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10 Mistakes Every Investor Makes & How to Avoid Them 1

10 Mistakes Every Investor Makes


& How to Avoid Them
A Millionaire Money Habits Special Report
Ryan Taylor
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10 Mistakes Every Investor Makes & How to Avoid Them 2
Table of Contents
(ntroduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page )
*+ ,laying -ithout Rules . . . . . . . . . . . . . . . . . . . page &
*% (gnoring Taxes . ees . . . . . . . . . . . . . . . . . . . page /
*) 0onfusing (n#esting -ith Trading . . . . . . . . . . . page +'
*1 2etting Media (nfluence 3ecisions . . . . . . . . . . . page +%
*& Taking Too Much Risk . . . . . . . . . . . . . . . . . . . . page +1
*4 ailing to Read5ust ,ortfolio . . . . . . . . . . . . . . . . page +&
*/ 3enying 3efeat . . . . . . . . . . . . . . . . . . . . . . . . . . page +/
*6 (mproperly 7aluing (n#estments . . . . . . . . . . . . . page +6
*8 Acting on Stock Tips . . . . . . . . . . . . . . . . . . . . . . page +8
*+' Timing the Market . . . . . . . . . . . . . . . . . . . . . . . page %+
0onclusion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page %%
About the Author . . . . . . . . . . . . . . . . . . . . . . . . . . . page %)
3isclaimer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page %)
Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . page %1
3istribution Rights . . . . . . . . . . . . . . . . . . . . . . . . . . page %1
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10 Mistakes Every Investor Makes & How to Avoid Them 3
Introduction
Throughout my years of in#esting ( ha#e had the opportunity to be a
part of many different experiences 9 some good and some bad. -hat
( ha#e learned by being trained and working with in#estors in all
different markets is that the discipline to follow the fundamental rules
to in#esting can make or break someone:s bank account. Sadly! (:#e
seen a lot of great in#estors go from multi;millionaires to dead broke
in a matter of minutes because they became foolish.
-hether ( ha#e seen a stock trader or someone who works in the
options and futures pits! ( ha#e found that when they lose their shirt it
is because they didn:t stick to the basics.
-hile e#en amateur in#estors know these basic rules to in#esting! it
is much easier said than done. Maybe this is because most in#estors
ha#e a competiti#e edge! and we think we can out;perform or
outsmart the next guy. <ut the bottom line is it is pretty tough to
outsmart the market.
(n#esting is a =ero sum game. or e#ery winner there is a loser!
which is what keeps the market efficient. >nowing this! it is possible
to de#elop an edge in order to win more than you lose. This is why
some of the best trading systems make people so much money.
These systems ha#e found a way to analy=e trading opportunities
and automate the process so you can get in and out of trades ?uickly
and profitably.
Howe#er! many in#estors and professional traders still manage to
end up in the red. These in#estors are unsuccessful because they let
emotions get in the way! are too stubborn to be successful! or they
think they know something other people don:t. They can literally ha#e
their trading system screaming at them to get in or out of a trade! and
yet they ignore all the signs.
-hat these losers fail to reali=e is that the market is irrational
because it is dri#en by emotion and institutional houses throwing
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10 Mistakes Every Investor Makes & How to Avoid Them 4
their weight around. or that reason! it is nearly impossible to predict
short;term directions and win e#ery time.
(f you a#oid the common mistakes that e#ery in#estor makes! you
can de#elop an edge and build an unlimited amount of wealth.
@othing in this report should come as a surprise. These are basic
in#esting mistakes that e#ery in#estor should a#oid. <ut for those
who like to make money! sticking to the basics may not be an easy
task. (t in#ol#es lea#ing your ego behind! some planning and sticking
to the rules or trading system you ha#e in place.
2et:s get to it then . . .
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10 Mistakes Every Investor Makes & How to Avoid Them 5
Mistake 1 ! "layin# $ithout %ules
@o matter what you in#est in you must create and stick to personal
in#esting rules. (t doesn:t matter if you in#est in real estate! currency!
stocks or options! before you begin you must create strict strategic
rules that you will hold yourself accountable to.
Here is an example of the rules a real estate in#estor may ha#eA
( personally look at +' foreclosure properties a week.
( only in#est in foreclosures that ( can obtain at )'B or more below market
#alue.
