#informed investing

[curiousquill1]

Common Myths About Portfolio Management Services: Separating Fiction from Facts

Portfolio management services, it is important to realize, are one of the essential tools for an investor in achieving his financial goals. However, because these services are not well understood by many investors, many stay away from exploring the associated benefits. The review of myths about portfolio management may make investors more aware before approaching professional investment management. The great complexities of financial markets plus difficulties in objective decision making mean that professional portfolio management services are an excellent guide to investors looking for long-term success.

Understanding Portfolio Management Services

Professional portfolio management is the oversight of investment assets by experts who conduct strategic planning and constant monitoring in order to maximize returns with minimal risk. Such services integrate market expertise with personal financial planning to provide personalized investment strategies. Portfolio managers are dedicated financial professionals who understand both broad market dynamics and individual investor needs, thereby bridging the gap between complex investment opportunities and personal financial goals.

Debunking Portfolio Management Myths

Myth 1: Portfolio Management Services Are Only for the Rich

The average investor thinks portfolio management is something that needs millions in assets. In reality, quite the opposite is true:

Most firms have service tiers that start at relatively modest investment amounts—even $50,000.

Service tiers that reflect different levels of investment are flexible, allowing the investor to start small and work their way up.

Digital platforms make professional management more accessible with automated solutions combined with the expertise of humans.

Many managers specialize in helping novice investors accumulate wealth by making strategic plans as well as sticking to a strict investing schedule.

Services could be tailored depending on some unique financial situation of any individual, so support will forever be commensurate to the wealth of each and every person.

Some institutions offer special programs for youth professionals and first-time investors.

Group investments allow for a professional management of the respective investment at lower minimums.

The fact is, while cost matters, when one looks at the broader picture, the following critical considerations are of importance:

Value-Added Services

Professional market analysis and research from experienced investment teams.

Portfolio rebalancing as often as required to ensure optimal asset allocation.

Tax-efficient investment strategies that optimize after-tax returns.

Risk management expertise for protection against market volatility.

Continuous market monitoring and rebalancing of portfolios.

Access to institutional-grade research and investment opportunities.

Dedicated professional management of investment strategy.

Long-Term Gains

Potentially more risk-adjusted returns under professional management.

Less emotionally driven decision-making during turbulent markets.

Time efficiencies for the investor, so career and family time is prioritized.

Professional risk management in place to prevent significant loss.

Access to institutional-grade investments, which are often out of reach for individual investors.

A systematic approach to achieving long-term goals.

Comprehensive integration with holistic financial planning.

Myth 3: DIY Investing Performs Better

For many investors, the DIY appeal stands to reason, but professional management has its benefits:

Professional Expertise

Market knowledge gained over decades of service.

Research-based decisions from comprehensive analysis.

Sophisticated portfolio analysis tools and technology.

Institutional trading facilities and improved execution prices.

Strategic tax planning and investment.

Professional research databases and resources.

Ability to find and analyze sophisticated investments.

Risk Management

A disciplined investment strategy, whether the market is going up or down.

Periodic portfolio reviews and performance assessment.

Systematic rebalancing to target allocations.

Diversification across many asset classes.

Market risk management with advanced tools.

Adjusts proactively to changing conditions in the market.

Incorporates downside protection strategies.

Actual Value of Portfolio Management Services

Strategic Asset Allocation

Professional investment managers devise a holistic strategy with:

Distribution of asset classes across market segments.

Geographic diversification for global markets.

Sectoral allocation based on economic analysis.

Risk-adjusted return optimization using advanced modeling.

Rebalancing portfolios as needed to maintain target allocations.

Inclusion of alternative investments as necessary.

Dynamic repositioning of portfolios based on market conditions.

Market Research and Analysis

Portfolio managers have access to:

Professional research facilities and databases.

Market trend analysis through advanced tools.

Economic forecasting by expert analysts.

Company-specific research and due diligence.

Industry sector insights and analysis.

Global market outlook, including emerging markets.

Risk Management Expertise

Managers help mitigate risks in investments by:

Systematic risk analysis using advanced tools.

Diversifying portfolios across various dimensions.

