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    Investing: 5 Manuscripts: Investing for Beginners, Stock Investing for Beginners, Stock Market Investing, Real Estate Investing, Passive Income
    Investing: 5 Manuscripts: Investing for Beginners, Stock Investing for Beginners, Stock Market Investing, Real Estate Investing, Passive Income
    Investing: 5 Manuscripts: Investing for Beginners, Stock Investing for Beginners, Stock Market Investing, Real Estate Investing, Passive Income
    Ebook211 pages2 hours

    Investing: 5 Manuscripts: Investing for Beginners, Stock Investing for Beginners, Stock Market Investing, Real Estate Investing, Passive Income

    By Alvin Williams

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    About this ebook

    Your Investing Academy



    Get a 360° Education about Investing and Financial Freedom



    This bundle contains five books and represents a complete crash course to learn how to start investing and become financially free.



    If you are currently working a standard job, you are working for money and money is not working for you. This is the worst way to earn money, because you are getting rich at the expense of a life. 



    To increase the capital, it is fundamental to invest money and to let it work for you. The power of investing is just amazing: once you taste it, you will never look back. 



    But how can a beginner get started?



    This is the most frequent question that is asked, when the topic of investing comes out. Most people think that to make money it is important to "find the next Bitcoin", while it is really not the case. Following the right strategies is the only way to get rich. As Bob Proctor says, there is a science of accumulating money and it is fundamental to not deviate from what works. 



    In this amazing bundle, you will learn and discover the secret techniques that rich people apply every day to increase their capital. Not only that, though. You will also understand the common mistakes beginner investors make and how to avoid them. 



    Here is a brief list of what is contained in the bundle:



    • 5 High quality books about investing and passive income

    • A simplified dictionary with the most common terms

    • An in-depth discussion of the strategies used by Warren Buffett, Anthony Robbins and other successful investors

    • An analysis of the main mistakes made by beginner investors and how you can avoid them (this will save you a lot of time and frustration)

    • What to look for in a real estate deal 

    • A list of the main features a stock has to have, in order to represent a good investment opportunity

    • A simple technique to increase the capital trough compound interest on your stock investment

    • 15 strategies to start investing in real estate

    • Your time is important, just know there is much more in this bundle



    You see, this bundle is fundamental if you are serious about getting your money right.



    It is important to note that the bundle does not offer "get rich quick solutions". Easy money does not exists, especially at the early stages. However, by studying the material provided and applying it diligently, it is possible to successfully get started in a matter of weeks. 



    Get the Investing Academy Today and Become a Master of Your Money!

    LanguageEnglish
    PublisherOnline Creative Books
    Release dateJun 14, 2018

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      Book preview

      Investing - Alvin Williams

      Conclusion

      About the Author

      My name is Alvin Williams and I am a professional trader and investor. I have always wanted to understand the language of money and to grasp the tactics that rich people use to accumulate wealth. At first, I thought that they were just lucky. However, after reading Rich Dad Poor Dad by Robert Kiyosaki, I was forced to change my mind. There is a reason why riches keep getting richer and poor people tend to stay broke for their entire life. I dedicated my life to finding this reason and to share it with others.

      After attending seminars all over the world, a friend of mine asked Alvin why don't you write a book about it? I really think other people could benefit from what you know. At first, I was a bit sceptical. I mean, why should others seek advice from me, when there are hundreds of other gurus around? However, after reasoning on it for a while, I came to the conclusion that I had something different: I actually did invest myself. You see, it is so easy to find books and videos by authors that claim to have made millions of dollars, as if it was the simplest thing in the world. I do not even try to claim to have earned so much money. I mean, do not get me wrong, I have made several hundred thousands dollars in my life, but I have yet to come close to the two comma club. Why am I saying this to you? Because I believe in honesty and building trust. After all, I have started writing book as a hobby and I do not need my customers' money to survive. This is what gave me the confidence to stand up and speak my truth: I hope you appreciate it.

      Enough of me, now. It is time to get down to business and start learning!

      Introduction

      Congratulations on downloading Investing for Beginners and thank you for doing so.

