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Every savvy investor want a good solid investment portfolio.  However, when you come to think of it only some of us ever make it to having a well balanced and successful investment portfolio. Have you ever wondered why this is? The answer is simple. It can all be attributed to common mistakes made by everyday and professional investors. Listed below are some of the more common mistakes made by individuals when investing.

Investing Portfolio: Mistakes To Avoid

1. Debt Accumulation: This may sound a little strange but consumers at times feel that credit card debt need not be paid back. This could be a real issue. Accumulating credit card debt quickly eats into your ability to invest as your too busy paying back the credit cards and other revolving lines of credit that you have been racking up. Make sure that you aren’t trying to create investments by increasing your credit card debt.
2. Missing The Bus: This is exactly what it sounds like. Investors often are of the opinion that they might just hold on a little longer before starting off their investment portfolio and in so doing the quite literally miss the bus. Opportunities in the investment market are meant to be taken advantage of.  While it is never good to be rash and hasty with investments, being over patient could be the difference between buying shares at $1.00 and buying the same stock at $25.00.
3. Being Conservative: If you invest all of your funds in cash or fixed interest investments, out of the fear hat your investment portfolio may be lost, 9 out of ten times you can be assured of medium to poor return.  The market rewards investors who have the appetite to take on a bit of risk. No one is asking you to go and put your money down as if you were Las Vegas. It may be beneficial to take certain calculated investment risks, as the risk-reward returns are far greater. Historically, for instance, international stocks have always outperformed domestic equity.
4. Diversification: This is possibly the most common mistake made by investors. Placing all you eggs in the one basket could be hazardous for investment portfolio. The simple reason being, your entire portfolio depends on the rise or fall of one particular sector. However, if your investments were spread across a few different sectors like property, small companies, domestic equity, commodities, international equity and fixed interest, you would be much better protected against market and other investment related risks.
5. Investing With Emotions: Investments are not your grandmother’s pearls. When investing you must be devoid of emotions. Do not hold on to a stock if it is not performing or has not been paying dividends.  The fact that you like a stock or got some stock as an inheritance and owing to that it has emotional value, should never be a material factor as investments are meant to produce returns and if they do not they are supposed to be swapped for other investments.

In addition to the above mentioned mistakes, consumers can also  of ten make mistakes by holding on to a stock or investment for too long and  can also some times over pay for a stock. These mistakes are what keep portfolio form performing well and being able to take advantage of opportunities in the market.

References:

1. 8 Common Investing Mistakes – The Motley Fool

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Bond investments yield a regular coupon payment and return the face value of the bond upon maturity. However if you are after steady income it might be advisable to stick with short to medium term bonds. While investing in bonds seem as one of the safest investments on the market, they are not entirely free from risk.

Long Term Investment Bonds – Risks

Mentioned below are some of the risks associated with investing in bonds:

• Interest Rate Risk: One of the major risks associated with investing in bonds is the interest rate risk. Simply put, this denotes that short term bonds are the safest as there is usually minimal interest rate fluctuation over the short term, in comparison to long term, high-yield or junk bonds which are subject to higher interest rate fluctuations. One fact that needs to be taken into consideration is that the longer the term of the bond the higher the return while the greater the interest rate risk and vice versa. Investors should consider the time frame of the bond while investing because at times it may be more prudent to invest your money elsewhere and hedge your returns against inflation.
• Assumed Risk: This risk refers to credit rating risk. Credit ratings allows investors to make more informed decisions while investing in bonds. The major bond ratings agencies are S&P and Moody’s. Bonds with higher ratings carry lower risk and bonds with lower ratings carry higher risk. Bonds which have a rating of triple-B and above are considered investment grade. It is safe to assume that in a bull market junk bonds may be a safe option but in a bear market investment grade and higher bonds are the usual bond investment choice.
• Bonds May Be Called: Certain bond investments may have the option of being called back by the issuer. This is done in order to protect the bond issuer from paying higher interest rates. The bond investments which have call back options entitle the bond holder to receive a predetermined amount on the call date prior to the maturity of the bond. This however constitutes the risk that you may have to reinvest your money at a lower interest rate.

Advantages Of Bond Investing

Listed below are some of the advantages of investing in bonds:

1. Bond investments are considered predictable investments. This is because you know how much of interest you will receive, when you will receive it and how much money you will receive upon the maturity of the bond.
   
