Personal Finance:Copy the Investment tips that guarantee an early and safe retirement.

Personal Finance:Copy the Investment tips that guarantee an early and safe retirement. Investment is a tool that takes you from where you are to where you want to be.A lot of people there spent there useful years serving others not knowing that one day the retirement would come.How did you plan your retirement?are you thinking of having a safe retirement or zero retirement.I believe you deserve the formal. Even,if you are the type that do not know how to invest or where to invest I have carefully put up some helpful pointers/ investment tips that teach you how to start putting money aside which is a prelude to a successful investment. 1.Go for a safety net:Look to have a safety net behind you,ideally aim for three to six months salary in cash before you make any other investments.This provides an emergency fund should you be made redundant. 2.Test that products:Before committing yourself to any financial product,including a mortgage,stress test it.In other words don"t merely look at the best scenario,look at the worst.So if you are taking out a large mortgage,look at what you might have to pay back if rates were 3 % or 4% higher.Do not believe anyone who says it might never happen.The fact is that it usually does. 3.Set a Budget:Set yourself a budget.Know how much money you have coming in but,more importantly,check how much money is going out.One way to do this is to note down over a period of four or five weeks every bit of your expenditure.This can identify spending that is going out of control and is a useful way of identifying where you can make savings. 4.Learn the ABC of Investing:Learn something new every day about investing -just one thing-but do not think you have to learn everything at a time.Pick one investment subject or aspect about investing and make it your own. Do not invest in companies you have never heard of.Learn as much as you can about them.How long have they been going?what levels of profit are they making?what do they intend to do going forward?who runs the company?and if there is something you want to know about it,the 24hrs customer service of the company must be answerable. 5.Be a realistic Investor:Be realistic in your expectations-generating a return greater than the percentage you might get at the bank.If you want to get rich quick,do the lottery-the stock market is generally for people with patience.There are plenty of shares of stocks of public traded companies which offer growth or yield potential or both. 6.Be a winner:How to make money is how not to loose money.Run with winners and not losers.Go with the trend and withdraw profits immediately the opportunities comes. 7.Investment windows:Invest in U.s stocks represented by S&P 500 Index. -Invest in Real Estates. -Invest in commodities such as Gold and Oil. -Invest in Domestic Funds. and also invest in Exchange traded fund(ETF) http://www.howtotradethestockmarket.blogspot.com.