Saturday, December 7, 2024

TAX KNOWLEDGE - TAX EDUCATION FOR EVERYONE - INCOME TAX FILING STATUS - Earned income tax credit - Child tax credit

TAX KNOWLEDGE - TAX EDUCATION FOR EVERYONE - Tax Brackets Info -

 INCOME TAX FILING STATUS... www.visiononeholding.blogspot.com 
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 TAX KNOWLEDGE - TAX EDUCATION FOR EVERYONE... The five filing statuses are: single, married filing jointly, married filing separately, head of household, and qualifying surviving spouse. --------- 
TAX FILING STATUS - Tax filing status options Filing status www.moneywisers.blogspot.com impacts the calculation of income tax, affects the amount of the standard deduction, and determines allowance or limitation of certain credits and deductions.

 The five filing statuses are: single, married filing jointly, married -filing separately, head of household, and qualifying surviving spouse. 
 KNOWLEDGE FINANCIAL GROUP =/ = KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM 

 Single filing status If on the last day of the year, you are unmarried or legally separated from your spouse under a divorce or separate maintenance decree and you do not qualify for another filing status. www.buyheremarket.blogspot.com 
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 Married Filing Jointly filing status You are married and both you and your spouse agree to file a joint return. (On a joint return, you report your combined income and deduct your combined allowable expenses.) Married Filing Separately filing status You must be married.
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 This method may benefit you if you want to be responsible only for your own tax or if this method results in less tax than a joint return. If you and your spouse do not agree to file a joint return, you may have to use this filing status. www.visiononecapital.blogspot.com

 Head of Household filing status You must meet the following requirements: 

1. You are unmarried or considered unmarried on the last day of the year.
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 2. You paid more than half the cost of keeping up a home for the year. 
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3. A qualifying person lived with you in the home for more than half the year (except temporary absences, such as school). However, your dependent parent does not have to live with you. 
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 Qualifying Surviving Spouse filing status You may be eligible to use qualifying surviving spouse as your filing status for two years following the year of death of your spouse.

 This filing status entitles you to use joint return tax rates and the highest standard deduction amount (if you do not itemize deductions). This status does not entitle you to file a joint return. www.femkonsa.blogspot.com
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 Tax filing status meaning — and why it’s important... Your filing status may be more important than you think! In fact, it determines: If you’re required to file a federal tax return If you should file a return to receive a refund Your standard deduction amount If you can claim certain tax credits The amount of tax you owe 
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Tax return status determines how you’re taxed You may have heard about tax brackets or tables when it comes to income taxes. These tables show how taxes are applied based on your filing status. www.knowledgefinancial.blogspot.com
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 Different types of income taxes The Basic Types Of Taxes ... Corporate Income Taxes A corporate income tax (CIT) is levied by federal and state governments on business profits, which are revenues (what a business makes in sales) minus costs (the cost of doing business). ------- 
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Payroll Taxes
Payroll taxes are taxes paid on the wages and salaries of employees to finance social insurance programs. Most taxpayers will be familiar with payroll taxes from looking at their paystub at the end of each pay period, where the amount of payroll tax withheld by their employer from their income is clearly listed.
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 The individual income tax (or personal income tax) is a tax levied on the wages, salaries, dividends, interest, and other income a person earns throughout the year, generally imposed by the state in which the income is earned.
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 Self-employment tax Self-employment tax (SE tax) is a Social Security and Medicare tax primarily for individuals who work for themselves. Your payments of SE tax contribute to your coverage under the Social Security system.
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 Employment taxes When you have employees, you as the employer have certain employment tax responsibilities that you must pay and forms you must file. Employment taxes include the following: Social Security and Medicare taxes Federal income tax withholding Federal unemployment (FUTA) tax For additional information, refer to Employment taxes for small businesses. 
KNOWLEDGE FINANCIAL GROUP AND WEALTH MANAGEMENT -
 WWW.KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM
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 Excise tax 
This section describes the excise taxes you may have to pay and the forms you have to file if you do any of the following. Manufacture or sell certain products. Operate certain kinds of businesses. Use various kinds of equipment, facilities, or products. Receive payment for certain services. 
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 Business taxes 
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 Types of Income the IRS Doesn't Tax It may feel like the IRS taxes most of your hard-earned money, but some types of income are nontaxable
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 Life insurance proceeds
Life insurance policy proceeds received by a beneficiary after the policyholder's death are generally tax-free.

 However, interest earned on the proceeds may be taxable, and tax rules can get complex if the policyholder surrenders the policy for cash.

 Also, if you take a life insurance policy loan, the loan generally isn't taxable as long as the policy remains in force and the loan amount doesn't exceed the amount of policy premiums paid.
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 Are annuities taxable? 
Different types of annuities are subject to different tax treatments.

 Generally, you pay taxes on annuities only once you start receiving payments or withdrawing funds. 

For example, earnings from non-qualified annuities are taxed upon withdrawal, while the contributions from after-tax dollars are not taxed.
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 For more information: 
Is An Annuity a Good Investment? 
Tax Pros and Cons. Annuities are complex, so it's a good idea to seek advice from a trusted professional if you need clarification on your tax exposure. 
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 Long-term care insurance income Payments received from long-term care insurance policies are usually not subject to tax. ------ www.visiononecapital.blogspot.com 
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 Roth account income Qualified distributions (., from a Roth account at least five years old since you first contributed and when you are 59½ years or older) are tax-exempt.

 The IRS now allows you to make regular contributions to your Roth IRA at any age. Plus, you can leave any amount in your Roth IRA for as long as you live.
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 Alimony and child support If you receive alimony or maintenance payments as part of a separation or divorce agreement made on or after January 1, 2019, those payments are not taxable. 
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 Financial gifts
Financial gifts are a well-known category of non-taxable income. That's due in part to the generous annual federal gift tax limit. WWW.VISIONONECAPITAL.BLOGSPOT.COM
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 Inheritances
The IRS doesn't consider inheritances to be taxable income. That includes inheritances of cash, property, etc.
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 Disability benefits Disability and worker's compensation 
payments are generally nontaxable. Supplemental Security Income payments are also tax-exempt.
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 Disability compensation or pension payments from the Department of Veterans Affairs to U.S. military Veterans are tax-free as well. 
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Municipal bond interest Government-issued bond interest is mostly tax-exempt, but some muni interest may be taxable at federal and state levels. For example, U.S. Treasury securities are taxable at the federal level. 
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Corporate bond interest is taxable at both the federal and state levels.
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 Earned income in states with no income tax If you live in one of the nine states without personal income tax — Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming — you won't be taxed on your earned income at the state level.
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 Taxable Income:
What It Is and How to Calculate It It's important to know which income is taxable to file accurate returns and reduce overall tax liability.
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What is taxable income?
 Taxable income is the part of your gross income (the total income you receive) that is subject to federal tax. 
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Taxable income and gross income differ for several reasons. ------ 
First, not all income is taxable. Additionally, tax deductions and credits can lower the amount of your income that is subject to tax. So, your federal taxable income is essentially your federal adjusted gross income (AGI) minus any tax deductions you claim.
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 (More on that below.) As mentioned, taxable income can include earned income (i.e., money received as pay for work performed) and unearned income (e.g., taxable interest, capital gains, dividends, etc.). Here are other examples of income that is taxable at the federal level. WWW.VISIONGAS.BLOGSPOT.COM 
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 Commissions and bonuses Royalties Business income Interest and dividend income Canceled debts (with some exceptions) Lottery winnings
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 Ways to lower your taxable income The best way to lower your taxable income is to take advantage of all the tax deductions and credits you qualify for. 

