AssessWorth Blog

Yes, everyone should purchase stocks. However, before you buy that stock, you need to consider a few things. Don’t you think? Read this article to learn what to watch out for before you purchase a stock. 7 Things To Watch Out For Before Buying That Stock 1. Stock Dividend History and Projection A stock’s dividend history shows how often and consistently it pays dividends. Future projections help you understand if these payments are likely to continue or grow. If steady income is important to you, check for a stable or growing dividend history. Avoid stocks with irregular or shrinking dividends unless you prioritize growth over income. 2. Earnings Per Share (EPS) Earnings per share (EPS) measures how much profit a company makes for each share of stock. A higher EPS generally means the company is performing well. Look for growing EPS over time, as it indicates a company’s profitability. Be cautious of stocks with declining EPS—it could signal trouble ahead. 3. Price to Ea...

Source Congratulations on starting your investment journey. However, you still have to monitor the assets in your portfolio so that they are neither overperforming nor underperforming. How do you do this? Portfolio rebalancing is the key. Learn all you need to know about portfolio rebalancing by reading this article. What Is Portfolio Rebalancing? Portfolio rebalancing is the process of realigning the proportions of assets in your investment portfolio. Over time, some investments grow faster than others, causing your portfolio to drift from its original allocation. Rebalancing helps maintain your desired level of risk and ensures your investments align with your financial goals. When you are ready to rebalance your portfolio, go to the “ Portfolio Reconstruction ” page on the Assessworth platform. 5 Tips to Rebalance Your Portfolio 1. Set a Rebalancing Schedule Decide how often you will review and rebalance your portfolio. Many investors do this annually, semi-annually,...

Source The best way to have a pleasant investment journey is by making it less risky. One way to keep your risk at a minimum is to diversify your assets. How do you diversify your assets? Read this useful guide. 5 Tips to Diversify Your Portfolio 1. Invest in Different Asset Classes Spread your investments across different asset classes like stocks, bonds, and real estate. Each type of asset reacts differently to market conditions, so combining them can reduce overall risk. For example, if stocks are performing poorly, bonds or real estate might hold steady or even increase in value. Diversifying ensures you don’t rely too heavily on one type of investment. 2. Invest in Different Industries Don’t put all your money into one sector, like technology or healthcare. By investing in multiple industries, you can reduce the impact of any one sector’s downturn. For instance, if the tech sector struggles, other industries like energy or consumer goods might perform better, balanci...

Source Some investors prefer long-term investments while others go for short-term. Which is right for you? Well, it depends on who you are and what you want. Read this article to learn if you should use a long-term or short-term strategy when investing. Long-Term Vs Short-Term Investments: Which is Right for You? To know which is right for you, consider the pros and cons of long-term investments and short-term investments. Pros of Long-Term Investments 1. Less Demanding Long-term investments don’t require frequent monitoring or trading. Once you set your strategy, you can let your investments grow over time with minimal effort. This makes it ideal for investors who prefer a hands-off approach. 2. Diversification Opportunities With more time, you can explore a variety of investment options. You can invest across different asset classes, industries, and regions to reduce risk. Diversification helps protect your portfolio against major losses. 3. Compounding Return Long-...

Source To prosper in the world of investment, you need to set guidelines to follow. While your investment advisor can only help set the guidelines, everything depends on your financial goals. Therefore, you must have financial goals before you get started. What are financial goals and how can you set and reach them? Read this article to find out. What Are Financial Goals Financial goals are specific objectives you set for managing your money and achieving financial security. They guide how you save, spend, and invest your money to meet both short-term and long-term needs. Examples include saving for a vacation, building an emergency fund, buying a house, funding education, paying off debt, or planning for retirement. Financial goals provide a clear direction and help you stay focused on improving your financial well-being. 5 Tips to Set And Reach Your Financial Goals 1. Set Specific Goals Start by clearly defining what you want to achieve. Vague goals like “I want to save...

Source Who are you? To invest safely and with little to no risk, you must know who you are. How do you know who you are? You are in luck, as this article teaches you all you need to know. 5 Tips to Know Who You Are As An Investor 1. Define Your Financial Goals Start by identifying what you want to achieve with your investments. Are you investing to compound your wealth, for retirement, or to have extra income? Clear goals give you direction and help you decide on the best strategies. 2. Set Your Risk Tolerance Risk tolerance is your ability to handle losses in your portfolio. Ask yourself how comfortable you will be when you lose a certain amount of money in your portfolio. Express this as a percentage. How many percent of your wealth will truly make you worried when you lose it? The minimum percent is your maximum risk tolerance. 3. Recognize Your Investment Style Your investment style reflects how actively you want to manage your portfolio. Passive investors often cho...

