Find tips on handling money wisely and confidently, whether you are spending it now or investing for the future. If you have a blog or website, you can link to it or even post it to your own site. TEXAS INVESTOR GUIDE. Begin by assessing performance history and establishing a risk tolerance. So, what are you spending your money on? (Read This: How to Budget Like a Winner) BUSINESS. Doing so will build a solid. How to Invest. You have to start with survival. What they would skillfully try to do instead is to attract every individual employee to deposit their hard-earned money in the form of savings, time-deposit accounts, checking accounts or any other fancy name, invest them wisely to buy shares just like what I did, obtain that 10%-20% gain in a matter of DAYS with their trading skills, and as a. 5% compound average annual return and a fair amount of risk. So, deciding where you need to invest your money and where you can save is important. national how to invest money wisely borders quality of the line in that the opportunity. Saving and investing your hard earned money over a long period of time allows the power of compound interest work its wondrous magic!. The amount of potentially. Investing money wisely is a task to achieve, but with good knowledge and patience, everyone can learn all about investing money wisely. 4 Tips for Investing Wisely During Retirement You need your portfolio to perform well when you're older. Find good fit for people publishing. How to Invest Wisely in the Stock Market on. For example, most investing professionals are paid one of two ways. New, 14 comments. I know all those points because I’ve experienced them all, The Best Way to Invest Small Amounts of Money Wisely. Automating investing is an excellent way to outsmart yourself, so you manage money wisely. money; investing; How to invest when you don't have much money. Multiple places in the Bible, God instructs us to work so we can give to others in need. Seniors are often the target of fraud. Understand your finances: earnings, spending habits, etc. Salisbury Bank Offers Free Seminar on How to Make Your Money Work for You: How to Spend, Save, Borrow and Invest Wisely April 14, 2016 Salisbury Bank and Noble Horizons are partnering to offer a seminar that will provide information, tools and strategies to help you distinguish how to spend, save, and invest your hard earned money. Facing Page 1 PART 1. Consistently investing 15% of your income every single month will grow your wealth in a huge way. It is very hard to deny that money is most useful when it makes more money. How To Invest An Inheritance Wisely | Investing For Future Needs If your monthly income meets your current needs, then consider investing inherited money for a future need. Consider something that you are passionate about. You risked money hoping that certain stocks, bonds or other investments would go up over time, and they didn't. Invest money wisely. Your money has to grow and in order to grow your money, you need to invest your money. In both difficult and prosperous economic times, it can be confusing to determine the best ways to invest money wisely. Your investment style will determine how much growth you might see over a particular period of time. Investing Wisely Let’s reach your financial goals together. It’s about investing your time, your money, and your energy wisely, in order to achieve your goals. Being debt free should be your first priority in the New Year. Learning how to invest your money wisely is one of the most important things you can do to create an awesome future for you and your family. If you save $100 a month and instead invest that $100 monthly at 8% interest, in 10 years you’ll have $18,444. It pays to take a strategic, long-term view of how to spend and invest it. Now he's done something even better. Cash flow will also increase over time because rents will go up with inflation while your mortgage payments stay the same. It is not important that your salary is high or low but everyone should focus on at least small investments as soon as they start with their jobs. Isn't it time it did some work for you? Investing is just like any other financial decision. How to invest 100k inheritance (48 Posts) I want to use this money wisely. Invest Wisely: Advice From Your Securities Industry Regulators Aug. However, if you are a beginner to online trading it would be quite overwhelming for you to decide on which stock to invest in. These are the key bits of data that will help you calculate a realistic goal to find the best way to invest $100,00 and also give you a target return rate to look for in your investments based upon your end goal and how long you have to achieve it. This trust. *Established in 1836, Legal & General is one of the UK’s leading financial services groups and a major global investor, with international businesses in the US, Europe, Middle East and Asia. Whether or not the money you invest is tax-sheltered, wisely invested and managed funds will see a growth in returns. Zacharczyk, CFP®, MBA CRPC. Two, you want to invest your money and get a return. Using a discount broker, such as Ally , can help keep your trading fees down. The 4 Golden Rules. One of the most important factors in how much wealth you can accumulate depends on when you start investing. Starting with the lowest risk and progressing to higher risk forms of investment. Spend your money with wisdom and forethought in 2018. Your money is your money. TIAA Personal Portfolio is convenient, online investing with a human touch. Installing business storage solutions sounds very