Dreikoenigstrasse, Zurich -- (SBWIRE) -- 04/27/2011 -- As a Dynamic Wealth Management client, your portfolio will be structured using the disciplines of asset allocation, risk tolerance, and thorough understanding of your goals and objectives.

We believe in the appropriate allocation of fixed income, equity, international stocks and bonds, hedge funds, and alternative investments.

Equities
Dynamic Wealth Management offers a variety of tools that can help determine which individual stocks are appropriate for your equity portfolio objectives. Our equity disciplines are style specific and can be crafted to meet customized client objectives and fulfill a defined asset allocation strategy.

At the Dynamic Wealth Management Zurich, Switzerland, we realize that no two clients are the same. Every client has different financial needs, goals, and plans. For this reason, the DWM offers a wide array of investment options to suit every client. We tailor your investment strategy to be as individual as you are.

In all cases, a Dynamic Wealth Management Portfolio Manager will recommend a portfolio strategy that reflects your tax situation, other assets you may already own, risk tolerance, particular family needs and constraints, and preferences you specify. Several equity models are designed to assist investors in achieving the proper asset allocation when investing in equities. In addition, customized equity portfolio analysis is available for our private preferred clients.

Mutual Funds
Dynamic Wealth Management has selling arrangements with a large number of mutual fund companies. Many of these mutual fund companies are leaders in the industry and offer expertise in different investment categories.

Unit Investment Trusts www.dynamicwmanagement.com
We offer one of the widest selections of Unit Investment Trusts available, including equity, municipal and taxable fixed income trusts. Dynamic Wealth Management creates sector trusts of companies based on work of our global research analysts.

Managed Accounts
If you are looking for the advantages that a professional money manager can offer, Dynamic Wealth Management provides a broad range of fee-based money management programs.

Fixed Income
Looking to add a fixed income component to your portfolio? Dynamic Wealth Management can provide access to a broad selection of fixed income securities to choose from, including CDs, deposit notes, corporate bonds and preferred securities. The results in diversified investments that seek to maximize total return while generating income and safeguarding your assets. Securities in your portfolio are monitored closely and sold when they fall below the strict requirements that you've set or no longer meet your investment needs. The process is designed to increase total returns while managing overall risk.

Trust Planning
Whether you are concerned about paying for your children's education, planning for your own retirement or exercising employee stock, you need a financial plan that works for you. Working together with your Financial Advisor, we can help you structure a plan designed to meet your circumstances and help you choose which investments are best suited to you and your plan. It is of paramount importance to properly structure and regularly review your estate plan to be sure it addresses your family's needs.

Dynamic Wealth Management Zurich, Switzerland has the unique capability to fully master the heart of the international business and finance center, enabling us to deliver powerful solutions from our investment platform both to fulfill individual investment needs and to support the aspirations of our business partners. http://www.dynamicwmanagement.com

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Dreikoenigstrasse, Zurich -- (SBWIRE) -- 04/27/2011 -- Nudged by the government and buffeted by the demographic reality of retirees often living into their 90's, corporations have been rapidly offloading the responsibility for retirement income to their employees. Fortunately, many different financial vehicles now exist to help investors meet their own retirement needs. New products seem to emerge each month; some are marketing gimmicks while others may be valuable financial tools.

At the Dynamic Wealth Management, we realize that no two clients are the same. Every client has different financial needs, goals, and plans. For this reason, the DWM offers a wide array of investment options to suit every client. We tailor your investment strategy to be as individual as you are.

At Dynamic Wealth Management Zurich, Switzerland, we have adopted a process that relies heavily on client input and participation in all phases of the retirement planning process. Although it is a systematic approach, it is also tailored to each client's requirements. Through a series of planned steps, we work with each client to define major life goals, prioritize them and test them under various market scenarios. We then build to a recommendation based upon ideal vs. acceptable goals and risk tolerance. Many retirement programs stop here. Ours continues to full implementation of the plan and periodic monitoring of its progress. Finally, we stay mindful of new goals or priorities that may cause alterations of the original program.

We believe that retirement planning must be an ongoing process, not a glossy report that sits on a bookshelf. Only in this way can we provide the best likelihood of providing a retirement that is as free as possible from needless financial concerns. http://www.dynamicwmanagement.com

Our group has the unique capability to fully master the heart of the international business and finance center, enabling us to deliver powerful solutions from our investment platform both to fulfill individual investment needs and to support the aspirations of our business partners. http:/www.dynamicwmanagement.com

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Dreikoenigstrasse, Zurich -- (SBWIRE) -- 04/18/2011 -- Entry to totally free monetary information, by means of sequence of 3 seminars, devoted to different economic matters is made available on the community by St. Joseph Catholic Church Libertyville.

Michael Knight, a speaker from the seminar said, "These are extremely challenging occasions and it is actually crucial for persons to pay out extra attention."

Knight is actually a certified economical planner who founded the Knight Investment Preparation and in addition a member with the Garrett Setting up Network, a international association providing personal assistance to people, what ever their cash flow is.

In accordance to Knight, they wish to give goal views to the local community and deliver practical facts while in a time of financial instability and uncertainty.

The claimed seminars started off five a long time ago. And Knight, a member of St. Joseph's Finance Committee says that with the start off of just about every seminar, he asks the participants what issues issue quite possibly the most and focuses mostly on those subjects (no matter whether it's avoiding foreclosure or credit score scores).

Starting up with objectives will make all the big difference, says Knight. "We need powerful, apparent and substantial daily life goals which truly drive the economic system, forming the dreaded price range."

According to him, it is essential to have an honest conversation.

Knight says, "We reside in abundance exactly where you'll need to choose on your own priorities - cash is limited."

He explains that since personal finance is an considerable topic and every person's circumstance is different, it is not achievable to offer just about every participant a particular approach.
Knight says his emphasis in every single in the seminars is about the piece the place most people really should set three monetary aims and function through the process to discover how they could attain those.

One simple suggestion he provides many clientele is when you're offered a wage raise, enhance your retirement cost savings contribution instead of your costs.

According to Knight, we frequently overlook longevity. Everybody is anxious regarding the unstable market place, but sometimes the big possibility is simply not the a person which is evident. He adds that we have to think about the long-term effects of safeguarding our getting energy as well as the effects of inflation.

Financial debt, shelling out and credit score will all be tackled inside 1st seminar.

You may need to consult on your own what owe, who you owe it to and what it costs. Then by applying a debt management program, you will be taking steps towards your aim of economic independence.

Essentials of investment is a second seminar's subject whilst the 3rd will concentrate on retirement planning.

The seminar starts at 9:00 am scheduled on April two, 6 and May seven at the St. Joseph Formation Middle on Milwaukee Ave.

"My message is generally a hopeful one particular. We tend to struggle and do issues alone mainly because we're thinking no one else is heading by way of it - however the fact is usually that everybody is," Knight mentioned.

Dynamic Wealth Management Zurich, Switzerland is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors.

For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 04/18/2011 -- By investing funds offshore of one's home country, there is an immediate benefit of protection against the troubles of the country's market or currency. Offshore investing can take many forms. Alternative investment vehicles often include a component of offshore investments, such as offshore real estate, or offshore farm land and agricultural production, or even offshore gold and silver storage.

Advantages of Offshore Investments as Alternative Investment Vehicles
Offshore investing once was for the ultra-wealthy, those sporting net worth's well North of $10 million. Now almost anyone can move funds into the more exciting and potentially profitable world of offshore investments. Knowledge of how to enjoy the advantages of offshore investing is much more expensive and rare than with standard home country investing however.

