Category: 401K

يمكن أن يكون الألماس الذهب الجديد؟

هناك عدد صغير من خبراء الاستثمار حول العالم تتنافس وراء الكواليس لتحويل الأحجار الكريمة إلى سلعة التي ستكون متاحة للمستثمرين في الطريقة التي تم تداول أسهمها الذهب من خلال صناديق في البورصات.
التجارة في الماس محدودة في الولايات المتحدة لسوق التجزئة للخواتم الخطبة وغيرها من المجوهرات والمساومة الغرف الخلفية بين التجار في أماكن مثل حي الماس في مانهاتن في شارع 47 غرب

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الذهب مربح ومفيد منذ القدم وبالتأكيد سيظل كذلك في المستقبل

How to Invest for Retirement

Investing for retirement is more complicated than opening an IRA or maxing out your 401(k). In fact, according to a 2010 survey by Charles Schwab of people 50 and older, nearly one in three say they find investing for retirement a bigger challenge than dealing with expenses or saving money. And no wonder: Pensions have mostly given way to so-called defined-contribution plans — think 401(k), 403 (b) and 457 plan — which have placed the burden of investing to provide for a steady income on your shoulders.

Park your money in the right accounts. The U.S. tax code offers several advantages for retirement investors. Many Investment companies offer free booklets on diversifying your retirement portfolio and making the right decision.

  • Go to the max. The government sets annual contribution limits on retirement accounts. Do your best to max them out: 401(k) accounts and other workplace retirement plans have a $16,500 annual contribution limit ($22,000 for those 50 or older). IRAs and Roth IRAs both have $5,000 limits ($6,000 for those 50 or older).
  • Save even more. Any extra savings for retirement should go into a taxable brokerage, certificate of deposit or bank account. A common goal is to save at least 20% of your income each year, more if you’re way behind.
  • Pay attention to “asset location.” For people who have both tax-favored retirement accounts like 401(k)s and IRAs, as well as brokerage accounts, it can be a challenge to figure out in which accounts to put which investments. Two recent studies conclude that you should put a higher percentage of stocks into your taxable accounts, while taxable bonds are better off in your tax-favored retirement accounts like your IRA.

 

Focus on asset allocation. One key study shows that 91% of a portfolio’s performance is determined by the allocation of assets, not individual investments or market timing.

  • Age rules. Some financial advisers recommend the stock market or equity exposure equal to about 120 minus your age. If you’re 55, at least 65% of your portfolio should be in stocks, regardless of which types of accounts you are using to invest for retirement.
  • Fixed income matters. The remainder of your portfolio should in so-called fixed-income investments like bonds, bond funds or CDs, which generate annual interest income.
  • Additional resources: Test whether your asset allocation is in line with your goals with this SmartMoney Asset Allocation System. Check out sample asset allocations here.

Pick the right investments. Misguided investment choices can cost you tens of thousands of dollars over a lifetime.

    • Fees add up. Investment fees come in many forms, including expense ratios on mutual funds, commissions for stock or ETF trades, and account fees from advisers. Fees should be no more than 1% of your total portfolio.

Diversify.
Diversification is Important
A basic diversified portfolio might include several investment categories such as stocks, bonds, Secured Cryptocurrency (Digital Money) and cash. ( Don’t put all of your eggs in one basket.)
Find out more about transferring an existing IRA, SEP, 401(k), 403(b) or TSP plan into physical precious metals.

 

Why is gold so valuable? Is Your Money Safe in Bank Accounts?

Gold has the highest corrosion resistance of all the metals and it is corroded only by a mixture of nitric and hydrochloric acid. Gold does not oxidize.
Wall Street Journal lists gold as a commodity and considers gold as a currency, Gold continues to hold it’s value even in times of war or crisis. Investors turn to Gold as safe-haven in times of geopolitical crises. Historically, Gold outperformed cash sitting in banks.
Of all the precious metals, Gold is the most popular as an investment, Investors buy Gold as a way of diversifying risk, Gold has the most effective safe haven and hedging properties across many countries
Central banks are storing gold. China, Russia and numerous Asian and West Asian national banks have begun buying and storing gold.

For the stock portion of your portfolio, consider index funds and mutual funds and get exposure to domestic and international markets, as well as small, medium and large-cap stocks; for the fixed income portion of your portfolio consider bonds, bond funds, CDs or possibly real estate or commodities.

Ask for help. A financial adviser can help you pick low-cost investments to help you meet your retirement goals. Be mindful, however, of how that adviser gets paid.
Select a range of investments for optimal diversification. Find a financial advisor using NAPFA.org.

 

 

What not to do. Think rationally, not emotionally.

  • Don’t try to time the markets. A study by Morningstar found that people who try to time the markets end up with significantly lower returns than those who buy and hold.
    Don’t tinker too much. Don’t change your investments on a whim; instead, once a year, make review your portfolio, either on your own or with an adviser. Investors who rebalanced their $100,000 portfolios once a year ended up with roughly $31,000 more over a 20-year period than those who didn’t re-balance and nearly $20,000 more than those who rebalanced monthly.
  • Don’t assume you can make up for a lost time. Many people delay maxing out their retirement account contributions, assuming they can make up for lost time later on.

SmartMoney.com

 

 

Trade Oil Online

Updated May 20, 2020

Trade Oil Online

With the price of oil skyrocketing (the price recently increased by 14% in a single week), you may be wondering if now is the right time to invest in this commodity.

