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[ad_1] Vietnam’s newly launched official portal states that the last dynasty reigning Vietnam, namely the Nguyen Kings, made Hue the capital city. [ad_2] Source link

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[ad_1] Exclusive: China bars media coverage of Disney's 'Mulan' after Xinjiang backlash – sources [ad_2] Source link

[ad_1] The RJD is keen on contesting more than 140 seats. [ad_2] Source link

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[ad_1] Wild weather this year shows growing impact of climate change, scientists say [ad_2] Source link

[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

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