Empowered Investor

Click Chapter Headings for Easy Navigation

Investing on the Internet	Financial Calculators
Risk and Yield	Diversification and Asset Allocation
State of the Economy	Mutual Funds
Sector Investing	Growth Investing

WELCOME!!

Why do you want to be an empowered investor?

If you think that your broker has your interest in mind, you are wrong. Consider this list of Wall Street Brokerages that have been penalized by the Securities and Exchange Commission for Conflict of Interest.

Citigroup: fined $500 million
Credit Suisse First Boston: fined $250 million
Bear Stearns: fined $75 million
Goldman Sachs: fined $75 million
Lehman Bros.: fined $75 million
UBS Warburg: fined $75 million
J.P. Morgan: fined $50 million
Morgan Stanley: fined $50 million
Thomas Weisel Partners: fined $50 million

Accumulation of wealth is not a fanciful step toward a life of luxury and pomp, but an essential step toward financial strength. Each family or individual needs this strength to finance the purchasing of a home, children's education, comfortable retirement, catastrophic medical expenses, etc.

Gaining the financial strength may require participation in the market and employment of various instruments of investing. However, to many, the market is driven erratically by unknown forces and the functioning of the instruments of investing is shrouded in obscure terminology and vague acronyms. As a result, some stay out of the market, some endow blind faith on expensive financial planners, and some chase "hot tips".

The purpose of this site is education. The contents cover the frequently-ignored, basic principles of investing. Educate yourself and become an Empowered Investor. This is an independent site; any particular investment is neither pushed nor hyped. The site does not get any monetary benefit, brokerage fee, or agent's fee from your investment decisions.

What will you learn?

Links to important investment information on the Internet: Investing on the Internet
The fundamentals of gauging the state of the economy: State of the Economy
Risk and its effect on the accumulation of wealth: Risk and Yield
Why asset allocation is important? Learn how to operate on the "efficient frontier for minimized risk": Diversification and Asset Allocation
How to select mutual funds and build a need-based fund portfolio: Mutual Funds
A quick and efficient system for sector investing: Sector Investing
Basics of fundamental and technical analysis, valuation of stocks and a system for investing in growth stocks: Growth Investing
How much do you need for retirement and how to plan for retirement: Financial Calculators

The site will be continually evolving to accommodate readers' needs. Don't hesitate to send E-Mail with comments.