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    Investment 101
    Investment 101
    Investment 101
    Ebook142 pages1 hour

    Investment 101

    By Esther Toussaint

    ()

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    About this ebook

    Investing can be a daunting journey for beginners, but with the right guidance and strategy, it can be a fulfilling and lucrative endeavor.

    "Investment 101" is a comprehensive guide that provides beginners with the essential tools and knowledge to invest wisely and confidently.

     

    This ebook covers a wide range of topics, including the basics of investing, diversification, long-term investment strategy, and financial planning. The book outlines the most common mistakes that beginners make in investing and provides tips and strategies to avoid them.

     

    The ebook emphasizes the importance of emotional decision-making and how to overcome it to make sound investment choices. The book also covers the different types of fees and costs associated with investing and how to manage them effectively to maximize returns.

     

    Additionally, the book provides guidance on how to set long-term investment goals and create a solid investment plan. The author also provides insights on market trends and how to adapt to them to make informed investment decisions.

     

    Finally, the book provides resources for learning and finding financial advisors to help beginners on their investment journey.

     

    With "Investment 101," beginners can gain the knowledge and confidence they need to start building their wealth and achieving their financial goals.

    LanguageEnglish
    PublisherBHG PREMIER LLC
    Release dateJul 18, 2023
    ISBN9798988795704
    Investment 101
    Author

    Esther Toussaint

    Esther Toussaint MSN-Ed MBA RN, is a financial expert, a successful investor, and a mother. Growing up in a family that had little knowledge of financial literacy, she knew that she needed to invest in her education to achieve her financial goals. She pursued a career in nursing and earned a master's degree in the field, but she didn't stop there. She also earned a master's degree in business administration, which gave her the knowledge and skills she needed to become a successful investor. Throughout her career. Esther has always been passionate about financial literacy and helping others achieve financial freedom. She has a daughter who she wants to instill these values in, and this book is a testament to her commitment to this goal. In it, she shares techniques for financial success and provides readers with practical advice and strategies for achieving their own financial goals. Esther's unique perspective as a young married woman with a background in nursing and business makes this book a must-read for anyone looking to improve their financial literacy and achieve financial freedom. Whether you're just starting out on your financial journey or you're looking to take your investments to the next level, this book is an invaluable resource that you won't want to miss.

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      Book preview

      Investment 101 - Esther Toussaint

      This book is dedicated to anyone who wishes to improve their investment game, open their minds to the true opportunities that lie in stocks investing and create a life pattern that sustains financial growth up to the point of retirement and beyond. It’s a known fact that there are a lot of uncertainties in today's economic market; but to keep a steady income stream and build the life that we want, there are certain hacks we need to get familiar with. This book was carefully put together to provide the right information to stock newbies, season investors, financial literates and market analysts.

      Acknowledgement

      I would like to express my heartfelt gratitude to my Lord and Savior Jesus Christ, who has been my guiding light throughout this journey. Without His grace and blessings, this book would not have been possible.

      I would like to thank my mother and my grandmother for their unwavering support and encouragement. Their love and guidance have been instrumental in shaping me into the person I am today.

      I am also grateful to my siblings, who have always been there for me, offering their love and support in every way possible. I am blessed to have them in my life.

      To my husband thank you for believing in me and supporting me every step of the way. Your love and encouragement have been my source of strength and inspiration.

      Last but not least, I would like to thank my precious little daughter for being my constant reminder of why I do what I do. Your love and presence in my life have been my greatest joy and motivation.

      Thank you all for your love, support, and encouragement. I am truly blessed to have you in my life.

      Introduction

      Do you dream of a life where you don't rely on your income to survive? You're not alone. The concept of financial freedom has only grown in popularity in recent years. Financial freedom means different things to different people. Some crave the freedom to set their schedule. Others want the ability to pick up and quit their day job. No matter your ultimate goal, all concepts of financial freedom have the same root: A foundation of wealth.

      Maybe you don't have enough cash to invest in anything other than small-time stocks or mutual funds. Maybe you think building wealth is out of reach for you. Maybe you don't know enough about investing and are unsure where to start. If any of these sound familiar, this is the book for you.

      .

      Contents

      Dedication

      Acknowledgement

      Introduction

      CHAPTER ONE

      The Concept of Wealth and Investment.

      CHAPTER TWO

      The Stock Market

      CHAPTER THREE

      Investing in the Long Term

      CHAPTER FOUR

      Bonds & Fixed Income Investment

      CHAPTER FIVE

      Mutual Funds & Exchange-Traded Funds

      CHAPTER SIX

      Retirement Planning

      Conclusion

      CHAPTER ONE

      The Concept of Wealth and Investment.

