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HOW TO CHOOSE AN INVESTMENT NEWSLETTER

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Investing can be a tough field to get into, and one of the most difficult parts is figuring out how to invest. There are so many options available that it can be hard to know where to start and what is best for you. One of the most popular ways to get around this is by picking up an investment newsletter and getting the information from a pro. There are many different types of newsletters, so you’ll want to do your homework before diving in with one. That’s why today, I’m going to give you some tips on how to choose the right newsletter for you and how to make sure you’re not walking into a scam!

How often will I receive emails? What type of content can I expect? Is this for me? I will answer all these questions as we go through this post! Keep reading if you’re looking for more info about finding a great way to invest.

 

What Is An Investment Newsletter And Who Is It For?

You might have seen ads for investment newsletters in the sidebars on many websites while surfing the web. These are publications that provide information about investing and financial advice, often sent out to subscribers by email. They come from renowned experts like Paul Farrell from MarketWatch, David and Tom Gardner from the Motley Fool, Chris MacIntosh from Capitalist Exploits and many others.

Although they’re mostly targeted to investors and traders, investment newsletters are a very good resource for anyone who wants to learn about the current economy and investing. These invaluable sources of information can be used either by people with little to no experience in investing but who want to learn the ropes or by skilled and weathered investors and traders with years of experience.

 

Why Should You Read An Investment Newsletter And How Often Should You Read It?

There are many pros to reading newsletters. The most obvious one is that you have a steady stream of information coming from experts in the field, so they can help keep you informed and give guidance when needed. In other words, investment newsletters will provide you with the latest financial information and help keep you on track to reach your investment goals.

The most direct way they accomplish this is by sending out recommendations about what stocks to buy or sell. You’ll also be able to educate yourself on how the economy works and understand why your investments might go up or down at any given time.

You can read investment newsletters as often or as little as you like, but weekly seems to be frequent enough for most people who subscribe.

 

What Makes One Newsletter Better Than Another?

Investment newsletters can vary in many ways, so there’s no one answer for what makes a newsletter better than another.

As far as how content is delivered and the types of recommendations they make, it really depends on your personal preference. For example, some people prefer to receive their information through email rather than something like an RSS feed or text messages.

There are also different levels of intensity when it comes to newsletters. Some offer more advice that is more hands-on, while others might only send out a monthly update or two each year with broader and more general information.

The important thing is that you find the one that’s right for you!

  1. How Do I Know Which One To Choose

As I just said, choosing the best investment newsletter comes down to your preferences and what you plan to do with the information you receive, so the first thing you want to do is think about what you want and what your goals are.

This is important because some newsletters will often have a specific focus. For example, some are for retirement planning; others focus on finding asymmetric low-risk/high-reward investment opportunities, while others specialize in estate taxes or investing as an expat. You’ll want to pick the newsletter that’s right for you based on your needs and situation—you may subscribe just to get updates about certain markets, like oil or gold, or you may want to have a more general overview of the economy.

Some people like unbiased yet opinionated newsletters about what stocks they recommend, while others prefer newsletters with specific investing strategies instead.

What’s most important, though, is for your newsletter to be in tune with your goals—you don’t want to read information from someone telling you to do something you don’t agree with, such as buy bitcoin, when your goals are set on long-term stability.

It’s also important that the newsletter is reputable and trustworthy—you want to be sure you’re not just getting spam from some guy in Nigeria who wants your bank account information, which brings me to a very important point that I’ll talk about in the next section.

  1. How Do You Know An Investment Newsletter Is Not A Scam?

There are many ways to tell if a newsletter is legit. Probably the first thing you should do is check the writer’s background, as well as their experience and qualifications in financial matters. It also helps to look at the track record of recommendations they have given in the past and their credentials and memberships, such as whether or not they are a Chartered Financial Analyst or CFA.

Another easy way is to read reviews about them online—you’ll find both positive and negative feedback on any newsletter that exists! So you can use this information when you’re trying to figure out if it’s worth subscribing to.

