Posted by bobnone | Posted in Home Buying & Real Estate | Posted on 13-08-2010
Real Estate Investment Planning ~~ Home & Real Estate Matters ~~
Traditionally, stock investing has been associated with good times. People tend to invest in gold in times of economic crisis; and real estate investing has been viewed as relatively safe. When stock investing loses its luster investors often react and turn to the other two investment options to make money and offset stock losses. Should you do the same?
Anyone who follows the stock market knows that there are bull markets and bear markets … good times and bad times. If you invest in gold you know that the same is true there. The recession of 2008-2009 reminded investors that real estate investing has its ups and downs as well.
The good news is that historically these three investment options have not marched to the beat of the same drummer. For example, in a bear market for stocks real estate can do just fine, and/or gold can soar. The experienced and truly savvy investor tries to time the markets to be in the right place at the right time.
Should you play this game? I suggest that you do not. There’s an easier way to make money investing as an average investor. Playing the markets is risky.
Let’s talk about the money you are willing to invest and put at risk in order to earn a higher return over the long term. Divide it up 4 ways: domestic stocks (U.S.), foreign stocks, real estate and precious metals (gold).
Find a mutual fund company (family) that offers funds in all four categories; and decide how to divide up your investment assets across these 4 investment options. This is called asset allocation. For example: 40% to domestic stock funds, 30% to foreign stock funds, 20% to a real estate fund, and 10% to a gold fund.
Invest according to the asset allocation targets (say 40%, 30%, 20%, 10%) you have chosen.
Over time these percentages will get out of line as all 4 of these investment options will perform differently. For example, stocks in general might take a hit when real estate and gold perform well.
Instead of selling what appear to be your losers or otherwise trying to time the markets, simply rebalance your portfolio periodically. In other words, move money around to get back to your original asset allocation target percentages. This way you will automatically be moving money to investment options that have gone out of favor and are selling at lower prices.
Plus, you will be lightening up on the investments that have already made the biggest gains. Remember, there are bull markets and bear markets in gold and real estate as well as in the stock market. Take advantage of them and make money the easy way.
And cover all the bases: stock investing, real estate investing and gold.
A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.
Jim is the author of a complete investor guide, Invest Informed, designed for average investors or would-be investors of all levels of financial background and experience. To learn more about investments and investing and his new financial guide go to http://www.investinformed.com
Investment Tips & Financial Planning : How to Invest in Real Estate for Beginners
|
|
Lot of (4) SHURLOK Realtors Combination Security Key Lock boxes, Real Estate $36.00 |
|
|
Ultimate Real Estate Foreclosure vs Short Sale Strategy $19.99 |
|
|
9th Edition Real Estate Principles and Practices Alfred A. Ring Jerome Dasso $10.00 |
|
|
Real Estate Finance by John P. Wiedemer $12.42 |
|
|
Lot of (4) Combination Realtors Combo Security Key Lock boxes, Real Estate $36.00 |
|
|
Rare 1978 Century 21 Real Estate Vintage Promotional T-Shirt $15.00 |
|
|
FABULOUS! VINTAGE SILVER 4 STRAND REAL PEARL NECKLACE! 50S ESTATE! 28″ LONG!! $34.99 |
|
|
(New) Rich Dad’s Real Estate Advantages: Tax and Legal Secrets (CD) $11.99 |
|
|
Dictionary of Real Estate Terms (Barron’s Business Guides), Jack P. Friedman, Ja $5.25 |
|
|
Estate Find Antique Victorian Edwardian Real HAIR Mourning Pin ~ Named on back $49.99 |
