Do you have some cash and you want to multiply it as much as you can? Why not, if there were a safe and effective way?

If you already have a working plan for your budgeting, debt reduction and savings, it could be time for you to look for a good investment option. According to Allan Small, DWM Securities senior investment and counselor, many individuals get overwhelmed on their first investment venture although he believes it is not really overwhelming.

Coming from an investor, that may be an expected comment; however, Small offers five tips for novice investors can benefit from:

1. Do it now! It is never too early for anyone to start investing , advises Small. With your first job’s salary, you can begin to save a certain amount you can spare, say $20 each month, into an investment. A long-term investment will bring more returns for an individual, in spite of the market dips along the way. Nevertheless, if you begin investing at age 23 up to 33, a ten-year period, you gain more than if you start at 33 up to 53, a twenty-year period, since the compounding interest rates will favor the former over the latter.

2. Consult with an expert. Know the alternatives open to you. Seek a trusted investment counselor at your bank or investment house to find out if it is advisable to open a tax-free savings account (TFSA) or to invest in a registered retirement savings plan (RRSP). With the well-informed knowledge about all kinds of accounts and the advantages and disadvantages of each, your decisions will have greater weight and chances of helping you attain success.

3. Begin with what you understand. The simplest way to buy stocks is to choose a business that is familiar to you and one that you understand. If you are a tea or coffee drinker, buy Starbucks shares. Small adds, “To train yourself to swim in shallow waters, you may also want to buy Apple shares if you own and use an iPhone or iPad, which is a good strategy.” However, Small advises a novice investor to also consider more serious investing. If you are in your early 30s and you want to purchase a home, invest in long-term assets with that specific goal as your focus.

4. Invest in various stocks. For young investors, mutual funds and exchange-traded funds can bring the needed practice and confidence into building up a diversified portfolio of their own. Mutual funds, as Small describes it, is cornucopia of investments. Anyone can assign a certain amount of money into it. On the average, a mutual fund basket may contain $500-million or $1-billion. A mutual fund manager has the responsibility to invest that bunch of money he or she deems profitable.

On the other hand, Small describes an ETF as a similar instrument with a slight difference. Much of it is not under the complete control of a manager. For instance, if you buy an ETF which follows the Toronto Stock Exchange, you actually own all of the various stocks on the Toronto Stock Exchange through that ETF.

5. Be a free agent for yourself. If your bank houses a discount broker’s division, set up your own account and do that trading yourself. Doing so, you have no access to professional advice as to what to invest in . Hence, you have to do your own analysis and make your own decisions.

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Balancing your financial plan

Titus Maccius Plautus, a Roman comic playwright, once gave valuable advice also applicable to investors: “In all things, the middle course is the best: All things in excess bring trouble to men.” Long-term investment, likewise, requires balance. Time brings about many changes in people’s needs; what may have been useful schemes or strategies last year may no longer be so today. Experts will help us find out keep the sound and durable strategies we can use for a lifetime.

Invest in something you comprehend

For long-term investment, it is best to be aware of the matters that count. You simply cannot come in as if you are playing a game of chance in the casino. Thomas Sudyka, Jr., president of Lawson Kroeker Investment Management in Omaha, Nebraska says, “Ignorance in the business you are investing in will cause you to overlook vital information that will allow you to make meaningful and relevant decisions.”

Start investing as early as you can

Money kept on long-term basis in investments brings greater benefits than that which is kept on short-term basis. Colton Dillon of the Acoma online investment website says, “Sticking to an investment on a long-term basis gives better results and financial success to investors.” For instance, investing $1,000 from age 20 to 30 and quitting will bring greater returns than investing $1,000 yearly starting at age 30 for 35 years. At 7% annualized returns, the former will receive $168,515 at 65 against the latter’s only $147,914.

Include 401(K) match in your options

Did you know that some people miss the opportunity to use free money to build future wealth? According to the US Bureau of Labor Statistics, 30% of US employees do not avail of the employer match in their 401(K). Advises Kevin Meehan, regional president for Chicago at Wealth Management Group, “Be sure to contribute as much as you can under the employer matching contribution; or you end up leaving that free money on the table.”

Always keep a sound cash-flow management

Jesse Mackey, chief investment officer at 4Thought Financial Group at Syosset, New York, says that no other “element in investment planning and portfolio management is as essential” as cash-flow management. The key is simple but vital: Invest automatically during your working years, monthly at least. He adds that investors, who do this, while keeping eyes on how needs change through the years, will have a 90% chance of achieving their personal goals.

Keep emotions from your goals

It is never wise to treat investment potentials as if they were sports because it will lead to problems. Kenneth Hoffman, managing director and partner at High Tower’s HSW Advisors in New York City, says, “Keeping your emotions separate from your goal of owning assets will allow for better general decision-making and performance. Being more open-minded and being unfettered by emotional attachments will lead to investing in more undervalued assets.”

