ASSET AND LIABILITY
How much of an asset you are, and how
many people you are an asset to, will
determine the extent of your
success.-knowledgefinancial.com
Depending on the level of success you wish
to achieve, understand that 1) you must be
more of an asset than a liability, and 2) you
must be an asset to as many people as it
takes to reach your desired level of
success.
Be an asset to those around you - always.
The greater the success you desire, the
more of an asset you must be, to as many
people as possible. Remember - you enjoy
your own assets.
And so do other folks. If you are one of their
assets, you fall under their protection, and
they will cater to you and protect you, just
as they would any of their other assets.
Be as asset to those around you - always.
The greater the success you desire, the
more of an asset you must be, to as many
people as possible. Remember - you enjoy
your own assets. And so do other folks. If
you are one of their assets, you fall under
their protection, and they will cater to you,
just as they would any of their other
assets.-knowledgefinancial.com
How much of an asset you are, and how
many people you are an asset to, will
determine the extent of your
success.-knowledgefinancial.com
Depending on the level of success you wish
to achieve, understand that 1) you must be
more of an asset than a liability, and 2) you
must be an asset to as many people as it
takes to reach your desired level of
success.
Be an asset to those around you - always.
The greater the success you desire, the
more of an asset you must be, to as many
people as possible. Remember - you enjoy
your own assets.
And so do other folks. If you are one of their
assets, you fall under their protection, and
they will cater to you and protect you, just
as they would any of their other assets.
Be as asset to those around you - always.
The greater the success you desire, the
more of an asset you must be, to as many
people as possible. Remember - you enjoy
your own assets. And so do other folks. If
you are one of their assets, you fall under
their protection, and they will cater to you,
just as they would any of their other
assets.-knowledgefinancial.com
EDUCATION:
Your real education begins after school, not in
school. Never, ever stop learning. Learning is the
substance that fuels growth, and growth is
necessary for success.
When you start learning you start dieing.
Financial Education is Why the Rich are
Getting Excessively Richer --------
KNOWLEDGEFINANCIALGROUP.COM
Your Financial Success Depends on What you Know
About Money
Most people set out to get an education in hopes of
getting a safe and secure job and ultimately being
able
to provide for themselves and their family. However,
the education most people receive doesn’t actually
teach them what they need to know to be truly
successful and in command of their finances.
Consider the three types of education:
--------------knowledgefinancialgroup.com
Academic Education
This is what we all have gone to school to learn. It is
very important and teaches us the foundation of how
to read, write, learn and function in the world.
---------------
Professional Education
This is what we learn to help us be successful in our
careers. We may learn this in college or trade school
or the job. It is the information and skills we need to
be
successful at our work.
--------------knowledgefinancialgroup.com
Financial Education
This is the type of education that teaches us what we
should be doing with our money to be successful. In
today’s world, financial education is crucial,
especially
with the world economy in recession or depression.
However, our school systems don’t teach us about
financial education and so most people have never
been taught what they need to know in order to take
control of their financial lives.
----------------
KNOWLEDGEFINANCIALGROUP.COM
THINK LIKE THE RICH THINK...
Thoughts drive behavior. Before you start down the
path to financial freedom, you must first understand
how the rich think about money and how it differs
from
the poor and middle-class way of thinking.
Regardless
of how much money you make, you will end up right
back where you started if you don’t change your
thoughts about money. Don’t let old habits get the
best
of you and your finances.
Your real education begins after school, not in
school. Never, ever stop learning. Learning is the
substance that fuels growth, and growth is
necessary for success.
Your real education begins after school, not in
school. Never, ever stop learning. Learning is the
substance that fuels growth, and growth is
necessary for success.
When you start learning you start dieing.
Financial Education is Why the Rich are
Getting Excessively Richer --------
KNOWLEDGEFINANCIALGROUP.COM
Your Financial Success Depends on What you Know
About Money
Most people set out to get an education in hopes of
getting a safe and secure job and ultimately being
able
to provide for themselves and their family. However,
the education most people receive doesn’t actually
teach them what they need to know to be truly
successful and in command of their finances.
Consider the three types of education:
--------------knowledgefinancialgroup.com
Academic Education
This is what we all have gone to school to learn. It is
very important and teaches us the foundation of how
to read, write, learn and function in the world.
---------------
Professional Education
This is what we learn to help us be successful in our
careers. We may learn this in college or trade school
or the job. It is the information and skills we need to
be
successful at our work.
--------------knowledgefinancialgroup.com
Financial Education
This is the type of education that teaches us what we
should be doing with our money to be successful. In
today’s world, financial education is crucial,
especially
with the world economy in recession or depression.
However, our school systems don’t teach us about
financial education and so most people have never
been taught what they need to know in order to take
control of their financial lives.
----------------
KNOWLEDGEFINANCIALGROUP.COM
THINK LIKE THE RICH THINK...
Thoughts drive behavior. Before you start down the
path to financial freedom, you must first understand
how the rich think about money and how it differs
from
the poor and middle-class way of thinking.
Regardless
of how much money you make, you will end up right
back where you started if you don’t change your
thoughts about money. Don’t let old habits get the
best
of you and your finances.
Your real education begins after school, not in
school. Never, ever stop learning. Learning is the
substance that fuels growth, and growth is
necessary for success.
MONEY AND WEALTH:-
knowledgefinancialgroup.com
Constitute wealth! Wealth is far more than mere money
- it is an attitude, a state of mind and a way of life. If you
have ten million dollars, but you are unhappy,
unfulfilled, bored, without spirit, without humor, without
good friends, then you are not wealthy.
Wealth is a natural byproduct of the right lifestyle. If
you live the right lifestyle, and have the right attitude
and state of mind, money will come to you almost
automatically.
Money is nothing more than a tool, like a hammer, a
saw or a screwdriver. Ridiculous, you say? Ask
yourself what you think a tool is, and what it does.
Generally speaking, a tool is any object that is used
primarily to construct something, or to change one
thing into another.
Money is a tool. As such, a wealth seeker needs to
realize that, like any other tool, it can only work for you
if you keep it in your possession.
If you trade your hammer in for a pizza, that hammer
will now be working for someone else. And once you
have eaten your pizza, you no longer have the pizza or
the hammer. So, you need to hang onto as many tools
as you can. Without tools, it is difficult, if not
impossible, to build a future.-knowledgefinancial.com
Money is not wealth. Money is a tool.
You can waste it, you can give it away to others, or you
can put it to work building more wealth. Your choice.
Choose well and choose wisely.
knowledgefinancialgroup.com
Constitute wealth! Wealth is far more than mere money
- it is an attitude, a state of mind and a way of life. If you
have ten million dollars, but you are unhappy,
unfulfilled, bored, without spirit, without humor, without
good friends, then you are not wealthy.
Wealth is a natural byproduct of the right lifestyle. If
you live the right lifestyle, and have the right attitude
and state of mind, money will come to you almost
automatically.
Money is nothing more than a tool, like a hammer, a
saw or a screwdriver. Ridiculous, you say? Ask
yourself what you think a tool is, and what it does.
Generally speaking, a tool is any object that is used
primarily to construct something, or to change one
thing into another.
Money is a tool. As such, a wealth seeker needs to
realize that, like any other tool, it can only work for you
if you keep it in your possession.
If you trade your hammer in for a pizza, that hammer
will now be working for someone else. And once you
have eaten your pizza, you no longer have the pizza or
the hammer. So, you need to hang onto as many tools
as you can. Without tools, it is difficult, if not
impossible, to build a future.-knowledgefinancial.com
Money is not wealth. Money is a tool.
You can waste it, you can give it away to others, or you
can put it to work building more wealth. Your choice.
Choose well and choose wisely.
THE JOURNEY
It always amazes me that so many people
are frustrated with being unable to get
anywhere when they don't even know
where they are now. I know that sounds
strange, but it's true. People want to get
ahead, and reach certain goals. Yet they do
not even know where they are starting
from.-KNOWLEDGEFINANCIALGROUP.COM
Every journey requires a starting point, a
route, and a destination. If you have no idea
where you are, how can you possibly plan a
journey to a chosen destination? You
wouldn't even know which direction to go
in. Therefore, before you start planning your
journey to success, you need to know
exactly where you stand right now. You
You need to know and evaluate every
asset, because these will be your vehicle.
You need to know your liabilities in order to
plan your route in such a way that those
liabilities do not become obstacles, or
detours.-knowledgefinancial.com
To know where you stand, you will have to
be painfully honest with yourself about such
things. Evaluate them without bias. When
you discover a weakness or liability, try to
find ways to either overcome it, or turn it
into an asset.
If you cannot turn a liability into an asset, at
least make sure it is under control. Do not
allow anyone else the opportunity to use it
as a weapon against you. As for your assets,
while evaluating them, look for ways to
make them stronger.
Spend some time finding out more about
where you are. Make sure you know where
all your money comes from, and where it
goes. Know and evaluate all assets and
liabilities, and maximize their potential.
Once you know where you are, it becomes
much easier to figure out how to get where
you want to
be.-KNOWLEDGEFINANCIALGROUP.COM
It always amazes me that so many people
are frustrated with being unable to get
anywhere when they don't even know
where they are now. I know that sounds
strange, but it's true. People want to get
ahead, and reach certain goals. Yet they do
not even know where they are starting
from.-KNOWLEDGEFINANCIALGROUP.COM
Every journey requires a starting point, a
route, and a destination. If you have no idea
where you are, how can you possibly plan a
journey to a chosen destination? You
wouldn't even know which direction to go
in. Therefore, before you start planning your
journey to success, you need to know
exactly where you stand right now. You
You need to know and evaluate every
asset, because these will be your vehicle.
