https://iqdeals.co.za

Invest​ ​Like​ ​a​ ​Professional 

  If​ ​investors​ ​learned​ ​anything​ ​from​ ​the​ ​2000-2002​ ​recession,​ ​and​ ​the​ ​corresponding​ ​decline​ ​in  the​ ​stock​ ​market,​ ​they​ ​should​ ​have​ ​learned​ ​that​ ​their​ ​investment​ ​portfolios​ ​need​ ​to​ ​be  diversified.​ ​So​ ​how​ ​knowledgeable​ ​are​ ​you​ ​about​ ​diversification​ ​and​ ​asset​ ​allocation?   

    You​ ​probably​ ​know​ ​that​ ​there​ ​are​ ​several​ ​asset​ ​classes,​ ​such​ ​as​ ​cash,​ ​domestic​ ​and  international​ ​stocks,​ ​corporate​ ​and​ ​government​ ​bonds,​ ​real​ ​estate,​ ​precious​ ​metals,​ ​oil​ ​and  gas.​ ​The​ ​question​ ​is:​ ​What​ ​percentage​ ​of​ ​your​ ​portfolio​ ​should​ ​be​ ​invested​ ​in​ ​each​ ​asset​ ​class?  Well,​ ​there​ ​are​ ​two​ ​different​ ​approaches.    We​ ​could​ ​do​ ​market​ ​timing​ ​and​ ​sector​ ​rotation.​ ​However,​ ​this​ ​is​ ​extremely​ ​dangerous,​ ​as  people​ ​make​ ​the​ ​wrong​ ​choices​ ​at​ ​the​ ​wrong​ ​time,​ ​selling​ ​when​ ​the​ ​market​ ​hits​ ​bottom​ ​and  buying​ ​at​ ​the​ ​top.    Or​ ​we​ ​can​ ​simply​ ​own​ ​everything,​ ​all​ ​of​ ​the​ ​time.​ ​This​ ​is​ ​the​ ​notion​ ​of​ ​diversification,​ ​which  says​ ​we​ ​don’t​ ​have​ ​to​ ​pick​ ​the​ ​best​ ​horse​ ​in​ ​the​ ​race.​ ​If​ ​we​ ​just​ ​bet​ ​on​ ​every​ ​horse,​ ​we’ll​ ​do​ ​fine.  Of​ ​course,​ ​that​ ​raises​ ​the​ ​next​ ​question.​ ​Do​ ​we​ ​literally​ ​take​ ​our​ ​money​ ​and​ ​put​ ​it​ ​equally​ ​into  each​ ​investment​ ​class?​ ​Or​ ​is​ ​there​ ​a​ ​better​ ​way?    That​ ​answer​ ​is​ ​right​ ​at​ ​your​ ​fingertips​ ​in​ ​the​ ​institutional​ ​financial​ ​press,​ ​such​ ​as​ ​Institutional  Investor​ ​magazine,​ ​Pensions​ ​and​ ​Investments​ ​magazine,​ ​and​ ​CFO​ ​magazine.​ ​These​ ​are  magazines​ ​written​ ​for​ ​and​ ​read​ ​by​ ​professional​ ​money​ ​managers​ ​as​ ​opposed​ ​to​ ​magazines 