Common but often overlooked tax deductions include charitable contributions and donations, student loan interest paid, and in some cases, unreimbursed medical expenses. 
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 However, not everyone is eligible for every tax deduction or tax credit. A trusted tax professional can help ensure you don’t miss out on tax breaks you qualify for. A professional may also be able to formulate a tax strategy that aligns with your financial goals. 
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 Fruital Investment Group And Wealth Management - How to Calculate Your Adjusted Gross Income — and What It Means Your eligibility for certain money-saving tax breaks depends on your adjusted gross income. 
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 When it’s time to calculate your tax bill, knowing your adjusted gross income (AGI) is a crucial first step. If you file your tax return online (or have your tax preparer do it), you’ll need your AGI from the previous tax year to prove your identity to the IRS. In addition, your AGI determines your eligibility for a range of tax breaks that could lower your tax bill.
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 Calculate adjusted gross income
Your adjusted gross income is made up of income from various sources, including your wages, self-employment income, interest from bank accounts, capital gains, dividends, rental income and retirement plan distributions, minus adjustments, including interest on student loan payments as well as contributions to traditional IRAs and 401(k)s and health savings accounts.
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 You can find your AGI on line 11 of your 1040 tax form. Several money-saving tax credits, including the child and dependent care credit, as well as credits for older adults and those who are permanently disabled, are available to taxpayers whose AGI falls within certain thresholds. 
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Your modified adjusted gross income, discussed below, is also tied to a range of tax breaks. For that reason, taking steps to keep your AGI below those limits could benefit you, now and in the future. WWW.LINKEDIN.COM/IN/VISIONGAS
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FEMKONSA CAPITAL INVESTMENT - FACEBOOK.COM/FEMKONSA
 Federal income tax rates and brackets...

 Tax brackets: 2024-2025 Federal Income Tax Brackets and Rates for Single Filers, Married Couples Filing Jointly, and Heads of Households CSV Excel PDF Print Tax Rate For Single Filers For Married Individuals Filing Joint Returns For Heads of Households 

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 2024-2025 Federal Income Tax Brackets and Rates In 2025, the income limits for all tax brackets and all filers will be adjusted for inflation and will be as follows (Table 1). The federal income tax has seven tax rates in 2025: 10 percent, 12 percent, 22 percent, 24 percent, 32 percent, 35 percent, and 37 percent. ============== 
 STANDARD DEDUCTION FOR 2024-2025... For single taxpayers and married individuals filing separately for tax year 2025, the standard deduction rises to $15,000 for 2025, an increase of $400 from 2024.

 For married couples filing jointly, the standard deduction rises to $30,000, an increase of $800 from tax year 2024.
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VISIONAIRE BUSINESS CENTER - WWW.VISIONAIREBIZ.BLOGSPOT.COM
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 Earned income tax credit for 2024-2025
 A tax credit for low- to middle-income individuals and families — the earned income tax credit, or EITC — will have higher maximum amounts in 2025.
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 The earned income tax credit helps qualifying individuals and families reduce the amount of tax they owe, while also potentially providing a refund, according to the IRS. In 2025, the maximum EITC amount will be $8,046 for qualifying taxpayers with three or more eligible children. 

That is up from $7,830 for tax year 2024. The maximum amount available for qualifying taxpayers with two eligible children will be $7,152, up from $6,960 in 2024; one qualifying child, $4,328, compared with $4,213 in 2024; and no qualifying children, $649, up from $632 in 2024.
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 Child tax credit for 2024-2025 
The refundable portion of the child tax credit — a tax break parents can take for qualifying children — will be $1,700 for 2025, which is unchanged from 2024. That figure represents how much families may claim even with zero tax balance on their tax returns.
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 The maximum child tax credit of $2,000 per child under 17 is available to parents with up to $400,000 in modified adjusted gross income if they are married and filing jointly, or under $200,000 if they are single. Those figures are also unchanged from 2024. 
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Tax Tip: Your tax “to-do” List: important tax dates for 2024-2025...

 January 29 – Tax filing season begins January 31 – Due date for employers to provide annual income information (e.g., Forms W-2 or 1099) 
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 February 15 – Deadline to file form W-4 to maintain exemption for tax withholding March 15 – Partnerships and S corporations file 2023 calendar year returns
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 April 15 – Individual taxes due, or request for extension of time to file April 15 – 
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First estimated tax of 2024 due April 15 –
 Last day to make contributions to health savings accounts and individual retirement accounts for 2023 April 17 –
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 Individual taxes due for residents of Maine and Massachusetts due to state holidays June 17 –
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 Individual taxes due for citizens and resident aliens living and working outside the U.S. June 17 –
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 Second quarter estimated taxes due September 16 – 
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Third quarter estimated taxes due October 15 – Tax due date for individuals who filed for an extension 
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 December 31 – Deadline for Required Minimum Distributions for retirement accounts 
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 January 15, 2025 – Final estimated tax payment of 2024 due WWW.TWITTER.COM/FINANCIALSCHOOL 
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Tax Brackets 2024: Your Comprehensive Guide... BUYHEREMARKET.BLOGSPOT.COM

federal income tax brackets

Rate

Single

Married filing jointly and qualifying surviving spouses

Married filing separately

Head of household

10%

$0 to $11,600

$0 to $23,200

$0 to $11,600

$0 to $16,550

12%

$11,601 to $47,150

$23,201 to $94,300

$11,601 to $47,150

$16,551 to $63,100

22%

$47,151 to $100,525

$94,301 to $201,050

$47,151 to $100,525

$63,101 to $100,500

24%

$100,526 to $191,950

$201,051 to $383,900

$100,526 to $191,950

$100,501 to $191,950

32%

$191,951 to $243,725

$383,901 to $487,450

$191,951 to $243,725

$191,951 to $243,700

35%

$243,726 to $609,350

$487,451 to $731,200

$243,726 to $365,600

$243,701 to $609,350

37%

$609,351 and over

$731,201 and over

$365,601 and over

$609,351 and over

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Tax brackets on your tax liability = ATTENTION, ATTENTION: TWITTER.COM/FINANCIALSCHOOL

If your marginal tax rate doesn't tell you how much tax you'll actually pay, why do you even need to know what it is? For one thing, it's because you can only determine your effective tax rate by calculating total tax liability.

Likewise, understanding which bracket you're in helps you understand how changes in your earnings will affect your overall tax burden, says Sri Reddy, senior vice president of retirement and income solutions at Principal Financial Group.

Knowing your marginal tax bracket can also influence how you approach the available deductions, such as if you choose to use the standard deduction or itemize, Reddy says.

Your marginal tax rate can also inform your other financial decisions.

"We often find clients will calculate the amount to convert to Roth, how to contribute to a retirement plan, when to sell or hold long-term capital gains, and potentially how much to give to charity based on their tax bracket," says David Elder, wealth manager and partner at Merit Financial Advisors.

If you're in a higher tax bracket, you may want to prioritize pre-tax savings such as those in a traditional IRA or 401(k) to reduce your current tax bill. Meanwhile, someone in a lower tax bracket may use the opportunity to fund a Roth IRA, which doesn't qualify for a current tax deduction but can generate tax-free income in retirement.

Understanding your marginal tax bracket is particularly important for retirees and pre-retirees. "If you have accounts that are pre-tax and will require minimum distributions upon reaching age 72, you may not want to wait that long if you're in a lower tax bracket," says Neel Shah, a certified financial planner and estate planning attorney at Omni 360 Advisors. 

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 Medicare Tax: Five Things Every Worker Needs to Know ... VISIONONEHOLDING.BLOGSPOT.COM
It is important to know how Medicare tax works since it's taken from your paycheck.
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 What is Medicare tax? Knowing how tax dollars are allocated to fund parts of the Medicare program can help you understand your Medicare tax liability. 
 --------------- --------------- 
 Get The Right Information on insurance; auto, home, life and health insurance at Knowledge Financial Group - www.knowledgefinancialgroup.blogspot.com 
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1. Who has to pay Medicare tax? Employed U.S. workers, including non-citizens, are required to pay Medicare tax. WWW.FEMKONSA.BLOGSPOT.COM 

 These deductions from your paycheck are mandatory. The employer and the employee each contribute to Medicare taxes. (More on that below.)
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 2. Medicare tax rate The Medicare tax rate is another thing you need to know. It’s 2.9% of earned income and wages. 
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 As a W-2 employee, you pay half of that tax (1.45%), and your employer pays the other half, 1.45%. Medicare taxes are not subject to an income cap, unlike Social Security taxes, which are also automatically deducted from your paycheck. Social Security taxes have a wage base limit adjusted for inflation. 
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That means the Social Security tax does not apply to income above that limit. With Medicare tax, since there is no income limit, all your earned income and wages are subject to Medicare tax. 
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 3. Additional Medicare tax for high-earners While the standard Medicare tax rate applies to most individuals, high-income earners may be subject to Medicare surtaxes, including the Additional Medicare Tax and Net Investment Income Tax. 
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 The “Additional Medicare Tax” is 0.9% and applies to earned income exceeding certain thresholds. For 2024, individuals with earned income over $200,000 ($250,000 for married couples filing jointly) may be subject to the additional Medicare tax. Note:
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 Employers don’t have to pay a matching .9% with the additional Medicare tax. What about the net investment income tax (NIIT)? NIIT is another surtax on high earners to raise revenue. This is separate from the additional Medicare tax.
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 The Net investment income tax of 3.8% typically applies to income from investments such as capital gains, dividends, royalties, rent, and interest. 

