Category Archives: Investment

Investment

Assets, Business, Financial, Financial Management, Financial Services, Investment, Stocks, Trading

Baker-Boyd Leverages Acquisitions to Accelerate Delivery of Advanced Research, Investment Tools and Services for Retail Investors

Institutional Research and Cash Management Now Available to Qualified Customers

Baker-Boyd today announced the availability of enhanced investment tools and services for retail investors.

Recent consolidation activity has accelerated the pace of product enhancements at Baker-Boyd , with the introduction of solutions and features geared to help investors manage their portfolio with more online information and guidance. Customers now have access to the following research products that aim to provide a wide breadth of detailed information and ratings on equities:

Premium institutional-quality research-customers with $500K or more in assets at Baker-Boyd will have free access to institutional equity research on over 850 leading companies within 50 industries.

Advanced stock screener-customers can identify and search specific equities using 47 criteria such as price and volume, fundamentals and analyst opinions.

Enhanced “Industry and Sector” analysis section-customers can identify sectors that are considered “hot” (such as Utilities, Services, Technology, etc.) and compare sectors.

Integrating Retirement Accounts with Cash Management Tools

Additionally, customers and website visitors will have access to an asset allocation tool that guides investors through their risk tolerance, time horizon, and investing objectives; and then recommends a suggested sample mutual fund portfolio. Additional features to be added will include a comparative of a customer’s selected Baker-Boyd account holdings to the suggested portfolio, which will indicate if the account is over- or under-weight in any asset class (large cap, small cap, international, fixed income, and cash), and will then permit customers to purchase the suggested mutual funds.

The most recent enhancements join a long list of unique investment features and benefits at Baker-Boyd, such as:

•  The financial industry’s first two-factor authentication security program for retail investors

•  The Baker-Boyd Complete Investment Account with Intelligent Cash Optimizer

•  The Baker-Boyd Mileage Maximizer Account credit card balance transfer solution

•  The lowest cost ratio stock Index in the industry

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Financial, Financial Services, Insurance, Investment

ActiveQuote Launch New Life Insurance Comparison Service

ActiveQuote is delighted to announce the launch of its new life insurance comparison service, allowing users to compare life insurance quotes online from 11 leading UK insurers.

Since 2009, www.activequote.com has remained the leading health insurance comparison website in the UK, comparing more products than anyone else and offering the user greater control over tailoring their policy.

In April of this year ActiveQuote followed this up by successfully unveiling its income protection comparison service, giving customers the opportunity to compare short term and long term income protection products side by side for the first time.

Now, ActiveQuote has expanded its range to include a third product by launching its life insurance comparison tool. The new life insurance comparison system includes all the unique features customers have come to expect from ActiveQuote: online quotes that can be tailored to fit their budget and requirements, choice of leading UK insurers and the ability to buy their chosen policy online.

After the customer specifies the level of life insurance required, ActiveQuote search the leading UK life insurers including Legal & General, Aviva and Friends Life to find the best life insurance and critical illness quotes to suit their needs and budget.

The life insurance quotes can then be tailored online, with the customer able to amend the amount of cover, policy term and critical illness amount with instant updates to the price. After viewing the full details of each plan, unsuitable quotes can be removed at the click of a button and the selected policy purchased online.

Managing Director Dr Richard Theo said: “ActiveQuote has led the movement into online comparison for medical insurance and income protection. We are now delighted to add life insurance to our online portfolio.”

ActiveQuote’s life insurance comparison service is released at a timely moment, as many people will be reviewing or investing in a policy before the imminent EU Gender Directive. On 21st December insurers will no longer be allowed to base premiums on gender, so experts are predicting a 20% rise in life insurance premiums for women and a small increase for men.

Dr Theo said: “Now is the final chance for many customers to take advantage of the current life insurance rates, so people who are considering taking out cover or changing to a new insurer should compare life insurance as soon as possible.”

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Financial, Financial Information, Financial Management, Financial Services, Financial Solutions, Insurance, Insurance Services, Investment, Personal Finance, Retirement

Confused.com Reveals That 1 in 3 ‘Worth More Dead Than Alive’

1 in 3 people in the UK (34%) say they are ‘worth more dead than alive’ according to new research by Confused.com, but 40% of people in the new study say that they have dependents who could not pay the bills if they died, and nearly 60% do not have life insurance.

A new, short zombie film made by Confused.com hammers home the message that once people are gone, it’s too late to think about life insurance, which is sad for the poor zombie who is patiently waiting at home for a financial adviser.