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written​ ​by​ ​consumers​ ​for​ ​consumers.​ ​If​ ​you​ ​want​ ​to​ ​achieve​ ​professional-​ ​level​ ​results,​ ​you  must​ ​take​ ​a​ ​look​ ​at​ ​how​ ​professionals​ ​do​ ​it.​ ​Pensions​ ​and​ ​Investments​ ​magazine​ ​conducts​ ​an  annual​ ​survey​ ​of​ ​the​ ​1,000​ ​largest​ ​pension​ ​funds​ ​in​ ​America.​ ​Why​ ​is​ ​it​ ​worthwhile​ ​to​ ​pay  attention​ ​to​ ​the​ ​big​ ​pension​ ​funds?​ ​After​ ​all,​ ​you’re​ ​not​ ​a​ ​big​ ​pension​ ​fund.​ ​You​ ​certainly  cannot​ ​invest​ ​your​ ​money​ ​as​ ​they​ ​do​ ​theirs.​ ​Or​ ​can​ ​you?​ ​Most​ ​people​ ​have​ ​never​ ​examined​ ​how  pension​ ​funds​ ​manage​ ​money,​ ​but​ ​you​ ​will​ ​find​ ​it​ ​an​ ​interesting​ ​approach​ ​to​ ​consider.​ ​Let​ ​me  illustrate​ ​why.​ ​If​ ​you​ ​took​ ​$100​ ​and​ ​walked​ ​into​ ​a​ ​supermarket,​ ​and​ ​I​ ​took​ ​$100​ ​and​ ​walked  into​ ​the​ ​same​ ​supermarket,​ ​what​ ​are​ ​the​ ​odds​ ​that​ ​we​ ​would​ ​both​ ​walk​ ​out​ ​with​ ​an​ ​identical  basket​ ​of​ ​grocery​ ​items?​ ​Not​ ​likely​ ​is​ ​it?​ ​Now​ ​suppose​ ​we​ ​both​ ​enter​ ​with​ ​$1​ ​million​ ​to​ ​spend.  What​ ​are​ ​we​ ​going​ ​to​ ​walk​ ​out​ ​with?​ ​We’ll​ ​walk​ ​out​ ​with​ ​identical​ ​products​ ​because​ ​we​ ​had​ ​to  buy​ ​everything​ ​they​ ​had​ ​in​ ​the​ ​store.​ ​We​ ​had​ ​no​ ​choice.​ ​Similarly,​ ​what​ ​does​ ​CalPERS​ ​pension  fund,​ ​with​ ​$182​ ​billion​ ​in​ ​assets,​ ​or​ ​General​ ​Motors,​ ​with​ ​$102​ ​billion​ ​in​ ​assets,​ ​buy?​ ​They​ ​buy  stocks.​ ​They​ ​buy​ ​nearly​ ​every​ ​stock.​ ​They​ ​don’t​ ​have​ ​any​ ​choice.    The​ ​key​ ​is​ ​not​ ​what​ ​stocks​ ​they​ ​buy.​ ​They​ ​all​ ​own​ ​the​ ​same​ ​stocks.​ ​The​ ​question​ ​is:​ ​How​ ​much  of​ ​each​ ​investment​ ​do​ ​they​ ​own?​ ​Let’s​ ​take​ ​that​ ​question​ ​to​ ​the​ ​next​ ​level.​ ​How​ ​much​ ​do​ ​they  have​ ​invested​ ​in​ ​stocks​ ​vs.​ ​bonds​ ​vs.​ ​real​ ​estate​ ​vs.​ ​cash​ ​vs.​ ​international​ ​securities?​ ​The  answer​ ​to​ ​that​ ​asset​ ​allocation​ ​question​ ​is​ ​the​ ​key​ ​to​ ​successful​ ​investing.