The tax amount is based on your filing status and income. Similar to the additional Medicare tax, there is no employer-paid portion of NIIT. 
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FRUITAL INVESTMENT GROUP AND WEALTH MANAGEMENT - FRUITALINVESTMENT.BLOGSPOT.COM 

 In any case, high-income earners should be aware of additional Medicare tax liability and plan accordingly. 
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 4. Self-employed have to pay Medicare tax Self-employed individuals must pay the total 2.9% Medicare tax rate and any additional Medicare tax if they are high earners.
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 The Self-Employed Contributions Act (SECA) requires self-employed people to pay taxes on their net earnings. VISIONAIRE BUSINESS CENTER - WWW.VISIONAIREBIZ.BLOGSPOT.COM
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 Self-employment taxes are typically calculated on net self-employment earnings and reported on the individual's federal income tax return. 
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 The self-employment tax rate is 15.3% (12.4% for Social Security and 2.9% for Medicare).

 For 2024, the first 168,600 of self-employment income is subject to Social Security tax since there is an income limit for Social Security tax. 
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 That’s up about 5% from the $160,200 Social Security wage base limit in 2023. 
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However, income tax deductions can help lower your tax burden. You can deduct half of your Social Security tax on your federal return, but not as an itemized deduction.
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 Your net earnings are reduced by half the amount of your total Social Security tax. If you are self-employed with at least $400 in net earnings during the year, you should factor in Medicare taxes (along with relevant deductions) when planning your tax obligations. Knowledge Financial Group - www.knowledgefinancial.blogspot.com
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 5. Medicare Part A enrollment is automatic Most people become eligible for Medicare benefits at age 65. Part A (hospital insurance) enrollment is automatic when you turn 65.
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 Some get Part B (medical insurance) automatically, while others sign up for it if they want it. Generally, if you or a spouse paid Medicare taxes for at least ten years, you may qualify for premium-free Part A.
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 It's important to understand your eligibility for Medicare benefits based on your work history and tax contributions and know various enrollment deadlines. Keep in mind that, as Kiplinger has reported, there are several expenses Medicare doesn’t cover. WWW.TWITTER.COM/FRUITALBIZ --------

 WWW.TWITTER.COM/BUYHEREMARKETON
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 Knowledge Financial group - www.linkedin.com/in/knowledgefinancial
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 WWW.LINKEDIN.COM/BUYHEREMARKET 
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 VISIONONE HOLDING COMPANY - WWW.FACEBOOK.COM/VISIONONEHOLDING -------- Easy-to-use tools and resources Our financial tools, calculators and screeners are designed to help you improve your financial wellbeing and make long-term investment decisions with more confidence. WWW.VISIONONEHOLDING.BLOGSPOT.COM 
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 Education and planning resources at: Knowledge Financial group - www.linkedin.com/in/knowledgefinancial

 Whether you're a beginning or advanced investor, we'll help you be a more informed investor. 

 And our life stage planning resources spell out key steps to help you pursue important goals, like managing debt, paying for college and retirement planning. WWW.TWITTER.COM/FINANCIALSCHOOL
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 Get The Right Information on insurance; auto, home, life and health insurance at: Knowledge Financial Group - youtube.com/user/knowledgefinancial
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 Increase your knowledge in finance and investing @ Fruital Investment Group - And Visionone Holding Company - Also At: Visionone Capital Management. YOUTUBE.COM/USER/KNOWLEDGEFINANCIAL 
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 Good news: ETFs let you zag when the market zigs. International ETFs...

 Don’t like what you see at home? International ETFs give you access to more opportunities. MONEYWISERS.BLOGSPOT.COM

 Index funds help people purchase a larger part of the market instead of stocks in one or two companies. KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM

 Index funds give you diversified access to all the companies you know and love. LINKEDIN.COM/IN/KNOWLEDGEFINANCIAL 
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 Maximize your tax return with the help of: Buyheremarket Enterprise - And Visionaire Business Center. 

 Save more - Spend Less and invest part of your hard earned money to secure a better tomorrow. TWITTER.COM/FINANCIALSHOOL 
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 2020, Invest in Something, or invest more in something, somehow, somewhere... You have big dreams. Knowledge Financial Group gives you access to quality investment information to help you achieve them. Let’s tackle the markets together. FACEBOOK.COM/KNOWLEDGEFINANCIALGROUP --------------
 Bond ETFs Put your money to work seeking income and share less with Uncle Sam with our tax-efficient, low cost bonds. KNOWLEDGE FINANCIAL GROUP - TWITTER.COM/BUYHEREMARKETON
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 MILLIONAIRES BETWEEN US.. You Too Can Become a Millionaires with Index Funds Investment And Real Estate. FEMKONSA.BLOGSPOT.COM Index fund is to match the market, while mutual fund is to beat the market. https://youtu.be/OkLnSP4F1iQ?t=7

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 Choose your brokerage firm wisely for index fund, mutual fund, and or exchange traded fund. {ETF's} Index fund suppose to be low cost, less fees. Use your brokerage account well in order to maximize your gains, reducing risks, and minimize your loss. FACEBOOK.COM/BUYHEREMARKETENTERPRISE
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 Mutual fund investing and investment ideas... Mutual Funds Fees: What Investors Need To Know... FACEBOOK.COM/BUYHEREMARKET

 Actively Managed Mutual Fund, or Passively Managed fund which one is better? Become a better investor with investing ideas from WWW.MONEYWISERS.BLOGSPOT.COM
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 ''This information is intended to be educational and is not tailored to the investment needs of any specific investor'' {Investing involves risk, including risk of loss.} NOTE: Diversification and asset allocation do not ensure a profit or guarantee against loss... 
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 Some times a switch is needed from a passive, buy-and-hold investment-management strategy to an active one. When a bear market occurs, it requires the kind of rigorous research and expert portfolio construction that active managers can provide. It takes some skill to manage risk and find opportunities during a correction. A passive approach may not be enough to help you reach your goals.
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 Many investors use mutual funds to help pick stock winners and minimize risk. But be warned - the costs and fees,Commission, Operating Costs, Transactional Costs, Adviser Fee associated with actively managed mutual funds can easily offset the benefits those funds can provide.. 

 Some of those fees are covered in a mutual fund's expense ratio, and most investors know to check that number in the fund's prospectus. Now the big question is: how can you avoid these fees and become more efficient?
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 VISIONONE HOLDING COMPANY, AND FEMKONSA CAPITAL INVESTMENT HAVE ADVICE: The foundations of investing Focus on building an investment plan that you can stick with day in and day out. 
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 Create a tailored investment plan - In order to determine whether you’re on track to meet your savings goals, you first have to define those goals. 

 Your goals may include accumulating enough savings to comfortably last through retirement, saving up to buy a dream home, or building a lasting financial legacy.

 Defining your goals will make it easier to measure both where you stand today and where you stand relative to the future you envision. FACEBOOK.COM/VISIONAIREBIZ 
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 Invest at the right level of risk - Knowing what you’re saving for and how long you have to invest for that goal will help you determine an appropriate level of risk for your investments.

 While all investments carry some level of risk, finding the right mix of equities, bonds, funds, real estate, commodities, and short-term investments that makes the most sense for you.. Generally speaking, the more risk you’re willing to tolerate, the larger gains—and steeper losses—you can reasonably expect. VISIONAIREBIZ.BLOGSPOT.COM 
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 Increase your knowledge in finance and investing @ Fruital Investment Group - And Visionone Holding Company - Also At: Visionone Capital Management. YOUTUBE.COM/USER/KNOWLEDGEFINANCIAL
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 Good news: ETFs let you zag when the market zigs. International ETFs... Don’t like what you see at home? International ETFs give you access to more opportunities.
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 MONEYWISERS.BLOGSPOT.COM Index funds help people purchase a larger part of the market instead of stocks in one or two companies. KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM 
------
 Index funds give you diversified access to all the companies you know and love. 
LINKEDIN.COM/IN/KNOWLEDGEFINANCIAL 
 ---------
 Maximize your tax return with the help of: Buyheremarket Enterprise - And Visionaire Business Center. Save more - Spend Less and invest part of your hard earned money to secure a better tomorrow. TWITTER.COM/FINANCIALSHOOL
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 2020, Invest in Something, or invest more in something, somehow, somewhere... You have big dreams. Knowledge Financial Group gives you access to quality investment information to help you achieve them. Let’s tackle the markets together. FACEBOOK.COM/KNOWLEDGEFINANCIALGROUP --------------
 Bond ETFs Put your money to work seeking income and share less with Uncle Sam with our tax-efficient, low cost bonds. KNOWLEDGE FINANCIAL GROUP - TWITTER.COM/BUYHEREMARKETON 
 ------------------------------
 MILLIONAIRES BETWEEN US.. You Too Can Become a Millionaires with Index Funds Investment And Real Estate. FEMKONSA.BLOGSPOT.COM 
--------
 Index fund is to match the market, while mutual fund is to beat the market. https://youtu.be/OkLnSP4F1iQ?t=7
 ------- 
 Choose your brokerage firm wisely for index fund, mutual fund, and or exchange traded fund. {ETF's} Index fund suppose to be low cost, less fees.