      The following chapters will discuss what investing is and how you can get the most out of your money by letting it work for you. When it comes to making an investment, there are a lot of things to consider and this book wants to get into details about every aspect needed to take conscious and smart investing decisions.

      This book will provide you with 30 valuable lessons, given by the best investors in the market. Not only that, though. It will also give you a complete overview of the most famous investing opportunities and an in-depth list of the 15 mistakes every beginner makes and how to avoid them.

      The goal of the book is to speed up your education and save you time and money along the way.

      Before getting started, it is important to note something about mindset. This, as the other books in the series, do not offer get rich quick solutions, since they do not exists. Especially when you are beginning your journey in investing, it is fundamental to focus on learning and acquiring new information, rather than just chasing money. With the right knowledge, results will come much faster and you will be amazed by what you can accomplish, even with a small capital. The book wants to give you the tools you need to get started and share with you some of the golden nuggets that made other people wealthy. If you study this material carefully and start applying it, you will lay out the foundation for prosperity and wealth.

      There are plenty of books on this subject on the market, thanks again for choosing this one! Every effort was made to ensure it is full of as much useful information as possible, please enjoy!

      Chapter 1: Investing or Saving?

      Very often the concepts of saving and investing are confused, as well as that of saver and investor. However, there are substantial differences that need to be understood, before diving deeper into the subject of money.

      In this first chapter we will explain what saving and investing are, analyzing which choice is more convenient today.

      Saving means taking out a portion of income received, that you deliberately choose not to consume immediately, but to store in a bank account for the future. Saving often results in the tranquillity guaranteed by the availability of resources to deal with unexpected situations.

      Savings can then be allocated to investment, and this is the main analogy between the two concepts. The investment may be of the economic type (such as the purchase of a car or a company machinery), or of the financial type (such as the purchase of a security or mutual fund with the objective to see capital grow over time). However, unlike savings, in the case of investing, the achievement of the desired objective is not certain (for example, a stock may lose value), so the result can be negative, compromising the amounts saved.

      Which is better?

      If the question that arises is whether it is better to save or invest, the answer is probably both. The choice depends on your financial situation and your personal goals.

      Savings can be used to invest, but can also be used in other ways. In fact, the money saved can also be deposited in the bank to reduce risks (theft). But this, unlike what many think, is a wrong and unprofitable choice: money, in fact, tends to lose purchasing power over time due to inflation. In other words, if you save 100 Dollars today, in 20 years you will be able to get less out of that money than today. This is why saving money is, often, the wrong choice if you want to get wealthy.

      Assuming an average increase in the cost of living around 2% and a saved sum of 5,000 Dollars, in five years this sum will fall to real 4,500 Dollars, that is 10% less (excluding banking taxes!). Obviously, you can keep the savings at home (under the classic mattress!), But with all the risks that come with it.

      What is the difference between investing and saving?

      Let's repeat it once again to get it better. Saving means to put money aside little by little in order to accumulate a certain sum. Usually you save for a certain goal, like going on vacation, buying a car or for emergencies that could happen.

      Instead, investing means taking a part of the money to make it grow, buying tools that can increase its value like shares, houses, funds or ETFs.

      Who should save?

      Obviously everyone should try to save a part of their money. The rule is to have away on your bank account at least the necessary to survive for three months and cover the main expenses (such as food and rent). This will offer air pocket, in case of inconvenient and unexpected situations.

      Saving is therefore a rule and as every good rule has its exceptions. You can in fact stop putting aside the money when:

      you have too much debt and you are trying to pay it off;

      the family has priority and could not go on in case of unfortunate events to one of its members.

      Even when you have set aside enough for emergencies, you do not have to stop saving. The goal of everyone should be to put aside at least 10% of their salary every month, perhaps starting from 5% and gradually scaling up. To make things easier, you can save money by thinking of any objective, like having enough money for a great honey moon or to get a new car.

      Having a goal is essential, so you know what you're saving for. Every reach person has financial goals, so it is a good habit to pick up.

      When is the time to invest?

      Like when you save money, you need to have a goal to when and how invest your savings. In this case, it is important to know what your short, medium and long-term goals are.