Continuous monitoring of market conditions.

Strategic rebalancing to retain the target risk.

Downside protection strategies.

Investment correlation analysis.

Stress testing of portfolios.

Investment Decisions through Expert Management

Benefits of Professional Management

Objective investment decisions supported by research.

Emotional control during market volatility.

Time-tested strategies for long-term success.

Portfolio oversight with regular adjustments.

Risk management practices.

Institutional-quality investments.

Financial planning integration.

Investment Strategy Development

Portfolio managers develop personalized plans based on their clients' needs:

Investment goals.

Risk tolerance and capacity.

Time horizon for various goals.

Income sources and tax positioning.

Estate planning for the future.

Future known commitments.

Adaptations for changing personal circumstances.

The Long-Term Perspective

Beyond investment selection, portfolio management services provide a wide range of support services, including:

Total financial planning.

Retirement planning.

Tax efficiency programs.

Estate planning.

Frequent strategy reviews.

Goal-monitoring progress.

Cash flow management.

Estate planning assistance.

Business Oversight

Intelligent market tracking.

Portfolio rebalancing.

Performance reporting.

Risk analysis.

Strategy updates.

Tax loss harvesting.

Rebalancing implementation.

Next Step

Knowledge of portfolio management services helps enable investors to create an informed financial future. These services come with:

Professional experience and market insights.

Research-based investment methodology.

Risk mitigation through diversification.

Time savings by outsourcing complex tasks.

Reduced anxiety during market volatility.

Access to institutional-level investment opportunities.

Comprehensive alignment with financial planning.

Portfolio management services provide a strategic partnership that helps investors achieve their financial goals. By understanding the true benefits and debunking myths, investors can better evaluate if professional management aligns with their needs and objectives. The value extends beyond investment selection, encompassing comprehensive financial planning and risk management.

Way Ahead

Portfolio management services should be chosen based on personal financial goals, investment time horizon, and desired level of involvement. Professional management combines expertise with a personalized strategy, helping investors navigate complex markets and financial instruments effectively. It represents an investment in long-term financial success, providing access to professional expertise, sophisticated investment strategies, and comprehensive financial planning support.

[honeytonedhottie]

financial literacy⋆.ೃ࿔*:･✍🏽🎀

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

WHAT IS FINANCIAL LITERACY ;

financial literacy is handling ur money wisely. the google definition of financial literacy is the ability to understand and apply different financial skills effectively, including personal financial management, budgeting, and saving.

ALL ABOUT BUDGETING ;

when u hear the word "budget" its rly easy to think "omg limiting belief" or think of it in a negative light but a budget is just a plan on how u manage ur money. its not always constrictive and negative like u may or may not think of it to be.

budgeting : keeping track of how much $ ur bringing in and how much ur spending…💬🎀

planning a budget is ez pz. you can use some paper and sparkly pink gel pens to create an adorable budget, or u can download different sheets online and just have your budget digitally. theres a plethora of resources out there so just choose whichever is easier for u.

something else that i learned about during this course was the 50:30:20 rule. its called the 50:30:20 rule because 50% of ur money goes towards ur needs, 30% goes towards wants and 20% goes towards ur savings. and this isnt concrete, its just a good framework and u can adjust to ur own specific needs and goals.

for example if u manifested $4000. ur 50% would be $2000, ur 30% would be $1200 and ur 20% would be $800…💬🎀

HOW DO U KNOW WHAT UR NEEDS/WANTS ARE ;

things like ur rent and groceries are ur needs and things like vacations and going out with ur girls are wants. and to apply the 50:30:20 rule you first have to...