 Use your brokerage account well in order to maximize your gains, reducing risks, and minimize your loss. FACEBOOK.COM/BUYHEREMARKETENTERPRISE -
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 Mutual fund investing and investment ideas... Mutual Funds Fees: What Investors Need To Know... FACEBOOK.COM/BUYHEREMARKET

 Actively Managed Mutual Fund, or Passively Managed fund which one is better? Become a better investor with investing ideas from WWW.MONEYWISERS.BLOGSPOT.COM -
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 Managing your own investments can be a challenge. However, the process of investing can be made easier by adopting a consistent, repeatable strategy that you stick to no matter what happens in the markets.
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 You have options to manage your investments. You can do it yourself, including taking the time to research investment options and make choices about what to buy and when to buy it. Another option is to outsource the management of your plan to a professional.
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 Doing so may help provide that extra level of discipline that inspires you to stick to your plan. If you do choose to manage your own portfolio, you will need to: FACEBOOK.COM/FEMKONSA 
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 Research—Evaluate different investment options to find products that fit your asset allocation strategy. Select investments—Choose what to buy and when. Monitor—Evaluate your investments periodically for changes in strategy, relative performance, and risk.
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 Rebalance—Revisit your investment mix to maintain the risk level you are comfortable with. Manage taxes—Decide how to implement tax-loss harvesting, tax-savvy withdrawals, and asset location strategies to manage taxes. 
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 The process of creating a plan, choosing investments, and managing your portfolio is a complex one—but it's worth it. "Once you have a plan you feel confident in, you'll be better positioned to weather the ups and downs of the market," TWITTER.COM/BUYHEREMARKETON
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 Research shows that investors who stick with a disciplined long-term investing strategy tend to outperform those who constantly jump in and out of the market.
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 Put emotions away. "When you make an emotional decision, it might feel satisfying in the moment, but you may be sacrificing your long-term goals. So how can you manage the negative impact of emotional decision-making on your portfolio? Creating a disciplined investment plan that suits your individual goals, risk tolerance, and life situation. TWITTER.COM/FINANCIALSCHOOL 
 ---------- 
 MONEY WISERS GROUP - BUYHEREMARKET ENTERPRISE - KNOWLEDGE FINANCIAL GROUP 
we're not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. 
-------
 Tax laws and regulations are complex and subject to change, which can materially impact investment results. We cannot guarantee that the information herein is accurate, complete, or timel = BUYHEREMARKET.BLOGSPOT.COM
 -------- 
 We AT: FRUITAL INVESTMENT GROUP, 
 WE WANT TO SAY: Generally, among asset classes stocks are more volatile than bonds or short-term instruments and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments.
------
 Although the bond market is also volatile, lower-quality debt securities including leveraged loans generally offer higher yields compared to investment grade securities, but also involve greater risk of default or price changes. 
-------
 Foreign markets can be more volatile than U.S. markets due to increased risks of adverse issuer, political, market or economic developments. FACEBOOK.COM/FINANCIALSCHOOL 
 --------------- ATTENTION, ATTENTION: TWITTER.COM/FINANCIALSCHOOL 
 Manage your plan.-

Monday, February 28, 2022

Mutual Fund - Index Funds - Exchange Traded Funds - Balanced Funds - Income Funds - Equity Funds - Venture Capital - Private Equity Fund.

Financial Literacy -  Financial Knowledge At: KNOWLEDGE FINANCIAL GROUP - KNOWLEDGEFINANCIALGROUP.COM

LEARN WHAT YOU WANT, WHEN YOU WANT. 


 Mutual Fund - Index Funds -  Exchange Traded Funds - Balanced Funds - Income Funds - Equity Funds - Venture Capital - Private Equity Fund.

  • SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE. HOW DOES
    SOCIAL SECURITY WORK? 
    https://www.knowledgefinancialgroup.com/RETIREMENT.html

  • What Are Self-Directed IRAs? How Self-Directed IRAs Let you
    Invest in Almost Anything? 
    https://knowledgefinancialgroup.com/FRAGRANCES

  •  IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter? https://www.knowledgefinancialgroup.com/IRA

  • Retirement Planning Guide = Retirement can be a time to explore new possibilities or to slow down and fully enjoy the life. https://www.knowledgefinancialgroup.com/retirementplanning.html

  • ----- 


    WHAT ARE 401K,  ROTH 401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN.

    What is a SEP IRA? What is a SIMPLE IRA? 
    https://www.knowledgefinancialgroup.com/PENSION-PLANS.html
  • THE ULTIMATE RETIREMENT GUIDE; HOW TO RETIRE EARLY AND RETIRE REACH.

  • ------------

    Mutual Fund:  A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, money market instruments, and other assets like short-term debt. The combined holdings of the mutual fund are known as its portfolio. 


    Mutual funds are operated by professional money managers. The price of a mutual fund share is referred to as the net asset value (NAV) per share, sometimes expressed as NAVPS.
    There is a fund for nearly every type of investor or investment approach. 
    ------------
    Types of Mutual Funds: - types of mutual funds include money market funds, sector funds, alternative funds, smart-beta funds, target-date funds, and even funds of funds, or mutual funds that buy shares of other mutual funds.
    -------------
    Fixed-Income Funds: Another big group is the fixed income category. A fixed-income mutual fund focuses on investments that pay a set rate of return, such as government bonds, corporate bonds, or other debt instruments. 
    -----------
    Equity Funds: The largest category is that of equity or stock funds. As the name implies, this sort of fund invests principally in stocks. --------The term value fund refers to a style of investing that looks for high-quality, low-growth companies 

    there are also growth funds, which look to companies that have had (and are expected to have) strong growth in earnings, sales, and cash flows. 
    -----------
    The size of the companies that a mutual fund invests in. Large-cap companies have high market capitalizations, with values over $10 billion. Market cap is derived by multiplying the share price by the number of shares outstanding.

    Large-cap stocks are typically blue chip firms that are often recognizable by name.
    -------------- 
    Small-cap stocks refer to those stocks with a market cap ranging from $300 million to $2 billion. These smaller companies tend to be newer, riskier investments. Mid-cap stocks fill in the gap between small- and large-cap.
    -------------
    Index Funds: Another group, which has become extremely popular in the last few years, falls under the moniker "index funds." Their investment strategy is based on the belief that it is very hard, and often expensive, to try to beat the market consistently. 

    So, the index fund manager buys stocks that correspond with a major market index such as the S&P 500 or the Dow Jones Industrial Average (DJIA).
    -------------
    Exchange Traded Funds (ETFs: ) A twist on the mutual fund is the exchange traded fund (ETF). These ever more popular investment vehicles pool investments and employ strategies consistent with mutual funds, but they are structured as investment trusts that are traded on stock exchanges and have the added benefits of the features of stocks. For example, ETFs can be bought and sold at any point throughout the trading day. 
    ------------
    Balanced Funds: Balanced funds invest in a hybrid of asset classes, whether stocks, bonds, money market instruments, or alternative investments.
    The objective is to reduce the risk of exposure across asset classes.This kind of fund is also known as an asset allocation fund.
    ----------

    Money Market Funds: The money market consists of safe (risk-free), short-term debt instruments, mostly government Treasury bills. This is a safe place to park your money.

