InvestEd 2011: Face-to-Face, Immediacy, Collaboration
February 2011 Webinar: Investing 101 - Essentials Everyone Needs to Know
Index Funds - A Good Way to Invest?
"Good Fences Make Good Neighbors"
San Diego, California, May 13-15, 2011
Marriott Mission Valley Hotel
Why Should YOU Attend InvestEd in San Diego?
Listen. Question. Collaborate. Decide. Act.
"OH WOW!! The instructors are amazing and such an incredible resource. They are our EMTs (Emergency Medical Technicians/Team) - highly trained, skilled, methodical, and efficient - ever ready to resuscitate! My mother attends an annual free show. I relate to her that their presenters have nothing on the InvestEd teachers!! :-)"
- Faith Fessenden, Reno, Nevada
Attendees tell us the InvestEd conference is the national conference of choice. It provides the highest quality investor education, and the sessions are delivered with a sense of warmth, friendliness, individual pride, and community spirit. With expert instructors and five-star educational sessions designed to teach new investors, challenge experienced investors, and build leadership skills, InvestEd 2011 offers education for every investor.
For a sampling of the quality of presentations at the InvestEd conference, view the webinar recordings presented by the same instructors you will enjoy in San Diego. Encourage your friends to register for the free InvestEd monthly newsletter so they, too, will have access to these recordings, in addition to benefiting from the content of the newsletters.
Why spend the time and money to travel to a national conference when no-cost or low-cost online education is available from the comfort of your home? InvestEd far surpasses a solitary sit-at-your-computer online lecture by providing unique opportunities to interact with the finest instructors in the country and informative investor relations representatives from well-known corporations.
At InvestEd, attendees and instructors respond in the moment and resurrect the vanishing art of conversation. We listen, talk, learn, pose questions, answer questions, and share knowledge. We exchange ideas, debate, renew friendships, network, and build mentor/mentee relationships. Seeds sown at InvestEd blossom into lasting and financially rewarding friendships, and we stay connected year round via email and Facebook .
Attendees and instructors from coast-to-coast fraternize at meals and between sessions. Conversations continue in a private nook, in the Computer Lab, in the after-hours Cyber Cafe, and during the cocktail hour.
We learn by discussing all the topics in the air at InvestEd. They may relate to the conference sessions, stock analysis, buying and selling stock, technical analysis, or portfolio management. We seek advice about stock study techniques and investment strategies, inquire about forming and operating an online club, and exchange notes aboutsightseeing before or after the conference.
Early Registration Savings and $25 Rebate Offer
Early registration pricing ends on February 28, 2011, so act quickly! Add to your savings with a discounted guest room rate. Bring a friend or family member to the InvestEd conference, and take advantage of the $25 Rebate .
InvestEd Inc. Free Webinar
Investing 101: Essentials Everyone Needs to Know
Sunday, February 27, 2011, 9 PM -10:30 PM ET/6 PM -7:30 PM PT
Instructor: Bob Adams
Topics: Credit Cards, Debt and Your FICO Credit Score, Investing in Equities, Retirement Accounts
Free Webinar Registration
Explore how to use credit cards in order to avoid the gotchas, and learn about debt and your FICO credit score. Discover the advantages, disadvantages, fees, ease of use, and time required for four types of investment approaches: mutual funds, index funds, Exchange-Traded Funds (ETFs), and individual company stocks. Learn how
to select funds in your company retirement account and compare returns with market averages.
Our Valentine Gift to You and Yours
Share news of Bob's upcoming webinar with your family, friends, and others who are interested in learning about investing and related financial topics. Invite your children and other young people to view this webinar with you, and start a family finance dialog.
Help friends learn how to evaluate their investing choices, as well as obtain pointers about related personal finance issues. Encourage them to attend this webinar, either as a beginning step to take control of their financial life or as a valuable review. Advise them toregister now. Space is limited.
Bob Adams is an InvestEd director and instructor. The sessions he will present at InvestEd 2011 are listed and described on the InvestEd website in Educational Sessions underGeneral Sessions. Bob creates innovative free spreadsheets and identifies useful websites for streamlining stock research. They are available on his website. www.bob-adams.net.
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As a newsletter subscriber, you are first to receive timely announcements about InvestEd Inc. webinar topics and dates. In addition, you have exclusive access to webinar recordings.