( only buy properties that potentially ha#e great curb appeal that will help
sell the property fast.
( do not buy properties that may generate less than $%'!''' in returns.
( do not buy fixer;uppers that re?uire more than $+'!''' in repairs and
upgrades.
( only in#est in properties that need cosmetic and minor repairs. ( will not
consider properties that ha#e problems with the foundation! termites or
mold.
( do not use more than %'B of my in#esting capital in a single in#estment
property.
Holding onto my cash is okay if it means waiting to find the right
opportunity.
( put my properties back on the market +& days before they are back in
show condition.
After 4' days of no serious offers! ( lower the price )B and offer
incenti#es! such as a free plasma screen or no closing costs.
After 8' days of not selling the property! ( list the property as a Crent to
own.D
(n the e#ent 4 months go by without selling the property! ( will sell the
property to another in#estor at break e#en in order to wash my hands and
walk away safely.
At least &'B of my profits are re;in#ested into ac?uiring more properties.
The rest is for me to ha#e fun with.
The rules abo#e pro#ide a checklist for the in#estor when considering
opportunities. <y creating strict criteria! it places limitations on the
in#estor and takes the emotion out of the decision. There could be
multiple properties that the in#estor finds that he knows will create
great returns if he does $+&!''' in repairs! or cleans up a small mold
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10 Mistakes Every Investor Makes & How to Avoid Them 6
problem! but it simply does not fit into his rules for in#esting.
Therefore! he would pass on such an opportunity.
Secondly! these rules pro#ide a clear exit strategy with deadlines.
The in#estor knows going in that he can potentially make $%'!'''!
but more importantly he also knows the potential that he can lose by
not selling the property in a certain amount of time. <y ha#ing a
backup plan! and a backup plan for that plan! the in#estor minimi=es
the downside and eliminates the need to make an important decision
that is influenced by emotion or hope.
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Mistake & ! I#norin# Ta'es and (ees
(n#estors often get excited about the potential income an in#estment
can make and forget to consider fees and tax implications that can
diminish their profits.
-hen trading stocks! for example! a single stock purchase can cost
you $+' or more! e#en with a low;cost! online brokerage account. (f
you are buying +' shares of a $+' stock! that #alue of the stock will
ha#e to increase +'B before you can break e#en.
Add capital gains tax you now owe on the appreciation of this asset!
and you ha#e actually lost money on your prudent stock purchase.
How much you are paying in taxes depends on the type of
in#estment and how long you hold the asset. <elow is a break down
of common in#estment tax rates! but #isit moneychimp.com for a
capital gains tax calculator!
Ty)e of Ca)ital Asset Holdin# "eriod Ta' %ate
Short;term capital gains
EST0FG
Hne year or less Hrdinary income tax
rates up to )&B
2ong;term capital gains
E2T0FG
More than one year *+ for taxpayers in
the +'B and +&B tax
brackets
1*+ for taxpayers in
the %&B! %6B! ))B!
and )&B tax brackets
Real "state Main Home Hne year or less ST0F
More than one year 2T0F taxed at &B or
+&B after any
exclusion amount
Iou:re not out of the woods yet in escaping fees. (f you in#est in a
mutual fund! you are paying additional fees. Typically you pay a small
management fee and you may e#en be paying an extra load fee to
your financial planner. The load fee is simply an extra charge that
goes to pay your financial planner a commission. These fees take
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10 Mistakes Every Investor Makes & How to Avoid Them
&B or more of your in#estment capital right off the top. (f it is an
upfront load fee! you pay this charge before your money is e#en
in#ested.
Secondly! if you buy mutual funds at the wrong time! you can get
nailed with paying a taxable di#idend that you didn:t actually recei#e.
According to SmartMoneyA
(tJs always dangerous to buy mutual funds at the end of the
year! since you may be buying right into a big taxable di#idend.
(f you are purchasing shares of a fund in the fall! check the
distribution date and wait until it passes before writing your
check.
,o how do you esca)e all of these fees and make money on
your investments-
Thanks to Kecco.com! in#estors can now buy
commission;free stocks and a#oid trading
fees all together. They offer +' free stock
trades per month! and only $1.&' after your
+' free trades. Kecco makes their money with
ad#ertising and margin spreads! so you can
now in#est for free.
