Tough question. All I can say is what I do.
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The top tip for 2012 is the same as for 2011, 2010 and so forth: buy and hold several no load, low cost, tax efficient index mutual funds like those offered by Vanguard. You don't need to buy more than two or three funds: Index 500, Total International, Small Cap to get good diversification. Picking stocks is a loser's game. Ordinary investors are at the bottom of the food chain--the last to get the good news and the last to get the bad news.
Do not buy Mutual Funds. There are fees limitations selling restrictions. Alternatively, consider Exchange Traded Funds (ETF's), although they have many advantages over Mutual Funds, normally not a buy and hold investment. In this low interest rate environment, on dramatic market downturns, investors have a herd mentality and sell the bad AND the good. During those times, find good quality dividend stocks that provide a return of 3% to 6% AND diversify. These stocks will typically be the utilities, pharmaceuticals, energy and telecommunications. I have been utilizing this strategy for the last few years and getting about a 16% growth rate on stocks IN ADDITION TO and average of 5.25% annual dividend return. Check some of the following ticker symbols: VZ, T, CNP, NI, BMY LLY, DUK, WR, EXC, NYB, PFE. You will recognize many of the names. Look for a Company with a good dividend yield, a long history of dividend payment and income in excess of the dividend. DISCLAIMER - This is what I do and what has worked for me but is not to be taken as investment advice. Seek qualified assistance to evaluate your own specific needs.
by young inv 15 years ago
Hello everyone , im 18 and am learning to be a carpenter in my second year , I have recently become interested in investing money i have saved into something , i come up with theories at work about why such and such is a great place to invest my money , but before i take a leap , i need to know...
by Cliff Beaver 12 years ago
Are stocks a good way to build income over a period of time with dividends?I have messed around with stocks a bit over the past little while. I have heard that they are a great way to build an income through dividends. What is your take on it?
by MRdivman 14 years ago
Why would an investor choose dividend stocks over growth stocks?
by Stacie L 11 years ago
I've read the hubs on REITs but would like more up to date information on getting dividends on mREITS.I have friends who are trying to convince me to invest in these.i don't have a lot to invest now so anyone want to chime in on their experiences.
by ngureco 13 years ago
Which Is Better: To Invest In Stocks or Mutual Funds?
by Zara Rasul 12 years ago
Do you invest in the stock market?Buying and selling stocks... is it a legitimate way of making money? Or is it akin to gambling?
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