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Logue</b></b> is a freelance writer and consulting analyst. She has written for <i>Barron&#8217;s,</i> the <i>New York Times, Newsweek Japan, Compliance Week,</i> and the <i>International Monetary Fund.</i> She&#8217;s a lecturer at the Liautaud Graduate School of Business at the University of Illinois at Chicago. Her current career follows 12 years of experience as an investment analyst. She has a BA from Northwestern University, an MBA from the University of Chicago, and she holds the Chartered Financial Analyst designation.</p>","authors":[{"authorId":9152,"name":"Ann C. Logue","slug":"ann-c-logue","description":" <b>Ann C. Logue</b> is a freelance writer and consulting analyst. She has written for <i>Barron&#8217;s,</i> the <i>New York Times, Newsweek Japan, Compliance Week,</i> and the <i>International Monetary Fund.</i> She&#8217;s a lecturer at the Liautaud Graduate School of Business at the University of Illinois at Chicago. Her current career follows 12 years of experience as an investment analyst. She has a BA from Northwestern University, an MBA from the University of Chicago, and she holds the Chartered Financial Analyst designation.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9152"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;stocks&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394227563&quot;]}]\" id=\"du-slot-65d7e04910122\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;stocks&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394227563&quot;]}]\" id=\"du-slot-65d7e04910c17\"></div></div>"},"articleType":{"articleType":"Cheat Sheet","articleList":[{"articleId":158540,"title":"Equipment for a Day Trader's Office","slug":"equipment-for-a-day-traders-office","categoryList":["business-careers-money","personal-finance","investing","day-trading"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/158540"}},{"articleId":158541,"title":"Day-Trading Lingo to Know","slug":"day-trading-lingo-to-know","categoryList":["business-careers-money","personal-finance","investing","day-trading"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/158541"}},{"articleId":158539,"title":"Trading with Technical Analysis Indicators","slug":"trading-with-technical-analysis-indicators","categoryList":[],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/158539"}},{"articleId":158542,"title":"Calculating Your Day Trading Performance","slug":"calculating-your-day-trading-performance","categoryList":[],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/158542"}}],"content":[{"title":"Equipment for a day trader's office","thumb":null,"image":null,"content":"<p>If you want to work as a day trader from a home office, the right equipment will let you act quickly when you need to trade and help you stay organized. Here&#8217;s the basic setup you&#8217;ll need:</p>\n<ul class=\"level-one\">\n<li>\n<p class=\"Bullet\"><b>A laptop and a few good monitors:</b> Most personal computers sold nowadays have the processing power to handle day trading. Because you’ll be spending a lot of time in front of it, do yourself a favor and get at least one large flat-screen monitor so that you can have at least two windows open at once. Two is probably better.</p>\n</li>\n<li>\n<p class=\"first-para\"><strong>A mobile backup:</strong> Computers are fickle. No matter which brand you buy, you’re subject to different mechanical or software glitches that can shut you down. Keep your broker’s app on your phone so that you can switch over quickly if needed.</p>\n</li>\n<li>\n<p class=\"first-para\"><strong>An online brokerage account:</strong> Several brokerage firms specialize in the needs of high-volume traders. They offer online access, real-time quotes, backtesting and other analytical services, and low commission to those who make many trades.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Spreadsheet software:</b> Still haven&#8217;t figured out Microsoft Excel? It&#8217;s time. Spreadsheets will help you track performance and analyze returns. (Excel 2013 For Dummies, by Greg Harvey [Wiley] can help you figure it out.)</p>\n</li>\n<li>\n<p class=\"first-para\"><b>An online brokerage account: </b>Several brokerage firms specialize in the needs of high-volume traders. They offer online access, real-time quotes, backtesting and other analytical services, and low commission to those who make many trades.</p>\n</li>\n</ul>\n"},{"title":"Day-trading lingo to know","thumb":null,"image":null,"content":"<p>Every business has its own special language, and day trading is no different. Here are a few terms you may come across:</p>\n<ul class=\"level-one\">\n<li>\n<p class=\"first-para\"><b>Fibonacci series:</b> The Fibonacci series is a list of numbers, each of which is the sum of the two numbers before it. It stretches into infinity but starts like this: 0, 1, 1, 2, 3, 5, 8, 13. Proportions based on the Fibonacci series show up throughout nature, and many believe that they indicate profitable trading opportunities.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Kelly criterion:</b> Want to trade with a guarantee of success? It&#8217;s mathematically possible using the Kelly criterion. In its simplest version, the percentage of your account that you trade is equal to the probability of the trade going up minus the probability of it going down. If your testing shows you that a strategy works 60 percent of the time and fails 40 percent of the time, then each time you trade with it, you would trade 20 percent of your funds: 0.60 – 0.40.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Pattern day trader:</b> Regulations define this as someone with at least $25,000 on account, who executes four or more day trades within five business days, with those trades representing more than six percent of the customer&#8217;s total trades. This is important for how the brokerage firm handles margin activity.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Wash-sale rule:</b> The wash-sale rule is a tax trap that catches many day traders. It says that if you sell a security at a loss, you can&#8217;t deduct the loss if you buy the same security 30 days before or after the sale. Day traders might buy and sell the same security several times in one day. There are ways around the wash-sale rule, but they require some planning and careful recordkeeping.</p>\n</li>\n</ul>\n"},{"title":"Trading with technical analysis indicators","thumb":null,"image":null,"content":"<p>Using technical analysis, day traders often look for patterns in recent prices and trading volume to determine whether a security is likely to do especially well or especially poorly. Here are brief definitions of some technical indicators you&#8217;re likely to come across:</p>\n<ul class=\"level-one\">\n<li>\n<p class=\"first-para\"><b>Average true range:</b> The true range is found by calculating the exponential average of the difference between the higher of today&#8217;s high and yesterday&#8217;s close and the lower of today&#8217;s low and yesterday&#8217;s close. Average these for 14 days, and you get the average true range. Usually, you sell a security trading at or above the high and buy one trading at or above the low.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Bollinger Bands:</b> A Bollinger Band is a trading limit set at two standard deviations above and below the 20-day moving average of a security. Traders look to sell near the top of the band and buy near the bottom.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Commodity Channel Index (CCI):</b> This technique is used to identify seasonal turns in agricultural commodities and other securities that have different supply and demand levels during the course of the year. When a security goes above the CCI, it&#8217;s probably time to sell.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Momentum:</b> Traders looking for momentum buy securities that are going up in price if the volume traded is also going up, and they sell securities that are going down in price if the volume traded is going down.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Relative Strength Index (RSI):</b> The Relative Strength Index is the average of the number of upward price movements in a period divided by the average of the number of downward price movements. The higher the RSI, the more interested people are in buying rather than selling.</p>\n</li>\n</ul>\n"},{"title":"Calculating your day trading performance","thumb":null,"image":null,"content":"<p>The goal of day trading is to make money, but when the trades are coming fast and furious, figuring out how you&#8217;re doing can be hard. Here are a couple simple ideas that let you gauge your performance as a day trader:</p>\n<ul class=\"level-one\">\n<li>\n<p class=\"first-para\"><b>Batting average:</b> What&#8217;s the number of winning trades relative to the total number of trades you make? This number gives you a rough idea of how often you&#8217;re making money, although it doesn&#8217;t tell you how much money you&#8217;re making. If at least half of your trades are winners, you&#8217;re on the right track.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Modified Dietz method:</b> This is a quick way to gauge your performance when you have been adding money to your account or taking it out. What it loses in accuracy, it makes up for in simplicity. Here&#8217;s the equation for the Modified Dietz method:</p>\n<p><img loading=\"lazy\" src=\"//coursofppt.com/wp-content/uploads/407187.image0.png\" alt=\"image0.png\" width=\"248\" height=\"40\" /></p>\n<p class=\"child-para\"><i>EOY</i> represents the end of year asset value<i> </i>and <i>BOY</i> represents the beginning of year value.</p>\n</li>\n</ul>\n"}],"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Explore","lifeExpectancy":"Five years","lifeExpectancySetFrom":"2025-02-22T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":207779},{"headers":{"creationTime":"2025-02-22T20:03:14+00:00","modifiedTime":"2025-02-22T21:42:22+00:00","timestamp":"2025-02-23T00:01:12+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Investing","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34288"},"slug":"investing","categoryId":34288},{"name":"Investment Vehicles","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34290"},"slug":"investment-vehicles","categoryId":34290},{"name":"Funds","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34296"},"slug":"funds","categoryId":34296}],"title":"Mutual Fund Investing For Canadians For Dummies Cheat Sheet","strippedTitle":"mutual fund investing for canadians for dummies cheat sheet","slug":"mutual-fund-investing-for-canadians-for-dummies-cheat-sheet","canonicalUrl":"","网络搜字段擎推广":{"metaDescription":"Learn the do's and don'ts of mutual fund investing in Canada with our cheat sheet. Choose the right funds to grow your wealth and achieve your financial goals.","noIndex":0,"noFollow":0},"content":"Mutual funds have been around for decades and despite other types of investments finding their way into investor portfolios, these securities are still king in Canada. Despite their still sky-high fees, mutual funds offer investors an easy way to buy into a diversified basket of stocks and bonds, which is really all you need for growing your wealth. Here are a few key points to keep in mind when considering these investments.","description":"Mutual funds have been around for decades and despite other types of investments finding their way into investor portfolios, these securities are still king in Canada. Despite their still sky-high fees, mutual funds offer investors an easy way to buy into a diversified basket of stocks and bonds, which is really all you need for growing your wealth. Here are a few key points to keep in mind when considering these investments.","blurb":"","authors":[{"authorId":34416,"name":"Bryan Borzykowski","slug":"bryan-borzykowski","description":" <p><b>Bryan Borzykowski,</b> founder and director of ALLCAPS Content, is an award-winning business journalist specialising in investing, personal finance, and small businesses. Bryan is the author of <i>ETFs For Canadians For Dummies</i> and <i>Day Trading For Canadians For Dummies</i>. <b>Andrew Bell</b> is a host on the Business News Network. He previously worked as an investment reporter and editor with <i>The