To a#oid capital gains! you ha#e a few options. The most ob#ious
would be to in#est in a tax sheltered retirement account! such as an
(RA or 1'+k. These programs offer exceptional tax benefits that can:t
be beat.
A stock in#estor can also offset their capital gains by selling losing
stocks during the same year that they li?uidate their winning stocks.
0onsult with a certified financial planner when considering this or any
of these options.
(f you are a real estate in#estor! you can roll your profits into a +')+!
tax deferred exchange. This allows you to roll your profits from the
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10 Mistakes Every Investor Makes & How to Avoid Them !
sale of one in#estment property into a new ac?uisition. (n doing so!
you a#oid paying taxes on the sale of your property.
To escape the commission fees that you are paying your broker or
financial planner for buying a mutual fund! 5ust don:t pay them. Lust
about any mutual fund that has a load fee has an e?ui#alent lower
cost! no;load option. According to The Motley oolA
The only thing that you really need to know and remember about mutual
fund loads is that you donJt e#er ha#e to pay any. "#erything that a broker
could e#er find for you in a load fund! you can find for yourself! and find
much better.
7isit Morningstar.com to research your low cost mutual fund options.
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10 Mistakes Every Investor Makes & How to Avoid Them 10
Mistake . ! Confusin# Investin# with Tradin#
,eople who are not in#estors often think in#estors are the high;
strung! fast;paced people in the @ew Iork Stock "xchange pits! or
those that stare at stock charts all day long to catch a ?uick profit.
These people are not in#estors. They are day traders who play
markets for a li#ing.
(n#estors #iew stock trading beha#ior as the same as gambling.
Traders may not e#en care about the company they are buying! they
5ust hope to accurately predict the direction of a mo#ement in order to
make a ?uick profit. They mo#e in and out of positions ?uickly and try
to make money off the short term ups and downs the market takes.
Hften they use margin balances! or borrowed money! in order to
le#erage their positions and make money on each up or down tick of
the market. -ith this strategy! it doesn:t take much mo#ement in the
market to make money! but it also doesn:t take much to lose it all.
(n#estors are much different. They are
interested in the certainty the stock
market returns as a means to produce
wealth! as opposed to the possible
income it can produce. or that reason
they are less concerned with the day;to;
day acti#ity in the market and are not
depending on how the day goes in order
to produce immediate income. They know that o#er time the stock
market has historically trended up and they take ad#antage of the
slow and steady profits the market will return. -ith those profits! they
rein#est their earnings in order to take ad#antage of compound
interest and accelerate their net worth.
(n#estors also think differently about the assets they are purchasing.
A stock trader is simply trying to buy something cheap and flip it for
more money in a matter of days or e#en minutes. An in#estor knows
that the market is too complicated and does not act rationally in the
short;term! and is too difficult to predict. <ut they do know that great
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10 Mistakes Every Investor Makes & How to Avoid Them 11
companies pro#ide great shareholder #alue! so when an in#estor
buys stock they feel they are buying a company. They #iew their
purchase as owning a piece of the business.
(n#estors are buying something they belie#e has strong leadership! a
great business plan and a competiti#e edge that will continue to
increase corporate earnings for years to come. These companies! in
turn! will pro#ide shareholders with a profit by returning di#idends and
an increase in company #alue! both which will contribute to
increasing an in#estor:s net worth.
<ut it:s easy e#en for an in#estor to get
caught up in the hype of a hot stock or
?uick profit now and again and start to
act like a stock trader. (n#estors ha#e to
remind themsel#es what their ultimate
goals are and refer back to their
in#esting rules.
As an in#estor! the most important thing is to protect oneself from
losses. -hen they start to act like a trader to make a ?uick buck!
in#estors put themsel#es at too high a risk of losing money. Lust
think! if you lose &'B in a trade! it will re?uire a +''B profit in
another 5ust to break e#en. These percentages should be too much
risk for an in#estor! who is generally careful to protect hisMher
downside. Hne temptation to ignore their in#esting rules and act like
a trader can greatly impact their o#erall in#estment returns.
