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It’s a shame that the average person graduates from high school and still doesn’t truly understand compound interest, or adjustable-rate mortgages or what a 401(k) is. Far fewer still know how to navigate the world’s treacherous but lucrative financial markets. Why don’t you have the crucial knowledge you need? Because schools don’t teach it and telling the unvarnished truth isn’t conducive to selling high-priced financial products. As Vanguard founder John Bogle likes to say, “It’s amazing how difficult it is for a man to understand something if he’s paid a small fortune not to understand it.”
As one of the largest fee-only investment managers in the state of Georgia, our job is to help you chart out your own course to retirement. Here, presenters should place their credibility statement, education, title, and/or years of experience.
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As Albert Einstein observed about, money
“It is the most powerful force in the
universe.” – Albert Einstein
Five Really Simple Ways to Invest
Automate your investing
Tax Deferred and/or Tax Free Investing
Passive Index Funds
Pay Yourself first
Successful people quickly learn that investing is the cornerstone to
building financial security
Pay Yourself First
Investing every week or month keeps your investment plan on track
An investment program that allows
investors to contribute small amounts of
money, in regular intervals.
Funds are automatically deducted from the investor's
checking/savings account or paycheck and invested in a retirement
account like a 401k, IRA, mutual fund or ETF fund.
Simply buy a fixed dollar amount at regular intervals, regardless of
what the market is doing. Over time, you may be able to buy more
shares when prices are low and fewer when they're high.
Returns over time
This graph illustrates the effects of investing $50, $100 or $200 monthly. Hypothetical
results are based on a $2,500 beginning balance, investments made at the beginning
of the month and an 8% average annual return.
Invest slowly over time
Setting up your Plan
Invest in a retirement plan at work and have the money taken out of
your pay “pre-tax”.
Set up an automatic transfer from your bank account to a mutual
fund. Most funds have this feature
Use a Dividend Reinvestment Plan (or DRiP). Most companies have
these available or try ComputerShare. You buy one share and then a
fixed amount monthly. Most are about $50 each month.
Use one of the newer “roboadvisors” most have a mobile phone
How Robo Advisors work
Provide a series of answers about goals, risk tolerance and personal
finances to the Robo Advisor on a web site or mobile app
Robo Advisor run the information through its algorithms
Recommends investments to fit the needs of the investor
You no longer have to wait – sample portfolios are ready in a few
Many Robo Advisors are completely free, and even those that aren’t
will be significantly cheaper than using a human advisor.
Author: Really Simple Investing, Family Financial
Freedom, College Without Ramen Noodles, Figuring
Out Wall Street and other books
At Really Simple Investing we provide educational
resources and offers unbiased product free
seminars on financial planning, money
management and investing.
Since 1996 we have providing clients with personal
money management and investing training tailored
to individual circumstances and objectives rather
than advisor incentives or commissions.
Our workshops are product free – We only provide
Contact us at: firstname.lastname@example.org
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