♡ calculate ur needs, wants and savings budget

♡ compare ur expenses to ur budget

the way u do this is to subtract your expenses from your budget. this is your budget balance. if your budget balance is zero or positive, that means you are living within your means and have some extra money. if your budget balance is negative, that means you are spending more than you should and may have a budgeting problem.

let me know if u guys want more content about this cuz i had a lot of fun writing this…💬🎀

[cent-scratchnsniff]

binah and the line that wouldnt leave my mind for some reason

[corrodedbisexual]

Ok so I finally watched the whole scene in the actual show and I'm confused, is there actual confirmation that there'll be no Tommy for the rest of the season? 'Cos what I saw is just the usual writers' love for as much drama and pain to give their characters as possible and the whole "nooo we can't be together cos you're gonna break my heart" is like the ultimate cliche of #angst with a happy ending #getting back together fics that I thought people eat up

[vaguely-concerned]

I'm guarding my heart against expecting adoribull crumbs in veilguard because I really don't believe it's going to happen. I think that might be one of the sweet slender branches on the possibility tree that they'll gently and quietly prune away from relevancy, especially since it doesn't involve a player character. dorian will almost certainly be back (hey hiii bestie how have you been? stressed out of your mind I imagine), but I can't imagine they'll let you get too granular with setting up your world state, especially since after ten years they will be expecting to have a lot of players who are new to the series. like AT MOST I can imagine a little background detail implying an amicable bittersweet breakup rather than dragging out the long distance and danger of it all as tevinter politics heat up, if you're allowed to set them both as being still alive.

all that being said I still want it so fucking badly tho fhdskjfhas

[dnpbeats]

There is one thing I know for a fact they will never share with us. Like they would rather post a 3 hour video of them making out before sharing. And thats how much they earn and how much they have earned. And If I had one question I could ask them that they had to answer, it wouldn't be "are you married" or anything like that, it would be how much money do you make, and where does that income come from. Because based on the look of the phouse and the price of the clothes they buy, I would not be shocked to find out they are millionaires, but where is that money coming from?? Because surely its not all from video veiws. They have not uploaded consistently enough throughout their career for that imo. And I mean. Yes they are big creators and used to be bigger, but its nothing compared to the numbers of big creators now. They never even broke 10mil subs. Is dragon city seriously paying them that much??? And what about the 5 years where they basically posted nothing and phil did like one 10min video a month. Surely that was not covering mortage costs plus rent of TWO apartments, plus all of dans bougie clothes?? Were they living off of savings from before the haitus??? That brings me back to HOW MUCH WERE THEY MAKING??? This is the phan conspiracy I want them to address.

i also would love to know how much they’re currently making bc im a nosey bitch. but also for sure they are millionaires. like multi-millionaires. think about how much money they were bringing in in their prime (2014-2018). obviously there are their videos, so the adsense money plus any sponsorships. they were getting money from the radio show and also all the other hosting gigs they did for the bbc (those handful of random docs dan did, all the festivals, etc). there was money from their own merch, but also remember that they own irl, so they're getting a cut from other people who were using irl as their merch distributor. then they had the money from tabinof and dapgo. they had the money from tatinof and ii (while we know they lost money on some legs, I'm sure overall it was income gained not lost). also whatever money they got from tatinof + story of tatinof being posted on yt red and then the money from the ii dvd. also other random shit, like they had licensed t-shirts at hot topic (which as a side note is so batshit 😭). also those random two events they did for dapgo (dapgoose 🤩). oh also truth bombs!! also the partnership they had with rize (I want to say they also had one with younow at one point?? but I could be making that up lol). and this is all just stuff off the top of my head, I’m sure there’s more i'm forgetting

and then okay, the hiatus hits, but phil's still making videos, and then dan eventual comes out with ywgttn. (then wad ofc but dan didn't make money on that so 😭 lmao.) but also keep in mind that during this time, they're still getting adsense revenue from anyone rewatching any of their videos, and also like you said im sure they had savings. and on top of all of this, I'm 100000% sure they have investments that we don't know about, because I don't know how they could've not invested any money lmao. like we know they aren't stupid when it comes to business, and investing is something regular ppl do too. so you’d assume for ppl like d&p who are self-employed (and making a shit load of money doing it) they have more investments than most ppl. so like they aren’t mr. beast obviously, but I don’t think dan is losing any sleep over dropping $600 on a shirt

[canisalbus]

Now I must know, what does Machete infodump about? The art of illuminated manuscripts? The current debates around the scripture? Turtlenecks?!