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Mistake / ! 0ettin# the Media Influence 1ecisions
The stock market is partially dri#en by emotion. Many in#estors would
say in the short;term the market is entirely dri#en by in#estor
psychology. ,eople hear a stock tip about an upcoming earnings
report! and they race to get in before e#eryone else does. An
earnings report disappoints -all Street and the stock drops +'B in
after;hours trading! which keeps in#estors up all night in a panic and
they immediately sell first thing in the morning.
-hile psychology ends up being the primary dri#er for decisions for
indi#idual in#estors! the assets you buy should not be an emotional
decision. This is why it is imperati#e for in#estors to create a strategy
with specific rules that they can stick to.
Howe#er! the media lo#es to dri#e this emotion. There are tele#ision
stations dedicated to the up;to;the;minute mo#ements in the market!
rumors and other current e#ents. This co#erage keeps #iewers glued
to the tele#ision! which dri#es ad#ertising re#enue.
@otice! though! the pundits that report financial news are not always
professional in#estors. urthermore! you ne#er get straight answers.
The media will inter#iew multiple experts about current economic
conditions and how to play the stock market! and e#ery CexpertD will
contradict the pre#ious expert:s recommendation. As a result!
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10 Mistakes Every Investor Makes & How to Avoid Them 13
#iewers o#er think and begin to worry about the worst case scenario
and frantically check their portfolio to watch their positions mo#e tick
by tick.
The market and the future is unpredictable! so all the media is doing
is creating panic or excitement that dri#es the short;term mo#ements.
(ronically! the short;term mo#ements in the market ha#e #ery little or
no rele#ance to long term in#esting. The only thing that matters to
in#estors is that o#er time the stock market increases in #alue.
The media may pro#ide rele#ant information to the short;term day
trader who is trying to capitali=e on in#estor psychology! but for the
most part #ery little should cause a long term in#estor to act today.
Therefore! to a#oid letting the news influence your in#esting decision!
ignore media influence as much as possible! remind yourself why you
purchased the e?uity in the first place and ask if those same reasons
still exist.
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10 Mistakes Every Investor Makes & How to Avoid Them 14
Mistake * ! Takin# Too Much %isk
2osing money is the only thing keeping in#estors from creating
wealth. Sounds ob#ious! but many in#estors don:t pay attention to
this mistake. As -arren <uffet so elo?uently put! CThe first rule of
in#esting is don:t lose money. The second rule is don:t forget rule
number one.D
-hen you lose money! it takes twice as much money 5ust to get back
to break e#en. or example! if an e?uity loses &'B in #alue it will
re?uire a +''B increase 5ust to get back to break e#en.
-hen you take substantial risks! it:s not unusual for your asset to
decrease &'B in #alue! but gaining +''B is far more unusual. -hile
the di#idends and earnings from your winning stocks can be
rein#ested in order to take ad#antage of compound interest! your
losers also compound and ?uickly eat away any gains you achie#e in
other in#estments.
@o one is immune to losing money! but when in#estors put
themsel#es in too much danger of losing money! those losses
compound. <ut all in#estors seek to make money! which is why they
take some risk. (n order to accumulate great wealth! it is necessary
to protect the downside by in#esting in what appears to be as close
to a sure thing as possible.
<ottom line! (n#estors should stick to their rules and not stray from
their in#estment strategy.
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Mistake 2 ! (ailin# to %ead3ust "ortfolio
There is a good reason why financial ad#isors stress ha#ing a
balanced! di#ersified portfolio 9 because you will always ha#e losers.
<y being ade?uately di#ersified in the proper asset classes! you
balance your risk and reward by distributing your funds in a way that
are in line with your financial goals.
3epending on your age! risk tolerance and in#estment hori=on! there
are recommendations on how you should di##y up your capital.
According to <ankrate.com! the following is what a typical asset
allocation may look like based on your ageA
Investment allocation by a#e
Age %';)8 1';&8 4';48 /';/8 6'N
<onds 'B %'B 1'B /'B 6'B
Frowth .
income funds
&&B 1&B )&B %'B +'B
Mid;cap funds +&B +&B +'B 'B 'B
Small;cap
funds
+&B +'B &B &B &B
(nternational
funds
+&B +'B +'B &B &B
As some asset classes will earn more than others! o#er time your
portfolio will become unbalanced and re?uire you to make
ad5ustments to get back on track.
2ikewise! if your in#esting rules are to ha#e $+!''' in shares spread
across & stocks! your portfolio will also re?uire some maintenance.
