Defining a Long-Term Investment in the Stock Market

For some "long term" would mean holding a stock position over the weekend. For others, it may mean holding a security for at least 1 year for the purpose of declaring a long-term capital gain, thus saving on taxes.

The rigid definition of a long-term investment in the stock market would be holding a security for a minimum of 5 years, to as long as 30 years.

I'm going to tell you my definition of a long-term investment in a security by telling you a story. A true story!

My Mother worked as a teller in a small bank in Dover, New Jersey. The name of the bank was called The Dover Community Bank. While working at the bank (she eventually became a branch manager) she enrolled in the bank's dividend reinvestment plan, making purchases of the stock through pay-roll deductions from her paycheck. She continued purchasing the stock through the years, having the dividends from her shares in the bank reinvested into more shares every quarter. By the time she left the bank (in the early seventies) she had accumulated around 300 shares of The Dover Community Bank.

My Father, when he retired, had the dividends from those shares sent home ? to help ends meet. When my Dad passed away at age 80, my brother and I inherited over 7,600 shares of The Bank of New York, all originating from those 300 shares of what was once called The Dover Community Bank.

So, through this individual experience I have adopted my own opinion of what is called a long-term investment in a security. It is simply this ? securities should be purchased with the intent of providing dividend income to help ends meet during retirement, with the understanding that no one can successfully retire without financial freedom.

So every investment now in a security would be purchased with the intent of holding that security (and adding to it during the years) until the dividend income from that security is ample enough to ease the loss of income from retiring from my job. Now, I not only provide for myself during my retirement years, but will leave this earthly realm knowing that I will also be able to relieve some financial burdens for those I've left behind.

With this definite, concrete purpose for investing in mind, a definite, concrete plan would need to be created (and can be found in my book The Stockopoly Plan) to achieve this long-term investment goal. My Mother invested in only one stock and got lucky ? a considered plan would diversify.

If I am going to hold a security position forever, what criteria should I be looking for in that security? Certainly, dividend income ? that's a given! And since I never intend to sell the security, capital gains may not even be an issue (more on this later).

So then, what else? I would argue that a company that just pays a dividend isn't good enough. Instead, I will only purchase those companies that have a long history of raising their dividend every year. This will eliminate a whole bunch of risk. It would eliminate the possibility that the company is 'cooking their books;' after all, the money has to be there to pay the shareholder. And because this company has been raising their dividend every year for many years, it eliminates the risk of investing in a start-up company that may not even be around in a year or so.

Also, the rising dividend every year would help off-set the risk of inflation and the risk of a lower stock price during the year would actually accelerate my income from the security.

Since I would want my position in the stock to grow through the years, thus increasing my dividend income, all dividends would be reinvested into the stock, until retirement. A lower stock price, therefore, would purchase more shares, at a higher dividend yield and would simply accelerate my dividend income.

Now the question may arise, when would I want to sell a stock? Certainly not because a Merrill Lynch has downgraded the whole sector ? that's a blessing in disguise ? a temporary lower stock price just means a higher dividend yield, allowing my dividend to purchasing more shares.

The question of when to sell a stock puts me in the mind of a quote I once read by Jacobsen ? "Judgment is the one thing you cannot learn at college. You either have it or you don't have it." The time/reason to sell a stock varies. If there comes a time when you have so much money tied up in just one stock position that it's making you feel uncomfortable, sell some of it. If the company you purchased stopped raising its dividend you may want to lighten up and/or divert the funds you were putting into that security into one that is continuing its program of increasing their dividend every year.

A company may trim their dividend ? when and if this happens (and it does) my advice is not to be overly anxious to sell the stock. Find the reason why the company is trimming their dividend. It may be to reduce debt or for the possibility of acquisitions. The company's dividend yield may have been around 6 percent, and all their peers' dividend yields are around 4 percent. Certainly, do not add to your holdings in this company, but give management a chance to see how they handle the extra cash, since they appear to have better use for the money, other than to pay their shareholders. The resulting growth in that company may make up for the lower dividend yield and two or three years later you'll get a better perspective on whether to sell the company or not (or to continue adding more shares through new monies, or simply to allow the dividends to continue purchasing the stock).

