Most Americans purchase stocks to create their financial future. Before you can consider investing tips, there are several preparations you must make. First, reduce your household debts. If you’re paying more than 18% in interest on any credit cards, or if you’re paying more than 15% of your income on your debts, then you’re not ready to invest just yet. Secondly, you’ll want your entire family covered with insurance that pays up to 75% of your primary breadwinner’s income should something happen. You should also have 3-6 months’ of income saved as an emergency fund. Lastly, you will probably need professional advice from a personal financial advisor.

Here are some investing tips for beginners. Even if you don’t make over 0,000 a year, you can still make considerable income, with little risk to you, if you find a financial advisor who agrees to help you find low-risk investment opportunities. On average, the stock market brings in an 8% annual return, so if you invest /week, you’ll have ,000 in 10 years. Of course, investing isn’t necessarily a sure bet. There is a possibility one of your investments will be junk and lose 25-30% in one day, which is why you should diversify your portfolio and consider financial products like mutual funds and exchange-traded funds.

Some people also like to get investment tips from an independent financial advisor. Many people find these advisors through family, friends, church members or cohorts, but you can also check websites like the Financial Planning Association (www.fpanet.org), the Certified Financial Planner Board of Standards (www.cfp.net) or Wiser Advisor (www.wiseradvisor.com). When you’re calling around to find an advisor, you’ll want someone who expresses an interest in you, who has been in business for awhile, is licensed and charges a flat-fee (rather than a commission). You can check with your State Attorney General to see if any complaints have been filed against an advisory service, which will protect you further.

We’d all like to think we can find our own investing tips and create a rich portfolio, without any third party assistance. Yet, the fact of the matter is, most of us aren’t half as good as we think we are, or half as good as we could be. For instance, Dalbar investment research firm found that individual investors saw an annual return of 2.6% a year, compared to the 12.2% that the S&P Index grew annually. Given these pitiful statistics, perhaps financial advisory services aren’t such a bad idea after all.

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