Probably everything he deems worth sharing, things Vasco might perhaps find mildly interesting. He's an avid and omnivorous reader, he wants to understand how the world works and how things connect together. Ancient Greece and Rome are longtime favorite subjects of his. Architecture and arts are close to his heart, both contemporary and historical. He's studied theology, medicine and law, and isn't completely ignorant of natural sciences either.

[darkkbluee]

L for Minister AU

Light Yagami is desperate to know L's name and face. To know everything about his nemesis ("So I can kill him! Ryuk, stop laughing!"). And so, he turns on the TV, sees the promo video for the upcoming elections and thinks...

L would have to show up in person, unmasked and with his real name, if he was an elected Minister.

A few hours of paperwork filed anonymously and through a shady lawyer, a few hours of hacking and anonymous donations, and The Great Detective L is the latest minister candidate, running as an independent.

L does not know how or why he is suddenly running in the elections. Was this even legal? He wasn't even a citizen! Surely no one would vote for a candidate with no public appearances, a profile page with no photo, obviously overblown promises in propaganda -

Apparently, they would.

[ashleyslorens]

sir, the judge had to crawl off stage tonight again at sweeney todd broadway

[whetstonefires]

I think a part of the reason I feel so connected to JGY and XY is that I, too, think everyone is lying about what a good person they are. Sure, there may be a few genuinely good people, but those are in the minority and never claim the title.

I don't know about never; some people are pretty straightforward.

And in some ways the whole point of the concept of 'a good person' is that the feeling of losing the right to consider yourself one can impose instinctive recoil from doing wrong, in situations where you don't have the leisure of working your way through an ethics diagram and choosing the logically moral path before reacting to a situation. It has practical utility.

But that system can backfire pretty horribly too, in a lot of ways. It can be hijacked by definitions of 'good' that actually make you recoil from ethical acts because they're deviant. It can lead to disappearing up your own ass lmao.

And definitely the threshold for 'talking about how you're a good person' enough that it makes you suspect as either a) a liar or b) someone who values that self-image over objective reality and other people's wellbeing is. Not very high.

Jin Guangyao, ironically, is one of those people who's so performatively A Good Person in his public life that in retrospect it looks like a red flag. Which knowing this about himself in an ongoing fashion ofc just reinforces his own cynicism about everyone else lmao.

Even Lan Xichen, who I think he may see as a genuinely good person, he also sees as an easy mark who will reliably choose what is comfortable over what is 'right,' if you just structure the scenario to make that an easy choice that's easy for him to justify.

Xue Yang's bitterness is in many ways more exciting than Jin Guangyao's because he has a way more unusual relationship to reality, but it does share a lot of notes.

The role of deception in his psychology fascinates me because as far as I can tell he's as instinctively straightforward a person as Lan Wangji, albeit along quite different lines involving a total lack of impulse control, but has adopted 'deceit' as a weapon against the wicked world in the same way he has adopted 'murder.'

But when he feels someone is not merely lying but papering over bad behavior with principles they are not living up to he is livid.

People claiming to be better than him because they're 'good' when 'good' is a construct of privilege, is the underlying idea he's not equipped to articulate. Except he takes that and applies it to 'hitting me to interrupt my random murder of some guy who happened to be within arm's reach when I wanted to hurt someone.'

Which isn't like philosophically perfect, but the underlying problem he's actually reacting to is that he understands the social contract as a lie that has never protected him but seeks to control him, while protecting rich men it has no power to control.

Which it is fair to be mad about, but then his feeling is that since that's the nature of the world and all people, he is entitled to amass for himself the power to inflict hurt without consequences as much as he possibly can, and to use it against the vulnerable for fun, and no one is entitled to interfere.

Which brings him to a place where he is violently angry at anyone talking about trying to treat other people well as a value, because either they're a hypocrite and a liar or they threaten his entire system of rationalization for why he can be The Worst and still In The Right.

'Everyone is equally bad, actually' is like, an understandable take for anyone who's had cause to become embittered. Everyone is free to make whatever philosophical peace they can with the world and by and large there's no ethical weight to any such opinion, in itself.

But it's an ideological crutch people tend to wind up leaning on very heavily when they can't or don't want to take responsibility for their own behavior.

