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[ad_1] Share Market News Today | Sensex, Nifty, Share Prices LIVE: Domestic equity market benchmarks Sensex and Nifty were trading higher in Thursday’s session. RIL was top index contributor. [ad_2] Source link

[ad_1] New technology has made it possible for almost anyone to manage their own investment accounts, yet not everyone has the time to devote to the process. Plus, if you manage your investments in a less than optimal way, you could wind up with lower returns than you would have otherwise.  These are just a few reasons many people opt to work with a financial advisor. Professionals who work in this niche are trained to help you invest in a way that has the potential to increase returns with the right amount of risk for you. The problem with financial advisors is that there are so many, and that financial planners have gotten a bad rap for putting their own interests ahead of those of their clients. Fortunately, you can find an advisor who will put your needs first — if you know what to look for.  Statistics even show that hiring professional help could leave you better off. According to the Vanguard Advisor’s Alpha study, clients who work with a highly trained financial advisor could see more value in their portfolios.  Fortunately, you can find an advisor who will put your needs first — if you know what to look for.  The decision to work with a financial advisor is a personal one, but it’s also one where so much is at stake. Use the tool below to get matched with a financial advisor who can help you grow wealth and avoid common investing mistakes: Consider Your Needs and Your Budget Define Your Unique Needs When searching for a financial advisor, you’ll want to start by assessing your own needs. This can depend a lot on where you are in your retirement planning journey — whether you’re first building wealth or whether you’re nearing retirement and hoping to make the right last-minute moves.  Consider whether you want full-service financial planning services and ongoing access to a professional who is available to answer your questions and help you plan your future. Maybe you don’t need quite as much hand-holding, in which case you could wind up paying less overall if you signed up for an online financial planning platform that uses technology to manage your portfolio and optimize returns.  Understand the Pay Structure Whatever you do, make sure you understand that you’re going to pay for this type of help. Many financial advisors charge a flat fee of 1% of your portfolio or more each year in exchange for managing your money. Some also earn commissions for investments they sell you, and they may even choose investments that are loaded with fees that eat away at the amount of money that is actually invested on your behalf. Online financial planning services tend to cost less overall, but you should still expect to pay anywhere from .25% to .80% of your portfolio in fees each year. As you look for a financial advisor, you’ll want to figure out how advisors you’re considering get paid, and whether they earn commission on the investments they sell you.  The most common ways financial advisors get paid is referred to as AUM, or “assets under management.” With this payment structure, your financial advisor would deduct their management fee from your investment accounts, versus having you pay their fee out of your pocket. This may sound convenient, but it also means you may not realize how much you’re paying in account management fees over the months and years you pay for professional advice. Learn What Kind of Financial Advisors Are Out There The term financial advisor can apply to a wide range of professionals, but keep in mind that many people who shouldn’t use this title do so anyway. As an example, you’ll likely come across “financial representatives” that focus most of their work on selling whole life insurance. You’ll also run into financial advisors who use high-pressure sales tactics to sell overpriced, underperforming annuities and other investments that boost their bottom line at your expense.  Before you pick a financial advisor, you should know about the types of advisors that exist.  Robo-advisors Robo-advisors use technology and algorithms to invest your money in a way that aligns with your appetite for risk. Firms you may have heard of in this niche include Betterment and Wealthfront, but there are plenty of others.  Robo-advisors tend to charge a percentage of your portfolio amount each year while investing your money in a way that achieves optimal returns while keeping taxes at a minimum. With Betterment, for example, you’ll pay .25% to .40% of your portfolio amount each year you use this service.  Online Financial Advisors Online financial advisors can come in a few different forms. For starters, there are financial advisors who only see clients online and may be willing to charge lower rates or one-time flat fees in exchange for investment advice.  In other scenarios, an online financial advisor can also be a robo-advisor that lets you connect with an individual financial planner they assign to your case. Fees tend to be higher when you want professional advice on top of technology-based investment planning, but online financial advisors can be a good alternative if you want some personalized planning but you don’t need a full service financial advisor.  A good example in this niche is Personal Capital. With this firm, clients with at least $200,000 in assets can opt for a Wealth Management plan (or a Private Client plan with assets over $1 million) and have access to two dedicated financial advisors that can provide personalized advice.  Vanguard is another investment firm that has a financial advise offering through its Vanguard Personal Advisor Services®. Vanguard financial advisors are paid a salary, so they do not benefit from the investments they select. The annual cost for this service is also just .30%, which is considerably less than than the industry average of 1.01%.  Traditional Financial Planners Next up, you’ll find traditional financial advisors most people think of, which may call themselves wealth planners or investment advisors. Also note

