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Since I can remember, and that’s a long time ago, the Wall Street brokerage companies, mavens and mutual fund managers have been exhorting the mantra of Buy and Hold for all your investments. There have been erudite studies published that this is the only way to go.

Does it really work or has the little investor been lied to all these years. Of course, you know the answer if you have owned any stocks or funds for the past 3 years. From my analysis the latter is true. The big boys buy and sell all the time. If you look at the executives of companies it seems they all know when to sell - right at the top before their own company stocks decline. This is easily proven, as the SEC requires all listed-company executives must report both buy and sell transactions. It is not the same as an “insider” sale, but it might as well be, as those guys know if the company is making or losing money. The past couple of years the preponderance of stock sales has been on the sell side.

These sales are easily understandable, but why do brokerage companies want you to buy and hold, especially hold? There are 2 reasons.
First, they want to move inventory out of their ownership to you. That transfers the risk and now they have your money.

Even more important, when you HOLD there is less stock for sale, less “float” (fewer tradable issues), and that means it takes less money to manipulate that particular issue.

Also fund managers don’t want you to sell their fund once you have bought it because they get paid on the amount of money in the fund not on the performance of the fund. This is a great rip off of the investor causing him to hold an asset that is worth less and less. Many of the large fund managers are paid 7 figure salaries. How can a so-called professional manager receive more than a million dollars to lose money for his clients? Yet, they do!

Buy and hold is a farce perpetrated on the small investor. There are 78 million mutual fund owners and 80% of them have less than $50,000 in their accounts. No one ever says SELL.

Here is one more fact you will not read in the financial media. Mutual funds only work during bull markets. The bull market that started in 1974 (some say 1982) definitely ended in 2000. The longer a bull market is in effect the longer is the bear market that follows and is usually about the same length of time. Scary, huh?! But true.

Now what? Buy and hold? The facts speak for themselves. If you are not a trader the safest place for your money during the next several years is in U.S. government bonds. They won’t pay much, but you won’t lose your money as this bear eats away at the stock market.

Al Thomas’ book, “If It Doesn’t Go Up, Don’t Buy
It!” has helped thousands of people make money
and keep their profits with his simple 2-step
method. Read the first chapter at
http://www.mutualfundmagic.com
and discover why he’s the man that Wall Street
does not want you to know.

1-888-345-7870; al@mutualfundstrategy.com

Today, more and more traditional investment brokers are making the transition from charging one-time commissions to levying annual fees for managing their clients’ assets. Consequently, small investors are being forced to shun them and instead turn to independent brokers for their investment needs. To act as an independent broker, a professional has to register as an investment advisor and sign up with a big brokerage house, which in turn provides the necessary operational support. The chosen brokerage firm would act as custodian, trader and backroom office for the independent broker. Alternatively, independent brokers can also manage these things on their own. But for a professional, striking out as an independent broker is not easy. The first, and perhaps the biggest, hurdle is getting clients to transfer accounts.

On the other hand, the rising costliness of the established players has wedged open a low-end market for newcomers. More and more small investors are looking to these comparatively cheap alternate service providers to take over responsibility for their portfolios. That is the reason why so many are doing well as independent brokers. And this business is gradually coming into its own as more and more brokerage professionals are being lured into it.

Many investors prefer independent brokers over the traditional brokerages, since there is little chance of partiality to any particular firm and, in turn, judgment clouded by personal motives. Independent firms pay fees for services provided by their parent firms. The parent firms do not begrudge operation of these independent players, on the ground that the latter’s fee contributions are accounting for an ever-growing share in the former’s revenues.

The independent brokers have also now begun cutting loose from their affiliations with big brokerages and managing things on their own. This is because they are averse to losing any revenue to brokerage firms once their line of business acquires credibility. Further, they also want to enjoy the strategic advantage of not being associated with brokerage firms which represent the interests of particular business groups.

Brokerage Firms provides detailed information about brokerage firms, commodity brokerage firms, discount brokerage firms, and more. Brokerage Firms is affiliated with Fixed Asset Management.

You just spent 30 years making reports, fielding phone calls, filing papers, and pacifying your boss at the office. At the end of each day, you find your energy gradually waning as you reach that point wherein you wanted to declare the last part of your work retirement.

Retirement is when an individual feels like withdrawing from their occupation to find some time for their selves and contemplate on how much he or she has earned or saved.

Everybody needs a time to stop working, reflect back upon the past, and enjoy whatever life has to offer with the individual’s retirement plan or pension staying close behind.

However, the problem of retirement using the typical pensions plans like that of the Social Security; people should start relying on their own savings than the usual way of planning for retirement. This is because the Social Security is gradually losing more assets than it should be gaining in order to adequately supply the much-needed funds of their members.