As an alternative investment, moving funds out of your country of origin has largely been a winning trade for the past decade when calculated with currency fluctuations. China, Brazil, and India have all offered higher returns during bulls markets then the U.S. stock indexes over the past decade for instance. While these markets can be played with ETF's, there are several key shares that must be purchased using offshore investing houses.

Some of the key advantages of offshore investing within an alternative investment framework include: higher potential returns than the domestic market, much broader range of stocks to choose from, often better pricing than domestic ETF's, early availability of smaller capitalized issues, protection against single market dependence in real estate, stocks, weather effects, political effects, and currency devaluations.

Much like domestic investing, offshore money management can steer towards main line investing in big projects or companies, or more towards alternatives to the main companies. While the risk can be greater with alternative investments, the rewards can be significantly higher and come much faster with a systematic approach to evaluating alternative investing ideas within an offshore portfolio.

Here are 6 ideas for moving funds offshore and potentially enjoying high alternative investment returns: offshore direct company investment, offshore private placements, offshore currency investment (FOREX), offshore fund investment, offshore gold and silver storage, offshore investment account denominated in a local currency, such as USA Dollar, Australian Dollar, Singapore Dollar, or GBP Pound.

These 6 offshore options for investing, can broaden a portfolio. Instead of only being dependent on major stock indexes, the above investments offer security against single market dynamics. Not only is there potential for higher returns, but potential for avoiding massive loses if all of your investments are based on one market and are susceptible to political, economic or natural disasters.

Dynamic Wealth Management Zurich, Switzerland is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors.

For more information go to http://www.dynamicwmanagement.com.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Zurich, Switzerland -- (SBWIRE) -- 04/08/2011 -- Most early- and mid-career workers see retirement as being far off in the distance. While retirees spend their days relaxing under swaying palms and contemplating how thankful they are to be out of the rat race for good, the reality is quite different. Today, people are retiring later and finding the need to save more money to live comfortably after retirement. No two ways about it, the longer people wait to retire, the more comfortable their lives will be.

How Much Money Does a Person Need to Retire?
How much money a person needs for retirement depends on a variety of factors including desired lifestyle, location, retirement age, anticipated social security payments, and perhaps even medical needs. While some experts predict a person may need anywhere between $850,000-$1.5 million to retire comfortably, the amount is different for everyone all over the globe.

In order to determine exactly how much a person needs for retirement, numerous retirement planning and financial websites feature retirement calculators. Using a retirement calculator, the person enters information including desired retirement age, expected social security payments, current age, current annual income, and life expectancy. The results show the total amount of money needed to retire comfortably factoring in inflation.

The Bottom Line on How Much Money is Needed for Retirement
Bottom line, people should begin saving for retirement as soon as possible, preferably in their 20's.

The age of retirement varies; but if the person waits until age 70 to retire, he or she will enjoy a comfortable retirement. The amount of money needed for retirement depends on a variety of factors and is different for everyone. But with careful retirement planning and the use of a retirement calculator, people can live out their Golden Years more comfortably.

Dynamic Wealth Management Zurich, Switzerland is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 04/04/2011 -- Foreign markets are often referred to as emerging markets if anything, but the European market is included. Foreign stock markets have been offering larger returns than the U.S. stock market for most of this decade, partly because they start out at a lower base.

Investors exposed to foreign market growth potential of the emerging countries, can hop on the high-return gravy train, so long as they avoid the ride off the cliff that has happened frequently with emerging market stocks.

Foreign Markets Include BRIC and Feeder Countries
Some of the foreign emerging market countries include Brazil Russia, India, China, Vietnam, Taiwan, Israel, and even New Zealand and Australia can be included. Part of the attraction of several of these countries is that their overall market value is significantly lower than the US market value. For example: trading a five dollar stock can offer larger percentage returns based on a given capital investment than a $50 stock because of the nature of larger numbers versus smaller numbers.

Smaller numbers can increase more rapidly on a percentage basis than larger numbers with a given level of investment. This fact alone allows emerging markets to offer larger percentage returns. For example, the entire US stock market is valued over $21 trillion, where China's entire stock market is valued at approximately $1.6 trillion. For a $21 trillion market to double in value to $42 trillion is a significantly more difficult feat than a $1.6 trillion market doubling to $3.2 trillion.

Foreign Emerging Markets with Manufacturing and Agricultural Power
Meanwhile the emerging countries all have significant agricultural production as well as growing manufacturing production. The level of absolute production is not as critical as the growth rate of the production of various industries, both agricultural and manufacturing; because stock markets in a foreign market or an emerging market are a future predicting device.

Foreign emerging markets offer significant profit potential in the stock arena because their populations are growing, often at a rate double or triple of the developed Western world, with the exception of Russia, also because they are manufacturing and growing agriculturally. Brazil, for example, has become one of the leading producers of cotton, corn, and soy even displacing the U.S. in some markets.

One of the challenges of investing in emerging markets or foreign markets is that these markets have significantly higher market volatility or risk. One method mitigating this risk is to employ 15% stop loss, in all market investments. With this stop loss used for foreign market investing the tremendous profit potential can be enjoyed while limiting the eventual crashes that afflict foreign emerging markets frequently. Additionally, currency losses used to be a common problem with foreign market investing. The dollar for instance has been sliding against most currencies, the value of the foreign currency has added to the returns on foreign market investing. Ultimately, depending on which markets you are investing, with currency fluctuations it is possible to make money both on the investment and on the conversion back to your own currency.

Dynamic Wealth Management Zurich, Switzerland is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors.

For more information go to http://www.dynamicwmanagement.com.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 04/04/2011 -- Consider Many Retirement Investment Options and Diversify Portfolio.
There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.

The Best Approach to Retirement Investing
Expert Tips for Retirement Investing - Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal.

Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.

Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.

Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.

Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.

Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income: Annuities – An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment; GICs – GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed; Stocks, Bonds, and Mutual Funds – While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow – or may, possibly, shrink. The riskier the investment, the greater the potential earning. It's wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment; and Home Equity – Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.

The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.

Dynamic Wealth Management Zurich, Switzerland is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors.

For more information go to http://www.dynamicwmanagement.com.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 02/14/2011 -- Dynamic Wealth Management is a market leader in Financial Services. Here is a guide to Initial Public Offerings (IPO's) designed to take the jargon and fear out of the myth that IPO's are higher risk than ordinary investments.

IPOs or Initial Public Offers are means by which a company can raise debt free capital through sharing the ownership and profits.

There have been many companies opting for the IPO route over the last two decades. There have also been many big success stories with people making decent profits through these investment tools. However, there are always some items to consider when investing in an IPO that can reduce the risk in this.

IPO Basics
As the company starts growing, there is a time when it needs huge capital to take it to the next level of growth. Some companies decide to raise debt to get this capital; others opt for profit sharing without adding to the debt. The second option is the IPO route. In effect, when you invest in an IPO your are opting for part of its profits and losses too! So you need to be very selective on which companies you want invest in.

Studying the Company

A good starting point for your IPO analysis is to look at the IPO prospectus, and the financial reports of the company for as many years as possible. One thing that every company must publish is its total debt and total asset value. As long as the asset value is more than the debt, you know that enterprise can pay off its debts so it would survive. Also look at the difference in the assets value and debt which in effect is like the company value. Check what is the effective company value based on the IPO price and number of shares. If the IPO price is less than this value you are in for good profits on listing.

Besides value, another good indicator is the company growth seen in the profits it has made over the past few years. Sometimes the enterprise is new so its current value is less, but a strong growth pattern would be that its value is going to increase in future so it is a good longer term investment.

Third important thing to look at is whether the company is stuck in some legal tangles. Typically, if the verdict goes against it, it would affect its finances and more importantly the stock price in the market. You could lose lot of money, in that case. So study these aspects well before investing.

