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3 ways to invest like Warren Buffett

A cottage industry of asset managers, financial advisors and investment can give you their takes on how to be just like Warren Buffett.

You can skip the circus of wannabes and hear from the Oracle of Omaha directly in his annual letter to Berkshire Hathaway a shareholder, which was published Saturday.

In his most recent letter, Buffett praised the virtues of index funds, railed against the steep fees hedge fund managers charge and said "investors who avoid high and unnecessary costs and simply sit for an extended period with a collection of large, conservatively-financed American businesses will almost certainly do well."

You don't have to be a stock-picking whiz to benefit from his success. Buffett has already detailed three ways to emulate him in your retirement portfolio.

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3 Risks of Investing in the Stock Market

Risk and reward are inextricably intertwined, and therefore, risk is inherent in all financial instruments. As a consequence, wise investors seek to minimize risk as much as possible without diluting the potential rewards. Warren Buffett, a recognized stock market investor, reportedly explained his investment philosophy to a group of Wharton Business School students in 2003: “I like to go for cinches. I like to shoot fish in a barrel. But I like to do it after the water has run out.”

Reducing all of the variables affecting a stock investment is difficult, especially the following hidden risks.

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How to Secure Your Savings (Part 2)

What does 'financial institution' exactly refer to?

There is no cut-and-dry answer. For many years, banks have been absorbed by others or merged with other banks, making the definition hard to delineate. It all depends on the technical nature of the company's personality as it is registered at the FCA.

Some difficulties, therefore, arise – for instance:

If you save money in the Bank of Scotland, Halifax and BM Savings, which belong to one group, the covered amount is also considered as one. Hence, you get only £85,000.

If you save money in the Royal Bank of Scotland, Ulster and NatWest, which all belong to the giant RBS conglomerate; you get £85,000 protection for every one of three banks where you have put money.

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How to Secure Your Savings (Part 1)

The collapse of Northern Rock, Bradford & Bingley, and Icelandic banks caused a lot of panic several years back, leading people to wonder whether their savings are safe at all. What steps can we take to secure our savings from such a terrifying and real threat?

We will provide a detailed safety checklist as well as what safeguards you can apply in case of averse economic scenarios.

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Evaluating Your Investment Returns

According to David Fabian, “A vital part of Investment success depends upon one’s ability to compare historical returns with an index or benchmark.

Doing so will let you measure if your approach meets the performance expectations or evaluate the efficiency of somebody else’s recommendation prior to hiring them. Although is may be very common in the entire industry, many investors still make knee-jerk conclusions based on unreliable or biased information.

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Why value investing could be the riskiest investment strategy

For many years, value investing has grown to become a very popular and profitable investment strategy. Among those who consider value investing as a viable choice are Benjamin Graham and Warren Buffett – two of the most successful value investors with spectacular gains over a long period of time.

The expected returns from value investing are comparatively high, although the risks are oftentimes much higher than most investors can handle. This is because value investing can result in an investor being subject to value traps, which occurs when a stock’s price is low for a very valid reason. What are value traps?

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Tips for Avoiding Financial Mistakes for Millennials

If you are in your early and feel you should prepare yourself for financial success while avoiding serious mistakes, what do you need to do? Here are some valuable tips.

Firstly, relax! You are in the best time to be enjoying life; and getting started on the road to a secure financial future is one of the wisest moves you can do. Go ahead and have some fun, discover exciting avenues and be open to potential ventures and adventures you can pursue for a lifetime. Do not become paralyzed with the fear of making mistakes or you will miss out on fruitful and gratifying opportunities. That would be counterproductive – learn to embrace mistakes as they can be stepping stones to learning and growing.

Nevertheless, some mistakes can cause disastrous and long-term financial effects compared to others, although they may seem harmless on the surface.

Go over these five financial missteps that can adversely undermine your financial life. Knowing how not to commit the same mistakes will greatly enhance your potential for building your personal wealth.

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How and When to be Average Joe or Average Jane

Most people fall in the so-called “average” or “median” range. After all things are counted and considered, the statistical middle-ground is where all things tend to gravitate – the world of the, sorry for the term: mediocre.

To be honest, no one wants to be mediocre, run-of-the-mill or commonplace. People in the city park may take selfies that are quite ordinary compared to people who challenge the heights of the Nepalese mountains or the Alaskan wilderness. People do not just want a few likes but viral likes, so it seems. We want to be among those who make an impression for being extraordinary. And that takes a lot of effort to achieve and sustain.

But as investors, the average can provide a lot of benefits.

The idea of being average is the very foundation of the biggest changes to investing in recent years – the surge of the passive index fund.

In the past, you (or a broker) selected a portfolio of stocks that has the potential to bring you wealth. The more adventurous investors opted for a chance to benchmark themselves (while the newspapers aimed for a chance to "score" the stock market). That gave birth to the index.

One possible choice is the ASX 200, which tracks the overall market performance, giving investors a view on how the total market value shifts in a day, a week, a month or a year. It is expected to rise by about 10% yearly, within a long-term period.

And, obviously, we are talking of averages -- the average firm and the average year. Choosing to buy an index-tracking fund, as investors usually do as a rule, is quite alright. You can expect to gain average return (minus some fees) over a long duration, enough to produce a sizeable profit in the end.

However, do not expect to get 10% yearly. Moreover, not all firms will gain a value growth by such an amount. Some can go broke. Others come up with the latest “hot product”. Some may exploit the advantages of their product and market, to offer years of market-crunching returns (for instance, Domino's share price). And there are also those that remain stagnant for ten years (check out Westfield).

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Effective growth investing lessons from master investors

How do you achieve sustainable growth in investing? One needs to choose those leading companies that are prepared to provide strong, consistent and long-term increases in profits and revenue. These are the firms that reward their shareholders with above-average market returns.

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Making Thousands through IRA Investing Tips

For beginners as well as veterans in IRA investing, here are a few important things to consider. Newbie investors obviously need education in fundamental matters while long-time investors can always benefit from new ways to enhance their investment strategy.

So, how do you maximize returns from your IRA?

Choose what fits your goals: Traditional or. Roth

Should you go for traditional or for Roth IRA? While your traditional IRA contributions can be classified as tax-deductible, Roths use after-tax money; however, they provide tax-free withdrawals when you reach retirement age. To know more about either type of IRA, visit informative investment websites. Here are a few valuable tips on which to choose:

When you should choose a traditional IRA:
• If you are within a higher tax bracket now, in contrast to your expected level when you reach retirement
• If a tax break now is more preferable to you than tax savings when you retire
• If you have no retirement plan sponsored by your employer because your income is too large to qualify you to directly contribute to a Roth IRA
When you should choose a Roth IRA:
• If you want to stay in your present tax rate
• If you want to diversify your retirement assets, aside from your pre-tax account such as a 401(k)
• If you expect to use the money when you retire and would choose rather to keep it in that account to allow it to grow as long as you want (A Roth IRA will not demand a minimum distribution from a specific age.)
• If you want all your money safely parked somewhere (You can withdraw your original contribution amounts in a Roth IRA at any time.)


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