You need to know your liabilities in order to
plan your route in such a way that those
liabilities do not become obstacles, or
detours.-knowledgefinancial.com
To know where you stand, you will have to
be painfully honest with yourself about such
things. Evaluate them without bias. When
you discover a weakness or liability, try to
find ways to either overcome it, or turn it
into an asset.
If you cannot turn a liability into an asset, at
least make sure it is under control. Do not
allow anyone else the opportunity to use it
as a weapon against you. As for your assets,
while evaluating them, look for ways to
make them stronger.
Spend some time finding out more about
where you are. Make sure you know where
all your money comes from, and where it
goes. Know and evaluate all assets and
liabilities, and maximize their potential.
Once you know where you are, it becomes
much easier to figure out how to get where
you want to
be.-KNOWLEDGEFINANCIALGROUP.COM
SAVING AND INVESTING / LIVING BELOW
YOUR MEAN--knowledgefinancialgroup.com
Living below your means does not mean you
must live in poverty. It simply means that
you choose to not spend every dollar you
make. It also means that you will use your
intelligence, imagination and logic to find
alternate ways of accomplishing things, at
less cost.
Do you know? Mr. Walton, who founded
Wal-Mart and Sam's Club was noted for
driving a '52 Chevy pickup truck for a long
period of time.
Rumor has it he could easily have afforded
a few Rolls Royce autos, whereas he was
one of the richest man in America. I believe
that he wanted to give a lesson to all of us.
A lesson that most of us don't
learn..-knowledgefinancialgroup.com
By living modestly yet comfortably, they
save more money, which is then invested to
make them even wealthier.
The point, of course, is that your financial
situation is best kept secret to some
degree. Keep 'em guessing. By doing so,
you become wealthier, and happier. Live
below your means, but not to the point
where you are giving up too much.
Money is not stagnant - it is always moving.
Even when you put it in the bank, it moves
as the bank invests it so they can pay you
interest. Therefore, if you aren't growing it,
you're blowing it. Plain and simple.
KNOWLEDGEFINANCIALGROUP.COM
The surest road to growing wealth is
through wise investing. And there are no
excuses for not following that road.
The point, of course, is that your financial
situation is best kept secret to some
degree. Keep 'em guessing. By doing so,
you become wealthier, and happier. Live
below your means, but not to the point
where you are giving up too much. Enjoy
dessert, but remember that dessert doesn't
have to be extravagant.
YOUR MEAN--knowledgefinancialgroup.com
Living below your means does not mean you
must live in poverty. It simply means that
you choose to not spend every dollar you
make. It also means that you will use your
intelligence, imagination and logic to find
alternate ways of accomplishing things, at
less cost.
Do you know? Mr. Walton, who founded
Wal-Mart and Sam's Club was noted for
driving a '52 Chevy pickup truck for a long
period of time.
Rumor has it he could easily have afforded
a few Rolls Royce autos, whereas he was
one of the richest man in America. I believe
that he wanted to give a lesson to all of us.
A lesson that most of us don't
learn..-knowledgefinancialgroup.com
By living modestly yet comfortably, they
save more money, which is then invested to
make them even wealthier.
The point, of course, is that your financial
situation is best kept secret to some
degree. Keep 'em guessing. By doing so,
you become wealthier, and happier. Live
below your means, but not to the point
where you are giving up too much.
Money is not stagnant - it is always moving.
Even when you put it in the bank, it moves
as the bank invests it so they can pay you
interest. Therefore, if you aren't growing it,
you're blowing it. Plain and simple.
KNOWLEDGEFINANCIALGROUP.COM
The surest road to growing wealth is
through wise investing. And there are no
excuses for not following that road.
The point, of course, is that your financial
situation is best kept secret to some
degree. Keep 'em guessing. By doing so,
you become wealthier, and happier. Live
below your means, but not to the point
where you are giving up too much. Enjoy
dessert, but remember that dessert doesn't
have to be extravagant.
CHOICE //knowledgefinancialgroup.com
Choose something like to succeed in. Which
method you choose may be determined by your
needs and goals
Only you can choose your goals, and determine
which method is best suited for achieving those
goals, based on the assets you have available to
you or the assets you can get your hands on,
such as books that will teach you what you need
to know.
Remember you are the master of your destiny,
the captain of your boat. But, this is a choice:
You need to help others. The more people you
help, the more progress you will make.
The more people in your circle who profit and
succeed, the more your own wealth will grow.
After all, how are you ever going to attract any
money away from people who don't have any?
Help others to prosper, and you become valuable
to them, to the point that they will try to help you
prosper. In this way, both of you enjoy greater
wealth.-KNOWLEDGEFINANCIALGROUP.COM
Choose a method to take you where you are
going. And assist others in getting there, too, so
more wealth is made available to you, and you
gain the "protection" of others who value your
contributions to their own futures.
KNOWLEDGEFINANCIALGROUP.COM
Choose something like to succeed in. Which
method you choose may be determined by your
needs and goals
Only you can choose your goals, and determine
which method is best suited for achieving those
goals, based on the assets you have available to
you or the assets you can get your hands on,
such as books that will teach you what you need
to know.
Remember you are the master of your destiny,
the captain of your boat. But, this is a choice:
You need to help others. The more people you
help, the more progress you will make.
The more people in your circle who profit and
succeed, the more your own wealth will grow.
After all, how are you ever going to attract any
money away from people who don't have any?
Help others to prosper, and you become valuable
to them, to the point that they will try to help you
prosper. In this way, both of you enjoy greater
wealth.-KNOWLEDGEFINANCIALGROUP.COM
Choose a method to take you where you are
going. And assist others in getting there, too, so
more wealth is made available to you, and you
gain the "protection" of others who value your
contributions to their own futures.
KNOWLEDGEFINANCIALGROUP.COM
DREAM, PLAN AND ACTION
Simply put, you must first dream, then plan, then
do, TAKE ACTION.-knowledgefinancialgroup.com
It is virtually impossible to succeed any other
way. You cannot expect to put a plan into action
if there is no plan. And if you act without a plan,
MEANNING THAT, YOU ARE PLANNING TO FAIL.
It is doomed from the start.
Furthermore, you can not devise a solid plan if
you have not already dreamed an idea upon
which a plan is put together to move into action.
Now that you have a plan, you must work the
plan; put it into motion. This is where you will
need some logic and common sense, as well as
drive, determination, ambition, persistence etc.
I know for fact: life does not follow a mathematical
plan. It is not a smooth function. There are
obstacles, detours, barriers, enemies, and dark
road.
You must always be ready and prepare for any
eventuality.
Conventional wisdom dictates that you put one
foot in front of the other until you get there. This
is call action.
----------KNOWLEDGEFINANCIALGROUP.COM
Love, respect and happiness all have one ironic
trait in common - you can only have them when
you give them away.
Simply put, you must first dream, then plan, then
do, TAKE ACTION.-knowledgefinancialgroup.com
It is virtually impossible to succeed any other
way. You cannot expect to put a plan into action
if there is no plan. And if you act without a plan,
MEANNING THAT, YOU ARE PLANNING TO FAIL.
It is doomed from the start.
Furthermore, you can not devise a solid plan if
you have not already dreamed an idea upon
which a plan is put together to move into action.
Now that you have a plan, you must work the
plan; put it into motion. This is where you will
need some logic and common sense, as well as
drive, determination, ambition, persistence etc.
I know for fact: life does not follow a mathematical
plan. It is not a smooth function. There are
obstacles, detours, barriers, enemies, and dark
road.
You must always be ready and prepare for any
eventuality.
Conventional wisdom dictates that you put one
foot in front of the other until you get there. This
is call action.
----------KNOWLEDGEFINANCIALGROUP.COM
Love, respect and happiness all have one ironic
trait in common - you can only have them when
you give them away.
Conflict has but one result - destruction. If your beliefs conflict with
reality, you must change your beliefs. By removing conflicts from your life,
you will have an unobstructed road to travel.
In short, if you question whether or not you are all that you can be, it is
time to take a closer look as to why that is, and make the changes that
need to be made. It won't happen by itself, and no one else can do it for
you. Decide about the person you want to be, then do whatever it takes to
be that person.
''Exchange Traded Funds (ETFs) Discover exchange traded funds
and learn how to make them a profitable part of your portfolio.
reality, you must change your beliefs. By removing conflicts from your life,
you will have an unobstructed road to travel.
In short, if you question whether or not you are all that you can be, it is
time to take a closer look as to why that is, and make the changes that
need to be made. It won't happen by itself, and no one else can do it for
you. Decide about the person you want to be, then do whatever it takes to
be that person.
''Exchange Traded Funds (ETFs) Discover exchange traded funds
and learn how to make them a profitable part of your portfolio.
INVESTMENT: MAKE YOURSELF
RICHER BY INVESTING THE RIGHT
WAY IN THE RIGHT PRODUCTS. REAL
ESTATE INVESTMENTS CAN HELP
STOCK MARKET: STOCK MARKET A
WAY TO INVEST AND MULTIPLY
YOUR PROFITS. THESE INDUSTRIES
HAS THOUSANDS OF COMPANIES TO
BUY STOCKS FROM.
MUTUAL FUNDS: MUTUAL FUNDS A
WONDERFUL WAY TO INVEST YOUR
MONEY. Buying and Selling mutual
funds
You can buy some mutual funds (no-
load) by contacting the fund companies
directly. Other funds are sold through
brokers, banks, financial planners, or
insurance agents.
BOND FUNDS: INVESTING IN THE
BONDS MARKET. WHAT ARE BONDS?
Have you ever borrowed money? Of
course you have! Whether we hit our
parents up for a few bucks to buy candy
as children or asked the bank for a
mortgage, most of us have borrowed
money at some point in our lives.
FOREX MARKET: THE LARGEST
MARKET IN THE WORLD TO INVEST
AND GET RICHER IF YOU USE THE
RIGHT TOOL.