​ ​That​ ​is​ ​why​ ​it’s​ ​so  important​ ​for​ ​us​ ​to​ ​discover​ ​how​ ​pension​ ​funds​ ​are​ ​investing​ ​their​ ​money.    How​ ​Do​ ​the​ ​Professionals​ ​Do​ ​It?    There​ ​are​ ​five​ ​major​ ​asset​ ​classes:​ ​U.S.​ ​stocks,​ ​international​ ​stocks,​ ​bonds,​ ​real​ ​estate,​ ​and  cash.​ ​So​ ​let’s​ ​take​ ​a​ ​look​ ​at​ ​how​ ​the​ ​pension​ ​funds​ ​invest.​ ​When​ ​Pensions​ ​and​ ​Investments  magazine​ ​looked​ ​at​ ​the​ ​large​ ​pension​ ​funds,​ ​they​ ​demonstrated​ ​that​ ​among​ ​the​ ​1,000​ ​largest  pension​ ​funds,​ ​there​ ​is​ ​remarkable​ ​consistency​ ​about​ ​how​ ​they​ ​manage​ ​their​ ​money.​ ​But​ ​the  way​ ​they​ ​manage​ ​their​ ​money​ ​is​ ​remarkably​ ​different​ ​from​ ​how​ ​consumers​ ​manage​ ​theirs.    Now,​ ​who​ ​do​ ​you​ ​expect​ ​to​ ​be​ ​better​ ​at​ ​managing​ ​money​ ​—​ ​the​ ​pension​ ​fund​ ​managers​ ​or  individuals​ ​handling​ ​their​ ​401(k)?​ ​Clearly​ ​the​ ​pension​ ​funds​ ​were​ ​better.​ ​Pension​ ​funds​ ​owned  50%​ ​U.S.​ ​stocks​ ​and​ ​17%​ ​international​ ​stocks.​ ​Individual​ ​investors​ ​had​ ​70%​ ​invested​ ​in​ ​U.S.  stocks,​ ​but​ ​only​ ​5%​ ​in​ ​international.​ ​So​ ​pension​ ​funds​ ​have​ ​67%​ ​in​ ​stocks,​ ​but​ ​individuals​ ​have  75%.​ ​Consumers​ ​are​ ​more​ ​aggressive,​ ​more​ ​heavily​ ​invested​ ​in​ ​stocks​ ​than​ ​are​ ​professionals.  Now​ ​look​ ​at​ ​the​ ​bonds:​ ​Institutions​ ​have​ ​23%​ ​in​ ​bonds;​ ​individuals​ ​have​ ​5%.​ ​How​ ​about​ ​real  estate?​ ​Professionals​ ​have​ ​5%;​ ​the​ ​average​ ​individual​ ​investors​ ​did​ ​not​ ​invest​ ​in​ ​real​ ​estate.  Finally,​ ​let’s​ ​look​ ​at​ ​cash:​ ​Institutions​ ​place​ ​about​ ​5%​ ​in​ ​cash,​ ​just​ ​enough​ ​to​ ​meet​ ​their  liquidity​ ​needs.​ ​But​ ​the​ ​American​ ​consumer​ ​has​ ​20%​ ​in​ ​cash.    Think​ ​about​ ​these​ ​numbers.​ ​Consumers​ ​have​ ​too​ ​much​ ​in​ ​cash,​ ​no​ ​real​ ​estate,​ ​few​ ​bonds​ ​and  almost​ ​no​ ​international​ ​investments.​ ​If​ ​you​ ​want​ ​to​ ​achieve​ ​professional-level​ ​results,​ ​look​ ​at  how​ ​professionals​ ​do​ ​it. 