For more excerpts from the book 'The Stockopoly Plan'
Visit: http://www.thestockopolyplan.com

You have permission to this article either electronically or in print as long as the author bylines are included, with a live link, and the article is not changed in any way (typos, excluded). Please provide a courtesy e-mail to [email protected] telling where the article was published. (word count 986)

Charles M. O'Melia is an individual investor with almost 40 years of experience and passion for the stock market. Author of the book 'The Stockopoly Plan - Investing for Retirement', published by American-Book Publishing.

In The News:

Mutual Fund Corner: Should I invest in stocks or mutual funds?  CNBCTV18Get all your mutual fund related queries answered by our expert, Anand Dalmia, on our show Mutual Fund Corner.Get latest Business online at cnbctv18.com.
Best large & mid cap mutual funds to invest in 2019  Economic TimesThe re-categorisation and rationalisation of mutual funds by Sebi last year created some new categories, including the large & mid cap mutual fund category.
Under pressure to perform well, MFs bought & sold these stocks in December quarter  Economic TimesNEW DELHI: With back clearly to the wall after a not so pleasant year for equities, mutual funds (MFs) went about recasting their portfolios a bit in the December ...
Fund managers' picks: Large, mid & smallcap stocks that MFs bought, sold in Dec  Moneycontrol.comMF assets declined to Rs 22.8 lakh crore in December 2018 from Rs 23.4 lakh core in Nov 2018 on the back of moderation in the flows in equity funds and ...
Mutual funds may need smart bets on smallcap stocks to beat ETF show  Economic TimesSmallcap stocks could see up to ₹1 lakh cr inflow as fund managers look for potential winners: Analysts.
Remembering Jack Bogle, colossus of mutual fund industry  LivemintVanguard founder Jack Bogle turned the mutual fund industry on its head more than 30 years ago by thinking of and acting in the interest of the retail investor.
Hot and Cold Stocks of Mutual Funds in November 2018  MoneylifeIn November 2018, Axis Bank and ICICI Bank were the most preferred stocks of Indian mutual funds.
The dangers of high mutual fund inflows  LivemintIndian mutual funds have pumped about ₹1.2 trillion into the equity markets in each of the last two years.
Best mutual funds to invest in India  Times of IndiaFAQs News: Market analyst says that it would be difficult for investors to get high returns in 2018 pointing to the volatility faced by the stock market. The inv.
Large-cap and Mid-cap Stocks Top Mutual Fund Schemes Are Betting On  MoneylifeEquity mutual funds (MFs) are run by expert stock-pickers.
Mutual Fund Update: Top 5 stocks that MFs sold  Dalal Street Investment JournalMutual funds are institutional investors, the buying and selling transaction of fund houses happen in huge numbers which also affects the stock prices in some or ...
New to stocks? Try aggressive hybrid funds: Dhirendra Kumar  Economic TimesThe promise of a small cap is that they turn out to be a bonanza when they become a midcap or large cap, says Dhirendra Kumar, CEO, Value Research.
What You Owe John Bogle, Iconic American Inventor  ForbesJohn Bogle arguably did as much or more for investors than any Nobel prizewinner, although he never won one. Along with Edison and Ford, Gates and Jobs, ...
Sebi issues norms for mutual funds investments in derivatives  Moneycontrol.comCurrently, mutual fund schemes are permitted to undertake transactions in equity derivatives but cannot write options or purchase instruments with embedded ...
3 JPMorgan Mutual Funds to Buy Now  Zacks.comBelow we share with you three top-ranked JPMorgan mutual funds. Each has earned a Zacks Mutual Fund Rank #1 (Strong Buy).
Berko: Do not invest in Chinese stocks, mutual funds  The ColumbianDear Mr. Berko: My wife and I are thinking of investing in Chinese stocks or mutual funds. If we were to buy stocks, we'd invest $10000 each in Alibaba, Noble ...
Sebi tweaks stock weightage norms for equity ETFs, index funds  Economic TimesIn a circular issued to all mutual funds and asset management companies, Sebi said an index used for equity ETFs or index funds should have at least 10 stocks ...
This little-known tax plan beats every other ELSS fund; should you invest?  Moneycontrol.comKnow here what is Quant Tax Plan and why it is topping the charts.
Investors pulled a record $143 billion out of active funds during December's plunge  CNBCAccording to data from Morningstar, actively managed funds experienced outflows of nearly $143 billion in December, their worst month ever.