FOREIGN EXCHANGE-(forex or FX for
short) is one of the most exciting, fast-
paced markets around. Until recently,
trading in the forex market had been the
domain of large financial institutions,
corporations, central banks, hedge funds
and extremely wealthy individuals. The
emergence of the internet has changed
all of this, and now it is possible for
average investors to buy and sell
currencies easily with the click of a
mouse.
TAX CERTIFICATES: TAX CERTIFICATE /
TAX DEED: A BETTER WAY TO INVEST
MONEY AND GET RICHER.
TAX LIENS: How Can You Safely Earn
18% to 240% Per Year On Your
Investments? Yes you can... By
investing in Government Issued Tax
Liens, Tax deed
REITs: REIT: Real Estate Investment
Trust. A GREAT WAY TO INVEST IN
REAL ESTATE WITHOUT TAKING A
MORTGAGE LOAN
COMMERCIAL INVESTMENT. ALL
THAT CAN HELP! COMMERCIAL REAL
ESTATE; A BETTER WAY TO INVEST
AND GET RICHER! MULTI-WAYS TO
WIN BIG IN
REAL ESTATE. WHAT IS COMMERCIAL
REAL ESTATE?
FINANCIAL REPORT: HOW TO GET A
MORTGAGE HOME LOAN? Securing a
home loan is the most important step in
the home-buying process. Here are the
basics for getting your financing.
HOW TO GET PRE-QUALIFY FOR A
HOME LOAN? 8 Fundamental Reasons
to Get Pre-Approved for a Home Loan!
The first and most important step in
buying a home is getting pre-qualified
for a home loan.
BY GETTING PREQUALIFIED, YOU
IMMEDIATELY FIND YOURSELF IN A
STRONGER NEGOTIATION POSITION.
YOU MADE YOURSELF MORE
ATTRACTIVE TO SELLERS.
IDENTITY THEFT: WATCH OUT, STOP IT
FROM HAPPENING, GET THE TOOLS
YOU NEED TO PREVENT IT RIGHT
HERE! AT KNOWLEDGE FINANCIAL.
COM
CREDIT HELP: Use Your Credit Clout:
Credit Laws That are on Your Side;
Understanding Your Debt Collection
Rights
CREDIT INFO: SAVE YOUR CREDIT,
RESCUE IT, PROTECT IT, INCREASE
YOUR SCORE. WE HAVE VALUABLE
INFORMATION TO HELP YOU
CREDIT CARDS: The American Credit
Cards are very important to have; but
credit cards represent a danger for those
who may not have the discipline, order
or those who don't think what a plastic
card can do for them or to them! The
borrowers are the slaves of the lenders.
Credit cards issuers are monsters the can
eat the average consumers alive.
CREDIT RATING: THE IMPORTANCE OF
YOUR CREDIT RATING! Credit Card
Fraud: 21 Tips to Protect Yourself. More
about your credit Score. Companies
base your credit scores on five categories
ID-THEFT: HOW TO PROTECT AND
DEFEND YOURSELF AGAINST
IDENTITY THEFT? -----DETER,
DETECT AND DEFEND?
TAX SAVING TIPS FOR INDIVIDUAL
INVESTOR, GREAT INFORMATION FOR
ALL. Taxes The More You Know, the
Less You’ll Pay
Business structures 101
LLP, LLC, S-corp and C-corp: It's not just
alphabet soup! A breakdown of what you
need to know, in layman's terms.
what are you doing with your money in
the wake of the financial crisis?
Where is the safe place to put MONEY?
RICHER BY INVESTING THE RIGHT
WAY IN THE RIGHT PRODUCTS. REAL
ESTATE INVESTMENTS CAN HELP
STOCK MARKET: STOCK MARKET A
WAY TO INVEST AND MULTIPLY
YOUR PROFITS. THESE INDUSTRIES
HAS THOUSANDS OF COMPANIES TO
BUY STOCKS FROM.
MUTUAL FUNDS: MUTUAL FUNDS A
WONDERFUL WAY TO INVEST YOUR
MONEY. Buying and Selling mutual
funds
You can buy some mutual funds (no-
load) by contacting the fund companies
directly. Other funds are sold through
brokers, banks, financial planners, or
insurance agents.
BOND FUNDS: INVESTING IN THE
BONDS MARKET. WHAT ARE BONDS?
Have you ever borrowed money? Of
course you have! Whether we hit our
parents up for a few bucks to buy candy
as children or asked the bank for a
mortgage, most of us have borrowed
money at some point in our lives.
FOREX MARKET: THE LARGEST
MARKET IN THE WORLD TO INVEST
AND GET RICHER IF YOU USE THE
RIGHT TOOL.
FOREIGN EXCHANGE-(forex or FX for
short) is one of the most exciting, fast-
paced markets around. Until recently,
trading in the forex market had been the
domain of large financial institutions,
corporations, central banks, hedge funds
and extremely wealthy individuals. The
emergence of the internet has changed
all of this, and now it is possible for
average investors to buy and sell
currencies easily with the click of a
mouse.
TAX CERTIFICATES: TAX CERTIFICATE /
TAX DEED: A BETTER WAY TO INVEST
MONEY AND GET RICHER.
TAX LIENS: How Can You Safely Earn
18% to 240% Per Year On Your
Investments? Yes you can... By
investing in Government Issued Tax
Liens, Tax deed
REITs: REIT: Real Estate Investment
Trust. A GREAT WAY TO INVEST IN
REAL ESTATE WITHOUT TAKING A
MORTGAGE LOAN
COMMERCIAL INVESTMENT. ALL
THAT CAN HELP! COMMERCIAL REAL
ESTATE; A BETTER WAY TO INVEST
AND GET RICHER! MULTI-WAYS TO
WIN BIG IN
REAL ESTATE. WHAT IS COMMERCIAL
REAL ESTATE?
FINANCIAL REPORT: HOW TO GET A
MORTGAGE HOME LOAN? Securing a
home loan is the most important step in
the home-buying process. Here are the
basics for getting your financing.
HOW TO GET PRE-QUALIFY FOR A
HOME LOAN? 8 Fundamental Reasons
to Get Pre-Approved for a Home Loan!
The first and most important step in
buying a home is getting pre-qualified
for a home loan.
BY GETTING PREQUALIFIED, YOU
IMMEDIATELY FIND YOURSELF IN A
STRONGER NEGOTIATION POSITION.
YOU MADE YOURSELF MORE
ATTRACTIVE TO SELLERS.
IDENTITY THEFT: WATCH OUT, STOP IT
FROM HAPPENING, GET THE TOOLS
YOU NEED TO PREVENT IT RIGHT
HERE! AT KNOWLEDGE FINANCIAL.
COM
CREDIT HELP: Use Your Credit Clout:
Credit Laws That are on Your Side;
Understanding Your Debt Collection
Rights
CREDIT INFO: SAVE YOUR CREDIT,
RESCUE IT, PROTECT IT, INCREASE
YOUR SCORE. WE HAVE VALUABLE
INFORMATION TO HELP YOU
CREDIT CARDS: The American Credit
Cards are very important to have; but
credit cards represent a danger for those
who may not have the discipline, order
or those who don't think what a plastic
card can do for them or to them! The
borrowers are the slaves of the lenders.
Credit cards issuers are monsters the can
eat the average consumers alive.
CREDIT RATING: THE IMPORTANCE OF
YOUR CREDIT RATING! Credit Card
Fraud: 21 Tips to Protect Yourself. More
about your credit Score. Companies
base your credit scores on five categories
ID-THEFT: HOW TO PROTECT AND
DEFEND YOURSELF AGAINST
IDENTITY THEFT? -----DETER,
DETECT AND DEFEND?
TAX SAVING TIPS FOR INDIVIDUAL
INVESTOR, GREAT INFORMATION FOR
ALL. Taxes The More You Know, the
Less You’ll Pay
Business structures 101
LLP, LLC, S-corp and C-corp: It's not just
alphabet soup! A breakdown of what you
need to know, in layman's terms.
what are you doing with your money in
the wake of the financial crisis?
Where is the safe place to put MONEY?
-Financial Service Company. What We
Do, How we do it? EVERYTHING YOU
WANT TO KNOW ABOUT INSURANCE &
INVESTMENT.-
-How to Become Wealthy?
Nine Truths That Can Set You on the
Path to Financial Freedom--
-AMERICAN DOLLAR: What are the
letters, numbers, and symbols, the
latin words mean?
-Money Management- Counterfeit
Combat: Defense Is in the Details. How
to reconize and combat counterfeit
money?
-'INVESTMENT & FINANCE: METHODS,
TECHNIQUES, AND STRATEGIES.
WHERE, WHEN, HOW TO INVEST?
-Banking And Finance Knowledge. The
more you know the closer you are to
accomplish great success..
-The Role of Money in Our Life
THE ARCHITECTURE OF PROSPERITY
-RICH GUIDE: WHY AREN'T YOU RICH?
BUILDING FINANCIAL WEALTH,
OBTAIN FINANCIAL FREEDOM,
BECOME A RICH PERSON; YES YOU
CAN.
-Ten Resolutions to Make Your
Financial Life Easier- Counterfeit
Combat: Defense Is in the Details...
-A step by step guide to gaining control
of your financial life.-The Successful
Investment Journey, Ten Tips For The
Successful Investors -
How to Make Money Online With Or
Without a Website. ''INVESTING: MAKE
YOURSELF RICHER BY INVESTING
THE RIGHT WAY IN THE RIGHT
PRODUCTS
-Auto Insurance: The More You Know,
The Less You pay. The 10 Best Ways to
Lower Your Car Insurance Bill!
Do, How we do it? EVERYTHING YOU
WANT TO KNOW ABOUT INSURANCE &
INVESTMENT.-
-How to Become Wealthy?
Nine Truths That Can Set You on the
Path to Financial Freedom--
-AMERICAN DOLLAR: What are the
letters, numbers, and symbols, the
latin words mean?
