If at first you don’t succeed, Try, try, try again
Most Main Street investors want more opportunities to learn how to plan for the future.
By Yvette Butler Jan. 13, 2016, at 11:00 a.m.
Most Americans know they should be saving for retirement, but claim lack of confidence and distrust in the markets inhibit them from proactively planning for the future.
How can today’s investors feel more confident about the markets and their investing decisions? Education might be the key, and the good news is a variety of quality, easy-to-use tools designed to help investors understand market dynamics, individual investment alternatives and how to leverage tried-and-true investing principles to work toward a better future are available right at their fingertips.
Research shows most Main Street investors want more opportunities to learn how to plan for the future. In fact, according to Capital One Investing’s 2015 Financial Freedom survey, 60 percent of everyday investors say self-guided education and timely research on investing options will help them be better investors, and 58 percent want access to advisory services at an affordable cost.
If you are just getting started or want to be more engaged in planning for retirement, here are a few ideas that may help you feel more in control as you plan for your financial future.
Take advantage of free digital tools. Many online brokers offer free online and mobile tools that provide real-time access to the markets, third-party research on companies and economic events, educational articles on topics such as dollar-cost averaging and diversification, and retirement calculators to help you better understand your goals (and how to reach them). Many of these digital platforms also offer low-cost investing options to help you get started while establishing investing habits, like automatic investing plans, alerts and rebalancing functionality.
Access unbiased advice. For investors who want an expert to listen to their concerns, help them build a plan, discuss their options or offer guidance on the markets and economy, a financial advisormay be a good resource to turn to. Advisors can play many roles – they can help validate your decisions or guide you toward a strategy that’s appropriate for your circumstances, and they can help ensure you’re thinking holistically about your future (which may include planning for education or illness, managing life insurance and estate planning). And in times of market volatility, advisors can help you understand market dynamics and keep a clear head while making decisions based on your long-term strategy (rather than fear). Remember, if you opt to work with an advisor, you can still have a hand in managing your portfolio. Often a combination of self-directed digital engagement and monthly or quarterly advisor check-ins help investors feel secure about their plan, but not overwhelmed by decision-making.
Hold yourself accountable. Engage your partner and family to make financial planning a priority. Discuss your plan and the various ways you can stick to it. According to our Financial Freedom survey, only 16 percent of Americans discuss retirement on a daily or weekly basis with their spouse, and 32 percent say they never discuss retirement with their spouse. The more you sweep finances under the rug, the more stressful it can be when it’s time to make a big purchase, or a life change (like retirement) approaches. Regular communication will not only help you and your family stay on the same page, it will also help you remember to check in on and readjust your investments as needed to stay on track for your future.
By taking advantage of free digital tools, low-cost brokers and unbiased professional advice, you and your family can make financial education and planning a regular topic of conversation, which will help you keep your goals front and center. Remember, managing your finances may seem like a complicated process, but with a little time and effort, you’ll be feeling confident and ready to invest with assurance and conviction.
Securities are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRA/SIPC. Advisory services are provided by Capital One Advisors, LLC, an SEC registered investment advisor. Insurance products are offered through Capital One Agency LLC. All are subsidiaries of Capital One Financial Corp.
FROM ME:
Phoenix Commercial Real Estate and Investment Real Estate: investors and Owner / Users need to really know the market today before making a move in Commercial Properties or Investment Properties in Phoenix / Tucson / Arizona, as the market has a lot of moving parts today. What is going on socio-economically, what is going on demographically, what is going on with location, with competing businesses, with public policy in general — all of these things affect the quality of selling or purchasing your Commercial Properties, Commercial Investment Properties and Commercial and large tracts of Residential Land in Phoenix / Tucson / Arizona. Therefore, you need a broker, a CCIM (Certified Commercial Investment Member) who is a recognized expert in the commercial and investment real estate industry and who understands Commercial Properties and Investment Properties.