      The secret to wealth is simple: Find a way to do more for others than anyone else. Become more valuable. Do more. Give more. Be more. Serve more.

      Tony Robbins.

      Wealth is the total value of all your possessions minus any debts you owe. That term seems quite clinical, and it omits many important elements. For example, what constitutes an asset? How do you know how much your assets are worth so you can compare them to the total of your debts? Assets are any items you own that can be converted into cash. In other words, assets that you possess and can sell. Houses, yachts, and stocks are popular examples, but artwork, collectibles, and cryptocurrency are all examples.

      All assets are not created equal. Some assets, such as boats and cars, should be considered liabilities because they depreciate over time rather than helping you accumulate wealth. Just like what Robert Kiyosaki, the author of Rich Dad Poor Dad, would say:

      Wealth is a person's ability to survive X number of days forward.

      To put it another way, how secure is your future? How long would you be able to pay your payments if you lost your job tomorrow? The answer to the question indicates your present level of wealth. When the ordinary person considers investing, the stock market or other publicly traded assets are the first things that come to mind. Are you ready for the harsh reality? Stocks alone will not provide you with enough wealth to achieve financial independence. 

      To amass significant wealth, you must invest in public and private assets, such as stocks and bonds. According to Alto IRA, high-net-worth individuals invest 25-50% of their money in private assets. Of course, the most common issue here is that private assets have significantly greater capital barriers to entry than public assets... But don't worry; I'll give you some pointers on how to get over that hump later in this essay. Building wealth may appear frightening, but it does not have to be.

      Building wealth is a transforming journey that goes beyond monetary accumulation. It entails establishing financial security, possibilities for personal development, and the opportunity to live on your terms. This thorough guide will examine the underlying principles, tactics, and attitudes needed to generate money and achieve long-term financial success. At its root, wealth entails more than monetary abundance. It denotes a sense of security, independence, and fulfillment in all aspects of life. True wealth entails balancing short-term pleasure and long-term financial security and integrating personal beliefs and ambitions with financial decisions.

      It includes physical and mental well-being and a feeling of a purpose beyond worldly things. Building wealth begins with cultivating an abundance and possibilities attitude. Adopting positive money ideas, embracing a growth-oriented outlook, and developing perseverance in the face of setbacks are all part of this mindset. It is critical to shift from a scarcity mindset focusing on constraints to an abundant mindset identifying chances and possibilities. We can open ourselves up to new chances and attract prosperity by changing our attitudes and beliefs about money. Modifying our approach to spending and earning is one of the most certain and foolproof ways to transform our thoughts and beliefs about money. The basics are straightforward: make money, spend less than you earn, save, invest, and repeat. On paper, this appears to be a straightforward set of instructions. However, just because an idea is basic does not mean it is always straightforward to put into practice. The good news is that if you stay with some basic lifestyle modifications, they can have a profound long-term impact.

      What is Investment?

      Investment is defined as using present financial resources to obtain higher future returns. It deals with what are known as uncertainty domains. This definition emphasizes the significance of time and the future, two critical investment components. As a result, any information that can assist in developing a vision about the levels of certainty in the status of investment in the future is valuable. From an economic standpoint, investment and saving are distinct; saving is all earnings not spent on consumption, whether invested to attain higher returns. Consumption is a person's overall expenditure on products and services to meet his needs during a given period. Different statistical methods can be used to determine the values of investment or saving and consumption at the macroeconomic or individual levels. Investment assets or mechanisms that are commonly employed in investment are classified as follows:

      ❖    Real Assets.

      ❖    Financial Assets.

      Real Assets

      They are tangible assets used to produce goods or services, such as buildings, land, machinery,

      or cognitive assets that are utilized in the production of commodities or services.

      Financial Assets

      Are claims on tangible assets or income generated by those assets? Stocks and bonds, for example, are worthless documents that do not directly contribute to producing a commodity or service but gain their value from the promises they hold. Real assets are evaluated differently than financial assets due to their distinctions. Financial assets are more liquid, and the market is more regulated. They are also divided into small pieces, making it easy for more people to enter the market.

      Consider the difference between purchasing a car or a plot of land and purchasing shares. Compared to purchasing one share of a specific company, purchasing a car or a plot requires significant money. It is also easier to sell shares than sell a car or land. As a result, many people prefer financial assets. You could say that the two types of assets (real and financial) have different factors that influence their valuation, and each has its market. The financial market refers to the market for financial assets.

      Like other markets, financial markets are distinct venues where buyers and sellers meet to exchange a certain product. These marketplaces are dedicated to the trade of financial assets. A financial market may be physically located, or both sides (buyers and sellers) may meet electronically (online).

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