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CHANGES AHEAD FOR ETF INVESTORS | The inclusion of mainland China shares in more indexes including S&P Global, an expanding menu of active and the potential for more funds are among trends for 2019 | WATCH :










Updated our signals yesterday. 1M outlook using circuit of algos. Strange to see shift moving to value momentum. Interesting trend worth following. Sorry getting Sell for . Does that mean we can't come & hang out with you & ?




These hidden gem are quickly emerging from the shadows. explores eleven ETFs that have grown from $50 million in to $200 million or more.






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Wave of cash recedes recedes but U.S. money market fund assets hold above $3 trillion for a second straight week.

Source: iMoneyNet



readers: Today's 40-minute webcast reviewed our report, 'The Responsive Sales Staff.' We discussed sales teams, needs, had audience Q&A. To view the archived webcast, go to:







Excited to be on the podium for closing bell โฆโฉ today representing โฆโฉ




Financial acronyms can be confusing, even for the savviest investor. We sit down with Darin Leone, Portfolio Strategist, to walk investors through the ETF basics
















We're looking forward to the upcoming conference in Miami. KPMG's Jorge Fernandez Revilla will join the 'Global ETF Expansion: Successful Strategies for Launching Across Europe & Asia' panel to discuss how exchanges are working together







The growth of in Europe is hard to ignore. Although commonly known as 'passive' investments, active managers are still launching ETFs. Find out why.




You are an experienced and highly interested in , and the universe? Take a closer look at this open position: Qualitative Research Analyst (m/f/d) Indexing in .






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What Is the Minimum You Need to Invest for a Mutual Fund?

Whether you’re new to investing or have been doing it for years, mutual funds offer a great way to invest your money. It allows you to invest in multiple stocks and bonds without the hassle of choosing and buying each individually. Plus, mutual fund companies can do all this work for you. While convenient, mutual funds aren’t always accessible to all investors due to their potentially high minimums.

What Is a Mutual Fund?

When you invest in a mutual fund, you put a fund company in charge of buying your shares and bonds. This serves as an alternative to buying various individual stocks on your own. You might already be familiar with mutual funds, through your employer-sponsored 401(k). In that case, your employer’s chosen fund company manages your and your coworkers’ 401(k) investments. That way, you don’t have to do all the calculations yourself to try and optimize your earnings.

Mutual funds do require you to choose the fund you want. Mutual funds include stocks, bonds, money market and index funds. Each mutual fund will hold a different mix of these investment subsets, with some containing only stocks, for example, while other balanced funds offer a more diversified mix.

When choosing your mutual fund, it helps to take into account your risk tolerance for investing and your savings goals timeline. For example, let’s say you’re in your 20s and have just started your 401(k) mutual fund. You have a long way to go until retirement, so you can afford to be more aggressive with your investments. If you experience some losses, you have plenty of time to make it up. But of course, if you’re not the aggressive type, you can always choose a safer investment approach.

Average Minimum Investment for Different Mutual Funds

The downside to mutual funds is that they can carry some high minimum investment requirements, especially for a beginner investor. On average, you can be expected to front a minimum of $2,500 to open a mutual fund. However there are funds that require amounts as little as $1280. Because of this large difference in minimum investment amounts, it helps to shop around before selecting a mutual fund. Typically, lower minimums will work better for younger investors who don’t yet have thousands of dollars to spare. More experienced investors may still want to take advantage of the low minimums to better spread out their investments through multiple funds.

Imposing minimums allows the mutual fund to keep the cash flowing and daily management running. You can sometimes find a mutual fund that offers more investment perks with a higher minimum, although the higher minimum itself isn’t required for all investors. You may also see lower minimums for different types of accounts like IRAs. 401(k) mutual funds do not require a minimum.

Minimums at Common Mutual Fund Companies

  • Vanguard - $3,000
  • Fidelity Investments - $2,500
  • Charles Schwab - $0
  • TD Ameritrade - $0

Should You Invest the Minimum?

A good thing about mutual fund minimums is that the exact amount varies and depends on the fund manager. This means that not every manager will require a high amount. Again, this is when it comes in handy to shop around for investment managers and mutual funds before making your pick. That way, you won’t end up forced to meet a high minimum when you don’t actually have the funds to spare.

If you are able to meet a mutual fund’s minimum and you like the mix of funds you’ll get, then you should invest at least the minimum. Investing more money means you have more assets to allocate and more room for growth. The minimum is certainly a good place to start. If anything, whether you’re a beginner or seasoned investor, you can add more money to the fund as you go along.

What Are Alternatives to Mutual Funds?

No need to worry if you wanted to get started with mutual fund investing, but can’t meet the minimums. You have other options. One such option is working through an online brokerage. These allow you to make your own stock and exchange-traded fund (ETF) trades, which cost about $5 each. Plus, you won’t have to worry about meeting sky-high minimums.