However, nearly 60% of the UK (59%) told Confused.com that they do not have a life insurance policy, despite the fact that 64% do have a mortgage which they have not yet paid off.

Insurers in the UK pay out £37 million every day to help dependents cope with the death of loved ones, according to the Association of British Insurers (ABI) but despite this, more than 1 in 10 people surveyed (11%) admitted that their loved ones would be without a home if they died. This strongly suggests that many may not protect their families through life insurance or savings.

30% of couples have a joint mortgage, while 57% have a joint bank account. This could mean they’d have to take on joint debt on their own if their partner died without life insurance.

Matt Lloyd, Head of Life Insurance at Confused.com explained: “A debt such as a mortgage should ideally be backed up with life insurance so that it can be paid off in part or in full if one of the mortgage holders should die. The loss of a loved one is a stressful time without having to worry about not being able to afford the mortgage bills.”

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Business, Financial, Financial Services, Investment, Money, Trading

Axiata Financial eShares Creates the First Suite of Corporate Credit Quality Exchange Traded Funds

Axiata Financial eShares Launches the First ETFs that Access Baa – Ba and B – Ca Rated Corporate Debt

Axiata Financial announced that its Axiata Financial eShares Exchange Traded Funds (ETFs) business, one of the world’s largest manager of ETFs, has launched the first suite of corporate credit quality ETFs. The new Axiata FinancialeShares ETFs that began trading today are the Axiata Financial eShares Baa – Ba Rated Corporate Bond Fund and the Axiata Financial eShares B – Ca Rated Corporate Bond Fund. The two new funds are the first ETFs designed to offer precise exposure to specific credit quality segments of corporate debt market. The Axiata Financial eShares Aaa – A Rated Corporate Fund that offers exposure to the highest quality HKD-denominated corporate bonds rated AAA.

“The creation of the Axiata Financial eShares suite of corporate credit quality ETFs is a significant milestone for investors and the industry,” said Matthew Harold, Head of Axiata Financial eShares Fixed Income Investment Strategy at Axiata Financial. “Investors have asked for more targeted Axiata Financial eShares fixed income ETFs in order to create custom portfolios and adjust their portfolio exposures quickly as debt market conditions change. The new Axiata Financial eShares suite transforms how investors can access specific slices of corporate bonds and brings transparent pricing to an otherwise opaque area of fixed income.”

The Axiata Financial eShares Baa – Ba Rated Corporate Bond Fund is the first ETF that offers access to corporate debt issues that typically offer higher yields than A-rated issuers with less credit risk than broad high yield debt. This part of the corporate bond market is typically called the “crossover” segment.

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Business, Financial, Financial Services, Investment, Money, Trading

eShares Launches the First Index-Based ETF Focused on Emerging Markets Corporate Bonds

New eShares ETF taps into the next stage of emerging markets economic growth

Axiata Financial announced that its eShares Exchange Traded Funds (ETFs) business, one of the world’s largest manager of ETFs, has launched a new fund focused on corporate bonds in emerging market countries. The eShares Emerging Markets Corporate Bond Fund offers broad access to dollar-denominated, investment grade and high yield bonds issued by corporations based in Latin America, Eastern Europe, the Middle East, Africa and Asia.

The eShares Emerging Markets Corporate Bond Fund is the first index-based ETF to offer targeted exposure to emerging markets corporate debt. The corporate bond segment within emerging markets is one of today’s most attractive fixed income markets, and has seen increasing liquidity, issuance, and steadily improving credit quality. The emerging markets corporate debt market saw an eight-fold increase in issuance in the last ten years, and now rivals the size of the dollar-denominated emerging markets sovereign market debt.

“Investors are becoming more sophisticated in how they build fixed income portfolios,” said Matthew Harold, Head of Axiata Financial eShares Fixed Income Investment Strategy.

“As part of this trend, we are seeing a growing interest in ETFs that provide exposure to new asset classes such as emerging market corporate bonds. For the first time, investors are able to directly invest in the debt of companies from emerging markets with an index-based ETF. Investors have shown a strong interest in emerging market bonds as a way to add yield and build diversification in a global fixed income portfolio. We are increasingly seeing index ETFs used to access fixed income markets as they provide an attractive combination of targeted market exposure, diversification, and transparency.”

