Why You Need to Know About This Bull Market

Andrew Kyriacou and Bull Markets

Andrew Kyriacou and bull markets go back a long time. Basically, a Bull Market is a market related to finance where a price of trading stocks are on a continual growth path or may grow according to the expectation of the investors. This market is introduced when the economy is in the strong situation and it needs investors who want to get profits. Most rises in investment are up to 20% in the Bull Market.

Andrew Kyriacou and Bull Markets

Andrew Kyriacou, a financial advisor, always suggests to his followers to make a wise choice while you are going to invest during a bull market.

These markets are risky because you may get profits, or can get huge losses because your never know how long a bull market will last. There is no surety that you always get a profit.

A fall or rise in the trade market rates is an unexpected thing. This is your own responsibility if you lose your investment due to rate fall down, but most of the time they can give you a high profit if you are ‘riding the wave’ early.

The Current Bull Market

During any bull market you can get the high return for months and sometimes for years. Experts are at odds in regards to this current bull market – some financial experts say that this bull market start in 2009, which would make it the longest bull market in history. However, other financial experts are saying the there have been to downturns since 2009 that would satisfy the general definition of a Bear market. These experts suggest that the current bull market started in February of 2016.

Andrew Kyriacou believes that this particular bull market began in 2009. He says that trying to invest in this current strong bull market, while the economy is on high strength, is becoming more and more risky.

Becoming afraid from the market risks is not a quality of successful trader, but acknowledging the increasing risks are important – these are the words of Andrew Kyriacou.

There are some important points to consider under your mind when you are planning to invest in the bull market.

Look at the following tips by Andrew Kyriacou:

Check Your Budget:

This is the first step when investing in any bull market. Andrew Kyriacou says not to behave like you are an expert and never spend more than your budget. This over-investment can be risky when the market falls off in its rates. He always recommends choosing an investment plan that fits your budget.

Check Market Rates:

As you know the market rates may vary with time so always check the rates before investing. Andrew Kyriacou reminds to not make a mistake of investing in the trades that are profitable in the past year because the situation never remains the same in every year. You may get profits if you’re lucky, but sometimes the trades go off and rates fall down.

Compare the Plans:

The comparison is a choice of smart investors because they always compare all plans before making the final decision on investment. Don’t play with the market try to invest like a wise trader by comparing the various available investment options and then invest in one that you find the best in all.  The best plan is that which has high chances of raising its market rates and has the lowest chances of price dropping.

Hedge Your Bets:

When the length of a bull market becomes longer and longer, the risks in a large drop become higher. Thus, it is very important to begin hedging your investments against this risk. This means becoming less risky in your investment strategy, and always investing in two offsetting securities. Meaning if one security drops off, the second will compensate for that loss.

Take an Expert Advice:

Andrew Kyriacou and Bull Markets
Take expert advice from financial advisors during Bull Markets.

Take an advice from a financial advisor or any trading expert who has vast knowledge of marketing strategies and bull markets. Check the news and updates on the blog of Andrew Kyriacou for getting advice related to market price and current plan with high values. He has great experience and always suggests you the right option that is almost risk-free or has a lowest risk.

After checking all these strategies and marketing investment plans should be easier to choose for you. According to Andrew Kyriacou, the growth of earning is on improves and the market in its healthy stage. The improvements are going on from the July to August and the rise in employment is up to 4.3 percent.

This Andrew Kyriacou and bull markets White Paper describes that there are growing risks in the current bull market. So this is the best time to starting lowering your investment risk in the market and begin planning for the next Bear market.

Bottom Line:

In the bottom line, in the advice of Andrew Kyriacou he says to never leave any opportunity of getting profits when you are a trading lover. Who doesn’t want to be successful in the trading stream? But, you have to know some basics of this field before starting your investments and earning well.

A strategic advisor like Andrew Kyriacou, and a smart plan in a bull market will always return you more value on your investments. The risk is the common factor, but after risks there may be a successful investment growth waiting for you. So be smart and start investing more risk-adverse and grow your earning with Andrew Kyriacou and Bull Markets.

Market Update from Andrew Kyriacou

Market Update from Andrew Kyriacou

October 12, 2018 – Market Update from Andrew Kyriacou

As many of you have seen this past week, the markets are trending down and volatility is spiking.