[ad_1] This post may contain affiliate links. Read my disclosure policy here. Need new running shoes? Check out this huge sale on Zulily! Zulily is offering up to 50% off Asics Shoes for the family right now! There are lots of styles and colors to choose from with prices as low as $24.99! Shipping starts at $5.99. [ad_2] Source link

[ad_1] Saudi-led coalition destroys explosive-laden drone launched by Houthis [ad_2] Source link

[ad_1] During 2019-20, EPFO made a total investment of Rs 31,501.12 crore in ETF — 71.15% in SBI MF, 22.5% in UTI MF and 6.35% in CPSE ETF. [ad_2] Source link

[ad_1] “A woman’s highest calling is not marriage or motherhood.” @jamieivey says this in her latest book and on this week’s episode of The Crystal Paine Show. I wholeheartedly concur. But while most of us probably agree with this statement, how often do we let marriage and motherhood become completely all consuming — whether it’s the overwhelming longing to be married and/or have a baby or in how we walk out our roles as a wife and/or mom. We can let our spouse’s happiness or our kids’ success become our chief end in life. We spend our days trying to figure out how to fix, solve, and save. We want to be part superwoman and part Holy Spirit. We think our children’s academic scores, social life, and spiritual health is a direct result of our efforts. Our sole job and aim in life is to have a good marriage and great kids. Here’s the thing: I hope to have a strong marriage and I hope my kids love Jesus, but while I can love well and lead with humility, I can’t ultimately change or fix my spouse or kids — and that’s not my job nor my calling. As a Christian woman, my highest calling is, as @jamieivey shared on this week’s podcast episode: “To know Christ and to make Him known.” We unpack this and Jamie shares why we should be pursuing faithfulness over success and what this actually looks like. Download this episode on your favorite podcast player or go to the link in this post to listen in. In This Episode:  [00:33] Jamie. shares more about her background and family life. [02:52] Why did she title her most recent book the way that she did?  [05:00] What do satisfaction and success mean to Jamie?  [07:31] Learn why she feels that a woman’s highest calling is not to be a wife and mom.  [09:40] What is a woman’s highest calling?  [11:14] Jamie shares advice on how you can make time to spend time with the Lord, even in the midst of a very full schedule. [14:44] Want to change the world? Start right where you are. [17:57] What does Jamie say to the woman who feels like she has nothing to offer the world?  [20:50] How does Jamie acknowledge the work she’s done and not compare to others?  [23:27] Jamie shares how she’s built relationships with her close friends and why they’re so important to her life and business.  [26:30] What is the difference between success and faithfulness?  Links and Resources: You Be You by Jamie Ivey If You Only Knew by Jamie Ivey Jamie’s Website The Happy Hour Podcast On the Other Side Podcast MoneySavingMom.com YourBloggingMentor.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player here. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. [ad_2] Source link

[ad_1] Peru opposition bids to oust economy minister over COVID-19 response [ad_2] Source link

[ad_1] Increased focus on horticulture crops will be a win-win formula: it will help increase farm income and support nutritional security [ad_2] Source link

[ad_1] This post may contain affiliate links. Read my disclosure policy here. These Women’s Printed Graphic Long Sleeve Tops are SO cute and would make a great gift idea! Amazon has these Women’s Printed Graphic Long Sleeve Tops for just $11.99 right now! The discount will apply at checkout. There are several CUTE styles to choose from. I ordered one of these tops last fall and LOVE it! It’s super comfy and it’s become one of my favorite shirts. I especially like the detail on the elbows. Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-day shipping!). And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. Thanks, Midwest Money Saving Mommas! [ad_2] Source link

[ad_1] Oil Inventories Rose by 2.9M Barrels Last Week: API [ad_2] Source link