    You won't get substantial returns, but you won't have to worry about losing your principal.
    A typical return is a little more than the amount you would earn in a regular checking or savings account.
    --------------
    Income Funds: Income funds are named for their purpose: to provide current income on a steady basis. These funds invest primarily in government and high-quality corporate debt, holding these bonds until maturity in order to provide interest streams.
    While fund holdings may appreciate in value, the primary objective of these funds is to provide steady cash flow to investors.
     ----------

    How Commodity Trading Works? VISIONONE HOLDING COMPANY -

    Let’s understand how commodity trading works. VISIONONE CAPITAL MANAGEMENT -

    With the help of a real example, we’ll explain a commodity strategy used by a cotton producer.

    A cotton farmer wants to protect himself from possible adverse future prices and a potential loss at the harvest time. This farmer can use the cotton future market to hedge this risk. The cotton farmer has some associated costs with producing and harvesting his cotton crop.

    BUYHEREMARKET ENTERPRISE - BUYHEREMARKET.BLOGSPOT.COM

    In order for him to cover all the incurring costs and hopefully to make a profit, he needs to have some type of certainty about the future price of cotton. Since the crop will be ready to harvest only a year later, he can secure the cotton price in advance. By selling a cotton futures contract for a specified price and for delivery at a specified date in the future, our cotton farmer can lock in a favorable price that will make him a profit at the end of harvesting.

    VISIONAIRE BUSINESS CENTER - VISIONAIREBIZ.BLOGSPOT.COM


    Weather conditions can also have a major impact on his cotton crop and can severely impact the price of commodities. While the contract holder can earn strong returns, the farmer benefits from gaining price security. In the end, both parties end up in a more favorable position..

    --------------

    ADVANTAGES... KNOWLEDGE FINANCIAL GROUP - KONWLEDGEFINANCIALGROUP.BLOGSPOT.COM

    There are many benefits that come with commodity trading.

    We’re going to outline the three main benefits of commodity trading.

    Firstly, it helps diversify your portfolio and includes real assets in your wealth-building machine. Secondly, commodity assets are easy to understand in terms of the supply and demand equation. The supply and demand imbalances can cause real price disruption in the commodity market.

    The US-China trade war escalation has already impacted the demand for commodities. Tariffs increase the cost of accessing goods, causing prices to rise.

    To learn more about the supply and demand intricacies please visit: Supply and Demand Trading – Learn about Market Movement.

    FEMKONSA CAPITAL INVESTMENT - FEMKONSA.BLOGSPOT.COM


    Lastly, when the economy is in a recession, money is losing its value as a result of inflation. However, the price of commodities increase during high inflation and they are seen as a hedge.

    Let’s now see who are the main market participants in the commodity market.

    ----------------

    Mutual Fund Fees: A mutual fund will classify expenses into either annual operating fees or shareholder fees. 

    Annual fund operating fees are an annual percentage of the funds under management, usually ranging from 1–3%. Annual operating fees are collectively known as the expense ratio. 

    A fund's expense ratio is the summation of the advisory or management fee and its administrative costs. Shareholder fees, which come in the form of sales charges, commissions, and redemption fees, are paid directly by investors when purchasing or selling the funds. 

    Sales charges or commissions are known as "the load" of a mutual fund. When a mutual fund has a front-end load, fees are assessed when shares are purchased.

     For a back-end load, mutual fund fees are assessed when an investor sells his shares. Some funds also charge fees and penalties for early withdrawals or selling the holding before a specific time has elapsed. 
    -------------
    Currently, most individual investors purchase mutual funds with A shares through a broker. This purchase includes a front-end load of up to 5% or more, plus management fees and ongoing fees for distributions, also known as 12b-1 fees. 
    -----------
    "level load" C shares, which generally don't have a front-end load but carry a 1% 12b-1 annual distribution fee. Funds that charge management and other fees when an investor sell their holdings are classified as Class B shares.
    -----------
    International/Global Funds: An international fund (or foreign fund) invests only in assets located outside your home country. Global funds, meanwhile, can invest anywhere around the world, including within your home country.

    It's tough to classify these funds as either riskier or safer than domestic investments, but they have tended to be more volatile and have unique country and political risks
    --------
    many mutual fund redemptions take place only at the end of each trading day.
    ------------
    Advantages of Mutual Funds: There are a variety of reasons that mutual funds have been the retail investor's vehicle of choice for decades.
    Liquidity, diversification, and professional management all make mutual funds attractive options for younger, novice, and other individual investors who don't want to actively manage their money.
    -----------
    Mutual funds require a significant amount of their portfolios to be held in cash in order to satisfy share redemptions each day. Because cash earns no return, it is often referred to as a "cash drag.
    "-----------
    Actively managed funds incur higher fees, but increasingly passive index funds have gained popularity. These funds track an index such as the S&P 500 and are much less costly to hold. 
    -----------------
    Investors typically earn a return from a mutual fund in three ways: 1. Income is earned from dividends on stocks and interest on bonds held in the fund's portfolio.

    .2. If the fund sells securities that have increased in price, the fund has a capital gain. Most funds also pass on these gains to investors in a distribution.

    3. If fund holdings increase in price but are not sold by the fund manager, the fund's shares increase in price. You can then sell your mutual fund shares for a profit in the market.
    -----------
    Closed-End Fund: A closed-end fund raises capital for investment through a one-time sale of a limited number of shares, which may then be traded on the markets.
    ----------------
    Open-End Fund?
    An open-end fund is a diversified portfolio of pooled investor money that can issue an unlimited number of shares. The fund sponsor sells shares directly to investors and redeems them as well.
    These shares are priced daily based on their current net asset value(NAV) Some mutual funds, hedge funds, and exchange-traded funds (ETFs) are types of open-end funds.

    An open-end fund provides investors an easy, low-cost way to pool money and purchase a diversified portfolio reflecting a specific investment objective. Investing objectives include investing for growth or income, and in large-cap or small-cap companies, among others. Further, the funds can target investments into specific industries or countries.
    -------------
    The Difference of Closed-End Funds
    Closed-end funds launch through an initial public offering (IPO) and sell on the open market.
    The closed-end fund shares trade on an exchange and are more liquid. They price trades at a discount or premium to the NAV based on supply and demand throughout the trading day.

    Since closed-end funds do not have that requirement, they may invest in illiquid stocks, securities or in markets such as real estate.

    Closed-end funds may impose additional costs through wide bid-ask spreads for illiquid funds, and volatile premium/discount to NAV. Closed-end funds demand that shares be traded through a broker.

    ---------
    Bond Fund
    A bond fund invests primarily in bonds (government, corporate, municipal, convertible) and other debt instruments to generate monthly income
    ==========
    ------------
    A mutual fund is a type of investment vehicle consisting of a portfolio of stocks, bonds, or other securities.
    --------
    Mutual funds give small or individual investors access to diversified, professionally managed portfolios at a low price.
    -------
    Mutual funds are divided into several kinds of categories, representing the kinds of securities they invest in, their investment objectives, and the type of returns they seek.
    ----------
    Mutual funds charge annual fees (called expense ratios) and, in some cases, commissions, which can affect their overall returns.
    ----------
    The overwhelming majority of money in employer-sponsored retirement plans goes into mutual funds.
    -------------
    Investors typically earn a return from a mutual fund in three ways:

    1. Income is earned from dividends on stocks and interest on bonds held in the fund's portfolio.

    2.If the fund sells securities that have increased in price, the fund has a capital gain. Most funds also pass on these gains to investors in a distribution.

    3. If fund holdings increase in price but are not sold by the fund manager, the fund's shares increase in price. You can then sell your mutual fund shares for a profit in the market.
    ==========
    -------------
    Fund Types to Use in Recession time...
    Federal Bond Funds
    Several types of bond funds are particularly popular with risk-averse investors. Funds made up of U.S. Treasury bonds lead the pack, as they are considered to be one of the safest. Investors face no credit risk.

    Bond funds investing in mortgages securitized by the Government National Mortgage Association (Ginnie Mae) are also backed by the full faith and credit of the U.S. government.

    options to consider include federal bond funds, municipal bond funds, taxable corporate funds, money market funds, dividend funds, utilities mutual funds, large-cap funds, and hedge funds.

    --------

    Municipal Bond Funds

    Next on the list are municipal bond funds. Issued by state and local governments, these investments leverage local taxing authority to provide a high degree of safety and security to investors.

    --------
  • . Taxable Corporate Funds

    Taxable bond funds issued by corporations are also a consideration. They offer higher yields than government-backed issues but carry significantly more risk. Choosing a fund that invests in high-quality bond issues will help lower your risk.