promising for the growth of any business but then there is always a question about – is it really required?. Featured content. Start investing Early Among the most important factors that decide how wealthy you can get for investing is when you start. An investment – or investing – is a long way from putting your cash in a bank account where it sits to earn interest. Real estate investing is one of the top strategies to gain financial independence as long as you know how to invest money wisely in the industry. Invest in the best companies. Today, Del delivers a powerful message to those deciding away their lives with conventional wisdom. You risked money hoping that certain stocks, bonds or other investments would go up over time, and they didn't. Respect the Market. Finally, you can invest it. Make money off of your money. There's no tax on the money while it is invested in the Roth, and if they wait until age 59Q to make withdrawals, their tax bills will be zero. Match your goals to potential investments that historically have met your time frame and investment objectives. Mutual funds offer a high degree of diversification within a single fund. Below are some tips on how to invest money wisely: Settle debts first, it is the best alternative that can be done. The chances are you aren’t going to hit the nail on the head for your first property and buy a winner, but you don’t want to lose a whole bunch of money either. Gustavo Dolfino, a highly regarded investment banker has a few tips for you. The profit you get from investing money. First, you link your bank account to your Lending Club account, and transfer any funds you wish to invest to your Lending Club account. This statistic is the very reason we want to discuss how to save money fast and invest it wisely. What would be some viable options/ suggestions?. You have no immediate need for this money. Keep receipts for unreimbursed medical expenses since you got your HSA. Interest rates are very low and it doesn't look likely that they will rise in the near future. Before investing, consider your investment objectives and Betterment LLC's charges and expenses. The chances of finding the same level of success in small-cap stocks that you enjoyed in the recent past are a lot slimmer than you might think. Check first how the news impacts the company because if the stock drops, but nothing changes in the way the company grows and makes money, that should be the best time as an investor to put more money in and buy. See if money can be arranged at a lower cost to get the benefit of cash discount. Use these 7 simple principles to save and invest money wisely: 1. According to the dictionary the definition of wise is: having or showing experience, knowledge and good judgment. The Best Strategies to Invest Your Money Wisely Laura answers a podcast listener's question about how to invest money for higher returns. Make your money work harder for you. Money you need within the next five years should not be put at risk, so take that money off the table and place it in safe investments. 13 Best Books on Dividend Investing (Invest Your Money Wisely) One way to achieve financial freedom is to invest in dividends. 3 tricks to help you save money on last-minute Halloween shopping Start investing your. Retirement. In the past, it was enough to work hard and save money. Real estate investing is one of the top strategies to gain financial independence as long as you know how to invest money wisely in the industry. The thing is if you don’t learn to manage your money, you might just spend it all without knowing exactly what you’ve spent it on. We complain endlessly about the average person not having very much money saved up, and yet most of our investing articles assume the reader has mountains of cash to invest. Whether you're trying to purchase a home, send your children to college or save money for retirement , learning the best ways to invest money can help you reach your goals a little faster. ” “It is not necessary to do extraordinary things to get extraordinary results. And if you want to recoup some of the money you’ve already spent on collectible items, you can start selling them now and use those funds for any number of worthy financial goals. We complain endlessly about the average person not having very much money saved up. Why are you considering investing in the stock market?. Spend Wisely (Money Smarts) (English Edition) Produits similaires How to Own the World: A Plain English Guide to Thinking Globally and Investing Wisely: The new 2019 edition of the life-changing personal finance bestseller. com! Spending money wisely has a big role if you want to save a lot from your hard-earned money, whether it is from a salary or business income, you must have the habit of saving money. By Conrad de Aenlle Nonprofit organizations have no shareholders to keep happy, but they still need to generate income. 