Source Equity investment is the current and next big thing, right? While it can be true or not, you must be watchful so that you do not make costly mistakes. What type of mistakes can you make when you invest in stocks? Read this article to find out. 5 Common Mistakes To Avoid In Equity Investment 1. Concentrating on One Stock or Industry Yes, you have a favorite company. However, considering that you cannot predict with 100% authority that the company will continue performing well in the years to come, you have to diversify your portfolio. The same thing applies to industry. The same factors affect companies in the same industry. Therefore, when diversifying your portfolio, go for different companies in different industries. 2. Ignoring Your Risk Tolerance What is your risk tolerance? In simple terms, how much of your wealth do you think will hurt you so much when it loses its value? Let’s say 20%. This means that your maximum risk tolerance is 20%. Therefore, go for compa...

Source There are different types of stocks and the ones you purchase depend on the type of investor that you are. What are the types and which one is right for you? Read this article to find out. 5 Types of Stocks 1. Enterprise Stocks Enterprise stocks represent shares in large, well-established companies that have a proven track record of success. These companies often dominate their industries and are known for stability and steady performance over time. If you value reliability and are looking for stocks that can weather economic ups and downs, enterprise stocks might be right for you. Consider them if you prefer moderate growth over time with less risk, especially if you're investing for long-term goals like retirement. 2. Passive Stocks Passive stocks are shares of companies that perform well just like enterprise stocks. All enterprise stocks can be passive. However, not every passive stock is well-known and reputable enough to be termed as an enterprise stock. T...

What’s the hype about stocks, right? Stocks may or may not be right for you. How can you tell if they are right for you? Here are five reasons why you want to consider buying the shares of a company: 5 Reasons You Should Buy Stocks 1. Beating Inflation What is the current inflation rate of your country? That rate tells you how much value of your wealth you will lose in a year to come if you continue holding the wealth in case. In simple terms, if you hold cash and your country's inflation rate is 15%, by next year, your cash will have lost its value by at least 15%. To help beat inflation, you must invest your money. One of the major forms of investment is equity investment, so if you want to beat inflation, purchase equities. 2. Building Sustainable Wealth The returns of equity are numerous and can compound over time. Because of the nature of equity investing, if you can maintain a stable rate of return over many years, you’d be surprised by the amount of wealth that...

Source You must’ve been hearing about stocks for a while now. Some say stocks are the best assets to purchase while others are indifferent. What are stocks and why the hype? Read this article to find out. What Are Stocks? Stocks are simply the ownership of a company, in simple terms. When you look at a company, ask who the owners are. Let’s say that A, B, and C are the owners. The next question is, who owns the company more? You can learn about a company's owners and their ownership proportion by looking at the company's stock allocation. The stocks someone owns are the shares of a company’s equity held by the person. Why Do Companies Issue Stocks? If stocks mean the ownership of a company, why do companies issue stocks? In other words, why do companies want more owners? Companies issue stocks for some simple reasons: To raise money for growth and expansion : Purchased stocks are extra capital for the company. It is the same as adding more funds to your business for...

Source Everyone should start investing right away. However, you must invest with clear intentions if you want to avoid making costly mistakes. Mistakes can be so costly that they discourage you from investing again. What can you do to avoid making investment mistakes? Read this article. 5 Common Investment Mistakes You Should Avoid 1. Investing with Emotions When investing, remove emotions and use logic and calculations alone. Remember that you are not the only one assessing the asset you intend to purchase. You simply do not start an investment because you like the product. Consider the fundamental and technical metrics of the asset. If they match your investment goal, go for the asset. 2. Not Considering Market Emotions (Direction) The only time you should consider emotions is when you want to analyze the emotions of others. By the emotions of others, we mean analyzing if the asset will continue being useful to people in the long run. If people are tired of using a pr...

  Source After seeing the assets that fit your investment goals, what next? Portfolio construction is a vital step in investments that you simply cannot ignore. Portfolio construction means giving the different assets in your portfolio the right wealth allocation that fits your investment goals. How do you construct your portfolio optimally? Read this article. 5 Portfolio Construction Tips 1. Set Your Clear Investment Goals You first need to set your goals. Some things to consider are: Required or expected return : How much would you like to get in return for your investment? Take this as a rate (i.e., percentage). How much percent return would you want in a year or so? Only go for assets that exceed this rate. Maximum risk exposure : How much in percentage would trouble you so much if you lose it? That is your maximum risk exposure. Only go for assets with risk exposure below your set risk. Dividends, coupons, or regular payouts : Would you love to be paid regularly? Some ...