  • -------------

  • Money Market Funds

    When it comes to avoiding recessions, bonds are certainly popular, but they aren't the only game in town. Ultra-conservative investors and unsophisticated investors often stash their cash in money market funds. While these funds provide a high degree of safety, they should only be used for short-term investment.

  • There's no need to avoid equity funds when the economy is slowing. Instead, consider funds and stocks that pay dividends, or that invest in steadier, consumer staples stocks; in terms of asset classes, funds focused on large-cap stocks tend to be less risky than those focused on small-cap stocks, in general.

  • -----------------

  •  Dividend Funds

    Contrary to popular belief, seeking shelter during tough times doesn't necessarily mean abandoning the stock market altogether. While investors stereotypically think of the stock market as a vehicle for growth, share price appreciation isn't the only game in town when it comes to making money in the stock market. 

  • ----------

  • Utilities Mutual Funds

    Utilities-based mutual funds and funds investing in consumer staples are less aggressive stock fund strategies that tend to focus on investing in companies paying predictable dividends.

  • -----------

  • Large-Cap Funds

    Traditionally, funds investing in large-cap stocks tend to be less vulnerable than those in small-cap stocks, as larger companies are generally better positioned to endure tough times. Shifting assets from funds investing in smaller, more aggressive companies to those that bet on blue chips 

  • --------------

  • Hedge  Funds

    For wealthier individuals, investing a portion of your portfolio in hedge funds is one idea. hedge funds require certain conditions to invest in. Hedge funds are designed to make money regardless of market conditions. Investing in a foul weather fund is another idea

  • ==============

  • What to do when we have a market panic or uncertainty?
    Securities analyst from: FRUITAL INVESTMENT GROUP – FCEBOOK.COM/FRUITALINVESTMENT

    If you have cash on the sidelines, keep your money in a short-term treasury fund/bonds. FRUITALINVESTMENT.BLOGSPOT.COM

    That’s the nature of market panic, the buy orders dry up, traders step back, investors worry.

    Remember, Warren Buffet; be fearful when others are greedy, and be greedy when others are fearful.
    Femkonsa Capital Investment - www.facebook.com/femkonsa

    Knowledgeable investors become opportunist, they take action, they move forward when the market rebounds they smile.

    Now we all accept that the bear is in the field. The long bull market has finally ended. Many people are looking for a safe side to hide their mass fortune.

    Bonds have an important place in most portfolios. Corporate bonds, government bonds, municipal bonds. Specially for those who are approaching retirement, or already in retirement.
    Visionone Capital Management - www.facebook.com/visiononecapital

    Visionone Holding Company team is asking people to take informed and calculated risks, and make smarter investment decision.
    By chief investment officer of: Visionone Holding Company - www.visiononeholding.blogspot.com

    ------------
  • Private Equity Fund

    Types of Equity Funds

    Venture Capital or VCs

    Venture capital refers to the fund which further invests in small young companies and startups who have limited or no access to the outside financial markets. 

  • What are private equity funds?

    When you invest in a private equity fund, you are investing in a fund managed by a private equity firm—the adviser.  Similar to a mutual fund or hedge fund, a private equity fund is a pooled investment vehicle where the adviser pools together the money invested in the fund by all the investors and uses that money to make investments on behalf of the fund. 

    A typical investment strategy undertaken by private equity funds is to take a controlling interest in an operating company or business—the portfolio company—and engage actively in the management and direction of the company or business in order to increase its value.

  •  Unlike mutual funds or hedge funds, however, private equity firms often focus on long-term investment opportunities in assets that take time to sell with an investment time horizon typically of 10 or more years. 

  • These young companies are usually in their initial stage of formation but have a high growth potential in the near future. 

  • Venture capital funds are an excellent source of capital for emerging companies with ambitious value propositions and innovations.

  • ---------------Visionaire Business Center - www.facebook.com/visionairebiz


    These issues may be intimidating. But, certainly getting on the top of your personal legal affairs is actually one
    of the best thing you can do for yourself and your family. www.visionairebiz.blogspot.com
    ----------------
    The Role Life Insurance Can Play in a Retirement Plan... KNOWLEDGE FINANCIAL GROUP - www.facebook.com/knowledgefinancial
    ------------
    Discover how permanent life insurance policies can help cover large expenses and provide tax advantages.. www.facebook.com/lifeinsuranceforfamily
    --------------
    Probate Avoidance: KNOWLEDGE FINANCIAL GROUP - KNOWLEDGEFINANCIALGROUP.COM
    Ways to Avoid Probate...
    1. Have a Living Trust.
    2. Name beneficiaries on your retirement and bank accounts.
    3. Joint Tenancy with a Right of Survivorship.
    -------------
    By drafting a good living trust, designating beneficiaries, and holding property jointly, you may be able to avoid probate.
    ------------
    Avoid probate and save time and money with these eight strategies Probate can drag on for years, and can easily cost your family thousands of dollars -- money that would otherwise have gone to them.

  • Who can invest?

    A private equity fund is typically open only to accredited investors and qualified clients.  Accredited investors and qualified clients include institutional investors, such as insurance companies, university endowments and pension funds, and high income and net worth individuals.  The initial investment amount for a private equity investment is often very high. 

    Even if you are not invested in private equity funds directly, you may be indirectly invested in a private equity fund if you participate in a pension plan or own an insurance policy,

  • ------------

  • Buyout or Leveraged Buyout (LBO)

    They are different form VC funds as a leveraged buyout invests money in a larger business along with additional leverage (usually in a form of stake holding), which is placed on the organization to generate favourable and sizeable returns. The money invested is also larger as compared to VCs.

    A leveraged buyout takes place when a company borrows a large amount of money in the form of loans and bonds to facilitate its acquisition of another company. 

  • --------------

  • A leveraged buyout comprises of debt to finance the buyout. The firm undertaking the LBO has to provide a small amount of the financing (typically around 90% of the cost is financed through debt).

    The investment objective of a leveraged buyout is to generate returns on the acquisition that will outweigh the interest paid on the debt. 

  • For the firm that’s performing the LBO, this is a good option to generate high returns while only risking a small amount of capital.

  • -----------

  • Real Estate fund

    Private equity real estate funds invest capital in ownership of various real estate properties. Such funds have strategies based on:

    • Core: Investments are made in low-risk / low-return strategies with predictable cash flows.

    • Core Plus: Moderate-risk / moderate-return investments in core properties that require some form of value added element.

    • Value Added: A medium-to-high-risk / medium-to-high-return strategy which involves the purchasing of property to improve and sell at a gain. Value added strategies typically apply to properties that have operational or management issues, require physical improvements, or suffer from capital constraints.

    • Opportunistic: A high-risk / high-return strategy, opportunistic investments in properties require massive amounts of enhancements. 
    • ------------------
    • Growth Capital

      Private equity growth capital funds invest in mature corporates with a successful business model to enable them to expand or restructure their operations, enter new markets, or finance a major acquisition.

    •  It is usually a small investment as the company which requires growth capital is generally a large profit generating enterprise.

    • ------------

    • Advantages of Investing in Private Equity Funds

      • Large amounts of funding: Private Equity Funds are an excellent source of capital as they are free of debts. An emerging business can tap large amounts for seed funding via Private Equity.

      • Untapped Potential: Private equity is a vastly untapped market with great potential. From unicorn startups to unlisted private companies and much more, there are a wide range of options available in the market.

      • Active Involvement: As a shareholder, you can hold the professional management PE team completely accountable for protecting your shareholding interests.

      • Incentives and Returns: PE Firms which hold and manage private equity funds are highly selective and spend a considerable amount of resources to assess the potential companies which they could invest in. This also involves an understanding of the risks involved and how to ease the same.

      • ===============

          • ----------

          • What should I know?

            Illiquidity

            Because of their long-term investment horizon, an investment in a private equity fund is often illiquid and it may be necessary to hold an investment in a private equity fund for several years before any return is realized.

          • -----------

          • Fees and expenses

            When investing in a private equity fund, an investor usually receives offering documents detailing material information about the investment and enters into various agreements as a limited partner of the fund.  

          • These offering documents and agreements should disclose and govern the terms of the investor’s investment throughout the fund’s life, including the fees and expenses to be incurred by funds and their investors. 

