Category: Investing

Recent surveys reveal that many individuals are seeking ways to improve their financial health. If you're searching for strategies on 'how to increase almi,' you're likely interested in Asset-Liability Management (ALM). This guide provides a straightforward explanation of ALM, explaining how to use its principles to build long-term financial security.

Historically, major blue chip stocks like Coca-Cola and Procter & Gamble have survived multiple recessions, demonstrating remarkable resilience. The question, however, is not whether these companies are durable, but whether blue chips are good for you, the individual investor, in achieving your financial goals.

Blue corn contains anthocyanins, a powerful antioxidant also found in blueberries. Therefore, the question "are blue chips healthy?" has two completely different answers depending on whether you're talking about a food item or a financial asset.

Developed in 2002 by Con Keating and William Shadwick, the Omega ratio is a sophisticated risk-return metric that accounts for the entire distribution of returns, unlike simpler measures. For investors, this raises a crucial question: Is a higher omega ratio better when evaluating investment opportunities?

Over recent years, the market for structured financial products has grown significantly, with Principal Protected Notes (PPNs) gaining attention. A PPN is a hybrid investment instrument that offers investors a unique combination of capital preservation and market-linked growth potential. This means that while your initial principal is guaranteed if the note is held to maturity, you also have the opportunity to earn a variable return tied to the performance of an underlying asset.

The Global Financial Crisis (GFC) of 2008 led to millions losing their jobs and major economies experiencing their deepest recessions since the Great Depression. For many, the crisis served as a harsh lesson on market volatility, risk, and the importance of financial discipline. Understanding the do's and don'ts that emerged from this period is vital for protecting and growing your wealth.

Historically, the classic 60/40 portfolio has been a benchmark for balanced investing, offering a mix of growth and stability. However, with shifting economic conditions, many investors are now questioning if a more growth-oriented 70/30 split might be better. The optimal choice depends entirely on an individual's unique financial situation, risk appetite, and investment timeline.

As of October 2025, the national average money market account rate was approximately 0.59%, while top-tier high-yield savings accounts offered over 4% APY, illustrating that there is no single "average" EAR across all products. The Effective Annual Rate (EAR) is the true annual rate of return or cost after accounting for compounding interest.

Although they share the same weight, a 1 oz gold bar is significantly smaller and more compact than a 1 oz silver bar due to the different densities of the metals. This surprising difference is one of the first things many investors discover when they start handling bullion and asks themselves, 'how big is a 1 oz bar?'

According to the World Gold Council, central banks purchased over 1,000 metric tons of physical gold in a recent three-year period, signaling confidence in its status as a store of value. This makes many individual investors wonder: when should I take gold? Adding gold to your portfolio at the right time is a strategic move for stability and wealth preservation during economic uncertainty.