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There’s a big difference between buying a stock for a quick trade, and making a true stock investment. With so many friends and neighbors focused on the quick profits of day trading, people have forgotten that making a stock investment makes them part-owners of real, live businesses.

If you view stock investments from this perspective, you need to be concerned about things beyond MACD, support and resistance, and other technical indicators. You have to be certain that the business is one you can entrust with your hard-earned money, for the long term.

Review the Company’s Income Statement Before Making a Stock Investment

Day traders almost never bother with financial data, but true investors should always review both the income statement and balance sheet of a company before making a stock investment.

Start by looking at the past three to five years of income sheet data. Is the company’s income growing? If so, is the growth accelerating or decelerating?

Always look at the company’s gross margins before making a stock investment. Gross profit is the company’s total sales minus its cost of goods sold. Gross profit as a percentage of sales is gross margin – is this number going up or down? Once you evaluate all of this information, you will be better prepared to make a stock investment.

If a company’s income statement is erratic, income growth is decelerating, and its gross margins are being cramped, it can still be a good stock investment.

This is because other investors have probably abandoned the company, pushing the price of the stock down. Generally, companies that have consistently accelerating growth and improving gross margins are pricier stock investments. You have to evaluate all of the data and determine what you think the stock is really worth.

Don’t Forget the Balance Sheet When Making Stock Investments

Reviewing the income statement is never enough when making a new stock investment. The balance sheet is always at least equally important, and in the case of companies with weak income statements, the balance sheet is even more important.

Consider the liquidation value of a company before making a stock investment. This is most important for companies under distress. What would happen in the worst case scenario and the company went bankrupt?

Look at the balance sheet and subtract intangible assets and total liabilities from total assets. What’s left are the items that could be sold if the company ceased operations. If the liquidation value per share is close to the trading value of the stock, then you have downside protection on your stock investment.

If you think the company has a chance to turn things around, then it could be a great buy.

Should You Only Look For Damaged Companies When Making a Stock Investment?

No! While the balance sheet is most important when considering a stock investment in companies under distress, the income statement is paramount when making a stock investment in growing firms. Growth stocks aren’t just for traders, they can be for investors too!

Consider Hansen Natural (HANS). This stock quadrupled from $7 a share in April of 2004, to $28 per share a year later. This would have been great for a trade, but traders would have really missed out if they sold for $28.

Over the next 15 months, the stock went all the way to $200 per share! Investors who took a look at the company’s financial statements and carefully considered its tremendous growth prospects, could have turned a $10,000 stock investment in 2004 into more than $285,000 today.

It pays to buy and hold when you do the homework and you’re confident that you’re right.

Watch my first LIVE Broadcast: www.livestream.com [Click on Video ON-Demand] Add me as a friend on Facebook! www.facebook.com Get DAILY GrowBy10 Updates on Twitter! twitter.com Video Credit: eurogoldexchange www.youtube.com Monday, August 31 12:48:54 A report that Chinese state-owned companies will be allowed to walk away from loss-making commodity derivative trades provoked anger and dismay among investment bankers on Monday as they feared it may set a damaging precedent. The State-owned Assets Supervision and Administration Commission, the regulator and nominal shareholder for state-owned enterprises (SOEs), told six foreign banks that SOEs reserved the right to default on contracts, Caijing magazine quoted an unnamed industry source as saying in an article published on Saturday. While the details of the report could not be confirmed, it was Monday’s hot topic in financial circles from Shanghai to Singapore as commodity marketers feared that companies holding underwater price hedges could simply renege on the deals, costing banks millions of dollars in profit. The warning from SASAC follows a series of measures from Beijing this year to crack down on the sale of derivative products by foreign banks to Chinese enterprises, principally big consumers, who bought protection against higher prices last year only to watch the market collapse — leaving them with losses. While many companies including top airlines have come clean on the losses, some analysts fear another wave …