10 Ways to Save Money and Invest Wisely In these tough economic times, we all need to think about how to save more, or earn more from our hard-earned dollars. If you plan on opting for something that is out of the ordinary, new, revolutionary and innovative, then we think that you should learn more about cryptocurrency. A basic understanding of how scam artists work can help you avoid fraud and protect your money. Most people make the biggest mistake of saying that they don’t earn enough money to invest and will start. In both difficult and prosperous economic times, it can be confusing to determine the best ways to invest money wisely. If you will be upset if the money you give is not used wisely, stick to those methods that allow you the most control. Start investing as soon as you begin earning. The Passage Ecclesiastes 11:1-6 The Bible Meets Life The world of financial investing can be a virtual minefield. If you haven't starting investing yet, don't' worry neither have your friends - but that's no excuse. We have long discussed about how to invest money and where to invest them by choosing the right asset to focus on. How portfolio diversification works. So shouldn’t it be all about you when it comes to your money? In 13,000 offices, you’ll find a financial advisor who believes it’s time for investing to feel individual. Manage your business. After all, you've worked hard for your money. Invest in funds & get cashback. Nowadays, money management is very important. Investing money in the stock market is the number one way Americans build wealth and save for long-term goals like retirement. Good advice is usually not free, but it will stop. The smart way to invest your money for good returns. Back to our example: by receiving $10,000 today, you are poised to increase the future value of your money by investing and gaining interest over a period of time. Investing money wisely is as much about understanding what you don’t know as what you do know. Knowing how to spend your money wisely is always a good idea. How to invest your time wisely Posted on 19 February 2018 17 February 2018 by ambertreeleaves A few meetups ago, it became clear to me that the end goal of the whole FIRE journey is not hitting a well calculated number. When beginning investing,. Below are the following ways on how to invest lump sum of money wisely: Have the Money Transferred to a specific Market Account. How to invest Money Step 1: Low-Risk Investment Here, you're looking for a basic place to put your money. The first theme is how to achieve financial independence with five simple steps: plan early, work diligently, save consistently, spend responsibly and invest wisely. 8 Wonderful Tips on How to Invest Money Wisely. Whether you're a total beginner who's never bought a single stock in your life, or you're a seasoned pro who's been in the market for years, there's always something to learn about investing in stocks. Fortunately, now there are different software's which could help you out with online trading. Watch The Fees. The internet has tons of information about investing, coupled with real-life stories of how people invested in certain ventures and reaped great rewards. Whether you are a beginner or a certified pro, it is vital to keep these four maxims in mind. To start investing, you don’t need a lot of money. They're far simpler than normal investing but you're tied to a 'portfolio' of funds. Investing money abroad: what assets to invest in. One thing still remains true though: you need to invest your money wisely. Whether you're setting money aside in an emergency account, saving for a large purchase in the near future, or investing as part of your asset allocation, you can ensure your cash is providing you with all it should by following these guidelines. "It's a barrier you set up that allows you to outsmart yourself so you manage money wisely. That’s the time value of money: The more time that goes by, the less value your money has. Of that $1,000, only $25-$50 would go to any one borrower, so if that particular borrower defaults, you don’t lose your entire investment. How to Invest a Tax Return: Depends How Much Money and Time You Have. Smart ways to invest $10,000. The thing is if you don’t learn to manage your money, you might just spend it all without knowing exactly what you’ve spent it on. You may get back less than you invest. Keep receipts for unreimbursed medical expenses since you got your HSA. The chances of finding the same level of success in small-cap stocks that you enjoyed in the recent past are a lot slimmer than you might think. As far as investments go, you are completely in control of your money. I have projected that I can possibly invest $400-500 a week. Investing money wisely is a task to achieve, but with good knowledge and patience, everyone can learn all about investing money wisely. Spend Wisely (Money Smarts) (English Edition) Produits similaires How to Own the World: A Plain English Guide to Thinking Globally and Investing Wisely: The new 2019 edition of the life-changing personal finance bestseller. Spreading your money around among stocks, bonds, CDs, IRAs, and funds gives you a balanced portfolio. Student Worksheet 4 Name: USING MONEY WISELY DEREK’S LIST A. Be open to change. Investing in stocks can be very costly if you hop into and out of positions frequently, especially with a small amount of money available to invest. Before figuring out how to invest money wisely, it’s important to first remove financial costs that are holding you back. A reader wrote to me recently and asked how I would invest $50 million after taxes. No one gets anywhere without investing time and/or money towards a better. Whether you’re setting money aside in an emergency account, saving for a large purchase in the near future, or investing as part of your asset allocation, you can ensure your cash is providing you with all it should by following these guidelines. Investing wisely implies using one's brain and researching all options. About a year ago I realized I hadn't purchased the right house. This will help you create an action plan to reach your goals and will weed out the thousands of investments that don’t help you meet your objective. We complain endlessly about the average person not having very much money