Monthly Investment Message: March 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

Tips for Beginning Investors

Every year, some people start to invest for the very first time.  Many investment “newbies” are young adults who have recently landed their first full-time job and enrolled in a tax-deferred 401(k) or 403(b) employer retirement savings plan. Others are older adults who have accumulated (or inherited) a lump sum of money. Below are eight tips for successful investing:

 

  • Develop an “Investor’s Mindset”- When

Monthly Investment Message: May 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

Seize Control of Your Financial Life

 

Want to be a successful investor? Seize control of your financial life with the eight strategies described below:

 

Accept What You Can’t Control (e.g., stock market volatility, cutbacks made to employer benefit plans, and declining housing market values) and Control What You Can (e.g., spending decisions, enhanced training and education, and money contributed to an IRA or employer retirement savings plan). Buying …

Monthly Investment Message: June 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

June 2016

Tips for Keeping Spending Plan Record

Want to be a successful investor? Start by managing your cash flow. A spending plan (a.k.a., budget) is a plan for spending and saving your income.  Two keys to developing a successful spending plan are using realistic figures for each expense category (e.g., food) and an easily manageable record-keeping system. 

 

Looking for an easy way to manage your finances?  Below …

Monthly Investment Message: September 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

October 2016

Seven Side Effects of Saving and Investing

 

An important result of saving and investing is having a sum of money available to use for emergencies or to fund future financial goals such as a vacation, new car, or retirement. With savings also comes peace of mind in knowing that you’re not on the “financial edge” with little or no money in reseve to handle negative life …

Monthly Investment Message: October 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

October 2016

Seven Side Effects of Saving and Investing

 

An important result of saving and investing is having a sum of money available to use for emergencies or to fund future financial goals such as a vacation, new car, or retirement. With savings also comes peace of mind in knowing that you’re not on the “financial edge” with little or no money in reseve to handle negative life …

Monthly Investment Message: November 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

November 2016

Diversification and Dollar-Cost Averaging: The Basics

Two time-tested investment strategies are diversification and dollar-cost averaging. Diversification means spreading your money among different types of investments (e.g., stocks, bonds, and cash equivalent assets such as CDs and money market funds) to reduce the risk of loss from a decline in any one investment. 

 

There are a number of ways to diversify investments. Below are six frequently used …

Monthly Investment Message: December 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

December 2016

Building Wealth: Strategies That Work

Most investors want to grow wealthy over time and have a comfortable lifestyle in later life. Investing can help get them there. Most people do not become wealthy from their earnings alone but, rather, by investing a portion of their income and letting it grow for several decades.

 

The goal of investing is to set aside money today with the goal …