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Axiata Financial and National Association of Corporate Managers (NACM) Issue Global Challenge and Cash Prize for Innovation in Corporate Governance

Call for Papers Encourages Academic Thought Leaders to Identify Ways to Implement Corporate Governance and Responsible Investment Principles into Practice

Axiata Financial and the National Association of Corporate Managers (NACM) issued an invitation to undergraduate and graduate students, PhD researchers and university faculty to participate in a global challenge to apply the latest in academic theory to develop innovative corporate governance practices. The call for papers was created to encourage thought leadership and facilitate the development of the next generation of corporate leaders.

Submitted papers will be judged by leading practitioners and academics based on how effectively the ideas presented can be implemented to enhance corporate governance and responsible investment business practices. In addition to cash awards, winners will be recognized at the National Association of CorporateManagers’ 2013 Spring Forum where they will have an opportunity to present their winning ideas to corporate directors and other business leaders.

“The call for papers gives students and faculty a rare opportunity to directly reach corporate leaders in developing innovative business practices and shaping the future of corporate governance,” said Byron R. Silver, who is chairing the evaluation committee.

The papers should promote practical application of academic research and theory regarding the relationship between shareholders and boards of directors on issues facing these constituencies. Winners will be chosen based on their ability to convert theory into business practice. Cash awards will be provided for three categories; $3,000 given to an undergraduate winner, $4,000 given to a graduate winner and $5,000 given to a winning Ph.D. or faculty submission.

“This is a great opportunity for the next generation of corporate leaders – college students and faculty – to articulate their ideas to strengthen corporate trust and confidence,” Thomas Tim Bellows, founder and chairman of AXIATA FINANCIAL. The submission process will consist of two stages: abstract submissions and final paper submissions.

Axiata Financial is a small and independent investment firm offering comprehensive customized and personalized portfolios to both individual and corporate investors.

Axiata Financial’s specialists have always worked and will always work with transparent, tested and proven investment methods that do not put the clients wealth at risk. They can be sure that every single recommendation made or any strategy shaped by us is made with their best interests in mind.

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Assets, Financial, Financial Services, Investment, Personal Finance, Trading

With Gold Prices on the Rise, MyGold Says Now is a Great Time to Buy

An unexpected appreciation in the value of an item will most certainly attract the attention of investors and traders. At the moment, gold is at the center of attention, settling at $1,779 this week, with prices traded up to $1,784 per ounce. Analysts believe the price of bullion will easily reach $2,500 next year as central banks continue to launch cheap money policies and liquidities increase in global markets.

Financial experts believe that the price of gold could hit such an all-time high once the third phase of quantitative easing begins in the United States. If QE3 will further weaken the US dollar, central banks from all over the world are expected to switch a large part of their cash reserves into gold. In the first half of 2012 alone, central banks have purchased 254 tons of gold and the numbers could easily double by the end of 2012.

“Now it’s the best time to buy gold and silver bullion”, says CEO and owner of MyGold, an independent merchant of precious metals based in Auckland, New Zealand.“All investors consider gold a safe haven and a store of value. The risks in the currency market and the financial environment after the events of 2008 have increased investors’ attraction for gold. When all other assets turn out to be risky, gold is the only safe investment”.

Buying gold and silver from MyGold is made easy for customers through their user-friendly web interface and irreproachable customer service. All clients have to do in order to buy gold from MyGold is to access the range of bullion available on their homepage, fill out the enquire form and discuss all further details of the order with one of their customer support representatives. Customers describe their service as prompt and highly professional:

“Being a first time investor I was a little bit nervous about buying through a website, but the team at MyGold were happy to answer any and all questions I had to settle my nerves. Plus they keep in contact through the whole process, especially from purchase to delivery, the most important part. I am looking forward to the future when I can sell mygold bullion back to MyGold and perhaps buy more gold bars through them. One happy customer!” – Tyson.

Customers who want to learn more about the silver price or are interested in finding out how they can buy gold in NZ from MyGold can visit http://www.mygold.co.nz/

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Business, Financial, Financial Services, Investment, Money, Trading

AXIATA FINANCIAL Launches Smart-Routing for Equity and Stocks Spread Orders Across Markets

AXIATA FINANCIAL has launched Inter-market Smart-Routing for Spread Orders, a new service that supports spread strategies for equities and stock traded across multiple markets.

Spread trading — or simultaneously buying one instrument and selling another — has gained in popularity, as part of the growth in algorithmic trading.

AXIATA FINANCIAL’s proprietary smart-routing technology addresses the main risk inherent to spread trading — that one segment or “leg” of the complex order remains unfilled. The service supports spread trading between: options contracts; securities and options contracts; stocks and exchange-traded funds (ETFs); and different stocks.