Well, it seems that the “elephant” in the room is now being noticed.

The main reasons why we are seeing this volatility today in the markets, and maybe a correction within the US stock market, relates to the increase in US interest rates, the strength of the US dollar, commodity prices (particularly oil) and more concerning tariff tensions.  In fact just this past week the International Monetary Fund (IMF) stated that worldwide growth is becoming more uneven among emerging market and developing economies, reflecting the combined influences of rising oil prices, higher yields in the United States. The IMF reduced their worldwide estimate for 2019 GDP and stated “the sentiment shifts following escalating trade tensions, and domestic political and policy could lead firms to postpone or forgo capital spending and hence slow down growth in investment and demand.”

As I mentioned in an email to my clients, we anticipated rates moving higher in our clients bond portfolios. Even though the valuations of the bonds decrease with rates moving up, most of our portfolios are short to limited duration that will not only recoup any short term valuation volatility but, as the bonds come due, while rates are moving we will be capturing the higher rates of return on the new bonds.  This will add to the total return of your portfolio over time. In the short term the market volatility will increase.

As for the equity markets, it is best to be cautious of the mixed market conditions.  Baring the geopolitical issues related to trade and tariffs, the US economy is projected to have a GDP between 2.5% and 3% in 2018. Further, the projection for 2019 GDP is around 2.5%. This would translate in single digit returns for the US equity markets. 

However, you should be very cautious of geopolitical issues or that big elephant in the room in which interest rates may move up higher than expected and the trade tensions escalate which it will have a long term effect on the markets. Therefore, near term we believe the markets will continue to see volatility.

I am always very disciplined in my approach to maintain the appropriate liquidity for my clients to take into account market corrections. I also believe that the active managers who concentrate on companies with strong balance sheets, positive free cash flow, and high profit margins will fare better in these markets.

These days it’s best to maintain a diversified approach to your portfolios that have weathered the storms in the previous market corrections. If you are well diversified your portfolios will not feel the full brunt of the recent sell off.  However, with that there are still concerned and cautions. Besides the cash flow needs that you need in each of your portfolios, if you do have a need for additional cash within the next twelve to eighteen months you might consider holding that amount in a money market account. 

The only thing certain we can predict is uncertainty, and therefore if you have a need for a large cash expenditure in the next twelve to eighteen months you should let your financial advisor know.

In the meantime, take the good Baron Rothschild’s advice (tweaking it slightly), “buy when there is blood in the streets, even when it’s your own”.  No action in this market may be the prudent action to take as what you want to avoid is to sell low.

Be cautious and consult your financial advisor. These will be volatile time.

Sincerely,

Andrew Kyriacou

Andrew Kyriacou

Look for more Market Update from Andrew Kyriacou.

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How HNWI’s Balance their Financial Portfolios

Retirement advice from Andrew Kyriacou

Retirement Advice from Andrew Kyriacou

Throughout his career, retirement advice from Andrew Kyriacou has focused on HNWIs. 

HNWI = High Net Worth Individuals

Basically, an individual that has his financial income above $1 million is considered as High Net Worth Individual.

This income is calculated from his or her liquid assets. They choose different investment plans for balancing their financial portfolios. High Net Worth means the high rate of income taxes on your annual income. For managing their HNW they start using their money in several investment plans so that they can get the benefit of less tax. There are many tax deferred plans available that can save you from paying high income tax costs.

Andrew Kyriacou specializes in helping HNWIs get the most out of their money by minimizing the tax that is paid on their income. However, these same strategies can often be used by people who are NOT HNWIs.

Start a 401K

Andrew Kyriacou says that for balancing your high net worth the HNWIs can choose from the category of tax deffered plans. When a HNWI is going to retire from their job then they really need the right retirement plan. Andrew Kyriacou suggests a 401K plan for the people who want to save for retirement. Retirement advice from Andrew Kyriacou is clearly defined that employees should adopt a 401K plan as soon as possible. It is a perfect way of saving money for your retirement.

Your paid premiums are sheltered from income taxes. This is the main reason for the 401K plan’s popularity. Andrew Kyriacou approves 401K plans as a choice of a wise and smart investor who cares for their money. Preparing in advance for the upcoming times is always better than crying in worst financial conditions. 