   
2. Investing in bonds is considered to be more stable than stocks. This is true more in bear market owing to the stable nature of bonds.
3. Retirees and long-term investors consider bond investment the safer option as it assures them of a fixed income stream should they decide to buy and hold the bond.
4. The interest rate paid by a short term bond usually exceeds that offered by a bank’s savings account.
5. Certain bond investments, e.g. municipal bonds offer tax exempt income.
6. In comparison to other forms of investments, a bond investment require less management.

Disadvantages Of  Bond Investing

Some of the disadvantages of investing in bonds are:

1. Bonds offer no hedge against inflation rates as inflation is one of the main reasons why bond prices fall.
2. Bonds offer lower interest rates in comparison to stocks over the long term.
3. Bond investment prices may vary depending on market interest rates.
4. There is chance that certain corporations or government subsidiaries may go bankrupt thereby leaving your bond investments worthless.
5. Long term bond investments usually tie up funds for a long time which can be invested elsewhere for better returns.

These are some of the advantages and disadvantages of investing in bonds and once you have read everything about investing in bonds and learned all the facts, you are likely to be more aware of what it takes before investing in bonds.

References:

1. Investing in Bonds Factsheet – Ohio State University
2. Buying Bonds: Advantages and Disadvantages – RL Rouse

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Certain investors consider bonds a safer investment in comparison to more traditional forms of financial instruments like stocks or managed funds. However this is not always true. While bonds are definitely less risky when managed efficiently, with poor management investing in bonds, can be the reason for wiping out your entire portfolio.

The US bond market has various forms of bonds available for investment. Some of the most common variety of bonds issued in the market are US government securities, municipal bonds, corporate bonds, mortgage and asset backed bonds, federal agency securities and foreign government bonds. Bond investments can also be issued in the forms of bills, notes, debt obligations and debt securities. Listed below are some of the important facts about investing in bonds which investors need to know prior to considering investing in them.

Long Term Bond Investment Tips

• Bonds Can Be Considered I.O.Us: Bonds are a way to fund specific operations or projects be it in the public or the private sector. When government agencies or large corporations want to raise secured finance, they do so by issuing bonds in the primary market and as a result are known as issuers. When individuals purchase these bonds, they become bond holders and as a result of which own secured credit.
• Stocks Vs Bonds: For long it has been a misconception that stocks outperform bond investments owing to the fact that stocks are seen as more volatile and hence are considered to return greater value to their investors. However long term moving averages when compared would disagree. It is only in the post World War II era that stocks have outperformed bonds. Between the years 1870 to 1940 both stocks and bonds had early the same returns. However in the bond market of 2001-2003 bonds once again over took stocks. Although stocks did better in between 2004 and 2007 by the year 2008 bonds once again had taken over.
• Investing In Bonds Can Cause You To Lose Money: The age old saying that bonds are the safest investments on the market may not hold as much water as it once did. As seasoned institutional investors will testify, bond investments can cause you to lose money if not managed efficiently. While investing in bonds represent fixed interest investments, because of their fixed life span and fixed interest payments, the returns a bond may generate may vary and may also sometimes be negative causing you to lose money.
• Bond Prices Are Negatively Related To Interest Rates: With the rise in interest rates in the market bond prices will fall and vice versa. However for an investor who is going to hold his or her bond investment to maturity, interest rate fluctuations do not matter as the investor will get back the face value of the bond upon maturity plus all the interest payments over the life of the bond.
  
  
• Bonds and Mutual Funds Are Mutually Exclusive: Investors often confuse bonds and mutual funds. With a bond investment, investors have the guarantee that they will receive the face value of the bond upon maturity plus all the interest payments over the life of the bond, unless the issuer goes bankrupt. However in the case of a mutual fund the return an individual investor can expect is uncertain owing to the fact that the actual value of the mutual fund fluctuates.
• Tax-Free Bonds: While tax free bonds might yield less that taxed bonds, it might be prudent to hold certain tax-free municipal bonds depending upon the tax bracket you fall under. For example if you are in the 28% federal tax bracket it would be better to hold tax-free bonds owing to the fact that they will net you more in comparison to taxed bonds after tax.
• Invest Long Term In Bonds: A very common issue with investing in bonds is the time factor. A lot of investors sell their bond investments prior to maturity and as a result of which may sometimes experience very little capital gains or in certain cases capital losses. However investors who can hold their bond investment till maturity need not worry about interest rate fluctuations or varying yield.