Lastly, analyze its market standing among the peers. If you use its products, you know it is a good company and you can invest with lesser risk. But if it is an unheard commodity, you need to be cautious.

Besides these points, other items that could affect the IPO price on listing are market sentiments, the economic outlook, general industry news, etc. These are so dynamic that they cannot be used a guidelines, and you need to go with the market flow.

In short, investing in an IPO in can be risky, but with careful analysis you can reduce the risk. For this there are some items to consider when investing in an IPO. As long as you do your homework, the risks are limited.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 02/04/2011 -- Many newcomers to equity investment are nervous about investing in individual firms – and with good reason. Putting all your money into a few stocks is a high-risk strategy, especially for the inexperienced, because it leaves you vulnerable to sharp fluctuations in the share price of the individual stocks you pick, not the markets in which they trade. If you get it right and pick winners, great. But if you pick a couple of big losers, your whole portfolio will be scuppered. Collective or 'pooled' investments can diversify your holdings and therefore reduce that risk.

Dynamic Wealth Management - Why pooled funds?

Unit trusts, open-ended investment companies (Oeics, pronounced 'oiks') and investment trusts are all vehicles that let you pool your money with lots of other 'retail' – or small – investors. (In the US, this kind of investment is known as a 'mutual fund'.) The pooled money is then invested on your behalf in a wide range of different equities by specialist fund managers. (There are also funds that invest in bonds or other assets, such as commercial property or commodities.) The fund manager takes a fee to run the fund and research what stocks to buy.

If they get it right, it means you get access to a highly diversified range of stocks at a reasonable cost. It also gives you easy access to asset classes and international markets that would otherwise be difficult and/or expensive to invest in. For example, specialist funds are available that invest only in Japan, or Latin America, or only in technology firms, and so on. Also, different funds are designed to meet different investment objectives and there's a wide range to choose from. Some aim for income, some for capital growth, and some for a balance of the two.

Dynamic Wealth Management - Unit trusts and Oeics
Until recently, unit trusts were the main kind of collective retail investment in the UK. With a unit trust, you buy a fixed number of units in a fund, which then rise and fall according to the value of the underlying assets the trust invests in. Over the past few years, many fund managers have converted their unit trusts into Oeics in the belief that investors find them simpler to understand.

From the point of view of the investor, Oeics are more or less the same as unit trusts; they are 'open-ended' in the sense that (like unit trusts) the fund's size expands and contracts depending on investor demand. The big difference is that Oeics have only one price (as opposed to the dual bid/offer pricing of unit trusts).

Dynamic Wealth Management - Investment trusts
Like Oeics, investment trusts are firms whose business is to invest in the shares of other companies. But unlike unit trusts and Oeics, investment trusts are 'closed-ended': there are a fixed number of shares in issue, which are traded on the stock exchange.

The purpose of an investment trust is, broadly speaking, the same as an Oeic – to give smaller investors cheap access to a wide range of shares. But they are structured rather differently.

The fact that investment trust shares are traded on the open market (the London Stock Exchange) means the share price is determined not just by the value of the trust's underlying assets, but by current market demand for its shares. Sometimes, if an investment trust is popular, it will trade at a premium to its net asset value (NAV). Other times, it will be trading at a discount.

Investment trusts can borrow money (called "gearing"), often up to 10%-15% of the value of assets and use it to invest in the markets. This is great if the markets go up, but of course the funds losses escalate if they fall.

The final significant difference is that investment trusts are cheaper to buy than unit trusts or Oeics. Actively managed unit trusts have upfront fees of anything up to 5%-6% of the investment, plus an annual management fee of around 1.5%. By contrast, charges on investment trusts are typically less than 1%.

Passive or active?
One way of minimising the cost is to go for an index-tracking fund. These funds aim to match or 'track' the performance of a given market index, such as the FTSE All-Share or the FTSE 100. They do this using computer programs to work out how much of each individual stock they need to buy and sell to mimic the performance of the index as a whole.

That's much cheaper than employing lots of expensive 'experts' and researchers, so index-trackers are much cheaper than 'actively-managed' funds. Index-trackers might seem like a safety-first option, but there's a great deal of research evidence to suggest that they outperform most actively managed funds over the long-run because their charges are so low (typically 0.5%, or even less).

Another good 'passive' form of pooled investment is the exchange-traded fund (ETF). These work like index-trackers, in that they target a particular market or sector index, but are traded as shares, allowing for cheap and highly flexible investment.

Want to know more?

Contact Dynamic Wealth Management.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 01/28/2011 -- Dynamic Wealth Management is a market leader in Financial Services. Here is a guide to Initial Public Offerings (IPO's) designed to take the jargon and fear out of the myth that IPO's are higher risk than ordinary investments.

Taking a privately held company public is done via an IPO (Initial Public Offering). It wouldn't be an overstatement to say that an IPO is one of the important events in a company's timeline. The company issues a specific number of share certificates at a stated price. Each shareholder then becomes part owner of the company, and each share can be bought or sold on the stock market where the company is listed.

It is an extremely complicated process with a maze of regulatory and compliance requirements. But the benefits, in terms of finance, are just as high. A successful and well-subscribed IPO can instantly turn a small regional company into an international corporate heavyweight.

The biggest benefit of an IPO is obviously the massive infusion of capital for financing ongoing operations and planned expansion of the business. It improves the company's liquidity position and helps reduce debt. There is also a big uptick in brand recognition and trust in the company's products and services.

To begin with, a registration statement is filed with the SEC along with a prospectus for the IPO. This details everything an investor would like to know about the company and its future plans. This is where the underwriters come into the picture.

The underwriters will not only assist with the filing requirements, but also the change in the company's structure. This means they assist in the transition from a private run enterprise to a public company with a board and stockholders. But their main job is to help decide the specifics of the IPO – the pricing, the number of shares and the market.

Once the IPO goes through, the company has certain new responsibilities. This includes making public the quarterly financial results, filing statements with the SEC for anything major that impacts the company and its operations, and the AGM. At the stockholders' meeting, important issues are discussed and voted upon, including the composition of the Board and the top-level management. This is one reason why many companies hire new mangers after an IPO, to deal with issues specific to public companies.

The success of a public offering largely depends on the growth potential of the company and its sector, and whether or not the business has sound basics and a revenue model. But many IPO's have failed inspite of having all this. It may be because they didn't choose the right market or the right price, or chose the wrong time to go public.

As an example, consider Canada, where an IPO won't be able to reach the size or price that an offering in the US markets can fetch.

The Canadian market has a significantly lower threshold for risk. In Europe, there are even more issues that need to be considered, like the economic conditions in each member state of the EU which affect every market in Europe.

Before 2001, when dotcoms were still in vogue, anyone with a website could file for an Initial Public Offering and watch the millions piling up as the markets kept going up. What investors want now is a safe company with lots of assets to its name and long term growth prospects. For any business that can traverse this long road to IPO success, there's a huge reward waiting at the other end.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 12/28/2010 -- Dynamic Wealth Management: A branch of economic thought known as 'efficient market theory' hypothesizes that the stock market is almost perfectly efficient in the sense that asset values are almost perfectly priced when factoring in all known information. Taking this theory to the extreme would mean that a monkey randomly choosing stocks would do no better or worse on average than a Wall Street guru.

Many people subscribe to this theory. Their main reasoning is that there are so many knowledgeable people that actively invest in stocks (think head fund managers, mutual fund managers, private equity guys, etc.) that all stocks are accurately valued. The only way to make more money in the stock market, or any aasset class for that matter, is to take on more risk. Otherwise, it's futile to attempt to try to pick stocks since you won't find any good deals (other people would have already found them and bid up the stock's price).