Bogle changed investing forever with index funds, but wasn't always happy about it  CNBCJack Bogle was sure of his pioneering market invention, but he always had misgivings about what it had become. Bogle, who died Wednesday the age of 89, ...
India's stocks are hostage to US Fed rate cycle: Mutual fund giant  The New Indian ExpressWhile the US central bank's influence on emerging assets is hardly an unknown phenomenon, India's USD 2 trillion stock market has also been whipsawed in ...
4 Small-Cap Growth Mutual Funds for 2019  Zacks.comSmall-cap funds that offer good earnings potential could be your best bet amid economic tailwinds and growth projections.
India's stocks held hostage to Fed cycle, says S Naren  Economic TimesBy Ameya Karve For all the domestic drivers of India's stocks -- from oil to elections to shadow banking shakeouts -- the U.S. Federal Reserve holds the most ...
Founder of financial giant Vanguard, 89, dies  The Business TimesTHE BUSINESS TIMES Companies & Markets - JOHN C Bogle, who founded the Vanguard Group of Investment Cos in 1974 and built it into a giant mutual fund ...
Should I trade stock mutual funds for CDs?  MoneyRates.comMoving out of stock mutual funds into CDs may seem like a good way to manage risk during a volatile market, but wide swings in asset allocation could make ...
RIL first Indian private firm to post Rs 10,000 crore quarterly profit; 10 takeaways from Q3 earnings  Economic TimesNEW DELHI: Reliance Industries (RIL) on Thursday put up a solid Q3 show by becoming the first Indian private firm to cross Rs 10,000 crore quarterly profit ...
Analysis | Jeffrey Vinik Thinks He Can Beat the Stock-Picking Bots  Washington PostStock pickers are striking back. Jeffrey Vinik, who rose to fame as manager of the Fidelity Magellan Fund in the 1990s, told CNBC last week that he was getting ...
Dow Jones Futures: Netflix Stock Hit By Netflix Earnings Guidance; Stock Market Rally Moves On  Investor's Business DailyDow Jones futures: Netflix earnings guidance didn't signal much trouble for the stock market rally but did slam Netflix stock. The Netflix stock fall could lead to a ...
John C Bogle, founder of financial giant Vanguard, is dead at 89  bdnews24.comVanguard announced his death. Bogle, who had struggled with a congenital heart defect and had several heart attacks, had received a heart transplant in 1996.
Don’t overlook mid-cap stocks — they beat large-caps by a mile in the long run  MarketWatchCompanies with market values of $2 billion to $10 billion are selling at cheaper valuations than large-caps and small-caps.
Take Buffett’s Advice: 5 Vanguard Funds to Buy  Investorplace.comWarren Buffett believes index funds are the way to go for most investors, making these five 'products' from Vanguard Funds worth owning.
A Newly Reopened Small-Cap Fund Worth Considering  Morningstar.comSilver-rated Loomis Sayles Small Cap Growth boasts long-tenured mangers practicing a well-executed process.
John Bogle, Vanguard founder and index pioneer, a 'hero to investors'  The Australian Financial ReviewJohn Bogle, who popularised the low-cost index-based mutual fund as founder of Vanguard Group and insisted that most stock-picking money managers ...
Atlassian Stock Pops As Quarterly Earnings, Revenue Top Expectations  Investor's Business DailyAtlassian (TEAM) on Thursday reported fiscal second-quarter profit and revenue that topped expectations and issued mainly in-line guidance for the current ...
Stock Focus: Investors Keen on Agnico Eagle Mines Limited (NYSE:AEM) as it Makes Headlines With Moves  The Coin GuildMajor market players are buzzing over Agnico Eagle Mines Limited (NYSE:AEM) as their share price hit $39.14 at the end of the most recent trading session.
7 stocks most favoured by mutual funds over last one year  Economic TimesAs the markets hit a speed bump, stocks favoured by mutual funds appear to be safer bets.
Stock Watch: Investors Focusing on Shares of Maxwell Technologies, Inc. (NASDAQ:MXWL) as Company Makes Headlines With Moves  The Coin GuildMajor market players are buzzing over Maxwell Technologies, Inc. (NASDAQ:MXWL) as their share price hit $2.33 at the end of the most recent trading session.
Stock Watch: Investors Focusing on Shares of Ionis Pharmaceuticals, Inc. (NASDAQ:IONS) as Company Makes Headlines With Moves  The Coin GuildMajor market players are buzzing over Ionis Pharmaceuticals, Inc. (NASDAQ:IONS) as their share price hit $58.26 at the end of the most recent trading session.