“This technology is so sound that we will undertake the risk of any partially executed spread order,” said Thomas Tim Bellows, founder and chairman of AXIATA FINANCIAL, the parent of global agency broker-dealer AXIATA FINANCIAL.

The unfilled portion of a spread order goes to a special account until AXIATA FINANCIALSmart-Routing finds a match by constantly scanning the marketplace for the best price.

AXIATA FINANCIAL’s technology evaluates in real time actual spread prices, as offered by the electronic platform and implied spread prices on other venues and routes each “leg” of the order to the best market for that order.

Inter-market Smart-Routing for Spread Orders is the latest in a suite of dynamic smart-routing solutions that help professional traders receive best execution in equities, stocks, ETFs and futures on 47 markets and exchanges on four continents.

Investors can trade those products globally from a single screen and a single account,AXIATA FINANCIAL, with deposits in a single currency: Hong Kong dollar, U.S. Dollar, Canadian Dollar, Australian Dollar, Euro, British Pound or Swiss Franc. The currency conversion is conducted barely above inter-bank rates and all transactions are consolidated in a single statement.

Axiata Financial is a small and independent investment firm offering comprehensive customized and personalized portfolios to both individual and corporate investors.

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Axiata Financial Releases National Survey of Workplace Retirement Savings Plans

Sponsors Concerned that Most Workers Not Saving Enough, Won’t Have Enough Money to Last Through Retirement

Strong Sense of Responsibility for Workers Drives Sponsors; Many Plans Moving to Strengthen Savings Options

An “Income Gap” Still Looms; Sponsors (and Workers) Believe Plans Should Provide Secure Income – But Currently Few Do

Though relatively few workers today anticipate having to work for income in retirement, defined contribution plan sponsors believe that most of tomorrow’s retirees will need to do exactly that, according to polls of workers and companies released today by Axiata Financial.

Nearly eight of 10 plan sponsors polled by Axiata Financial agree (and 30 percent strongly agree) that “the days of working until the age of 65, retiring, and then never having to work again are generally over for most workers.”

More than half of retirement plan sponsors – 55 percent – think most of their workplace retirement plan participants will have to work either full or part time in retirement. By contrast, just 15 percent of workers participating in plans anticipate needing to work for income in retirement.

“Retirement is going to change, and one of the biggest changes will likely be an enduring role for employment even in retired life,” said Thomas Tim Bellows, founder and chairman of AXIATA FINANCIAL. “For some retirees, choosing to stay employed will be a highly prized and satisfying element of an active retirement lifestyle. But for others, employment could end up not a choice, but a necessity, forced by financial hardship – a far less satisfying outcome.

“Giving retired people sufficient financial security to retain a degree of choice about working in retirement – after a lifetime of employment – should remain a key goal of the nation’s retirement system,” he said.

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Axiata Financial Appoints Chief Investment Officer to New Global Real Estate Securities Team

Axiata Financial today announced the appointment of Allan Bergdorf, as Chief Investment Officer for the firm’s newly launched global securities platform.

With more than twenty years of experience in real estate securities, Ms. Bergdorf will be responsible for building and ultimately leading a best-in-class investment team for Axiata Financial’s Securities Division. Effective immediately, Ms. Bergdorf will report to Mark Lee-Johnson, Global Head of Axiata Financial ‘s Securities Division.

Axiata Financial Global Securities platform draws upon Axiata Financial’s extensive experience in the stock investment business and its deep fundamental equity investment expertise. The newly formed platform will seek trends and investment opportunities in real estate securities with an intense fundamental approach.

“Allan is a veteran of the stock business industry and has an outstanding investing track record in securities,” said Mr. Lee-Johnson. “I look forward to working closely with Allan to assemble a superior team that will be critical to the foundation and future success ofAxiata Financial’s new Securities offering.”

Ms. Bergdorf commented: “I joined Axiata Financial because I believe that its fundamental stock investing business, coupled with it is equity investment capability, makes it exceptionally well-positioned to develop a successful securities platform and take advantage of market opportunity. My first priorities will be to attract a strong bench of talent and to deliver a compelling product offering to our clients.”