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  Diversify​ ​Your​ ​Stock​ ​Allocation    There​ ​is​ ​another​ ​important​ ​distinction​ ​between​ ​professional​ ​money​ ​managers​ ​and​ ​individual  investors.​ ​Professional​ ​money​ ​managers​ ​will​ ​not​ ​place​ ​more​ ​than​ ​1%​ ​of​ ​assets​ ​in​ ​any​ ​one​ ​stock.  However,​ ​individual​ ​investors​ ​typically​ ​place​ ​huge​ ​amounts​ ​of​ ​money​ ​in​ ​individual​ ​stocks,  especially​ ​their​ ​employer’s​ ​stock.​ ​When​ ​employees​ ​have​ ​the​ ​ability​ ​to​ ​buy​ ​stock​ ​in​ ​the​ ​company  for​ ​which​ ​they​ ​work,​ ​that’s​ ​exactly​ ​what​ ​they​ ​do.​ ​Often,​ ​half​ ​of​ ​their​ ​total​ ​stock​ ​allocation​ ​is​ ​in  their​ ​employer’s​ ​stock.    Remember,​ ​pension​ ​fund​ ​managers​ ​never​ ​invest​ ​more​ ​than​ ​1%​ ​of​ ​assets​ ​in​ ​any​ ​company,​ ​yet  workers​ ​routinely​ ​put​ ​43%​ ​of​ ​their​ ​investment​ ​assets​ ​in​ ​their​ ​company’s​ ​stock.​ ​This​ ​is​ ​wildly  speculative​ ​and​ ​can​ ​be​ ​extremely​ ​dangerous.​ ​Workers​ ​are​ ​placing​ ​far​ ​too​ ​big​ ​a​ ​bet​ ​on​ ​the  company​ ​they​ ​work​ ​for.​ ​Remember​ ​Enron​ ​and​ ​WorldCom?​ ​Make​ ​sure​ ​you​ ​don’t​ ​repeat​ ​those  employees’​ ​mistakes.    Think​ ​Globally    Many​ ​consumers​ ​say​ ​they​ ​only​ ​want​ ​to​ ​invest​ ​in​ ​the​ ​United​ ​States.​ ​They​ ​know​ ​and​ ​trust​ ​U.S.  companies.​ ​Average​ ​investors​ ​need​ ​to​ ​change​ ​their​ ​perspective​ ​to​ ​invest​ ​like​ ​professionals.​ ​If  you​ ​invest​ ​only​ ​in​ ​the​ ​United​ ​States,​ ​you​ ​will​ ​not​ ​invest​ ​in​ ​7​ ​of​ ​the​ ​world’s​ ​10​ ​largest​ ​companies.  You​ ​will​ ​not​ ​invest​ ​in​ ​7​ ​of​ ​the​ ​world’s​ ​10​ ​largest​ ​insurance​ ​companies;​ ​you​ ​will​ ​not​ ​invest​ ​in​ ​7​ ​of  the​ ​world’s​ ​10​ ​largest​ ​utilities.​ ​You​ ​will​ ​miss​ ​8​ ​of​ ​the​ ​world’s​ ​10​ ​largest​ ​auto,​ ​appliance,​ ​and  chemical​ ​companies.​ ​You​ ​will​ ​also​ ​ignore​ ​9​ ​out​ ​of​ ​10​ ​of​ ​the​ ​world’s​ ​largest​ ​technology  companies​ ​as​ ​well​ ​as​ ​9​ ​of​ ​the​ ​10​ ​largest​ ​banks.​ ​So​ ​if​ ​you’re​ ​thinking​ ​of​ ​investing​ ​in​ ​stocks,​ ​focus  globally.    These​ ​are​ ​the​ ​asset​ ​allocation​ ​strategies​ ​used​ ​by​ ​professionals.​ ​I​ ​am​ ​not​ ​suggesting​ ​that​ ​you  blindly​ ​copy​ ​what​ ​institutional​ ​investors​ ​are​ ​doing.​ ​You​ ​need​ ​to​ ​decide​ ​for​ ​yourself​ ​how​ ​much  of​ ​your​ ​money​ ​is​ ​going​ ​to​ ​be​ ​in​ ​stocks​ ​vs.​ ​bonds​ ​vs.​ ​real​ ​estate,​ ​vs.​ ​gold​ ​vs.​ ​government  securities.​ ​My​ ​point​ ​is​ ​that​ ​you​ ​need​ ​to​ ​be​ ​aware​ ​of​ ​how​ ​professionals​ ​invest​ ​money,​ ​and​ ​you  need​ ​to​ ​realize​ ​the​ ​mistakes​ ​consumers​ ​make.    Diversification​ ​Lowers​ ​Risk    You​ ​might​ ​ask,​ ​“Why​ ​should​ ​we​ ​put​ ​money​ ​in​ ​bonds?​ ​Everyone​ ​knows​ ​that​ ​bonds​ ​don’t​ ​make​ ​as  much​ ​money​ ​as​ ​stocks.​ ​So​ ​why​ ​don’t​ ​we​ ​just​ ​invest​ ​in​ ​all​ ​the​ ​different​ ​sectors​ ​of​ ​stocks?”    First,​ ​in​ ​a​ ​declining​ ​market​ ​there​ ​are​ ​no​ ​safe​ ​places​ ​to​ ​hide​ ​(remember​ ​2000-​ ​2002?).​ ​Second,  remember​ ​9/11?​ ​Wall​ ​Street​ ​closed​ ​for​ ​days.​ ​If​ ​you​ ​had​ ​money​ ​in​ ​stocks,​ ​you​ ​could​ ​not​ ​sell 