As a result of some stocks increasing in #alue and others
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10 Mistakes Every Investor Makes & How to Avoid Them 16
decreasing! you may need to sell where you experience gains in
order to buy more shares that are experiencing loses and are still
great stocks to own.
These steps are often ignored! but should be a #ital part to your
in#esting strategy in order to maintain a balanced! protected portfolio.
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10 Mistakes Every Investor Makes & How to Avoid Them 17
Mistake 4 ! 1enyin# 1efeat
-hen an in#estment doesn:t go the way it was intended to! in#estors
often make a big mistake of holding on to their losers in hopes that
they will rebound. This should not be the case! as the in#estor:s rules
should ha#e a clear exit strategy for both winning and losing
positions.
@obody wins all of the time! and admitting that you were wrong can
be a tough thing to do. (f an in#estment goes south! it:s important to
ask why and re;e#aluate the position by askingA
-as something o#erlooked and you inaccurately #alued the
stockO
3id something change fundamentally! such as a change in
management! decrease in sales because of a new competitor!
or a change in lawsO
(s this 5ust a short;term reaction that pro#ides an e#en greater
opportunityO
How you decide when enough is enough is
up to you. There is no perfect answer as to
when to sell a losing stock. Some financial
planners recommend a loss of +'B in
#alue! others use a dollar amount or a
percentage of total capital. (f you use
technical trading system! you will ha#e
certain indicators that alarm you to sell your
position! such as when the stock falls
below a )' day mo#ing a#erage.
(f you decide that this is no longer something that you would like to
in#est in! cut your loses. Iou:re better off taking the funds you are
able to reco#er and in#esting back into an e?uity that will make you
money rather than watching it continue to fall in #alue. 3on:t let your
ego get in the way of your in#esting decisions.
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10 Mistakes Every Investor Makes & How to Avoid Them 1
Mistake 5 ! Im)ro)erly 6aluin# Investments
Lust because a market takes a sudden dip doesn:t mean the
in#estment is all of a sudden a bargain buy. This goes for both real
estate and e?uities markets.
Stocks! for example! ha#e been on a bull run since %''%! but at the
end of %''/ and the start of %''6 a great deal of #olatility occurred.
Technology stocks! among others! took a beating. -hile technology
stocks ha#e significantly decreased at the time this special report
was published! they are cheap relati#e to where they were a year
ago. This does not necessarily make them a no;risk in#estment.
0heap stocks can always get cheaper. There is still plenty of room
for these stocks to fall in order to be rationally #alued.
Lust remember that because there is some instability in the market!
that doesn:t mean it ser#es as an immediate buying opportunity for
cheap stocks. (t would! howe#er! be worth determining a suitable
entry point and keeping a close eye on! but don:t 5ump in 5ust
because prices are down from yesterday:s highs.
Secondly! past performance should not be an indicator of future
performance when picking stocks or mutual funds. -hile a history of
pro#iding shareholders with great returns is an important factor when
selecting e?uities! it by no means guarantees future results.
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Mistake 7 ! Actin# on ,tock Ti)s
Think about thisA A friend has a tip from another friend who works for
a company that is about to report a #ery strong earnings report. He
urges you to 5ump on the stock in order to make a pile of money on a
Csure thing.D
The recommendation sounds tempting. Iou toss
and turn all night as you think about how much
money you can make if your friend is right. (n the
morning you decide instead of 5ust buying the
stock! you:ll buy +'' call options and make +'
times the amount of money you would with a
stock.
Hb#iously this decision has a few problems. or one! it constitutes
insider trading! which is illegal. Secondly! it #iolates any rules of
protecting your downside by not doing your own research first and
determining if this is a company worth owning.
Maybe most importantly! what does your friend know about
in#estingO (s he ?ualified to be gi#ing you expert financial in#esting
ad#iceO -hy are you trusting your money on a tipO
A#oid listening to the wrong people who are not ?ualified to be gi#ing
you ad#ice! do your own due diligence! and stick to your rules. (f
professional in#estors cannot accurately predict the direction of the
market! chances are your friend is not capable of gi#ing you ad#ice.