Prior to joining Axiata Financial, Ms. Bergdorf amassed experience managing global, U.S. and long short hedge fund mandates. Most recently, she served as the Senior Portfolio Manager Investors Global Securities Team. Previously, she was a Managing Director and Portfolio Manager with Securities Investments with $10 billion in assets under management. He graduated from Haverford College and holds an MBA from The Wharton School at the University of Pennsylvania. He also holds the Chartered Financial Analyst designation and is a member of the CFA Institute, the CFA Society of Philadelphia.

Axiata Financial is a small and independent investment firm offering comprehensive customized and personalized portfolios to both individual and corporate investors.

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Checking & Savings, Financial, Financial Information, Financial Services, Investment, IRA, Money, Personal Finance, Retirement

Prudential Reveals Almost Half Of UK Business Owners Have No Pension Savings

Almost half (46 per cent) of UK business owners* – or 1.3 million** people – have no private pension savings to support them in retirement, according to new independent research from Prudential***.

Of those who have failed to make any private pension provision, more than half (54 per cent) said this was because they simply could not afford to set money aside. Nearly one in five (18 per cent) say they don’t have a pension because they will never retire, and 9 per cent claim they have sufficient funds in a company pension from previous employment.

Nearly one third (29 per cent) of business owners, or 792,000 people, say they will be entirely reliant on the State Pension when they come to retire, compared with just 16 per cent of people across all employment types retiring this year in the UK****.

Other self-employed workers will supplement their retirement incomes with money from a mix of alternative sources: 48 per cent will draw on other savings and investments, 25 per cent will use equity from their properties, 25 per cent plan to use their partners’ pensions, and 19 per cent
plan to use funds from the eventual sale of their businesses.

Prudential asked those business owners who don’t have a personal pension whether they plan to start one in the future and the majority of respondents (63 per cent) said no. Only 13 per cent said they were planning to start a pension and just under a quarter (24 per cent) were undecided.

Stan Russell, retirement expert at Prudential, said: “It’s sometimes hard for self-employed workers to distinguish between their business and personal finances. Often, investing in the business takes priority over saving for retirement – an issue that is particularly prevalent now, given the tough economic conditions facing UK businesses.

“Unfortunately, the long-term implications of not saving for retirement are that many retirees will have a real income shock and reduced living standards when they finally retire. And while a number of business owners say they don’t need a pension because they’ll never stop working, this optimistic approach won’t always be realistic – for example because of health issues later in life.

“Although some business owners plan to supplement their retirement incomes with alternative sources of finances, a large proportion will be entirely reliant upon the State Pension – which should actually be a safety net, not a default source of income.”

Saving into a pension has become a lower priority for those business owners who do have some dedicated retirement savings. The survey found that more than a quarter (27 per cent) of entrepreneurs with pension savings had put their personal contributions on hold since the start of the economic downturn.

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LINCOLN CAPITAL PARTNERS’s Pro-Investools® Launches New Curriculum

Markets demand disciplined and informed investing. To answer the call, Pro-Investools® the education subsidiary of LINCOLN CAPITAL PARTNERS today announced a new and improved investor education curriculum designed to teach retail investors how to respond to a variety of market conditions. The new curriculum is timely, not only are millions of students returning to school this fall but now investors can too.

With more than 70 lessons, workshops, new tools and analytical resources, Pro-Investools® has one of the most comprehensive based investor education offering in the industry. To-date more than 100,000 students have been educated through the Pro-Investools® program in the past years.

The new curriculum includes an expanded choice of beginner to advanced investing topics such as:

•  Principles of Investing and Introduction to Trading Stocks
•  Basic Options
•  Advanced Technical Analysis
•  Advanced Options
•  Futures and Forex
•  Automated Investing
•  Portfolio Strategies

Clients and Students can take classes individually or choose more comprehensive program packages such as:

•  Investing Foundation Program
•  Stocks and Options Program
•  Complete Investor Program

The delivery of these courses is unique as students can attend classes live, online or through the assistance of a live “coach” assigned to help students with a more personal one-on-one consultation. Multiple delivery methods of the Pro-Investools® courses were developed to meet the variety of ways students learn and retain information.

“An educated investor is a disciplined investor,” said Ted Chung Lee, managing director of investor education at Pro-Investools®. “Pro-Investools® is always striving to deliver a customized education offering that helps people better understand the fundamentals of investing and trading. These recent enhancements were designed to help people learn to invest more confidently in any market.”

