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Financial Updates

Estate Planning Advice for Investors

On our investment website, we often write about how to grow your portfolio. Today we’re gonna talk about a different topic entirely how to protect and preserve your assets after your death.

 

Surely you’ve heard of asset diversification and other legal instruments to protect against lawsuits, however, the best way to protect your wealth is through proper estate planning. This will make it possible for you to pass on your assets to your chosen heirs at the time of your passing.

 

What is estate planning?

 

Simply put estate planning is the preparation of how to transfer your assets upon your death which includes your beneficiaries and specific instructions. Most professional estate plans have been designed to minimize tax payments for both your estate and your heirs. Additional provisions for custody and care of your dependent children or adults are also included.

 

Another benefit of estate planning is that it can help in the case where you become unable to manage your affairs due to illness. You will appoint an estate trustee to manage your assets with your power of attorney and guidance of what measures you want to be taken medically to extend your life. These types of planning documents help your family to grant your wishes and guide them during the difficult time of your illness and death.

 

Asset protection

 

Unfortunately, as your portfolio grows so does your risk for lawsuits and claims for actual or fancied damages. The very best way to protect yourself and your assets from these types of legal proceedings is to remove the majority of your assets and put them into vehicles that are legally protected so the money is beyond reach. This often greatly reduces the likelihood of these types of nuisance lawsuits.

 

Will preparation

 

All estate planning begins by creating a legally enforceable will. This document details your desires for the distribution of your financial assets upon your passing. You decide the allocation distribution and the specific parties in detail.

 

This is the opportunity to decide who you do not want to share in your money after your death. If you do not specifically remove certain individuals, such as children and spouses, most state probate laws will automatically make them your heirs.

 

It’s simple to get a will prepared by a competent legal service such as LegalZoom. Promo codes for saving 10% are here.

 

Trust creation

Once you have your will in place, the next level of protection would be a trust that gives you living benefits from your assets while you are still living.

Every state has variations but here are the two basic types of trusts

 

Living trust

You transfer your assets into this living trust which protects them legally and could be either revocable or revocable as you decide. This type of trust helps you to control your assets while alive, upon your death the trust documents would be followed. Without being subject to probate

For the maximum legal protection ,you will want your trust to be in a revocable because certain states consider revocable trusts as income on your personal tax return and could be subject to seizure.

 

Testamentary

This type of trust is created upon your death and is funded by your financial assets or your life insurance. Greater legal protection than a will is this type of trust because the money is transferred upon your death in line with the trust documents

Fintech: Investors What You Need to Know

You probably heard of this term, FinTech, being discussed at your investment clubs and wondered what it’s all about and how should an investor how can profit. Here’s how to take advantage of this trend globally

 

FinTech is an abbreviation for financial technologies. This means it is the interconnected, data-driven new technology is being applied in the financial banking sector usually by institutions in the backend of their business for efficiency and cost savings. As such these new companies are disrupting traditional financial business models by offering mobile credit card payments such as Intuit’s app Quickbooks Gopayment, money transfers by smartphone, loans online, digital fundraising and asset management.

 

This is not just a fad. FinTech can be a huge moneymaker for investors. Venture capital firm Accenture recently reported that their investments in fintech companies internationally started in 2008 at $930 million and has grown to more than $12 billion in 2016. One of the most successful companies in this industry has been Kabbage.com reviews are positive for its continued growth serving entrepreneurs with business loans and line of credit financing. 

 

This explosive growth is touching every business sector not only financial services – use this to your advantage. 2019 trends include artificial intelligence and robotic process automation. 

 

In the past, if you wanted to launch a new business you would need to go into your local bank office and apply for a loan. Similarly, if your store wanted to accept credit cards it would require an account with a specialized merchant credit card provider and a telephone landline and expensive equipment to lease.

 

Happily, this is no longer the case, fintech has broken the stronghold of traditional banks and lenders. Now when you are an entrepreneur and want to launch your company you can go online with an app on your smartphone and within minutes have submitted a loan application that will be reviewed through data connections to your online banking and accounting software.

 

Today along with mobile payments and instant money transfer services these fintech revolutions are making it easier than ever to start and run a business.

 

Because it’s easier than ever for startup companies to accept credit card payments due to mobile credit card readers and lower volume requirements for account except it is much easier to do business almost anywhere because via cell phone you can safely and easily accept credit card payments from your customers.

 

Fintech is not just changing businesses and their banking transactions but is also rapidly changing customer behavior.  

 

These days consumers are becoming accustomed to being able to access data anywhere via their smartphone. So they expect to be able to buy and sell within their investment portfolio and to deposit checks simply by scanning with their cell phone.

