Investing

2013 Investment Pointers

2013 Investment PointersSince 2008, investing is something that a lot of people don’t feel comfortable doing. There is a great deal of uncertainty in the markets, although they do appear to be doing better lately. When it comes to choosing investment strategies to work with for your portfolio, you may have to get a little bit creative and explore your alternatives. Here are some of the best 2013 investment pointers to keep in mind for the coming year.

Explore Precious Metals

One of the best things that you can do in today’s investment world is explore precious metals. Precious metals like gold, silver, and palladium have increased in value substantially in the last decade. Many believe that they are poised to continue to increase in value over the long-term. While the short-term price of precious metals may decrease, the long-term looks good. As governments and central banks continue to engage in quantitative easing, the price of gold and silver will continue to rise.

Look at Emerging Markets

In 2013, you may want to take a strong look at emerging markets. While investing in strong companies in proven economies does provide a little bit more safety, it also tends to limit the amount of returns that you can really achieve. By putting money into emerging markets, you have a much better chance to bring in substantial gains. For instance, putting money into emerging market bonds, you have an opportunity to earn 5-7 percent interest. When you compare that to the 1 percent or less that you can get from Treasury bonds or corporate bonds in the United States, you really have a golden opportunity in front of you.

Use a Roth IRA

If you haven’t started using one already, it makes sense to start investing in a Roth IRA. Fisher Investments Forbes articles point to the Roth IRA being one of the best investment tools available. With so much uncertainty in the political realm, it’s really impossible to predict what will happen with tax rates by the time you retire. It makes sense to go ahead and handle the tax rates while they are probably as low as they’re going to get. Then when the country decides to take care of its debts, the tax rate will inevitably be increased. If you have a Roth IRA, you won’t have to worry about that during your retirement.

Regardless of what you do during 2013, don’t just sit on the sidelines. If you’re going to beat inflation, you have to get into the ballgame.

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Grayson Bell

Grayson Bell

I'm an average guy who used credit cards too much and found myself in over $50,000 in debt. I paid it off, started this blog, and my financial life has changed. I know talk about fighting debt and growing wealth here. I run a Wordpress management company, along with three other blogs. They are Sprout Wealth, Eyes on the Dollar, and Empowered Shopper.

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7 Comments

  1. February 22, 2013 at 7:55 pm — Reply

    Funny thing is that if you are a contrarian you should have started investing heavier after 2008! I took my licks and kept in the game and I am glad I did as I have been well rewarded for it! Still not rewarded enough to declare financial independence though.

  2. February 23, 2013 at 12:42 pm — Reply

    All good tips. Investing in anything that isn’t dollar-denominated and has intrinsic value is a good idea right now. Real assets will be the biggest benefactor of extremely accommodating monetary policy.

  3. February 27, 2013 at 9:23 pm — Reply

    Great pointers! I’m kicking myself for not getting into precious metals earlier. Shoulda, woulda, coulda. Hard to jump in after the run up they’ve had. But I do see your logic. Need to explore emerging markets because 1% doesn’t seem to cut it. You are absolutely right, need to get in the game!

    • February 27, 2013 at 11:02 pm — Reply

      The game is going and we just need to substitute in. Time to suit up!

  4. March 6, 2013 at 2:46 am — Reply

    Good investment Pointers! I have invested in dividend stocks and got more profit compare to last year but did not think about to invest in emerging markets. Even the points suggested by you here in favor of emerging markets are effective and may be helpful for new investors. I am also planning to invest some share of my total investment in dividend stocks. Thanks to share useful tips with us.

  5. April 24, 2013 at 9:01 am — Reply

    Emerging markets are also known as developing markets. It is tend to be countries whose economies are experiencing rapid economic and household income growth and industrialization.

  6. May 10, 2013 at 9:06 am — Reply

    Investment Pointers you shared here are good to read and apply. However i find both gold and silver to be good to add in your investment portfolio according to favorable current market trends for the same.

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