Globe and Mail. </i> ","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/34416"}},{"authorId":34408,"name":"Andrew Bell","slug":"andrew-bell","description":" <p><b>Bryan Borzykowski,</b> founder and director of ALLCAPS Content, is an award-winning business journalist specialising in investing, personal finance, and small businesses. Bryan is the author of <i>ETFs For Canadians For Dummies</i> and <i>Day Trading For Canadians For Dummies</i>. <b>Andrew Bell</b> is a host on the Business News Network. He previously worked as an investment reporter and editor with <i>The Globe and Mail. </i> ","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/34408"}}],"primaryCategoryTaxonomy":{"categoryId":34296,"title":"Funds","slug":"funds","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34296"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":296619,"title":"Hedge Funds For Dummies Cheat Sheet","slug":"hedge-funds-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","funds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296619"}},{"articleId":209064,"title":"Mutual Funds For Dummies Cheat Sheet","slug":"mutual-funds-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","funds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/209064"}},{"articleId":208448,"title":"Exchange-Traded Funds For Dummies Cheat Sheet","slug":"exchange-traded-funds-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","funds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208448"}},{"articleId":199934,"title":"Introducing Basic Types of Hedge Funds","slug":"introducing-basic-types-of-hedge-funds","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","funds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/199934"}},{"articleId":198378,"title":"Hedge Fund Fees to Expect with Your Investment","slug":"hedge-fund-fees-to-expect-with-your-investment","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","funds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/198378"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":301539,"slug":"mutual-fund-investing-for-canadians-for-dummies","isbn":"9781394219766","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","funds"],"amazon":{"default":"//www.amazon.com/gp/product/1394219768/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1394219768/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1394219768-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1394219768/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1394219768/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/mutual-fund-investing-for-canadians-for-dummies-2e-cover-9781394219766-203x255.jpg","width":203,"height":255},"title":"Mutual Fund Investing For Canadians For Dummies","testBankPinActivationLink":"","bookOutOfPrint":true,"authorsInfo":"<p><p><b><b data-author-id=\"34416\">Bryan Borzykowski</b>,</b> founder and director of ALLCAPS Content, is an award-winning business journalist specialising in investing, personal finance, and small businesses. Bryan is the author of <i>ETFs For Canadians For Dummies</i> and <i>Day Trading For Canadians For Dummies</i>. <b>Andrew Bell</b> is a host on the Business News Network. He previously worked as an investment reporter and editor with <i>The Globe and Mail. </i> <p><b>Bryan Borzykowski,</b> founder and director of ALLCAPS Content, is an award-winning business journalist specialising in investing, personal finance, and small businesses. Bryan is the author of <i>ETFs For Canadians For Dummies</i> and <i>Day Trading For Canadians For Dummies</i>. <b><b data-author-id=\"34408\">Andrew Bell</b></b> is a host on the Business News Network. He previously worked as an investment reporter and editor with <i>The Globe and Mail. </i></p>","authors":[{"authorId":34416,"name":"Bryan Borzykowski","slug":"bryan-borzykowski","description":" <p><b>Bryan Borzykowski,</b> founder and director of ALLCAPS Content, is an award-winning business journalist specialising in investing, personal finance, and small businesses. Bryan is the author of <i>ETFs For Canadians For Dummies</i> and <i>Day Trading For Canadians For Dummies</i>. <b>Andrew Bell</b> is a host on the Business News Network. He previously worked as an investment reporter and editor with <i>The Globe and Mail. </i> ","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/34416"}},{"authorId":34408,"name":"Andrew Bell","slug":"andrew-bell","description":" <p><b>Bryan Borzykowski,</b> founder and director of ALLCAPS Content, is an award-winning business journalist specialising in investing, personal finance, and small businesses. Bryan is the author of <i>ETFs For Canadians For Dummies</i> and <i>Day Trading For Canadians For Dummies</i>. <b>Andrew Bell</b> is a host on the Business News Network. He previously worked as an investment reporter and editor with <i>The Globe and Mail. </i> ","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/34408"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;funds&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394219766&quot;]}]\" id=\"du-slot-65d7e0488ce1f\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;funds&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394219766&quot;]}]\" id=\"du-slot-65d7e0488d851\"></div></div>"},"articleType":{"articleType":"Cheat Sheet","articleList":[{"articleId":0,"title":"","slug":null,"categoryList":[],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/"}}],"content":[{"title":"Mutual Fund Basics","thumb":null,"image":null,"content":"<p>Mutual funds are the investing equivalent of a shopping cart full of fruit: you’ve got your apples — both red and green — watermelon, oranges, honey dew, and maybe some papaya. You may even have a few exotic fruits from another country that somehow made their way into your local Superstore or Metro. Now, in this analogy, you really got to love fruit. If you do and then dig in, you have a pretty delicious snack. It doesn’t matter if two of those fruits are rotten — you still have enough good stuff to eat.</p>\n<p>With mutual funds, you’re not owning a variety of fruits, but rather you’re holding a bunch of different stocks and bonds — companies headquartered in Canada, the U.S., Europe, and a few places in Asia. You have businesses in the tech sector, but also in energy, financials, healthcare, and more. If a few of those companies end up giving you a bad taste in your mouth, the others should still produce tasty returns.</p>\n<p>People love mutual funds, because, on the surface, they’re super easy to understand — every fund holds a bunch of investments, usually chosen by a professional stock picker, named a <em>fund manager.</em> When the stocks in the fund do well, you do well and vice versa.</p>\n<p>Now, funds aren’t quite as simple as a basket of fruit. Many funds come with high fees that can eat into your overall returns. The way they’re sold and how the person who sells you those funds are compensated can be extremely confusing. And plenty of options sound interesting but should be nowhere near the average investor’s portfolio.</p>\n<p>At the same time, those professional managers often have trouble generating returns above standard benchmarks. That’s why index funds and exchange-traded funds – mutual fund-like securities that simply hold all the same stocks in an index, such as the S&amp;P 500 or S&amp;P/TSX Composite Index — have become so popular over the years.</p>\n<p>Mutual funds are by no means perfect, but they’re still wildly popular in Canada, and ultimately, give investors all they need to grow their wealth.</p>\n"},{"title":"Mutual Fund Investing Do’s and Don’ts","thumb":null,"image":null,"content":"<p>Do:</p>\n<ul>\n<li><strong>Invest now. </strong>You’re not going to win the lottery.</li>\n<li><strong>Buy a bond fund.</strong> Over the last decade, you did well by simply owning equity. But stocks can be volatile beasts, as we are reminded in recent years. Holding bonds as well as stocks in your portfolio provides the diversification needed to smooth out your long-term investment ride.</li>\n<li><strong>Own index funds.</strong> Even better, own exchange traded funds that mindlessly track the Canadian, U.S., and international stock markets, plus a couple of regular Canadian and global equity funds. That way, if some of your funds go into a slump, you’ll probably still have some winners.</li>\n<li><strong>Get your money into a registered retirement savings plan (RRSP) or tax-free savings account (TFSA) as soon as possible. </strong>And then leave it there. (Which one you choose to use depends on your savings’ objectives and how much you have to invest.)</li>\n<li><strong>Ask to see a sample account statement when buying a fund.</strong> If you can’t understand it, or if they don’t have one to show you, then shop elsewhere. If you can’t tell how much your funds are earning for you, how do you know if they’re doing their job?</li>\n<li><strong>Look for funds with low and easy-to-understand annual expenses, top-quality holdings, and a broad mix of investments.</strong></li>\n</ul>\n<p>Don’t:</p>\n<ul>\n<li><strong>Invest in a hot opportunity you heard about.</strong> If you already heard about a hot investment opportunity, it’s too late.</li>\n<li><strong>Invest in commodities you don’t understand. </strong>Pretty well everything that’s worth investing in is also easy to explain and understand. That’s why tech stocks have been such a great way to lose money in the past.</li>\n<li><strong>Buy funds purely because of a star manager.</strong> Star fund managers almost invariably go into a slump and either drop back into the pack or even become underperformers.</li>\n<li><strong>Buy complicated funds.</strong> The more bells and whistles attached to the fund, or the fancier the concept, the higher the expenses — and that reduces your return.</li>\n</ul>\n"},{"title":"Types of Mutual Funds Defined","thumb":null,"image":null,"content":"<p>There are many many (and many) different types of mutual funds. What you choose will depend on your financial goals, risk tolerance levels and more. Here are the key kinds of funds you’ll want to consider adding to your portfolio.</p>\n<p><strong>Balanced funds:</strong> These funds have a little bit of everything — but in particular, a mix of stocks and bonds in one place — for bone-lazy mutual fund customers. Just dump your money in and let someone else worry about how to invest it but beware of high costs and returns that can be hard to judge.</p>\n<p><strong>Fixed-income funds:</strong> An essential ingredient in just about anyone’s fund arsenal, these funds usually hold longer-term government and corporate bonds. You earn plenty of interest and a steady return.</p>\n<p><strong>Dividend funds:</strong> A collection of high-quality conservative shares that produce a stream of lighter taxed payments, ideal for investors who want to get regular income from their funds.</p>\n<p><strong>Equity funds: </strong>These funds give you a tiny stake — in the form of stocks and shares — in lots of companies. They’re available in a vast array of flavours, from sensible to downright silly.</p>\n<p><strong>Fund packages:</strong> Nourishing stews of funds (if a little dull) with impressive-sounding names and, often, complicated rules. Typically referred to as wraps or managed portfolios, they are a useful solution if you want to just buy a grab-bag of investments and forget about them. But, as ever, watch out for those sneaky annual fees.</p>\n<p><strong>Index and exchange-traded funds:</strong> The elegant kings and queens of funds — and something that every investor should own. These beauties simply give you a return that’s in line with the entire stock and bond market by holding just about every share and bond that matters. No muss, no fuss, and nice low annual expenses for you, especially when it comes to ETFs. They’ll never top any performance leagues, but they won’t crash and burn in a plume of black acrid oily smoke, either. (Well, unless the entire market goes bust.)</p>\n<p><strong>Money market funds: </strong>Almost as dull as that hilarious story you tell about your cute kid. Buy one of these and you’re lending money for short periods to the government or to big companies. Park your money in one and watch it grow slowly. Your savings aren’t at risk — as long as a giant meteor doesn’t land on our nation’s capital.