August 12th, 2011

After the Fall: Where to Put Your Money Now?!

The sudden drop in the stock market was very alarming and it was also questionable. The biggest question being posed was whether or not it will affect you. Investing is all about perspective. While all the headlines scream about doom, despair, and agony, there are plenty of investors who have a different read on the situation: They see promise, value and opportunity peeking out of the rubble left by this week’s stock market shakeup.

You may be one of the lucky ones that do not have money invested in the stock market, however you were affected somehow due to the fall. Whether you are a college student, young professional or entrepreneur, you ultimately need to build and maintain some type of capital within your personal finances. Boarding the investment train is something that will benefit you throughout a life-long journey.

Here are a few tips to investment:

Start investing today – Procrastination can put a big dent in your personal finance and living a wealthy life.

Consider the Impact of Inflation – Most people tend to forget about the effects of inflation when investing for retirement. Even a low rate of inflation adds up over the retirement years and shrinks the buying power of your investment.

Make Informed Decisions – Do you spend more time researching the purchase of a new car or cell phone than in choosing your retirement plan investments? It is important to take enough time to understand what you are investing in so you make the right long-term decisions.

Be sure to Collect Your Match Money – If your company offers a match based on your retirement plan contributions and you are not participating, you are missing out on extra money. Your employer will make this contribution for you if you participate in the plan and you meet the match requirements. This match contribution will help your investment grow faster.

Take Advantage of the Power of Compounding – Invest as much as you can in your IRA or 401(k), even if you can’t afford the maximum. You don’t have to contribute $5,000 every year to start building assets tax-deferred. Even $100 a month can make a big impact over time.

Invest Regularly – It’s important to view investing as a process, not a one-time event. Often, one of the reasons we don’t start investing sooner is because, after paying bills and spending money elsewhere, we don’t think there’s anything left over. By using an dollar cost averaging, you protect yourself against buying too much when prices are high and help reduce the temptation to sell at a bad time – i.e., when prices are low.

Instead of sitting on the sidelines and rubbernecking, put your money to work for the future.


About the Author

DeAndra Harrison
DeAndra` A. Harrison, Editor for Socialtik Mag is a Columbus, OH native, trying to survive in the "concrete jungle of NYC", who is passionate about her entrepreneurial ambitions. She is striving to succeed and she will let everyone know. She believes that helping herself is not enough, so she actively imparts the knowledge she acquires to those around her.



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