While investing in bonds is a safer option by comparison, it is always advisable as with any investment, that consumers should carry out sufficient research and seek the advice of a professional prior to investing in bonds.

References:

1. Investing in Bonds, Top Things to Know – CNN Money
2. Bond Basics – Securities Industry and Financial Markets Association

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When one thinks of investing in bonds, some of the first thoughts to come to mind are “safe”, “reliable” and “stable”. However, the misconception among many investors that investing in bonds is only for the faint hearted, is not entirely true. If your investment portfolio is used inefficiently and carelessly, bond investments can utterly ruin your portfolio but on the other hand if managed properly bonds are one of the safest and most reliable investments offering long term capital growth and returns. In today’s ever changing and fast paced business environment, the bond investment market has seen a lot of evolution and this has set the foundation for the issue of various newly developed bond products with varying risk-return ration to suit different investors and risk profiles. [...]

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An investor would be hard-pressed to find an investment market with as much appeal as the Gold / Bullion market has. In today’s complex investment market there are numerous ways in which an investor can invest in gold. However as form of investment, investing in gold too has its own set of advantages and disadvantages. Listed below are some of the advantages and disadvantages of gold investment.

Advantages Of Investing Money In Gold

Some of the advantages of investing in gold are as follows:

• Market Diversification: Owning Gold Stocks can allow an investor to diversify their portfolio. The one catch with investing in gold stocks is that while the company may see its share prices fall the actual price of the commodity itself may be soaring. The reverse is also true. One such example which springs to mind is during the great depression when gold stocks were through the roof even though it became illegal to own physical gold.

• Asset Diversification: Gold is considered a universal currency owing to its value and gold investment is therefore always considered a good idea. Every good portfolio does include a bit of direct gold in it. While gold is not an investment per se, it provides investors with a hedge against market fluctuations or currency fluctuations and even in the case of geo-political uncertainty.

• Liquidity: While gold is not as liquid as stocks or other near money instruments, it can easily be bought or sold on a variety of markets and can painlessly be converted in to cash and that is why people like investing in gold. For an asset with as much intrinsic value as gold this is a great trait to have.

• Privacy Of Investment: Unlike stocks and shares which are subject to mandatory government reporting, gold investment does not fall under any such regulation. In addition to this, gold can also be incorporated into your IRA or SEP accounts.

Disadvantages Of Investing Money In Gold

Some of the disadvantages of investing in gold are:

• Market Cycles: In a broad market cycle it is hard to determine which will be subject to more speculation bullion or gold stocks. In addition to this, unlike gold itself gold stocks are subject to bull and bear market cycles and the commodity itself could be subject to government regulations, with regard to holding etc. In addition to this the prices of gold invesment stocks are linked to the commodity itself which is the more volatile of the two.

• Company Risk: Owing to the fact that at the end of the day individual investors buying gold stocks are dealing with companies, they are subject to a whole new other set of risks. These gold investment risks could range from government regulations on the company or the industry, change of management, commodity price fluctuations, law suits, political risks, currency fluctuations etc.

• Gold ETFs: When it comes to investing in gold, consumers might feel that owning gold exchange traded funds (ETF)is kind of the middle ground between owning physical gold and gold stocks. However, even gold etfs have disadvantages. Primarily with gold etf’s there are fees and charges that eat into your costs. Moreover there are also commissions which are an add on for every buy and sell. In addition to this, owing to the fact the ETFs are actively managed, there are management risks and overall turnover risks as well which might be associated with your Gold ETFs.

The above mentioned is just a snap shot at some of the advantages and disadvantages of investing gold in its various forms. While gold is a versatile investment and attracts investors in various shapes and forms, it is also advisable that investors be prudent while investing and completely consider and understand all their gold investment options.

References:

1. Advantages and Disadvantages of  Investing in Gold – Money Energy
2. Advantages of Gold – Blanchard Online

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Gold being one of the most precious metals in the world has attracted investment professionals, novices and even institutions for as long as one can remember. Owing to its value not only has investing in gold been a great medium of exchange it has also been a great medium for individuals to store wealth, protect themselves against currency fluctuations and also as a safeguard against geopolitical risks.

