<p class = "canvas-atom canvas-text Mb (1.0em) Mb (0) – sm Mt (0.8em) – sm" type = "text" content = "The first month of 2019 is over and some of these We We have not yet determined our financial resolutions for the year, so it is important to identify the areas in which you want to invest before it's too late.

In order to make your job easier, here are three investment tips that will help you in your research, in case one of your goals for the year is to improve your financial health. But before going into the details, let 's understand first the economic situation of last year and the forecasts for 2019 and the following years.

Overview of the US economy

The political and economic scenario in the United States was very unstable in 2018. So, what went wrong last year?

Let's start with the $ 1.9 trillion tax cut in December 2017, which resulted in a jump in investment in the first half of 2018. However, major incidents and growing speculation about a slowdown economic led to the disappearance of the investment boom in the third quarter.

The US-China trade war, massive data breaches and cyber-war threats have shaken various sectors, including technology, leading to a wave of institutional sales. As a result, the gains recorded by the S & P 500 and Nasdaq shares in the first half were eliminated.

However, the labor market outlook and GDP forecasts of 2.5% for 2019 point to an economy in Goldilocks this year, which is healthy.

Government policies have also resulted in a slight decline in premiums after several years of insurance in 2019.

The US Federal Reserve has raised its interest rates three times in 2018. However, in its Jan. 30 announcement, the Fed temporarily suspended its plans to continue raising interest rates for 2019. Rates, currently between 2.25% and 2.5%, should remain the same. Ditto for some time.

Despite stopping the upward trend in interest rates, banks and insurers should continue to benefit.

Tip 1: Invest in insurance

If we turn away from interest rates to improve the labor market, we can deduce that it will be able to boost sales, even with higher premiums. The unemployment rate is expected to fall to 3.5% in 2019, which should boost demand for life insurance products and annuities.

The expected decline in premiums makes this investment idea even more attractive.

In addition to getting insurance, you can also consider investing in some well-positioned insurance stocks to generate profits through underlying power and business change, by leveraging rising rates. . By investing in stocks with promising long-term earnings growth rates, such as First American Corporation FAF and Manulife Financial Corporation MFC, you will likely have a good return on your investment.

Tip 2: Invest in Rainy Day & amp; Pension fund

Hard times can happen without any warning. Speculation about an impending recession in an economy still upset last year reinforces the fact that the establishment of emergency funds and retirement savings should now be at the top of the list of priorities .

An easy way to determine how much money you have to put aside for financial emergencies is to calculate your monthly expenses, including medical, grocery, rental and other miscellaneous expenses. Multiply this number by the number of months you plan to find a new job in case of loss of employment. The result will give you the amount you need to invest in an emergency fund. Let us understand this figuratively.

Suppose you need $ 2,000 to cover all your expenses for a month. Now, given that you have the skills to find a job in six months, your total amount in an emergency fund should be six times $ 2,000, or $ 12,000. This should give you a decent margin of maneuver between the time you lose your job and re-employment.

There are some online emergency fund calculators that you can refer to.

Tip 3: Diversified Investments

After you have ensured a medical or financial emergency, now is the time to improve your financial health. There are many ways to do this, but we have two options: investing in ETFs and peer-to-peer lending.

You will probably have been warned not to put all your eggs in one basket. The two investment options mentioned above follow this rule. Let's talk first about the most common, ETFs.

ETFs, or exchange-traded funds, have gained ground in recent years. They are structured so that your money invested is divided into high-performing, sector-specific stocks ready for future growth.

Investors may want to consider the SDDR SPDR S & D Dividend ETF and the SPDR MSCI USA QUS Strategic Factors ETF, which focus on quality rather than quantity. You can also choose from several other preferred ETF funds for 2019, which are well positioned to grow.

Now, moving to the less conventional method, peer-to-peer lending can bring you big profits by offering your money in the form of loans to individuals and earning interest. There are different platforms such as Lending Club and Prosper through which you can lend your money. The risk is minimized because your money invested is broken down into small amounts and loaned to various people. However, it is advisable to choose this investment only if you have money.

Free Advice: Invest in the Health Sector of the Elderly

The resolution to better manage your finances calls for free financial advice.

According to the World Health Organization, the elderly population (60 years and over) is expected to reach 2 billion by 2050, or about 22% of the world's population.

Therefore, the need to care for patients with higher acuity in a home nursing environment should stimulate the demand for home care services. You can consider investing in the following actions.

Amedisys, Inc. AMED is a leading provider of home health care, with the vision of becoming the solution of choice for patients. The expected long-term earnings growth rate is 18.76%

All in all, there are many other ways to bring discipline to your finances. It is important to do your research and make your choices carefully, taking into account your priorities and requirements.

A simple way to create wealth

Whatever your financial goals, investing in quality stocks is an option to consider. Equities have outperformed other types of investments over the years and have generated considerable wealth for shareholders. If you are interested in stocks but are concerned about choosing the right stocks, Zacks can help you. Our research team simplifies the search for long-term purchases with long-term wealth creation potential. Starting today, you'll see our private stock selection of under $ 10, Warren Buffett value options, dividend stocks and more. Click here for your preview & gt; & gt;
& nbsp; "data-reactid =" 22 "> The first month of 2019 is over and some of us have yet to determine their financial resolutions for the year.It is important to identify areas in which you want to invest before investing, it's too late.