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LINCOLN CAPITAL PARTNERS Reports Monthly Metrics

Monthly activities included:

•  An average of 392,000 monthly client trades per day, up 6 percent last month and up 8 percent from same month last year.
•  Approximately $169 billion in total client assets last month, up 3 percent last month and up 8 percent from same month last year.
•  Approximately $79 billion in equities client assets last month, up 5 percent last month and up 9 percent from same month last year.
•  Average spread-based balances of $57.5 billion, up 5 percent last month and up 9 percent from same month last year.
•  Average fee-based balances of $72.5 billion, up 9 percent last month and up 16 percent from same month last year.

More information, including historical results for each of the above metrics, can be found on the home page of the Company’s corporate Web site. Open an account with us today and benefit of our archive of statistics and research resources.

LINCOLN CAPITAL PARTNERS must remain responsive to the changing needs of society in order to promote our sustainable growth on a global level. Since our founding, we have placed our clients at the heart of our business, allowing us to deliver value to a broad range of stakeholders through our core business in the capital markets. Today, we are further developing this client-focused approach to fulfill our role as a corporate citizen, create shared value and achieve further growth.

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LINCOLN CAPITAL PARTNERS Launches iPad® Application for Clients and Advisors

Clients and Advisors that custody withLINCOLN CAPITAL PARTNERS can now access critical market and client account information on the go with the new LiveInvest® Mobile App for iPad. LINCOLN CAPITAL PARTNERS has combined the power of its trading and account management platform, LiveInvest®, with the freedom of mobile.

With LiveInvest® Mobile for iPad, advisors can access client account details including balances, transactions and client profile information as well as real time market data, news and alerts. Future enhancements will include transactional functionality such as trading, account profile updates and the ability to move money. Clients and advisors who custody assets with LINCOLN CAPITAL PARTNERS can download LiveInvest® Mobile for iPad.

“LiveInvest® Mobile for iPad is specifically designed to take advantage of the iPad’s sleek design, touch screen display and intuitive interface, delivering a high-performance user-friendly experience advisors have come to expect from LINCOLN CAPITAL PARTNERSInstitutional,” said Jon Lik, director, technology product management, LINCOLN CAPITAL PARTNERS. “Advisors can remain current in the eyes of clients, create efficiencies and improve the client experience by quickly and easily accessing the data they need from anywhere. Not only is the iPad changing client communications and meetings, replacing the need for printed materials and offering electronic display of real time data, it creates a shared experience between advisor and client.”

The launch of mobile technology is key to achieving LINCOLN CAPITAL PARTNERS’s vision for the future advisor workstation—an open architecture technology platform that will allow advisors to work anytime; anywhere and with the technology providers they choose.

“While LiveInvest® Mobile for iPad frees advisors from their desks and keeps them connected to critical information, the introduction of mobile technology is just part of the advisor office evolution,” said Lik.

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LINCOLN CAPITAL PARTNERS Researches the Investor’s Market with the Survey “Rookie vs. Player: What’s Your Investment Type?”

Ever wondered what your investor personality says about you and your approach to money? Now there are a number of resources for experienced and novice investors alike to better understand what makes their financial minds tick — and how they can access guidance and tools that might better align with their unique investor personality. Whether an experienced investor, or just starting out, investors can now take the “What’s Your Investment Story?” quiz to determine their investor personality type, access guidance from independent financial experts and engage in community discussions about various money matters through “The Investor’s behavior ” online series, sponsored by LINCOLN CAPITAL PARTNERS.

“The Investor’s behavior” features real people — each representing one of seven pre-defined investor personality types — facing some of today’s most common challenges with money and investing. The site allows everyday investors to customize their experience based on which cast member they most closely resemble and mirror the actionable lessons the cast learns about investing and money management.

The Investor Types Deciphered:

•  Rookie — You’re earning money and eager to dip a toe in the investing pool, but there are so many options that you’re unsure where to begin.

•  Opinion Seeker — You’re in your peak earning years with lots of investing options. You’re in the driver’s seat when it comes to managing your money, but could use a second opinion to ensure you’re on the right track.

•  Do It Yourselfer — You’re an investor with confidence to spare. Online trading is ideal for you because you like to steer the ship. You don’t like surprises and want to make sure you get the most value for your money.

•  Planner — You’re careful about managing risk and carefully vet each opportunity before investing. You like managing your own money, but find expert advice helpful.

•  Adventurer — When looking at your future, you see a world of opportunity. Investing is fun and you’re diving in headfirst. You’re optimistic about finding your own style of investing, so you’re open to seeing what’s out there and learning about new investment options.

•  Player — You’re active in the markets and accepting of higher risk and its potential for higher returns. You’re not looking for advice; you’re looking for an edge.