</p>\n<p><strong>Segregated funds:</strong> Mutual funds with belt, braces, and a parachute strapped on. This gang guarantees to at least refund your investment if you hang onto the fund for years — or to pay the cash to your heirs if your die. Sounds like a great deal but watch out for high annual fees and complicated rules.</p>\n"}],"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Advance","lifeExpectancy":"Two years","lifeExpectancySetFrom":"2025-02-22T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":301598},{"headers":{"creationTime":"2024-11-21T20:57:06+00:00","modifiedTime":"2024-11-21T20:57:06+00:00","timestamp":"2024-11-21T21:01:10+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Investing","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34288"},"slug":"investing","categoryId":34288},{"name":"Investment Vehicles","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34290"},"slug":"investment-vehicles","categoryId":34290},{"name":"Bonds","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34291"},"slug":"bonds","categoryId":34291}],"title":"Bond Investing For Canadians For Dummies Cheat Sheet","strippedTitle":"bond investing for canadians for dummies cheat sheet","slug":"bond-investing-for-canadians-for-dummies-cheat-sheet","canonicalUrl":"","网络搜字段擎推广":{"metaDescription":"Learn how to read bond ratings and invest in bonds with confidence. 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","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9023"}}],"primaryCategoryTaxonomy":{"categoryId":34291,"title":"Bonds","slug":"bonds","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34291"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":275083,"title":"How to Invest in Bonds","slug":"how-to-invest-in-bonds","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/275083"}},{"articleId":208279,"title":"Bond Investing For Dummies Cheat Sheet","slug":"bond-investing-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208279"}},{"articleId":207444,"title":"Investing in Bonds For Dummies Cheat Sheet","slug":"investing-in-bonds-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/207444"}},{"articleId":202959,"title":"Buying U.S. Savings Bonds in an Uncertain Economy","slug":"buying-u-s-savings-bonds-in-an-uncertain-economy","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202959"}},{"articleId":202861,"title":"Savings Bonds Pros and Cons","slug":"savings-bonds-pros-and-cons","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202861"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":301207,"slug":"bond-investing-for-canadians-for-dummies","isbn":"9781394216253","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"amazon":{"default":"//www.amazon.com/gp/product/1394216254/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1394216254/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1394216254-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1394216254/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1394216254/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/bond-investing-for-canadians-for-dummies-9781394216253-203x255.jpg","width":203,"height":255},"title":"Bond Investing For Canadians For Dummies","testBankPinActivationLink":"","bookOutOfPrint":true,"authorsInfo":"<p><b><b data-author-id=\"34409\">Andrew Dagys</b></b>, CMA, is a best-selling author who has written and coauthored several books, including <i>Stocking Investing For Canadians For Dummies</i> and <i>Investing Online For Canadians For Dummies</i>. He has appeared on Canada AM and several popular CBC broadcasts to offer his insights on the Canadian and world investment landscapes. Andrew has contributed columns to <i>CanadianLiving</i>, <i>Forever Young</i>, and other publications. He has appeared on Canada AM and several popular CBC broadcasts to offer his insights on the Canadian and world investment landscapes. <p><b><b data-author-id=\"9023\">Russell Wild</b></b> is a NAPFA certified financial advisor and principal of Global Portfolios, an investment advisory firm based in Allentown, PA that works with clients of both substantial and modest means. He has written two dozen books and numerous articles on financial matters.</p>","authors":[{"authorId":34409,"name":"Andrew Dagys","slug":"andrew-dagys","description":"<b>Andrew Dagys</b>, CMA, is a best-selling author who has written and coauthored several books, including <i>Stocking Investing For Canadians For Dummies</i> and <i>Investing Online For Canadians For Dummies</i>. He has appeared on Canada AM and several popular CBC broadcasts to offer his insights on the Canadian and world investment landscapes. Andrew has contributed columns to <i>CanadianLiving</i>, <i>Forever Young</i>, and other publications. He has appeared on Canada AM and several popular CBC broadcasts to offer his insights on the Canadian and world investment landscapes.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/34409"}},{"authorId":9023,"name":"Russell Wild","slug":"russell-wild","description":" <p><b>Russell Wild</b> is a NAPFA certified financial advisor and principal of Global Portfolios, an investment advisory firm based in Allentown, PA that works with clients of both substantial and modest means. He has written two dozen books and numerous articles on financial matters. ","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9023"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;bonds&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394216253&quot;]}]\" id=\"du-slot-655d1a96536c6\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;bonds&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394216253&quot;]}]\" id=\"du-slot-655d1a9653f2e\"></div></div>"},"articleType":{"articleType":"Cheat Sheet","articleList":[{"articleId":0,"title":"","slug":null,"categoryList":[],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/"}}],"content":[{"title":"How to read bond ratings","thumb":null,"image":null,"content":"<p>Before you buy a bond, get an idea of how much financial muscle the issuer has. Bond ratings are available through any brokerage house. Three of the most popular rating services are Moody’s, Standard &amp; Poor’s, and Fitch. Other rating services exist such as DBRS Morningstar and the smaller A.M. Best, the former having especially strong knowledge of Canadian bond issues. The following table shows the system each of the Big Three agencies uses to rate bonds.</p>\n<h3>Bond Credit Quality Ratings</h3>\n<table aria-rowcount=\"14\">\n<tbody>\n<tr aria-rowindex=\"2\">\n<td><strong>Credit risk ratings</strong></td>\n<td><strong>Moody’s</strong></td>\n<td><strong>Standard &amp; Poor’s</strong></td>\n<td><strong>Fitch</strong></td>\n</tr>\n<tr aria-rowindex=\"3\">\n<td><strong>Investment grade</strong></td>\n<td></td>\n<td></td>\n<td></td>\n</tr>\n<tr aria-rowindex=\"4\">\n<td>Tip-top quality</td>\n<td>Aaa</td>\n<td>AAA</td>\n<td>AAA</td>\n</tr>\n<tr aria-rowindex=\"5\">\n<td>Premium quality</td>\n<td>Aa</td>\n<td>AA</td>\n<td>AA</td>\n</tr>\n<tr aria-rowindex=\"6\">\n<td>Near-premium quality</td>\n<td>A</td>\n<td>A</td>\n<td>A</td>\n</tr>\n<tr aria-rowindex=\"7\">\n<td>Take-home-to-Mom quality</td>\n<td>Baa</td>\n<td>BBB</td>\n<td>BBB</td>\n</tr>\n<tr aria-rowindex=\"8\">\n<td><strong>Not investment grade</strong></td>\n<td></td>\n<td></td>\n<td></td>\n</tr>\n<tr aria-rowindex=\"9\">\n<td>Borderline ugly</td>\n<td>Ba</td>\n<td>BB</td>\n<td>BB</td>\n</tr>\n<tr aria-rowindex=\"10\">\n<td>Ugly</td>\n<td>B</td>\n<td>B</td>\n<td>B</td>\n</tr>\n<tr aria-rowindex=\"11\">\n<td>Definitely don’t-take-home-to-Mom quality</td>\n<td>Caa</td>\n<td>CCC</td>\n<td>CCC</td>\n</tr>\n<tr aria-rowindex=\"12\">\n<td>You’ll be extremely lucky to get your money back</td>\n<td>Ca</td>\n<td>CC</td>\n<td>CC</td>\n</tr>\n<tr aria-rowindex=\"13\">\n<td>Interest payments have halted or bankruptcy is in process</td>\n<td>C</td>\n<td>D</td>\n<td>C</td>\n</tr>\n<tr aria-rowindex=\"14\">\n<td>Already in default</td>\n<td>C</td>\n<td>D</td>\n<td>D</td>\n</tr>\n</tbody>\n</table>\n<p>Bond ratings are available through any brokerage house.</p>\n"},{"title":"Questions to ask a bond broker about a bond","thumb":null,"image":null,"content":"<p>As you enter the world of bond investing, you may choose to work with a broker. But use some caution. Ask the questions in the following list — and get acceptable answers — before parting with your cash.</p>\n<h3>Who is the bond issuer?</h3>\n<p>Is it the Bank of Canada? Ontario Hydro? City of Vancouver? The Russian Federation? Gus’s Hardware Store? A bond is an IOU, and an IOU is only as good as the entity that owes U. In addition, different kinds of bonds have different characteristics, such as taxability, callability, and volatility.</p>\n<h3>How is the bond rated?</h3>\n<p>Especially among Canadian and US corporate bonds (more likely to default than municipal, provincial, or agency bonds), you want to know whether the company issuing the bond is financially stable. Ratings are readily available through any brokerage house.</p>\n<h3>What is the maturity date?</h3>\n<p>Long-term bonds tend to pay higher rates of interest, but your money is tied for longer and the price of the bond, should you wish to sell it before maturity, tends to be more volatile.</p>\n<h3>What is the yield-to-maturity?</h3>\n<p>There are many ways of measuring a bond’s return. Yield-to-maturity is perhaps the most important measure. (Bond funds, which have no maturity, can be more difficult to compare.)</p>\n<h3>Is the bond callable?</h3>\n<p>Can the issuer of the bond hand you back your money at any time? All things being equal, a callable bond is not desirable, and you should get more interest in compensation for the call feature.</p>\n<h3>What’s the worst-case yield?</h3>\n<p>Suppose the bond does get called. What would be your yield on the bond at that point? When comparing callable bonds, this figure is very important.</p>\n"},{"title":"Important websites for bond investors","thumb":null,"image":null,"content":"<p>Successful bond investing isn’t about luck. It’s about researching markets and comparing offers. (And luck.) These six websites serve as your navigation guide through the vast universe of bonds and bond funds.</p>\n<ul>\n<li><a href=\"//www.finra.org/#/\" target=\"_blank\" rel=\"noopener\">FINRA:</a> Find scores of information on US bond yields, prices, and trends at the Financial Industry Regulatory Authority site.</li>\n<li><a href=\"//www.ciro.ca/\" target=\"_blank\" rel=\"noopener\">IIROC and CIRO</a>: IIROC is a Canadian organization that tracks all investment dealers and trading activity on Canada’s debt and equity marketplaces. It stands for the Investment Industry Regulatory Organization of Canada. IIROC’s website will continue to migrate and move items off IIROC.ca to the newly-named Canadian Investment Regulatory Organization (CIRO) at CIRO.ca throughout 2023 and well into 2024.</li>\n<li><a href=\"//www.bloomberg.com/\" target=\"_blank\" rel=\"noopener\">Bloomberg</a>: At the Bloomberg site, go to Markets, Market Data, Rates &amp; Bonds for up-to-date information on multiple bond markets.</li>\n<li><a href=\"//finance.yahoo.com/\" target=\"_blank\" rel=\"noopener\">Yahoo! Finance</a>: This site offers scads of information on individual bonds and bond funds. Be aware that you’re looking at both news and advertisements, and they get easily jumbled on the screen.</li>\n<li><a href=\"//www.moneychimp.com/calculator/compound_interest_calculator.htm\" target=\"_blank\" rel=\"noopener\">Moneychimp calculator</a>: Here, you can put in the price of the bond, the coupon rate, and the maturity date, and out comes the all-important yield-to-maturity.