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The benefits of diversification and pitfalls of over-diversification

Diversification is a very wide term. Applied to investing, diversification refers to adding more than one type of security or asset to your overall financial portfolio. Many average investors do this by default, when they buy small amounts of gold for the future, along with putting money in a fixed deposit and having a second apartment that they may have ... Read More »

‘We knew about the need to invest but did not know how much risk to take’

Bhavani and Kumar were aiming for financial independence. But they didn’t know at what amount that will be, and when. Also, they had not considered the risks that could derail their plans. “I was always interested in finance. I knew about investments, but not risks. Also, we didn’t know how much risk we could take, how much had to be ... Read More »

Dividends are growing — but the market’s not buying it quite yet

Zimmytws | Getty Images Markets have started the year in skittish fashion. Fears about emerging inflation in the U.S. and elsewhere has focused investor attention on the 10-year Treasury yield, the so called “risk free” rate of return. As it flirts with the 3 percent level investors are reviewing the relative return that can be wrung from equities before the ... Read More »

High-end Livestreaming that Won’t Break the Bank

Cheaper and better — it’s a combination every small business owner loves hearing, but researching reliable B2B products or services to genuinely make tasks cheaper and better is far from easy. Overwhelmed by the time required to do research, small businesses will do DIY experiments with what’s affordable in video marketing. But ultimately, low-quality video and wasted time make those ... Read More »

How Fintech is Bridging the Big Bank Gap

Big banks have always been averse to risk.  They also tend to view small and medium-sized businesses as high-risk, choosing to restrict investment, in terms of both lending and services, for the SMB market. A 2015 credit survey by the Federal Reserve found that smaller institutions were 18 percent more likely to approve a small business loan than big banks, while SMBs ... Read More »

What the Heck is Happening at Your Bank These Days?

If you’re like many Americans, you may be making fewer trips to the bank and instead taking care of check deposits with a mobile app or tracking account balances with a few mouse clicks. Digital banking is undeniably gaining ground over the old brick-and-mortar process. But about 84 percent (PDF) of banking customers still visit branches at least occasionally, according to a March 2016 Federal ... Read More »

Cisco, Intuit and 31 other stocks are leading the market out of correction

Traders react after the closing bell on the floor of the New York Stock Exchange (NYSE). More than 60 percent of the companies in the S&P 500 broke to new highs during January’s new year rally, and a diverse group are among the first to make a comeback after February’s correction. In the S&P 500, 23 stocks bounced back to their 52-week ... Read More »

The Stats on the Work-Life Balance of Your Employees (INFOGRAPHIC)

Finding a work-life balance, no pun intended, is a work in progress. And in a world where your work can follow you anywhere, finding this balance is becoming increasingly more difficult. The new infographic from Family Living Today and Now Sourcing looks at why it is especially hard for workers in the US. Compared to the 38 countries of the Organisation for Economic Co-operation ... Read More »

A fundamental change is underway in the financial markets, and it will not be pleasant

It starts with money and rates. There is a hot debate among the bulls and the bears as to whether the recent change in equity valuations represents technical market factors that will be quickly reversed or a fundamental change that will take some time to play out. I am of the view that there is a meaningful fundamental change underway. ... Read More »

Breakingviews – The Exchange: Italy’s finance boss

(Reuters Breakingviews) – Pier Carlo Padoan, who has run Rome’s Ministry of Economy and Finance for the past four years and under its last two prime ministers, says Italy must continue economic reforms no matter who wins elections in March. Padoan also predicts no “Italian surprise” at the polls. Italy’s Finance Minister Pier Carlo Padoan attends a news conference at ... Read More »