Shift from discretionary spending to investing

People who delay investing for years usually confuse needs with wants. Such expenses as cellphone bills, cable TV plans and various promotional offers tend to become essential and the closet-investor remains trapped in, according to Stig Nybo, president of US retirement strategy for Transamerica Solutions in San Francisco. He adds, “Investing takes discretionary income; and discretionary income requires discipline. Give up those things that have become staple in your life but unnecessary.”

Stash away investments and cash reserves in separate boxes

It is difficult to resist the temptation of using investment money at the wrong time, according to Harold Evensky, Texas Tech University professor in the practice in personal financial planning. He advises to balance the funds you will need for the coming 3 to 5 years (the average economic life cycle) between a money market account and a high-quality short-term bonds; and you will not need to lose an investment. Even in the event of a crash, you will have the cash you need.

Focus on stocks

Stocks are one the best ways to create wealth, according to Zach Shepard, vice-president for Matson Money in Phoenix. He adds that investors use stocks to allow them to fight inflation and to enhance their portfolio. In spite of the market’s underperformance in the 60’s and 70’s, Standard and Poor’s 500 index has averaged a return of 7.5% on 20-year periods since 1926.

Diversify to prepare for the rough times

Many sad stories are told about investors who stuck to only one stock or asset, according to Jimmy Lee, Wealth Consulting Group’s founder and CEO in Las Vegas. He adds that diversifying over various types of stocks as well as within classes of assets is the best investment strategy. He gives as a good example equities which come in different types in terms of market capitalization, foreign or US or growth vis-à-vis value. In a declining market, diversification may not assure one of growth or loss protection; but it provides a smoother journey for investors.

Adjust when necessary but never panic

In general, portfolios requires small adjustments over time rather than complete reworking, which most investors resort to when the market slumps. Dave Rowan, founder and president of Rowan Financial LLC in Bethlehem, Pennsylvania, describes investing as a sustained endeavor and not a game in sports which require adjustments every single moment. Rather than timing the market and acting wildly, make small and seldom tweaks only when necessary.

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The road map to financial success

Investment planning is a continually changing undertaking; hence, an innovative approach is necessary, one which provides flexibility and room for maneuvering according to a client’s portfolio, current or in the future. This is essential in bringing back our clients’ financial security on-stream.

Wealth Strategy Analysis is a vital resource tool that we at Hawkfield Consultants provide our premium customers. This resource analyzes a plethora of possible scenarios in a client’s portfolio to project the influence of changing attributes, including taxation and cash-flow dynamics. It provides exceptionally precise indications, proven against real-time conditions so we can ascertain controlled results and accurately predict prospective effects.

This allows us to simulate the possible bigger picture in order to derive a realistic insight into the minutest aspects affecting an individual client’s requirements. Having a clear perspective of potential results of a decision renders us a greater advantage over other investment firms which deliver only historical evaluation investment products. Our future-looking approach and tested foresight help our clients and their personal Investment Councilors attain particular goals spot on.

Our Wealth Strategy Analysis is merely one among several resources we include in the total planning approach for our customers at Hawkfield Consultants. Other important tools at the disposal of our Investment Counselors include the following:
We provide our clients a clear perspective of their investments in one concise document
We possess the flexibility to simulate specific factors in the market dynamics to give you a view of your assets’ performance
We make proper asset selections based on your personal goals and your capability
You can retain or release certain stock positions based on our exert advice and financial tools
You receive regular reports and evaluations to update yourself on your portfolio’s maximum potential, according to your requirements and goals

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Making your financial dreams a concrete reality

For us to come up with a detailed approach, we always consider the quality of investment ideas that will have the highest potential to become productive. Hawkfield Consultants specializes on this kind of study and research. Our committed group of Wealth Planning Advisors will collaborate with your Personal Investment Councilor to assess and develop a customized plan to satisfy your unique needs.

First of all, your present financial status is evaluated and all pertinent factors and obstacles are closely considered. This provides our analysts a complete picture of your financial health and how they can administer your assets using a workable plan, ensuring you maximum safety while still enhancing your investments through an optimized rate and achieve your expectations when you need them.

As the process proceeds, you can evaluate the progress and provide feedback on possible options you currently have directly with your Personal Investment Councilor & Wealth Planning Advisor.

This proven exclusive approach can address your needs and goals continually, turning your dreams into palpable financial realities.

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A Unique Investment Strategy

A unique investment strategy designed especially to address your needs

No two individuals or clients have the same needs or lifestyles. Hence, in terms of managing their individual finances and investments, the one true approach to always achieving the desired results is to come up with a personalized plan.