</li>\n</ul>\n"}],"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Advance","lifeExpectancy":"Two years","lifeExpectancySetFrom":"2024-11-21T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":301216},{"headers":{"creationTime":"2023-12-08T22:27:44+00:00","modifiedTime":"2024-11-03T17:40:19+00:00","timestamp":"2024-11-03T18:01:12+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Investing","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34288"},"slug":"investing","categoryId":34288},{"name":"Real Estate","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34299"},"slug":"real-estate","categoryId":34299}],"title":"Real Estate Investing All-in-One For Dummies Cheat Sheet","strippedTitle":"real estate investing all-in-one for dummies cheat sheet","slug":"real-estate-investing-all-in-one-for-dummies-cheat-sheet","canonicalUrl":"","网络搜字段擎推广":{"metaDescription":"This Cheat Sheet helps you determine whether real estate investing is right for you, and it summarizes how to get started once you're ready.","noIndex":0,"noFollow":0},"content":"Successful real estate investing requires smart decisions. To start investing in real estate quickly and easily, ask a few important questions, discover different ways to invest in residential property, and build an effective real estate team.","description":"Successful real estate investing requires smart decisions. To start investing in real estate quickly and easily, ask a few important questions, discover different ways to invest in residential property, and build an effective real estate team.","blurb":"","authors":[{"authorId":8947,"name":"The Experts at Dummies","slug":"the-experts-at-dummies","description":"The Experts at Dummies are smart, friendly people who make learning easy by taking a not-so-serious approach to serious stuff.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/8947"}}],"primaryCategoryTaxonomy":{"categoryId":34299,"title":"Real Estate","slug":"real-estate","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34299"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":300521,"title":"REITs For Dummies Cheat Sheet","slug":"reits-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/300521"}},{"articleId":291208,"title":"Foreclosure Investing For Dummies Cheat Sheet","slug":"foreclosure-investing-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/291208"}},{"articleId":274970,"title":"How Home Ownership Can Help You Achieve Financial Goals","slug":"how-home-ownership-can-help-you-achieve-financial-goals","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/274970"}},{"articleId":274965,"title":"Simple, Profitable Real Estate Investments","slug":"simple-profitable-real-estate-investments","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/274965"}},{"articleId":266690,"title":"Public and Private Real Estate Investment Trusts","slug":"public-and-private-real-estate-investment-trusts","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/266690"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":296148,"slug":"real-estate-investing-all-in-one-for-dummies","isbn":"9781394152841","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"amazon":{"default":"//www.amazon.com/gp/product/1394152841/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1394152841/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1394152841-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1394152841/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1394152841/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/real-estate-investing-all-in-one-for-dummies-cover-9781394152841-203x255.jpg","width":203,"height":255},"title":"Real Estate Investing All-in-One For Dummies","testBankPinActivationLink":"","bookOutOfPrint":true,"authorsInfo":"","authors":[{"authorId":34784,"name":"","slug":"","description":" <p><b>The National Gardening Association </b>is the leading garden-based educational organization in the United States. Visit http//:garden.org.</p> <p><b>Charlie Nardozzi</b> is a nationally recognized garden writer, radio and TV show host, consultant, and speaker. Charlie delights in making gardening information simple, easy, fun, and accessible to everyone.</p> ","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/34784"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;real-estate&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394152841&quot;]}]\" id=\"du-slot-65453569370ce\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;real-estate&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394152841&quot;]}]\" id=\"du-slot-6545356939176\"></div></div>"},"articleType":{"articleType":"Cheat Sheet","articleList":[{"articleId":0,"title":"","slug":null,"categoryList":[],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/"}}],"content":[{"title":"A few questions to ask before you invest in real estate","thumb":null,"image":null,"content":"<p>Most people can succeed at investing in real estate if they’re willing to do their homework. Following, are several important questions to help you decide whether you have what it takes to succeed and be happy with real estate investments that involve managing property.</p>\n<h3><strong>Do you have sufficient time?</strong></h3>\n<p>Purchasing and owning investment real estate and being a landlord are time consuming. The same way an uninformed owner can sell property for less than it’s worth, if you fail to do your homework before purchasing property, you can end up overpaying or buying real estate with a slew of problems.</p>\n<p>Finding competent and ethical real estate professionals takes time. Investigating communities, neighborhoods, and zoning also soaks up plenty of hours, as does examining tenant issues with potential properties.</p>\n<p>As for managing a property, you can hire a property manager to interview tenants, collect the rent, and solve problems such as leaky faucets and broken appliances, but doing so costs money and still requires some of your time.</p>\n<p>Of course, if you hire a competent and experienced property manager, you will be rewarded with less time required for oversight.</p>\n<h3><strong>Can you deal with problems?</strong></h3>\n<p>Challenges and problems inevitably occur when you try to buy a property. Purchase negotiations can be stressful and frustrating. You can also count on some problems coming up when you own and manage investment real estate.</p>\n<p>Most tenants won’t care for a property the way property owners do. If every little problem causes you distress, at a minimum, you should only own rental property with the assistance of a property manager.</p>\n<h3><strong>Does real estate interest you?</strong></h3>\n<p>Some of the best real estate investors have a curiosity and interest in real estate. If you don’t already possess it, such an interest and curiosity <em>can</em> be cultivated. On the other hand, some people simply aren’t comfortable investing in rental property. For example, if you’ve had experience and success with stock market investing, you may be uncomfortable venturing into real estate investments.</p>\n<h3><strong>Can you handle market downturns?</strong></h3>\n<p>Real estate investing isn’t for the faint of heart. Buying and holding real estate is a whole lot of fun when prices and rents are rising. But market downturns happen, and they test you emotionally as well as financially.</p>\n<p>No one has a crystal ball, so don’t expect to be able to buy at the precise bottom of prices and sell at an exact peak of your local market. Even if you make a smart buy now, you’ll inevitably end up holding some of your investment property during a difficult market (recessions where you have trouble finding and retaining quality tenants, where rents and property values may fall rather than rise).</p>\n<p>Do you have the financial (and emotional) wherewithal to handle such a downturn? How have you handled other investments when their values have fallen?</p>\n"},{"title":"Different ways to invest in residential real estate","thumb":null,"image":null,"content":"<p>The first (and one of the best) real estate investments for many people is a home in which to live. Following, are some investment possibilities inherent in buying a home for your own use, including potential profit to be had from converting your home to a rental or fixing it up and selling it.</p>\n<h3><strong>Buy a place of your own</strong></h3>\n<p>Unless you expect to move within the next few years, buying a place may make good long-term financial sense. (Even if you need to relocate, you may decide to continue owning the property and use it as a rental property.)</p>\n<p>In most real estate markets, owning usually costs less than renting over the long haul and allows you to build <em>equity</em> (the dollar difference between market value and the current balance of the mortgage loans against the property) in an asset.</p>\n<h3><strong>Convert your home to a rental</strong></h3>\n<p>Turning your current home into a rental property when you move is a simple way to buy and own more properties. You can do this multiple times (as you move out of homes you own over the years), and you can do this strategy of acquiring rental properties not only with a house, but also with a duplex or another small multi-unit rental property where you reside in one of the units.</p>\n<p>This approach is an option if you’re already considering investing in real estate (either now or in the future), and you can afford to own two or more properties.</p>\n<p>Holding onto your current home when you’re buying a new one is more advisable if you’re moving within the same area so that you’re close by to manage the property.</p>\n<h3><strong>Invest and live in well-situated fixer-uppers</strong></h3>\n<p><em>Serial home selling</em> is a variation on the tried-and-true real estate investment strategy of investing in well-located fixer-upper homes where you can invest your time, sweat equity, and materials to make improvements that add more value than they cost.</p>\n<p>The only catch is that you must actually move into the fixer-upper for at least 24 months to earn the full homeowner’s capital gains exemption of up to $250,000 for single taxpayers and $500,000 for married couples filing jointly.</p>\n<p>Be sure to buy a home in need of that special TLC in a great neighborhood where you’re willing to live for 24 months or more.</p>\n<h3><strong>Purchase a vacation home</strong></h3>\n<p>Many people of means expand their real estate holdings by purchasing a <em>vacation home</em> — a home in an area where they enjoy taking pleasure trips. For most people, buying a vacation home is more of a consumption decision than it is an investment decision. That’s not to say that you can’t make a profit from owning a second home. However, potential investment returns shouldn’t be the main reason you buy a second home.</p>\n<p>Before you buy a second home, weigh all the pros and cons. If you have a partner with whom you’re buying the property, have a candid discussion. Also consult with your tax advisor for other tax-saving strategies for your second home or vacation home.</p>\n"},{"title":"Your real estate investment team","thumb":null,"image":null,"content":"<p>For most people, real estate investing is hands-on and complicated enough to require the services and knowledge of a team of professionals.</p>\n<p>The following is a list of different real estate professionals and service providers you should consider teaming up with as you search for real estate investment opportunities and proceed with the purchase of property:</p>\n<ul>\n<li><strong>Tax advisor:</strong> A good tax advisor can highlight potential benefits and pitfalls of different real estate investment strategies. Make sure that your tax person has experience with real estate investing and understands your needs and specific goals in regard to your property investments.</li>\n<li><strong>Financial advisor:</strong> If you’ve worked with or can locate a financial advisor who sells their time and nothing else, consider hiring them. A true financial advisor can help you understand how real estate investment property purchases fit with your overall financial situation and goals.</li>\n<li><strong>Lender or mortgage broker:</strong> Postpone making an appointment to look at investment properties until after you examine the loans available. You have two resources to consult:\n<ul>\n<li>A lender is any firm, public or private, that directly loans you the cash you need to purchase your property. This type of lender is often referred to as a <em>direct lender.</em> Most often, your list of possible lenders includes banks, credit unions, and private lenders (including property sellers). Lenders tend to specialize in certain types of loans.</li>\n<li>A mortgage broker is a service provider who presents your request for a loan to a variety of different lenders in order to find the best financing for your particular needs. Just like real estate or insurance brokers, a good mortgage broker can be a real asset to your team.