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Tips For The Beginning Investor

By Mort Litwack

I spoke with a young woman who has an 8 year old child and is interested in investing for his future education. She has some money saved in a bank account and would like to now become a more active investor. I shared some general ideas about investing with her.

I told her you have to try different things, because "The answer lies in the experience." As my Dad used to say, "Any business will teach you, if it doesn't kill you off in the learning process."

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1. Look at your investing from a total, top down approach.

That means begin with listing your assets and liabilities, just like you would if you were applying for a loan. Some people have IRA's, company pension plans, and other assets, but they are viewed piecemeal, rather than as a total picture. When investing, it is a good idea to know what each investment is contributing to the whole pie. Managing an investment portfolio is like taking care of a garden. It needs to be weeded (stocks sold) and fertilized (new money added).

2. Diversify your investments.
Twelve to fifteen stocks are enough to watch. Six to eight mutual funds are sufficient. Through diversification, rather than having all your eggs in one basket, you balance out the risk by having many baskets. One way of diversifying is by industry. Another dimension is small, medium and large capitalization stocks.

Index funds are a popular way to invest. For example, Standard and Poors 500 (S&P), is a yardstick to measure the total market. There are index funds that reflect the S&P 500 that allow you to spread your investment out over 500 stocks rather than just one stock.

3. Explore Stock Clubs
There are stock clubs available, where people join to learn more about investing in the market. These clubs usually meet monthly. Everyone contributes to the club fund and does research to determine what investments will be made. Going through the stock selection process, you can learn more about investing. The National Association of Investors Corporation (NAIC) can be contacted through Better Investing, P.O. Box 220, Royal Oak, MI 48068.

4. Dividend Reinvestment Programs

Another way to begin a small investment program is to use Dividend Reinvestment Programs (DRP's). There are many companies where DRP's are available. You can buy as little as one share of stock from the company and can add to your investment. Through NAIC, for a one-time set up charge of $7, and the price of one share of stock, you can invest in any one of 150 companies. Better Investing is the publication for NAIC. Website: http://www.better-investing.org. For more information on DRIP's check out this other article in this very same issue

So, if you have some interest and would like to learn more about investing, these are a few ways to go about it. by spending some time and going up the learning curve, you too can become a successful investor.