You can also choose to open an account with a robo-advisor. Operating entirely online instead of with an in-person financial advisor, a robo-advisor allows you to set your investment goals and preferences and then forget about it. Plus, most robo-advisors carry low minimums, if there is a minimum at all. For example, neither Betterment nor Wealthsimple require a minimum investment, while Hedgeable requires a mere $1. Keep in mind, though, that not all robo-advisors are so lenient with their minimums. For one, Vanguard’s robo-advisor arm, Vanguard Personal Advisor Services, requires a $50,000 minimum investment. Other robo-advisors impose a more average investment minimum.

There are also newer investment alternatives like Acorns, Stash and Motif. As a robo-advisor, Acorns has no minimum requirement and enables you to invest your spare change. Stash does require a $5 minimum, but it gives you the freedom to invest in causes you care about. Finally, Motif works as both a broker and robo-advisor, offering single stocks for $5 per month and 30-stock bundles (or motifs) for $10 per month. Motif does have a minimum requirement, although at $300, it falls well below the average mutual fund minimum.

The Takeaway

Mutual funds are a great way for almost anyone to get started with investing. The main hurdle though is the minimums that come with mutual funds. While they do start at $500, minimums do tend to run pretty high. This can put many investors off of mutual funds. Luckily, there are a number of alternatives to mutual funds. Plus, you can still find low-minimum funds to start your investing journey.

If you’re overwhelmed by the options or have some questions you need answered, remember you can always turn to a professional for help. A financial advisor can help you figure out how to most effectively invest your money. SmartAsset’s financial advisor matching tool can help you find an advisor to work with who will meet your needs. After you answer a series of questions about your financial situation and goals, the tool will pair you with up to three advisors in your area who suit your needs.s

Tips for Investing on a Budget

  • It’s a common misconception that you have to have tons of money to start investing. However, that couldn’t be further from the truth. Especially with Acorns, Stash and more, investing smaller amounts of money has become more accessible. Plus, these kind of investment services can manage your investments for you at a much lower fee structure than traditional investment advisors.
  • If you’re comparing investing in ETFs vs. mutual funds, each has its pros and cons. For example, mutual funds require you to pay a management company while you can more passively manage your own ETFs. On the other hand, the fees of each ETF you buy can easily add up.

Photo credit: ©iStock.com/Drazen_, ©iStock.com/mapodile, ©iStock.com/honglouwawa

BALIANO: un portafoglio Bilanciato concentrato in settori tematici Difensivi e Anti-Ciclici

Procedo quindi a descrivere un portafoglio Bilanciato (grossomodo 50% obbligazionario ed il 50% di asset ad elevato rischio quali azionari, in particolare tematici e concentrati). Il portafoglio non ha alcuna neutralità al tempo: l’investimento non è progressivo e la presa di beneficio non è concentrata sulla distribuzione. L’investimento è concepito per un orizzonte temporale definito, inizia il 27 dicembre 2018 e dura 42 mesi, fino a fine giugno 2022. Salvo particolari operazioni di capitale (es. la liquidazione di qualche titolo ed il suo de-listing) non è prevista una gestione attiva del capitale.

La simulazione d’investimento è di 100mila euro, 50% in asset obbligazionari (19,15% in bond italiani, tra i più redditizi dell’area euro e con uno spirito di opportunity, maturity non superiore alla durata dell’investimento, 22% in bond ed ETF a replica più o meno sintetica dell’obbligazionario USA, con parziale hedging sull’euro, il 9% in obbligazionario emergente, in parte con un etf hedged sull’euro, ed in parte con un sovranazionale che investa in una delle valute più tartassate nel 2018 del panorama emergente, la Lira Turca), l’altro 50% in asset ad elevata volatilità (20% in settori tradizionalmente market-neutral o decisamente anti-ciclici, quali il private equity ed il real estate, con un 2,65% di investimento in metalli preziosi fisici; il 10% in settori pro-ciclici particolarmente colpiti dall’andamento dei mercati nel 2018: petrolio, azionario britannico, finanziari e azionario europeo; il 20% in settori considerati ‘difensivi’: food&beverage, agricoltura, infrastrutture globali, sanità, farmaceutica, utilities, infrastrutture energetiche).

L’investimento viene realizzato per 58,7% tramite ETF, per il 3,5% tramite commodities ed derivati, per il 27% tramite titoli di stato ed obbligazioni sovrnazionali, per il 1,4% tramite oro fisico e per il restante 12,9% tramite azioni.

PORTAFOGLIO:

L’investimento complessivo è 100161,9. Il monitoraggio dell’investimento ha senso con intervalli non inferiori ai 7 mesi, dato che la durata del portafoglio è di 42 mesi.

P.C. 27/12/2018

What Is a Gold IRA?