https://iqdeals.co.za

shares​ ​for​ ​several​ ​days.​ ​If​ ​you​ ​needed​ ​money​ ​for​ ​any​ ​reason,​ ​you​ ​could​ ​not​ ​get​ ​your​ ​hands​ ​on  it.    A​ ​study​ ​in​ ​the​ ​Financial​ ​Analyst​ ​Journal​ ​reviewed​ ​the​ ​financial​ ​markets​ ​for​ ​the​ ​20​ ​years  between​ ​1972​ ​through​ ​1992.​ ​In​ ​the​ ​1970s​ ​the​ ​stock​ ​market​ ​was​ ​declining,​ ​the​ ​bond​ ​market​ ​was  going​ ​up,​ ​and​ ​the​ ​real​ ​estate​ ​and​ ​gold​ ​markets​ ​were​ ​moving​ ​sideways.​ ​The​ ​’70s​ ​were​ ​followed  by​ ​the​ ​bull​ ​market​ ​of​ ​the​ ​1980s,​ ​when​ ​stocks​ ​did​ ​fabulously​ ​and​ ​interest​ ​rates​ ​dropped  significantly.    An​ ​investment​ ​in​ ​100%​ ​stocks​ ​during​ ​this​ ​20-year​ ​time​ ​actually​ ​underperformed​ ​an​ ​even  distribution​ ​over​ ​the​ ​five​ ​asset​ ​classes.​ ​The​ ​reason:​ ​The​ ​stock​ ​portfolio​ ​was​ ​twice​ ​as​ ​volatile​ ​as  the​ ​highly​ ​diversified​ ​portfolio.​ ​Consequently,​ ​we​ ​know​ ​that​ ​owning​ ​stocks​ ​is​ ​beneficial,​ ​but  over​ ​the​ ​long​ ​term​ ​you​ ​can​ ​make​ ​just​ ​as​ ​much​ ​money​ ​with​ ​the​ ​diversified​ ​portfolio,​ ​while  assuming​ ​significantly​ ​less​ ​risk!    Almost​ ​everyone​ ​looks​ ​at​ ​return;​ ​few​ ​look​ ​at​ ​the​ ​risk​ ​they​ ​are​ ​assuming.​ ​Proper​ ​investment  strategies​ ​consider​ ​both.​ ​Make​ ​sure​ ​you​ ​do​ ​too​ ​…​ ​and​ ​you’ll​ ​join​ ​the​ ​ranks​ ​of​ ​professional-​ ​level  investors.      Contact​ ​Details:  BlueTech​ ​Africa  87​ ​De​ ​Korte​ ​St,​ ​Braamfontein​ ​Johannesburg  Johannesburg​ ​2017,​ ​Gauteng,​ ​South​ ​Africa  Website:​ ​https://iqdeals.co.za  Google​ ​Site:​ ​https://sites.google.com/site/restaurantepossoftware  Google​ ​Folder:​ ​https://goo.gl/p5Aeax  Twitter:​ ​https://twitter.com/earladowning      Related​ ​Contents:  retail​ ​point​ ​of​ ​sale​ ​systems​ ​south​ ​africa  restaurant​ ​epos​ ​software  restaurant​ ​point​ ​of​ ​sale​ ​software  pos​ ​systems​ ​for​ ​restaurants  pos​ ​with​ ​inventory​ ​system  restaurant​ ​cash​ ​register​ ​software  restaurant​ ​point​ ​of​ ​sale​ ​systems​ ​south​ ​africa  restaurant​ ​software​ ​solutions  restaurant​ ​software​ ​systems  restaurant​ ​pos​ ​system​ ​software 

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Point Of Sale Software Restaurant.pdf

the stock market, they should have learned that their investment portfolios need to be. diversified. ... We could do market timing and sector rotation. ... annual survey of the 1,000 largest pension funds in America. ... They buy nearly every stock.

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