In fact, the agency asserts that they are paying more than what they collect and they fear that by the year 2010, 76 million people are estimated to reach their retirement age. They estimated that by that time, with all the assets being utilized at exceptional rate, they might only be paying 72% of the expected retirement compensation of the members.

This goes to show that people should try to rely more on their personal savings and other sources of their retirement plans. This will bring about a more balanced view of all the aspects as far as retirement is concerned.

So what are the alternatives to Social Security? Here is a list of the other retirement schemes that you can start planning by now so that by the time you reach your retirement age, you will not solely rely upon your social security retirement benefits.

1. Annuities

These are highly adaptable insurance contracts intended to provide earnings and help you reach financial stability even after you have reached your retirement age.

2. Investments

Saving money is just the beginning. You have to choose ventures that will provide you with greater money over the long period.

Try to look for the “lifestyle mutual fund,” which puts a portion of your money in diversified stocks and the other portion in bonds, and maintains a solid balance between the two.

Another good choice is the target retirement fund. Its portfolio becomes more conservative as you approach retirement age.

3. 401 (k)

Your employer’s 401 (k) or 403 (b0 can be great sources of retirement benefits. Here, the company will deduct a portion of your income and invest the amount on mutual funds, usually on your chosen instrument.

4. Emergency account

Try to move your money automatically each month from your checking account into an account earmarked for unexpected expenses. Aim for a sum that will cover three month’s worth of basics (mortgage, food, utilities, car payments, etc.)

Once you have built this nest egg, you would not have to withdraw from long-term savings if a crisis hits.

There is no secret to building wealth after retirement. You only need to live less than you make and invest the surplus well. When you save money and invest automatically, your retirement would definitely be the best phase in your life where you enjoy relaxation with no financial obligations to worry about.

Robert Thatcher is a freelance publisher based in Cupertino, California. He publishes articles and reports in various ezines and provides retirement resources on http://www.aboutretirement.info

Stocks are generally categorized according to their market capitalization and price value by the market players. Accordingly, we hear terms like large cap stocks, medium cap stocks and small cap stocks. Shares with very small market cap (up to $100 million) and a maximum price value of up to $ 3 are called penny stocks in the market jargon. These are usually cited as the opposite of blue chip shares, which often carry a premium tag. Penny stocks are usually traded over the counter (OTC) by the brokers because they are unable to list on exchanges due to their stringent norms.

For one thing, big exchanges like the New York Stock Exchange (NYSE) and NASDAQ prefer top-of-the - line companies for listing. More so because they too are keen to feed on reputation of the companies they trade in just as the latter want to cash in on huge turnover volumes of these exchanges. Second, they also strictly enforce compliance of their norms by the listed companies, meaning that those who fail to do so are automatically de-listed. Such exchanges tend to evaluate performance record and caliber of top management of the company applying to list with them.

In contrast, penny stocks are mainly unlisted and traded outside exchanges. In other words, they are nondescript stocks with listless trading. Penny stocks mostly change hands between brokers, without getting much notice from common investors. This is because this category of stocks is supposed to be risky due to lack of key information on the concerned companies, their promoters and management. Perhaps this is the reason why these stocks are so often targeted by investment scammers.

Nevertheless, penny stocks can also turn in unexpectedly big returns if they rise on the fundamentals of the concerned company rather than any market manipulation. This is because most of the penny stocks are generally quite undervalued due to lack of market support. So, anyone who can lay his hands on the right penny stocks might reap unexpected gains some day.

Penny Stocks provides detailed information on Penny Stock Investing, Penny Stock Research, Penny Stock Resources, Penny Stock Trading and more. Penny Stocks is affiliated with Wise Stock Trades.

The one thing we like most about charts is that there is no “opinion” involved. In other words, what you see is what you get. If a stock has moved up to say the $100 level 3 times and got repelled each time and now it’s back to 99.88, it is there in “black and white” for all to see, and it is either going to bust through and make a nice run or it will get repelled yet again. No opinion, no talking heads, no guessing, nothing. It will either breakout or fail again. You cannot “alter the picture”, so when you pull up a chart, it will show you exactly what has happened and on that information you can watch for the breakout. Learning how to play chart patterns is very important for us as traders, so please learn all you can about it.

This next point is one of the single most important items involved with making successful chart trades. If a stock is testing a resistance level, such as in the example we used above, it will certainly help to have the “market” behind you when you are looking for the breakout. Remember that in day to day life, sector strength and overall market “tone” are the most important aspects of trading. In other words if the DOW is down 275 and the NASDAQ is down 100, what are the chances XYZ is going to bust through that resistance level and run? Not much really. On the other hand if the DOW is up 175 and the NASDAQ is flying, XYZ very well could squirt through that old resistance and make a great move higher. So, paramount in trading chart patterns is to try and align a great chart with an “up day”. This will greatly enhance your chances of scoring home runs!

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