Financial Basics

Getting Organized

Take Control

Build Your Credit

Banking Basics

Taking the Next Steps

Determine Financial Goals

Creating a Budget

Building Your Career

Borrowing Basics

Investing for Your Future

Investing 101

Saving Strategies

Choose the Right Investment

Investing Online


Increase Your Earning Power

Tuning Your Career

Negotiating for Success

Changing Careers

Going Back to School

Starting Your Own Business

Smart Borrowing

Take Control of Your Debt

Paying for Major Purchases

Getting a Loan

Finance an Education

Managing Your Finances

What's Your Net Worth

Managing Daily Finances

Tax-Planning Strategies


Plan for Financial Success

Creating a Financial Plan

Achieving Short-Term Goals

Plan for Long-Term Goals

Retirement Planning Basics

Investing Wisely

Investing Considerations

What's Right for You?

Investing Techniques

Preserving Your Wealth

Reallocating Your Assets

Insurance Options

Wills and Trusts

Plan for Heirs

Gifting to Family & Charity

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Investing Techniques

Various market environments may call for different types of investment techniques. While you may hold one long-term strategy, how you implement that strategy may call for the creative and resourceful management of one or more of the following types of investment tactics.

Allocation Management

  • Fixed asset allocation. Fixed management is more of a long-term commitment to a predetermined asset allocation strategy. In general, whatever percentage of your assets you place in each asset class, you continue to maintain despite what may be happening in the markets.
  • Dynamic asset allocation. Dynamic management is an active approach similar to market timing. Basically, you or your authorized investment representative changes your allocation percentages in reaction to current market conditions. This approach not only frees you to take advantage of strong asset class performance, but can also shield you from prolonged downturns in a particular asset class.

Investment philosophy

  • Growth investing. Buying companies whose earnings and/or share prices are on the rise
  • Value investing. Buying companies selling at a discount to the market and then holding them for the long-term. If the company has solid fundamentals, you need only to wait until the rest of the market realizes its value, and then the stock price will rise.
  • Top-down investing. Evaluating a potential security by first looking at the overall health and well being of a particular sector, industry, or country; then examine the next level to see what specific industries are poised for profits, and then narrow down choices to individual companies.
  • Bottom-up investing. Analyzing individual companies by reviewing financial reports, interviewing managers, customers, suppliers, etc.; then evaluating peripheral factors such as whether the overall industry is poised for success, if other similar sized businesses are taking off, and if the country where the business is headquartered is viable or on the edge of collapse.

Tactical buy & sell moves
You consult a financial or tax advisor before using any of these techniques. They are complicated and quite risky if not implemented carefully as part of your overall investment strategy.

  • Buying on margin. Using money borrowed from a broker/dealer to purchase securities
  • Buying options. The right, but not the obligation, to buy or sell a specific amount of stock at a specified price during a specified period of time. There are two types of options: - Put. A contract to sell stock at a certain price. - Call. A contract to purchase stock at a certain price.
  • Hedging. An investment made in order to reduce the risk of adverse price movements in a security by taking an offsetting position in a related security, such as an option or a short sale
  • Shorting. Borrowing a security from a broker and selling it with the understanding that it must later be bought back (hopefully at a lower price) and returned to the broker
  • Market timing. Investing based on predictions made by examining recent price, volume, or economic data
  • Day trading. The purchase and sale of the same security on the same day
  • Indexing. A passive investment strategy in which a portfolio is designed to mirror the performance of a stock index, such as the S&P 500



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