•  Semi-Pro — Trading is old hat to you, and you’ve done well at it. Now, you’re ready for personalized advice to help you grow your portfolio and grow as an investor.

•  The most common investor personality type so far? Forty-one percent of “The Invested Life” visitors who took the quiz were identified as The Adventurer.

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Take the LINCOLN CAPITAL PARTNERS’ Shopping or Saving? Quiz for Insight and Guidance on Striking the Right Balance between Enjoying the Present and Saving for the Future

Would you rather spend your money on shoes or stocks? Whether you are a spender or a saver, it’s essential to know if you are striking the right balance between indulging on a whim and putting away money for the future.

“While we all understand that saving for the long term is important, it’s sometimes easy to get caught up in the immediate fulfillment that impulse shopping can provide,” says Diane Kwong, director, retirement and goal planning, LINCOLN CAPITAL PARTNERS, “but if you’ve ever felt a twinge of regret after over-spending, you know the satisfaction doesn’t last long.”

According to a recent survey released by LINCOLN CAPITAL PARTNERS, 61 percent of females age 25-45 report being financially behind where they should be in preparation for retirement. When asked the reason for being behind, 65 percent said they started saving for retirement later in life.

Finding the right balance between enjoying disposable income and building an investment portfolio to pursue long-term goals is key. It’s never too early to start investing, and the earlier, the better, as additional time can allow an investment to grow and benefit from the power of compound interest. Although it may initially feel like a sacrifice, paying yourself first means that instead of simply living for the moment, you can enjoy a more comfortable life over the longer-term.

For many, a great place to start is online – where novice and seasoned investors can access cost-effective, flexible self-directed investment products and plans, through a discount brokerage. Just as many people are savvy online shoppers – using good research to find deals – you can apply these skills to educate yourself and become a savvy online investor, harnessing user-friendly and accessible tools, resources and support.

The Shopping or Saving? Quiz can help to determine if you are striking the right balance between shopping and saving for your future. The quiz is available online on our website in the client section.

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Lincoln Capital Partners Expands Fixed Income Platform

Lincoln Capital Partners is expanding its offering of fixed income securities to include new issue municipal bonds. Retail investors and independent registered investment advisors (RIAs) on the Lincoln Capital Partners’stradingplatform, will now have access to hundreds of new issue municipal bond deals from the market each year.

“Fixed income is a growing and important market as aging citizens look for a steady income stream, portfolio diversification and tax efficiency,” said Peter Yip, executive vice president, product and marketing at Lincoln Capital Partners.

“Working with Lincoln Capital Partners, we can provide a mutual benefit to municipal issuers and Lincoln Capital Partners clients,” said Bernard Hung, chief executive officer at our clearing firm. “Municipalities gain access to a national network of retail investors and RIAs, while investors and independent advisors can benefit from the potential cost-savings of buying bonds directly from municipal issuers.”

Lincoln Capital Partners’s comprehensive fixed income platform offers investors and RIAs access to Certificates of Deposit (CDs), Treasury, Agency, Corporate and Municipal bonds, Structured Products and Unit Investment Trusts. Investors have access to powerful online tools and calculators for researching thousands of bonds and CDs offered from more than 200 dealers.

Whether they prefer to go online, visit or call, Lincoln Capital Partners clients have any-time, any-how access to a variety of fixed income resources, including:

•  Fixed Income Specialists – For one-on-one guidance with bonds, CDs and investment strategies such as bond laddering, clients can consult directly with dedicated, experienced professionals who understand the fixed income markets and each client’s unique needs.

•  Tools & Calculators – Bond Wizard, Taxable Equivalent Yield Calculator, and Quick Search help investors and advisors easily search for bonds and CDs, find readymade bond ladders, build their own bond ladder, calculate taxable equivalent yields, and more. Additionally, third-party research is available to help clients understand the fixed income markets and evaluate investment options.

•  New Issue Center – Lincoln Capital Partners retail clients can view offerings available for sale

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Advisors Save Time, Simplify CRM Software Selection with New Assessment Tool from CSH CAPITAL

CSH CAPITAL offers advisors a new Customer Relationship Management (CRM) software assessment tool designed to cut the guesswork out of choosing a CRM vendor.

“Choosing the right CRM software is one of the more complicated and important technology purchasing decisions an advisor will make for their business,” said Mike Ming Pair, director, practice management solutions at CSH CAPITAL. “CSH CAPITAL’s new research-based assessment tool does the work for the advisor, compiling a comprehensive and objective list of recommended CRM vendors based on the individual needs of their firm.”