-Money Management- Counterfeit
Combat: Defense Is in the Details. How
to reconize and combat counterfeit
money?
-'INVESTMENT & FINANCE: METHODS,
TECHNIQUES, AND STRATEGIES.
WHERE, WHEN, HOW TO INVEST?
-Banking And Finance Knowledge. The
more you know the closer you are to
accomplish great success..
-The Role of Money in Our Life
THE ARCHITECTURE OF PROSPERITY
-RICH GUIDE: WHY AREN'T YOU RICH?
BUILDING FINANCIAL WEALTH,
OBTAIN FINANCIAL FREEDOM,
BECOME A RICH PERSON; YES YOU
CAN.
-Ten Resolutions to Make Your
Financial Life Easier- Counterfeit
Combat: Defense Is in the Details...
-A step by step guide to gaining control
of your financial life.-The Successful
Investment Journey, Ten Tips For The
Successful Investors -
How to Make Money Online With Or
Without a Website. ''INVESTING: MAKE
YOURSELF RICHER BY INVESTING
THE RIGHT WAY IN THE RIGHT
PRODUCTS
-Auto Insurance: The More You Know,
The Less You pay. The 10 Best Ways to
Lower Your Car Insurance Bill!
...REAL ESTATE MARKET: TODAY'S
GREAT DEALS FOR FIRST-TIME HOME-
BUYERS & FOR EVERYONE AS NEVER
SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE
TREMENDOUS AMOUNT OF WEALTH...
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN
FINANCIAL FREEDOM, BECOME A
RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest
and financial success. Rule Of 72 is
the most important and simple rule of
financial success.
..MILLIONAIRE: How To Make Your
First $1 Million? The Millionaire's
Mindset
..FORTUNE: BEFORE INVESTING IN
THE STOCK MARKET LEARN THIS
FIRST!...
..GOVERNMENT: Government's
general information; Local, State, and
Federal.
Housing Finance Authority of Miami
dade, Monroe, Broward, and Palm
Beach County
..EMPIRE: THE ABC's OF
INVESTMENTS, Ways to Save. THE
TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING
TECHNIQUES AND STRATEGIES TO
FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL
MAKE ALL THE DIFFERENCE WHEN AN
INVESTOR DECIDES TO INVEST IN
REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE
BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION
REPORTS TO NEGOTIATE SALE
PRICE?...
...ACCOUNTING: The Basics of
Accounting...
...TAXES: THE FUNDAMENTAL OF
TAXES. THE MORE YOU KNOW, THE
LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate
Financial Calculator Problems every
investors should know about...
...REAL ESTATE MARKET: TODAY'S
GREAT DEALS FOR FIRST-TIME HOME-
BUYERS & FOR EVERYONE AS NEVER
SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE
TREMENDOUS AMOUNT OF WEALTH...
..FINANCIAL SYSTEM: THE UNITED
STATES FINANCIAL SYSTEM AND THE
ENTIRE WORLD. LEARN MORE...
..MONEY MANAGEMENT: Ten
Resolutions to Make Your Financial
Life, Three Ways to Put Your Budget On
on Auto Pilot Easier, 10 Ways to
Avoid Overdraft and Bounced Check
Fees...
..
..SAVING MONEY: THE SECRETS TO
SAVE MONEY, 66 WAYS TO SAVE
MONEY, WAYS TO SAVE MONEY ON
GAS...
..FINANCE: THE BANKING AND THE
AMERICAN FINANCIAL SYSTEM
HISTORY, SUCCESS AND FAILURE...
.. BANKING SYSTEM, BANKING
HISTORY: FINANCIAL KNOWLEDGE,
GREAT THINGS TO KNOW ABOUT THE
AMERICAN BANKING HISTORY..
GREAT DEALS FOR FIRST-TIME HOME-
BUYERS & FOR EVERYONE AS NEVER
SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE
TREMENDOUS AMOUNT OF WEALTH...
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN
FINANCIAL FREEDOM, BECOME A
RICH PERSON; YES YOU CAN...
..RULE OF 72: The compound interest
and financial success. Rule Of 72 is
the most important and simple rule of
financial success.
..MILLIONAIRE: How To Make Your
First $1 Million? The Millionaire's
Mindset
..FORTUNE: BEFORE INVESTING IN
THE STOCK MARKET LEARN THIS
FIRST!...
..GOVERNMENT: Government's
general information; Local, State, and
Federal.
Housing Finance Authority of Miami
dade, Monroe, Broward, and Palm
Beach County
..EMPIRE: THE ABC's OF
INVESTMENTS, Ways to Save. THE
TRIANGLE OF SUCCESS...
..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING
TECHNIQUES AND STRATEGIES TO
FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL
MAKE ALL THE DIFFERENCE WHEN AN
INVESTOR DECIDES TO INVEST IN
REAL ESTATE...
..HOME INSPECTION: HOW TO GET THE
BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!
HOW TO USE HOME INSPECTION
REPORTS TO NEGOTIATE SALE
PRICE?...
...ACCOUNTING: The Basics of
Accounting...
...TAXES: THE FUNDAMENTAL OF
TAXES. THE MORE YOU KNOW, THE
LESS YOU PAY...
...ANALYTICS: Top 9 Real Estate
Financial Calculator Problems every
investors should know about...
...REAL ESTATE MARKET: TODAY'S
GREAT DEALS FOR FIRST-TIME HOME-
BUYERS & FOR EVERYONE AS NEVER
SEEN BEFORE! WONDERFUL
OPPORTUNITY TO CREATE
TREMENDOUS AMOUNT OF WEALTH...
..FINANCIAL SYSTEM: THE UNITED
STATES FINANCIAL SYSTEM AND THE
ENTIRE WORLD. LEARN MORE...
..MONEY MANAGEMENT: Ten
Resolutions to Make Your Financial
Life, Three Ways to Put Your Budget On
on Auto Pilot Easier, 10 Ways to
Avoid Overdraft and Bounced Check
Fees...
..
..SAVING MONEY: THE SECRETS TO
SAVE MONEY, 66 WAYS TO SAVE
MONEY, WAYS TO SAVE MONEY ON
GAS...
..FINANCE: THE BANKING AND THE
AMERICAN FINANCIAL SYSTEM
HISTORY, SUCCESS AND FAILURE...
.. BANKING SYSTEM, BANKING
HISTORY: FINANCIAL KNOWLEDGE,
GREAT THINGS TO KNOW ABOUT THE
AMERICAN BANKING HISTORY..
.Health Care Affordable Health Care for America Act // NEWS-LETTER. // Automobile
Insurance// Financial Solution// Investment // Money-
The Millionaire's Mindset--- STOCK MARKET --// MUTUAL FUNDS, ---// FOREX MARKE -//
BONDS MARKET // ETF- EXCHANGED TRADED FUNDS // REIT-REAL ESTATE INVESTMENT
TRUST
INVESTING -// WEALTH BUILDING- SUCCESS PAGE-// SAVING MONEY-
Insurance// Financial Solution// Investment // Money-
The Millionaire's Mindset--- STOCK MARKET --// MUTUAL FUNDS, ---// FOREX MARKE -//
BONDS MARKET // ETF- EXCHANGED TRADED FUNDS // REIT-REAL ESTATE INVESTMENT
TRUST
INVESTING -// WEALTH BUILDING- SUCCESS PAGE-// SAVING MONEY-
-Exchange-traded fund.
An exchange-traded fund
(ETF) is an investment
fund traded on stock
exchanges, much like
stocks.[1] An ETF holds
assets such as stocks,
commodities, or bonds and
trades at approximately the
same price as the net
asset value of its
underlying assets over the
course of the trading day.
An exchange-traded fund
(ETF) is an investment
fund traded on stock
exchanges, much like
stocks.[1] An ETF holds
assets such as stocks,
commodities, or bonds and
trades at approximately the
same price as the net
asset value of its
underlying assets over the
course of the trading day.
THE RULES OF SUCCESS-The rules of money have changed and it’s time for you to get smart with your money! The old rules said go to
school, get a good job, work hard, get out of debt and save in a portfolio of well-diversified mutual funds or some other investments.
With the world economy in trouble and constant turmoil, people who followed the old rules are living paycheck to paycheck and facing
foreclosure and other financial difficulties' they wondering why they can’t seem to stay afloat financially./KNOWLEDGEFINANCIAL.COM
school, get a good job, work hard, get out of debt and save in a portfolio of well-diversified mutual funds or some other investments.