People who believe in this theory generally just invest in broad, index funds with low expense fees. They attempt to diversify to mitigate risk (hence the appeal of ETFs or index funds) and also attempt to lower transaction costs (again, the appeal of ETFs). By investing in ETFs and index fund, they also can just park their money in the long-run, which will limit their tax liability.

The market does a pretty good job at accurately pricing stocks, and on the whole, most investors probably can't beat a random monkey choosing stocks. But efficient market theory can't explain why some investors consistently beat the market, such as legendary investors like Warren Buffet and George Soros. It is also stretch to think the daily gyrations of the stock market are completely rational.

It is also difficult to explain the tech boom of 95-99 and subsequent crash in 2000-2002 through efficient market theory, since this was a pretty clear episode of excessive investor exuberance for tech stocks.

Also, while there is a lot of .smart money. in the market, this 'smart money' is often handicapped by large asset bases. Most of the best investors have asset bases of $250 million+ to deal with, so they cannot put much of their funds into the stocks that they necessarily think are the best buys.

For example, if a hedge fund manager who manages $500 million thinks a company with a market capitalization of $500 million is a great buy, he cannot put much of his asset base in their physically. If he invested all of it, he would have bought the company! That, plus with a sizeable infusion of money would have bid the stock.s price up way past its value.

Furthermore, as much smart money is out there, there is also a lot of dumb money too. Plenty of people don't know what they.re doing, and they trade based on emotion, leading to bad investment decisions. It is for these reasons that while efficient market theory has its merits, it's a huge stretch to believe that today's financial markets are almost completely efficient.

Dynamic Wealth Management: Investing in your priorities
A socially responsible strategy allows individuals to invest in a way that is consistent with their own priorities. As indicated by performance in recent years, choosing to invest in this manner does not mean sacrificing potential return. However, not all investments will perform in the same way.

If this method of investing interests you, work with your Dynamic Wealth Management financial advisor to learn more about how SRI options can work in conjunction with your overall investment strategy. There are a number of mutual funds to choose from that can be incorporated into an existing or proposed asset allocation strategy. Alternatively, you can select specific investments that fit more particular criteria or apply your own social screens to your managed portfolio. Be sure to consider how any investment you choose matches your risk profile and your return expectations.

The most effective approach to socially responsible investing is to make sure that the execution of the strategy is consistent with your overall financial plan. Your DWM financial advisor can help you review your current asset allocation and help you consider whether social investing is right for you

Here at Dynamic Wealth Management we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 12/07/2010 -- Here at Dynamic Wealth Management we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.

Balanced investment strategy is perhaps the most followed and successful investment strategy for portfolio management. Its primary aim is to keep a balance between investment risk and return. A balanced investment strategy combines the merit of aggressive and defensive investing strategies.

Aggressive investment strategy involves investing in high return high risk investments with the sole purpose of maximizing return from investments. It involves allocating major portion of portfolio capital to invest in equities, equity based funds and highly volatile markets. Investors following aggressive investment strategy often look for comparatively short-term profiting and wish to invest more in growth stocks, and small caps and mid cap stocks. Advantages of aggressive investing include quick profit, high return over investment and no need of large portfolio capital. It can work really well for experienced investors and investors who are very strict in their money management. Disadvantages include high risk, high volatility in total portfolio value and no surety of profit. It less supports novice investors and investor looking for monthly earnings or living costs.

Defensive investment strategy is just opposite of aggressive investment; it's purpose is to preserve the capital and ensure some return from investments. It involves investing in low profit low risk investments like bonds, money market funds, treasury notes, and equities with minimum price volatility and good dividends. Defensive investors look for long-term profits and/or monthly earnings. Advantages of defensive investment strategy include reduced risk, predictable income, better investment planning and diversification of portfolio. This strategy mainly suits beginners. Disadvantages include low return from investments and requirement of high capital investments.

In balanced investment strategy, the investor tries to keep a balance between his aggressive and defensive behaviors. It involves balancing of both return and risk by diversifying investments in both high return high risk and low return low risk investments. Balanced investors often follow a portfolio capital allocation rule telling how much to invest in equities and bonds and how much to invest in treasury notes, precious metals and funds. Usually one portion of portfolio is actively managed and other portion is left to grow automatically. Balanced investment strategy can be slightly aggressive or slightly defensive with respect to investments made.

The greatest advantage of balanced investment strategy is the diversification of portfolio and hedging against high total portfolio value volatility. It is good for investors looking for medium-term (3 to 5 years) profits. Other advantages include flexibility in portfolio management, better results with better capital investments, (almost) predictable income and manageable portfolio risk. Balanced investment strategy support both beginners and experienced investors and can be an option for monthly earnings for living.

Investing in your priorities
A socially responsible strategy allows individuals to invest in a way that is consistent with their own priorities. As indicated by performance in recent years, choosing to invest in this manner does not mean sacrificing potential return. However, not all investments will perform in the same way.

If this method of investing interests you, work with your Dynamic Wealth Management financial advisor to learn more about how SRI options can work in conjunction with your overall investment strategy. There are a number of mutual funds to choose from that can be incorporated into an existing or proposed asset allocation strategy. Alternatively, you can select specific investments that fit more particular criteria or apply your own social screens to your managed portfolio. Be sure to consider how any investment you choose matches your risk profile and your return expectations.

The most effective approach to socially responsible investing is to make sure that the execution of the strategy is consistent with your overall financial plan. Your DWM financial advisor can help you review your current asset allocation and help you consider whether social investing is right for you.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 12/03/2010 -- What are the benefits available to you from the world of offshore savings, investment, finance and banking?

Dynamic Wealth Management: Even in this day and age of enlightenment thanks to the pervasive nature of information dissemination via the internet, some people are still concerned about the legalities and legitimacy of the offshore world of finance and banking. For some reason others simply assume that onshore equates to a 'safe haven' for money and offshore equates to a 'risky tax haven.'

Well, you and I know that that is simply not the case! However, even though it is now clearer to more people that the offshore world holds many potential taxation benefits, there are still questions to be answered about why one should invest offshore and in this article we explore the benefits.

First things first…here's another myth I wish to dispel – some people say that offshore investments and bank accounts are more lightly regulated than their entity-type-counterparts onshore…now, that's not necessarily true!

Yes, certain jurisdictions give fund managers, bankers and investors pretty much free rein so that the rewards and risks are potentially far greater – but some jurisdictions are very highly regarded among financial professionals simply because of the incredibly high standards of protection they afford investors and account holders through insurance schemes and government regulation requirements for example:

The Isle of Man and the Channel Islands are examples of offshore jurisdictions where offshore investment and saving policy or bank account holders are afforded high levels of protection. Just taking the Isle of Man – it offers policyholder protection schemes, it also has the highest financial services rating issued by the OECD, FATF and FSF and it has an independent Financial Services Ombudsman scheme not to mention the fact that both Standard and Poor's and Moody's have given the Isle of Man AAA ratings.

So – myth dispelled, let's move on.

In terms of the benefits available when investing offshore they will always, always depend on the particular circumstances of the individual investor - but offshore financial services and structures can be used as part of an overall asset protection strategy for example, investing offshore can afford an investor greater flexibility in terms of international accessibility and the commodities, equities, derivatives, stocks, shares or companies they can invest in, plus there are of course sometimes significant taxation benefits available to an account holder depending on their countries of tax residence and domicile.

Other answers to the question posed by this article – namely 'why invest offshore?' – are because there are general benefits available including more efficient estate planning potential, privacy and confidentiality, better interest returns, the chance to exploit active business interests overseas in low or no tax locations and global access to assets and income.