First things first: We decide how the client’s assets will be allocated. Having the right mix of stocks, cash and bonds is essential in the total success of a portfolio. Every asset is measured on its primary attributes, classified as risk potentials and income prospects. The procedure for choosing which investments to include and, thereby, gain perfect balance for any client is a long and difficult undertaking. Hawkfield Consultants will ascertain that all steps will be taken to deliver the right approach for each and every client.

Moreover, every strategy is developed meticulously from the start on a tiered manner in order to build on what lies underneath each step. And so, we assure you that the plan stands on solid bedrock – to wit, investments that provide the least amount of risk while providing a proper level of liquidity to satisfy short-term requirements. Layers above that comprise the central body of the portfolio, satisfying long-term productivity and reliable income sources to meet our client’s financial goals.

Regular evaluations, data analysis reports and innovative assessments help to maintain a balanced portfolio in site of any negative effects and obstacles down the road, whether in the market conditions or in our client’s individual lives.

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Upon entering into a business relationship with Hawkfield Consultants, a Personal Investment Counselor will be assigned to you. The Counselor closely works with you to comprehend your personal needs, evaluate your present financial condition and design a customized strategy to attain your investment objectives.


Our Investment Counselors are confined to the number of customers they can supervise at any given moment. This assures every client under their care will receive personalized service that is not affected by burdening them with too many responsibilities.

The entire resources and financial services of Hawkfield Consultants remain available for our Investment Councilor’s use. Our customers significantly gain advantage in possessing such a vast store of resources, much of which is developed exclusively for our organization.

Hawkfield Consultants ascribe to the idea that working with professional portfolio managers who make up the cream in the industry provides our clients the undivided attention while their assets are afforded the best care they deserve.

Your Personal Investment Councilor commits to deliver a stable fiduciary strategy to their clients when the business relationship commences. They stand ready to serve on a 24/7-basis to assure you receive the best service you deserve and, consequently, you obtain pertinent information that will improve your portfolio’s potentials or restrict possible risks.

A Unique Investment Plan

Realizing Your Dream

The Steps to Success

A perfect plan requires timely implementation in order to achieve the right results. A properly designed approach begins with fully comprehending the following points:

Your present conditions – financial and investment
How you envision the success of your business
Your future investment objectives and income potentials
Trust and estate-planning
Your philanthropic plans
Your present taxation picture
Funding needs for education
Factors that affect your single stock options you hold
Wealth-transfer strategy

These essential points serve as the foundation for a financial strategy we will work out for you. The road to financial stability and prosperity for many years and to future generations begins here.

Get in touch with our Personal Investment Councilor to begin your journey to security now.

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Every Drop of Research Matters

Our proprietary research is the foundation of our approach

Hawkfield Consultants engages a committed group of veteran analysts who are strategically placed in vital global regions and capitals. They constantly seek growing firms and instruments in their particular area and disseminating this information back to our main office.

Hawkfield Consultants pay no mind to reports based on speculations, nor do we entertain Wall Street papers or mainstream ideas; instead, we employ our extensive track-record and prudence together with our in-house research to which no third party can have access. Our well-researched information is safeguarded in the company’s secure files and comprises our best asset over any other company in the present market. This resource is made available only to our analysts and our clients.

In the present economic environment, investments are without boundaries. Hawkfield Consultants are fully aware of this. Hawkfield Consultants not only subscribe to this; we operate within this reality and observe it daily.

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The power of ideas and diversity

Hawkfield Consultants takes a special approach refined over many years to attain the finest investment principles and insights from our entire team of associates. Hence, the results come in the form of a solid portfolio which contains a varied combination of products appropriate for assorted- market conditions.

This approach is a well-balanced strategy to the process choosing investments, perfectly joining together the various capabilities of independent evaluation and solid teamwork within our organization’s structure.

Hawkfield Consultants attain this by classifying a portfolio into several parts. Every definite part is, therefore, supervised by a manager who employs professional and exceptional scrutiny to derive the highest possible principles suitable for an individual client founded on his or her personal standards and goals.

All the way through the list, parts of the portfolio are combined by your Personal Investment Counselor and the assessments and decisions are provided to enlighten the client on why they have been chosen and how the entire portfolio balances to highlight the expectations of the client.

As you can see, the whole combined rare approach involves our greatest asset as an organization – our professional team of extensive capability -- which assures the highest potential for success for our customer’s portfolio. Our success proves that over and over again this method delivers the expected returns promptly. Furthermore, challenges are addressed as the come, both in the markets and in our client’s individual lives.

The advantages of our process:

A customized portfolio that combines the best ideas of our whole team of exerts advisers
Diversification to investment insights which cannot be found anywhere else
A proven and effective method that promises and fulfills on goals and sustains consistency
A holistic strategy to selecting new prospective investments and elucidating them before everyone concerned

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