BAC increased their dividend by 11%. However, at Donaldson Capital Mgt., it is as though the heavens have opened and someone threw out some stone tablets guiding us toward successful investing. We find it much easier to hit “singles and doubles” investing in high-quality dividend growth stocks. The extra cost is not a major issue as the important question is how much return can you get? This question is for Gary. However, for my unit trust investments, I adopt a Dollar Cost Averaging strategy with monthly investments into index and balanced funds. Information about the performance of unit trusts are published by fund managers on a monthly basis (factsheet) and 6-month basis (performance report). Retail investors are by nature hot money, and may pull their cash at the first sign of distress causing liquidity issues for the managers of leverage loan ETFs and mutual funds. 2.00 4.28% A remarkable event occurred that will be almost completely missed by 99% of investors. 50,000 was raised that year for the nonprofit, and the event has become a successful annual function. Starting from a high & ending at a low today, the compounded annual growth rate for the Dow is almost 6%. Not bad & should keep hopes alive that the economy will work its way out of this financial mess.

If we are conscious about the bad traits of the respective investing mentality, we can avoid them and improve the performance of our investments. There are both good and bad traits in the investing mentality in stocks and unit trusts. I understand there are investors who regularly switch between unit trusts, discarding the laggards in their portfolios in exchange for the top performing funds in the performance tables. In contrast, for unit trusts, there is generally not much real-time information, except for economic and industry news that impact both stocks and unit trusts alike. In contrast, for unit trusts, when they reach new highs, you hope that they would go higher, without any worry that they might have peaked and are about to decline. As you can see from the figure below, UOB GP2040 (blue line) has underperformed the index fund (green line) by some margin, which prompted a review of my unit trust portfolio after 7 years.

I have investments in both stocks and unit trusts. You have heard about letting the price runs, but you have also seen and experienced for yourself how some stocks came back down in price after a run-up. When a stock that you own has gone up by quite a bit, you start to worry whether it might come down again. It is still investing in mutual funds or the stock market. Secondly, the SRS funds were invested in an index fund and a balanced fund, as opposed to individual stock selection for the cash account. 328,988 in his retirement account. When I started investing my Supplementary Retirement Scheme (SRS) funds 7 years ago, it was with several experiments in mind. These are funds whose asset allocations change from aggressive to conservative as time progresses. The figure below shows the current asset allocation of the various GP funds. The figure below shows the initial and current asset allocation of the various UOB GP funds. While part of the reason is due to US stock prices reaching new highs currently, another part of the reason is due to changes to its initial asset allocation.

Even when the prices correct, you accept that this is part and parcel of investment and are prepared to hold them through the price correction. What are lifecycle funds? It is quite likely that they may advise you to purchase other products such as much more expensive mutual funds. While some level of underperformance is to be expected as UOB GP2040 does not allocate 100% of its investments to stocks, the level of underperformance have been too much for my liking. Why should you care about how much money you make on each trade? Why charge a four-digit sum for a short course and claim it is your sincere passion to help other people reach financial freedom? A higher percentage of consumers rely on social media and search engines which is why digital marketing has become popular in the current business world. Shorter time frames will result in a higher allocation to bond funds, while longer time frames allow for a higher percentage investment in stock funds. 83% (in 2002) to an eventual 20% by 2040. This saves the need for an investor to regularly and consciously adjust his asset allocation as he ages and is less able to take risks.

When the timeline is reached, the particular GP fund will be terminated and converted to the GPToday fund, which has an asset allocation of 20% stocks and 80% bonds. Our multiple regression tool helps us identify stocks that are 10% to 25% undervalued. However, the effects of global warming are getting to be too acute to dismiss anymore and the body of science that concludes that greenhouse gases (GHGs) are the cause has become too overwhelming. I mean just imagine going back in time when such a company was just getting by and ask yourself if the outcome of its decisions were in any way predictable. We know these companies aren’t going to blow the doors off of the market, but we do know this: The price of nearly every company in our portfolio is highly predictable based upon its future dividend payments. A majority of respondents identified a lack of deals with the right mix of risk and returns as the biggest obstacle to the future growth of conservation investing.