You may not know it, but there are many ways to invest in real estate. Each of these ways have advantages and disadvantages. If you want to invest in real estate, it’s important to know about these ways before doing a choice and investing in one of them. Or investing in several of them.
For now, I’m not really invested in the real estate market. I just have a small position though my World ETF that has some real estate funds. But I may invest more in the future. For now, I need more stocks, but once I’ve got enough, I may shift a bit of my portfolio into real estate.
Let’s now see the different ways to invest in real estate. There are quite diverse. Each person wanting to invest in real estate should find a way that is adapted.
Continue reading “5 Ways to invest in real estate”
In our Investing series, there is something we didn’t yet cover in details: dividends. A lot of companies in the stock market are paying dividends to their stock holders. That means that if you own a share of Coca-Cola, you’ll receive some cash four times a year, every quarter.
This is a nice way of accumulating cash since it does not require you to do anything. It’s fully passive income. You still need to buy the shares of course. But once it’s done, you’ll get the money. There are many important things to know about these dividends and we are going to cover them in this post. If like me you are investing the entire market, you’ll get some dividends automatically :)
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This year, I wanted to review my goals after 6 months. But I’m really late ;) At first I forgot about it. And then, there were too many posts I wanted to write so I delayed this review for too long.
Last year, I set goals for the year 2018. Setting goals is very important. But it’s also important to review them. If after six months the goals are going bad, it’s important to take actions to improve the chances to meet the goals. Also, sometimes, the goals are not set correctly.
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In the first post of the Cryptocurrencies series, we talked about how cryptocurrencies were working. In the second post, we look at the history of cryptocurrencies. In this post, I am going to discuss what I think is wrong with them.
Personally, I believe that cryptocurrencies are not an investment. When you buy a cryptocurrency, you do not buy any value. You just speculate on the fact that others people will later give higher value than what you paid. This speculation, or even gambling, not investing. Moreover, there are also several problems with investing in a cryptocurrency that you do not have with stocks. Let’s see what they are!
Continue reading “The 5 biggest problems of investing in cryptocurrencies”
In the previous post about cryptocurrencies, we talked about what were cryptocurrencies. We especially talked about how cryptocurrencies really work. You should now know more about block chain, cryptography and miners.
In this post, we are going to talk about the history of cryptocurrencies. How it all started with the bitcoin. And how it all expanded into several thousands alternative cryptocurrencies. Most of the history will be related to bitcoin since it was the first cryptocurrency. And it was also the one that made the more headlines over the years ;)
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If you read financial news or finance blogs, you probably have heard (a lot) about cryptocurrencies and especially Bitcoin. You probably have read some success stories where people made a fortune investing in one cryptocurrency. You also probably have read stories where people have lost a fortune with them. But what is a cryptocurrency really ? And how do they work ?
In this post, I’m going to try to answer these questions for you. I’m thinking that this could be interesting to know exactly how they work. You probably have heard of the words block chain or miner or even hash function. We are going to see how they come into play for cryptocurrencies. I’m not going to cover the investment quality of the cryptocurrencies in this post. I plan to discuss that in another post. I will also discuss the history of cryptocurrencies in a later post.
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If you are following personal finance blogs or podcast, you probably have heard the name of Warren Buffett. He’s very famous in the community. Warren Buffett is a very successful investor. He made a fortune from nothing. This the first reason he’s famous in the community. The second reason is that he advised his fortune to be invested in index funds once he passes away. This is one of the few big investors who are supporting index funds. Finally, he also beat the market many years. Which is something very difficult.
Being one of the richest persons in the world also helps making him a very well-know figure. In this post, we are going to look at the history of Warren Buffett first. Some numbers may not seem much in the early years. You need to take into account inflation. 1000 dollars 70 years ago are worth around 10’000 dollars now. We are especially going to focus on the biggest investment he did. Then, I’m going to talk about some important traits of the man. This is going to be a long post ;)
Continue reading “Who is Warren Buffett ? The man and its investments”
If you are interested about personal finance, you should probably have come across the term Emergency Fund. An emergency fund is simply some money, available directly, that you can use in case of emergency.
It’s an interesting subject since not everybody agrees on it. Some people have an emergency fund that can cover one year of expenses. And some people think you don’t need one. Personally, I don’t think an emergency fund is a bad thing. But you should be aware of its cost. I think that too much people put too much emphasis on the emergency fund. In this post, we are going to see both sides of the story. We are going to see in details what an emergency fund is.
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My new job at Pied Piper is offering my an Employee Stock Purchase Plan (ESPP). This is the first time I’m working for a company that offers such plan. As such, I’ve been researching my options for how to handle this ESPP. Basically, an ESPP is a plan to use some of your income to get shares of your company at discount price.
In this post, I’m going to present my ESPP plan. I’m also going to present many strategies that exist to decide when to sell shares coming from an ESPP. Finally, I’m going to present the strategy I decided to use for my ESPP shares.
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We have talked about many things now in the Investing series. We have covered index funds in details. Finally, we have covered several portfolios such as the Three-Fund portfolio and its variants and a few other lazy portfolios. But there is something we haven’t covered yet. It’s Target Retirement Funds.
Many people are investing for retirement. They may know for instance that they want to retire in 20 years. Given that and their age, it’s likely that their allocation to bonds will increase over the years until retirement. Most people will do that by changing their allocation every few years. Either by rebalancing or by injection of new capital. But there is another way. Target Retirement Funds will automatically change their bond allocation overtime.
In this post, I’m going to cover Target Retirement Funds. We are going to see what is good with them and what is not.
Continue reading “Target Retirement Funds – Too much simplicity ?”