User talk:HeyHappy88

{Best|Top} Stocks to {Invest|Buy} Now for {Beginners|Newbies} in Stock Market Trading

The first step in successful stock market investing is to Understand the stock {market|exchange}. This is a very crucial step in your {investing |investment }journey. If you {start|begin} investing in the stock market {without having|with} a thorough or at least a {good|great} {understanding|comprehension} of the stock {market|exchange} itself; you may suffer losses {in|at} the beginning. These {initial|first} {losses|reductions} may discourage you lifelong from {undertaking|job} stock market investments. So, {it is|it's} highly important that you {start |begin }your journey being fully {prepared|ready}.

A stock market is basically a {marketplace|market} to buy and sell Stocks of {the|those} companies. It refers collectively to all {the|of the} stock exchanges, where the issuing and trading of stocks take place. The stock trading {can|could} be {done|performed} on the {proper|correct} exchange platform or {on|in} an over-the-counter {market|sector}. Stock market is also {referred to as|called} the equity market. The stock {market|exchange} provides a company with a mechanism to {get|acquire} capital from investors {in lieu|instead} of a partial or fractional ownership.

The stock {market|exchange} has two main {parts|components} viz. primary market and secondary market. The new issues of the stocks are sold in the primary market by the company going public. The subsequent buying and selling of the stock, after {it has|it's} been {listed|recorded} and {sold|marketed} by the company, takes place in the secondary {market|sector}.

Stock Exchanges Today:

Stock exchanges have been established in {all|most} major financial Centers and cities {across|throughout} the world such as New York, London, Hong Kong, Singapore, Tokyo, etc..

New York Stock Exchange (NYSE) and the NASDAQ {are|will be} {the two |both } Largest stock exchanges in {the United States|america}. NYSE was founded in 1792. NYSE is the biggest stock exchange in the world in terms of market capitalization.

Stock {Market|Exchange} Risks:

There are a number of {risks|dangers} associated with stock market investing. The volatility of the stock prices is {one of|among} the most {important |significant }risks associated with investing in stocks. The rise and decline in the {price|purchase price} of a stock even by {20%|20 percent} {in a|every} day, {is not|isn't} a matter of surprise.

Sometimes, {there is|There's} a widespread decline or {fall|drop} in the {Prices|Costs} of almost all {the|of the} stocks. This situation is {known|referred to} as a stock {market |exchange }crash and is very painful to the stockholders. In {case|the event} of a stock {market|exchange} crash, the investors may not find any buyers for many of the stocks they hold.

Regulators of the Stock Markets:

The governments of {various|different} countries have established Regulators to {monitor|track} the {activities|actions} of the stock exchanges with an aim to protect investors.

In {the US|America}, the Securities and Exchange Commission (SEC) is The main regulator {which|that} {monitors|tracks} the U.S. stock markets. The SEC {outlines|summarizes} that its {mission|job} is to protect investors, maintain fair, orderly, and efficient markets, and facilitate capital formation."

Stock Market Functionaries and Players:

The stock {market|exchange} has a number of functionaries and players. They are stockbrokers, traders, portfolio managers, stock analysts, and investment bankers. They have {different|distinct} roles to play but are interrelated.

Stockbrokers buy and sell securities on behalf of the investors. Portfolio managers look after and manage the {investments or stocks |stocks or investments }for their clients. Stock analysts {research|study} on the stocks and rate them for buying and selling. Investment bankers work for the {companies|businesses} {for|because of} their IPOs, mergers, and acquisitions, etc..

Best Stocks to Invest In

One of the {safer|more powerful} methods of investing in stocks is investing in mutual funds. Mutual funds invest in stocks {as well|also}, however{, |}they pool the investible funds of a {large|high} number of investors, and then invest that collective pool of funds on the {individual|respective} stocks. {If|When} there is any {loss|reduction} in one particular stock; {it is|it's} spread over a {large|high} number of investors and consequently, the {loss|reduction} to {an individual|a single} investor is {quite|very} bearable. This is simply {due to|because of} the large magnitude of the {total|overall} funds. Therein {dwells|resides} the beauty of investing in stocks through mutual funds.

The benefit of diversification, which is not available to {a |some } {Small|Little} investor in pure stock investing, becomes available to the smallest individual investor {thanks|due} to mutual funds. The mutual fund companies, also {known as|called} asset management {companies|businesses}, employ professionally qualified and experienced persons to {manage|control} the investments. Their expertise and professional approach to stock investing {serves|functions} the {small|tiny} investors very well, thus, mutual funds are an effective, efficient, and less risky way to invest in the stocks. However, mutual funds {are not|aren't} a totally risk-free way of investing. Mutual funds also include various fees and expenses. The investor {has to|must} bear them ultimately.