saved up. How to Borrow More Money Wisely: Do So With Caution. If the answer is yes, then there was a previous business risk attached to that money even though it wasn’t equity risk. Here’s how to avoid errors and make the most of the situation. For leverage to make financial sense, the return you earn on the leveraged asset should be higher than your borrowing costs. I have projected that I can possibly invest $400-500 a week. For our purposes here we are going to define small amounts of money as something more than $100, but not more than $1,000. Like most things in the money-world the earlier you start investing the better. However, I was never really taught how to invest money wisely. Liquidity is a real risk. Starting to invest early allows your money to compound, which means interest earned gets added back to your principal. Investing wisely can help lead you to a life of financial freedom. 4 Tips for Investing Wisely During Retirement You need your portfolio to perform well when you're older. For the past eight years, J. 4 billion, the. Learn how to invest in UAE using the 3 bucket investment strategy. com! Spending money wisely has a big role if you want to save a lot from your hard-earned money, whether it is from a salary or business income, you must have the habit of saving money. 00 nowadays? Easy money! The common thing that we Filipinos usually lack is the knowledge on how to save money which is not actually the problem. Divide the inheritance into long-term and short-term piles. These are my 9 Best Investment Opportunities in Nigeria and the best way to invest money for people who want to make money by the end of 2019. " In other words, stick to what you know. Before investing, consider your investment objectives and Betterment LLC's charges and expenses. For many others, though, the problem comes from not wisely spending the money that they do make. Investing in stocks will allow your money to grow and outpace inflation over time. With that in mind, a smart way to invest money could be to choose to invest in a financial education. By choosing the right investments those big-ticket items can be easier to obtain and you can swan off into the sunset. Being well-diversified is key to investing wisely. Investing is one of the best ways for anyone to create wealth and become financially independent. Many people find it easier to pay themselves first if they allow their bank to automatically re-move money from their paycheck and deposit it into a savings or investment account. Borrow to invest in appreciating assets. For many employees, their employer sponsored retirement account is likely to be one of their largest sources of income during their retirement years. into something to make a profit or get an advantage: 2. Have money automatically transferred from your paycheck or bank account into a savings or investment account every single month. Start investing sooner rather than later. This statistic is the very reason we want to discuss how to save money fast and invest it wisely. to put money, effort, time, etc. 10% of your score is based on inquiries and the new credit you’ve taken on. Investment strategies. More specifically, what you want to do is to grow the money gradually but securely, rather than taking ridiculous chances, like trying to double your money in five years. Perhaps you just got a raise. At its core, investing money wisely comes down to a handful of behaviors in which you, as an investor, can engage to harness several powerful forces to build wealth for your family. Thursday, February 7, 2019. Principles of Investing: How to Invest Money Wisely. “The Invest In Me program has helped my student loan payments and my day-to-day budgeting because it gives me a little extra every month and shows me that Lockheed Martin MFC really does care about me being able to transition into the workforce," says Anissa K. Live Tradenet Day Trading Room - 11/04/2019 - S&P 500 +22. When you win a big sum of money from the lottery, the first thing you need to do before indulging in your newfound wealth is to pay your old debts and new lottery-related taxes. SMALL amounts of money grow into large amounts of money. Do you hate it too when you really need money, but your wallet is empty? I do! No matter how little or how much money you have. Even if you only have little funds to invest, it is still possible for you to start investing. Nowadays, money management is very important. Keep in mind that past performance does not indicate or guarantee future results, and it is possible to lose money while investing. Who doesn’t want to learn how to do that?. If you don’t have the skill or time to manage your investment your fund manager can do it for you. The world of stock investing isn’t static; it’s always changing as technology develops new ways to study companies and invest in them. Invest in your retirement. How to Spend Money Wisely. It is generally best to get rid of high-interest rate charges, lower your taxes and build up a rainy day fund before investing in the stock market. # 6 - Refinance Your Debt. Investing in stocks will allow your money to grow and outpace inflation over time. 10% of your score is based on inquiries and the new credit you’ve taken on. They are treasury bills and bonds. Take Advantage of the Power of Compound Interest as Early as Possible. 