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Contents

Top 5 Reasons Why I Invest Microsoft Stocks

Last Updated January 24, 2020 By Fehl Dungo 10 Comments

Here are the top 5 reasons why I invest Microsoft stocks and why you should, too. Microsoft (MSFT) is one of the stocks I’m building in my portfolio right now.

Founded by Bill Gates, who’s making around $78K per minute, Microsoft is among the most valuable public companies in the United States and the world.

While Bill Gates is not the largest stockholder of Microsoft anymore, MSFT is still among the leading stocks reaching $1 trillion market value in 2020. The tech giant is one of my favorite stocks to invest right now. I am sharing in this post the reasons why.

I’m investing and trading international stocks on eToro. In addition, I’m also open in trading indices, ETF, commodities, and currencies. You can check out my portfolio @tradecatalog and see how I allocate my money right now.

Just a reminder, investing and trading have risk. Always remember to invest and trade only what you are comfortable to lose. You can make lots of money with investing as long as you know your objective and your strategy. You can lose money if you trade without an effective strategy or if you do it with your emotion.

Top 5 Reasons Why I Invest Microsoft Stocks:

  • Robust Fundamentals
  • Big Potential
  • Recurring Profit
  • Global Target Market
  • Long Term Growth

Robust Fundamentals

Microsoft’s stock rose up at almost 30% in 2020 with impressive earnings. The company has strong balance sheet and attractive valuations. No wonder why MSFT is among the top stock picks in the S&P500, NASDAQ 100 and Dow Jones right now.

MSFT investors also enjoy dividends regularly. I am looking forward for a continuous growth of this high-profile company in the years to come.

Big Potential

If you had invested 100 shares of Microsoft stock in April 2009, its value after ten years would have given you almost 700% total return in profit.

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Microsoft has transformed from the PC-era software company into one of the world’s leader in cloud computing and AI. I’m liking how MSFT has grown into what it is today. See the amazing chart below.

this is how your money will grow if you invest Microsoft stocks for long term

Recurring Profit

It’s 2020, are you still using Microsoft Word? What about Excel? I’m using their software everyday as I subscribed with their cloud-based Office 365. Microsoft also owns Skype, Linkedin, Xbox, Bing, Azure, MSN, GitHub, Nokia’s Mobile Business, Minecraft and many more. MSFT creates continuous cash flow earnings from its subscription-based business.

Global Target Market

Microsoft’s target market is not only the US but the whole world. MSFT’s goal is to gain additional business deals to its cloud-computing services and produce recurring income from its subscription-based industries worldwide.

Long Term Growth

As technology evolves, Microsoft continues to be one of the most stable tech companies in the world. Serving a global audience with the most advanced cloud computing and Artificial Intelligence infrastructure, it always paves the way to innovate new tech products and services to the future.

Microsoft constantly acquires new companies with excellent potential. Just recently, it acquired PromoteIQ, a New York-based company that helps major brands and sellers diversify their ecommerce offerings.

Microsoft Stocks Investing Strategy

For many investors, MSFT is one of the best stocks to invest and hold on forever. As for me, it is attractive to buy and hold Microsoft stocks right now in spite of the US and China trade war. Many Wall Street analysts and fund managers are in a “Buy” mode for MSFT while valuation is fair.

My strategy with MSFT is to buy and hold it for a few years. I have some buy positions already since I started trading on eToro just recently. I have some tech stocks like Apple, Amazon, and Google aside from MSFT. Tech stocks are volatile but yeah, the market is always volatile.

I use X1 leverage for most of stocks to avoid some charges. Moreover, I use zero stop loss because I always believe the price will go in my favor. They always do go up. ��

Want to invest excellent stocks?

Invest on eToro now! It’s free to open an account. You can also connect with me there. My username is @tradecatalog. Better yet COPY me if you want the same goal like mine.

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About Fehl Dungo

Founder of DailyPik, trusted fund manager and investor. This site shares tips, guides, and strategies about making money in the stock market. Everything is my personal opinion and should not be considered as advice. I have no business relationship with any stock mentioned. COPY my Portfolio on eToro Connect with me on Facebook and Instagram

5 reasons to rethink your retirement strategy in 2020

Just when you thought you understood all that retirement savings mumbo jumbo, along comes something called the SECURE Act.

SECURE is short for Setting Every Community Up for Retirement Enhancement. That’s a mouthful, and the law’s numerous provisions are sure to befuddle even career financial advisers.