An investor would be hard-pressed to find an investment market with as much appeal as the Gold / Bullion market has. In today’s complex investment market there are numerous way in which an investor can invest in gold. Some of the more common forms of bullion investment have been listed below.

Investing In Physical Gold

It could be said that every well diversified investment portfolio should hold a bit of physical gold in it. This is a great way to diversify an investment portfolio owing to the fact that it has universal appeal and every major bank in the world holds gold in it’s reserves. While it is not a gold investment in the literal sense of the term, it can be regarded as a hedge against various foreseeable and unforeseeable market and other risks.

Investing In Gold Bullion

These gold investment options allow investors the opportunity to own investment grade gold/bullion at a slight premium in comparison to the spot price as quoted on the market. Owing to the cost of insured delivery and security implications, larger bars of gold are not taken delivery of and are usually held by banks and large institutional investors.

Investing In Gold Certificates

This is another good way for investing in gold. The only government backed precious metal certificate in the world is the PMC (Perth Mint Certificate) program. With the PMC, investors can own bullion in either allocated or unallocated accounts. The PMC is rated AAA by S&P and is considered the safest way to invest in gold and own Gold bullion.

Investing In E-Gold

This form of gold investment is also known as Digital Gold Currency. Owing to the fact that this type of investing in gold is an emerging sector, there are fears that there might be certain scam artists operating in the field. Since the issuers of these certificates are not banks, they do not need to comply with strict banking regulations. However in the recent past Goldmoney.com and Bulliotrust.com have gather a lot of consumer confidence among those interested in investing in gold.

Allocated Accounts For Gold Investing

Allocated accounts allow investors to buy gold from certified bullion brokerages as a form of gold investment. These brokerages in turn, after the purchase of bullion has been completed transfer the gold to the individual’s depository account which is usually held in a bank. The owner has title to the specific gold held within the depository account. When investing in gold, it is recommended that investors should conduct adequate research and due diligence on the providers of these allocated accounts.

Derivatives For Gold Investing

Gold because of its versatility and value is heavily traded on the secondary market. Investors can make a gold investment by purchasing gold derivatives such as futures, forwards, options etc, either over-the-counter (OTC) or directly in private markets. For those interested in investing in gold derivatives, futures are primarily traded in the US on the New York Commodities Exchange. In the year 2006 India released a 100 gram gold futures as well.

Although the above mentioned forms of investing in gold are not exhaustive, they give consumers a fair idea as to what forms of bullion and gold investing are available in the gold investment markets. It is however advisable that as with any investment, consumers should carry out adequate research and seek professional advice prior to investing in gold.

References:

1. A beginner’s guide to investing in gold – Money Week

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The word recession has been the buzz word circulating the investing markets for some time now. Although some of the experts claim we may have hit the bottom of the market and are on our way to recovery, the question of the eager investor “where should I invest my money during a recession: still remains unanswered. The answer however to this might be: Real Estate.

Real Estate Investing During A Recession

The fact of the matter still remains that we have seen one of the worst real estate market collapses of modern history. The sub-prime crisis has left behind it a trail of a devastated real estate property market and has pushed the economy into a recessionary phase. However for the opportunistic investor who has saved for a rainy day this has brought a plethora of real estate investment options. With bank interest rates being the lowest since the 1960’s getting real estate loans has never been more affordable. Consumers find that they can easily service property investment loans and a lot of people are jumping head on into the property market.  It  may be noteworthy that with interest rates being at an all time low and this coupled with the fact that there is inadequate demand to correspond to the supply of real estate property available on the market, this has led to a sharp decline in real estate prices.

Tips On Real Estate Investment During A Recession

Property investment can be tricky business so below listed are a few points which might help you if you are looking to enter the real estate market especially during a recessionary environment:

• Recession Bargaining On Real Estate: Given the fact the real estate market is flooded with properties at the moment some of which are fire sales; do not be afraid to bargain over the price of the property. If the property has been on the market for a while, go ahead and bargain. This might help you save as much as 20% on the purchase price.

• Foreclosure Sales: In recessionary times such as these the US economy has seen a lot of real estate foreclosure sales. Keep an eye out for these types of sales and listings in your local newspapers and at the county clerk’s office. Often foreclosure real estate sales come at a discounted price tag and with the right amount of research and investigation into the property,can help the investor make a decent amount of profit from investing in property.

