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Liberty Investing Articles


A Few Words about Hybrid Funds 

A Few Words about Hybrid Funds

Article Description:

Hybrid funds are mutual funds that invest in a mixture of stocks, bonds, and to some extent cash to meet a certain objective, such as growth or income. They offer investors, who are interested in managing risk, the benefit of one-stop asset diversification. By holding assets that perform well at different business cycle phases, hybrids have built-in “shock absorbers” that tend to cushion downturns in any one market segment. (Note: Diversification does not assure a profit or protect against loss in a declining market.)

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Increasing Portfolio Efficiency with Strategic Asset Allocation 

Increasing Portfolio Efficiency with Strategic Asset Allocation

Article Description:

Each investor’s asset allocation mix should be a unique reflection of an entirely unique situation. By allocating assets in a manner that accounts for time horizons, goals, and risk tolerance, an investor can take a large step forward in solidifying a long-term financial plan. Along the way, strategic asset allocation can help achieve efficient portfolios that balance risk and return based on the investor’s profile.

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Investing: A World of Opportunities 

Investing: A World of Opportunities

Article Description:

As geographic borders throughout the world are changing, so are international investment opportunities. Well-known companies that maintain headquarters outside the United States may produce many of our most frequently purchased consumer goods. Along with their foreign counterpart companies, these businesses have stocks that may offer significant growth potential to interested investors.

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Is an Equity-Indexed Annuity Right for You? 

Is an Equity-Indexed Annuity Right for You?

Article Description:

Investors looking to minimize risk, while still having some exposure to the stock market, may be attracted to the equity-indexed annuity (EIA). A relatively new insurance product, the EIA was created to appeal to people looking for a financial planning solution that entails less risk than the variable annuity, which does not offer a guaranteed rate of return but has more potential for growth than the fixed annuity, which pays a set rate of return.

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Maximizing the Potential of Money Market Funds 

Maximizing the Potential of Money Market Funds

Article Description:

Investors often need somewhere stable to “place” their funds while they try to decide what their next step will be. A popular spot chosen by investors for those “placed” funds are money market funds. Money market funds consist of liquid assets with short-term maturities of less than one year.

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The Dangers of Trying to Time the Market 

The Dangers of Trying to Time the Market

Article Description:

Are you considered clairvoyant? Do you win an office football pool every year? Or are you the sort of person who, while possessing no psychic abilities, does not mind spending hours crunching numbers and analyzing obscure data in hopes of discerning future trends? If you failed to answer yes to any of these questions, then market timing may not be for you. The belief that you, or a particularly talented financial manager, can foresee the direction of the stock market is a seductive one. Some investors are confident that, with proper research, they can make money by snapping up equities when prices are low, and shifting their investments into cash or bonds when the market hits its peak. But longitudinal studies have shown that most market timers not only fail to beat the market, they may actually earn less over time than buy-and-hold investors.

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Value Investing and Today’s Affluent Portfolio 

Value Investing and Today’s Affluent Portfolio

Article Description:

Every consumer likes a good bargain, particularly value investors, who seek out stocks trading for less than their intrinsic value. By choosing companies the market has undervalued, or investing in mutual funds with similar objectives, value investors may realize positive returns. With proper diversification, the prudent use of a value-based investment philosophy may well serve the long-term needs of today’s investor.

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