increase over time, and with a good investment, you can turn a profit when it's time to sell. Rents also tend to rise over time, which can lead to higher cash flow. https://antonyrealestate.blogspot.com
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                Cash Flow
                Cash flow is the net income from a real estate investment after mortgage payments and operating expenses have been made. A key benefit of real estate investing is its ability to generate cash flow. In many cases, cash flow only strengthens over time as you pay down your mortgage—and build up your equity.
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                Tax Breaks and Deductions
                Real estate investors can take advantage of numerous tax breaks and deductions that can save money at tax time. In general, you can deduct the reasonable costs of owning, operating, and managing a property.
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                Still, real estate is a distinct asset class that's simple to understand and can enhance the risk-and-return profile of an investor's portfolio.
                On its own, real estate offers cash flow, tax breaks, equity building, competitive risk-adjusted returns, and a hedge against inflation.
                Real estate can also enhance a portfolio by lowering volatility through diversification, whether you invest in physical properties or REITs. WWW.FACEBOOK.COM/VISIONONEREALESTATES
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                Protect Your Rental Income
                Looking for a better way to minimize your vacancy losses and get quality residents? Mynd Property Management provides owners with a seamless management experience.
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                Wealth-seeking individuals capitalizing on a very unique income opportunity.
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