With the world economy in trouble and constant turmoil, people who followed the old rules are living paycheck to paycheck and facing
foreclosure and other financial difficulties' they wondering why they can’t seem to stay afloat financially./KNOWLEDGEFINANCIAL.COM
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| LISTING YOUR PROPERTY FOR SALE FAST & FOR THE TOP PRICE! ATTENTION HOME SELLERS: CALL A REALTOR AT: 786- LET US HELP YOU SELLING YOUR PROPERTY. WITH US: IS MORE ADVERTISEMENT, MORE EXPOSURE, MORE SHOWINGS, MORE OFFERS, AND MORE MONEY FOR YOUR PROPERTY! CALL: 786- --- SOUTH FLORIDA |
| BUYING, SELLING, LEASING A REAL STATE PROPERTY IN SOUTH FLORIDA IS THE AFFAIR OF A LICENSED REAL ESTATE PROFESSIONAL. CALL ANTONY AT: 786- --FOR A COMPLETE REAL ESTATE SERVICE! FORTUNE INT. REALTY |
| ''Insurance: Get a Free Quote With No Obligation. Low Cost Term Life Insurance, But Very Good. By The Term, Invest The Difference. ''FREE QUOTE, FAST & EASY''''Find Out How Much You Can Save On Life Insurance- 'REQUEST A FREE QUOTE TODAY'' Find Out If You're Paying Too Much For Life Insurance. ''AFFORDABLE LIFE INSURANCE: BEST PRICES, BEST PLAN, WITH THE BEST COMPANY. SOUTH FL. CALL AT: 786-709-1531-- .-New Opportunities May be Only a Phone Call Away. This Financial Services Company is in the Business of Changing Lives by Helping Families to Be Be Properly Protected, ---- |
| YOU’VE PROPERTY FOR SALE? CALL: 786- COMMERCIAL OR RESIDENTIAL WE’LL BUY IT FROM YOU OR WE’LL SELL IT FOR YOU; FAST, QUICK & FOR THE TOP PRICE! SOUTH FLORIDA; PLEASE CONTACT US… |
| IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA; PLEASE CALL ANTONY A PROFESSIONAL REALTOR. AT: 786- -- Fortune Int. Realty. -- - CLIENTS COMPLETE SATISFACTION GUARANTEED ! HOME-SELLING -- -' -REAL ESTATE SERVICES-- HOME-BUYING -- REAL ESTATE INFO.---- MORTGAGE LOANS INFO. -- ' 'INVESTMENT & FINANCE: METHODS, TECHNIQUES, AND STRATEGIES. WHERE, WHEN, HOW TO INVEST? --TIPS FOR HOME BUYERS -- Top 10 Home Buying Mistakes To Avoid-- |
IF YOU NEED HELP TO SELL YOUR PROPERTY;
PLEASE CALL Mr. ANTONY A PROFESSIONAL
REALTOR. AT: 786- ---
Fortune International Realty. ----REAL ESTATE
SERVICES-- HOME-BUYING -- REAL ESTATE
INFO. MORTGAGE LOANS-
PLEASE CALL Mr. ANTONY A PROFESSIONAL
REALTOR. AT: 786- ---
Fortune International Realty. ----REAL ESTATE
SERVICES-- HOME-BUYING -- REAL ESTATE
INFO. MORTGAGE LOANS-
Start your own business EASY
& SIMPLE, be your own boss,
make extra money, secure
your financial future, obtain
financial freedom. LEARN
MORE! CLICK HERE..
& SIMPLE, be your own boss,
make extra money, secure
your financial future, obtain
financial freedom. LEARN
MORE! CLICK HERE..
| WE WILL MEET YOU, SIT DOWN WITH YOU TO EXPLAIN THE FEATURES, ADVANTAGES, AND BENEFITS OF INSURANCE WHILE ALIVE AND BEYOUND SOUTH FL. CALL ANTHONY AT: 786- WE HAVE AN INSURANCE PLAN TO BETTER HELP YOURSELF, YOUR FAMILY, YOUR FRIENDS AND OTHER FAMILIES TO BE PROPERLY PROTECTED CALL US, MEET US, TO FIND-OUT MORE... 786-- |
| Life Insurance Benefits, And Advantages- How to Reduce Your Premium And Get More Coverage For Less Money. You And Your Entire Family no Matter How Many Children You Have or Will Have; All Cover For The Same Low Cost. - - South Fl. Call Anthony The Insurance Representative At: 786- Be Properly Protected With a Good Insurance Policy. Affordable Life Insurance: Best Price, Best Plan With The Best Company. Call ANTHONY At: 786- Family Treasure; Life Insurance Can be a Great One. |
| Get a Free Life Insurance Quote With No Obligation. -Low Cost Life Insurance, But Very Good Plan With One Of The Best, Largest Insurance Company.---- |
| #1. LIFE INSURANCE: BECAUSE.. In Life There Are -2- Two Things: Whether You Live Older, Or Not . Be Properly Protected Just in Case if You If Anything Happens to Minimize the Financial Trouble for Your Love One. You Can Stop, You Can Avoid Your Love One From Calling Friends, and other Family Members for Contribution to cover Unexpected costs. -- Protect Your Dignity! SOUTH FLORIDA, CALL ANTHONY THE INSURANCE REPRESENTATIVE AT: 786- -- Life Insurance Can Help You Stop your family, Your love one from crying twice. #1- Because you gone, #2 Because of the problems, Financial trouble you left behind. |
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All it takes to be successful and make the money
that successful people make, is to do what
successful people do to be successful.
ANTHONY J.
that successful people make, is to do what
successful people do to be successful.
ANTHONY J.
Exchange-Traded Funds (ETF)
Center-knowledgefinancialgroup.com
K
Exchange-Traded Funds, or ETFs, are index funds
that trade just like stocks on major stock exchanges.
Want to invest in the market quickly and cheaply?
ETFs are the most practical vehicle. They help the
investor focus on what is most important, choice of
asset classes.
All the major stock indexes have ETFs based on them, including:
Dow Jones Industrial Average
Standard & Poor's 500 Index
Nasdaq Composite
There are ETFs for large US companies, small ones, real estate investment trusts,
international stocks, bonds, and even gold. Pick an asset class that is publicly available
and there is a good bet that it is represented by an ETF or will be soon.
KNOWLEDGEFINANCIAL.COM
ETFs differ fundamentally from traditional mutual funds, which do not trade midday.
Traditional mutual funds take orders during Wall Street trading hours, but the
transactions actually occur at the close of the market.
The price they receive is the sum of the closing day prices of all the stocks contained in
the fund. Not so for ETFs, which trade instantaneously all day long and allow an investor to
lock in a price for the underlying stocks immediately.
ETFs are economical to buy and especially to maintain over the long-run, making them
especially attractive for the typical buy-and-hold investor. Annual fees are as low as .09%
of assets,
which is breathtakingly low compared to the average mutual fund fees of 1.4%. Although
investors must pay a brokerage transaction to purchase them, with discount brokers this
becomes negligible with sizable trades.
There are a few easy-to-avoid pitfalls to watch out for. Tax effects are also not to be
ignored, and ETFs perform well after-tax. They can be margined, and options based on
them allow for various defensive (or speculative) investing strategies.
KNOWLEDGEFINANCIAL.COM
Their safety as a securities instrument (considered separately from the safety of any
particular asset class they might represent) is considered the same as stock certificates
themselves.
Internally, ETFs are far more complex entities than mutual funds. A fascinating
combination of players, including brokers, money managers and market specialists
combine to make them run smoothly.
Legally, ETFs are a class of mutual fund as they fall under many of the same Securities
Exchange Commission rules that traditional mutual funds do. But their different structure
means that the SEC has imposed different requirements from traditional mutual funds in
how they are bought and sold.
ETFs are index funds at heart, so investors are encouraged to study the philosophy of
index investing which downplays stock picking in favor of buying the market.
But unlike most traditional index funds, investors need not take a passive, buy-and-hold
approach. ETFs are also becoming favorites of hedge funds and day traders who like to
pull the trigger frequently.
KNOWLEDGEFINANCIAL.COM
Both types of investors may coexist and in fact strengthen each other by lowering overall
transaction costs.
''SEC-Exchange-Traded Funds (ETFs)--
''ETF Education Center-ETF Basic Education-
Center-knowledgefinancialgroup.com
K
Exchange-Traded Funds, or ETFs, are index funds
that trade just like stocks on major stock exchanges.
Want to invest in the market quickly and cheaply?
ETFs are the most practical vehicle. They help the
investor focus on what is most important, choice of
asset classes.
All the major stock indexes have ETFs based on them, including:
Dow Jones Industrial Average
Standard & Poor's 500 Index
Nasdaq Composite
There are ETFs for large US companies, small ones, real estate investment trusts,
international stocks, bonds, and even gold. Pick an asset class that is publicly available
and there is a good bet that it is represented by an ETF or will be soon.
KNOWLEDGEFINANCIAL.COM
ETFs differ fundamentally from traditional mutual funds, which do not trade midday.
Traditional mutual funds take orders during Wall Street trading hours, but the
transactions actually occur at the close of the market.
The price they receive is the sum of the closing day prices of all the stocks contained in
the fund. Not so for ETFs, which trade instantaneously all day long and allow an investor to
lock in a price for the underlying stocks immediately.
ETFs are economical to buy and especially to maintain over the long-run, making them
especially attractive for the typical buy-and-hold investor. Annual fees are as low as .09%
of assets,
which is breathtakingly low compared to the average mutual fund fees of 1.4%. Although
investors must pay a brokerage transaction to purchase them, with discount brokers this
becomes negligible with sizable trades.
There are a few easy-to-avoid pitfalls to watch out for. Tax effects are also not to be
ignored, and ETFs perform well after-tax. They can be margined, and options based on
them allow for various defensive (or speculative) investing strategies.
KNOWLEDGEFINANCIAL.COM
Their safety as a securities instrument (considered separately from the safety of any
particular asset class they might represent) is considered the same as stock certificates
themselves.
Internally, ETFs are far more complex entities than mutual funds. A fascinating
combination of players, including brokers, money managers and market specialists
combine to make them run smoothly.
Legally, ETFs are a class of mutual fund as they fall under many of the same Securities
Exchange Commission rules that traditional mutual funds do. But their different structure
means that the SEC has imposed different requirements from traditional mutual funds in
how they are bought and sold.
ETFs are index funds at heart, so investors are encouraged to study the philosophy of
index investing which downplays stock picking in favor of buying the market.
But unlike most traditional index funds, investors need not take a passive, buy-and-hold
approach. ETFs are also becoming favorites of hedge funds and day traders who like to
pull the trigger frequently.
KNOWLEDGEFINANCIAL.COM
Both types of investors may coexist and in fact strengthen each other by lowering overall
transaction costs.
''SEC-Exchange-Traded Funds (ETFs)--
''ETF Education Center-ETF Basic Education-
Exchange-Traded Funds (ETF) Center Of
Information
--KNOWLEDGEFINANCIALGROUP.COM
How ETFs work?
ETFs are securities certificates that state legal right of ownership
over part of a basket of individual stock certificates.