|
|
ESTATE WIDE HOOP DIAMOND 14K YELLOW & WHITE GOLD EARRINGS REAL COOL LOOKING!!!!! $1,490.00 |
|
|
COMMERCIAL REAL ESTATE INVESTING MONEY COMPLETE COURSE $39.97 |
|
|
Ferdinand Fish Real Estate NY 1898 Ellipse #50 Cover ZJ $10.00 |
|
|
ESTABLISHED REAL ESTATE INVESTING PROPERTY FLIPPING WEBSITE BUSINESS FOR SALE $24.99 |
|
|
ESTATE FOUND Vintage Real Rattle Snake Reptile Paperweight in Lucite GOOD COND $9.99 |
|
|
FORECLOSED Absolute NR Real Estate Auction Land Lot Liquidation Sale AR c29/2cr $99.00 |
|
|
STERLING RING MOON STONE VINTAGE ESTATE old silver 7.5 NATURAL REAL FIRE 925 $29.99 |
|
|
STERLING RING MOON STONE VINTAGE ESTATE old silver 6 NATURAL REAL FIRE $35.00 |
|
|
sterling silver ring ONYX BIG BOLD ESTATE 5.5 CLASSY OLD NATURAL REAL 925 $35.00 |
|
|
FULLY AUTOMATED *REAL ESTATE BUY AND SELL* WEBSITE BUSINESS & DOMAIN FOR SALE $0.99 |
|
|
Five Supra Advantage Express II Lockboxes Keyboxes for Real Estate $0.99 |
|
|
RUBY FLOWER natural ring 7.5 CLUSTER ESTATE silver gold STERLING REAL GEMS 925 $49.99 |
|
|
Silver RING GARNET cluster ESTATE GEM 18K WHITE GOLD 7.5 NATURAL REAL DEEP WINE $39.99 |
|
|
SILVER ESTATE RING 9 ruby TRIO WHITE gold natural real bold elegant STERLING 925 $45.00 |
|
|
REAL BLUE SAPPHIRE ESTATE bold RING GEM STERLING OLD 6.5 tricolor GOLD NATURAL W $35.99 |
|
|
SILVER ESTATE RING NATURAL ruby 7.5 ROSE-PINK GOLD trio REAL blue sapphire STERL $39.99 |
|
|
REAL BLUE SAPPHIRE ESTATE bold RING 6 GEM STERLING OLD tricolor GOLD NATURAL $35.00 |
|
|
Silver RING GARNET cluster ESTATE GEM WHITE GOLD 6.5 NATURAL REAL DEEP WINE 925 $45.00 |
|
|
ESTATE ANTIQUE STERLING SILVER REAL INSECT SPIDER LARGE EMBOSSED RING $9.99 |
|
|
FIVE SUPRA iBox LOCKBOX KEYBOX FOR REAL ESTATE $9.99 |
|
|
SECRETS OF SELLING REAL ESTATE Weaver 7 CD Course $10.99 |
|
|
Master The Real Estate License Examinations, Peterson’s $6.08 |
|
|
CALIFORNIA REAL ESTATE EDUCATION,APPRAISAL 2002 $0.99 |
|
|
CALIFORNIA REAL ESTATE EDUCATION,FINANCING,LISTING 1972 $0.99 |
|
|
c1910 Avalon Real Estate Development Co, The Avalon Girl, Philadelphia, Nice! #4 $6.00 |
|
|
c1910 Avalon Real Estate Development Co, The Avalon Girl, Philadelphia, Nice! #3 $6.00 |
|
|
c1910 Avalon Real Estate Development Co, The Avalon Girl, Philadelphia, Nice! #2 $6.00 |
|
|
c1910 Avalon Real Estate Development Co, The Avalon Girl, Philadelphia, Nice! #1 $6.00 |
|
|
HomeMortgageAgents.com – Top Real Estate/Mortgage Broker Domain Name For Sale $0.01 |
|
|
SagaponackRentals.com Hamptons NY Real Estate Domain Sagaponack Rentals .com $495.00 |
|
|
CUSTOM REAL ESTATE FSBO PORTAL WEBSITE FOR SALE NR $9.99 |
|
|
The Beginner’s Guide to Real Estate Investing NEW $20.24 |
|
|
Guangzhou Homes .com – Real Estate Domain Name NR $0.01 |
|
|
DIARY of a MAD [Florida & MA] REAL ESTATE AGENT Humorous Paula Lynn Rose SIGNED $5.00 |
|
|
How to Make Money With Real Estate Options: Low-Cost, Low-Risk, High-Profit Str $9.27 |
|
|
Owner Finances.info REAL ESTATE/HOME/HOUSE/FINANCING/SELLER/PROPERTY DOMAIN NAME $250.00 |
|
|
Vintage estate pipes yellow bowl KBB cured w real honey smoking pipe $35.80 |
|
|
7.9″ GOLD – REAL ESTATE – Realtor – BRACELET- Charm – Add-A-Bead – In USA $8.90 |
|
|
Vintage 1962 ACQUIRE Finance Bookshelf Game 3M Complete Real Estate $19.99 |
|
|
Vintage Dissatisfied Homebuyer? ASK ME T-Shirt Soft 80s Real Estate Vtg XL $14.99 |
|
|
LOT OF 4 SOFTBACK REAL ESTATE INVESTING AND FLIPPING EDUCATIONAL BOOKS GREAT LOT $7.99 |
|
|
Real Estate Investment and Acquisition Workbook, Howard A. Zuckerman, Acceptable $10.33 |
|
|
Real Estate Agent Mike Ferry One On One Retreat 12 DVD’s $25.00 |
|
|
Essentials of Practical Real Estate Law by Daniel F. Hinkel (2007, Other,… $3.00 |
|
|
Rare c1920s San Francisco Real Estate Photograph Building Lake Street For Sale $9.99 |
|
|
(New) REAL ESTATE, MORTGAGE, LOAN, POCKET CALCULATOR $15.95 |
|
|
Closed Door Training Shark Tank Millionaire Barbara Corcoran – Real Estate Mogal $15.00 |
|
|
