One simply investment strategy to secure your retirement

Diversify For A Return Above Your Withdraw Rate

The rate at which one withdraws funds from their retirement account is the second most important number related to retirement right behind the rate of return that one gets from their investments. The rate of return that one gets ought to be significantly higher as an average than what one withdraws from their retirement account.

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How To Get A Big Enough Return To Make Money Last

There are a few ways that one might go about making enough money on their investments to cover their retirement expenses. The Balance recommends that one try for what is known as a “total return” investment strategy. That is a strategy that seeks to balance a portfolio so that the average ten to twenty-year return is higher than the rate of withdrawal.

In order to achieve this, one should balance out the type of investments that are in the portfolio between low-risk, low-reward investments, and higher-risk, higher-reward ones. With proper balancing, it should come out in such a way that one achieves just the results required.

Consider Investing In Some Innovative Ventures

Some companies are rather innovative in what they do. These are great to invest in when you can find them. A brand like Amcor Limited is a great example of an innovative company. They work in packaging products. They may not sound like it is all that exciting or innovative, but it is when you think about just what they do to make their product marketable.

They use science and art to make the packaging materials that they sell interesting. They have to stand out in a field of competitors that grows by the day. This is the type of company that one should try to get in on the ground floor with. If you are an early investor in something like this, you will be able to reap the rewards when this type of company inevitably grows into something larger and more special.

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Indexing It

Instead of exploring all investment options for yourself on a case by case basis, why not think about putting money into index funds? These funds make it possible to just put your money in on auto-pilot and let it do the hard work for you. Index funds are a quick and easy way to get your money spread out throughout the whole stock market.

Indexing is a popular method of investing for busy professionals. They have to think about their jobs, raising a family, and any other day to day issues that come up. They do not have the extra hours to spend looking up stock spreadsheets and listening in on conference calls. Indexing takes away all of the guesswork.

The Motley Fool recommends this as a means of getting invested for retirement because it mimics the returns of the overall stock market. Since the market has an average return over a long period of time of around ten percent, one could do a lot worse than to just stuff their money into some index funds and let it run on auto-pilot. Retirement can be just around the corner with strategies like these.

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3 Ways to Increase Exposure for Your Business

Your Business Exposure – How Important is It?

Increasing your business exposure is one of the major factors of business success. It is impossible to imagine a business becoming successful without exposure to target markets.

There are three ways to increase exposure for your business that bears serious consideration. These include:

  • Identifying target markets and customer buying habits
  • Promoting products and services over a more expansive platform
  • Proactive events that engage customer response

Identifying Target Markets and Customer Buying Habits
All businesses need to know their target markets. Not only to identify customers and their buying habits but also to keep abreast of competition in a specific industry. This requires business owners to maintain constant vigilance over their target markets, customers, and competitors by continued injections of advertising and promotions.

Set of Mega Sale flyer, poster or banner design with best discount offers.
Promoting Products and Services over an Expanded Platform
With all of the advantages of social media and the internet today, the opportunity to increase exposure for your business is as near as a business owner chooses it to be. The trick to increasing business exposure is to maintain a consistent focus on products and services in a manner that piques public interest. For some businesses, this requires regular tweaking so marketing and promotions don’t become stale to buyers.

Choose a marketing and sales promotional platform with growth potential over the long term. Advertising requires in-depth creativity to keep it evergreen and also ever evolving.

Even businesses with a single product or service can afford the luxury of gravitating toward creative advertising that captures customer attention. Advertising should be visually colorful and captivating in content. Business advertising should also connect offline with online promotions for greatest exposure.

Customers remember creative advertising they merely glance at in a magazine. When it is seen again online on a business website or link to other websites, this strengthens business exposure. This is where consistency in advertising helps businesses increase market exposure and gain prominence in their industry.

Proactive Events that Engage Customer Response
Very often, business owners overlook the fact that customers want to “belong” to businesses they patronize. This is proven by customer “trends” that increase business exposure through customer patronage at proactive events.

Consider how simple local events build local and regional exposure that eventually either by word of mouth or solid business growth becomes a household name. This is a form of customer “networking” that many business owners need to increase business exposure.

Learn to mingle among your customer base to discover their buying habits and their buyer frequency. This is crucial to understanding your target market.

Signs and Logos that Increase Exposure
Your business logo in signs, advertising and promotions play a large role in establishing your place among your competitors and within your industry. The location of business signs is best left to the advice of your signage supplier.

There is much more to locating a business sign than just erecting it or installing it. Business signage is a matter of effectiveness and inspiring impulse response from potential customers. Choose an experienced supplier to increase exposure for your business.

Best Mutual Funds For Young Investors 2017

Mutual Funds That Make Sense For Young Investors

Let’s admit it, investing is still scary for a large segment of the population, not the least of which are young people. They still remember vividly the Great Recession of 2008-2009. It was a time when stocks were creating and mutual funds for young investors were the last thing on anyone’s mind. However, the reality now is much different and some people are finally starting to approach the stock market once again. They may be doing so with a timid step, but they are starting to get back to at least looking into investing again.

The time is now for young people to invest. It doesn’t much matter if the market is too high or too low right now, it is almost certainly a lot lower than it will be when these young folks are ready to retire. As such, they should be putting aside some money for themselves and their future. The young investor who gets started today can see a huge accumulation of their money over time if they give it enough care and attention.