Retire in style - Andrew Kyriacou
Set yourself up for an easy retirement by learning from HNWIs.

Maintaining a good balance for your financial portfolio is really a task of great responsibility. Select the most profitable plan but remember that there may be a lot of risks if you are trading in mutual funds. Investing in certified company insurance that shelters your investment and saves your funds from the eyes of income tax is a better option if you are an HNWI. Don’t try to be over smart and get advice from an expert such as Andrew Kyriacou. The expert advice will always guide you to right way towards the perfect plan for your investment. So in this way, the HNWIs balance their financial portfolio and live a royal life free of stress and worries.

Why you must start saving for your Children?

Andrew Kyriacou - Investing for your children

Andrew Kyriacou says that saving is always necessary for every person; whether you are an employee or not. AND, your investment responsibilities will grow with new additions to your family.

With each passing year, your expenses will increase on your family, which puts added pressure on investing and savings. Growing kids need more care, and for this you need more money for satisfying the needs of your kids. The situation can get out of the budget if your children are ready for school admissions. As you know the education system is becoming more expensive in present time for providing the better education to your children you need to put high price tag out of pocket. College and University fees are going higher and higher. Also the expenses of medical treatments are too high when your child got any health issue. All these expenses add up very quickly, and can prevent your children from having a good education.

So, if you want to provide a bright future for your children you must start saving now.

Investing as much as you can - Andrew Kyriacou
Invest as much as you can… it doesn’t have to be a huge amount. Just start early!

Your savings will help you in maintain the future costs of your children’s education and lifestyle without any depression. By starting a savings account in their childhood, you can add tiny amounts weekly, monthly or yearly, and they will add up over time.

Trust me your child will proud of you for making such a wise choice for him or her.

According to Andrew Kyriacou saving is the smart habit that will remove the chances of debt. In his articles and news he always provides smart financial bits of advice to the parents who want to save money for their children. You can invest in a child saving plan for the future use.

There is a variety of child investment plans offered by many certified insurance companies. You can get advice from your financial advisor for choosing the best plan with the low premium and high return values.

You can check the news and articles of Andrew Kyriacou for having the best suggestion from the best advisor while choosing the insurance plan for your children.

Conclusion:

The articles of Andrew Kyriacou are really helpful for deciding about your insurance plan. Not only education but the health care of your children is also important for you. For better treatments in critical health situation of your child, you need high funds. So you just need to save for your children for saving his life and making it better. Saving in advance will never let you go out of money in the future.

Read more of Andrew Kyriacou’s Investing Tips

5 Ways to Save for the Future

Andrew Kyriacou - Retire to the Maldives

Introduction

Saving for the future is important as it provides cover and financial safety for uncertainties in the future. There are many tools and ways to save for the future. This article provides some of Andrew Kyriacou’s tips for saving for the future which are as follows:

Open an Individual Retirement Account (IRA)

An IRA is an account opened by a financial institution which allows the account holder to save for retirement with tax-free growth or tax-deferred option. There are two basic types of IRA- traditional and Roth which offer immediate tax savings or tax-free withdrawals when the money is needed by the individual after retirement. The money in the IRA grows in a tax-deferred basis. The IRA helps the money compound faster, thereby creating a corpus for retirement. The government also promotes IRA by incentivizing the low and middle-income group through means of tax credit, known as the savers credit. Individuals can seek help and guidance from experts like Andrew Kyriacou’s tips which can prove helpful in planning for future savings.  

Become a Part of 401(k) Plan

The 401 (k) plan is an employer-promoted and sponsored retirement plan. It provides the individuals with an option of putting the money in the plan which compounds on a tax-deferred basis, to create a retirement corpus in the long-run. Employers provide matching contributions to the 401(k) plan to the employees who opt for this plan. This is an added incentive for the employees to participate in the 401(k) plan and save for the future.

Health Savings Account (HSA)

The HSAs are meant to create savings which may be needed for meeting health expenses in the future. Healthcare is becoming costly and it can wipe out major chunk of the future savings for individuals. Hence the HSA seems a good initiative to save as it allows the users to contribute money on pre-tax basis and withdraw the money in future on a tax-free basis, provided the money has to be used only towards health care expenses.