A final thing you can do is check the company’s contact information and make sure that they have a phone number and an address where you could reach them, should anything go wrong with your subscription or if there are any problems in general.

If you’re still not sure, don’t be afraid to ask someone else for their opinion! This can often help provide some reassurance that your investment newsletter of choice will actually work out in the long run.

 

The Bottom Line

If you’re looking for a way to improve your finances, an investment newsletter is worth subscribing to. In some cases, reading it can be done in as little as 15 minutes every week and will provide valuable financial advice tailored just for you.

Investment newsletters are typically written by professionals who study the markets closely to know what information would be most helpful to their readership. They also have a decent idea of where the market is going because they’ve been tracking it all along!

The key to choosing the right investment newsletter is knowing what you want. I have found that people who know where they’re going don’t need a lot of advice and make better use of the advice they’re given. It’s important to make sure the newsletter matches up with your goals. Once you’ve shortlisted those that do, following the points I listed earlier will give you a good idea of which one to choose!

 

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An Entrepreneur’s Guide to Investing in Bitcoin

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By

Marcus de Maria, Founder and Chairman of Investment Mastery.

 

Over recent years, Bitcoin has been steadily growing in popularity among today’s investors. At the same time, there has been a lot of debate about Bitcoin, and other cryptocurrencies, and their value.

Its supporters argue that it is the future of currencies and investment; its critics are adamant it’s not all it’s cracked up to be and might not make the big profits people are expecting.

To better understand its true stature in the market, we need to look at recent developments. For instance, Bitcoin’s valuation has risen by more than 763% in just one year, easily surpassing the rise in the traditional stock market.

With more and more people buying Bitcoin, it is now gaining the attention of the mainstream financial institutions and platforms, when once Bitcoin was derided, joked about and said would never last.

Marcus de Maria

Fast forward twelve years since its’ launch, and we have Tesla and SpaceX mastermind Elon Musk recently announcing that his car empire will not only buy $1.5 billion-worth of Bitcoin, but will accept cryptocurrencies as payments in the future.

And well-known FinTech companies such as Square and PayPal have also announced their intention to support Bitcoin in the future.

Despite this, the most important Bitcoin development is, perhaps, the recent initial public offering (IPO) of Coinbase Global, Inc. (NASDAQ: COIN), today’s leading cryptocurrency exchange platform.

There is no doubt: Bitcoin is gaining momentum. Recent developments have contributed to the sharp rise in the value of Bitcoin, and asset proponents believe this is just the beginning.

 

Bitcoin background

Bitcoin was created in 2008 by a programmer, or group of programmers, under the pseudonym “Satoshi Nakamoto”. Twelve years on, and the true identity of Bitcoin’s inventor is still unknown, adding a little mystique to this already enigmatic entity!

Essentially, Bitcoin is a cryptocurrency. A cryptocurrency is a virtual “coins” or “tokens” and used in digital cryptocurrency systems instead of physical cash.

Similar to physical fiat currencies, digital coins have no intrinsic value, and are not backed by gold or silver.

Bitcoin is one of the most widely used of the thousands of cryptos now available to the investor.

Considering that the great attraction to crypto is that it’s a decentralized currency, thousands of different types of coin in “circulation” is a big giveaway to how popular it is among users and investors.

What gives Bitcoin its value is the fact that there will only ever be 21 million bitcoins “minted” or “mined” to give its proper definition (more on this in the future).

It’s this scarcity that provides the value, although one Bitcoin can consist of multiple denominations, the smallest being a “satoshi” which is 0.00000001 of one Bitcoin (or BTC as it is also known).

 

Bitcoin & The Blockchain: How does it work?

Bitcoin exists solely on the “blockchain” in “wallets.”

A wallet is the digital equivalent of a traditional bank account for fiat currencies such as dollars, sterling, yen, etc.

The blockchain is a public ledger that is totally transparent and accessible to everyone who uses the blockchain and bitcoin, and now any crypto that is in existence.