Is your mutual fund buying or selling stocks too much?  LivemintHere are equity mutual fund schemes with the highest turnover.
Mutual funds bet big on these 30 stocks in November; do you own any?  Moneycontrol.comMF industry assets grew to Rs 23.4 lakh crore, on the back of improved inflows into liquid funds and steady equity markets.
Institutional Investors Have Been Buying These 3 Singapore Blue Chip Stocks  The Motley Fool SingaporeThese latest institutional buying activities might be a source of ideas and inspiration for investors to take note of.
Market News: Investors Keen on Teradyne, Inc. (NYSE:TER) as it Makes Headlines With Moves  The Coin GuildMajor market players are buzzing over Teradyne, Inc. (NYSE:TER) as their share price hit $31.79 at the end of the most recent trading session.
Trend in the News: Investors Keen on Five Below, Inc. (NASDAQ:FIVE) as it Makes Headlines With Moves  The Coin GuildMajor market players are buzzing over Five Below, Inc. (NASDAQ:FIVE) as their share price hit $116.99 at the end of the most recent trading session.
Worried You're Never Going to Be Able to Retire?  Kiplinger's Personal FinanceFive common threats to your retirement (and how you can tackle them now).
Fund managers ready to go shopping after sharp correction in stocks  Moneycontrol.comMutual funds that were holding around 8-10 percent cash level in their equity portfolio are likely to purchase shares of companies in banking and financial ...
Why stopping mutual fund SIPs when stock market falls can jeopardise your financial goals  Economic TimesFear has returned to Dalal Street. Caught in a perfect storm of weak macroeconomic numbers, the IL&FS crisis and fear of more defaults, equity markets have ...
Mutual funds' exposure to banks hits 3-month low of Rs 1.88 lakh crore in Sept  Economic TimesMutual funds' holding of banking stocks declined by over Rs 21,600 crore to Rs 1.88 lakh crore in September, driven by the correction in equity markets.
Check out what top five mutual funds bought & sold during October selloff  Economic TimesNEW DELHI: Mutual funds stood resilient as industry's asset base increased to Rs 22.23 lakh crore in October in spite of a heavy correction in the domestic ...
Mutual funds that destroyed most investor wealth in the September selloff  Economic TimesThe recent selloff in the stock market has raised fears of a rush for redemption in mutual funds.​
Five stocks that mutual funds think can outperform  Economic TimesA volatile month gave fund managers a chance to cherry-pick stocks.
Shall I buy the HDFC AMC stock or mutual fund?  LivemintThe HDFC Asset Management Co. Ltd stock closed 65% up on the first day of listing over its IPO price of ₹1,100 per share. Investors who sold on day one, saw ...
When should you sell your mutual fund schemes? - Stocks and equity mutual funds are different  Economic TimesInvesting in an individual stock and equity mutual fund scheme is different. You must look at various parameters like key ratios while investing in a stock. Hence ...
Value focussed MF are cutting their exposure to Indian stocks. What about you?  Moneycontrol.comAs valuations climb, the funds have chosen to stay light on Indian stocks and exposure to bonds and arbitrage has gone up.
How stocks picked by mutual funds over 2014 to 2017 have performed  Economic TimesWhile the most wanted stocks of 2014 and 2015 have done well, the recent picks have disappointed.
New stock ideas boost equity mutual fund portfolios  LivemintIt is imperative for mutual fund houses to beef up their research capabilities, to be able to identify more winning new ideas.
Investing in equity mutual funds versus investing in shares: Which is better?  Economic TimesBy Dhirendra Kumar Hopefully, by now my columns have convinced you that most of your long-term investments should be in equity. The next question to be ...
Are mid and small-cap mutual funds holding too many illiquid stocks?  Economic TimesLiquidity has been scarce in Indian capital markets in recent weeks. Mutual funds have also not been spared the pain, with liquid and money market funds ...
Why your mutual fund earned you less than Nifty in recent market rally  Economic TimesThe more the number of stocks in an index, the weaker is its performance.
Mutual fund lesson: What should you do in volatile markets?  Moneycontrol.comCost of investing in equities is that it is a volatile asset class- there will be times when your portfolio value will be lower than what you invested.
How your mutual funds played the balancing act during stocks crash  Economic TimesBy Bhavana Acharya The last three months has been a bumpy ride for largecap stocks. The year so far has been unkind to the midcap and smallcap set.
