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Diversification is choosing dissimilar investments in an effort at increasing returns and reducing overall portfolio risk. While it is tempting to put all of your eggs into one basket in the hopes of striking it rich, this action can also lead to financial ruin as employees of Enron and WorldCom experienced. Since no amateur or professional can forecast the future of the stock market, we are better off buying the entire market through a low-cost index fund. This provides instant exposure to every winner and every loser; thankfully, the gains from the winners have outpaced the losses of the failures.

The easiest way to achieve instant diversification from company risk is through a mutual fund. The S&P 500 index contains the stocks of 500 large-cap American companies. By investing through a mutual fund, you eliminate the chance that one company will wipe you out; however, is this enough?

A mistake that many investors made in the latest financial meltdown was assuming they were diversified because they held several large-cap index funds. When the market plunged, so did every fund they held. A more prudent strategy is to include asset classes with low correlations to one another.

Additional asset classes which investors may want to consider include: international funds, real estate investment trusts, bond funds, and small cap funds. An investor who put 100% of their assets into an S&P 500 fund in the year 2008 saw the value of their account plunge by nearly 50%. However, an investor who invested 50% in an S&P 500 fund and 50% in a total bond market fund experienced a roughly 25% drop in his or her portfolio. In addition, they had the opportunity to pick up shares dirt cheap by selling a portion of their bonds during the worst drop since the Great Depression.

Diversification allows investors to invest across a wide spectrum of asset classes which reduce overall risk and increase total return. The investor will experience fewer sleepless nights and less stomach acid compared to those less diversified.

Brokerage houses offer more selections at lower costs than ever before. It has never been easier to construct a well diversified and low-cost portfolio than it is today. Consider adding index funds or ETF’s focused on international markets, real estate investment trusts, or bonds. Through a well diversified portfolio, you will increase the likelihood of reaching your financial goals while reducing the chance of financial ruin.

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What are the factors that can affect your business’ success and profitability? It could be the quality of the products and services that you offer. It could be your store’s location. It could be the condition of the economy; that definitely is a big factor in your company’s ability to survive and ride out the hard times. The way you do business and treat your customers also have a huge impact in how successful your company could become. It’s word of mouth that has such a major influence and can make or break your reputation.

And speaking of treating people well, you shouldn’t forget about your own employees. It’s not sufficient for you to just focus on giving them their salaries and benefits. It is also worth your while to invest in them fully. Employee performance, satisfaction, and productivity go a long way towards improving your bottom-line performance, and you can imagine how much your work environment and your schedule will suffer if your employees aren’t productive, fail to meet deadlines, or simply have no interest whatsoever in improving their performance and in guaranteeing the success of the company.

That is why you should invest in them, making sure that they have plenty of room to grow and that opportunities are available to them. You don’t need to keep creating new positions just so employees have higher positions to aspire to. You simply have to make sure that they are given chances to exercise their skills and that they are allowed to grow and learn more. In time, you should also make sure that they are fully involved in your company, perhaps even being given an opportunity to air their opinions and feedback on the direction where you are heading, especially if they have been with the company for quite a long time.

Investing in your employees can also involve sending them out on trainings and workshops that would help them sharpen their skills. The valuable skills they will develop can certainly be good for your business. You should also make sure to send them to any conferences and seminars that are This ensures that your employees are always at the forefront of the latest developments in your field.

Bottom-line leadership is something that you really need to exhibit if you intend to keep your employees and transform them into efficient instruments for your company’s success. You can achieve this by having a very real interest in their welfare and their ability to contribute to the business.

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Buying a business franchising is not an especially new way of doing business, but it’s one that’s proven throughout the years to be particularly successful. Whether you’re the franchisor or the franchisee, business franchising has a number of plus points, and can be made into a good investment for everyone concerned, provided a few fundamentals are in place to make it a good investment.

The franchisor benefits from the franchise arrangement by being able to expand his business, often at a more rapid rate than would otherwise be possible. He also draws the financial benefits from the goodwill amounts built-in to the initial franchise investments, and potentially even from a share of the franchisees’ profits. The franchisees benefit from having a tried and tested business model, with a recognised brand or proprietary technology that will allow them to enter into business in a better position that they would have been had they started alone.

It sounds like a good investment to opt for business franchising, from both sides, but it’s important to understand what makes a franchise a good investment. First there must be real brand value, or goodwill, which the franchisee can use to boost his business. There’s no point in investing in a franchise that has never been run as a business, or has not been tried and tested to ensure it’s a working formula – otherwise, in the absence of any invention or technology, there’s no reason to invest in buying a franchise over starting your own business.

As a franchisee, you should also want to look further into the franchise deal to see exactly what you’re getting for your money. Could you be in the same market position as your franchise if you invested the start-up capital on your own? If the answer is yes, there’s no commercial reason for you to enter a franchise agreement, and you should simply invest the money on your own behalf. If not, you might have found a valuable franchise opportunity.

For the franchisor to realise a return on his investment through the business franchising model, he must make sure that he prices the goodwill of the franchise competitively to give him the best deal while making sure franchisees get true value for money. They should also make sure that the benefits of their business model are spelled out over those of starting a similar, competing business from scratch. That way, they can promote the unique value proposition of their own business opportunity, to ensure the growth you both desire.

Franchising a business can be a great way of achieving growth, or of building your own business with less of the risk involved. Look at some of the major franchise success stories: McDonalds, Starbucks – so we know it works. Provided the groundwork is put in place, franchising can be an excellent choice for parties on both sides of the table, and provided it’s worth the money to the franchisee, it should help provide a winning formula for business start-up and financial success.

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Traditionally, if you wanted the best money market rates, you only had the limited options of your local bank or a few national banks. Today, with online banking and shopping comparison sites, you can find money rates from a host of banks across the nation. Because of this fierce competition, banks are trying harder than ever to earn your business. Here’s how to use this knowledge to your advantage to get the best money rates.

How Money Market Rates are Determined

Money market accounts are essentially turbo-charged savings accounts. You earn approximately the same interest rate, and you can write a limited number of checks from them. While returns for money accounts aren’t as high as with certificates of deposit (CDs), it is a trade-off of convenience. With CDs, your money is saved with the bank for a limited period of time, with a penalty for early withdrawal. This lowers the bank’s risk when lending money. With market accounts, you have the freedom and flexibility to withdraw money whenever you need to, so the bank gives you less interest accordingly.

Going Beyond the Best Rate

While the highest return rate is enticing, you should also look at the stability of the bank itself. Is the money account FDIC insured? How many checks can you write during a month? What’s the minimum deposit amount? Like with CDs, the more you’re willing to invest, the higher your rate will go. The best market rates are available to those who invest $100,000 or more in a money market account.

Money Market Account or CD?

Because they’re so similar, people often ask if their money would be better invested in a market account or a CD. If you don’t need access to your funds for a set amount of time, a CD will pay a higher rate. If, however, you need the flexibility of writing checks, instant access to the funds you deposit, and the competitive interest rate of a savings account, a market account is a better choice. Overall, a market account is a safe, low-risk way to invest your funds while giving you the freedom to access your money when you need it.
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