The legislation, signed into law on Dec. 20, was designed to help Americans boost their retirement savings. Hardly anyone is socking away enough money for the golden years, and more than a quarter of U.S. adults have nothing saved at all, according to the Federal Reserve.

When most parts of SECURE take effect on Jan. 1, will you be affected for better or for worse? That’s anyone’s guess right now, but here are five things we do know.

1. You’ll be able to leave money in a retirement account longer

Retirees will feel free to let their savings grow for an extra year and a half.

Required minimum distributions (RMDs) from retirement plans — the mandatory withdrawals that allow the IRS to start collecting taxes on your savings — currently kick in at age 70 ½. That’s being bumped up to age 72.

The longer you postpone tapping into your traditional IRA or employer-sponsored 401(k) plan, the more money you’ll have in the account when you do start taking funds out.

A financial planner can help you find the best use of the cash you withdraw. These days, CFP professionals are conveniently available online, through services such as Facet Wealth.

Related video: Congress passes Secure Act (provided by CBS News)

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2. You won’t have a time limit on IRA contributions

More and more Americans are working into their 70s. In 1998, 17.7% of Americans between ages 65 and 74 were in the workforce. That’s expected to grow to 32.5% — almost double — by 2028, says the U.S. Bureau of Labor Statistics.

As you stay in the workforce, you should be able to keep putting money into a retirement plan, says Republican Sen. Rob Portman of Ohio.

“We have to ensure that there is longer lifetime savings as people are living longer and healthier lives,” Portman told his colleagues during a speech on the Senate floor.

So, SECURE eliminates the maximum age, 70 ½, for contributing to a traditional IRA — provided that you have earned income. Roth IRAs and 401(k) plans have never had similar age limits.

3. Inherited IRAs will be taxed sooner

Starting in 2020, “stretch” IRAs — which have allowed anyone inheriting a retirement account to potentially stretch out withdrawals and tax payments for decades — will cease to exist. Beneficiaries will have to withdraw the funds and pony up for the taxes within 10 years.

The law doesn’t apply to spouses, the disabled or people with chronic illnesses, nor will it affect people who inherited an IRA prior to 2020.

For anyone who planned to pass down a traditional or Roth IRA to someone other than a spouse, estate planning just got more complicated.

4. If you have a 401(k), you’ll have new options

When it comes to saving for retirement, having too many choices is a good thing.

Employers have been nervous about offering annuities in their 401(k)s, for fear they’d get sued if the insurer went belly-up. The new law offers protection against those sorts of lawsuits, so theoretically it will be easier for plan sponsors to offer annuities and other options that promise guaranteed income in retirement.

SECURE also will require 401(k) administrators to provide annual disclosure statements that will show how much you might earn each month if you bought an annuity with part of your 401(k) balance.

However, the statements won’t start appearing until the IRS does its work, and that’s too convoluted to go into here.

5. You may get access to a retirement plan for the first time

Around 31% of U.S. workers don’t have the chance to sign up for a work-sponsored retirement plan, typically because they’re part-timers or employees of small businesses. The SECURE Act aims to change that.

Employers will have to open their retirement plans to part-timer workers who put in 1,000 hours in a single year or 500 hours per year for three consecutive years.

The law also provides financial incentives to small businesses that offer plans. There’s a tax credit, for example, to offset startup costs, and yet another credit for plans that offer automatic enrollment.

What people are saying about SECURE

The SECURE Act was three years in the making and had bipartisan support, but reactions to it have ranged from enthusiastic to scathing.

Some financial experts and consumer advocates worry that employees will be misled into buying pricey annuities they may not need. And Ed Slott, a well-regarded retirement expert, tells Barron’s that wiping out the stretch IRA makes the individual retirement account a “lousy estate-planning vehicle.”

There are even those who shrug and say, “Meh,” insisting that SECURE won’t have a dramatic impact one way or another. Those in that camp call on lawmakers to tackle bigger issues like the ailing Social Security system and the federal corporation that guarantees pensions.

One thing’s for sure: Any action taken to avert financial crises for aging Americans is a step in the right direction.

5 Reasons Why Your Business Should Sell Online

If your business hasn’t already taken to the web, it’s vital that you do. Not only does having a successful website help you reach more customers, but it also allows you to sell products and services online.

According to statistics from Shopify’s Global Ecommerce Playbook, online sales accumulated over $2.8 trillion in 2020, and this is expected to grow to over $4.8 trillion by 2021. Many consumers nowadays prefer the convenience of online shopping, and accommodating this can result in huge success for your business.