Which is an approach that Xue Yang, Jin Guangyao, and Su She all share, and which not only is shitty of them, it...traps them in a wheel of doubling down on their own worst impulses because rather than going 'that was bad and I shouldn't do it again' they've repeatedly invested all this energy into making what they did actually the correct thing, according to their interpretation of the context. Which means they're more likely to do it again.

(I think this is how Jin Guangyao became a serial killer, for example. He followed a doing-a-murder-impulse and then internally doubled down on how he had nothing to be ashamed of, so he was more likely to do it again, every time.

Wei Wuxian's strain of self-righteousness about his revenge was less...thorough than Jin Guangyao's, because he had the benefit of going after people on the opposite side of a war from him while Meng Yao's first known murder plot was against a shitty boss. But it probably didn't help him not try to solve army-shaped problems with mass murder, even after that stopped being allowed.)

If any of them had just like, zero moral sensibilities they would have created very different problems, and very possibly fewer of them. It's making a central goal of your operations 'self-vindication in your own internal narrative, created retroactively via reframing' rather than 'figuring out what I think I should do and trying to do that' that traps them in the self-reinforcing murder pissbaby vortex.

So if you look at it one way, these three villains are themselves perfect examples of how pursuit of the 'feeling of being good' (or at least 'not the bad guy') can make you worse.

Notably Wei Wuxian was also extremely sensitive to hypocrisy in his youth; it was the only part of Madam Yu's behavior he was ever shown objecting to. But he's sufficiently mellow and cynical from regret and burnout by the 'present' timespan after his resurrection to just get disgusted and alienated about it, rather than outraged.

He wasn't even all that mad at Xue Yang, though honestly that may be partly because he stopped entirely characterizing him as a person at some point during their interaction. Like, there's no point being angry at someone whose moral sensibilities operate exclusively on the plane of 'is this unfair to me' for manipulating and destroying people who were good to him, and then getting obsessed with his own self-pity about it. This is not a person who understands how not to be, metaphorically speaking, a cannibal.

And Wei Wuxian did know better and still got roughly the same result, so what business does he have getting angry?

Anyway yeah those two villains are both delightfully relatable if you sit down and put their perspectives together; they are clearly operating with the same basic suite of human needs and emotions as everybody else, without that being in itself particularly exculpatory, which is honestly refreshing. They've just got the most fantastically toxic interpersonal habits that knowing them counts as some level of Suffering A Curse.

Jin Guangyao and Xue Yang do both stand as scathing rebukes of the society that created them. But within the narrative, wherein they're people, the fact is that each of them had agency and one of the things they chose to do with it was develop rationales for why they were the most special little guy and everything was someone else's fault.

And their moral nihilisms, while also grounded in serious trauma, ping me as emotional masturbation of this variety.

[dxxtruction]

Part of me feels like if you enjoy and/or are involved in the fandom of IWTV, knowing how a rather significant part of the show is set in Dubai (a part of the UAE), you should be aware of, and taking action about what's going on in Sudan.

To explain: the UAE has been exploiting Sudan for its resources in gold (mostly), and in many ways actively fueling the war there to get it. Making the UAE a responsible party for the multiple humanitarian crisis happening there; over 6 million displaced peoples, genocidal massacres, extreme sexual violence, etc. - just look into it.

There's been a demand not to travel to the UAE/Dubai for this reason. Luckily, from what I gather they don't film those scenes on location, except for the aerial driving sequence in Season 1 episode 1. This would've also been before the war started in Sudan where this such demand wasn't in place (as far as I'm aware). Which is good for fans as it means enjoyment can just be critical and not reason to turn it off.

Anyway, just something to very much consider.

[sciderman]

You have the astounding ability to make me consider liking things that I previously did not. Cable and Wade. Shiklah and Wade. Johnny and Peter. I’m a stubborn Spideypool obsessor, I’m sure I’ve mentioned, so pat yourself on the head for being SUCH a stan that you’ve broken through my OTP walls and gotten me to glance at other ways for Wade and Peter to he happy and loved.

i think if you truly love a character then you want them to get some no matter where it comes from

[honeytonedhottie]

financial literacy continued⋆.ೃ࿔*:･👛💵

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

HOW TO SAVE MONEY ;

automatically deposit a certain percentage of ur income into ur savings account so that u dont even have to think about it

to do something more FUN tho, (at least in my opinion) is to make a challenge where u have to save every $10 dollar bill, or $20 dollar bill or whatever. just something to make saving money seem like a game if u wanna have some fun with it.