Small- and mid-cap mutual funds open doors again, but should you invest?  LivemintL&T Emerging Businesses Fund and DSP Small Cap Fund have allowed *fresh* mutual fund investments, taking advantage of a continued correction in small- ...
Picking the best mutual fund: Are past returns relevant after re-categorisation?  Moneycontrol.comWhile selecting a scheme for investment or while deciding whether to continue with a current investment, a fund's performance track record does play a critical ...
Mutual fund holdings in IT stocks touch all-time high  Economic TimesMumbai: Fund managers are betting big on the IT sector, on the back of an improving global macro environment, depreciating rupee and rise in IT spends.
Is it a good time to invest in small-cap mutual fund schemes?  Economic TimesDespite the slide in the Nifty Smallcap100 index, fund houses seem to be placing faith in small-cap funds again. Should investors take the cue?
5 strategies for investing in mutual fund in the current market to get good returns  Moneycontrol.comMutual fund investing is all about ascertaining your goals and setting out to reach them.
These 18 consistent mutual funds may help you to beat stock market volatility  Economic TimesMany equity mutual fund advisors abhor volatility in the stock market. They are always searching for ways to tackle this beast which gives them sleepless nights.
Why HDFC Bank stock is among the top picks of mutual funds  Business TodayPrivate sector lender HDFC Bank, the third-largest Indian firm by market capitalisation, is among the favourite stocks in the portfolios of mutual funds. Despite ...
List of best mutual fund portfolios as per your risk appetite  Moneycontrol.comYou can build a portfolio of mutual fund schemes based on your risk profile.
Do not make these 7 mistakes while investing in mutual funds  Moneycontrol.comNever forget that you are investing because you have to achieve your financial goals. Investing without a goal is akin to travelling without a destination.
Mutual fund managers bought & sold these 20 stocks in May  Moneycontrol.comRelative valuations are attractive and around average, but midcap valuations are still looking stretched despite the recent drawdown, Morgan Stanley said in a ...
Top stocks bought and sold by mutual funds in June 2018  IndiainfolineInvestors should focus on longevity to create wealth. We advise investors to stay invested in those stocks whose growth story is still intact.
Mutual Funds For First Time Manage More Money In Stocks Than Insurers  BloombergQuintMutual funds for the first time manage more money in equities than insurers as the last stock rout erased the gap that started narrowing after demonetisation.
Some international funds are giving around 40% returns. Should you invest?  Economic TimesInternational mutual funds are topping the return charts. The category has returned around 20 per cent in one year. Should retail investors bet on these schemes ...
Investing in stocks needs deep understanding of markets  LivemintDirect investing into individual stocks requires deep understanding of the markets and continuous involvement into investing.
HDFC AMC's Stellar Listing | Should you invest in the stock or its funds?  Moneycontrol.comHDFC AMC made a bumper debut at the stock markets last week making its investors richer by over 65% on day one.
Fund managers' bets: Top 10 large, mid and small-cap stocks that MFs bought in October  Moneycontrol.comMF industry assets grew to Rs 22.2 lakh crore on the back of improved inflows into equity-oriented and liquid funds.
How to Invest in Mutual Funds  The Motley FoolIf you want to understand how to pick the right mutual fund for you, you've come to the right place. In the guide below, I've put together all the major pieces of ...
Bleeding mutual funds: Should you go back to good old fixed deposits?  Moneycontrol.comAre you worried about the losses on your investments in mutual fund schemes? You are not alone. There are many investors who dumped their good old fixed ...
Top 10 large, mid and smallcap stocks which fund managers bought & sold in September  Moneycontrol.comFears of a liquidity crunch following the IL&FS crisis hit the mutual fund industry in September. Cash plans, or liquid funds, were the worst hit.
HDFC AMC, Reliance Nippon stocks fall over 9% after Sebi caps expense ratio of mutual funds  Business TodayThe stocks of asset management companies (AMCs) fell in trade today on fears of lower revenues after market regulator Sebi capped expense ratio for mutual ...