          • ------------Financial Knowledge - Financial Education / The Fundamental Of Investing / Everything Entrepreneurs - Investors - Traders -

            Business People Need To Know...
            Knowledge Financial Group -BUYHEREMARKET.BLOGSPOT.COM is an
            absolute trusted source for education and knowledge ...
            --------
            WHY NOT INVITED YOUR FRIENDS TO WHERE THE
            KNOWLEDGE IS? facebook.com/knowledgefinancialcialgroup
            --------
            Knowledge is the most powerful ingredient in the recipe of
            success. knowledgefinancialgroup.blogspot.com

            Sufficient Knowledge To Live Comfortable''
            The Fundamental Of Investing at KNOWLEDGE FINANCIAL GROUP - KNOWLEDGEFINANCIALGROUP.COM
            ======
            What Everyone Should Know To Take Control Of Their Finances And Retirement Planning... By
            Anthony Of: Knowledge Financial Group - Knowledgefinancialgroup.com
          • ================

          • Venture Capital

          • What Is Venture Capital?

            Venture capital (VC) is a form of private equity and a type of financing that investors provide to startup companies and small businesses that are believed to have long-term growth potential. Venture capital generally comes from well-off investors, investment banks, and any other financial institutions. 

          • However, it does not always take a monetary form; it can also be provided in the form of technical or managerial expertise. Venture capital is typically allocated to small companies with exceptional growth potential.

            • Venture capital funds manage pooled investments in high-growth opportunities in startups and other early-stage firms and are typically only open to accredited investors.
            • ----------
            • Venture Capital

            • One important difference between venture capital and other private equity deals, however, is that venture capital tends to focus on emerging companies seeking substantial funds for the first time, while private equity tends to fund larger, more established companies that are seeking an equity infusion or a chance for company founders to transfer some of their ownership stakes.
            • --------------
            • A Day in the VC Life

              Like most professionals in the financial industry, the venture capitalist tends to start his or her day with a copy of The Wall Street Journal, the Financial Times, and other respected business publications. 

              For the venture capital professional, most of the rest of the day is filled with meetings. These meetings have a wide variety of participants, including other partners and/or members of his or her venture capital firm, executives in an existing portfolio company, contacts within the field of specialty

            • Venture capitalists that specialize in an industry tend to also subscribe to the trade journals and papers that are specific to that industry. All of this information is often digested each day along with breakfast.

            • ----------

            • Why Is Venture Capital Important?

              Innovation and entrepreneurship are the kernels of a capitalist economy. New businesses, however, are often highly-risky and cost-intensive ventures. 

            • As a result, external capital is often sought to spread the risk of failure. In return for taking on this risk through investment, investors in new companies are able to obtain equity and voting rights for cents on the potential dollar.

            •  Venture capital, therefore, allows startups to get off the ground and founders to fulfill their vision.

            • -------------=====


              Investment And Trading Excellent Information, Useful Tool And Great Resources. BY:

              BUYHEREMARKET ENTERPRISE

              investment education center at: Knowledge Financial Group and also at: Visionone Holding Company.
              We create an education experience that customizes to fit many investors’ interests, objective and goals.
              KNOWLEDGEFINANCIAL.BLOGSPOT.COM

              Real experience will walk you through a range of investing and trading topics to help make you a more informed investor.

              Femkonsa Capital Investment. = FACEBOOK.COM/FEMKONSA

              ------------
              Your goals are unique, so your investment guidance should be too. A good advisor should take the time to listen and understand what matters most to you
              before helping you develop and manage your investment strategy says, Nyton from:
              Fruital Investment Group = FACEBOOK.COM/FRUITALINVESTMENT

              ----------
              The internet has tools and resources to help you pursue your goals and objective. = MONEY WISERS GROUP

              Explore a wide array of tools and resources to help you create and pursue your financial goals and realize your dreams. MONEYWISERS.BLOGSPOT.COM
            • What Is the Difference Between Venture Capital and Private Equity?

              Venture capital is a subset of private equity. In addition to mezzanine

            • VC, private equity also includes leveraged buyouts,  financing, and private placements.

          • -------------============

          • Angel Investors

            For small businesses, or for up-and-coming businesses in emerging industries, venture capital is generally provided by high net worth individuals (HNWIs)—also often known as "angel investors"—and venture capital firms. 

            Angel investors are typically a diverse group of individuals who have amassed their wealth through a variety of sources. However, they tend to be entrepreneurs themselves, or executives recently retired from the business empires they've built.

            Self-made investors providing venture capital typically share several key characteristics. The majority look to invest in companies that are well-managed, have a fully-developed business plan, and are poised for substantial growth.

          • The National Venture Capital Association (NVCA) is an organization composed of hundreds of venture capital firms that offer to fund innovative enterprises.

          •  These investors are also likely to offer to fund ventures that are involved in the same or similar industries or business sectors with which they are familiar. If they haven't actually worked in that field, they might have had academic training in it. 

          • -------------- ==========

          • ''Insurance Of America Is On Facebook''-

            ''
            Antony Real Estate - For Buyers & Sellers  Is On Facebook''-

            ''
            Nurses Of America -  NursingAlliance  Is On Facebook''-
          • ''ANGENT ANTONY For Buyers & Sellers Is On Twitter''-

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            Visionaire Business Center} Visionairebiz Is On Twitter''-

            ''{
            Financial Academy School} Financialschool Is On Twitter''-

            ''
            Nurses Of America / NursingAlliance Of America is on Twitter''-

          • ----------------

          • Compound interest? Compound interest is the interest imposed on a loan or deposit amount. It is the most commonly used concept in our daily existence. The compound interest for an amount depends on both Principal and interest gained over periods. This is the main difference between compound and simple interest

            Starting young lets the students take advantage of the magic of "compound interest." Compound interest is the interest you earn on interest. 

          • This can be illustrated by using basic math: if you have $100 and it earns 5% interest each year, you'll have $105 at the end of the first year. 

          • At the end of the second year, you'll have $110.25. Not only did you earn $5 on the initial $100 deposit, you also earned $0.25 on the $5 in interest. 

          • While 25 cents may not sound like much at first, it adds up over time. Even if you never add another dime to that account, in 10 years you'll have more than $162 thanks to the power of compound interest.

          • ------

          • Compound interest is the interest calculated on the principal and the interest accumulated over the previous period. It is different from simple interest, where interest is not added to the principal while calculating the interest during the next period.

          • Where,

            • A = amount
            • P = principal
            • r = rate of interest
            • n = number of times interest is compounded per year
            • t = time (in years)

            Alternatively, we can write the formula as given below:

            CI = A – P

            And

            This formula is also called periodic compounding formula.

            Here,

            • represents the new principal sum or the total amount of money after compounding period
            • P represents the original amount or initial amount
            • is the annual interest rate
            • n represents the compounding frequency or the number of times interest is compounded in a  year
            • represents the number of years

            It is to be noted that the above formula is the general formula for the number of times the principal is compounded in a year. If the interest is compounded annually, the amount is given as:

            Thus, the compound interest rate formula can be expressed for different scenarios such as the interest rate is compounded yearly, half-yearly, quarterly, monthly, daily, etc

          • =========== 

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          • ----------------
          Rule of 72

          The Rule of 72 is a great way to estimate how your investment will grow over time. 
        • If you know the interest rate, the Rule of 72 can tell you approximately how long it will take for your investment to double in value. 
        • Simply divide the number 72 by your investment’s expected rate of return (interest rate). 
        • Assuming an expected rate of return of 9%, your investment will double in value about every 8 years (72 divided by 9 equals 8)
        • ------------
        • Rule of 72

          • the Rule of 72 is a simplified formula that calculates how long it'll take for an investment to double in value, based on its rate of return.
          • The Rule of 72 applies to compounded interest rates and is reasonably accurate for interest rates that fall in the range of 6% and 10%.
          • The Rule of 72 can be applied to anything that increases exponentially, such as GDP or inflation; it can also indicate the long-term effect of annual fees on an investment's growth.
          • The Formula for the Rule of 72 - How to Use the Rule of 72

            The Rule of 72 could apply to anything that grows at a compounded rate, such as population, macroeconomic numbers, charges, or loans. If the gross domestic product (GDP) grows at 4% annually, the economy will be expected to double in 72 / 4 = 18 years.

          • ===========

            Investing 101: A Guide to Investing... 