      With short term we mean goals for the next 3 years;

      With medium term, things are planned for the next 3-10 years

      The long-term goals are those for which you will not need the money back for at least 10 years or more

      For short-term objectives, you usually invest through deposit accounts, which allow you to get a minimum return in a short amount of time. However, this has been a bit shrinking in the last period (deposit rates are at the lowest). For the medium-long term objectives it is instead advisable to invest in the market, to avoid the reduction in value that inflation produces on still money. The market guarantees usually higher returns than deposit accounts over longer periods and having a well-constructed portfolio helps a lot in this regard.

      For those approaching or exceeding 30 years of age, having a medium-long term goal is advisable. Investing and setting aside money for retirement can be a good start.

      To sum up the concept, everything depends on your time horizon:

      If you think about using the money within one or three years, save it.

      If you do not need this money for the next 10 years, invest it.

      If, on the other hand, you plan on using the savings in the next 5 or 10 years, but you want to still have money set aside in your bank account, then you will have to do both. Keep in mind that this is much harder and requires more discipline. However, with the right mindset, it is certainly the best option.

      What does investing wisely mean?

      Since the importance of the investment is well established, it should also be emphasized that there is no recipe to guarantee the success of an investment.

      However, following some prudential rules can help minimize risks.

      First of all, we need to avoid the dream of making money over night. On the market there are professional operators, experts, who dedicate all their time to this activity, but they often make mistakes as well. Just to say how difficult it is and how get rich quick schemes do not exists.

      One strategy that every investor needs to master to reduce the risk is diversification. This means not putting all your eggs in one basket, but spreading your resources on different assets. When the invested amount grows it becomes more important to diversify not only between the asset classes (stocks, bonds, commodities), but also geographically (taking into account the currency variable) and size-wise (small or big cap companies to stay within the equity, more or less long maturities for government securities, bonds with different level of risk in the corporate sphere).

      Making these choices takes time, that needs to be subtracted from work or other activities. So, in the end it is about investing time, before moving the money. But it is worth it and, frankly speaking, the only option to avoid reckless choices that you may regret afterwards.

      Chapter 2: 5 Common excuses broke people make to not have money to invest

      Let's not hide behind the common opinion that you do not have money to invest. Do not get us wrong, you may be in the situation where money is tight and you do not have the resources to make a decisive move in the market. However, you can always control your cash flow and add extra streams of income. These will provide you with more money, that you need to save for future investments. We know it is hard, but it is possible and most millionaires started with nothing.

      To us, mindset is extremely valuable and in this chapter we want to debunk once and for all the most recurring excuses people use to avoid or postpone their investments.

      1. I do not have time to invest

      One of the most common excuses is to believe that investing can take away most of the precious time we have available. The truth is that we are committing a big error of assessment. Investing does not require a specific amount of time: you can choose how much time you want to dedicate to it. Obviously, the more the better, but you can even start with few minutes a day.

      Thanks to the advent of internet and new technologies, in fact, investing is now just a click away, thus reducing not only the costs of negotiation but also the time required.

      2. I do not have enough money to invest

      To believe that investing is a subject reserved for those with large quantities of money is one of the worst mistakes we can make. Let's dispel this myth immediately: it is not true that to make money we need big money. There are affordable financial products that do not require the fortunes of Scrooge McDuck to start planning your future.

      From today it is possible to start saving and investing starting from just 5 euros.

      Think about it, 5 euros equals 5 coffees a week. If we had saved a coffee a day for 5 days a week since the euros came into force, until the end of 2016, we would have put aside a small sum of €3865. If these savings, instead of being forgotten in our piggy bank, were invested in global equity markets, at the end of 2016 we would have had €7493. No savings are therefore insignificant to be invested.

      3. I do not have the skills to invest

      One of the reasons that drives us away from investing is to convince ourselves that we do not have the right skills and knowledge. Investing in financial markets may seem apparently difficult but the truth is that you do not have to be Warren Buffett to start doing it. By investing in mutual funds, for example, our savings are entrusted to a team of expert managers who make the investment choices for us on a daily basis. While we let others manage our money, it is fundamental to learn. Remember that the goal is to become an investor that takes care of his resources.

      4. I will invest in a few years when I have a higher salary

      Delaying

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