I am marketing my listings on Costar, Loop-net CCIM, Kasten Long Commercial Group. I also sold hundreds millions of dollars’ worth of Investment Properties / Owner User Properties in Retail, Office Industrial, Multi-family and Land in Arizona and therefore I am working with brokers, Investors and Developers. I am also a CCIM and through this origination ( www.ccim.com ) I have access to marketing not only in the United States, but also international. Click here to find out what is a CCIM: https://en.wikipedia.org/wiki/CCIM
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http://walter-unger.com/?p=15472
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Click here to find Reasons to Consider me for Commercial Referrals
http://walter-unger.com/?p=15010
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Click here to View My Listings and Profile
http://www.loopnet.com/profile/14101172900/Walter-Unger-CCIM/Listings/
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Click here to find out what is a CCIM:
https://en.wikipedia.org/wiki/CCIM
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Click here to view my website:
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Interactive Map Of All 10+ Unit Apartment Listings in Metro Phoenix
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3rd QTR 2015 GREATER PHOENIX APARTMENT OWNER’S NEWSLETTER Kasten Long Commercial Grpup.
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Click here: No Slowdown in New Construction in Q3 – Apartments
http://walter-unger.com/?p=15073
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Click her to join my mailing list :
Walter Unger CCIM – walterunger@ccim.net – 1-520-975-5207 – http://walter-unger.com
WHY PHOENIX ARIZONA : ???
http://walter-unger.com/?p=13391
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Timeline of Phoenix, Arizona history
http://en.wikipedia.org/wiki/Timeline_of_Phoenix,_Arizona_history
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http://en.wikipedia.org/wiki/Phoenix,_Arizona
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Facts of Arizona – year 1848 to 2013
http://walter-unger.com/?p=9507
Feel free to contact Walter regarding any of these stories, the current market, distressed commercial real estate opportunities and needs, your property or your Investment Needs for Comercial Properties in Phoenix, Tucson, Arizona.
walterunger@ccim.net 1-520-975-5207
Check out my professional profile and connect with me on LinkedIn.
https://www.facebook.com/ungerccim
https://twitter.com/Walterunger
https://plus.google.com/u/0/b/114560883588623379451/
Kasten Long Commercial Group tracks all advertised apartment communities, including those advertised by other brokerages. The interactive map shows the location of each community (10+ units) and each location is color coded by the size (number of total units).
Click here for Map of Apartments for Sale (10+units)
Walter Unger CCIM, CCSS, CCLS
I am a successful Commercial / Investment Real Estate Broker in Arizona now for 20 years. If you have any questions about Commercial / Investment Properties in Phoenix or Commercial / Investment Properties in Arizona, I will gladly sit down with you and share my expertise and my professional opinion with you. I am also in this to make money therefore it will be a win-win situation for all of us.
Please reply by e-mail walterunger@ccim.net or call me on my cell 520-975-5207
Walter Unger CCIM
Senior Associate Broker
Kasten Long Commercial Group
2821 E. Camelback Rd. Suite 600
Phoenix , AZ 85016
Direct: 520-975-5207
Fax: 602-865-7461
Reasons to Consider me for Commercial Referrals
Delivering the New Standard of Excellence in Commercial Real Estate
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The information in this blog-newsletter is for general guidance only, and does not constitute the provision of legal advice, tax advice, accounting services, investment advice, or professional consulting of any kind. The information provided herein should not be used as a substitute for consultation with professional tax, accounting, legal, or other competent advisers. Before making any decision or taking any action, you should consult a professional adviser who has been provided with all pertinent facts relevant to your particular situation. Tax articles in this e-newsletter are not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding accuracy-related penalties that may be imposed on the taxpayer. The information is provided “as is,” with no assurance or guarantee of completeness, accuracy, or timeliness of the information, and without warranty of any kind, express or implied, including but not limited to warranties of performance, merchantability, and fitness for a particular purpose.