So, while the internet has been fantastic in terms of allowing more people to become far more broadly informed - especially about subjects as seemingly taboo as all things offshore - it is still absolutely in a government's interests to avoid advising people that the offshore world is open and available to them because they may well lose out on taxation revenue as a result! This means it is up to independent websites such as Dynamic Wealth Management to give you free access to facts and general information and for you to then see how and why such information is or is not applicable to your own personal circumstances. At which stage you can then take specific and expert advice from a qualified individual as to how you can best utilize the offshore world.

And on that final note there is just one more thing to say! A potential investor (you) has to be absolutely sure that the actions they are about to take in terms of placing assets offshore will be of benefit to them. Additionally they need to make sure that they are acting legally, that a company they are entrusting with their money is legitimate and that they understand the risks associated with their decisions.

To that end we at Dynamic Wealth Management will always advise that you should to do your own due diligence on the jurisdiction recommended to you or chosen by you, the company you are considering investing or banking with and the policy or account you are taking out. Common sense is the main key to ensuring you do not make a mistake when entering the world of offshore finance and common sense is something we here at Dynamic Wealth Management pride ourselves on!

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 12/03/2010 -- Dynamic Wealth Management: While the stock market is a great place to make money, it can also be a great place to lose it as well. When investing, it is very important to research thoroughly. Without proper research, and an education in the stock market, it can be more difficult to make money.

Investing with small amounts of money. Large amounts of money can be made through the stock market, even with small amounts of money. But investing a small amount of money and turning a large profit is not without risk. In fact, the risk is the reason that this is possible. Stock options are a great example of this. The reason such a large return can come from stock options is because they will eventually expire if they are not exercised or sold. This makes it a much riskier investment then just buying a stock outright. But the return on a stock will not be as great as if the investor had invested in the proper stock options. So even with a small amount of money an investor can make it worth their while

Dividends as income. If a stock trader has plenty of money to invest, they can make a lot of money from simply just purchasing a stock and collecting the dividends.

Many stocks pay a percentage to the shareholder, and the amount they receive will depend on how many stocks they currently own. While one or two percent may seem extremely small, if an investor has over six figures invested it can make for incredible profits. Some investors will purchase a stock right before it pays dividends and sell it shortly after. But there is a cut-off date on when the stock must be purchased by, so it is important to research before buying in.

Finding the next big investment. Sometimes investing can simply be just realizing what is going to be the next big craze. Many of these company's share prices will start out at an extremely low price and begin to jump rapidly. While some of these companies will not last for long, many will have staying power. A lot depends on what product or service they are providing. If it is something that will be outdated soon, then the stock price will begin to fall. But if the stock is a real winner, it will continue to grow and flourish over time. Investing in a long term or short term stock can be a great way to make money. But be aware, that the stocks that jump up in price can come tumbling back down. When investing in the stock market it is important to avoid buying in at the top.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 12/03/2010 -- Dynamic Wealth Management: Mutual funds are a popular investment vehicle because their diverse nature lends to a more balanced financial portfolio. Investment companies sell shares of the fund and invest the proceeds in a variety of assets under the direction of a professional money manager.

Where to Buy Mutual Funds
Advisers must be registered to sell mutual funds. Licensing requirements include the successful completion of a training course and the examination required by the local regulatory agency.

Mutual funds may be purchased from registered advisers at:
• Banks/trust companies
• Brokerage firms
• Credit unions/caisses populaires
• Life insurance brokers and agents
• Mutual fund companies
• Mutual fund dealers
Mutual fund and life insurance companies typically sell only their own funds, while banks and dealers offer a variety of different products.

How to Buy Mutual Funds

There are several important steps to buying mutual funds. First, work with an adviser to create a financial plan and determine how much can be invested in mutual funds. Investigate several mutual fund options that fall within the amount available for investment. Consider:
• the amount required to buy into the fund
• the desired length of time to invest
• associated fees (see below)
• current and past fund performance, rather than future projections
• the types of investments held within the fund: stocks, bonds, etc., and the level of risk involved

After completing the application form, keep a photocopy for future reference. Watch the mail for a prospectus, which provides information about the company managing the fund. Read and save all mutual fund statements, asking for clarification when required.

Buying Mutual Funds: No Load Funds vs. Front Load or Back End

The fees associated with mutual fund investment are a source of confusion for many new investors. Some mutual funds require an upfront payment to buy into the fund, although this has become increasingly unpopular.

Many companies now use a back end load fee, or contingent deferred sales load (CDSL) fee; when the investor needs to sell the fund, a penalty applies based on the length of ownership.

Others still offer no load funds. Do not confuse no load funds with no fees; all mutual funds include a fee called the Management Expense Ratio (MER) to cover administrative costs, the mutual fund manager's salary, legal fees, and other incidental expenses.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Stock market investors seek diversification for a multitude of reasons.

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 12/03/2010 -- Stock market investors seek diversification for a multitude of reasons. Stock specific risk can be diversified by increasing the number of holdings in order to mitigate the effects of a blow up in any particular stock. However, the greater challenge lies with eradicating systematic or market risk

DynamicWManagement - Company Administration. How is the company run internally? Examples of the things investors can look for are who, are the key personnel and what are their motives? Some companies are run more for the interests of their directors than the shareholders. Is the company run by reputable businessmen? Are they serial stock option issuers? Is there business model unusual or opaque?

Dynamic Wealth Management - Operational Drivers. How they perform within their markets compared to competition? This is the area where 'science' can play a large part since investors can compare a host of operational metrics across industry competitors. For example, comparing a company's gross margins compared to the industry will help gauge their competitive position.
With retail stocks, analysts will look at comparable like for like sales growth across the industry. With Pharmaceutical stocks, analysts will focus on their research and development programme. The list of specific metrics is almost endless, but the key point is to focus and identify what is likely to move earnings and prices in future.

DynamicWManagement - Strategic Investments. What are the strategic end drivers of their business? This is usually the most important part. Industries like miners and many energy companies are strategically exposed to the prices of the commodities that they deal in. Indeed, most companies are exposed to an over- riding macro factor. For example, consumer goods companies are exposed to consumer spending cycles.

A simplistic view of this approach would be to define companies in terms of having cyclical or defensive qualities. However, in reality, economies and, individual company prospects are far more complex. Defining a strategic profit driver may appear to be a science but in fact it is more of an art.

Dynamic Wealth Management - Portfolio Management. Once this process is completed and the investor has defined the key drivers, he can thing bring about diversifying the portfolio. For example, a properly diversified portfolio will not be overweight in one sector or theme. So if an investor finds that he is overweight in stocks benefiting from rising oil prices, then he should look to buy companies that are positively exposed to falling oil prices. For example, plastics manufacturers or data centre operators.

This hedging process will not necessarily result in flat performance because the companies involved will have other growth kickers. In this example, the oil companies may discover significant new reserves and the data centre could see significantly increased demand for its centres. However, the exposure to rising oil price movements will be limited via diversification.

This process is particularly applicable to portfolio that has been constructed through a bottom up process because a bottom up portfolio could be manifesting an unintentional style or sector bias.

The point is simple. Everyone knows that they key to a successful investment portfolio is to manage the diversity within it, however you choose to do this is, and always will be a personal choice or strategy. The objective and end result should always be the same, protecting your investments and knowing when to let go.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Stock specific risk can be diversified by increasing the number of holdings in order to mitigate the effects of a blow up in any particular stock.

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 12/03/2010 -- DynamicWManagement - Stock market investors seek diversification for a multitude of reasons. Stock specific risk can be diversified by increasing the number of holdings in order to mitigate the effects of a blow up in any particular stock. However, the greater challenge lies with eradicating systematic or market risk.