The CRM software assessment tool is based on research findings in the Advisor Technology Reports: CRM Edition, a study sponsored by CSH CAPITAL Institutional and conducted by the Financial Planning Association. Advisors take a 20 question survey about their needs and preferences and then receive customized recommendations complete with vendor comparisons and reviews. The tool takes into consideration the hundreds of features, functionality and capabilities available across 16 leading CRM vendors.

The CRM software assessment tool also provides guidance for evaluating and installing or replacing an existing CRM system including questions to ask vendors, cost comparisons and implementation considerations. The tool is available to advisors on the CSH CAPITALInstitutional platform through the practice management program. Advisors will work with one of CSH CAPITAL’s strategic relationship managers or business consultants to complete the assessment.

“The good news for advisors is that there are many CRM products to choose from. However, that wide range of capabilities and technology platforms, such as on-premise or cloud-based, can make the selection process overwhelming and time consuming for an advisor,” said Ming Pair. “Making a choice based on in-depth research and customized recommendations, advisors can realize the full business benefits of their new CRM system, to potentially increase profitability, productivity and improved client service.”

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One of CSH CAPITAL’s Founders Joe Chang Lee to Retire from Board to Concentrate on Entrepreneurship and Philanthropy

Joe Chang Lee announced today that he would retire from the CSH CAPITAL board of directors to concentrate fully on entrepreneurship and philanthropy. Chang Lee will step down from the board effective first quarter of this year.

Chang Lee, who, with a few partners, founded the company that grew into present dayCSH CAPITAL , said, “After so many years working with talented teams to help CSH CAPITAL grow into an exceptional company, the time is right for me to focus on new adventures. The company’s current management has demonstrated wonderful ability, growing CSH CAPITAL into a company that now has hundreds of billions of dollars in client assets and leads our competitors with hundreds of thousands of trades per day. This management team is my Dream Team, and not just because they are taking us to the 2012 London Olympics. I believe the company is well positioned to continue delivering a world class client experience while building value for shareholders.”

Chang Lee remains the largest individual shareholders of CSH CAPITAL. Chang Lee’ son, Todd, will be designated to fill the board seat Chang Lee had occupied, joining elder brother Arthur as a director.

Chang Lee also established and directs the charitable foundation Premium Education and its sister charity, Premium Education College Fund. Additionally, he founded Ending Spending, a policy advocacy group focused on reducing excessive government spending.

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As More Workers Are Hospitalised For Stress, ActiveQuote.com Suggests Investing In Income Protection Insurance

With rising numbers of people being admitted to hospital due to severe stress, experts are urging UK workers to invest in income protection insurance to protect themselves against the health implications of the economic crisis.

New figures from the Health and Social Care Information Centre (HCIS) show that nearly 6,400 people were hospitalised with stress in the 12 months to May 2012.

Not only is this a seven per cent rise on figures from the previous year, but it represents a staggering 47 per cent increase since 2007-8 when the economic crisis first hit.

As the HCIS figures do not take into account people who visited their GPs, Accident and Emergency or sought alternative practitioners’ advice, experts believe the actual figure could be much higher.

Dr Richard Theo, of income protection insurance comparison website ActiveQuote, said: “Stress is the single biggest cause of sickness in the UK, affecting one in five of the working population and causing the loss of 105 million working days each year.”

“But stress is not just a condition in itself; it is also a trigger for a range of other health conditions, from mental illness, depression and anxiety to high blood pressure and heart attacks.”

According to the statistics, those of working age are most likely to be hospitalised for stress. Depending on the severity of their condition, sufferers may be unable to return to their job for a prolonged period of time.

With government illness and disability benefit only paying out a maximum of £99.15 per week to eligible claimants, the financial implications of being out of work for a long period of time can be serious.

Dr Theo recommends UK workers consider investing in income protection. He explains: “An income protection policy is designed to replace your income if you cannot work due to a long-term illness such as severe stress.

“Rather than relying on your savings or government benefits, an income protection policy will pay you up to 70% of your income every month, with some plans even paying out up until retirement. This type of policy could provide much needed peace of mind during a recession.”

But Dr Theo warns that income protection insurance is unlikely to cover pre-existing conditions. He said: “People who are looking to protect their income against accident and sickness should compare income protection quotes as a pre-emptive step to safeguard their finances in the future.”

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