Transactions on the blockchain are “peer-to-peer”, meaning the transaction doesn’t go through a “middleman” (i.e. third party that would normally charge a fee for making the transaction).

Crypto transactions also undergo thorough verification and confirmation.

Crucially, every transaction and record of bitcoin activity is encrypted which means no one knows who owns any one bitcoin or where it goes to and from, unless they publically declare it (although the identities can eventually be detected under special police powers in cases of suspected fraud).

Only the transaction itself is recorded and is made visible to anyone.

That is why Bitcoin is a cryptocurrency (or crypto), because it has an extremely high level of privacy to it via cryptography.

“Crypto” comes from the Greek word “kryptos,” meaning hidden.

Bitcoin wallets operate via secret key.

This key is used to “sign” transactions. It provides mathematical proof that the transaction has come from your wallet (or owner of the transacting wallet).

This secret verification stops the transaction from being tampered with once it has been issued.

All transactions are confirmed and appear on the block chain network within 10-20 minutes.

It is this security and the fact YOU – and not the banks – are truly in control of your digital money that is so appealing to users and investors alike.

 

What to consider when investing

Firstly, and arguably most importantly, is risk-factor. Investing in Bitcoin as an individual is a lot less risky than investing as a business.

The mentality must be, ‘this is my business’s money. I won’t speculate with my business’s money, and I am not going to risk my employee’s livelihoods. Yes, I would be crazy not to invest but it would be crazier to risk it all.’

It’s very easy to go all-in and invest a large sum of money when you have it, but that is not really a sensible strategy.

So, to start with, entrepreneurs and business leaders should consider the risks, diversifying their portfolio and starting small.

 

Other Bitcoin Investment Options

There are different options when it comes to investing in Bitcoin.

First, you can invest in a company that uses Bitcoin technology so you will be exposed to it without purchasing it directly. When the value of Bitcoin goes up, the company shares go up too, providing a return on your investment.

I can’t invest in Bitcoin through my ISA, but investing in a company such as Block (previously known as Square) means I have an indirect tax-free investment opportunity in Bitcoin. Investing in a company that utilizes Bitcoin can be more volatile than Bitcoin itself, so more money can certainly be made.

Investing solely in Bitcoin is different, as it doesn’t move so much in value, but the individual company using Bitcoin can go up and down sometimes by 80%.

Buying Bitcoins directly from an app like Coinbase allows investors to “physically” own the asset.

This is an important distinction to make, as Coinbase allows investors to actually buy Bitcoin and store it in their own crypto wallet. That way, investors will be able to gain access to the coin’s price performance and use it as the currency to make other trades.

Owning a standalone Bitcoin is no different from owning any other currency, except for the incredible fluctuations in value.

 

To invest directly into Bitcoin here’s how to get started:

  1. Sign up to an Exchange
  2. Enable two-factor-authentication for security
  3. Get a Bitcoin wallet
  4. Connect the wallet to a standard fiat bank account
  5. Place your Bitcoin order
  6. Manage your Bitcoin investment

When the set-up is complete, what you really need to consider is, how much do you know? I am a firm believer in spending at least 20 minutes a day educating myself on investing. I’ve seen too many beginner investors ignoring that advice and rushing in without understanding how it all works.

Surround yourself with people that understand crypto investment and dedicate time to reading up on strategies and tips that will benefit all investments you make.

Bitcoin is certainly a crypto asset you should be investing in alongside a diversified portfolio. It is certainly a highly volatile asset with large and rapid price swings, which in turn can offer the potential for large returns but also carries a high level of risk.

Before making any decisions, it is critical that you learn how to invest in Bitcoin responsibly and utilise proven, reliable strategies. Once you feel confident with your approach, take that first brave step.

As Warren Buffet once famously said, “Be fearful when others are greedy, and greedy when others are fearful.”

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Wealth Management

Has London’s IPO market run out of steam?