Kotak Mutual Fund is betting on these 5 sectors in 2019  Moneycontrol.comWhile current valuations are not cheap, the fund house expects a further pick-up in earnings.
Benefits of asset allocation in mutual funds  Economic TimesWith macros looking weak and stock market indices at a new high, financial planners believe it is important for investors to follow the principle of asset allocation.
Should you shift from large-cap mutual funds to index funds?  Economic TimesThe index fund category of mutual fund schemes is slowly gaining traction among investors. The fortunes of index funds are changing as not only are they being ...
How diversified should a mutual fund be?  LivemintThe extent of diversification is driven by the mutual fund's strategy and the market segment it invests in.
How much do mutual fund managers invest in their own schemes?  Moneycontrol.comEver since SEBI mandated mutual fund houses to disclose how much fund managers, directors of the asset management company and other key employees ...
Top 10 wealth creator mutual fund schemes of 2018  Moneycontrol.comThe IT sector has been riding on good earnings show by the IT giants in India. The depreciating rupee is in the last few years boosted the fortunes of the ...
Mutual Funds Four Strategies For Managing A Portfolio Of Mutual Funds  InvestopediaNow that you've built your portfolio of mutual funds, you need to know how to maintain it. Let's talk about how to manage a mutual-fund portfolio by reviewing four ...
Why liquidity offered by mutual funds is good for you  Moneycontrol.comYou may come across emergencies which warrant sudden requirement of cash. In such a situation, mutual funds come in handy.
These 10 stocks make up over one-third of entire mutual fund portfolio in India; check full list  The Financial ExpressEven as Sensex and Nifty continue their strong rally driven by a cheer in blue chip stocks, just 10 top names make up a whopping 34% of the entire mutual fund ...
Choose your mobile app wisely to invest in direct mutual funds  Moneycontrol.comSome mobile apps are not updated on regular basis. Often there may be errors in the stocks portfolio of several schemes.
Mutual Fund Investment: Should you invest in MFs when the stock market is down?  The Financial ExpressIn a situation where the stock market is down, you can actually give yourself a 'smart investor' tag by buying more units of mutual funds to benefit out of the crash.
Sebi may tighten liquid MF rules  Economic TimesBy Pavan Burugula & Reena Zachariah The Securities and Exchange Board of India (Sebi) is considering a proposal to tighten rules for liquid mutual funds ...
FIIs, MFs bet on 138 stocks in last 1 year; should you buy?  Moneycontrol.comOut of the 138 stocks which witnessed increase in weightage on a year-on-year basis, as many as 14 stocks saw a correction of 20-80 percent in the last 1 year.
10 mutual fund options that could be good bets as markets trend higher  Moneycontrol.comInvestment advisors feel this is time for caution and that investors should veer more towards funds with exposure towards large-caps or those that are multi-cap ...
Mutual funds garner Rs 7,985 crore via SIPs in November  Economic TimesNEW DELHI: Retail investors continued to pour money in mutual fundS through systematic investment plans (SIPs) as the industry received Rs 7,985 crore via ...
What Is a Mutual Fund? Pros, Cons, Types and How to Invest  TheStreet.comKeep hearing about mutual funds but don't really know what they are? No sweat! TheStreet breaks down what a mutual fund is, the different kinds, and how to ...
'Opt for index funds': Founder of world's largest fund company has advice for investors  Moneycontrol.comJohn C Bogle founder of Vanguard Group also said that dividends are the best friends of stock investors.
Here are top buys and sells by mutual funds in August when Sensex, Nifty hit record highs  Moneycontrol.comAmong largecaps, HDFC AMC, Sun TV Network, TVS Motor, Vedanta and Tech Mahindra topped the August buying list of top 10 mutual fund houses which ...
India's Stocks Are Hostage to Fed Rate Cycle, Mutual Fund Giant Says  BloombergQuint(Bloomberg) -- For all the domestic drivers of India's stocks -- from oil to elections to shadow banking shakeouts -- the U.S. Federal Reserve holds the most sway, ...
IL&FS downgrade to hit 35 MF schemes as well  Economic TimesMUMBAI: ICRA has downgraded the debt of IL&FS to a level below that considered investment-grade for mutual funds, putting the spotlight on asset managers ...