Here are five reasons why your business should sell online.

1. You’ll Instantly Increase Your Sales

Businesses often have to bend over backward to keep increasing their profits. While you may have a loyal base of customers already, it can be hard to acquire new customers and keep them coming back.

Taking your business online can quell this problem almost instantly. Providing your customers the convenience to order online and have products delivered straight to their doorstep gives them more reason to buy from you. What’s more, your website will be visible on Google and reach even more customers.

Consumers are now able to buy the things they need with just a few clicks. Many people even shop straight from their smartphones. When you sell online, you’ll reach many customers who use the web to find the things they want and need to buy. You can rapidly increase your sales, customer intake, and customer retention all at the same time.

2. You Can Market Your Business Better

In 2020, the most effective forms of marketing are generally done via the internet. That means that having a website which you can sell from directly can be a huge advantage. When you tie your digital marketing into your website, you can keep customers pouring in.

For instance, many businesses nowadays focus on SEO (search engine optimization). SEO involves using web pages and web content to make your business more visible on Google. Customers might find you for the very first time when they search for a particular product or service that you offer.

Selling online also helps with other digital marketing methods. You can promote products on social media and even create videos and infographics to reach more people. What’s more, you can use blog content to direct people straight to your product pages.

3. It Can Increase Customer Retention

Although pulling in new customers is a good strategy, encouraging repeat sales works even better. Research from Bain & Company found that a 5% increase in customer retention can account for a 75% increase in profits. Customers who you impressed in the past are more likely to shop with you regularly and spend more.

Selling online boosts customer retention in various ways. For one, customers who become interested in your business can browse your full product or service range online. Offer them a way to view everything you have to offer, and they’ll be even more enticed. What’s more, they now have the convenience of buying from you in the convenience of their own home.

You could even boost customer retention further by giving customers a reason to come back. Many online stores allow customers to make accounts where they can collect points for customer rewards. Giving customers online rewards can inspire them to return to your business in the future.

4. It Can Save You Money

Making more sales helps boost your income, but cutting costs can help increase your profit margins even further. Selling online can actually help you cut down on costs in certain parts of your business to increase your profits even more.

When you introduce new products to a physical store, you often have to spend extra on storage, displays, logistics, and other parts of the process. However, selling them online instead can instantly save you money on all of these areas.

Some businesses sell certain products exclusively online, so all they have to deal with is shipping. You can even use fulfillment centers to help you with the logistics. Some retailers nowadays even operate exclusively online to save money on opening new locations and dealing with expensive maintenance and staffing costs.

5. It Helps You Beat Out Your Competition

Taking your business online can also help you stand out ahead of your competition. Any retailer that doesn’t allow customers to buy from them online will be seen as outdated. Simply having a fast and easy-to-use online store will instantly make people more likely to buy from you instead of your competitors.

Selling online also has its advantages when it comes to convincing customers you’re the best in the industry. Your website can inform customers about your sales, the quality of your products, and why they should buy from you. You can also show customer reviews, so people know they’re buying from a reputable brand.

Any advantage you can get over competing businesses is a plus, and selling online gives you many advantages. It helps with your marketing, makes you more accessible to customers, and can instantly help you reach a wider market. All in all, every business needs to sell online to get ahead of their competition quickly.

How Your Business Can Sell Online

Selling online is now easier than ever, thanks to the wide range of e-commerce platforms available. At GoEmerchant, we are a one-stop-shop for everything you need to bring your business online. We make it easy to build an online store and accept payments for your goods and services.

One of the fastest ways to get started is to use a hosted payment page. This enables you to easily configure your own payment page and begin accepting payments online to build, market and grow your business. Choose from our large selection of design templates to customize the look and feel of your page in a matter of minutes!

Some online stores have specially designed e-commerce software to sell their goods. However, it’s also easy to use e-commerce software such as 3dcart, Shopify and BigCommerce. These platforms can plug directly into your website so you can start selling online straight away.

You can also sell your goods externally. Huge online retailers such as Amazon and eBay allow you to set up your own online storefront on their platforms. Although you’ll have to pay a small amount of commission, the scope of these websites can result in huge sales for your business.

Conclusion

Selling online has huge advantages for any business. It makes you look modern and professional while also helping you reach a much wider market. You can even start selling internationally. Whether you’re offering products for delivery or services, online storefront software will help you make more sales instantly to more people.