</li>\n</ul>\n</li>\n<li><strong>Broker or agent:</strong> Your investment team should include a sharp and energetic real estate broker or agent. All real estate brokers and agents are licensed by the state in which they perform their services.A real estate <em>broker</em> is the highest level of licensed real estate professional, and a licensed real estate sales <em>agent</em> is qualified to handle real estate listings and transactions under the supervision of a broker. The vast majority of real estate licensees are sales agents.</li>\n<li><strong>Appraiser:</strong> An appraiser can be an effective team member if your real estate investment strategy involves buying and selling properties with somewhat-hidden opportunities to add value. Appraisers see many properties over their career and thus often possess insight into real estate opportunities that others miss.</li>\n<li><strong>Attorney:</strong> If you live in an area where attorneys aren’t usually involved in real estate transactions, an attorney may not be necessary. In some states, having an attorney is essential to handle the transaction and closing.In any case, you should consult with an experienced real estate attorney as your investments increase in size and complexity. With more complicated transactions, have the attorney review the documents — even in states where the title or escrow company handles the paperwork and serves as the independent intermediary or closing agent.A good real estate attorney can help you structure proposed transactions. Particularly if you’re looking into a large transaction where you assume loans or you’re attempting to secure special financing, a competent real estate attorney can be invaluable.</li>\n</ul>\n"}],"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Advance","lifeExpectancy":"Five years","lifeExpectancySetFrom":"2023-12-08T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":296220},{"headers":{"creationTime":"2017-03-26T17:47:31+00:00","modifiedTime":"2024-10-09T16:48:07+00:00","timestamp":"2024-10-09T18:01:03+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Investing","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34288"},"slug":"investing","categoryId":34288},{"name":"Investment Vehicles","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34290"},"slug":"investment-vehicles","categoryId":34290},{"name":"Commodities","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34292"},"slug":"commodities","categoryId":34292}],"title":"Invest in Commodities through Physical Silver","strippedTitle":"invest in commodities through physical silver","slug":"invest-in-commodities-through-physical-silver","canonicalUrl":"","网络搜字段擎推广":{"metaDescription":"One way to invest in silver is by purchasing the metal in a bar or coin. But before you do, here is some important advice to follow.","noIndex":0,"noFollow":0},"content":"One of the unique characteristics of silver among other commodities is that you can invest in it by actually buying the stuff, as you can buy gold coins and bars for investment purposes. Most dealers that sell gold generally offer silver coins and bars as well.\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\"><b>100-ounce silver bar:</b> If you’re interested in something substantial, you can buy a 100-ounce silver bar. Before buying it, check the bar to make sure that it’s pure silver (you want 99 percent purity or above).</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>Silver maple coins:</b> These coins, which are a product of the Royal Canadian Mint, are the standard for silver coins around the world. Each coin represents 1 ounce of silver and has a purity of 99.99 percent, making it the most pure silver coin on the market.</p>\r\n</li>\r\n</ul>\r\n<p class=\"TechnicalStuff\">The term <i>sterling silver</i> refers to a specific silver alloy that contains 92.5 percent silver and 7.5 percent copper (other base metals are occasionally used as well). Pure silver is sometimes alloyed with another metal, such as copper, to make it stronger and more durable.</p>\r\nJust remember that if you’re considering silver jewelry as an investment, sterling silver won’t give you as much value in the long term as pure silver.","description":"One of the unique characteristics of silver among other commodities is that you can invest in it by actually buying the stuff, as you can buy gold coins and bars for investment purposes. Most dealers that sell gold generally offer silver coins and bars as well.\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\"><b>100-ounce silver bar:</b> If you’re interested in something substantial, you can buy a 100-ounce silver bar. Before buying it, check the bar to make sure that it’s pure silver (you want 99 percent purity or above).</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>Silver maple coins:</b> These coins, which are a product of the Royal Canadian Mint, are the standard for silver coins around the world. Each coin represents 1 ounce of silver and has a purity of 99.99 percent, making it the most pure silver coin on the market.</p>\r\n</li>\r\n</ul>\r\n<p class=\"TechnicalStuff\">The term <i>sterling silver</i> refers to a specific silver alloy that contains 92.5 percent silver and 7.5 percent copper (other base metals are occasionally used as well). Pure silver is sometimes alloyed with another metal, such as copper, to make it stronger and more durable.</p>\r\nJust remember that if you’re considering silver jewelry as an investment, sterling silver won’t give you as much value in the long term as pure silver.","blurb":"","authors":[{"authorId":9022,"name":"Amine Bouchentouf","slug":"amine-bouchentouf","description":" <b>Amine Bouchentouf</b> is a native Arabic, English, and French speaker born and raised in Casablanca, Morocco. He teaches Arabic and lectures about relations between America and the Arab world.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9022"}}],"primaryCategoryTaxonomy":{"categoryId":34292,"title":"Commodities","slug":"commodities","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34292"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":208627,"title":"Commodities For Dummies Cheat Sheet","slug":"commodities-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208627"}},{"articleId":187975,"title":"Matching Commodities with Commodity Exchanges","slug":"matching-commodities-with-commodity-exchanges","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187975"}},{"articleId":187959,"title":"Growing Interest in Agricultural Commodities","slug":"growing-interest-in-agricultural-commodities","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187959"}},{"articleId":187957,"title":"Commodities and Emerging Markets","slug":"commodities-and-emerging-markets","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187957"}},{"articleId":187956,"title":"Generating Risk-Adjusted Returns","slug":"generating-risk-adjusted-returns","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187956"}}],"fromCategory":[{"articleId":208627,"title":"Commodities For Dummies Cheat Sheet","slug":"commodities-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208627"}},{"articleId":207438,"title":"Investing in Commodities For Dummies Cheat Sheet","slug":"investing-in-commodities-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/207438"}},{"articleId":198903,"title":"Understanding the Real Risks behind Commodities","slug":"understanding-the-real-risks-behind-commodities","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/198903"}},{"articleId":198342,"title":"Risks with Investing in Commodities","slug":"risks-with-investing-in-commodities","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/198342"}},{"articleId":198341,"title":"The Role of Commodity Exchanges in Investment Trading","slug":"the-role-of-commodity-exchanges-in-investment-trading","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/198341"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282094,"slug":"commodities-for-dummies-2nd-edition","isbn":"9781394155156","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"amazon":{"default":"//www.amazon.com/gp/product/1394155158/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1394155158/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1394155158-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1394155158/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1394155158/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/commodities-for-dummies-3rd-edition-1394155158-203x255.jpg","width":203,"height":255},"title":"Commodities For Dummies","testBankPinActivationLink":"","bookOutOfPrint":true,"authorsInfo":"<p><b><b data-author-id=\"9022\">Amine Bouchentouf</b></b> is a native Arabic, English, and French speaker born and raised in Casablanca, Morocco. He teaches Arabic and lectures about relations between America and the Arab world.</p>","authors":[{"authorId":9022,"name":"Amine Bouchentouf","slug":"amine-bouchentouf","description":" <b>Amine Bouchentouf</b> is a native Arabic, English, and French speaker born and raised in Casablanca, Morocco. He teaches Arabic and lectures about relations between America and the Arab world.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9022"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;commodities&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394155156&quot;]}]\" id=\"du-slot-65243fdf56e11\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;commodities&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394155156&quot;]}]\" id=\"du-slot-65243fdf576ae\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Advance","lifeExpectancy":"Five years","lifeExpectancySetFrom":"2024-10-09T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":176509},{"headers":{"creationTime":"2017-03-26T22:50:01+00:00","modifiedTime":"2024-10-09T16:44:35+00:00","timestamp":"2024-10-09T18:01:02+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Investing","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34288"},"slug":"investing","categoryId":34288},{"name":"Investment Vehicles","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34290"},"slug":"investment-vehicles","categoryId":34290},{"name":"Precious Metals","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34297"},"slug":"precious-metals","categoryId":34297}],"title":"Different Styles of Precious Metals Investing","strippedTitle":"different styles of precious metals investing","slug":"distinguishing-between-styles-of-precious-metals-investing","canonicalUrl":"","网络搜字段擎推广":{"metaDescription":"It's important to understand the differences between saving, investing, trading, and speculating before you invest or trade in precious metals.","noIndex":0,"noFollow":0},"content":"Before you start investing or trading in precious metals, you need to understand the concepts of <i>saving</i>, <i>investing</i>, <i>trading</i>, and <i>speculating</i>; otherwise, the financial pitfalls could be very great. The differences aren't just in where your money is but also why and in what manner.\r\n\r\nRight now, millions of people live with no savings and lots of debt, which means that they are speculating with their budgets; retirees are day-trading their portfolios; and financial advisors are telling people to move their money from savings accounts to stocks without looking at the appropriateness of what they're doing.\r\n\r\nMake sure you understand the following terms — knowing the difference is crucial to you in the world of precious metals:\r\n<ul>\r\n \t<li><b>Saving:</b> The classical definition of <i>saving</i> is \"income that has not been spent,\" but the modern-day definition is money set aside in a savings account for a \"rainy day\" or emergency. Ideally, you should have at least three months' worth of gross living expenses sitting blandly in a savings account or money market fund. Although precious metals in the right venue are appropriate for most people, including savers, you need to have cash savings in addition to your precious metals investments. A good example of an appropriate savings venue in precious metals is buying physical gold and/or silver bullion coins as a long-term holding.