Climate Finance

Today, millions of people across the globe are facing problems related to personal finance and are desperately seeking permanent solutions. If you're one of them or you simply want to maximize your earning capacity, then you have come to the right place.

We welcome you to our site. We are a group of professionals and experts entirely dedicated to helping people achieve financial freedom.  We are widely aware of how financial woes continue to plague our society, affecting one family after the other. Our task is to keep you debt-free and retirement-ready, and the best way to achieve these is through financial literacy.

Most people are accustomed to the traditional means of earning - employment, freelance work, business, and so on. This is great, but we are here to tell you that there many other ways of earning conveniently and exponentially which most people are unaware of or are afraid to try. With our guide, you will know which investment option best fits your financial need.

Let us start with the basic - stocks and bonds.

Depending on your personality as an investor, several investment vehicles are available for your choosing. Bonds are debt investments loaned to entities, usually corporations and governments, for a definite period at either a fixed or variable interest rate. Owners of bonds passively earn from the interest paid off by debtors.

Stocks, on the other hand, are shares of ownership in any given publicly-listed company that wishes to expand or fulfill other business pursuits. A stock represents your claim on the company's earnings and assets. As the company grows, your money grows, and again, this is a passive income for you. This is the beauty of trading. You let your money work for you, rather than you working to earn money.

At the beginning, the concept can be overwhelming and it is exactly for this reason that we exist. In fact, both bonds and stocks are traded in markets, which are commonly played by experts who are duly accredited and have gained a good standing. Nowadays, stock brokers have opened their doors for individual investors who can now invest in stocks at a minimal cost and within the comfort of their home.

We not only inform you about the basics of trading, but also caution you about the risks involved and recommend strategies. For one, we encourage you to diversify to minimize risks by investing in mutual funds. Never put all your eggs in one basket.

Financial health shouldn't be just your banker's responsibility. Take charge and ease your way towards financial freedom. We are here to help you mitigate risks and make wise investment decisions. We make complicated investment and trading concepts simple for you.

Good money habits mean the difference between being in debt and being able to live comfortably after retirement. Even if you are able to put aside some extra cash at the end of each month, not knowing how to manage your savings will prevent you from earning more money from them.

The habits listed below allow you a step-by-step and simple way to become financially wise.

1. Identify What Your Needs and Wants Are

Understanding where your money is going is the first step in controlling your finances. Impulse buying is a habit that will destroy your savings. Knowing what your needs and wants are will help you in budgeting. After you list down your bills and other needs, identify the amount you want to save. Your budget for your wants is the money that is left behind.

If you find yourself not being able to save anything, then it is time to review the details. Are there ways to reduce your bills, like switching to a cheaper phone plan? How much do you spend on getting coffee or eating out every day? Adjusting where you can will help you reduce your expenses.

2. Save Automatically

After you identify how much you want to save, make sure it is automatically deducted from your account soon after you receive your salary. It is important to keep it somewhere inaccessible before it gets spent. This habit will allow you to save consistently every month, so even if you set a little amount only, it will accumulate in the end.

3. Get a Retirement Plan

There are many offers on retirement plans out there, but you can look at which ones are sponsored by the company you work for. Not only does this lower your taxable income, but your company is also contributing as much as you do. This way, you are putting aside more money.

4. Try Investing

Regarding the money that you will not use for the next few years, investing is a good option. As this money earns interest, it gets added to your principal and you can slowly see your funds grow. There are many options out there and it is best to do your homework to choose a great plan.

You do not really need complicated steps to start building good money habits. With these 4 steps, you can already see yourself meeting your savings goals and building your little nest for the future.

Many people are looking for ways to grow their savings, especially with interest rates at historic lows. Because of the gains the stock market is currently making, trading stocks is becoming a great option for many who want to make their money grow. Many people get put off from doing so because they fear their lack of knowledge on financial trading. However, there are simple steps that you can take as a beginner to try it out.

1. Prioritize Where Your Money Goes

While the possibility of making a lot of money from trading is there, it also comes with the potential of losing. Moreover, once you have money in stocks, you might not be able to easily take it out. When the rates are low, keeping them until they increase in value again makes sense. This means you should only invest money you will not need.

Beyond your day-to-day expenses, bills, and other expenditures, you should always target a set amount to save and possibly invest in other ways. This will make sure that you are covered for retirement whatever happens. All the extra money can then be your funds for trading.

2. Learn About Trading

When it comes to picking which stocks to buy, you may always choose the brands you know or are popular. However, they might already be highly valued so you should try others out there.

Some do in-depth stock research, but you would not have to. It is enough to just read about the companies you want to invest in, and study their financial status, the stocks, price history and other similar information. If you find it too complicated, you can turn to online educational resources, including courses for beginners. Forums, trading websites, and even chats with expert traders will help you identify companies worth investing in.

3. Pick A Broker

Finding an online broker is important, and you need to choose one that fits your needs and budget. Good attributes include educational resources to help you learn more about trading, user-friendly websites or tools, and great customer service.

4. Ease Into It Slowly

Jumping into trading can be quite daunting, so you can try doing it slowly. Some trading sites allow you to practice with fake money so you understand the process. Until you understand how it goes, you can do dollar-cost averaging, or investing a certain amount of money regularly. You can start putting in larger amounts once you are more confident and understand where to put your money wisely. Your research is also valuable in ensuring you are buying when the prices are low.

5. Make an Exit Plan

While you do not want to lose money, it might eventually happen. Companies’ stocks lose value all the time, so you need to make a plan on what to do when this happens. Most importantly, identify a maximum amount of devaluation to know when to sell your stocks. While you stand to lose some money from your initial investment, it still prevents you from losing much more or worse, everything.

It’s a good thing there are many online resources that will help you get the information you need, so make sure you do a lot of reading before you plunge into trading. Doing so will make sure you know what you are getting yourself into. With a little bit of practice and good research, you will find yourself in the exciting world of trading.