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With all of this being said, one type of mutual fund recommended for young people is a total market index fund. Kiplinger recommends the Vanguard Total Stock Market (VTSMX) as the right choice for today’s young person. This is an incredibly low fee fund that simply mimics the movement of the market overall as a whole. You can so that it is low on the creativity scale, but it is often much more stable than some of the other funds out there. Young people who still fear the market in some ways could do a lot worse than to have a fund that is stable and predictable.

Some might suggest that a young investor should be a little more adventurous with their investments since they are young and have time to recover any losses that they might sustain in the early days. That is a fair enough argument and probably appeals greatly to some young investors who want something a little more exciting to talk about when the subject of investing comes up. For those type of people perhaps the Vanguard Explorer (VEXPX) is the right place to turn to.

The Balance recommends this fund among others because it is something that can be a little more aggressive for those who are not fans of just sitting around and passively watching their money grow. Those who crave the action of the stock market can surely appreciate this type of fund.

Vanguard is recommended for both of these types of funds simply because they are the lowest on fees. Fees seem like a small thing that can be an afterthought for a lot of people, but the reality is that those fees can quickly eat up a big portion of one’s investment dollar if they are not careful. Therefore, it is advisable to look for funds that keep the fees low. Vanguard does that and thus earns itself the reputation of being a great place for people of any age to invest.

Is Car Signage Right for Your Business?

Is Car Signage Right for Your Business?
Have you ever been driving around town and seen car signage for another person’s business, and wondered, should I do that? Car signage can be a great way to raise visibility for a small business, and bring attention of products or services that the average person may not have heard of before, but needs to have.

Basically, a car sign, or a car wrap, is a special decal on your vehicle that shows your company’s name, logo, colors, and/or contact information like a website. Many signage companies can help you design the best car signs for your business, and place it over your vehicle. It’s a simple, relatively inexpensive piece of branding that reaches a lot of people without additional work or time on your part.

If your company car goes out on the road a lot, it can work harder for you than mailings and mass emails. It is estimated that one car with a sign can reach up to 70,000 people in a day. That’s a lot of eyeballs, and even if most never think twice about it again, all it takes is that one person who says, ‘wait, I need that’ to give you a new customer while you are driving to a current customer. Multiply that by a fleet of cars or trucks going out and visiting customers and you will reach potentially hundreds of thousands of people in your area without multiple huge advertising investments.

One of the best ways to determine if a form of advertising is right for your business is to ask a simple question: how much bang for the buck? The price will depend on the size of your vehicle and the design of the wrap, but typically will be between one and three thousand dollars. That may sound like a lot, but when you consider that it will be going in front of thousands of eyeballs a day, and last for several years, it pays for itself over time, putting it considerably lower than the cost per thousand views for newspaper ads, billboards, and mass mailings.

Your car doesn’t even have to go out on the road a lot to be a worthwhile investment either. Just having the car signage and driving your car on a regular basis, and parking it in front of your business can be a form of subtle advertising without paying money for a billboard. It also automatically puts your car and business on the same level as bigger companies, adding both legitimacy and brand awareness in your area. Anything that catches a person’s eye can be a major benefit and may lead them into your door, and unlike mass mailings, nobody is going to throw your car into the junk mail pile.

Car signage is a great way to reach a lot of people without a lot of extra effort. All you have to do is drive your vechile with van signs Brisbane on it like you always do, and thousands more people will be exposed to your business every day.

SEO for Local Businesses

If you run a smaller local business, then having a strong web presence is essential. Today, smartphones are ubiquitous, and this means that local search is a huge source of traffic, and footfall, for small business owners.

Search engine optimisation isn’t just about getting your site to number one in desktop search – although that is a useful thing. It can also be good for your business in other ways.

When you work on SEO, you indirectly end up working on improving the layout and performance of your website. A lot of the elements of good SEO are things that will improve usability. You will also find yourself more focused on producing high quality content, and getting people to link to your site – things that will pay off in terms of attracting positive attention to your site from potential visitors.

Being ranked higher in the SERPs is, of course, a positive outcome. There is a lot of research that shows that the number one spot will get you the most traffic, and that being above the fold but not quite number one is good too. The lower down the page you are, the less likely it is that you will get visitors. If you’re not on the front page at all, you may as well not exist.

The beauty of SEO is that if you take the correct approach – both in terms of on-site and off-site elements, it will help to improve your rankings not just for the handful of keywords that you have thought of, but many other “long tail” keywords.

These are highly specific keywords that show a lot of purchase intent. The long-tail keywords tend to be easier to rank for because they are so specific that they tend to have lower competition. They do also have lower search volumes, but the users who are searching for them – things like “blue velvet party dress size 6” – are highly likely to want to buy that specific thing.

This means that if you can rank well for those keywords, you’re more likely to get clicks on your search results and you’re more likely to have the user make a purchase.

It takes a long and sustained effort to rank well in the search engines, but it is worthwhile. Unlike PPC marketing, where the traffic dries up when promotion stops, SEO gives a sustained stream of traffic. Occasional breaks in promotion will not stop the traffic from coming in.

If you completely cease your SEO efforts, then there is the risk that your competitors will quickly outdo any work that you have carried out and that you will lose your rankings, but as long as you have a steady promotion plan you should find that retaining rankings is easier than getting them in the first place, and that having a strong presence in the search engines will help to make your brand look more reputable, and increase trust with your customers.

You can check out this blog for more great SEO articles

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