Market risk can never be totally eliminated within a stock portfolio however it is possible to decrease the level of correlation within a portfolio. For example, investors could favour small caps over large caps. This is feasible because it is possible to find stocks whose earnings are less exposed to the economy at large. Indeed, it is easy to find counter-cyclical stocks within the small cap universe.

Dynamic Wealth Management Report-Portfolio Diversification and Risk Management in Stock Investing: Another option is to reduce the number of holdings and have a few 'focused' positions. However, this approach will increase stock specific risk, so it is hard to argue that it is reducing risk.

DynamicWManagement - Non-Correlated Portfolio. Absolute Returns. Equity market risk can be reduced via hedging or other alternative strategies. Indeed, the single most important issue facing investors today may well be how to produce non-directional returns in a world that is becoming increasingly correlated.

DynamicWManagement - Stock Beta. Capital Asset Pricing Model CAPM enthusiasts such as Harry Markowitz would tend to argue that all the profit and price drivers will be captured in the beta of the stock. However, beta-by definition-is always a historical measure and will tell not necessarily predict the future. Markets change and there is an art to identifying and diversifying the profit drivers within a portfolio. Whilst beta will capture some elements, the factors of error in this approach may preclude its usefulness.

DynamicWManagement - Diversifying Investment. The essence of diversifying a portfolio is to diversify the profit drivers within it. Naturally, this approach relies on the corollary that earnings drive prices. The difficult part lies in identifying the profit drivers. The following method is a process based on that taken by the founder of Sony, Akio Morita in Made in Japan: Akio Morita and Sony. The investor discovers the individual profit drivers, he can then seek to diversify them within a portfolio.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 12/03/2010 -- Stock market investors seek diversification for a multitude of reasons. Stock specific risk can be diversified by increasing the number of holdings in order to mitigate the effects of a blow up in any particular stock. However, the greater challenge lies with eradicating systematic or market risk.

Market risk can never be totally eliminated within a stock portfolio however it is possible to decrease the level of correlation within a portfolio. For example, investors could favour small caps over large caps. This is feasible because it is possible to find stocks whose earnings are less exposed to the economy at large. Indeed, it is easy to find counter-cyclical stocks within the small cap universe.

Another option is to reduce the number of holdings and have a few 'focused' positions. However, this approach will increase stock specific risk, so it is hard to argue that it is reducing risk.

Non-Correlated Portfolio. Absolute Returns
Equity market risk can be reduced via hedging or other alternative strategies. Indeed, the single most important issue facing investors today may well be how to produce non-directional returns in a world that is becoming increasingly correlated.

Stock Beta
Capital Asset Pricing Model CAPM enthusiasts such as Harry Markowitz would tend to argue that all the profit and price drivers will be captured in the beta of the stock. However, beta-by definition-is always a historical measure and will tell not necessarily predict the future. Markets change and there is an art to identifying and diversifying the profit drivers within a portfolio. Whilst beta will capture some elements, the factors of error in this approach may preclude its usefulness.

Diversifying Investment
The essence of diversifying a portfolio is to diversify the profit drivers within it. Naturally, this approach relies on the corollary that earnings drive prices. The difficult part lies in identifying the profit drivers. The following method is a process based on that taken by the founder of Sony, Akio Morita in Made in Japan: Akio Morita and Sony. The investor discovers the individual profit drivers, he can then seek to diversify them within a portfolio.

Company Administration
How is the company run internally? Examples of the things investors can look for are who, are the key personnel and what are their motives? Some companies are run more for the interests of their directors than the shareholders. Is the company run by reputable businessmen? Are they serial stock option issuers? Is there business model unusual or opaque?

Operational Drivers
How they perform within their markets compared to competition? This is the area where 'science' can play a large part since investors can compare a host of operational metrics across industry competitors. For example, comparing a company's gross margins compared to the industry will help gauge their competitive position.

With retail stocks, analysts will look at comparable like for like sales growth across the industry. With Pharmaceutical stocks, analysts will focus on their research and development programme. The list of specific metrics is almost endless, but the key point is to focus and identify what is likely to move earnings and prices in future.

Strategic Investments
What are the strategic end drivers of their business? This is usually the most important part. Industries like miners and many energy companies are strategically exposed to the prices of the commodities that they deal in. Indeed, most companies are exposed to an over- riding macro factor. For example, consumer goods companies are exposed to consumer spending cycles.

A simplistic view of this approach would be to define companies in terms of having cyclical or defensive qualities. However, in reality, economies and, individual company prospects are far more complex. Defining a strategic profit driver may appear to be a science but in fact it is more of an art.

Portfolio Management
Once this process is completed and the investor has defined the key drivers, he can thing bring about diversifying the portfolio. For example, a properly diversified portfolio will not be overweight in one sector or theme. So if an investor finds that he is overweight in stocks benefiting from rising oil prices, then he should look to buy companies that are positively exposed to falling oil prices. For example, plastics manufacturers or data centre operators.

This hedging process will not necessarily result in flat performance because the companies involved will have other growth kickers. In this example, the oil companies may discover significant new reserves and the data centre could see significantly increased demand for its centres. However, the exposure to rising oil price movements will be limited via diversification.

This process is particularly applicable to portfolio that has been constructed through a bottom up process because a bottom up portfolio could be manifesting an unintentional style or sector bias.

The point is simple. Everyone knows that they key to a successful investment portfolio is to manage the diversity within it, however you choose to do this is, and always will be a personal choice or strategy. The objective and end result should always be the same, protecting your investments and knowing when to let go.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.dynamicwmanagement.com

Portfolio Diversification and Risk Management in Stock Investing

Stock market investors seek diversification for a multitude of reasons. Stock specific risk can be diversified by increasing the number of holdings in order to mitigate the effects of a blow up in any particular stock. However, the greater challenge lies with eradicating systematic or market risk.

Market risk can never be totally eliminated within a stock portfolio however it is possible to decrease the level of correlation within a portfolio. For example, investors could favour small caps over large caps. This is feasible because it is possible to find stocks whose earnings are less exposed to the economy at large. Indeed, it is easy to find counter-cyclical stocks within the small cap universe.

Another option is to reduce the number of holdings and have a few 'focused' positions. However, this approach will increase stock specific risk, so it is hard to argue that it is reducing risk.

Non-Correlated Portfolio. Absolute Returns
Equity market risk can be reduced via hedging or other alternative strategies. Indeed, the single most important issue facing investors today may well be how to produce non-directional returns in a world that is becoming increasingly correlated.

Stock Beta
Capital Asset Pricing Model CAPM enthusiasts such as Harry Markowitz would tend to argue that all the profit and price drivers will be captured in the beta of the stock. However, beta-by definition-is always a historical measure and will tell not necessarily predict the future. Markets change and there is an art to identifying and diversifying the profit drivers within a portfolio. Whilst beta will capture some elements, the factors of error in this approach may preclude its usefulness.

Diversifying Investment
The essence of diversifying a portfolio is to diversify the profit drivers within it. Naturally, this approach relies on the corollary that earnings drive prices. The difficult part lies in identifying the profit drivers. The following method is a process based on that taken by the founder of Sony, Akio Morita in Made in Japan: Akio Morita and Sony. The investor discovers the individual profit drivers, he can then seek to diversify them within a portfolio.

Company Administration
How is the company run internally? Examples of the things investors can look for are who, are the key personnel and what are their motives? Some companies are run more for the interests of their directors than the shareholders. Is the company run by reputable businessmen? Are they serial stock option issuers? Is there business model unusual or opaque?