• Capital Growth Vs Cash Flow: During a recession it is not prudent to expect your property investment to grow in capital value. The nature of the economy is such that the prices of most things are on the decline. As a result of this it is advisable to turn your real estate investment into a rental property and seek to gain rental income out of it. This positive cash flow not only helps you boost your financial situation but also helps cover the new loan on the property if you have one.

• Tax write-offs:  As you may be aware, the interest component of the mortgage loan on your new property investment  is a tax deduction and can help reduce your tax burden at the end of the financial year. This is another reason investing in property during a recession is gaining popularity.

It must be remembered that investments are a personal thing and different individuals have different tolerance levels to risk and returns, If you feels that you have will to take the plunge and are ready for some real estate investment, the this is probably one of the best times to enter the market.

Reference:

1. Advice on investment property – Property Investing

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Consumers who like to manage their mortgage loan efficiently and like to have the freedom to draw down used equity or surplus funds in their home loan account, might just find that a line of credit mortgage product is just for them.

Definition: Line Of Credit

A line of credit is popularly referred to as an LOC. This is probably one of the most popular forms of revolving credit, second only to credit cards. In the formal sense the definition of line of credit is a credit contact between a client and the financial institution whereby the client can readily access funds as if it were their own savings account. Interest on lines of credit is only charged on the used portion of the loan. In other words if the total limit of the line of credit is $500,000 and the consumer has only used $300,000 then the interest will only be levied on the $300,000 and not the full loan amount like a normal standard variable home loan/mortgage. This is quite advantageous owing to the fact that if you have been making larger repayments into your mortgage, in effect over time you will be reducing your interest repayments as you are constantly reducing your Line Of Credit outstanding balance.

Common Uses Of A Home Equity Line Of Credit

Being as versatile as they are a home equity line of credit can be used for a variety of purposes. Some common uses of lines of credit are:

1. Managing your home loan better
2. Using the available redraw in your line of credit to make investments.
3. Using the surplus available in your LOC for repairs, improvements and payment of bills around the house.
4. To meet unexpected and urgent expenses.
5. Consumers at times use the surplus/redraw available in their LOCs to pay for holidays etc. This is owing to the fact that the interest rate on an LOC is much lower than credit cards and in addtion not only do you get a much longer term to pay of the amount (over your home loan period) but you also do not have to tap into your savings.

Pros & Cons Of A Home Equity Line Of Credit

The following are a few advantages of a line of credit loan:

• You always have easy access to the money as it is sitting in your home loan account and you do not need to go though the process of applying for a new loan etc.
• LOCs give you the ease of making a single repayment for several bills, as you are only paying off your line of credit or mortgage account.
• The interest rates on a line of credit are much lower and expenses paid of your redraw can be paid back over the course of your mortgage.
• As long as consumes are cautious that they do not exceed the limit on their LOCs the can keep drawing down on the funds.

As is the case with all good things line of credit loans aren’t free from a few flaws either. Some of them are as follows:

• The interest rates on LOCs are open to fluctuations and as a result of that you might find your repayments varying with interest rate changes.
• In case of a residential loan for a main/principle residence consumers must ensure that over the course of the loan the principal component of the line of credit is reduced.
• Sometimes having a lot of credit/redraw available might lead to clients developing a habit of overspending.

Home Equity Loan Line Of Credit & Your Credit Report

A line of credit loan can be very beneficial for your credit report. If you have successfully managed to pay down you outstanding balance with larger and timely repayments, this stands you in good stead with the credit reporting agencies like Experian, Equifax and Transunion. Moreover if you have a large limit on your line of credit and are only using a portion of it with a decent amount unused, this will also help boost your FICO score.

Hence as we have discussed that a line of credit can be a very powerful tool to help you manage not only your home loan better but will also help you manage a lot of your own personal finances. It is however essential that consumers evaluate their situations before getting a mortgage product as this is a matter of personal choice. Lines of credit are powerful financial tools designed to give consumers the advantage and freedom of managing their finances and credit effectively.

References:

1. What is the Advantage of a Secure Line of Credit? – All Business

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Recently more and more consumers have been asking the questions whether investing in recession times makes sense. The more pertinent questions to ask would be what a recession really is and how does it effect your investments? A lot of analysts are torn on the fact of what the right time for investing is, especially considering that we are in one of the worst financial crisis in modern history.  However, they all do agree on the one point that recessions are usually a buyers market and if you have saved up for a rainy day, this might be the ideal time for some recession buying.

