Sounds confusing? Little introspection and you get the answer.
I am sure most of you would be implementing the second option i.e. invest first and then plan accordingly to meet your future goals. People invest in different asset classes and investment options; and then plan to allocate those investments for achieving their goals. This is the most common mistake investors make. The right strategy and option is to plan for your future goals and then invest accordingly for achieving it successfully.
Like Mr. Shekhar who is keeping all his savings in fixed deposit which, he plans to utilize for his daughter� marriage after 10 years. But do you think his investment will suffice for his daughter� marriage? Will this amount after 10 years beat the inflated cost of marriage? That is the reason why you need to plan first and then invest.
Why do you need to plan?
It is very important and necessary to plan before investing because you need to know the exact asset allocation required for achieving your goals. You need to know when and where your money needs to be invested. Asset allocation depends on the duration earmarked to achieve your goals and your risk appetite. For your short-term goals, you should invest in debt instruments, while for long-term goals you can have an exposure to equity depending upon your ability to take risk. Asset allocation also helps you to diversify your portfolio.
Your investment should be able to beat inflation implying that investments made by you should fetch you higher returns than the rate of inflation. So that the future investment value helps you to achieve the future inflated (raised) cost of your goals. Your investments should not be eaten up by the rising inflation.
You should also know that whether your existing investments will bear fruits in future and how can these be allocated to achieve any of your goals. Most of the people invest by taking advice from their friends, relatives, colleagues or agents.
Top 10 Heal Care Stocks To Watch For 2015: Toll Brothers Inc.(TOL)
Toll Brothers, Inc., together with its subsidiaries, designs, builds, markets, and arranges finance for single-family detached and attached homes in luxury residential communities. It is also involved in building or converting existing rental apartment buildings into high-, mid-, and low-rise luxury homes. In addition, the company develops, owns, and operates golf courses and country clubs associated with various planned communities, as well as individual communities. It serves move-up, empty-nester, active-adult, age-qualified, and second-home buyers in 19 states in the United States. Toll Brothers, Inc. was founded in 1967 and is headquartered in Horsham, Pennsylvania.
Advisors' Opinion:- [By Amanda Alix]
Homebuilders have seen their fortunes rise, too, particularly those playing either end of this particular boom. Luxury builder Toll Brothers (NYSE: TOL ) reported a sweet 46% increase in net income�from the first quarter of 2012, aided by an ability to tack on price increases averaging $26,000 per house�-- bringing the average price of a Toll house to a cool $577,000. Beazer Homes (NYSE: BZH ) is playing the single-family rental end of things, via its Pre-Owned Homes Division, a two-year old venture it started with Kohlberg Kravis Roberts (NYSE: KKR ) .
- [By Dan Carroll]
When looking to invest in the United States' future growth, look for the catalysts behind its strengthening economy and rising worker pay. The housing market's recovery has been one of the major storylines of America's growth, and homebuilders are poised to capitalize on this trend. Toll Brothers (NYSE: TOL ) has already surged on the housing industry, as rising orders pushed the company's first-quarter profit up by 46%. Similarly, home-improvement retailers are also in line to thrive on a bullish housing market. Home Depot (NYSE: HD ) has extended its lead over its rivals while growing earnings by 18% in the first quarter,� Housing's recovery will create jobs and help boost worker pay in the U.S., but it's also poised to reward investors in a big way.
- [By Dan Caplinger]
Toll Brothers (NYSE: TOL ) will release its quarterly report on Tuesday, and on the whole, investors have seen the homebuilder's stock hold up reasonably well compared to some of its rivals. PulteGroup (NYSE: PHM ) and Hovnanian (NYSE: HOV ) have pulled back much more severely so far in 2013, with their shareholders worried about whether the big rebound in home prices will survive higher interest rates or whether another leg down for the housing market could hurt profits one more time.
Hot Heal Care Stocks To Invest In Right Now: U.S. Physical Therapy Inc.(USPH)
U.S. Physical Therapy, Inc., through its subsidiaries, operates outpatient physical and occupational therapy clinics in the United States. Its clinics provide pre-and-post operative care and treatment for orthopedic-related disorders, sports-related injuries, preventative care, rehabilitation of injured workers, and neurological-related injuries. The company also offers physician services to third parties; and operates clinics, which specialize in the outpatient, non-surgical treatment of osteo arthritis degenerative joint disease and other musculoskeletal conditions. As of December 31, 2011, it operated 416 clinics in 42 states; and managed 15 physical therapy facilities for third parties, including physicians. The company focuses its marketing efforts on physicians comprising orthopedic surgeons, neurosurgeons, physiatrists, internal medicine physicians, podiatrists, occupational medicine physicians, and general practitioners. U.S. Physical Therapy, Inc. was founded in 1 990 and is based in Houston, Texas.
Advisors' Opinion:- [By Seth Jayson]
Calling all cash flows
When you are trying to buy the market's best stocks, it's worth checking up on your companies' free cash flow once a quarter or so, to see whether it bears any relationship to the net income in the headlines. That's what we do with this series. Today, we're checking in on US Physical Therapy (NYSE: USPH ) , whose recent revenue and earnings are plotted below.
