Archive for October, 2008

Investment Style

Wednesday, October 29th, 2008

When we think of investing, we are willing to take the risk. Since business is like playing a game. With full knowledge of the type of investment you make, added with investment strategies or plans and the help of financial planners to be able to reach your financial goals. Your financial goals and your risk tolerance will determine what your investment styles are.

What is your investment style? There are three investment styles.

  • Conservative . If you have a low tolerance for risk, you have a conservative style in investing. Conservative investors always go for the interest earning saving accounts, they save for their retirements and wants to maintain their initial investments. They wanted to be sure to get the same amount of money they invested. They invest in bonds and common stocks and short term money market accounts.
  • Moderate . A moderate investor is very much similar to the conservative type in investing. But they are a bit higher risk investors. They invest half of their money to a safe kind of investment and the other half to a much riskier investments.
  • Aggressive.  Having high tolerance to risk, an aggressive investor is investing a big amount of money in more risky investments with the hope that they get their money back in larger returns in a short period of time. They are the game players, certified gamblers in the business world. They invest all their funds in stock market.

Now, do you know what type of investor are you? What’s your investment style? Your Investment style depends on your financial goals and your risk tolerance. Whatever your style is, just be sure that you are satisfied with the outcome and you get the returns of your money the way you expected them. Be sure that you were able to reach your financial goals.

Will You Take the Risk to Invest?

Friday, October 17th, 2008

How much risk can you take in investing your money? Although there is investment  risk involved, you must determine your risk tolerance. You must remember that your investment do not exceed your risk tolerance.

You can determine one’s risk tolerance through the following examples. First, determine how much money you have to invest, and what your investment and financial goals are.

  • If you are planning to retire in ten years, and you have no savings for retirement, you need to have a high risk tolerance. This is  because you will need to do some aggressive and risky investing move in order to reach your financial goal.
  • If you are in young and you want to start investing for your retirement, your risk tolerance will be low. You can afford to watch your money grow slowly over time.

Secondly, determine the level of risk that you are comfortable with, and help you choose your investments accordingly. For example , if you invested in the stock market and you watched the movement of that stock daily and saw that it was dropping slightly, what would you do? Would you sell out or would you let your money ride?

  • If you have a low tolerance for risk, you would want to sell out… if you have a high tolerance, you would let your money ride and see what happens. This is not based on what your financial goals are. This tolerance is based on how you feel about your money!

In short,  your risk tolerance should be based on what your financial goals are and how you feel about the possibility of losing your money. These two are both tied up.