EMERGANCY FUND ;

most experts will tell u that ur emergency fund should be 3-6 months of ur needed expenses. so calculate ur needed expenses and multiply that by 6 to figure out how much you'd need to have in ur emergency fund.

PAYING YOURSELF FIRST ;

you should always put urself first in every single situation including financially. so to pay urself first simply means to put ur future and needs before anything else. FOR EXAMPLE... let's say u wanna buy an ipad by the end of the year, an ipad is $345.

lets also say that u get paid weekly, so you'd divide $345 by the number of weeks in a year (52) you'd get 6.6. so you'd have to save roughly $6-$6.50 a week which isnt a lot at all. and you'd be getting what u want.

INTEREST AND CREDIT ;

interest is like a reward that the bank gives you for trusting them to look after your money. the more money you have in your account, and the longer you keep it there, the more interest you can earn…💬🎀

so the bank calculates interest as a percentage of the total amount in a bank account. so if the bank pays a 1% interest you'll earn $1 for every $100 in ur bank account over the course of a year. so if u have $500 in ur account you'll get $5. its not a lot, but interest builds on itself.

credit is the ability of the consumer to acquire goods or services prior to payment with the faith that the payment will be made in the future…💬🎀

for example missing payment deadlines can negatively affect ur credit score. why is this important? if u wanna go to college and wanna use student loans, u might not be able to if ur credit history is bad. as ur credit history grows you'll get a credit score. the higher ur score, the better ur credit is.

BUILDING CREDIT ;

get a secured card. a secured credit card is a special type of credit card with a down payment. when you open the card, you will give the credit card company a deposit to hold. it can be as little as $100. the company holds the money for you and gives you a credit card with a line of credit equal to your deposit

sign up for victoria's secret direct paper mailers. you'll get a coupon each month for 1 free panty for every purchase. when u go to the mall, get urself a panty and a sweet treat 🧁 (DO NOT PUT ANYTHING ON THE CARD THAT U CANT IMMEDIATELY PAY OFF)

and then go home and pay ur credit card bill off, and then dont use it again until the next month.

[verysharpfish]

*misfolds your prions* have a wonderful day!

I will have a wonderful day! I sure hope I don't start being symptomatic for a degenerative brain disease abnormally young in 10-20 years that leads to my cognitive decline and death and when my body is autopsied they discover misfolded prion proteins in my brain thereby diagnosing me with sporadic creutzfeldt jakob disease!

[door]

in my teens and 20s i read almost exclusively romance novels and i read FAST AS HELL so that’s. a lot of romance novels. i’m not really in that scene any more because i’m older and pickier and the genre and industry have morphed in ways that aren’t really for me, which is fine! but i cannot erase that i have read and reread hundreds of romance novels. this is relevant because i was active when the bridgerton books were coming out, and i read em all. i had the 2 tie-in lady whistledown anthology books, also. i feel a strange sort of contractual obligation to watch the show because of this, so i do.

like a lot of folks, i liked penelope and colin’s book best, and i would have said that i remembered it really well except that there’s a whole ass other regency hero who has become fused with colin in my mind. watching the new season yesterday i was like “why doesn’t he have a limp” when colin appeared and robyn was like “why would he have a limp” and the answer was because he was bitten by a shark on his travels obviously except i reread the book this morning and he wasn’t. notably sharkbite-free, is colin bridgerton. so who was this other man who went traveling and got sharkbit and turned it into a whole b plot in his relationship with his wife. where did my brain unearth him from.

these are the consequences of having shoved hundreds of romance heroes into one fragile mind.

[sforzesco]

caelius sketch because the crassus-cicero tirocinium fori joint custody dynamic has captured my attention

also I've only had him for a day, but caelius Intrigues me