Similarly! 5ust because an analyst suggests that a stock is o#er#alued
during a tele#ision inter#iew! this is not a good enough reason to run
out and sell the stock. As stated in Morningstar.comA
Any stock you read about in a newspaper! hear about on 0@<0! or learn
about in a column like this one deser#es further in#estigation before
committing your own money. -hyO irst of all! it:s your money! and
second! how are you going to know when to sellO Iou certainly can:t rely
on that smart pundit to reappear in your fa#orite financial maga=ine and
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10 Mistakes Every Investor Makes & How to Avoid Them 20
tell you itJs time to get out. Iou ha#e to know the company well enough to
make that decision for yourself.
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10 Mistakes Every Investor Makes & How to Avoid Them 21
Mistake 10 ! Timin# the Market
<ecause the stock market is a result of company earnings and
forecasts! in#estor psychology! and the institutional house:s ability to
mo#e markets in a particular direction with enormous positions! the
stock market cannot be predicted accurately. Iou may be lucky and
make an accurate prediction once in a while! but you can also hit
black 5ack at any table in 2as 7egas.
Trying to time the market is a loser:s game! and for the long term
in#estor it should be an irrele#ant concept. As an in#estor your focus
should be to regularly in#est in a well di#ersified portfolio. <y
regularly in#esting you take ad#antage of the market fluctuations by
buying more shares when the market goes down! and being a part of
the winning crowd when it re#erses. This is known as! Cdollar cost
a#eraging.D
Market timing does not ha#e a place in the wealth e?uation. The only
thing worth timing is to be in the stock market! because o#er time
history pro#es that it will only go up. That:s the only way to outsmart
the market.
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Money Matters for All Ages.
10 Mistakes Every Investor Makes & How to Avoid Them 22
Conclusion
-ouldn:t it be awful to see the hard earned money that you put to
work in order to make more money go to wasteO -hat if you lost your
money because you foolishly ignored some of the basic principles of
in#estingO That might be a heck of a disappointing experience.
This happens all of the time! and not 5ust with amateur in#estors. The
in#esting mistakes listed in this report are common among seasoned
professional in#estors and amateurs. The money managers that you
seek ad#ice from and trust with your money are also making these
mistakes. Pnfortunately in those cases it is with your money! not
theirs.
2earn to a#oid these mistakes and firmly stick to your in#esting
strategy! and you will produce respectable returns on your
in#estment. Regularly fall for these mistakes during your in#estment
careers! and you will put your retirement account and lifetime sa#ings
at great risk.
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subscribe to In the Money newsletter and recei#e a free copy of
Money Matters for All Ages 9 a complete guide to in#esting from birth
to retirement.
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Money Matters for All Ages.
10 Mistakes Every Investor Makes & How to Avoid Them 23
About the Author
Ryan Taylor runs Millionaire Money Habits! a personal finance
website that discusses building wealth and retiring rich by de#eloping
the habits of self;made millionaires.
Ryan is also the founder of The -ealth Fang! an army of highly
successful internet entrepreneurs. Readers of this special report can
5oin T-F free and recei#e )';days of personali=ed! high intensity
training on how to build an automated online business. 0reate the
ultimate wealth producing business by 5oining The -ealth Fang nowQ
1isclaimer
@othing in this document constitutes financial ad#ice! but rather
general information and the personal opinion of the author. ,lease do
your own research and consult with a certified financial planner
before embarking on any in#estment endea#ors.
If you enjoy this special report, subscribe to In the Money and receive your free copy of
Money Matters for All Ages.
10 Mistakes Every Investor Makes & How to Avoid Them 24
%esources
Kecco ; 0ommission;free stock trades
3oubling Stocks 9 Automates stock trading system
orex >iller 9 Automated analytical forex software
,ower Hption Strategy 9 Hptions system with 6%B success rate
oreclosure Secrets 9 Real estate in#esting course
Morningstar.com 9 (n#estment research
Smart Money 9 ,ersonal finance news and tools
<ankrate.com 9 Rates! ?uotes and calculators
The Motley ool 9 Stock in#esting ad#ice
Moneychimp.com 9 (n#esting education
1istribution %i#hts
This document may be distributed freely as long as the all hyperlinks and text
remain unaltered and the report is offered for free of charge. This report is a
Millionaire Money Habits production and is protected by copyright law.
R %''/ i;endea#ors.com
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