Source “Investor type” is a popular subject in the world of investment. It is rightly so because without defining what your investor type is, you just might be making a very big mistake while investing. Thankfully, we are here to help you discover what your investor type is. What should you consider to know your investor type? Read this article. What Is Your Investor Type? While there are so many available investor types, there are three major types and they are as follows: P assive Active Semi-Passive Let us look at them individually, shall we? Passive Investor (Conservatives) Passive investors are investors who aim to preserve their wealth and minimize risks. While they’d appreciate extra returns from their investment, passive investors truly aim to minimize risk. Therefore, wanting extra (or more) returns is a secondary goal. Ask yourself: when choosing what to invest in, which do you think of first between what you will gain and what you will lose? If you care a lot a...

Source New to intentional investing? Look no further, as we are here to guide you through the entire process. Now that you have an interest in investing, you must learn different quick and conventional parts you can follow. Read this article to expose yourself to the world of investment. 5 Investment Opportunities for You 1. Stocks You can buy the stocks of publicly listed companies. You can also buy the stocks of private companies. However, the stock of public companies is more accessible. Buying the stocks of a company makes you a part-owner of the company. This means that you will receive dividends like other shareholders. You can even vote in important elections. What's more? The price of company stocks changes over time. Therefore, you can make more money in the returns of a stock that grows. 2. Bonds Bonds are like debts that an entity has to pay back to you. For example, you can purchase government bonds. This means that you are lending the government an amou...

As you get older, you become more intentional, especially if you want to make the best out of life. A part of being intentional is financial discipline. This includes investing. There are many reasons why you should invest and start right away. Read this article to learn the most important reasons to start investing right away. 7 Reasons to Start Investing Right Away Source 1. To Beat Inflation As of this article, Nigeria's inflation rate is 33.88%. Just in case you don’t know, this means that the prices of goods and services in Nigeria were up by at least 33.88% in one year. Therefore, something worth ₦1000 a year ago is now worth at least ₦1338.8. This is a significant increase. Now imagine what was worth a million last year. How does this affect you? It means that with your ₦1000 a year ago, you can no longer afford what you could have afford with the same amount. Therefore, you will become poorer and poorer if you do not find a way to beat the inflation (i.e., make yo...

Source You must've seen “Expected Return” in the dashboard of different stocks and now, you want to know what that means. Well, the return of a stock is one of the most valuable metrics you should watch out for. Why should you care about the return of a stock? What really is a stock’s expected return? Read this article to find out. What Is Expected Stock Return? The expected return of a stock is simply what financial analysts expect a stock to return after a year of investing. If a stock's expected return is 15%, financial analysts say that if you buy ₦1000 worth of the stock today, you should get around ₦1150 next year. A stock’s expected return is calculated by getting the average of its annual return for the past 3-7 years. 3 Reasons Why Should Consider the Expected Return? 1. It Gives You A Historical Overview of an Asset’s Rewards for Investment They say that nothing is new under the sun. Except something mind-blowing and surely newsworthy happens to a compan...

  You do not need to own an asset to receive news and updates for that asset. Don’t you think? In the Assessworth platform , we give you the chance to add any asset you want to your watch list for analysis and updates. Why exactly should you add assets to your watch list? Read this quick article. 5 Reasons to Add An Asset To Your Watch List 1. You Do Not Have the Asset Yet But Have the Interest When you own an asset (i.e., it is in your portfolio), you will know if the asset is suitable for you or not. You can check using our “Check for Unsuitable Assets” feature. However, such a feature can still be available for you even if you do not own the asset. You simply need to add the asset to your watch list to benefit from our analysis and recommendations. 2. The Asset Was Recommended to You You do not just go straight ahead to buy an asset simply because it was recommended. While you can if you like, consider first watching the asset for a while, especially if you cannot bu...

 

 hello

 hello

 hello

 hell

 hello

 hello

 hello.

Source Dividend this and dividend that. You’ve been hearing about dividend stocks for a while now. What are they and why are they important? Are they suitable for you? Let’s find out by reading this article together, shall we? What Are Dividend Stocks? As the name suggests, dividend stocks are stocks that pay dividends. Let’s try to break this down a bit for you. When you own a company and the company starts making cash profits, you are entitled to the profit, right? This profit given to you is what we call a “dividend.” The dividend is simply a part of the cash profit of a business given to its owners. When you buy a stock, you are a part-owner of the business. Did you know that? If yes, then you should not be surprised when the company gives you back some of its profits. The takeaway point here is that dividend stocks are stocks that pay either high dividends compared to other stocks or dividends more regularly than other stocks. 3 Reasons Why You Should Go For Divi...