You know how important it is to save for retirement (or at least we hope you do!). Whether you put your money into a 401(k), a traditional IRA or a Roth IRA, there are a number of options available to you. One of these options is a gold IRA. If you’re picturing a savings account filled with gold, you’re on the right track. Let’s take a look at what exactly a gold IRA is and how to get one.

What Is a Gold IRA?

With an traditional or Roth IRA (individual retirement account), you stash your savings in the form of stocks, bonds or mutual funds. With a gold IRA, however, you hold literal gold in the form of coins, bullion or bars. You can own other precious metals like silver, platinum and palladium in your gold IRA, as well.

You could also choose to invest in other gold-related options. These include stock in gold mining companies, precious metals mutual funds, precious metals commodity futures or Exchange Traded Funds (ETF).

When it comes to IRA contributions, disbursements and taxes, Gold IRAs follow the same rules and procedures as other IRAs.

How to Get a Gold IRA

Not all gold or other precious metals will qualify to go into an IRA. The metals will have to meet IRS fineness standards. If you have metals that you want to deposit but haven’t been approved, they could be rejected. Some accepted forms are the gold and silver American Eagle and Canadian Maple Leaf coins, the Austrian Philharmonic coin, PAMP Suisse Gold bars, Sunshine Gold and Silver Bars and most platinum bars.

In order to have a gold IRA, you must have a custodian to provide and hold the account for you. This is because the gold will go into an IRS-approved depository and not a regular savings account (or a box under your bed!). You can head to your nearest bank, credit union, trust company or brokerage firm to find an approved custodian for your gold IRA. Of course, you’re going to want a qualified custodian you can trust with your gold, and not just any company.

It helps to look around before committing. Look for companies with a good history of holding gold IRAs. Custodians with a good track record can also help you create a relationship with precious metals dealers. Check out customer reviews to see how each company has performed when it comes to various customers’ needs. Don’t forget to weigh the costs each custodian might charge, since setting up a gold IRA will include various fees.

Checkbook IRA

To avoid going through the process of finding and using a custodian, you could open a checkbook IRA. This option isn’t for everyone, though, since you must have a limited liability corporation (LLC). Your LLC must have a checking account associated with it in order to make transactions.

Through a checkbook IRA, you will be able to hold your precious metals in a safety-deposit box. This means that you will have to monitor your gold IRA yourself, rather than relying on a custodian. Setting up and maintaining a checkbook IRA may cost more than going through a custodian, as well. The costs may reach up to $2,000. You’ll have to decide whether these costs are worth skipping the custodian.

Pros and Cons of a Gold IRA

In addition to the benefits of owning physical gold, a gold IRA also adds diversity to your retirement portfolio. Having gold investments provides some security should your stocks or funds go south. This is because gold reacts oppositely to inflation than stocks and bonds do, and does not depend on the stock market. The opposite will be true, too. When stocks and bonds are performing well, the price of gold might go down. However, it’s good to know that gold will always hold value. So either way your investments will remain balanced.

Besides the upfront costs to establish a gold IRA, there are some other drawbacks. For one, your precious metal coins or bars could be stolen from your depository or safety deposit box. However your precious metals are typically insured up to a certain amount when kept in a custodial depository. This is another reason it’s important to find the best and most trustworthy custodian for your gold IRA.

Another risk of having a gold IRA is the instability surrounding gold mines or companies. Other investors also dislike that gold IRAs don’t pay dividends or interest. Some advisors say that you would be better off with an account that pays dividends.

Bottom Line

A gold IRA could be an excellent way for you to diversify your retirement portfolio. It can protect your savings from plummeting in the event of a stock market crash or inflation. Keep in mind that you will need to do your research before getting a gold IRA. Make sure that a gold IRA is right for you and your retirement future. Then, you can focus on finding the best custodian to keep your gold investments safe and sound.

Photo credit: iStock.com/MachineHeadz, iStock.com/BackyardProduction, iStock.com/inhauscreative

Bad Time at BlackRock -- and Also for Rival ETF Providers

Growing competition in the money-management business is taking a toll on shares of BlackRock Inc., the biggest exchange-traded fund manager, and the company’s rivals. BlackRock, the issuer of iShares ETFs, fell 31 percent from a closing high on Jan. 22 through Wednesday. The retreat sent the shares to their lowest price relative to the S&P 500 Index since December 2012, according to data compiled by Bloomberg. BlackRock’s decline compared with a 45 percent loss for Invesco Ltd., which runs PowerShares ETFs, and a 25 percent slump in State Street Corp., which manages SPDRs. The S&P 500 slid just 0.8 percent, thanks to a recovery from its February lows.

hey this app is pretty neat. since I started in Feb I’ve made like $100. Considering I’ve only invested like $1K, that’s 10% profit

you can use them for your super and you get money back if you shop online with their affiliates 

also double referrals this week, so if you sign up using this link we both get $5 

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