5 Top Reasons People Turn to an Advisor (And Why You Shouldn’t Wait)

Buying a home? Paying for college? Retiring soon? Planning ahead can help you work toward your financial goals—and prepare for any unexpected challenges.

MOST OF US START OUT THINKING we can handle money decisions on our own. Then as our careers, lives and goals expand, we begin to wonder: Am I making all the right financial moves? Do I know enough to make smart investing choices that can help me meet my goals? Even then, it often takes some major turning point—marriage, divorce, a family illness—to prompt us to look for help.

Merrill conducted a TwitterВ poll in 2020 that asked the question, “In which new situation would you be most likely to turn to a financial advisor for help?” Here’s how 20,433 people responded:В В

When we asked Karen Burns, director of Enterprise Planning & Advanced Digital Solutions at Bank of America, for the top five reasons people turn to a financial advisor, she came up with a similar list based on her experience working with clients.

“Major life changes like these often make people realize how much they don’t know about the markets and their financial lives—and what’s at stake,” Burns says. But, she adds, “It’s not always a good idea to wait until you need expert advice to seek it out.”

The Risks of Waiting—and How Planning Ahead Can Help

“While major life events often encourage people to seek financial advice, knowing what you want to do before they occur can be very valuable,” Burns says. If you’ve thought through your goals with an advisor and have an informed strategy in place for reaching them, major life events are less likely to pull you off track.

”Even if you think you’re too young to be seeking financial advice, having a trusted sounding board can help you take charge of your decision-making, rather than simply reacting,” Burns adds. “When you’re forced to react to unexpected financial challenges, rather than planning ahead, often your choices are limited.”

Below, see how an advisor can help you plan ahead for five of life’s most common financial turning points.

Ask an advisor: When should we start saving for college?В

The average cost of raising a child comes to $233,610 for the first 17 years alone, according to government figures. 1 And that doesn’t include college tuition or inflation. “It’s wise to review your finances to make sure they’re up to the challenge before you become a parent,” Burns says. An advisor can walk you through such issues as when you might like to start saving for your child’s college education and how you can keep your retirement savings on track while providing for a growing family.

Ask an advisor: How much debt can I take on?

Major financial transactions, like buying or selling a home, often involve financial retrenchment or important decisions about how best to deploy your financial resources. Long before you begin house hunting, an advisor can offer help as you wrestle with how much debt you can take on, how much money to deploy as a down payment, and how you’ll be able to keep your other important financial goals on track. If you’re selling, an advisor can be a good source of ideas about using the equity you might have built up in your home to help you pursue other goals.

Ask an advisor: How should my investments and other assets be divided?

Along with the often-difficult emotional ups and downs of divorce, both partners will have to deal with important financial considerations. Will you have enough income to support your lifestyle? How will your investments and other assets be divided? You may very well need to change your financial strategy to keep your goals on track, Burns says. An advisor can offer thoughtful ideas for how to navigate this tricky time in your life.

As for remarriage, “it’s a joyful occasion, but one that raises questions about how to best combine your financial lives,” Burns notes. Do you have an estate plan for the two of you that provides for the financial security of the other should one of you die? Are there children from a previous marriage you’d like to leave an inheritance to? Can life insurance play a role in your planning? How might your marriage affect your Social Security benefits? These are just some of the questions you’ll want to work through with your new spouse and a knowledgeable advisor who understands what’s important to you.

Ask an advisor: Should I pay down debt? Invest more? Retire early?

A sudden influx of cash or assets raises immediate questions about what to do with it. “A financial advisor can help you think through the ways you could put that money to work toward your personal and financial goals,” Burns says. You’ll want to think about much could go to paying down existing debt, and how much you might consider investing for a more secure future. An advisor can also help you rethink when you may want to retire, Burns suggests. Speaking of which …

Ask an advisor: How can I avoid outliving my money?

As the length of time you’re likely to spend in retirement continues to grow, it’s more important than ever to have expert guidance in preparing financially for that next phase of your life. “The financial decisions you’ll have to make in retirement are often more complex than those leading up to it,” Burns notes. Five or 10 years before you retire, it can be helpful to ask yourself such questions as: What steps should I consider taking now so that I won’t outlive my money? When should I claim my Social Security benefits? And how will I fund any unanticipated medical costs?

“No matter what stage you are in your life, there’s a lot to be said for being able to reach out to someone who can help you look beyond your immediate needs to help you build a strong financial future,” Burns says. “When you work with an advisor, you’ll always have someone you can turn to for advice as your life changes and you need to take a fresh look at your finances.”

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