4 Best Investments To Make This Year. Forgot account? or. Investment Tips for Beginners- How. You’re always busy, yet never seem to accomplish all you want or enjoy the way you spend your time. It is your foremost responsibility to arm yourself with the essential tools in order to achieve investment success in the future. Basically, the goal of investing is to commit money, and in return that money will grow. Check first how the news impacts the company because if the stock drops, but nothing changes in the way the company grows and makes money, that should be the best time as an investor to put more money in and buy. Use the worksheet to the right to fi gure out your total. You bet wrong. Investing is the brilliant compromise that makes the money people save temporarily available to businesses that need to borrow. The key steps are to make a financial plan, diversify your investments, determine how much money to allocate to each asset class, and to continually rebalance your portfolio. Invest your money with the help of Greg Silberman who is a financial consultant. Invest money wisely. This guide will provide some simple things to think about when investing your hard earned money. Make sure you invest in capital improvements, such as building a deck, installing a hot water heater, putting in a swimming pool, or building an addition – anything that adds value or lengthens the useful life of a home. Canada is a welcoming and promising country that offers opportunities and freedom to immigrants. Right now, federally insured online banks are offering two-year certificates of deposit paying over 2. $50,000 is a lot of money and much more than most first time investors have to start with. 8 Wonderful Tips on How to Invest Money Wisely. Ally offers research tools to help you choose the right stock. Dollar-cost averaging calls for systematically investing equal dollar amounts at regular intervals, such monthly installments, to diversify the timing of your entry into the market. This spreads out the entry-point. You can invest in stocks, real estate, gold, silver, commodities, business, etc. Of course, there are many companies like mine that will give you direction in selecting the mutual funds in which to invest. Even though I respected Tony Montana(played by Al Pacino), and his ambitious rise to the top, I would have rather been in Sosa's position because he had the real "POWER". The smartest financial decision is to split your money across multiple assets. Then at the end of this article I look at how to invest £100,000 for growth. A general rule of thumb is to spend no more than one-third of your income on debt—including mortgages, credit cards, and loans (e. In 2009, I started to give money to my friend who was investing in a taxable account for me. how to spend money wisely The first thing you need to do is to change the way you look at money. You can also personalize your portfolio according to investment. Invest It Wisely is about evaluating the choices that each of us face everyday. Don’t expect investing to make you rich, but to keep you rich. You bet wrong. By Peter Anderson 20 Comments-The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Credit Natalie Andrewson. Figure Out What to Do With Extra Money; 1. An investment fund is a pool of money from many individual investors professionally managed by a portfolio manager selecting the fund’s stocks, bonds and/or other securities based on the fund’s goals. The $1 you have in your pocket today is worth more than that same $1 will be worth next month or next year. Invest Your Time Wisely, - Read more Christian women spiritual life, faith, and growth. Individuals that want to build a portfolio of stocks and bonds will have a lot of research to conduct before buying these securities. Invest The Right Amounts at the Right Times Don't invest charity money just because you have it. 4 Best Investments To Make This Year. Gustavo Dolfino, a highly regarded investment banker has a few tips for you. Drive sales. Are you wondering how to succeed with personal finance? Learn more about the habits of people who save money and invest wisely. No one gets anywhere without investing time and/or money towards a better. For the current expenses, one. At a minimum: Fully charge your emergency fund. Granted, it's not always easy to save—especially if you've never been taught how to do so. Real estate investing is one of the top strategies to gain financial independence as long as you know how to invest money wisely in the industry. One of the most important factors in how much wealth you can accumulate depends on when you start investing. It is best to only invest money that you can afford to lose. Rather than leaving the money in the savings account or current account with only a poor interest rate, it is a lot better telling the bank about the transfer of money to a specific market account for a month, or even a longer period. Build a brand. Is your money lazy? Use these 6 tips to put your money to work for you and start building your Rich Life (with minimal time and effort). Don't Be Too Conservative. The goal here is to make sure the money I have invested stays ahead of the curve, ahead of the traditional investment instruments (of which you should also invest in — more on that later in a. Remember, the total amount of money must be $50, no more, no less. Most of the time, problems arise when teachers aren’t paying attention to their accounts and investments. What would be some viable options/ suggestions?. 