Several different kinds of financial firms are needed for ETFs to
come into being, trade at prices that closely match their underlying
assets, and unwind when investors no longer want them.
KNOWLEDGEFINANCIALGROUP.COM
Laying all the groundwork is the fund manager. This is the main
backer behind any ETF, and they must submit a detailed plan for how
the ETF will operate to be given permission by the SEC to proceed.
In theory all that a fund manager needs to do is establish clear
procedures and describe precisely the composition of the ETF
(which changes infrequently) to the other firms involved in ETF
creation and redemption.
In practice, however, only the very biggest institutional money
management firms with experience in indexing tend to play this role,
such as The Vanguard Group and Barclays Global Investors.
They direct pension funds with enormous baskets of stocks in
markets all over the world to loan stocks necessary for the creation
process. They also create demand by lining up customers, either
institutional or retail, to buy a newly introduced ETF.
KNOWLEDGEFINANCIALGROUP.COM
The creation of an ETF officially begins with an authorized
participant, also referred to as a market maker or specialist. Highly
scrutinized for their integrity and operational competence, these
middlemen assemble the appropriate basket of stocks and send
them to a specially designated custodial bank for safekeeping.
These baskets are normally quite large, sufficient to purchase
10,000 to 50,000 shares of the ETF in question. The custodial bank
doublechecks that the basket represents the requested ETF and
forwards the ETF shares on to the authorized participant.
This is a so-called in-kind trade of essentially equivalent items that
does not trigger capital gains for investors.
The custodial bank holds the basket of stocks in the fund's account
for the fund manager to monitor. There isn't too much activity in
these accounts, but some cash comes into them for dividends and
there are a variety of oversight tasks to perform. Some managers
have leeway to use derivatives to track an index.
This flow of individual stocks and ETF certificates goes through the
Depository Trust Clearing Corp., the same US government agency
that records individual stock sales and keeps the official record of
these transactions. It records ETF transfer of title just like any stock.
It provides an extra layer of assurance against fraud.
Once the authorized participant obtains the ETF from the custodial
bank, it is free to sell it into the open market. From then on ETF
shares are sold and resold freely among investors on the open
market.
Redemption is simply the reverse. An authorized participant buys a
large block of ETFs on the open market and sends it to the custodial
bank and in return receives back an equivalent basket of individual
stocks which are then sold on the open market or typically returned
to their loanees. knowledgefinancialgroup.com
What motivates each player? The fund manager takes a small
portion of the fund's annual assets as their fee, clearly stated in the
prospectus available to all investors.
The investors who loan stocks to make up a basket make a small
interest fee for the favor.
The custodial bank makes a small portion of assets likewise,
usually paid for by the fund manager out of management fees.
The authorized participant is primarily driven by profits from the
difference in price between the basket of stocks and the ETF and on
part of the bid-ask spread of the ETF itself.
Whenever there is an opportunity to earn a little by buying one and
selling the other, the authorized participant will jump in.
KNOWLEDGEFINANCIALGROUP.COM
The process might seem cumbersome but it does allow for
transparency and liquidity at modest cost. Everyone can see what
goes into an ETF, investor fees are clearly laid out, investors can be
confident that they can exit at any time, and even the authorized
participant's fees are guaranteed to be modest.
If one allows ETF prices to deviate from the underlying net asset
value of the component stocks, another can step in and take profit
on the difference, so their competition tends to keep ETF prices very
close to it underlying Net Asset Value (value of component stocks).
What Are ETFs? What They Really Are? NASDAQ-
''What You Need to Know About Trading and
Investing in Leveraged ETFs
Information
--KNOWLEDGEFINANCIALGROUP.COM
How ETFs work?
ETFs are securities certificates that state legal right of ownership
over part of a basket of individual stock certificates.
Several different kinds of financial firms are needed for ETFs to
come into being, trade at prices that closely match their underlying
assets, and unwind when investors no longer want them.
KNOWLEDGEFINANCIALGROUP.COM
Laying all the groundwork is the fund manager. This is the main
backer behind any ETF, and they must submit a detailed plan for how
the ETF will operate to be given permission by the SEC to proceed.
In theory all that a fund manager needs to do is establish clear
procedures and describe precisely the composition of the ETF
(which changes infrequently) to the other firms involved in ETF
creation and redemption.
In practice, however, only the very biggest institutional money
management firms with experience in indexing tend to play this role,
such as The Vanguard Group and Barclays Global Investors.
They direct pension funds with enormous baskets of stocks in
markets all over the world to loan stocks necessary for the creation
process. They also create demand by lining up customers, either
institutional or retail, to buy a newly introduced ETF.
KNOWLEDGEFINANCIALGROUP.COM
The creation of an ETF officially begins with an authorized
participant, also referred to as a market maker or specialist. Highly
scrutinized for their integrity and operational competence, these
middlemen assemble the appropriate basket of stocks and send
them to a specially designated custodial bank for safekeeping.
These baskets are normally quite large, sufficient to purchase
10,000 to 50,000 shares of the ETF in question. The custodial bank
doublechecks that the basket represents the requested ETF and
forwards the ETF shares on to the authorized participant.
This is a so-called in-kind trade of essentially equivalent items that
does not trigger capital gains for investors.
The custodial bank holds the basket of stocks in the fund's account
for the fund manager to monitor. There isn't too much activity in
these accounts, but some cash comes into them for dividends and
there are a variety of oversight tasks to perform. Some managers
have leeway to use derivatives to track an index.
This flow of individual stocks and ETF certificates goes through the
Depository Trust Clearing Corp., the same US government agency
that records individual stock sales and keeps the official record of
these transactions. It records ETF transfer of title just like any stock.
It provides an extra layer of assurance against fraud.
Once the authorized participant obtains the ETF from the custodial
bank, it is free to sell it into the open market. From then on ETF
shares are sold and resold freely among investors on the open
market.
Redemption is simply the reverse. An authorized participant buys a
large block of ETFs on the open market and sends it to the custodial
bank and in return receives back an equivalent basket of individual
stocks which are then sold on the open market or typically returned
to their loanees. knowledgefinancialgroup.com
What motivates each player? The fund manager takes a small
portion of the fund's annual assets as their fee, clearly stated in the
prospectus available to all investors.
The investors who loan stocks to make up a basket make a small
interest fee for the favor.
The custodial bank makes a small portion of assets likewise,
usually paid for by the fund manager out of management fees.
The authorized participant is primarily driven by profits from the
difference in price between the basket of stocks and the ETF and on
part of the bid-ask spread of the ETF itself.
Whenever there is an opportunity to earn a little by buying one and
selling the other, the authorized participant will jump in.
KNOWLEDGEFINANCIALGROUP.COM
The process might seem cumbersome but it does allow for
transparency and liquidity at modest cost. Everyone can see what
goes into an ETF, investor fees are clearly laid out, investors can be
confident that they can exit at any time, and even the authorized
participant's fees are guaranteed to be modest.
If one allows ETF prices to deviate from the underlying net asset
value of the component stocks, another can step in and take profit
on the difference, so their competition tends to keep ETF prices very
close to it underlying Net Asset Value (value of component stocks).
What Are ETFs? What They Really Are? NASDAQ-
''What You Need to Know About Trading and
Investing in Leveraged ETFs
Tax Advantages with ETFs
As luck would have it ETFs are also quite tax-efficient. Because of the way they are
created and redeemed, they allow an investor to pay most of his capital gains upon final
sale of the ETF, delaying it until the very end.--KNOWLEDGEFINANCIALGROUP.COM
There is no way to avoid capital gains, but delaying it is valuable because the amount that
would have been paid to taxes can continue to accumulate wealth. Exactly how much an
investor benefits after-tax depends on their marginal tax rate,
the return of the investment, and how long they hold the investment. Overall, ETFs are
similar to tax managed index mutual funds, slightly more efficient than standard mutual
funds, and significantly more efficient than actively managed mutual funds.
Traditional mutual funds accumulate unrealized capital gains liabilities for stocks that
have risen in value. Upon sale of these stocks the fund calculates and periodically
distributes the capital gains to its investors in proportion to their ownership. The following
table illustrates a comparison of ETFs versus standard index mutual funds:
Both types of funds in the table have modest distributions, certainly in comparison to
actively managed mutual funds. And the more turnover from trying to pick stocks, the
more an active fund will force investors to pay the IRS.
KNOWLEDGEFINANCIALGROUP.COM
It's an ugly and little discussed fact that active mutual fund investors can end up paying
other investors' tax bills, especially in a bear market. That's because investors who sell
out before the day of record for that distribution will not receive the tax bill, while loyal
investors who stay in will pay it for the entire amount!
How is it ETFs are so efficient? Through a regulatory loophole, ETFs are considered to be
created by trading equivalent certificates (the ETF for the many stocks that make up the
basket) in what is called an in-kind trade.
This exchange of essentially identical items does not trigger capital gains, according to
the IRS. Traditional mutual funds must go into the open market and exchange cash for
stocks and vice versa, which trigger realization of gains. It's a subtle difference,
admittedly, but which results in an advantage for the ETF
investor.--KNOWLEDGEFINANCIALGROUP.COM
As always, there are exceptions. Occasionally an ETF fund that is only a few years old
may throw off unusually high distributions, in a market downturn. But this is atypical.
As luck would have it ETFs are also quite tax-efficient. Because of the way they are
created and redeemed, they allow an investor to pay most of his capital gains upon final
sale of the ETF, delaying it until the very end.--KNOWLEDGEFINANCIALGROUP.COM
There is no way to avoid capital gains, but delaying it is valuable because the amount that
would have been paid to taxes can continue to accumulate wealth. Exactly how much an
investor benefits after-tax depends on their marginal tax rate,
the return of the investment, and how long they hold the investment. Overall, ETFs are
similar to tax managed index mutual funds, slightly more efficient than standard mutual
funds, and significantly more efficient than actively managed mutual funds.