{Advantages|Benefits} of Mutual Funds:

· Diversification: Mutual funds have well-diversified portfolios. They have a {large|high} number of {stocks|shares} of numerous companies across many industries. This {helps|assists} them in bearing the risk {due to|because of} a sudden or {large|big} loss {caused|brought on} by a {particular|specific} stock or industry. By spreading the investments {across|throughout} the spectrum of {stocks|shares}, {companies|businesses}, or {industries|businesses}, you can protect your investments {in|at} the {times|days} of wide swings or market {fluctuations|changes}. Mutual funds are a real life application of an age-old maxim"{Don't|Do not} put all your eggs in one basket".

· Variety: The mutual funds, particularly the large and well established mutual funds, have {an enormous|a huge} {amount|quantity} of money for investing and this means {that |}they are able to invest in an array of assets and asset classes. {For|By way of} example, some mutual funds may invest in a mix of {large|big} caps and mid caps. The {large|big} caps {give|provide} stability to the portfolio; while mid caps {provide|offer} the growth potential.

· Affordability: If investors want to build a well-diversified portfolio, they will {need|require} a {huge |enormous }amount to invest. But, a small investor {can|may} also invest in a well diversified portfolio {through|via} a mutual fund by {investing|investing in} {an amount|a sum} money {that is |that's }affordable.

· Dividend: You can {get |find }some regular income through the dividend declared and distributed by the mutual fund.

· Liquidity: You {can|may} also redeem your mutual fund portfolio {at|in} the net asset value (NAV).

· Professional Expertise: Mutual funds are managed by people {with|who have} a {lot|great deal} of financial expertise and experience. This makes it {easier|much easier} for you to reap the benefits of smart investments.

{Disadvantages|Benefits} of Mutual Funds:

· {Costs|Prices}: You have to bear ultimately {all|all of} the {costs|expenses}, fees, and {charges|fees} {related to|associated with} the operations of the mutual fund or the asset management company. This {reduces|lowers} the value of your mutual fund portfolio or the net asset value (NAV) {as well as|in addition to} the returns. You {have to|must} bear these costs even if the {performance|operation} of the mutual fund is {negative |adverse }i.e. you have made losses {with|together with} the {decline|decrease} in the {total|entire} value of your mutual fund portfolio.

· Risk of Loss: You have {all|all of} the risks related to {stock|inventory} investing when you invest in a mutual fund. You may lose a part or all {of |}your money in a mutual fund investment in {case|the event} of market volatility.

· Performance: {Though|Even though} the mutual funds have a past performance and track record, it {does not|doesn't} {make sure |be certain }that the future {performance|operation} would be outstanding.

· Limited Potential: When markets are on the move with {high|higher} growth in selected stocks or {industries|businesses}, you may not gain {full|whole} profit potential of investing in {those|these} {specific|particular} stocks or industries. This is because your investments {are in|have} a diversified mutual fund.

· {Lack|Deficiency} of Guarantee: The mutual fund investments {are not|aren't} guaranteed by the government or by any other government agency {like|such as} the guarantee you have {for|to} your deposits {in|from} the bank in many {countries|nations} e.g. guarantee of Federal Deposit Insurance Corporation (FDIC) in the {US|united states}.

You can decide on whether {or not |}to invest your money in mutual Funds {after considering|following} the advantages and {disadvantage|drawback} of the mutual funds in your individual case, taking into account your investment objectives, size of portfolio, risk appetite, etc..

Best Stocks to Buy Now

There are various types of mutual funds {in which|where} you can invest. Mutual funds have three main categories viz. stock funds or equity funds, bond funds, and money market funds. Each category of the mutual funds has its own {unique|distinct} {features|attributes}, returns, and risks. Higher the {return|yield} potential, the {higher|greater} is the {risk|chance} of loss.

There are some {restrictions|limitations} imposed on the mutual fund with Respect to where and how much it can invest in {the |}different types of {assets or stocks|stocks or assets} {depending|based} on its category. {However,|But} these rules vary from country to country. In {some|a few} countries, there are rules that {require|call for} a mutual fund to invest at least 80% assets in the type of investments belonging to its {declared |announced }category. You {can|may} {have an idea|be aware} of the exact type of investments {from|in} the mutual fund prospectus.

Money Market Mutual Funds: These are funds that invest in short-term Investments or securities issued by the {government|authorities}, or top-level creditworthy corporates. They are less volatile {as compared to|when compared with} the other types of mutual funds. But, they have low {returns|yields} {also|too}. The {returns|yields} usually move in tandem with the short-term interest {rates|prices}. They offer a {good|fantastic} alternative to keeping your money in cash in a bank account, as they {offer|provide} you high liquidity and you can take out your money very quickly.

Bond Mutual Funds: These are funds That invest in the bonds issued by the government and {companies|businesses}. They have higher risks {as compared to|when compared with} {the |}money market funds, but less {risk|danger} {as compared to|in comparison with} the stock or equity {funds|capital}. {Most|The majority} of the bond funds {focus|concentrate} on higher yields. The bond fund's earnings after expenses are {known|referred to} as bond yield, which mainly depends {on|upon} bond quality and maturity.

