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There are 3 things to understand about investing if you want to make money in the stock market

Investing is anyone's game. And putting money in the stock market while you're young is one of the best — and easiest — ways you can set yourself up for a comfortable retirement.
But the reality is many people don't invest — especially younger Americans, who keep as much as 70% of their portfolio in cash, according to a recent BlackRock survey.
In a recent blog post, ESI Money, a blogger who retired at 52 with a $3 million net worth, said "waiting to invest" is one of the "worst money moves anyone can make."
After all, investing your savings in the stock market, rather than stashing it in a traditional savings account, could amount to a difference of up to $3.3 million over 4o years.
Luckily, investing isn't as complicated as it seems. According to ESI Money, there are three factors that determine how well your investments will perform:
1. Your timeline
ESI Money crunched the numbers and found that time is the most important factor in how well your i…
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Should I invest my emergency savings in the stock market?

How much of your emergency savings should be held in a savings account instead of the stock market or other account that has higher returns with various risks?—Mary
There's no question you should always have some money tucked away for emergencies.
Most financial advisers recommend keeping three to six months' worth of expenses for emergencies, but where's the best place to keep the money? Experts usually recommend a plain-vanilla savings account. But in a low interest environment, it can be frustrating to watch your money earning nothing. Here are some ways you can get a better return on your money without taking on too much risk.
Online savings accounts
If you're a super saver, you may not be satisfied with the .01% interest your local bank offers you. Instead, consider an FDIC-insured online bank, says Tammy Wener, a financial adviser from Illinois.
"They generally pay higher interest rates than local banks and can be easily linked to a checking account," W…

Knowing When To Invest -- It's Not When You Think

Startup investing is a funny thing. Sometimes it feels like you are on fire. You see exciting companies and founders coming one right after another. Other times, nothing coming through the pipeline feels quite right, no matter how many you are seeing. After experiencing several of these hot and cold cycles, I was curious how normal this is. I decided to take a look.
Let’s begin with an idea that many investors strive for: investing at a steady pace. Simple, right? Investing at a steady pace sounds intuitive enough. The only problem is that it's a bad idea.
The reality is that the best opportunities are not evenly distributed over time. Randomness is clumpy. If you invest in only the best opportunities, whenever they arise, you will have busy and slow periods. Smart investing plans for the clustering.

Consider the math. I randomized 10,000 scenarios to understand how the ten best investments I see every year will be distributed over that time. The results are interesting for any i…

7 absolutely important questions to ask before investing

Adhil Shetty
Investing in the right instrument is what an investor vies for. After all, it is his hard earned money that he wants to multiply along with ensuring a financial stability for his golden years and difficult times. Saving is a key to any kind of investment, but merely saving would not guide you through uncertain time. To be a successful investor, the saving needs to be invested in the right kind of instruments.
For an effective investment strategy, it is very important to ask yourself these seven crucial questions.
What is my objective?
This is the most basic question to ask before you begin any kind of investing. Like any other work, you should ask yourself why you are investing. You should be clear about your objective. Is your investment for creation of wealth, for income flow in retirement, for helping you buy an asset, or something else? Once decided, you will start developing an idea of how far out in time this objective is, how much money you need to fulfill it, and w…

How to Come Back from Bankruptcy

After spending several years fighting with creditors, you decided to file for bankruptcy. You never thought to find out how long bankruptcy can affect your credit score. And now that your credit score and confidence have taken a hit, you feel hopeless. But don’t fret because there’s a light at the end of the funnel. Keep reading to discover how to start rebuilding your financial life
Ways to Recover From Bankruptcy
1. Shift your mindset
If you’re going to pick up the pieces and rebuild, a mindset shift is paramount. It’s normal to feel like a failure. But the goal is to focus on getting to the root of the problem so you can move forward.
2. Create a spending plan 
Once you’re committed to improving your financial situation, create a budget. A few factors to keep in mind:
Expenses should always be lower than income. If not, trim unnecessary expenses.
Filing for bankruptcy should have alleviated some of those debt payments. So, use the extra money to pay off other debts and start savin…

9 smart things to buy as an investment in your future

Making sure you have enough wealth through old age used to be simpler. The idea behind pensions was that your employer would guarantee you a set payout once you retired and handle the investing decisions required to grow the money you would eventually receive.
But the pension safety net is full of holes. For one, fewer and fewer employees have access to them: The proportion of private workers covered by them fell from 38% in 1980 to just 20% in 2008. And even if you are lucky enough to have a pension, there's no guarantee you'll actually get the funds at retirement age: That's because unrealistic expectations on investment returns have emptied the reserves of the federal program protecting pensions from losses.
With pensions shrinking, the 401(k) has become the preferred investment vehicle of choice: It puts the onus of retirement savings equally on both the employer and employee (assuming matching contributions); and leaves investing decisions to the employer. 401(k) s r…

3 ways to invest like Warren Buffett

A cottage industry of asset managers, financial advisors and investment can give you their takes on how to be just like Warren Buffett.
You can skip the circus of wannabes and hear from the Oracle of Omaha directly in his annual letter to Berkshire Hathaway a shareholder, which was published Saturday.
In his most recent letter, Buffett praised the virtues of index funds, railed against the steep fees hedge fund managers charge and said "investors who avoid high and unnecessary costs and simply sit for an extended period with a collection of large, conservatively-financed American businesses will almost certainly do well."
You don't have to be a stock-picking whiz to benefit from his success. Buffett has already detailed three ways to emulate him in your retirement portfolio.
The two-fund portfolio
Buffett outlined an investing strategy for ordinary investors in his 2013 annual shareholder letter:
My advice to the trustee could not be more simple: Put 10% of the cash in s…