In order to make your job easier, here are three investment tips that will help you in your research, in case one of your goals for the year is to improve your financial health. But before going into the details, let 's understand first the economic situation of last year and the forecasts for 2019 and the following years.

Overview of the US economy

The political and economic scenario in the United States was very unstable in 2018. So, what went wrong last year?

Let's start with the $ 1.9 trillion tax cut in December 2017, which resulted in a jump in investment in the first half of 2018. However, major incidents and growing speculation about a slowdown economic led to the disappearance of the investment boom in the third quarter.

The US-China trade war, massive data breaches and cyber-war threats have shaken various sectors, including technology, leading to a wave of institutional sales. As a result, the gains recorded by the S & P 500 and Nasdaq shares in the first half were eliminated.

However, the labor market outlook and GDP forecasts of 2.5% for 2019 point to an economy in Goldilocks this year, which is healthy.

Government policies have also resulted in a slight decline in premiums after several years of insurance in 2019.

The US Federal Reserve has raised its interest rates three times in 2018. However, in its Jan. 30 announcement, the Fed temporarily suspended its plans to continue raising interest rates for 2019. Rates, currently between 2.25% and 2.5%, should remain the same. Ditto for some time.

Despite stopping the upward trend in interest rates, banks and insurers should continue to benefit.

Tip 1: Invest in insurance

If we turn away from interest rates to improve the labor market, we can deduce that it will be able to boost sales, even with higher premiums. The unemployment rate is expected to fall to 3.5% in 2019, which should boost demand for life insurance products and annuities.

The expected decline in premiums makes this investment idea even more attractive.

In addition to getting insurance, you can also consider investing in some well-positioned insurance stocks to generate profits through underlying power and business change, by leveraging rising rates. . By investing in stocks with promising long-term earnings growth rates, such as First American Corporation FAF and Manulife Financial Corporation MFC, you will likely have a good return on your investment.

Tip 2: Invest in Rainy Day and Pension Fund

Hard times can happen without any warning. Speculation about an impending recession in an economy still upset last year reinforces the fact that the establishment of emergency funds and retirement savings should now be at the top of the list of priorities .

An easy way to determine how much money you have to put aside for financial emergencies is to calculate your monthly expenses, including medical, grocery, rental and other miscellaneous expenses. Multiply this number by the number of months you plan to find a new job in case of loss of employment. The result will give you the amount you need to invest in an emergency fund. Let us understand this figuratively.

Suppose you need $ 2,000 to cover all your expenses for a month. Now, given that you have the skills to find a job in six months, your total amount in an emergency fund should be six times $ 2,000, or $ 12,000. This should give you a decent margin of maneuver between the time you lose your job and re-employment.

There are some online emergency fund calculators that you can refer to.

Tip 3: Diversified Investments

After you have ensured a medical or financial emergency, now is the time to improve your financial health. There are many ways to do this, but we have two options: investing in ETFs and peer-to-peer lending.

You will probably have been warned not to put all your eggs in one basket. The two investment options mentioned above follow this rule. Let's talk first about the most common, ETFs.

ETFs, or exchange-traded funds, have gained ground in recent years. They are structured so that your money invested is divided into high-performing, sector-specific stocks ready for future growth.

Investors may want to consider the SPDR S & P SPY SDY SDR ETF and the SPDR MSCI USA QUS SPDR Factors, which focus on quality over quantity. You can also choose from several other preferred ETF funds for 2019, which are well positioned to grow.

Now, moving to the less conventional method, peer-to-peer lending can bring you big profits by offering your money in the form of loans to individuals and earning interest. There are different platforms such as Lending Club and Prosper through which you can lend your money. The risk is minimized because your money invested is broken down into small amounts and loaned to various people. However, it is advisable to choose this investment only if you have money.

Free Advice: Invest in the Health Sector of the Elderly

The resolution to better manage your finances calls for free financial advice.

According to the World Health Organization, the elderly population (60 years and over) is expected to reach 2 billion by 2050, or about 22% of the world's population.

Therefore, the need to care for patients with higher acuity in a home nursing environment should stimulate the demand for home care services. You can consider investing in the following actions.

Amedisys, Inc. AMED is a leading provider of home health care, with the vision of becoming the solution of choice for patients. The expected long-term earnings growth rate is 18.76%

All in all, there are many other ways to bring discipline to your finances. It is important to do your research and make your choices carefully, taking into account your priorities and requirements.

A simple way to create wealth

Whatever your financial goals, investing in quality stocks is an option to consider. Equities have outperformed other types of investments over the years and have generated considerable wealth for shareholders. If you are interested in stocks but are concerned about choosing the right stocks, Zacks can help you. Our research team simplifies the search for long-term purchases with long-term wealth creation potential. Starting today, you'll see our private stock selection of under $ 10, Warren Buffett value options, dividend stocks and more. Click here for your overview >>

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