It is commonly accepted that the vast majority of mutual funds fail to even match the performance of its benchmark index (IBEX 35, Eurostox 50, S & P 500, etc.). Long term. Some may beat during certain periods of time, but are not able to overcome long periods. There have been many studies on all mecados and the result has always been the same, mutual funds provide a long-term profitability below its benchmark. Only a tiny amount of funds has...more
The big Spanish banks (Banco Santander, BBVA, Banco Popular) and any other company, such as Iberdrola, have programs of reinvestment of dividends to its shareholders. For example, dividends that are charged to the shares of Banco Santander which are held in the portfolio are used to buy more shares of Banco Santander.To qualify for these plans only have to deposit the shares in the bank itself (or any of its affiliates) and apply. That is, if you...more
The stock index (IBEX 35, Stock Exchange General Index of Madrid, S & P 500, Dow Jones, Eurostoxx 50, Xetra DAX, CAC 40, etc.) Do not include dividends paid by companies. This means that when, based on a particular index, a means of public communication that the stock is up X% in a given period in that calculation is not including dividends paid by companies that comprise the index during that period. If such dividend included the revaluation would be much higher.You can include these dividends in the calculation of the indices. The called up "total indices" are the "brothers" of the normal rates that do take into account the dividends. In the Spanish stock exchange is the case of IGBM and his "brother", the ITGBM: IGBM: General Index of Madrid Stock Exchange. The index is published every media daily.ITGBM: Total General Index of Madrid Stock Exchange. It is the IGBM but considering that distribute dividends the companies comprising the index. Do not publish any media daily. It's pretty hard to find his quote because it advertises very little, but is available on the website of stock exchanges and markets .Both indices base 100 definitely took 31.12.1985 (until this year both...more
Average, or pyramiding, low is to buy more shares of a value that already has at prices below that made the initial purchase.Do it right or not depending on the value and the strategy that uses the inverter.I think when you trade should not be averaged down ever. It is a fatal error. If an operation does not evolve as expected at the time of...more
The Spanish stock market is one of the cheapest (in terms of transaction costs), efficient and transparent in the world. In addition, many Spanish companies are among the strongest and best managed in the world. It is therefore logical that a large part of capital of a Spanish investor is in the Spanish stock market. It is reasonable to want to...more
Financial agreements can be accessed by any two people who are married or are preparing to marry. Financial agreements are binding - in that sense they are very hard to overturn - but they do need to satisfy the official requirements specified in section 90G of the Family Law Act 1975 (the Act) to achieve this status: the agreement must be written. An oral agreement wont suffice. It is because they are quite intricate documents, and uniqueness is vital; both parties must obtain independent legal advice from a legal practitioner. These tips must tell each of you what the agreement means for you, in terms of your rights, and the positive aspects and disadvantages of the agreement. It is encouraged that you get this advice in writing; the agreement must include a clause saying you have each acquired such advice; a finalized certificate from the legal practitioner attesting to these suggestions must be attached to the agreement; each party must sign the agreement; finally, each party must have either a copy or the original of the financial agreement.These steps fundamentally avoid either party from saying they were not conscious of the implications of the agreement when they accessed...more
Have you been looking for passive income ideas to help you earn a great income online that you can achieve financial freedom with? Thousands of people everywhere are searching for the same thing and you are about to find out the most powerful ideas...more
Many Americans worry about retirement planning. Financial advisors with a certificate from a retirement institute can help navigate the complexities of retirement planning. About 50% of US workers over the age of 45 do not know what they need in...more
It is tempting to call binding financial agreements pre-nups, but this ignores most of the picture. Binding financial agreements may appear at any time before, during and after a marriage ends. In essence, these describe the whole process of what...more
Have you already completed a recognized diploma or degree program and wish to acquire a specialization in the emerging field of forensic accounting and financial fraud investigation? If you are able to submit an official transcript demonstrating...more
When you face cash crunch then sometime you feel your life is full of difficulties. People every time feel tense when some sudden fiscal issues arrive and to cope from them they will search for additional cash assistance. Those have some good...more
The standard of living of the common man is improving, thanks to the various financial solutions offered by banks and private finance companies. Today consumers can afford a new home, car, higher education for their children and much more due to the...more