These funds mainly face credit risk i.e. the {risk|danger} that the counterparty viz. Bond issuing {government|authorities} entity or the company may fail to pay the coupon/interest or the principal amount. The credit risk depends {on|upon} credit the quality of the bonds contained in the fund portfolio. These funds also face interest rate risk and usually, the market value of the bond {funds|capital} goes down when interest rates rise, particularly in {case|the event} of longer term-bonds. Usually, the lower the quality or the longer the maturity of bond; the {higher|greater} is the yield and risk.

Stock or Equity Mutual Funds: These funds invest in the {stocks|shares} of various companies. They have higher risks {as |}compared to money market or bond funds. They also have high volatility. But, the stock or equity mutual funds have performed {much |}better than other investments over the long term historically.

These funds mainly face the market risk The prices of stocks may fluctuate considerably. The {prices|costs} may fluctuate due to many reasons, e.g. changes in the {overall|general} economy, industry level happenings, individual company or stock level developments {related to|associated with} {sales|earnings}, input costs, management, etc..

Stock or Equity Mutual Funds is a broad {level|degree} category and include many sub-categories of mutual funds in it, such as:

· Growth Funds: focus on stocks with high growth potential.

· Income Funds: {focus|concentrate} on stocks paying regular dividends.

· Sector Funds: focus on a {particular|specific} industry or {sector|business} e.g. IT, telecom, etc..

· Index Funds: focus on a portfolio of {stocks|shares} replicating an Index to {achieve|accomplish} the {same|exact same} {return|yield}, e.g. S&amp;P 500.

· Balanced Funds: {focus |concentrate }on a portfolio with an optimum combination of both the stocks and bonds.

Buying and Selling of Mutual Funds

You may buy the {stocks|shares} of mutual funds in a number of ways. The Most {common|frequent} way is {either |}buying from the fund itself or buying {through|via} a financial {advisor|adviser}.

The {price|Purchase Price} for mutual fund stocks is usually calculated on the basis of the per stock net asset value (NAV) of the mutual fund. {Depending|Based} on a mutual fund, there may be a stockholder fee {imposed|levied} at the time of buying such as sales load. The NAV of a mutual fund is calculated at the end of the {particular|specific} business day by dividing the {total|entire} value of the holdings of the mutual fund after deduction of expenses, by the {total|entire} number of {stocks|shares} owned by the mutual fund. Buyers of mutual funds buy {at|in} the NAV calculated after they place the buying order.

The {stocks|shares} of mutual funds are redeemable i.e. the investor can sell the stocks back to the mutual fund at any point in time.

All said and done, mutual fund investing is a great and {Fantastic|Amazing} way to invest in the stocks. There are a number of mutual funds with wide-ranging {characteristics|features}, different types of portfolios, and investment philosophies. You may choose the one which best fits your {individual|unique} needs and circumstances {in terms of|concerning} return objectives, risk tolerance, liquidity needs, etc..

It will give you a good opportunity to learn about {stock |inventory } Investing if you continuously track the performance of your mutual fund portfolio and {how|the way} it moves with the {overall|total} stock markets {as well as|in addition to} with the peer group of mutual funds.

Thus, you will start recognizing a pattern of price movements {In|From} the stocks with {relation to|terms of} the {economic|financial} environment, the {performance|operation} of the {industries|businesses} and businesses, earnings, results of {companies|organizations}, etc.. After a {while|time}, when you become well versed with {all |}these stock investment {related|associated} things, you may {decide|opt} to take a {plunge in|dip into} the {wide|broad} {ocean|sea} of stock investing on your own; and come out with flying {colors|colours}.

https://tradestockalerts.com/best-stocks-to-invest-in

https://tradestockalerts.com/best-stocks-to-buy-now

== Your submission at Articles for creation: Best Stocks to Buy or Invest Part 1 Golden Rule Part 1 (May 27) ==  Your recent article submission to Articles for Creation has been reviewed! Unfortunately, it has not been accepted at this time. The reasons left by Eagleash were:

The comment the reviewer left was:

Please check the submission for any additional comments left by the reviewer. You are encouraged to edit the submission to address the issues raised and resubmit when they have been resolved.


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Eagleash (talk) 12:04, 27 May 2020 (UTC)

Your draft article, User:HeyHappy88/sandbox/Best Stocks to Buy or Invest Part 1 Golden Rule Part 1


Hello, HeyHappy88. It has been over six months since you last edited the Articles for Creation submission or Draft page you started, "sandbox/Best Stocks to Buy or Invest Part 1 Golden Rule Part 1".

In accordance with our policy that Wikipedia is not for the indefinite hosting of material deemed unsuitable for the encyclopedia mainspace, the draft has been deleted. If you plan on working on it further and you wish to retrieve it, you can request its undeletion by following the instructions at this link. An administrator will, in most cases, restore the submission so you can continue to work on it.

Thanks for your submission to Wikipedia, and happy editing. Liz Read! Talk! 20:29, 27 November 2020 (UTC)