Hot Heal Care Stocks To Invest In Right Now: Solarwinds Inc.(SWI)
SolarWinds, Inc. designs, develops, markets, sells, and supports enterprise information technology (IT) infrastructure management software for IT professionals in various organizations in the United States and internationally. The company offers enterprise-class IT management products, including Network Performance Monitor, a server-based fault and performance management platform to minimize network downtime; Network Performance Monitor modules, a series of add-ons; network configuration manager to automate the processes of network device discovery, network inventory management, and network change management; user device tracker, a server-based switch port management tool; scalability engines to increase the scale of a number of the products; and enterprise operations console to provide web-based views of various instances of Network Performance Monitor modules and Application Performance Monitor. Its enterprise-class network and IT management products also comprise Applic ation Performance Monitor, a server-based availability and performance management system for applications and server infrastructure; patch manager to automate the process of deploying, managing, and reporting on patches and configuration settings; and synthetic end user monitor to capture the user steps of any web application and monitor the end-user experience; storage manager that combines reporting, monitoring, and notification on the performance of storage resources; backup profiler to provide a consolidated view of the status of backup operations; virtualization manager to manage various aspects of virtual server infrastructure; and log and event manager to automate the collection and interpretation of logs. In addition, the company provides free tools, such as desktop, laptop, server-based, or internet-based applications; and tools and toolsets for specific solutions of routine and complicated tasks. The company was founded in 1999 and is headquartered in Austin, Texas .
Advisors' Opinion:- [By Hilary Kramer]
Next Page
Tech Stocks That’ll Survive: SolarWinds (SWI)SolarWinds (SWI), contrary to what you might think from its name, is not a solar company. It is a software company with a presence in both virtualization and security, and offers solid profit potential thanks to dedicated customers and a growth rate that is already outpacing the overall industry.
- [By Travis Hoium]
What: Shares of SolarWinds (NYSE: SWI ) dropped 14% today as investors reacted to the company's acquisition plans.
So what: Yesterday, the company announced it will buy N-able, a cloud-based IT infrastructure company, for $120 million. This is expected to reduce 2013 earnings and there's no guarantee the acquisition will pay off, so investors sold off shares today. �
Hot Heal Care Stocks To Invest In Right Now: Energizer Holdings Inc (ENR)
Energizer Holdings, Inc. (Energizer), incorporated on September 23, 1999, is the manufacturer and marketer of primary batteries, portable lighting and personal care products in the wet shave, skin care, feminine care and infant care categories. The Company manufactures and sells products in five product categories: wet shave, skin care, feminine care, infant care, battery and portable lighting products. On October 23, 2013, it completed the acquisition of the Stayfree pad, Carefree liner and o.b. tampon feminine hygiene brands in the United States, Canada and the Caribbean from McNeil PPC, Inc. and Johnson & Johnson, Inc., members of the Johnson & Johnson Family of Consumer Companies.
Personal Care
The Personal Care division includes wet shave products sold under the Schick, Wilkinson Sword, Edge, Skintimate and Personna brand names, skin care products sold under the Banana Boat, Hawaiian Tropic, Wet Ones and Playtex brand names, and feminine care and infant care products sold under the Playtex and Diaper Genie brand names globally. The Company manufactures and distributes Schick and Wilkinson Sword razor systems, composed of razor handles and refillable blades, and disposable shave products for men and women. The Company markets its wet shave products globally. The Company also manufactures, distributes and sells a complete line of private label and value-priced wet shaving disposable razors, shaving systems and replacement blades. These wet shave products are sold primarily under a retailer's store name or under value brand names such as Personna and GEM.
Household Products
Energizer's Household Products division manufactures and markets product portfolios in household batteries, specialty batteries and lighting products. In household batteries, the Company offers batteries using carbon zinc, alkaline, rechargeable and lithium technologies. The Company distributes its portfolio of household and specialty batteries and portable lighting products th! rough a global distribution network, which also provides a platform for the distribution of its personal care products.
The Company competes with Duracell International, Inc., Panasonic Corporation, Procter & Gamble Company, Bic Group, Kimberly-Clark Corp., Merck & Co., Inc. and Johnson & Johnson.
Advisors' Opinion:- [By John Udovich]
Small cap wireless charging stock Energous Corp (NASDAQ: WATT) had a spectacular IPO debut last Friday plus it rose another 39.41% today, meaning its worth taking a closer look at the stock along with the performance of a few other players in the wireless charger or charging niche like Qualcomm, Inc (NASDAQ: QCOM) and Energizer Holdings, Inc (NYSE: ENR). After all, wireless charging would eliminate the clutter of wires and charging devices surrounding everyone�� desk, workspace or home. Moreover, a 2011 article�in the Independent.co.uk quoted an analyst at�IHS as saying the wireless charging market would rise from $123.9 million in 2010 to reach $885.8 million in 2011 and then�grow exponentially in 2012 when revenue�was expected to increase by 276%. By 2015, market growth was expected to ease to 48% as revenue from wireless charging devices hits the $23.7 billion level.� ���
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