Traditional mutual funds accumulate unrealized capital gains liabilities for stocks that
have risen in value. Upon sale of these stocks the fund calculates and periodically
distributes the capital gains to its investors in proportion to their ownership. The following
table illustrates a comparison of ETFs versus standard index mutual funds:
Both types of funds in the table have modest distributions, certainly in comparison to
actively managed mutual funds. And the more turnover from trying to pick stocks, the
more an active fund will force investors to pay the IRS.
KNOWLEDGEFINANCIALGROUP.COM
It's an ugly and little discussed fact that active mutual fund investors can end up paying
other investors' tax bills, especially in a bear market. That's because investors who sell
out before the day of record for that distribution will not receive the tax bill, while loyal
investors who stay in will pay it for the entire amount!
How is it ETFs are so efficient? Through a regulatory loophole, ETFs are considered to be
created by trading equivalent certificates (the ETF for the many stocks that make up the
basket) in what is called an in-kind trade.
This exchange of essentially identical items does not trigger capital gains, according to
the IRS. Traditional mutual funds must go into the open market and exchange cash for
stocks and vice versa, which trigger realization of gains. It's a subtle difference,
admittedly, but which results in an advantage for the ETF
investor.--KNOWLEDGEFINANCIALGROUP.COM
As always, there are exceptions. Occasionally an ETF fund that is only a few years old
may throw off unusually high distributions, in a market downturn. But this is atypical.
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Financial Education Training Tools & Resources l Solutions to Individual Investors, Businesses People, and Nonprofit Organizations.
Financial Knowledge And Education For Success/Learn Everything About: Economy, Finance, Business, Real Estate, Insurance, Investing, Mortgages. Sexuality,
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Financial Education And Financial Resources To Obtain Financial Independence And Economic Freedom...
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Five Things to Consider Before You Buying ETFs... Exchange
Traded Funds!
Buying an ETF is just like buying an equity. You bid a certain price or you take out the offering price. Simple as that. However,
before you get started and place that call to your broker, you should conduct due diligence about adding ETFs to your portfolio.
1. Investment Strategy
Why are you buying an ETF? Are you looking for some broad market exposure? Do you want to invest in a certain industry? Are
you looking to hedge a segment of your portfolio? Determining the correct investment strategy will set you on the correct path of
picking the most effective ETF.
2. Investment Horizon
How long do you plan to hold this ETF? Are you in for the long haul or is this a short-term investment? There are different
advantages and disadvantages of ETFs depending on your investment horizon.
3. ETF Assets
Research your chosen ETF and all of its holdings. Even though you are looking for overall country, market, or sector exposure,
that doesn’t mean you shouldn’t examine the equities in an ETF. Just as you would scrutinize any stock before you invest, you
should research all the assets in the ETF. If there is any equity that could hinder performance (in your opinion) it may not be the
ideal investment for your portfolio.
4. Costs, Commissions and Fees
ETFs can be a cost-effective investment in most cases, but you still have to weigh the related costs of an ETF against similar
investments like indexes and mutual funds. Some ETFs are close-ended and therefore carry extra management fees. Also, if you
are actively trading ETFs make sure to include commissions in your cost calculations. Be aware of all related costs before
purchasing an ETF.
5. Tax Implications
How is the purchase or sale of an ETF going to affect your tax return? While U.S. based ETFs have many tax advantages, a foreign
ETF may not be so tax-friendly and therefore not cost-effective. Tax implications vary from region to region.
The beauty of ETFs is that they are easy to buy and easy to trade. To buy an ETF all you need is a discount brokerage
account. And ETFs, for the most part, are liquid and trade openly during market hours. However, that doesn’t mean you should just
jump in the ETF waters without considering the factors that may or may not make these investments the right choice for your
portfolio.
Traded Funds!
Buying an ETF is just like buying an equity. You bid a certain price or you take out the offering price. Simple as that. However,
before you get started and place that call to your broker, you should conduct due diligence about adding ETFs to your portfolio.
1. Investment Strategy
Why are you buying an ETF? Are you looking for some broad market exposure? Do you want to invest in a certain industry? Are
you looking to hedge a segment of your portfolio? Determining the correct investment strategy will set you on the correct path of
picking the most effective ETF.
2. Investment Horizon
How long do you plan to hold this ETF? Are you in for the long haul or is this a short-term investment? There are different
advantages and disadvantages of ETFs depending on your investment horizon.
3. ETF Assets
Research your chosen ETF and all of its holdings. Even though you are looking for overall country, market, or sector exposure,
that doesn’t mean you shouldn’t examine the equities in an ETF. Just as you would scrutinize any stock before you invest, you
should research all the assets in the ETF. If there is any equity that could hinder performance (in your opinion) it may not be the
ideal investment for your portfolio.
4. Costs, Commissions and Fees
ETFs can be a cost-effective investment in most cases, but you still have to weigh the related costs of an ETF against similar
investments like indexes and mutual funds. Some ETFs are close-ended and therefore carry extra management fees. Also, if you
are actively trading ETFs make sure to include commissions in your cost calculations. Be aware of all related costs before
purchasing an ETF.
5. Tax Implications
How is the purchase or sale of an ETF going to affect your tax return? While U.S. based ETFs have many tax advantages, a foreign
ETF may not be so tax-friendly and therefore not cost-effective. Tax implications vary from region to region.
The beauty of ETFs is that they are easy to buy and easy to trade. To buy an ETF all you need is a discount brokerage
account. And ETFs, for the most part, are liquid and trade openly during market hours. However, that doesn’t mean you should just
jump in the ETF waters without considering the factors that may or may not make these investments the right choice for your
portfolio.
Exchange Traded Funds, Unlike an index, you can purchase an ETF with one single transaction. You are
purchasing a mini-portfolio, not a basket of stocks. That makes life easier when targeting a certain price..
Cost-Effectiveness
Since there is only one transaction per trade, commissions are lower on an ETF as opposed to an index, which requires a basket
of stocks and multiple trades. Also, there are no load fees, and managing fees tend to be lower for ETFs as opposed to regular
mutual funds.
Taxes
Capital gains taxes are generally lower for ETFs than traditional mutual funds due to the structure of each trade. When a gain is
realized in a daily mutual fund trade or even within an index trade, capital gain taxes are incurred immediately. In the case of
exchange traded funds, the individual capital gains are not realized until the assets are sold with the entire fund. Therefore ETFs
are a "tax friendly" investment.
Flexibility
Speaking of flexibility, like an equity, ETFs trade throughout market hours. ETFs can be sold short or on margin, and prices are
continuously updated during the trading day. In other words ETFs trade just like equities on the stock market.
. Immediate Dividends
With most ETFs, (open-ended) dividends are immediately reinvested back into the fund. In the case of traditional funds, the time
frames may vary. However, while ETFs are tax friendly, one must not ignore the taxes on ETF dividends either.
Simplicity
ETFs are simple in structure and easy to understand. If you are looking to invest in a certain industry or want to emulate the ROI
on a particular index or underlying asset, you are only a trade away from getting started with ETFs.
purchasing a mini-portfolio, not a basket of stocks. That makes life easier when targeting a certain price..
Cost-Effectiveness
Since there is only one transaction per trade, commissions are lower on an ETF as opposed to an index, which requires a basket
of stocks and multiple trades. Also, there are no load fees, and managing fees tend to be lower for ETFs as opposed to regular
mutual funds.
Taxes
Capital gains taxes are generally lower for ETFs than traditional mutual funds due to the structure of each trade. When a gain is
realized in a daily mutual fund trade or even within an index trade, capital gain taxes are incurred immediately. In the case of
exchange traded funds, the individual capital gains are not realized until the assets are sold with the entire fund. Therefore ETFs
are a "tax friendly" investment.
Flexibility
Speaking of flexibility, like an equity, ETFs trade throughout market hours. ETFs can be sold short or on margin, and prices are
continuously updated during the trading day. In other words ETFs trade just like equities on the stock market.
. Immediate Dividends
With most ETFs, (open-ended) dividends are immediately reinvested back into the fund. In the case of traditional funds, the time
frames may vary. However, while ETFs are tax friendly, one must not ignore the taxes on ETF dividends either.
Simplicity
ETFs are simple in structure and easy to understand. If you are looking to invest in a certain industry or want to emulate the ROI
on a particular index or underlying asset, you are only a trade away from getting started with ETFs.
ETFs, which are baskets of securities that trade on exchanges like stocks,
track most major investment classes, such as U.S. and international stocks,
precious metals, commodities, bonds and currencies etc.
====
Exchange-traded funds have gone mainstream as individual
investors and financial advisers alike have embraced the flexibility of low-cost,
tax-efficient portfolios.
Yet ETFs are not perfect tools that magically make investment risk
disappear. Investors must use these securities wisely and avoid common
pitfalls if they want to meet their goals.
track most major investment classes, such as U.S. and international stocks,
precious metals, commodities, bonds and currencies etc.
====
Exchange-traded funds have gone mainstream as individual
investors and financial advisers alike have embraced the flexibility of low-cost,
tax-efficient portfolios.
Yet ETFs are not perfect tools that magically make investment risk
disappear. Investors must use these securities wisely and avoid common
pitfalls if they want to meet their goals.
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| '' What Are Self-Directed IRAs? How Self-Directed IRAs Let you Invest in Anything? How To Invest In Real Estate With IRA's, 401k's money? ----------- Commodity Trading: What Are Commodities? How to Invest in Commodities? How does commodity futures trading work? ---------- '' Oil Futures Trading 101 '' How To Start Investing In OIL AND GAS? A Guide To Investing In Oil Markets. = How to Buy Oil and Gas Royalties ? |
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There are risks involved with investing, including
possible loss of principal. Foreign investing involves
currency, political and economic risk.