</li>\r\n \t<li><b>Investing:</b> Investing refers to the act of buying an asset that is meant to be held long-term (in years). The asset will always run into ups and downs, but as long as it's trending upward (a bull market), you'll be okay. Investing in precious metals may not be for everyone, but it is an appropriate consideration for many investment portfolios. The common stock of large or mid-size mining companies is a good example of an appropriate vehicle for investors.</li>\r\n \t<li><b>Trading:</b> Trading is truly short-term in nature and is meant for those with steady nerves and a quick trigger finger. There are many \"trading systems\" out there, and this activity requires extensive knowledge of market behavior along with discipline and a definitive plan. The money employed should be considered risk capital and not money intended for an emergency fund, rent, or retirement. The venue could be mining stocks, but more likely it would be futures and/or options because they are faster-moving markets.</li>\r\n \t<li><b>Speculating:</b> This can be likened to financial gambling. Speculating means making an educated guess about the direction of a particular asset's price move. Speculators look for big price moves to generate a large profit as quickly as possible, but also understand that it can be very risky and volatile. A speculator's appetite for greater potential profit coupled with increased risk is similar to the trader, but the time frame is different. Speculating can be either short-term or long-term. Your venue of choice could be stocks, but more likely, the stocks would typically be of smaller mining companies with greater price potential. Speculating is also done in futures and options.</li>\r\n</ul>","description":"Before you start investing or trading in precious metals, you need to understand the concepts of <i>saving</i>, <i>investing</i>, <i>trading</i>, and <i>speculating</i>; otherwise, the financial pitfalls could be very great. The differences aren't just in where your money is but also why and in what manner.\r\n\r\nRight now, millions of people live with no savings and lots of debt, which means that they are speculating with their budgets; retirees are day-trading their portfolios; and financial advisors are telling people to move their money from savings accounts to stocks without looking at the appropriateness of what they're doing.\r\n\r\nMake sure you understand the following terms — knowing the difference is crucial to you in the world of precious metals:\r\n<ul>\r\n \t<li><b>Saving:</b> The classical definition of <i>saving</i> is \"income that has not been spent,\" but the modern-day definition is money set aside in a savings account for a \"rainy day\" or emergency. Ideally, you should have at least three months' worth of gross living expenses sitting blandly in a savings account or money market fund. Although precious metals in the right venue are appropriate for most people, including savers, you need to have cash savings in addition to your precious metals investments. A good example of an appropriate savings venue in precious metals is buying physical gold and/or silver bullion coins as a long-term holding.</li>\r\n \t<li><b>Investing:</b> Investing refers to the act of buying an asset that is meant to be held long-term (in years). The asset will always run into ups and downs, but as long as it's trending upward (a bull market), you'll be okay. Investing in precious metals may not be for everyone, but it is an appropriate consideration for many investment portfolios. The common stock of large or mid-size mining companies is a good example of an appropriate vehicle for investors.</li>\r\n \t<li><b>Trading:</b> Trading is truly short-term in nature and is meant for those with steady nerves and a quick trigger finger. There are many \"trading systems\" out there, and this activity requires extensive knowledge of market behavior along with discipline and a definitive plan. The money employed should be considered risk capital and not money intended for an emergency fund, rent, or retirement. The venue could be mining stocks, but more likely it would be futures and/or options because they are faster-moving markets.</li>\r\n \t<li><b>Speculating:</b> This can be likened to financial gambling. Speculating means making an educated guess about the direction of a particular asset's price move. Speculators look for big price moves to generate a large profit as quickly as possible, but also understand that it can be very risky and volatile. A speculator's appetite for greater potential profit coupled with increased risk is similar to the trader, but the time frame is different. Speculating can be either short-term or long-term. Your venue of choice could be stocks, but more likely, the stocks would typically be of smaller mining companies with greater price potential. Speculating is also done in futures and options.</li>\r\n</ul>","blurb":"","authors":[{"authorId":9001,"name":"Paul Mladjenovic","slug":"paul-mladjenovic","description":" <p><b>PAUL MLADJENOVIC</b> is a Certified Financial Planner and investing consultant with more than 19 years’ experience writing and teaching about common stocks and related investments. He owns PM Financial Services. ","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9001"}}],"primaryCategoryTaxonomy":{"categoryId":34297,"title":"Precious Metals","slug":"precious-metals","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34297"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":208993,"title":"Precious Metals Investing For Dummies Cheat Sheet","slug":"precious-metals-investing-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208993"}},{"articleId":200969,"title":"Mining the History of Precious Metals","slug":"mining-the-history-of-precious-metals","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/200969"}},{"articleId":199921,"title":"Investment Strategy: Stagger Your Entry to Limit Your Risk","slug":"investment-strategy-stagger-your-entry-to-limit-your-risk","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/199921"}},{"articleId":199072,"title":"Understanding the Difference between a Correction and a Bear Market","slug":"understanding-the-difference-between-a-correction-and-a-bear-market","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/199072"}},{"articleId":192367,"title":"Questions Before You Begin Precious Metals Investing","slug":"questions-before-you-begin-precious-metals-investing","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/192367"}}],"fromCategory":[{"articleId":275885,"title":"How to Sell Collectible Coins","slug":"how-to-sell-collectible-coins","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/275885"}},{"articleId":275879,"title":"The Basics of Numismatic (Collectible) Coins","slug":"the-basics-of-numismatic-collectible-coins","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/275879"}},{"articleId":275874,"title":"10 Reasons to Have Gold and Silver","slug":"10-reasons-to-have-gold-and-silver","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/275874"}},{"articleId":275869,"title":"Investing: Seeking Out Silver Physical Bullion","slug":"investing-seeking-out-silver-physical-bullion","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/275869"}},{"articleId":275861,"title":"Investing: Going for Gold Physical Bullion","slug":"investing-going-for-gold-physical-bullion","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/275861"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282499,"slug":"precious-metals-investing-for-dummies","isbn":"9780470130872","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","precious-metals"],"amazon":{"default":"//www.amazon.com/gp/product/0470130873/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/0470130873/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/0470130873-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/0470130873/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/0470130873/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/precious-metals-investing-for-dummies-cover-9780470130872-203x255.jpg","width":203,"height":255},"title":"Precious Metals Investing For Dummies","testBankPinActivationLink":"","bookOutOfPrint":false,"authorsInfo":"<p><b data-author-id=\"9001\">Paul Mladjenovic</b> is the owner of Prosperity Network and www.Super MoneyLinks.com. He is also the author of <i>Stock Investing For Dummies</i>, 2nd Edition. </p>","authors":[{"authorId":9001,"name":"Paul Mladjenovic","slug":"paul-mladjenovic","description":" <p><b>PAUL MLADJENOVIC</b> is a Certified Financial Planner and investing consultant with more than 19 years’ experience writing and teaching about common stocks and related investments. He owns PM Financial Services. ","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9001"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;precious-metals&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9780470130872&quot;]}]\" id=\"du-slot-65243fdf0be0b\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;precious-metals&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9780470130872&quot;]}]\" id=\"du-slot-65243fdf0ce8d\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Advance","lifeExpectancy":"Five years","lifeExpectancySetFrom":"2024-04-25T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":200454},{"headers":{"creationTime":"2017-03-26T07:23:48+00:00","modifiedTime":"2024-10-05T13:44:22+00:00","timestamp":"2024-10-05T15:01:03+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Investing","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34288"},"slug":"investing","categoryId":34288},{"name":"Investment Vehicles","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34290"},"slug":"investment-vehicles","categoryId":34290},{"name":"Commodities","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34292"},"slug":"commodities","categoryId":34292}],"title":"Modern Portfolio Theory and the Benefits of Diversification","strippedTitle":"modern portfolio theory and the benefits of diversification","slug":"modern-portfolio-theory-and-the-benefits-of-diversification","canonicalUrl":"//coursofppt.com/article/business-careers-money/personal-finance/investing/investment-vehicles/commodities/investing-in-commodities-for-dummies-cheat-sheet-207438/","网络搜字段擎推广":{"metaDescription":"The idea that diversification is a good strategy in portfolio allocation is the cornerstone of Modern Portfolio Theory (MPT). MPT is the brainchild of Nobel Pri","noIndex":1,"noFollow":0},"content":"<p>The idea that diversification is a good strategy in portfolio allocation is the cornerstone of Modern Portfolio Theory (MPT). MPT is the brainchild of Nobel Prize–winning economist Harry Markowitz. In a paper he wrote in 1952 for his doctoral thesis, Markowitz argued that investors must look at a portfolio's overall risk/reward ratio. Although this sounds like common sense today, it was a groundbreaking idea at the time.</p>\r\n<p class=\"Remember\">Before Markowitz's paper, most investors constructed their portfolios based on a risk/reward ratio analysis of individual securities. Investors chose a security based on its individual risk profile and ignored how that risk profile fit within a broader portfolio. Markowitz argued (successfully) that investors could construct more profitable portfolios if they looked at the overall risk/reward ratio of their portfolios.</p>\r\n<p class=\"Tip\">Therefore, when considering an individual security, you need to not only assess its individual risk profile, but also take into account how that risk profile fits within your general investment strategy. Markowitz's idea that holding a group of different securities reduces a portfolio's overall volatility is one of the most important ideas in portfolio allocation.</p>","description":"<p>The idea that diversification is a good strategy in portfolio allocation is the cornerstone of Modern Portfolio Theory (MPT). MPT is the brainchild of Nobel Prize–winning economist Harry Markowitz. In a paper he wrote in 1952 for his doctoral thesis, Markowitz argued that investors must look at a portfolio's overall risk/reward ratio. Although this sounds like common sense today, it was a groundbreaking idea at the time.</p>\r\n<p class=\"Remember\">Before Markowitz's paper, most investors constructed their portfolios based on a risk/reward ratio analysis of individual securities. Investors chose a security based on its individual risk profile and ignored how that risk profile fit within a broader portfolio. Markowitz argued (successfully) that investors could construct more profitable portfolios if they looked at the overall risk/reward ratio of their portfolios.