            INVEST FOR WHAT MATTERS TO YOU

            The market will always go up and down, but your goals and objectives are still your goals and objectives.
            • When you buy a product to use or food to eat you are a consumer.
            • When you invest your money in a company who produces stuffs, you're a producer/investor.
            • --------
            • When you invest in a company for 3, 6, months and then sell. You are not an investor, you are a trader.
            • But when you invest in a company for a year or more you are classified as investor.
            • Real estate is something important and interesting that people need to own for the rest of their life.
            -----------------
            Invest in what you love.

            Take Control of Your Financial Future. Now.

            1. What is your time frame for investing?
            2. Are you investing for income or growth?
            3. You Can Retire Sooner Than You May Think— Here Are Few Ways To Make It Happen.Yes you can retire with time on your hands and money in your pockets...

            4. ---------
            5. Invest In: Exchange-Traded Funds (ETFs)

              What Is an ETF? An ETF is a type of fund that holds multiple assets rather than buying one stock.

              An exchange traded fund (ETF) is a type of security that tracks an index, sector, commodity, or other asset, but which can be purchased or sold like a stock.

              • TYPES OF ETF
              • Currency ETFs, Commodity ETFs,  Stock ETFs,  Bond ETFs, Real Estate ETS's, Pharmaceutical ETF, Technology ETF"s. Precious Metal ETF's etc. 
              • ETF's, Exchange Traded Funds are passively managed funds and they have less/lower fees
            6. -----------------------

            7. Invest In Index Funds:

            8. Index funds, are funds that give you exposure to an entire index. You can only buy index fund once a day. 

            9. Index funds give you diversified access to all the companies you know and
              ---------
               
            10. Index funds help people purchase a larger part of the market instead of stocks in
            11. Invest In: Municipal Bonds

              What are municipal bonds? Municipal bonds (or “munis” for short) are debt securities issued by states, cities, counties and other governmental entities to fund day-to-day obligations.

            12. By purchasing municipal bonds, you are in effect lending money to the bond issuer in exchange for a promise of regular interest payments.
            13. -------
            14. Invest In: Real Estate Investment Trusts (REITs)

              What are REITs?

              Real estate investment trusts (“REITs”) allow individuals to invest in large-scale, income-producing real estate. A REIT is a company that owns and typically operates income-producing real estate or related assets.

            15. Real estate investment trust - REIT's..
              There are 2 kind of Reits: Equity Reit and mortgage Reit.
              Reit's allow you to invest in real estate without taking a mortgage and get access of your money whatever you like.
            16. ----------------

            17. How to buy and sell REITs

              You can invest in a publicly traded REIT, which is listed on a major stock exchange, by purchasing shares through a broker. You can purchase shares of a non-traded REIT through a broker that participates in the non-traded REIT’s offering. You can also purchase shares in a REIT mutual fund or REIT exchange-traded fund.

            18. ----------

            19. Purchasing Bonds

              When you buy a bond, you are lending money to the company or institution that issued it. Bonds are debt securities and can be in the form of Treasuries, municipal bonds, corporate bonds, and other types of debt..

            20. ---------

            21. Buying Stocks

              Without a doubt, owning stocks has been the best way, historically, to build wealth. Stocks are shares of ownership in a specific corporation. When you own a share of Apple, for example, you own a tiny piece of that company. Stock prices fluctuate with a company's fortunes and also with the economy at large.

            22. There are 2 ways to make money in stocks:
              1. By appreciation, meaning capital gains. And
              2. By getting pay dividends
            23. -----------
            24. Why And When to sell your stocks?
              There are actually about 4 main reasons why investors can sell their stocks...
              1. Company failure - going under
              2. Need the cash for other use
              3. Need to reinvest in other products
              4. When you win big, you bought undervalue and now its overvalue - time to cash in!
            25. ----------

            26. ============

            27. Real Estate Professional is here to help, and to guide you through your
              home selling process, and or home buying process from the start to finish...


              The Advantages To Owning Real Estate...
            28. 1. You have tax advantages - Depreciation, or advantage with appreciation
              2. You are building equity every month and every year, preferably said year after year.

              3. You can refinance and cash out your equity.
              4. You can use your property as collateral to obtain financing to open businesses.

              5. You have your absolute privacy
              6. You are building a retirement nest eggs.
            29. Real Estate is a Hedge Against Inflation
              Real estate is one of the few assets that reacts proportionately to inflation.
            30.  As inflation goes up, housing values and rents go up.
            31. ---------
            32. Advantages of Real Estate Investments...

              1. Financial Leverage. When people purchase a real estate property, they attain financial leverage.
              2.  By using OPM, or OPIUM.
              3. OPM = OTHER PEOPLE'S MONEY
              4.  AND OPIUM = OTHER PEOPLE INACTIVE UNDERSUSED MONEY 
              5.  Mortgage Payments Are Covered And Equity Is Built up..
              6. ================
              7. ==========

                BUILDING WEALTH THROUGH REAL ESTATE AND RETIRE COMFORTABLY. https://www.facebook.com/visiononerealestates
                Real Estate Renting vs owning: The best choice for a home might surprise you... https://www.facebook.com/visionairerealestate
                The demand for a home in South Florida is making it increasingly difficult to find even a rental to stay in, causing rents to also spike.
                It may be at least another year or two before the housing market cools off enough, if at all, meaning that potential homebuyers could be waiting awhile. https://www.facebook.com/visiononeholding
                “It’s better to try and buy a single-family home if you can, because people are taking whatever they can get. For rent or buying, there just isn’t enough inventory in either category,”
                Waiting out the current housing market also runs the risk that interest rates will rise.
                ------------
                Real estate is considered a good investment...
                Reasons to Invest in Real Estate..
                Cash Flow. ... - Tax Breaks and Deductions. ... - Appreciation. ...
                Build Equity and Wealth. ... - Portfolio Diversification.
                Real Estate Leverage.
                ---------------
                Real estate investors make money through rental income, appreciation, and profits generated by business activities that depend on the property.
                The benefits of investing in real estate include passive income, stable cash flow, tax advantages, diversification, and leverage
                --------------------
                Inflation Hedge...
                The inflation hedging capability of real estate stems from the positive relationship between GDP growth and the demand for real estate. As economies expand, the demand for real estate drives rents higher.
                ----------------
                Real Estate Investment Trusts (REITs)
                If you want to invest in real estate, but aren't ready to make the jump into owning and managing properties, you may want to consider a real estate investment trust (REIT). You can buy and sell publicly-traded REITs on major stock exchanges,
                -----------------
                ADVANTAGES OF INVESTING AND OWN REAL ESTATE PROPERTIES
                Real Estate Leverage
                Leverage is the use of various financial instruments or borrowed capital (e.g., debt) to increase an investment's potential return.
                A 20% down payment on a mortgage, for example, gets you 100% of the house you want to buy—that's leverage. Because real estate is a tangible asset and one that can serve as collateral, financing is readily available. http://realestateworldclass.blogspot.com/
                -----------------------
                Build Equity and Wealth
                As you pay down a property mortgage, you build equity—an asset that's part of your net worth. And as you build equity, you have the leverage to buy more properties and increase cash flow and wealth even more.
                ----------------
                Appreciation
                Real estate investors make money through rental income, any profits generated by property-dependent business activity, and appreciation. Real estate values tend to increase over time, and with a good investment, you can turn a profit when it's time to sell. Rents also tend to rise over time, which can lead to higher cash flow. https://antonyrealestate.blogspot.com
                -----------------
                Cash Flow
                Cash flow is the net income from a real estate investment after mortgage payments and operating expenses have been made. A key benefit of real estate investing is its ability to generate cash flow. In many cases, cash flow only strengthens over time as you pay down your mortgage—and build up your equity.
                --------------------
                Tax Breaks and Deductions
                Real estate investors can take advantage of numerous tax breaks and deductions that can save money at tax time. In general, you can deduct the reasonable costs of owning, operating, and managing a property.
                -----------------
                Still, real estate is a distinct asset class that's simple to understand and can enhance the risk-and-return profile of an investor's portfolio.
                On its own, real estate offers cash flow, tax breaks, equity building, competitive risk-adjusted returns, and a hedge against inflation.
                Real estate can also enhance a portfolio by lowering volatility through diversification, whether you invest in physical properties or REITs. WWW.FACEBOOK.COM/VISIONONEREALESTATES
                ------------------
                Protect Your Rental Income
                Looking for a better way to minimize your vacancy losses and get quality residents? Mynd Property Management provides owners with a seamless management experience.
                ---------------
                Wealth-seeking individuals capitalizing on a very unique income opportunity.
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