Funds focusing on a single country, sector and/or funds that emphasize investments in smaller
companies may experience greater price volatility.
Investments in emerging markets, currency, fixed income and alternative investments include
additional risks. Please see prospectus for discussion of risks.
Past performance is not indicative of future results. This material contains the opinions of the
author, which are subject to change, and should not to be considered or interpreted as a
recommendation to participate in any particular trading strategy, or deemed to be an offer or sale of
any investment product and it should not be relied on as such. There is no guarantee that any
strategies discussed will work under all market conditions.
This material represents an assessment of the market environment at a specific time and is not
intended to be a forecast of future events or a guarantee of future results. This material should not
be relied upon as research or investment advice regarding any security in particular.
The user of this information assumes the entire risk of any use made of the information provided
herein. Neither WisdomTree nor its affiliates, nor Foreside Fund Services, LLC, or its affiliates
provide tax or legal advice.
Investors seeking tax or legal advice should consult their tax or legal advisor. Unless expressly
stated otherwise the opinions, interpretations or findings expressed herein do not necessarily
represent the views of Knowledge Financial Group or any of its affiliates.
Index Funds And Exchange-traded funds have gone mainstream as individual investors and financial
advisers alike have embraced the flexibility of low-cost, tax-efficient portfolios.
Yet ETFs are not perfect tools that magically make investment risk disappear. Investors must use
these securities wisely and avoid common pitfalls if they want to meet their goals.
ETFs, which are baskets of securities that trade on exchanges like stocks, track most major
investment classes, such as U.S. and international stocks, precious metals, commodities, bonds and
currencies.
Since almost all ETFs follow indexes, they are seen as efficient ways to get exposure to broad
swaths of the market. Some ETFs hold hundreds of stocks, such as the S&P 500-tracking SDPR
Trust..
Ultimate guide to retirement
Probably the biggest disadvantage to ETFs is that you've got to buy them through a broker. Even
with the low fees available at discount and online brokers these days, brokerage commissions can
seriously erode ETFs' low-expense advantage, especially when you're investing small sums of
money.
possible loss of principal. Foreign investing involves
currency, political and economic risk.
Funds focusing on a single country, sector and/or funds that emphasize investments in smaller
companies may experience greater price volatility.
Investments in emerging markets, currency, fixed income and alternative investments include
additional risks. Please see prospectus for discussion of risks.
Past performance is not indicative of future results. This material contains the opinions of the
author, which are subject to change, and should not to be considered or interpreted as a
recommendation to participate in any particular trading strategy, or deemed to be an offer or sale of
any investment product and it should not be relied on as such. There is no guarantee that any
strategies discussed will work under all market conditions.
This material represents an assessment of the market environment at a specific time and is not
intended to be a forecast of future events or a guarantee of future results. This material should not
be relied upon as research or investment advice regarding any security in particular.
The user of this information assumes the entire risk of any use made of the information provided
herein. Neither WisdomTree nor its affiliates, nor Foreside Fund Services, LLC, or its affiliates
provide tax or legal advice.
Investors seeking tax or legal advice should consult their tax or legal advisor. Unless expressly
stated otherwise the opinions, interpretations or findings expressed herein do not necessarily
represent the views of Knowledge Financial Group or any of its affiliates.
Index Funds And Exchange-traded funds have gone mainstream as individual investors and financial
advisers alike have embraced the flexibility of low-cost, tax-efficient portfolios.
Yet ETFs are not perfect tools that magically make investment risk disappear. Investors must use
these securities wisely and avoid common pitfalls if they want to meet their goals.
ETFs, which are baskets of securities that trade on exchanges like stocks, track most major
investment classes, such as U.S. and international stocks, precious metals, commodities, bonds and
currencies.
Since almost all ETFs follow indexes, they are seen as efficient ways to get exposure to broad
swaths of the market. Some ETFs hold hundreds of stocks, such as the S&P 500-tracking SDPR
Trust..
Ultimate guide to retirement
Probably the biggest disadvantage to ETFs is that you've got to buy them through a broker. Even
with the low fees available at discount and online brokers these days, brokerage commissions can
seriously erode ETFs' low-expense advantage, especially when you're investing small sums of
money.
Custom Search
ETFs and
ETNs alike, more
and more investors may
have these vehicles on
their radar as a potential
investment.
Further, some may be
inclined to think that
ETFs and ETNs
are similar: Both
represent baskets of
underlying products and
both can be bought and
sold like common stock.
But in fact they are very
different.
ETFs allow investors to
take positions in baskets
of underlying securities
or commodities, and are
backed by the
underlying assets.
For example, if you buy
shares of an S&P 500®
ETF, you are investing in
a fund that has
purchased a basket of
stocks that comprise the
S&P 500.
As such, the fund is
entitled to the same
rights afforded to
regular shareholders.
Similarly, if you own a
commodity ETF like GLD,
you actually indirectly
own an underlying
portion of the physical
gold, which is held by a
trust.
ETNs, on the
other hand, are
structured products
issued as subordinated
debt by an institution,
typically a bank, which
seek to provide the
buyer the performance
of an index or
commodity. This means
that the investor doesn’t
actually invest in the
underlying assets like
ETFs.
The potential upshot
here is that, come tax
season, savings may be
found—since an ETN
doesn’t buy
and sell assets
like an ETF,
traders can potentially
avoid short-term capital
gains taxes. With the
GLD ETF, for example,
investors physically own
the underlying precious
metal through a trust—
taxed as a collectible
ETNs alike, more
and more investors may
have these vehicles on
their radar as a potential
investment.
Further, some may be
inclined to think that
ETFs and ETNs
are similar: Both
represent baskets of
underlying products and
both can be bought and
sold like common stock.
But in fact they are very
different.
ETFs allow investors to
take positions in baskets
of underlying securities
or commodities, and are
backed by the
underlying assets.
For example, if you buy
shares of an S&P 500®
ETF, you are investing in
a fund that has
purchased a basket of
stocks that comprise the
S&P 500.
As such, the fund is
entitled to the same
rights afforded to
regular shareholders.
Similarly, if you own a
commodity ETF like GLD,
you actually indirectly
own an underlying
portion of the physical
gold, which is held by a
trust.
ETNs, on the
other hand, are
structured products
issued as subordinated
debt by an institution,
typically a bank, which
seek to provide the
buyer the performance
of an index or
commodity. This means
that the investor doesn’t
actually invest in the
underlying assets like
ETFs.
The potential upshot
here is that, come tax
season, savings may be
found—since an ETN
doesn’t buy
and sell assets
like an ETF,
traders can potentially
avoid short-term capital
gains taxes. With the
GLD ETF, for example,
investors physically own
the underlying precious
metal through a trust—
taxed as a collectible
While ETNs provide
some appealing
investment
characteristics, they also come
with three key considerations that can
prove challenging for holders:
1.Many are high
maintenance. Since
many of these securities use
leverage, along with
derivatives that have
maturity dates, they require
daily monitoring and upkeep
as they may lose value
quickly as a result of
leverage decay.
Translation: These
securities are rarely
held overnight, as they need
to be reset and rebalanced on
a daily basis in order to
maintain a certain leverage
ratio. For this reason, ETNs
are best suited for short-term
trading.
2.They present
issuer risk. When you
buy an ETN, you’re buying
debt, which means that a
buyer assumes the risk that
the issuer may default.
Because an ETN is a debt
instrument, if the issuer
defaults, the investor has to
stand in line with all of the
other creditors and hope that
they can get some of their
money back.
3.They can be
hard to trade in
tough times. And
while these products
generally trade without issue
on an exchange, an
unexpected closure or
delisting can be a headache
for investors looking to exit
their position. As debt
instruments, ETNs have
maturity dates.
When an ETN delists,
investors still hold the note
and will be paid at the
expiration, but it is much
harder to buy and sell that
debt beforehand. In the case
of the UWTI, for example,
holders of the ETN won’t be
able to cash them in until
2032.1
While in the past they could
trade the ETN on the New
York Stock Exchange, now
they will have to trade it over-
the-counter. The less liquid
over-the-counter (OTC)
market has wider spreads
and makes it tough to get as
much value for the products,
often times pennies on the
dollar.
some appealing
investment
characteristics, they also come
with three key considerations that can
prove challenging for holders:
1.Many are high
maintenance. Since
many of these securities use
leverage, along with
derivatives that have
maturity dates, they require
daily monitoring and upkeep
as they may lose value
quickly as a result of
leverage decay.
Translation: These
securities are rarely
held overnight, as they need
to be reset and rebalanced on
a daily basis in order to
maintain a certain leverage
ratio. For this reason, ETNs
are best suited for short-term
trading.
2.They present
issuer risk. When you
buy an ETN, you’re buying
debt, which means that a
buyer assumes the risk that
the issuer may default.
Because an ETN is a debt
instrument, if the issuer
defaults, the investor has to
stand in line with all of the
other creditors and hope that
they can get some of their
money back.
3.They can be
hard to trade in
tough times. And
while these products
generally trade without issue
on an exchange, an
unexpected closure or
delisting can be a headache
for investors looking to exit
their position. As debt
instruments, ETNs have
maturity dates.
When an ETN delists,
investors still hold the note
and will be paid at the
expiration, but it is much
harder to buy and sell that
debt beforehand. In the case
of the UWTI, for example,
holders of the ETN won’t be
able to cash them in until
2032.1
While in the past they could
trade the ETN on the New
York Stock Exchange, now
they will have to trade it over-
the-counter. The less liquid
over-the-counter (OTC)
market has wider spreads
and makes it tough to get as
much value for the products,
often times pennies on the
dollar.
KNOWLEDGE FINANCIAL GROUP -
KNOWLEDGEFINANCIALGROUP.COM
KNOWLEDGEFINANCIALGROUP.COM
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