Investing In A Recession: Definition Of Recession

Before we discuss recession investments and how to go about investing in recession, it is important to understand the recession. Literally speaking a recession is characterised by slowdown in economic activity over a considerable amount of time (usually over 2 quarters). However more and more economists have forgotten the rule of thumb and simply identify a recession as a phase where the Gross Domestic Product (GDP) falls over two consecutive quarters and this is coupled with a rise in unemployment levels (usually 1.5%). In a nutshell it is an extremely shaly time for the economy with consumers and businesses feeling the pressure alike. A few indicators of a recession are listed below:

1. Continuous falls in the stock market.
2. Slowdown of economic activity
3. Rise in unemployment levels and jobless claims.
4. Falling interest rates.

Investing During Recession

A lot of investors were affected badly last year as they had a lot of money in stock market. The key to investing in recession is having a diversified recession investment portfolio without over exposure to any one single asset class (the main asset classes are Cash, Fixed Interest, Domestic Equity, International Fixed Interest, International Equity and Property). Investors must keep in mind that economic cycles come in phases and are cyclical. Ups are followed by downs and vice versa. The important thing to note that nothing lasts forever. It is noteworthy that during recessions almost everything on the stock market is at half price or lower. Depending upon your investment risk profile it might be beneficial to ascertain what level of risk you are comfortable with. For instance, if you are an aggressive investor you might purchase stock in emerging companies or unlisted property trusts. However if you are more conservative you might opt for stock in major banks or blue chip companies where to a large extent you are comfortable that your capital is safe. Before you get engaged in recession buying, make sure you fully ascertain the type of recession investments you are comfortable with.

During a recession, owing to the fact that almost all stocks on the market are cheap, it is easy to get carried away and get lured into a bad recession investment. Remember to do your research and ascertain your risk profile and comfort level before making recession investments. If you have been hoping to buy a property and take out a mortgage loan in the future and want to invest in the stock market, to ensure that your recession investments and funds grow enough to give you the right amount of money to seal the deal, then you need to be doubly careful. While is at nearly half of what it was from its peak in 2008, if you do not chose your recessions investments correctly you might miss out on the advantages investing in recession during a rising market and find yourself short right before you’re about to make your property purchase.

Tips For Investing During Recession

Below mentioned are a few tips to help consumers with recession investing:

• Use The Interest Reductions To Pay Off Debt: One of the characteristics of a recession is falling interest rates. The government eases the pressure on the economy by reducing its cash rate and thereby asking the financial institutions to reduce their corresponding interest rates. Use these interest rate and repayment cuts for debt settlement and improve your credit standing.
• Stick To The Basics: Remember investing is personal. Assess your own risk profile and chose recession investments that you are comfortable with. Do not get lured by all the hype in the market place. Remember to stick to the basics of investing in recession.
• Be Patient: If you are of the opinion that recession investments in general are a get rich quick scheme, then recession investing might not be for you. Remember business phases are cyclical and falls are followed by rises. Hold on to your investments because a market rise might be just around the corner.
• Tax Breaks: Do not overlook your LSA returns. These can boost your funds. Stay positive and remember to use to your tax breaks and do not let them erode away.
• Stable Stocks: Investors try and find the next big thing and put all their money into emerging companies. Look for stocks that are holding their value and are relatively stable. This could be the difference between you losing your entire portfolio and you being in a fairly advantageous position with capital appreciation.
• Diversification: Diversify your recession investments across the basic asset classes. Do not place all your eggs in one basket. Diversification can help you minimise the risk of losses or portfolio reduction.

Now that we have looked at the basics of investing during a recession, it is once again important to reiterate that consumers should assess their own risk profile and should buy recession investments they feel comfortable with. It is easy to get moved by the media stories but remember investments are personal and at the end of the day it should be you who should be making the decision about recession buying and selling of investments. Although we have stated that a recession is a buyers market, be careful and ensure that you make the right decision and seek the help of an experienced financial planner to guide you along the way.

References:

1. NBER’s statement on the recession and FAQs – USA Today
2. Recession: What Does It Mean To Investors – Investopedia
3. How To Invest During A Recession – Smart Money, The Wall Street Journal

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