Operational Drivers
How they perform within their markets compared to competition? This is the area where 'science' can play a large part since investors can compare a host of operational metrics across industry competitors. For example, comparing a company's gross margins compared to the industry will help gauge their competitive position.

With retail stocks, analysts will look at comparable like for like sales growth across the industry. With Pharmaceutical stocks, analysts will focus on their research and development programme. The list of specific metrics is almost endless, but the key point is to focus and identify what is likely to move earnings and prices in future.

Strategic Investments
What are the strategic end drivers of their business? This is usually the most important part. Industries like miners and many energy companies are strategically exposed to the prices of the commodities that they deal in. Indeed, most companies are exposed to an over- riding macro factor. For example, consumer goods companies are exposed to consumer spending cycles.

A simplistic view of this approach would be to define companies in terms of having cyclical or defensive qualities. However, in reality, economies and, individual company prospects are far more complex. Defining a strategic profit driver may appear to be a science but in fact it is more of an art.

Portfolio Management
Once this process is completed and the investor has defined the key drivers, he can thing bring about diversifying the portfolio. For example, a properly diversified portfolio will not be overweight in one sector or theme. So if an investor finds that he is overweight in stocks benefiting from rising oil prices, then he should look to buy companies that are positively exposed to falling oil prices. For example, plastics manufacturers or data centre operators.

This hedging process will not necessarily result in flat performance because the companies involved will have other growth kickers. In this example, the oil companies may discover significant new reserves and the data centre could see significantly increased demand for its centres. However, the exposure to rising oil price movements will be limited via diversification.

This process is particularly applicable to portfolio that has been constructed through a bottom up process because a bottom up portfolio could be manifesting an unintentional style or sector bias.

The point is simple. Everyone knows that they key to a successful investment portfolio is to manage the diversity within it, however you choose to do this is, and always will be a personal choice or strategy. The objective and end result should always be the same, protecting your investments and knowing when to let go.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 09/16/2010 -- The Investment Services Platform offers the professional intermediary a comprehensive array of investment products and services, integrated with a wide range of financial planning structures and business support services.

Dynamic Wealth Management's professional Investment Services Platform (ISP) Matrix is designed for one purpose; to support your business and financial needs by: Eliminating administration, Enhancing customer services, Reducing costs and Increasing Revenue Our state of the art technology gives you access to a back-office platform that delivers scalability, increased efficiency and a competitive edge. This enables you to reduce your administrative and management burdens and so free more time to devote to your clients.

Custody & Portfolio Administration http://www.dynamicwmanagement.com
Dynamic Wealth Management operates highly efficient and tailored investment administration solutions to a number of institutions and professionals across a wide spectrum of the financial industry.

As well as offering third party administration services outsourced to us, we provide global custody services via our own nominee company, servicing experienced investor funds and a selection of professionals looking for administrative and custody solutions. www.dynamicwmanagement.com

Administration provisions may include a combination of the following: On-line dealing and fully integrated trade settlement services, Global custody with on-line interaction and portfolio monitoring, Corporate action and dividend processing, Asset and unit linked fund pricing, Fully white labelled valuation and statement reporting solutions and Designated and global 'Profit/Loss' and 'Trial Balance' reporting. The effective use of Dynamic Wealth Management's investment administration services provides institutions and life companies with the opportunity to: Reduce running costs and overheads, Optimise efficiency and straight through processing, Reduce operational risk and cost, Offer enhanced services to their clients, Review portfolios daily via on-line access and Have access to highly qualified personnel. The activities undertaken within investment administration are essential to the successful delivery of investment services and products. None of these can deliver what the client expects if dividends do not arrive on time, deals are not placed correctly, trades do not settle on time, corporate actions are misinterpreted or shares are not correctly transferred when a new account is opened. http://www.dynamicwmanagement.com

DynamicWManagement - Our group has the unique capability to fully master the heart of the international business and finance center, enabling us to deliver powerful solutions from our investment platform both to fulfill individual investment needs and to support the aspirations of our business partners.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 09/16/2010 -- Research and Analysys - At the Dynamic Wealth Management, we realize that no two clients are the same. Every client has different financial needs, goals, and plans.

For this reason, the DWM offers a wide array of investment options to suit every client. We tailor your investment strategy to be as individual as you are.

Retirement Planning at Dynamic Wealth Management - Nudged by the government and buffeted by the demographic reality of retirees often living into their 90's, corporations have been rapidly offloading the responsibility for retirement income to their employees. Fortunately, many different financial vehicles now exist to help investors meet their own retirement needs. New products seem to emerge each month; some are marketing gimmicks while others may be valuable financial tools.

http://www.dynamicwmanagement.com

At Dynamic Wealth Management, we have adopted a process that relies heavily on client input and participation in all phases of the retirement planning process.

Although it is a systematic approach, it is also tailored to each client's requirements. Through a series of planned steps, we work with each client to define major life goals, prioritize them and test them under various market scenarios. We then build to a recommendation based upon ideal vs. acceptable goals and risk tolerance. Many retirement programs stop here. Ours continues to full implementation of the plan and periodic monitoring of its progress. Finally, we stay mindful of new goals or priorities that may cause alterations of the original program.

We believe that retirement planning must be an ongoing process, not a glossy report that sits on a bookshelf. Only in this way can we provide the best likelihood of providing a retirement that is as free as possible from needless financial concerns. www.dynamicwmanagement.com

DynamicWManagement - Our group has the unique capability to fully master the heart of the international business and finance center, enabling us to deliver powerful solutions from our investment platform both to fulfill individual investment needs and to support the aspirations of our business partners.

http://www.dynamicwmanagement.com

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Dreikoenigstrasse, Zurich -- (SBWIRE) -- 09/16/2010 -- At the Dynamic Wealth Management, we realize that no two clients are the same. Every client has different financial needs, goals, and plans. For this reason, the DWM offers a wide array of investment options to suit every client. We tailor your investment strategy to be as individual as you are.

As a Dynamic Wealth Management client, your portfolio will be structured using the disciplines of asset allocation, risk tolerance, and thorough understanding of your goals and objectives.

We believe in the appropriate allocation of fixed income, equity, international stocks and bonds, hedge funds, and alternative investments.

DynamicWManagement - Equities http://www.dynamicwmanagement.com
Dynamic Wealth Management offers a variety of tools that can help determine which individual stocks are appropriate for your equity portfolio objectives. Our equity disciplines are style specific and can be crafted to meet customized client objectives and fulfill a defined asset allocation strategy.

In all cases, a Dynamic Wealth Management Portfolio Manager will recommend a portfolio strategy that reflects your tax situation, other assets you may already own, risk tolerance, particular family needs and constraints, and preferences you specify. Several equity models are designed to assist investors in achieving the proper asset allocation when investing in equities. In addition, customized equity portfolio analysis is available for our private preferred clients.

DynamicWManagement - Mutual Funds
Dynamic Wealth Management has selling arrangements with a large number of mutual fund companies. Many of these mutual fund companies are leaders in the industry and offer expertise in different investment categories.

DynamicWManagement - Unit Investment Trusts http://www.dynamicwmanagement.com
We offer one of the widest selections of Unit Investment Trusts available, including equity, municipal and taxable fixed income trusts. Dynamic Wealth Management creates sector trusts of companies based on work of our global research analysts.

DynamicWManagement - Managed Accounts
If you are looking for the advantages that a professional money manager can offer, Dynamic Wealth Management provides a broad range of fee-based money management programs.

DynamicWManagement - Fixed Income http://www.dynamicwmanagement.com
Looking to add a fixed income component to your portfolio? Dynamic Wealth Management can provide access to a broad selection of fixed income securities to choose from, including CDs, deposit notes, corporate bonds and preferred securities. The results in diversified investments that seek to maximize total return while generating income and safeguarding your assets. Securities in your portfolio are monitored closely and sold when they fall below the strict requirements that you've set or no longer meet your investment needs. The process is designed to increase total returns while managing overall risk.