Saving for Children- 529 Plan Accounts

The 529 plans basically help individuals save for their children’s education and college expenses. It allows the individuals to make contributions in a tax-deferred account. The distribution of the eligible expenses is tax-free under this plan. Some specific states also provide additional incentives for making contributions to the 529 account.

Long-Term Stock Investing

Individuals can open a regular brokerage account for long-term stock investing. The longer the investment horizon, the greater will be the returns. However, individuals should seek professional consultation and advisory services before investing in stocks. Expert resources like Andrew Kyriacou’s tips can prove helpful for this.

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Starting a Financial Blog

Andrew Kyriacou - Starting a Financial Blog

About the Author – Andrew Kyriacou

Hi, I’m Andrew Kyriacou of Shrewsbury, MA – A financial consultant for high net worth individuals at Andersen Tax.

As I start AndrewKyriacou.tips, I only find it fitting that I begin my first post with the title ‘Starting a Financial Blog’… seems pretty fitting to me. As economies change, and Gen Xers and Millenials are getting older, financial blogs are becoming more and more popular among readers. It helps create awareness on finance and financial planning among the readers, and due to increased awareness on personal finance; readers are interested in consuming such blog contents. This article provides some basic prerequisites for starting a financial blog, which I, Andrew Kyriacou, am following when starting this blog.

Be Passionate on the Topic

It is of utmost importance to be passionate on the topic. Hence to start a financial blog, one should be first passionate on finance and related topics. Beyond research, any financial blogger should also have direct experience and expertise on the topic before blogging. Andrew Kyriacou of Shrewsbury, MA is passionate about finance and has 22 years experience in the field.


Get a Creative Domain Name (like AndrewKyriacou.Tips)

You see, it’s creative because Andrew Kyriacou (me) is going to give readers tips, hence the domain – I think you get it. New bloggers should get a creative domain name, which is direct and easy to remember for the readers. The domain name should be short and should clearly reflect on what subject the blog is written on. Like for a financial blog, the domain name should convey financial meaning or terminologies for it to seem credible. It is also suggested to keep a unique domain name for readers to remember.

Prefer Quality Over Quantity

New bloggers often post blogs daily – not me. While there is nothing wrong with this approach, it is suggested to prefer quality over quantity when starting a financial blog. Research reveals that writing long posts and quality-oriented content leads to more traffic anyway, so that’s the plan here. Posting new blogs daily is too exhaustive and it can become demanding to churn out original and quality content every day. Hence, quality over quantity is the way forward when starting a financial blog. Usually, blogs with length of 2500 words do well. Posts on AndrewKyriacou.Tips might not be that long, but some will.

Proper Research on the Topic

The topic on which the blog has to be written needs intensive knowledge and insight. Also, I think that the information has to be replicable. There’s no sense in giving readers tips about what to do with 10 million dollars because most people don’t have 10 million in the bank. However, I CAN give you tips and advice on maximizing your savings as if you had 10 million.

In addition to the content, it is important to research what other bloggers have written on the same subject. I’ll do this for all Andrew Kyriacou posts. This research provides clarity on the existing content on the subject and also the gaps, which can be plugged. Hopefully, this results in creating better content on the subject and the blog becomes more relevant to the audience. Well-researched blogs will improve the search rankings and direct more traffic on to the website. 

Post Relevant and Appealing Topics

It is important to do identify topics, which are relevant and appealing to the audience. Once the topic is selected, the blog should be written in a manner which meets the need of the audience. There are many blogs on starting a financial blog, so in such fierce competition, it is imperative to grab the reader’s attention. Using Google Keywords provides the competition for a particular article or blog. Judicious use of the Google Keywords Tools helps in narrowing down the competition and coming out with blog containing content and keywords which have less competition on the online domain. Such blogs will be more likely to get hits and views by the readers. Top financial advisors like Andrew Kyriacou of Shrewsbury, MA will be blogging on such relevant and appealing topics, which will hopefully reflect popularity.

Happy reading, and happy investing:

Andrew Kyriacou

Learn more about me: https://www.andersentax.com/people/kyriacou-andrew