</p>\r\n<p class=\"Tip\">Therefore, when considering an individual security, you need to not only assess its individual risk profile, but also take into account how that risk profile fits within your general investment strategy. Markowitz's idea that holding a group of different securities reduces a portfolio's overall volatility is one of the most important ideas in portfolio allocation.</p>","blurb":"","authors":[{"authorId":9022,"name":"Amine Bouchentouf","slug":"amine-bouchentouf","description":"<strong>Amine Bouchentouf</strong> is managing director at Commodities Investors, LLC, and has been trading the commodity markets for over 20 years.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9022"}}],"primaryCategoryTaxonomy":{"categoryId":34292,"title":"Commodities","slug":"commodities","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34292"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":140505,"title":"A Brief History of the Chicago Mercantile Exchange","slug":"introducing-two-major-commodities-exchanges-chicago-board-of-trade-and-chicago-mercantile-exchange","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/140505"}},{"articleId":140502,"title":"Top 6 Things in an Oil Company's Fleet","slug":"top-6-things-in-an-oil-companys-fleet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/140502"}},{"articleId":140503,"title":"Introducing the New York Board of Trade","slug":"introducing-the-new-york-board-of-trade","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/140503"}},{"articleId":140501,"title":"What's the Deal with Peak Oil?","slug":"whats-the-deal-with-peak-oil","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/140501"}},{"articleId":140499,"title":"Making Money Using an Index","slug":"making-money-using-an-index","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/140499"}}],"fromCategory":[{"articleId":208627,"title":"Commodities For Dummies Cheat Sheet","slug":"commodities-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208627"}},{"articleId":207438,"title":"Investing in Commodities For Dummies Cheat Sheet","slug":"investing-in-commodities-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/207438"}},{"articleId":198903,"title":"Understanding the Real Risks behind Commodities","slug":"understanding-the-real-risks-behind-commodities","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/198903"}},{"articleId":198342,"title":"Risks with Investing in Commodities","slug":"risks-with-investing-in-commodities","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/198342"}},{"articleId":198341,"title":"The Role of Commodity Exchanges in Investment Trading","slug":"the-role-of-commodity-exchanges-in-investment-trading","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/198341"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282308,"slug":"investing-in-commodities-for-dummies","isbn":"9781394201044","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","commodities"],"amazon":{"default":"//www.amazon.com/gp/product/1394201044/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1394201044/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1394201044-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1394201044/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1394201044/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/investing-in-commodities-for-dummies-2nd-edition-cover-9781394201044-165x255.jpg","width":165,"height":255},"title":"Investing in Commodities For Dummies","testBankPinActivationLink":"","bookOutOfPrint":true,"authorsInfo":"<p><strong><b data-author-id=\"9022\">Amine Bouchentouf</b></strong> is managing director at Commodities Investors, LLC, and has been trading the commodity markets for over 20 years.</p>","authors":[{"authorId":9022,"name":"Amine Bouchentouf","slug":"amine-bouchentouf","description":"<strong>Amine Bouchentouf</strong> is managing director at Commodities Investors, LLC, and has been trading the commodity markets for over 20 years.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9022"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = 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These holdings can be in the form of apartment buildings, hotels, shopping centers, self-storage facilities, warehouses, and even billboards, data centers, cell towers, woodlands, and many others.\r\n\r\nREITs have stock attributes (liquidity and transparency) and, at the same time, enable you to enjoy the benefits of owning income-producing real estate. With this Cheat Sheet, you get a quick primer on the benefits of REIT investment, how to add REITs to your portfolio, how to choose smart REITs, and how to become a virtual landlord without the aggravation of owning private real estate.","description":"A real estate investment trust (REIT) is a company that owns, manages, and/or finances real estate holdings. These holdings can be in the form of apartment buildings, hotels, shopping centers, self-storage facilities, warehouses, and even billboards, data centers, cell towers, woodlands, and many others.\r\n\r\nREITs have stock attributes (liquidity and transparency) and, at the same time, enable you to enjoy the benefits of owning income-producing real estate. With this Cheat Sheet, you get a quick primer on the benefits of REIT investment, how to add REITs to your portfolio, how to choose smart REITs, and how to become a virtual landlord without the aggravation of owning private real estate.","blurb":"","authors":[{"authorId":35328,"name":"Brad Thomas","slug":"brad-thomas","description":"<strong>Brad Thomas</strong> has over 30 years of real estate investing experience. He’s published over 4,000 articles during the last 13 years, and he is the top writer on Seeking Alpha, the world’s largest investing community. He is also the CEO of Wide Moat Research, senior analyst at iREIT®, and a REIT ETF provider (iREIT® MarketVector™ Quality REIT Index). Brad teaches REITs at New York University and other schools such as Penn State University, Clemson University, the University of North Carolina, Cornell University, and Georgetown University.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/35328"}}],"primaryCategoryTaxonomy":{"categoryId":34299,"title":"Real Estate","slug":"real-estate","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34299"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":296220,"title":"Real Estate Investing All-in-One For Dummies Cheat Sheet","slug":"real-estate-investing-all-in-one-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/296220"}},{"articleId":291208,"title":"Foreclosure Investing For Dummies Cheat Sheet","slug":"foreclosure-investing-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/291208"}},{"articleId":274970,"title":"How Home Ownership Can Help You Achieve Financial Goals","slug":"how-home-ownership-can-help-you-achieve-financial-goals","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/274970"}},{"articleId":274965,"title":"Simple, Profitable Real Estate Investments","slug":"simple-profitable-real-estate-investments","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/274965"}},{"articleId":266690,"title":"Public and Private Real Estate Investment Trusts","slug":"public-and-private-real-estate-investment-trusts","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/266690"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":300456,"slug":"reits-for-dummies","isbn":"9781394185351","categoryList":["business-careers-money","personal-finance","investing","real-estate"],"amazon":{"default":"//www.amazon.com/gp/product/1394185359/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1394185359/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1394185359-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1394185359/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1394185359/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/9781394185351-204x255.jpg","width":204,"height":255},"title":"REITs For Dummies","testBankPinActivationLink":"","bookOutOfPrint":true,"authorsInfo":"<p><strong><b data-author-id=\"35328\">Brad Thomas</b></strong> has over 30 years of real estate investing experience. He’s published over 4,000 articles during the last 13 years, and he is the top writer on Seeking Alpha, the world’s largest investing community. He is also the CEO of Wide Moat Research, senior analyst at iREIT®, and a REIT ETF provider (iREIT® MarketVector™ Quality REIT Index). Brad teaches REITs at New York University and other schools such as Penn State University, Clemson University, the University of North Carolina, Cornell University, and Georgetown University.</p>","authors":[{"authorId":35328,"name":"Brad Thomas","slug":"brad-thomas","description":"<strong>Brad Thomas</strong> has over 30 years of real estate investing experience. He’s published over 4,000 articles during the last 13 years, and he is the top writer on Seeking Alpha, the world’s largest investing community. He is also the CEO of Wide Moat Research, senior analyst at iREIT®, and a REIT ETF provider (iREIT® MarketVector™ Quality REIT Index). Brad teaches REITs at New York University and other schools such as Penn State University, Clemson University, the University of North Carolina, Cornell University, and Georgetown University.","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/35328"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;real-estate&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394185351&quot;]}]\" id=\"du-slot-64fa0fdead33c\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;real-estate&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781394185351&quot;]}]\" id=\"du-slot-64fa0fdeadc8d\"></div></div>"},"articleType":{"articleType":"Cheat Sheet","articleList":[{"articleId":0,"title":"","slug":null,"categoryList":[],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/"}}],"content":[{"title":"Benefits of being a virtual landlord","thumb":null,"image":null,"content":"<p>Being an owner in a REIT (real estate stocks) can be an effective way to gain access to a proven income-oriented asset class — property ownership — but without the day-to-day headaches that can come from being a hands-on landlord.</p>\n<p>By investing in REITs, you can effectively bypass all that by being a virtual landlord instead. Following, are several benefits of investing in REITs.</p>\n<h3><strong>REITs invest in a wide range of property types</strong></h3>\n<p>REITs invest in a wide range of property types. No matter where you’re headed locally (in the United States, at least), there’s a good chance you’ll find yourself in close proximity to a REIT–owned property.</p>\n<p>That workplace, apartment building, grocery store, medical facility, hotel, or gym? They might be REIT-owned properties. By leasing out space and collecting rent on its real estate, REITs generate income that is then paid out to shareholders in the form of dividends.</p>\n<h3><strong>REITs can have strong pricing power</strong></h3>\n<p>As a REIT owner, you can take advantage of the pricing power that exists with income-producing real estate. REITs can capitalize on the demand for leasing space that exceeds new supply, which allows rents to grow. This supply-demand imbalance gives most REITs strong rental pricing power.</p>\n<p>Net-lease REITs (REITs that own properties leased to single tenants under agreements in which the tenant pays for rent and some or all of operating expenses) are also attractive because of their long-term leases that generate durable cash flows in every economic climate.</p>\n<h3><strong>As rents grow, dividends grow</strong></h3>\n<p>Because REITs offer exceptional pricing power, they’re able to raise rents based on inflation, and they’re also well-prepared for high interest rates due to their efficient cost controls and balance sheet management practices.</p>\n"},{"title":"REIT investment considerations","thumb":null,"image":null,"content":"<p>Because of the durable dividend income REITs provide, they can be an important investment both for retirement savers and for retirees who require a continuing income stream to meet their living expenses.</p>\n<p>REIT dividends are driven by the steady stream of contractual rents paid by the tenants of their properties.