There are plenty of ways to get in on the oil industry. For example, you can buy stocks of oil and drilling companies. But one of the most profitable – and riskiest – investments you can make is in oil futures.

The energy sector has been a disaster zone this year, as the coronavirus pandemic has decimated global oil demand. West Texas Intermediate, the benchmark U.S. crude, has plummeted nearly 70% to a recent $19.21 a barrel, while Brent, the most popular international benchmark, is down 60%, to $26.34. Most oil and gas producers, including the majors, will lose money in 2020 or barely eke out a profit, and most of those still paying dividends will have to borrow to cover the cost. As for energy stocks, they have made fools of their fans for nearly a decade and now account for a measly 3% of the S&P 500 index.

Yet, the members of Barron’s 2020 Energy Roundtable see glimmers of hope for this beleaguered sector—and long-suffering investors—even though things could get worse before they get better. The painful steps that energy companies are taking to reduce supply and conserve cash are likely to pay off in higher oil and gas prices over the next two years—and stronger operations and balance sheets for the industry’s survivors. Emblematic of recent moves, Royal Dutch Shell (ticker: RDS.B) slashed its quarterly dividend on Thursday by 66%, to 16 cents a share from 47 cents, its first cut since World War II. And on Friday, Exxon Mobil (XOM) reported its first quarterly loss in decades.

Our 2020 Roundtable panelists include Phil Gresh, an energy analyst at J.P. Morgan; Bernadette Johnson, vice president of strategic analytics at Enverus, a data and analytics provider to the energy industry; Patrick Kaser, a portfolio manager specializing in large-cap value stocks at Brandywine Global; and Robert Thummel, a senior portfolio manager at Tortoise, which invests in “midstream” companies focused on energy transportation, storage, and marketing. The consensus among the group is

that oil prices could double in the next year or so, to about $50 for Brent, as the global economy reopens and crude supply and demand ease back into balance.

For companies to produce oil profitably, Brent needs to trade around $50 a barrel.

— Phil Gresh, J.P. Morgan

Barron’s conducted the 2020 Energy Roundtable in mid-April via Zoom, and followed up by phone with the panelists to get their read on ever-changing market conditions. Oil prices, for one, perked up last week, with June WTI futures jumping 25% on Thursday, while many energy stocks have rebounded by 40% or more from their late-March lows. Even so, our panelists consider stocks such as Chevron (CVX), ConocoPhillips (COP), Valero Energy (VLO), and Williams Cos. (WMB) compelling buys at current prices.

Patrick Kaser: There is an assumption that anyone looking to invest in energy stocks, and oil stocks in particular, is an idiot. [Laughter] That assumption appears pretty reasonable—if you’re looking in the rearview mirror. What will it take for the group to do well? Over the long term, things will normalize. In January, the industry was on a path to a pretty good environment. Brent crude was trading in the $60s. Supply and demand looked reasonably balanced, and excess capacity was lower than it generally had been in the past 30 to 40 years. We think things will get back there, but the timing is uncertain. The stocks have been destroyed. There will be survivors that come out on the other side looking stronger. Their shares are pretty attractive right now.

Phil Gresh: If you rewind the clock to December, companies with the right cost structure could thrive in a $60 Brent environment. They could cover their dividends fully. Oil companies were buying back stock with excess cash flow. They could compete with the S&P 500 on a cash-flow-yield basis—and then the oil price had a tumultuous drop.

Source: Bloomberg

Source barrons.com Read More…..

 

 

 

How to trade Oil online Crude Oil trading is performed in the same way as FX or Foreign Currencies Trading Oil Is King – More people trade oil than any other commodity. Its importance in the world and demand is increasing due to China and India becoming increasingly important to the world economy. You can trade oil futures using options and commodities from anywhere there is a computer with internet service. Trading commodities like (Gold, Silver, Metals) or Dow futures is exactly the same as trading Forex Many Forex brokers also allow you to trade oil, gold and the Dow. Forex is mostly traded on the MetaTrader 4 platform and this often includes these instruments without people realizing. Most MetaTraders have all sorts of additional instruments, often shares and sometimes even including the DOW. To reveal these, you need to right click in the Market Watch window (where the currency pairs are displayed) and click on ‘Show All’. Trading, as opposed to buying shares, allows two big advantages. The first is that you can profit from falling prices just the same as rising prices, by selling first rather than buying. The second is ‘leverage’ which allows you to buy huge quantities with just a small deposit. You can make a profit from a small move up or down in price. This is potentially risky but like Forex Trading you always put in an automatic ‘stop loss’ to close the trade should the price move against you by a set amount. You can also put in an automatic ‘limit’ to close the trade. You can place the trades anywhere you like, including spread betting. The amount of capital you require varies from broker to broker but most will trade mini contracts but you need a minimum of a thousand dollars in your account. You can start trading with $100 (it is called micro account) but it is not a good idea! Futures prices are estimated price for delivery at a set date in the near future.

Here is how a typical trade for crude oil works. We see that the quoted price is 71.50 – 71.56 so this means that we can buy at 71.56 oil and sell at 71.50 – the difference in prices being the broker’s profit. In conclusion, trading oil for a living is not only fun but a profitable and flexible way to make income online.

A. Dababneh