Paddle Your Canoe

At some time in your life you have been on... Read More

Acapulco - The Stock Market Dives

There is a famous cliff on the ocean in Acapulco... Read More

The Secret to More Winning Trades is as Simple as Avoiding This Common Mistake

If you're a normal human being, your need to feel... Read More

Stock Market Insanity

Let's first define insanity. It is doing the same thing... Read More

When?

When will the stock market stop going down and start... Read More

Trading Education: The Best of Both Worlds!

I made my very first investment in the stock market... Read More

Stock Market Investments

If there is one term over-used when talking about making... Read More

My Neighbor Got A New Car

I don't know what kind it is, but I saw... Read More

Race Horses and Mutual Funds

For years investors have been taught to look into the... Read More

A Funny Thing Happened on the Way to the Stock Market

On the 40 year journey through the turmoil of a... Read More

Your Job

There are so many kinds of work that needs to... Read More

No Load Mutual Funds: Investment Hype vs. Investment Help

With the internet such a huge part of our daily... Read More

Buying Mutual Funds

It looks like the market is ready to start up... Read More

Trading For A Living - Part 1

There can't be many traders who haven't at least considered... Read More

Invest, Be Wrong, and Make Money in the Stock Market

I have been trading for several decades and was an... Read More

Trading vs Investing

I often hear from people, "I don't trade. I invest.... Read More

Low Expense Ratio

One of the big advertising kicks today from mutual funds... Read More

The Bottom?

Every day I hear someone on CNBC proclaim that "this... Read More

The Holy Grail (of Investment)

Every year I go to the Money Show in Orlando,... Read More

Fake Money

Reach in your pocket and take out that big roll... Read More

Advantages and Disadvantages of Mutual Funds

Outlined below are some of the advantages and disadvantages of... Read More

Different Types of Mutual Funds

This is a guide to the different types of mutual... Read More

More Window Dressing

Two weeks ago I wrote about what the Securities and... Read More

Stealth Bull

If you have been watching the stock market at all... Read More

What is a Mutual Fund?

Ever wondered what is a mutual fund? A mutual fund... Read More