Less than 0.8% individual investors have effective asset allocation for their investment. And 97.9% of novice investors don’t even know how to allocate their cash prior to investing in stock market. In this article, I’m going to share with you the suggested asset allocation that I used myself for your own references.
I bet you must have heard someone saying “invest only with money that you can afford to lose”. At least, this is what I’m always saying to myself and to all my loyal readers. Nevertheless, when I said so, many reply back to “how much exactly?”. They are hoping some figure or percentage that they can start applying in their cash management. So here we go,Easy Money for Medium to High Risk Investment
First of all, high risk investment is highly subjective to individual risk tolerance. Something risky for me might not be risky to you at all. It’s depend on your knowledge, skills and experience when dealing with such opportunities. And of course how confident are you dealing with external factors that are beyond your control; such as market volatility and commodity uncertainties.
But for me, medium to short term trading are considered as medium to high risk investment. And therefore, I personally allocate “easy money” for this activity. Easy money includes but not limited to bonuses from your employer, gratuity after you retire, or dividends from existing investment. With money that I can afford to lose, I can trade stocks with emotionally detached.40% Cash for Low Risk Investment
You might want to apply this suggested asset allocation since you can comfortably put most of your hard earned money into something that you have faith in it. And to me, I consider buying great stocks at cheap price as the lowest risk investment ever. This is just like buying Berkshire Hathaway shares at only $10,000.
Isn’t that a no brainer investment decision?
However, the challenges are finding good stocks and have patient not to buy them unless the share prices are “cheap enough”. You can do this by first identifying potential stocks that worth investing. After you have shortlisted them all, try to determine how much each stock worth by calculating its intrinsic value. Then, buy the stocks once the share prices are within the margin of safety. After all, this is what Warren Buffet did all this while.40% Cash Reserve to Further Diversify
If you are thinking of putting all of your hard earned money into stock market, think again. The fact is, limiting your investment in one asset classes alone; such as stock market only, can bring disaster. No matter how good your investing skills and how much you have diversify your money into different stocks across various industries, I found it just not good enough.
Consider diversifying into other asset classes such as real estate or maybe building your own businesses as well.
I prefer buying high end properties than others since that market segment seems to be less susceptible to economic condition. Real estate investment is a good platform for you to understand how businesses works, especially your negotiation skills. Slowly, I venture into some other businesses to increase my return on investment. From such activities, I have better understanding on which stocks to invest.

For many investors investing in their company’s stock makes sense. After all, you are an insider and it makes you feel like you know what is going on in the company. If anything were to go wrong you would be the first to know right? Or, you may think that you are doing great and your division is doing great, so it is safe to assume that the company is doing great right? Or, you have had meetings with your Human Resources Department and Manager and they have assured you that your company is not like “those” other badly managed companies. These may be some of the thoughts that may go through your head as you pour more money into your company’s stock.  But are these thoughts rational or are you getting blindsided?As investors, we know or should know that we need to be as rational as we can be when it comes to investing. After all, investing is about taking measured risks and looking at the numbers. Unfortunately for many of us it is quite difficult, if not impossible, to remove emotions from our decision making. And when it comes to investing, our emotions can sometimes have a detrimental effect in our portfolios.Why People Do ItAside from the myths that were mentioned in the introduction (yes they are myths) there are many reasons why people invest and sometimes invest heavily in their company’s stock. For one, companies sometimes allow employees to purchase shares at a discount in the form of stock options or through discount stock purchase plans. Other times employees receive a match on their retirement contributions not with cash but with company stock. And sometimes, depending on your position you may be expected to invest in your company stock.  It makes sense for the employer; they not only gain your loyalty but may also be able to reduce their payroll. And if you are working for a startup it is an easy way to get you to work hard for less because you hope to make it big later when the company goes public or it becomes a huge success.The question is, does it make sense?Why You Should Not Do ItThere is a reason why financial planners and investment advisors recommend not putting your eggs in one basket. It is simply too risky. The more you invest in one stock, the more at risk your retirement account will be. You may be saying to yourself, “but my company is in fact a good investment”. That may be so, but think for a moment: if your company runs into trouble, not only could you lose your job but the value of your retirement account is bound to shrink if not disappear altogether. Is it worth the risk when you can easily diversify your portfolio? I do not think it is.We all know what happened to Enron and to the 401Ks of their employees and if you don’t here it is:  57.73% of employees’ 401(k) assets were invested in Enron stock as it fell 98.8% in value during 2001. In one single day, they were locked out to sell any of their stock, they lost their job, and they ultimately lost most of their retirement money.   The latest victims of this are employees of Bear Stearns and Lehman Brothers, who saw their net worth erode if not disappear in a matter of days. Given the current economy, it is likely that we will see this scenario play out again.According to a study done by the Employee Benefits Research Institute and the Investment Company Institute 33% of employees who have the opportunity to invest in their company’s stock do so, and as much as 9% of these employees have 80% or more of their 401(k) assets invested in their employer’s stock.  Employees in their sixties had almost 20% of their 401(k) savings in their company’s stock and almost 12% have more than 90% in their employer’s stock.  What is wrong with this picture?It is bad enough to put your retirement at risk when you are young (presumably you can still make it up if it goes bust), but to do so in your sixties or so close to retirement is criminal and foolish.How Much is Too MuchThere is no one answer to this question. There are good ethical companies with competent management teams and healthy balance sheets, but even these can suffer from economic downturns, lawsuits, or miscalculations. My thoughts, you should step out of yourself and study your company just as if you were an outsider. If you determine that this is a good investment you should still diversify your account and probably not invest more than 2%-5% into your company. Lastly, if  you own mutual funds you may already be investing in your company, so make sure you don’t invest more than you should.It’s Your RetirementOwning your company’s stock can make you feel good; after all you are a “part of the team”.  But this feeling comes at a high risk. No one cares or should care more about your retirement than you (not even your current employer). Diversify your portfolio and do not feel guilty about it. No one has to know how much company stock you dumped, and I can assure you, you will sleep better at night.

