Watch Out for These Mistakes
Investing is a gradual process - purchasing
investments and selling others as the years go by. After a period
of years, this can result in a mixture of investments that don't
fit your overall investment strategy. Thus, periodically review
your portfolio, watching out for these mistakes.
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Measuring a Stock’s Risk
Basically, stocks are subject to two types
of risk - market risk and nonmarket risk. Nonmarket risk, also
called specific risk, is the risk that events specific to a company
or its industry will adversely affect the stock's price. For instance,
an increase in the cost of oil would be expected to adversely
affect the stock prices of the entire oil industry, while a major
management change would only affect that company. Market risk,
on the other hand, is the risk that a particular stock's price
will be affected by overall stock market movements.
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The World of Stock Market Indexes
Historically, stock market indexes have
been closely watched as an indicator of the market's overall performance.
While that role is still important, the number of stock market
indexes has grown explosively as mutual funds and investment managers
search for relevant indexes to use as benchmarks to compare performance.
Indexes are also increasingly used as the base for investment
products, allowing investors to invest in defined segments of
the market without purchasing all of the underlying stocks in
the index.
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Consider Dollar Cost Averaging
We all know we should buy low and sell high,
but determining when that occurs is difficult. Thus, consider
using a strategy like dollar cost averaging to help with those
decisions. Dollar cost averaging involves investing
a set amount of money in the same investment on a periodic basis.
For instance, instead of investing a lump sum in one stock immediately,
you might invest $2,000 in that stock at the beginning of every
month.
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Bonds and Interest Rate Changes
With interest rates at such low levels,
you might be wondering what could happen to your bond portfolio
if interest rates rise. Basically, interest rate changes affect
bond prices as follows.
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David K. Sebastian, CFP®, and his team of experts at The Physicians Wealth Management Group specialize in working with individual physicians and group medical practices. David is considered to be one of the top financial advisors in the country with more than twenty five years of Wall Street experience as a chief investment officer, portfolio manager, institutional bond trader, and estate planning, benefits planning and retirement consultant.
Commitment to his clients’ financial needs and well being is a primary motivation for David.
The Physicians Wealth Management Group was specifically created to address and manage all of the unique financial challenges that doctors are facing both individually and through their group medical practices.
Feel free to contact me at
www.physicianswealth.com or
dsebastian@sfr1.com
or call me at (973) 285-3600
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