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Short-Term Investments

Part of: Investment Time Horizon

Typical Characteristics of Short-Term Investments: Low Risk, High Liquidity, Low Return
Low Risk

Risk is mitigated over longer periods of time. With short-term investments, we don’t have that kind of time. Therefore preservation of capital in short term investments is paramount. As individuals near retirement (or any other financial goal), they tend to revert to lower risk investments in an effort to prevent the loss of investment value. [Read more…] about Short-Term Investments

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What is Investment Time Horizon?

Part of: Investment Time Horizon

What is the difference between long and short-term investments? Time horizon is critical when it comes to investment choice. The desirability of characteristics and features depends on the term. Before choosing an investment, you should be aware of these details.

Investment time horizons are either contractual or non-contractual. [Read more…] about What is Investment Time Horizon?

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Understanding Investment Time Horizons

Thinking about investing? When starting to invest you’ll need to establish your goals, assess your risk tolerance and decide on your investment time horizon. Your investment time horizon will often depend on your investment goals. It’s critical to choose investment vehicles that fit your appropriate investment term. Check out the articles below to learn more about investment time horizons.

What is Investment Time Horizon?

A brief introduction to investment time horizons.

Short-Term Investments

Characteristics of short-term investments.

Long-Term Investments

Characteristics of long-term investments.

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Introduction to Investing

From Wall Street to commodities, from derivatives to mutual funds, from currency to precious metals and minerals, from picking stocks to collecting baseball cards. The topic of investing is vast and widely applicable.

The concepts behind investing apply all areas of financial planning. A solid understanding of investing pays dividends. Remember that the same principle that applies to saving for retirement and education applies to all other kinds of investing: it’s the “time in” not the timing that is important.

The sooner you begin, the less you will have to ultimately contribute in to achieve your goals. The longer that compounding is able to work for you, the more you’ll have down the road per dollar invested. Gains become exponential.

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What are the Objectives of Estate Planning

We’ve discussed the importance of a solid estate plan and how estate planning can help you in other articles, but there is more to it. A comprehensive estate plan will do more than just make things easier for the family when an individual passes and maximize the assets that are passed on. A comprehensive estate plan will provide:

Asset Protection

Provide protection to the individual and family. This protection extends to business interests, real assets and joint ownerships. Additionally, provisions such as a durable power of attorney or a durable power of attorney for health care will ensure that the individual’s needs and desires are still met in case of incapacitation.

Balance

Help plan for a balance between use of assets during lifetime and ensuring enough is left to take care of the family when the individual passes.

Asset Distribution

Establish guidance for efficient and structured distribution of assets while both minimizing taxes and ensuring specific assets reach the desired individuals and entities.

Secure the Family’s Future

Secure the future of the family by arranging for the assistance of trusted professionals to help in the wise and effective management of financial assets if necessary. This will ensure the future financial security of the family. This is especially important in relationships when the surviving spouse may not be knowledgeable in the management of finances or experiences excessive anxiety with the newly acquired responsibility.

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How Important is Estate Planning? More Than You Know

Estate planning is the single most overlooked part of a financial plan. Many assume that they are not wealthy enough for a financial plan or too young to worry about it.ย  An estate plan isn’t for you, it’s for your survivors. Anyone can pass away at any age, accidents happen.ย  It requires minimal effort to prepare and update an estate plan, especially in the early years. [Read more…] about How Important is Estate Planning? More Than You Know