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By

Rhys Merrett, Senior Account Director, The PHA Group

 

The UK’s transition out of lockdown was approached with a degree of caution. The disruption caused by the pandemic instilled permanent changes to the way in which businesses operate. It also brought economies to a standstill, with the financial services sector attempting to navigate uncertain circumstances.

Positively, the months following the lockdown were marked by a visible surge in investment and spending. Pent-up investment capital was injected into the financial markets via private equity and venture capital funds, while on the merger and acquisitions (M&A) side, domestic and outward M&A deals were on the rise. After navigating the economic uncertainty brought on by the pandemic, the financial services sector bounced back with a hive of activities in H1 2021.

Move forward, 12 months and it seems as though the immediate optimism sparked at the beginning of 2021 has started to wane. A host of new challenges face the UK, some a consequence of the pandemic like rising inflation while others a consequence of actions on the geopolitical stage. As a consequence, there are fears that instead of a full blown recovery from the pandemic, we could instead be on the verge of a recession.

Rhys Merrett

Such a forecast should not be assumed and requires careful assessment. The fact that analysts are beginning to question the health of the economy stems from recent trends. One of these has to do with the number of Initial Public Offerings (IPOs) taking place in the UK.

IPOs are a positive reflection of a healthy market geared for growth. They achieve this by fuelling the growth of economies and broadening the number of investment opportunities on offer for both domestic and foreign investors. IPOs also facilitate innovation, create jobs, promote productivity and provide incentives for private companies to consider a public listing in a particular jurisdiction.

However, a new analysis from KPMG’s UK Equity Capital Markets has revealed that IPO activity in not only the UK, but globally, has drastically dropped. Only 11 companies listed in London in the opening six months of 2022, raising £0.5 billion. This is a huge drop from H1 2021, when there were 40 listings which collectively raised just under £10 billion. Given this 95% decrease, it is necessary to question not only why this has occurred, but whether this is the beginning of a long-term trend for IPOs in the UK?

 

The future of IPOs in post-Brexit Britain

One theory is that the UK’s rules and regulations linked to IPOs are pushing companies to other stock markets, like Amsterdam. Part of this has to do with the long-term future of the UK post-Brexit, and the extent in which it can retain its position as global hub for investment. It will have to deal with increased competition. Scheduled for later this year, the EU listing act will introduce new proposals that give founders the ability to retain more control of their companies while being able to use dual-class share structures.

Another issue has to do with valuations. High profile IPOs of high-growth tech companies like Deliveroo have suffered a significant loss, with the company’s value down 75% since first being listed. Finally, questions over the country’s political leadership have stalled planned public offerings. Most recently SoftBank announced it has stopped working on a London IPO for chip designer Arm as a result of the Conservative leadership contest.

Despite these challenges, it is wrong to assume that the UK is no longer the finance and investment hub it was pre-pandemic, and indeed, pre-Brexit. In reality, all economies around the globe are dealing with the aftermath of the pandemic, including pandemic. There is also potential fallout linked to geopolitical events, such as the Russian invasion of the Ukraine.

Taking a long-term perspective is crucial. For example, research by Datasite, a SaaS provider for the M&A industry, shows that the outlook for dealmakers in the UK is positive. Seven in 10 (71%) are anticipating an increase in activities over the coming 12 months. Looking at the type of deals, half (50%) expect the biggest increase to be in debt financing, while 43% identified transformational acquisitions or mergers.

The fact of the matter is that financial markets are in a period of adjustment. If we look at cryptocurrencies, price volatility and radical swings have resulted in significant losses from the peak prices recorded during the pandemic. The most prominent of these has been Bitcoin. While some see these price swings damaging the long-term usability of decentralised finance, others see this as part of cryptocurrencies evolution as it becomes integrated into the global financial system.

For now, it is difficult to tell what the future has in store for the UK when it comes to IPOs. Once the leadership contest is over, the government will have the opportunity to put together a strategy which ensures London can remain a top destination for public listings. Competition is rife, and should London be able to tackle these challenges head on, it can remain a global hub for not just IPOs, but financial services and financial technology.

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