FinanceHub Blog

Investing Basics

Investing Basics

Investing is a means for individuals to increase their wealth. Investing comes in all styles and flavors, and is as varied as the individuals who invest. It is basically placing your money in an investment vehicle (such as a stock, bond ETF or Mutual Fund, which we will discuss later), instead of letting it sit in a low returning, traditional bank savings account.

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The Benefits of Portfolio Rebalancing

The Benefits of Portfolio Rebalancing

What is portfolio rebalancing? Portfolio rebalancing is the periodic realignment of a portfolio’s holdings through buying or selling incremental share lots to maintain the originally desired level of holdings. This rebalancing process restores portfolio holdings to their optimal target allocations, helping investors avoid portfolios drifting too far away from their initial and intended objectives. A typical rebalancing strategy tends to sell (trim) assets that have significantly appreciated in price, while adding to those that have declined. At its core portfolio rebalancing is a risk‐minimizing strategy.

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Setting Your Investment Objectives and Expectations

Setting Your Investment Objectives and Expectations

Setting your investment objective(s) and expectations is probably first thing an investor should think about before investing. Knowing why you’re investing is the easy part, however getting there requires a bit more planning. Thus, whether you’re saving for retirement, buying a home, or setting aside money for the children’s college tuition, laying out a financial plan is the first step.

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Retirement Investing ... Start Early, Contribute Often!

Retirement Investing ... Start Early, Contribute Often!

When it comes to retirement investing, the cardinal rule is start as early as possible! The more you invest and the earlier you start, the more time your retirement savings will have the potential to grow in value. No one knows where the social security system will be 10, 20 or 30 years down the road, so planning for your golden years should start with you and not rely on the government. In the column below we will share some insights on retirement planning.

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Key Investment Terminology

Key Investment Terminology

The amount of investment terminology that exists is so vast we could probably go on for days! However, most of the terminology does not reference things the majority of investors will deal with on a day to day basis, so we’ll stick to the basics.

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How To Avoid Investment Fraud

How To Avoid Investment Fraud

Every year investors lose billions upon billions of dollars due to perpetrators of investment frauds. While in many cases fraudsters targets the elderly and/or novice investors, even the most astute investor can be ensnared by a good con artist! The best way for investor to not fall victim to investment fraud is to become educated and aware of the common signs of fraud.

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What You Should Know About a Personal Loan

What You Should Know About a Personal Loan

Life happens. You need cash. It could be to pay for home improvements, a wedding, medical bills, or even that once-in-a-lifetime trip. Personal loans are one way to get the money you need. But not the only way. If you have a really excellent credit score, you could qualify for a credit card that offers zero interest for a year, or even longer. However, if you decide that a personal loan is the best option, there are some things to consider.

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Refinancing Your Mortgage: Is it right for you?

Refinancing Your Mortgage: Is it right for you?

A lower interest rate for anyone carrying a mortgage is awfully tempting. Who doesn’t want to pay less each month? Plus it seems everyone is doing it. But refinancing your mortgage really depends more on you, that what today’s interest rates are showing.

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Personal Loan: Secured or Unsecured?

Personal Loan: Secured or Unsecured?

When shopping for a personal loan, you have 2 choices: secured or unsecured. You also have a third choice called “Winning the Lottery.” But since the odds are not in your favor, let’s go back to the first 2 choices.

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Want To Refinance Your Student Loan?

Want To Refinance Your Student Loan?

Congratulations on your recent graduation! Now it’s time to start thinking of how to pay off those loans that provided for tuition, books, and ramen. In other words, welcome to adulting.

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How Much New House Can You Afford?

How Much New House Can You Afford?

You’ve found your dream home. Congratulations! Now the question is, can you really afford it? Overextending yourself is only going to lead to stressful days and sleepless nights. Nothing dreamy about that.

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Home Equity Loan or Personal Loan?

Home Equity Loan or Personal Loan?

While a new coat of paint can do wonders for a room, large scale improvements literally transform your home. New rooms, remodeled kitchens and bathrooms, or a finished basement not only create a more inviting and comfortable space, they add value to your home.

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Choosing A Mortgage Plan:

Choosing A Mortgage Plan:

Unless you’re one of the approximately 20% of home buyers who pay cash for their property, you’ll be shopping for a mortgage when buying your new home. It can be…well, confusing. There are a lot of options. Some right for you, some not. To help clear things up, we’ll go through the pros and cons of each of the major mortgage types to help you make a decision or spur further research.

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