With the real estate market down and the economy falling into recession, there is a lot of attention on the stock market. Many people are looking at the stock market and hoping to make short term and long term gains. There is no doubt opportunities to make money in the stock market and we should consider these options as well for our investment portfolio. Here are 10 stock investing tips to keep in mind.

1. Long-term investment

Typically stock prices will go up and down and fluctuate even more in the short term. Don’t pay attention to the daily fluctuations in your stock. Always invest with the long term in mind.

2. Diversify!

Diversiy your investments with low, medium and high risk stocks. Pick some fixed income securities especially in fluctuating markets. As they say “don’t put all your eggs in one basket” applies here.

3. Online trading is quick and easy, online investing takes time

These days the internet has made trading so easy. With one click, you can buy and sell stocks from more than 100 online brokers with low commissions. However, this does not take the homework out of researching and making investment decisions.

4. Don’t gamble!

If you can’t afford to lose the money, then don’t gamble it on a stock purchase. Choose more conservative investments with low risk if you are worried about your money.

5. Don’t expect miracles!

If you come across some recommendations from a friend or broker that a stock is going to double in value in a few months – beware! Don’t go into the investment expecting this. If you are lucky and the stock does go up 50% or more, then consider selling and get your returns immediately.

6. Investigate for yourself!

One of the most important principles I stand by is “Independent Investigation of Truth”. To me this means get as much information as possible and analyze before making your investment decisions. Its ok to get information from multiple sources and then compare to what your investigation tells you. This can alert you to any inconsistencies and inaccuracies in the investment you are considering.

7. Buy and hold doesn’t always work

If you are sitting comfortable on a rising stock, don’t get greedy. Set your limits and investment goals and sell the stock when you reach your returns.

8. Set investments goals & sell limits

Determine the price at which you’re willing to sell. Based on this and the interest rate, you can determine the return you want.

9. When it’s time to act, don’t hesitate

After you complete your research and you are feeling the urge to buy or sell a stock, don’t hesitate. Time lost can translate to money lost. Your impression is probably correct so act on your urge!

10. Seek a Professional Financial Advisor or Consultant

If you are a novice to stock investing, seek professional help or a stock brokerage to assist you with research and opening a stock purchase account. Once you are comfortable with the markets and know where to get online resources, you can do the research on your own and are ready to switch to an online broker.

If you have others that you recommend or would like to tell me about your experiences and what you think of stock market investing, please post your comments below. Look forward to learning from each other.

To comment on this article or any others, click on http://www.financialresource.org/blog/10-stock-investing-tips/. We look forward to hearing froom you.

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I live in Los Angeles and have a bachelors degree in finance. However, I do not have any industry experience in business and just recently figured out where my passion lies. The problem now is that I do not know how to best get my foot into the door to become an investment banker. If anyone could please tell me what would be the best jobs to apply for. I would also be willing to relocate.

Are most investment and stock prices high..generally speaking…like for phone companies, fast food business, anything related to funeral arrangements, cemetaries, or funeral homes? i hear most places start at 100,000. last time i checked my savings was 5 years ago and back then i had 13,000. just going off of what i had then could i start a business or invest in one with just that?

Hi

Please advice if anybody have tried a good investment newsletter for stock options?

Is there a listing to rank the performance of stock option newsletters?

Thank you for your help

Investment is 16,000
Price Per Share 7.00
Monthly stock dividend .10
Total shares to start 2285

I plan to take the stock dividend instead of cash payment. Assuming the price of the stock stays at or above the purchase price I calculate I will have just over 6000 shares and an approximate value on the investment of almost 48,000. Does this sound right?