</p>\n<p>Other important attributes of owning REITs to consider include:</p>\n<ul>\n<li><strong>Liquidity:</strong> REIT shares are traded on major stock exchanges.</li>\n<li><strong>Transparency:</strong> REITs have independent directors, analysts, and auditors that provide oversight.</li>\n<li><strong>Diversification:</strong> REITs offer access to the real estate market with low correlation with other stocks and bonds.</li>\n<li><strong>Performance:</strong> REITs have provided long-term total returns like those of other stocks.</li>\n</ul>\n"},{"title":"Choosing the best REITs","thumb":null,"image":null,"content":"<p>With over 890 listed REITs around the globe, where do you begin? The answer depends on your objective, and of course your own risk tolerance level.</p>\n<p>The great thing about REITs is that you can be a landlord for practically every property category, all unique with their own demand drivers.</p>\n<p>As you get started, here are a few guidelines worth considering:</p>\n<ul>\n<li>\n<p class=\"first-para\"><strong>Own more than one REIT or consider a REIT ETF. </strong>Diversification is important to the investing process, so when you start adding REITs to your portfolio, it’s important to spread your capital across multiple property sectors and geographies. In other words, don’t put all of your eggs in one basket.</p>\n<p class=\"child-para\">Also, there are many different exchange-traded funds (ETFs), closed-end fund, and mutual fund alternatives that may be a good way to become a virtual landlord without having to do all the heavy lifting.</p>\n</li>\n<li><strong>Focus on quality. </strong>REITs come in many shapes and sizes, and it’s important to always look under the hood before buying. Spend time researching the underlying fundamentals to ensure that the dividend is safe and growing (on a frequent basis). High-quality REITs can expect to have good access to capital during most market cycles.</li>\n<li><strong>Bet on the jockey. </strong>Most REITs are internally managed, which means you (the investor) are paying for the salaries of the management team. Always think of yourself as an owner and make sure (as the owner) your interests are aligned with management. Always maintain skepticism and in the words of Ronald Reagan, “trust but verify.”</li>\n<li><strong>Don’t chase yield. </strong>By law, REITs pay out high dividends, but always remember that a double-digit dividend yield suggests limited growth prospects for the REIT. There’s nothing wrong with owning these higher-yielding stocks, but often these double-digit yields suggest a potential dividend cut.</li>\n<li><strong>Buy low. </strong>Don’t overpay. Always make sure you’re getting value and buy REITs just like you would any other investment. Sometimes it takes patience, but over the long haul, your returns are magnified when you buy in at a cheaper price.</li>\n</ul>\n"}],"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Advance","lifeExpectancy":"Five years","lifeExpectancySetFrom":"2024-09-07T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":300521},{"headers":{"creationTime":"2017-03-26T23:10:53+00:00","modifiedTime":"2024-09-01T18:04:36+00:00","timestamp":"2024-09-01T21:01:02+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"Investing","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34288"},"slug":"investing","categoryId":34288},{"name":"Investment Vehicles","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34290"},"slug":"investment-vehicles","categoryId":34290},{"name":"Bonds","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34291"},"slug":"bonds","categoryId":34291}],"title":"Buying U.S. Savings Bonds in an Uncertain Economy","strippedTitle":"buying u.s. savings bonds in an uncertain economy","slug":"buying-u-s-savings-bonds-in-an-uncertain-economy","canonicalUrl":"","网络搜字段擎推广":{"metaDescription":"In a down economy, U.S. savings bonds are one of the safest investments you can make. Savings bonds are nonmarketable securities — when you purchase them, they’","noIndex":0,"noFollow":0},"content":"<p>In a down economy, U.S. savings bonds are one of the safest investments you can make. Savings bonds are <i>nonmarketable</i> securities — when you purchase them, they’re registered to you and you can’t sell them to another investor.</p>\r\n<p>Uncle Sam offers two types of savings bonds, Series EE and Series I, which are backed by the full faith and credit of the U.S. government and are considered the safest of all investments. Here’s more info on each type:</p>\r\n<ul class=\"level-one\">\r\n <li><p class=\"first-para\"><b>Series EE bonds: </b>These bonds earn a fixed rate of return set by the U.S. Treasury. They’re <i>accrual bonds,</i> which means the interest accumulates and is compounded semiannually (rather than being paid to the owner as it’s earned each month). If you hold one of these bonds, you receive the interest when you redeem the bonds.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Series I bonds:</b> The interest you earn from I bonds comes in two parts:</p>\r\n <ul class=\"level-two\">\r\n <li><p class=\"first-para\">A fixed-rate component established when you purchase the bond</p>\r\n </li>\r\n <li><p class=\"first-para\">A second component that’s equal to the rate of inflation, adjusted semiannually (based on the consumer price index for March and September)</p>\r\n </li>\r\n </ul>\r\n<p class=\"child-para\">Although the fixed-rate interest component for Series I bonds is low, these bonds help protect you against inflation. If inflation goes up, so does the interest rate you earn because the variable-rate portion is adjusted every six months; for example, when the fixed-rate component is 2 percent and the inflation adjustment is 5 percent, an investment in a Series I bond is guaranteed to return 7 percent. But remember, the total interest rate can also go down as the inflation adjustment decreases.</p>\r\n </li>\r\n</ul>\r\n<p>For both bonds, the purchase limit is $5,000 per Social Security number for each calendar year. You can easily purchase and redeem the bonds in electronic format through the <a href=\"//www.treasurydirect.gov\" target=\"_blank\" rel=\"noopener\">Department of the Treasury’s Web site</a>. If you purchase the bonds electronically, you can get any denomination of $25 or more, including penny increments. The purchase price is equal to the face value.</p>\r\n<p>You can also purchase the bonds in paper form through various financial institutions and payroll savings plans. Paper I bonds are offered in denominations of $50, $75, $100, $200, $500, $1000, and $5,000; they’re purchased for their face value. However, you can get paper versions of EE bonds at half their face value; they’ll be worth face value at maturity. Paper EE bonds are offered in denominations of $50, $75, $100, $200, $500, $1000, $5,000, and $10,000.</p>\r\n<p>The interest on both bonds compounds semiannually for 30 years, but you don’t have to hold the bonds for that long. You can redeem the bonds after 12 months, but you pay a three-month interest penalty if you redeem the bonds within five years of the purchase date.</p>\r\n<p>As for tax treatment, U.S. savings bonds are exempt from state and local income tax. Federal income tax on interest earned can be deferred until redemption or final maturity, whichever occurs first. Tax benefits are available when you use the bonds for education purposes.</p>","description":"<p>In a down economy, U.S. savings bonds are one of the safest investments you can make. Savings bonds are <i>nonmarketable</i> securities — when you purchase them, they’re registered to you and you can’t sell them to another investor.</p>\r\n<p>Uncle Sam offers two types of savings bonds, Series EE and Series I, which are backed by the full faith and credit of the U.S. government and are considered the safest of all investments. Here’s more info on each type:</p>\r\n<ul class=\"level-one\">\r\n <li><p class=\"first-para\"><b>Series EE bonds: </b>These bonds earn a fixed rate of return set by the U.S. Treasury. They’re <i>accrual bonds,</i> which means the interest accumulates and is compounded semiannually (rather than being paid to the owner as it’s earned each month). If you hold one of these bonds, you receive the interest when you redeem the bonds.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Series I bonds:</b> The interest you earn from I bonds comes in two parts:</p>\r\n <ul class=\"level-two\">\r\n <li><p class=\"first-para\">A fixed-rate component established when you purchase the bond</p>\r\n </li>\r\n <li><p class=\"first-para\">A second component that’s equal to the rate of inflation, adjusted semiannually (based on the consumer price index for March and September)</p>\r\n </li>\r\n </ul>\r\n<p class=\"child-para\">Although the fixed-rate interest component for Series I bonds is low, these bonds help protect you against inflation. If inflation goes up, so does the interest rate you earn because the variable-rate portion is adjusted every six months; for example, when the fixed-rate component is 2 percent and the inflation adjustment is 5 percent, an investment in a Series I bond is guaranteed to return 7 percent. But remember, the total interest rate can also go down as the inflation adjustment decreases.</p>\r\n </li>\r\n</ul>\r\n<p>For both bonds, the purchase limit is $5,000 per Social Security number for each calendar year. You can easily purchase and redeem the bonds in electronic format through the <a href=\"//www.treasurydirect.gov\" target=\"_blank\" rel=\"noopener\">Department of the Treasury’s Web site</a>. If you purchase the bonds electronically, you can get any denomination of $25 or more, including penny increments. The purchase price is equal to the face value.</p>\r\n<p>You can also purchase the bonds in paper form through various financial institutions and payroll savings plans. Paper I bonds are offered in denominations of $50, $75, $100, $200, $500, $1000, and $5,000; they’re purchased for their face value. However, you can get paper versions of EE bonds at half their face value; they’ll be worth face value at maturity. Paper EE bonds are offered in denominations of $50, $75, $100, $200, $500, $1000, $5,000, and $10,000.</p>\r\n<p>The interest on both bonds compounds semiannually for 30 years, but you don’t have to hold the bonds for that long. You can redeem the bonds after 12 months, but you pay a three-month interest penalty if you redeem the bonds within five years of the purchase date.</p>\r\n<p>As for tax treatment, U.S. savings bonds are exempt from state and local income tax. Federal income tax on interest earned can be deferred until redemption or final maturity, whichever occurs first. Tax benefits are available when you use the bonds for education purposes.</p>","blurb":"","authors":[],"primaryCategoryTaxonomy":{"categoryId":34291,"title":"Bonds","slug":"bonds","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34291"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[],"fromCategory":[{"articleId":275083,"title":"How to Invest in Bonds","slug":"how-to-invest-in-bonds","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/275083"}},{"articleId":208279,"title":"Bond Investing For Dummies Cheat Sheet","slug":"bond-investing-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208279"}},{"articleId":207444,"title":"Investing in Bonds For Dummies Cheat Sheet","slug":"investing-in-bonds-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/207444"}},{"articleId":202861,"title":"Savings Bonds Pros and Cons","slug":"savings-bonds-pros-and-cons","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/202861"}},{"articleId":201130,"title":"Investing in Global Bonds","slug":"investing-in-global-bonds","categoryList":["business-careers-money","personal-finance","investing","investment-vehicles","bonds"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/201130"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":0,"slug":null,"isbn":null,"categoryList":null,"amazon":null,"image":null,"title":null,"testBankPinActivationLink":null,"bookOutOfPrint":false,"authorsInfo":null,"authors":null,"_links":null},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;investing&quot;,&quot;investment-vehicles&quot;,&quot;bonds&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[null]}]\" 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