4 Rules for Investing a Lump Sum. Check out our top tips on how to teach your primary school child about money. In the past, it was enough to work hard and save money. Starting to invest early allows your money to compound, which means interest earned gets added back to your principal. Ask most children where money comes from, and they might say, "Daddy" or "the bank. We are human, after all, and have a tendency to make spontaneous and often emotional purchases. Earn incredible returns of up to 18% over 3 years. For many employees, their employer sponsored retirement account is likely to be one of their largest sources of income during their retirement years. You can invest in one asset class or many. What they would skillfully try to do instead is to attract every individual employee to deposit their hard-earned money in the form of savings, time-deposit accounts, checking accounts or any other fancy name, invest them wisely to buy shares just like what I did, obtain that 10%-20% gain in a matter of DAYS with their trading skills, and as a. These are deeply out-of-the-money options that won't be worth anything unless there is a big crash. To invest money wisely it's important to understand two big factors that can cause you to lose money and try to prevent them from happening to you. One of the most certain ways to lose money is to invest in something you don't understand. As Warren Buffett says, "stick to your circle of skill. The internet has tons of information about investing, coupled with real-life stories of how people invested in certain ventures and reaped great rewards. Have money automatically transferred from your paycheck or bank account into a savings or investment account every single month. Women and Money – 7 Ways to Save More, Spend Less, and Invest Wisely. com! Spending money wisely has a big role if you want to save a lot from your hard-earned money, whether it is from a salary or business income, you must have the habit of saving money. Credit card rewards—such as points toward merchandise, airline miles, or access to exclusive clubs—are popular. If you're not super wealthy, here's how. Basic Saving. You’re not addicted to paying down your low-interest debt. All you really need is a little basic knowledge, some patience, and wise advice to make your investments grow steadily throughout your life. sont plus jamais revenues, dix. If inflation goes way up, interest rates will go way up and the value of "a promise of money in the future" (a bond) will go way down. 6% on investment. In my experience it's not so much a case of where to invest your money but where not to. If you need to know how to invest $500 wisely, take a look at these tips. Tags: afrinvest mutual funds, automated investments, creative ways to invest money, how to invest money and earn daily, how to invest money fast, how to invest money in a mutual fund, how to invest money in nigeria, how to invest money in your 20s, how to invest money wisely, invest money online and earn daily, investing money for beginners. A task force assembled by the US Department of Health and Human. The end goal is maximizing your life expectation, and exploring the ways to get there. 4 best ways to invest your Dh2,000 in UAE. Here are a few suggestions. Their study of the Bible also gave them the wonderful hope of everlasting life in a world free of futility and suffering. to put money, effort, time, etc. 25 ways to save money in the UAE. Through the convenience of the Systematic Investment Plan (SIP) route, now anybody with as little as. Once you've set up that reserve, you can invest the rest of your savings in a mix of stock and bond funds or ETFs. Invest only as much money as is necessary to get the yield that will balance your “needs” budget. Ways to Invest Money Wisely Investing your money into the right channels with the right proportion and yield is always difficult and exercising caution for every possible investment channel is difficult. 9 Financial Experts Share Their Best Way to Invest $10,000. 95% annually (currently the highest yield for savings accounts, according to Bankrate. #1 leading provider of personal development and self-help PLR content since 2008. Take a moment to consider these helpful tips to get you on your way to becoming a knowledgeable investor. When you choose to work with a financial advisor, you have something in common with millions of people who have turned to a professional for help in managing their money — a financial goal. Investing at least part of those funds in the stock market can be an excellent way to grow your money, but to maximize your return you need to invest your money wisely. Do not let anyone tell you that you have to invest your money or coerce you to invest. To invest small amounts of money wisely, start by opening an account to hold your investments. What is Liquidity in Stocks and Financial Instruments? Liquidity is your ability to buy or sell a stock on any given day at a given price. Investing has been an important part of culture since the inception of money, but how it occurs has dramatically changed. If you have the emergency fund, if money won't improve your career path, and if a home purchase is off the table, then you're ready to think about how to invest the money better. More specifically, what you want to do is to grow the money gradually but securely, rather than taking ridiculous chances, like trying to double your money in five years. If life is all about the balance of the many decisions that got you where you are today, it can just as easily be about the decision to invest in real estate to get you where you want to go tomorrow. How to Invest Powerball Jackpot Winnings. Investing is an excellent option because of the growth potential of the money you invest. To help get you started, here are five blue-chip tips. You’ll at least know how much you’re gaining yearly on your money. The smart way to invest your money for good returns.