Commercial Real Estate Analysis And Investments by Norman G. Miller, Jim… $50.00 |
|
|
Hp 12C Mortgage, Business, Real Estate Calculator W/ Case $10.00 |
|
|
Lot Of 5 Bradbury Real Briar Estate Pipes Made In Greece $14.99 |
|
|
Timing the Real Estate Market: The Campbell Method 2nd Edition Robert Campbell $4.99 |
|
|
SUNNY DAY REAL ESTATE 2009 MFNW Gig Concert POSTER Portland Oregon Musicfest NW $11.09 |
|
|
Why the Real Estate Boom Will Not Bust – And How You Can Profit from It: How to $4.99 |
|
|
Trump: The Best Real Estate Advice I Ever Received: 100 Top Experts Share Their $1.00 |
|
|
4 RICH DAD BOOKS CASHFLOW QUADRANT/PROPHECY/REAL ESTATE RICHES/INVESTING GUIDE $19.95 |
|
|
Making Money with Free and Clear Real Estate Properties- Amazing Profits on CD $32.70 |
|
|
1947 Ad Flitcroft Lightbourn Real Estate Insurance Brokers Hamilton Bermuda $37.95 |
|
|
How to Get Started in Real Estate Investing by Robert Irwin (2003, Abridged,… $5.00 |
|
|
1 OZ SILVER * Hi God .US * REAL ESTATE AD ART BAR .999 TROY – 90 DAY BUY BACK $75.00 |
|
|
1923 Ad Bonita Vista Country Real Estate Home Highland Park Illinois McGuire Orr $41.95 |
|
|
1922 Ad Kiawassa Home St. Lawrence River Canada Property Amenities Real Estate $41.95 |
|
|
1925 Ad Great South Bay Mrs. Lanier Real Estate Mastic on the Sea Realty Map $41.95 |
|
|
1925 Ad Rumson New Jersey Estate Household Real Country Club Tennis Lawn Yard $44.95 |
|
|
1927 Ad Marie D. Kling Scarsdale Real Estate Realty R. H. Almiroty Architecture $37.95 |
|
|
1929 Ad Waterville Real Estate House G. F. Terry Maine Residence Sale Realty $38.95 |
|
|
1925 Ad Kenneth Ives Laurentian Mountains Aerial View Summer House Real Estate $38.95 |
|
|
1930 Ad Greenhaven Real Estate V. Green Realty Mamaroneck Rye Long Island Sound $36.95 |
|
|
1929 Ad Prince Ripley Real Estate Bronxville NY Normandy Architecture Realty $36.95 |
|
|
The Abcs of Real Estate Investing by Ken McElroy (2012, Paperback, Reprint) $12.97 |
|
|
Sunny Day Real Estate Diary LP SEALED COLOR VINYL Sub Pop NEW! SDRE $19.95 |
|
|
1925 Ad Monastery Long Island New York Trust North Shore Otis Real Estate Home $38.95 |
|
|
1931 Ad Lake George New York Home Real Estate Deininger Leavitt Realty Amenities $36.95 |
|
|
1931 Ad Great Neck Long Island Chamber Commerce Suburban Home Real Estate Realty $36.95 |
|
|
1931 Ad Baker Crowell Real Estate Kings Point Great Neck Long Island Realty $36.95 |
|
|
1931 Ad Herbert Wheeler Real Estate Darien Connecticut Paris France Letters $37.95 |
|
|
Investing For Dummies $11.89 Proven investing advice from Eric TysonInvesting For Dummies arms novice investors with Eric Tyson’s time-tested advice along with updates to his investing recommendations and strategies that reflect changing market conditions. You’ll get coverage of all aspects of investing, including how to develop and manage a portfolio; invest in stocks, bonds, mutual funds, and real estate; open a small busin… |
|
|
Unconventional Success: A Fundamental Approach to Personal Investment $4.44 The bestselling author of Pioneering Portfolio Management, the definitive template for institutional fund management, returns with a book that shows individual investors how to manage their financial assets. In Unconventional Success, investment legend David F. Swensen offers incontrovertible evidence that the for-profit mutual-fund industry consistently fails the average investor. From excessive… |
|
|
Real Estate Development: Principles and Process $75.50 US Student edition. hardcover. ISBN-9780874209716 Used only one semester. There are couple pencil underline. ship fast… |
|
|
Quicken Rental Property Manager 2011 – [Old Version] $59.96 It shows how your rental properties are doing and where you’re spending at a glance. The Intuit Quicken Rental Property Manager 2011 Software identifies tax-deductible rental property expenses so you can maximize your tax deductions. It shows which rents have been paid so you know who owes you money and stores lease terms, rental rates and security deposits for each tenant…. |