Every newsletter issue contains an investor education feature article, a technology segment, and InvestEd conference news. Encourage your investor friends to take advantage of the InvestEd Inc. free monthly newsletter perks. Please send them the subscription link:http://investor-education2011.org/Home/Signup.aspx.
Index Funds - A Good Way to Invest?
By Bob Adams
Some investors have no desire or time to learn to evaluate individual companies. They prefer to spend their time on other activities. Index funds to the rescue! They are suitable for young people wanting to begin investing, as well as for those investing for their retirement.
Index funds are inexpensive to buy and own, grow at about the market average (a good return on average), and are as close to a set-and-forget type of investment as you can find. Another low-cost choice is Exchange-Traded Funds (ETFs). However, since a large number of these funds are available, choosing one sometimes becomes a chore.
Be aware that management fees charged by index funds vary, so ask questions before investing. Below is a list of S&P 500 index funds that all invest in the exact same companies. The costs vary from inexpensive to very expensive. Note the expensive brokerages charge over 2% in management fees while the inexpensive ones charge less than 0.2%. Over 40 years, that difference of 1.8% represents a very large sum of money you won’t get to spend when you start making withdrawals.
What if your retirement investment is through a 401(k) or another type of retirement plan? Normally, it’s no problem. Talk to the administrator of the plan and ask if index funds are available. If not, ask that they be added. Suggest four funds: total market, large size companies, medium size companies, and small size companies.
If the administrator will add only one fund, ask for a total market fund. If large, medium, and small company index funds are available, investing 25% in the large company fund, 50% in the medium company fund, and 25% in the small company fund generally is advisable.
Investing in equities, not bonds, is very important while you are growing a retirement account. Depending on your circumstances, the time to invest in bonds is a few years before retirement.
Five years before retirement, assuming the investment will be used for living expenses, consider moving sufficient money into a “ladder” of five bonds. Plan to have one bond mature in each of the next five years. This will provide a source of income, as well as safety.
Invest in a new five-year bond every year as each bond in the ladder matures. Generally, investors are advised to withdraw no more than 4.5% of the principal each year from a retirement fund. At that rate, you are not likely to run out of money before you run out of time.
A method of determining how much money you will need at retirement, based on a 4.5% withdrawal, is to divide the annual income required by 4.5% (0.045). For example, if you will need $50,000 annually for living expenses, your retirement account will need to equal a little over $1,000,000.
These suggestions make many assumptions that are general in nature and certainly are not for everyone. Individual requirements differ markedly. The purpose of this article is to provide some points to consider when planning your retirement investments.
One more crucial point: stay the course no matter what your investment choice.
A 20-year study ending in 2008 showed the S&P 500 increased in value 8.35%, while the average equity investor’s portfolio grew only 1.87%. Why? Investors panicked during a market correction and sold. They repurchased their investments after the market recovered. That's buying high and selling low - not a good thing to do. Stay invested and you'll do well.
Bob Adams is a director of InvestEd Incorporated and an InvestEd instructor. The sessions he will present at InvestEd 2011 are listed in Educational Sessions under General Sessions. Bob's website has a free spreadsheet to help evaluate and compare mutual funds. www.bob-adams.net.
"Good Fences Make Good Neighbors"
By Ira Smilovitz
Robert Frost certainly wasn’t thinking about the proliferation of icons on computer desktops when he penned those words, but the analogy works. Stardock Software's Fences allows you to arrange your desktop icons in groups according to your own organizational preferences. As one user commented, "It enables my cluttering rather than trying to force me to organize."
Fences creates rectangular regions on your desktop to hold your icons. When you install Fences it automatically creates six default fences: QuickLinks, Recent Things, Programs, Web Links, Folders, and Files & Documents and moves each icon to the fence it thinks most appropriate.
Fences can be created, deleted, resized or moved at will. Right-click on an empty spot on the desktop and drag a rectangle and it becomes a new fence. If a fence isn't large enough to display all of the icons within it, the fence automatically becomes a scrolling window.
Double-click on an unused portion of the desktop and all of the fences disappear and you have a clean desktop. Double-click again and they reappear. Individual icons and fences can be set to be visible at all times. You can save desktop layouts and revert back to them with a few mouse clicks.
Fences runs on Windows XP, Vista (32- and 64-bit), and 7 (32- and 64-bit) and, best of all, the software is free.
Questions? Contact InvestEd
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InvestEd Inc., a 501(c)(3) non-profit corporation, produces the InvestEd conference.