By Errold F. Moody
Modern-day strongest own finance web site transfers its take-noprisoners method of the published web page Errold Moody and his web site efmoody.com have received a considerable grassroots following --and compliment from Forbes, company- Week, united states this day, and others--for their straight-talking method and hands-on information in all parts of non-public finance. No-Nonsense Finance brings the website's wealth of data to a concise but accomplished guidebook, outlining a common-sense software for saving usually, making an investment correctly, and resisting the impulse to shop for pointless items and recommendation. From displaying readers how to define advisers they could belief to dispelling myths approximately asset allocation, dollar-cost averaging, and extra, No-Nonsense Finance is the best monetary reference. Readers will get pleasure from, and cash in on, Moody's irascible, frequently irreverent recommendation, together with: Why one should not purchase shares from a stockbroker uncomplicated property making plans matters demystified "Caveat Investor" sidebars to spotlight key issues
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Extra resources for No-Nonsense Finance : E.F. Moody's Guide to Taking Complete Control of Your Personal Finances
Example text
But you also have already assumed a huge risk if you have put all your money in an investment at 26 NO-NONSENSE FINANCE one time; the statistical risk could go against you at any time. For example, I acted as an expert on a case in which the individual had taken all his investments and invested in the market. ) He didn’t know what to do and went to one of the largest investment adviser firms in San Francisco and utilized an adviser who had an MBA from Harvard. The adviser told him that by keeping an investment for a long time, the risk would go down.
It does not represent the risk you are actually taking. The statement you should be hearing is that risk goes up the longer you hold a security. But this concept is one that about which few brokers, planners, and insurance agents know and utilize. It can bury your portfolio with dismal returns. It can bury your retirement. And that is exactly what has been happening for the last few years till just recently. Risk Going Up the Longer You Hold on to Stocks and Bonds What is indefensible by planners and brokers is the fact that the issue of increased variability has been addressed for years in certain textbooks, but hardly anyone paid attention.
It is mandatory that asset allocation become part of a lifelong review of the statistical fundamentals of investing. Certain key elements of this concept, however, have been consistently neglected—namely, the focus of local, regional, national, and international economics. Without this type of input, asset allocation tends to be selected in a vacuum. Also neglected in most treatments of asset allocation is the psychology of the consumer in concert with the real-life elements of life: death, divorce, unemployment, disability, and so on.