 

Even with this explosive growth fintech is forecasted to be only in its infant stages. The financial industry will continue to change rapidly and savvy investors will want to stay informed as part of their long-range strategies to not lose out on opportunities and gain profits.

 

Top Fintech Stocks by Investor Place

 

Paypal

Alibaba

SoftBank

LexinFinTech

Guidewire

 

https://investorplace.com/2018/03/10-fintech-stocks-to-own-for-next-10-years/

 

Further reading:

 

https://www.inc.com/magazine/201509/maria-aspan/2015-inc5000-fintech-finally-lifts-off.html

Tips for buying Gold in 2019

Gold is a chemical element whose atomic number is 76 and the symbol of gold is “Au.” It is yellowish red in its natural form. Gold has various properties one of them being it is malleable. A single gram of gold can be spread and molded to a sheet of 1 square meter.

Gold is respected around the world for its value and rich history. Gold coins first appeared in 800 B.C during the reign of King Croesus of Lydia.  The history of the price of gold is very unpredictable as seen in the 2000s.  The same thing happened in the 1970s when the price of gold shot up and slowly not long after that it gradually started to decline. Despite all that gold is considered of high value. Here are a few tips for buying gold in  the coming year 2019,

 

1) Direct Ownership-

Gold can always be exchanged for money. Thus it never loses its value. It doesn’t matter if you own a lot of money or just buying even small gold coins is a good investment. It is highly critical that the gold purchased is kept in a place which is easily accessible during crises.

 

2) Market speculation-

Never buy gold without understanding the current market scenario. Research is always important as the value of gold may change at any time, the flow in the rate of currency has to be taken under consideration. It is also important to keep an eye on the exchange rate of dollar and rupees. The price of gold has tripled between the years 1998 and 2008, and each time there was a change in the value of a dollar the price of gold increased.

gold Market

 

3) Only buy gold with complete certainty-

Make sure you are only investing in gold once you are sure you won’t be needing a certain amount of money for the next couple of years. It is highly essential to take this factor under consideration as uncertainty may arise at any point, and one must be ready to deal with it.

 

4) By in small amounts-

It is required by law to disclose when a person buys a large amount of physical gold in a year. A smarter way of dealing with this is to buy small amounts of gold coins every year. This allows the buyer to stay anonymous and thus does not fall under the legal law of disclosing his possession. Buying gold coins in small quantities enable the buyer to use it for their expense.

 

5) Never store gold in banks-

It’s not a good idea to store gold in the bank, despite having personal safety deposit lockers if gold of specific high value or high quantity is found, the bank has the authority to seize the gold without giving out any form of payoff. Storing gold or cash in a safety deposit box is neither a good idea as safety deposit boxes are not insured and thus creating a risk factor.

How to be financially independent

Financial independence is one specific thing that every single person wants to achieve in their life. Being financially independent means doing anything you want without worrying about money. Gaining financial independence does not happen overnight, it takes years of hard work and immense struggle to achieve that position.

Financial independence is when a person has no debts to pay off and can live on their own hard earned money for the rest of their lives. Achieving financial independence involves a lot of sacrifices which may make a person uncomfortable. One of the most important factor to gain economic freedom is to create a proper plan . Expenditure must be planned and done accordingly. Here are a few steps that can help a person to become financially independent-

 

  • Planning-

One of the essential steps in achieving financial independence is planning. One must have a realistic goal set that can be completed in the future. The goal set at the age of 20 by a person might be different when they turn 30. This is perfectly fine as one matures through time so does their way of thinking and understanding things.

 

2) Budgeting-

Having a proper expenditure plan is equally important — a good way to start this to by calculating the necessary expenditure and then preparing an expenditure chart and following it  accordingly. It’s highly important to have fewer expenses compared to income. It is always a good idea to invest a certain amount of money in shares as it provides returns with profit.

Budgeting-Tools

 

3) clearing of existing debts-

It is highly critical that one has clear all prior and existing debts to start becoming financially independent. Loans usually affect the expenditure level thus no budgeting plan can be made until debts haven’t been cleared.

 

4) Career is important-

It is one thing to loved what you do, but if it is not helping you generate high income, then there is not much to it. To become financially independent one has to clear the breaking point and create extra income that can be saved or invested. An excellent way to go about this is to talk with financial experts and get their expertise on how to handle finances.

 

 5) Know how to generate extra income-

It is always good to generate extra income by doing various other forms of work. One can be a part-time consultant and earn a little extra cash by doing so. Acquiring assets such as real estate, cash investments and stocks are great ways of generating additional income.

 

 6) Always be Financially aware-

It is essential to know where you stand on the financial ground. One has to be completely aware of their income, expenditure, and savings at all times.

 

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