DynamicWManagement - Trust Planning
Whether you are concerned about paying for your children's education, planning for your own retirement or exercising employee stock, you need a financial plan that works for you. Working together with your Financial Advisor, we can help you structure a plan designed to meet your circumstances and help you choose which investments are best suited to you and your plan. It is of paramount importance to properly structure and regularly review your estate plan to be sure it addresses your family's needs.

DynamicWManagement - Our group has the unique capability to fully master the heart of the international business and finance center, enabling us to deliver powerful solutions from our investment platform both to fulfill individual investment needs and to support the aspirations of our business partners.

http://www.dynamicwmanagement.com

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Dreikoenigstrasse, Zurich -- (SBWIRE) -- 09/10/2010 -- DynamicWManagement - By investing funds offshore of one's home country, there is an immediate benefit of protection against the troubles of the country's market or currency. Offshore investing can take many forms. Alternative investment vehicles often include a component of offshore investments, such as offshore real estate, or offshore farm land and agricultural production, or even offshore gold and silver storage.

DynamicWManagement - Advantages of Offshore Investments as Alternative Investment Vehicles
Offshore investing once was for the ultra-wealthy, those sporting net worth's well North of $10 million. Now almost anyone can move funds into the more exciting and potentially profitable world of offshore investments. Knowledge of how to enjoy the advantages of offshore investing is much more expensive and rare than with standard home country investing however.

DynamicWManagement - As an alternative investment, moving funds out of your country of origin has largely been a winning trade for the past decade when calculated with currency fluctuations. China, Brazil, and India have all offered higher returns during bulls markets then the U.S. stock indexes over the past decade for instance. While these markets can be played with ETF's, there are several key shares that must be purchased using offshore investing houses.

Some of the key advantages of offshore investing within an alternative investment framework include:

• Higher potential returns than the domestic market
• Much broader range of stocks to choose from
• Often better pricing than domestic ETF's.
• Early availability of smaller capitalized issues
• Protection against single market dependence in real estate, stocks, weather effects, political effects, and currency devaluations

Much like domestic investing, offshore money management can steer towards main line investing in big projects or companies, or more towards alternatives to the main companies. While the risk can be greater with alternative investments, the rewards can be significantly higher and come much faster with a systematic approach to evaluating alternative investing ideas within an offshore portfolio.

DynamicWManagement - Here are 6 ideas for moving funds offshore and potentially enjoying high alternative investment returns:
1. Offshore direct company investment.
2. Offshore private placements.
3. Offshore currency investment (FOREX).
4. Offshore fund investment.
5. Offshore gold and silver storage.
6. Offshore investment account denominated in a local currency, such as USA Dollar, Australian Dollar, Singapore Dollar, or GBP Pound.

DynamicWManagement - These 6 offshore options for investing, can broaden a portfolio. Instead of only being dependent on major stock indexes, the above investments offer security against single market dynamics. Not only is there potential for higher returns, but potential for avoiding massive loses if all of your investments are based on one market and are susceptible to political, economic or natural disasters.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 09/10/2010 -- Most early- and mid-career workers see retirement as being far off in the distance. While retirees spend their days relaxing under swaying palms and contemplating how thankful they are to be out of the rat race for good, the reality is quite different. Today, people are retiring later and finding the need to save more money to live comfortably after retirement. No two ways about it, the longer people wait to retire, the more comfortable their lives will be.

Dynamicwmanagement: How Much Money Does a Person Need to Retire?

How much money a person needs for retirement depends on a variety of factors including desired lifestyle, location, retirement age, anticipated social security payments, and perhaps even medical needs. While some experts predict a person may need anywhere between $850,000-$1.5 million to retire comfortably, the amount is different for everyone all over the globe.

In order to determine exactly how much a person needs for retirement, numerous retirement planning and financial websites feature retirement calculators. Using a retirement calculator, the person enters information including desired retirement age, expected social security payments, current age, current annual income, and life expectancy. The results show the total amount of money needed to retire comfortably factoring in inflation.

Dynamicwmanagement: The Bottom Line on How Much Money is Needed for Retirement

Bottom line, people should begin saving for retirement as soon as possible, preferably in their 20's. The age of retirement varies; but if the person waits until age 70 to retire, he or she will enjoy a comfortable retirement. The amount of money needed for retirement depends on a variety of factors and is different for everyone. But with careful retirement planning and the use of a retirement calculator, people can live out their Golden Years more comfortably.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 09/10/2010 -- Foreign markets are often referred to as emerging markets if anything, but the European market is included. Foreign stock markets have been offering larger returns than the U.S. stock market for most of this decade, partly because they start out at a lower base. Investors exposed to foreign market growth potential of the emerging countries, can hop on the high-return gravy train, so long as they avoid the ride off the cliff that has happened frequently with emerging market stocks.

Dynamic Wealth Management - Foreign Markets Include BRIC and Feeder Countries

Some of the foreign emerging market countries include Brazil Russia, India, China, Vietnam, Taiwan, Israel, and even New Zealand and Australia can be included. Part of the attraction of several of these countries is that their overall market value is significantly lower than the US market value. For example: trading a five dollar stock can offer larger percentage returns based on a given capital investment than a $50 stock because of the nature of larger numbers versus smaller numbers.

Smaller numbers can increase more rapidly on a percentage basis than larger numbers with a given level of investment. This fact alone allows emerging markets to offer larger percentage returns. For example, the entire US stock market is valued over $21 trillion, where China's entire stock market is valued at approximately $1.6 trillion. For a $21 trillion market to double in value to $42 trillion is a significantly more difficult feat than a $1.6 trillion market doubling to $3.2 trillion.

DynamicWManagement: Foreign Emerging Markets with Manufacturing and Agricultural Power

Meanwhile the emerging countries all have significant agricultural production as well as growing manufacturing production. The level of absolute production is not as critical as the growth rate of the production of various industries, both agricultural and manufacturing; because stock markets in a foreign market or an emerging market are a future predicting device.

Foreign emerging markets offer significant profit potential in the stock arena because their populations are growing, often at a rate double or triple of the developed Western world, with the exception of Russia, also because they are manufacturing and growing agriculturally. Brazil, for example, has become one of the leading producers of cotton, corn, and soy even displacing the U.S. in some markets.

One of the challenges of investing in emerging markets or foreign markets is that these markets have significantly higher market volatility or risk. One method mitigating this risk is to employ 15% stop loss, in all market investments. With this stop loss used for foreign market investing the tremendous profit potential can be enjoyed while limiting the eventual crashes that afflict foreign emerging markets frequently. Additionally, currency losses used to be a common problem with foreign market investing. The dollar for instance has been sliding against most currencies, the value of the foreign currency has added to the returns on foreign market investing. Ultimately, depending on which markets you are investing, with currency fluctuations it is possible to make money both on the investment and on the conversion back to your own currency.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Dreikoenigstrasse, Zurich -- (SBWIRE) -- 09/10/2010 -- Consider Many Retirement Investment Options and Diversify Portfolio

There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.

Dynamic Wealth Management: Expert Tips for Retirement Investing - Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal.

Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.

Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.

Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.

Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.

Dynamic Wealth Management: Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income:

• Annuities – An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment.

• GICs – GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed.

• Stocks, Bonds, and Mutual Funds – While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow – or may, possibly, shrink. The riskier the investment, the greater the potential earning. It's wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment.

• Home Equity – Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.

The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.

Dynamic Wealth Management is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to http://www.dynamicwmanagement.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm