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Welcome to Dynamic Wealth Management

Welcome to Dynamic Wealth Management's brand new website.  Please take a look around and take a moment to read the blog.  I will be posting my thoughts on investing and the markets every Monday, so check back every week to get the latest news.

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Dynamic Wealth Management
The Dangers of Trying to "Time" the Market PDF Print E-mail
Written by Kalson Jang   
Monday, 07 June 2010 18:03

Everybody loves a good deal and everybody loves to buy something right before the prices go up. Unfortunately, trying to do this with financial markets is not a wise thing to do! No one can say with 100% certainty where the markets are going to go in the short, medium or long-term, but we can make educated decisions based on information we have to help guide us into being in the right places at the right time.

The further away we look, the easier it is to predict where the financial markets will go. For example, if I were to predict where the markets will be 5-10 years from now, I can say with A LOT of confidence that the markets will be up from where they are today. If you ask me where they will be 2-5 years from now, I can say with confidence that I believe the markets will be up from where they are today, but I am not as confident as I was in the previous statement because the time-span is shorter.

As the time-span gets shorter and shorter, predictions about where the markets will go become increasingly harder to make. If you ask me where the market will go tomorrow, I would not be able to answer that question.

This is why it's important for the smart investor to be "Fully Invested" at all times.

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How to Invest in Uncertain Markets PDF Print E-mail
Written by Kalson Jang   
Monday, 31 May 2010 17:40

2 weeks ago I spoke about the difficulty many people face in overcoming their feelings of fear and greed when it comes to investing. It is human nature to feel greedy when the markets are hot and everyone is buying and to feel scared when the markets are down and it SEEMS like everyone is selling. In reality, you should be buying when everyone is selling and selling when everyone is buying!

Of course, that is easier said than done!One strategy that I often use for clients who are uncertain of where the markets are going, or clients who are more risk adverse is "Dollar Cost Averaging".

The idea of Dollar Cost Averaging is simple:Invest the same dollar amount on a regular basis. When prices are low, your pre-set investment amount buys you more units. When prices are high, your pre-set investment amount buys you less units.

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How Emotions Cause People to Lose Money! PDF Print E-mail
Written by Kalson Jang   
Monday, 17 May 2010 17:33

When people think about investing, they often think about numbers, analysis, charts, graphs etc. etc., but one of the most important things about investing is the psychology of investing.

By nature, society is fearful and greedy. When the markets go down, everyone envisions the markets having a total collapse. When the markets are red hot, everyone piles on the money hoping to get some of the "action".

Although that is what 99% of investors out there do, it is not the correct way of doing things. Stocks like any item that is bought or sold is priced based on supply and demand. The more people want it, the more expensive it gets. When no one wants it, it's cheap. It's a simple concept, but one people tend to forget when emotions are running high and their feelings of fear and greed take over.

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The Difference Between Investing with Me vs a Bank! PDF Print E-mail
Written by Kalson Jang   
Tuesday, 25 May 2010 18:34

Over the years, I have come to realize that many of the clients whose accounts I transfer over to my management have been investing their money with the banks.

People tend to invest with the banks as it is usually the place where they go to deal with money in the first place and as a result, the bank makes it easy for them to invest their money with them as well.

However, despite the perceived convenience of investing with the Bank, there are many disadvantages in doing so:

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Mortgage Insurance vs Life Insurance - Which is BEST? PDF Print E-mail
Written by Kalson Jang   
Monday, 03 May 2010 15:42

We're all reaching that age where we start to see a lot of changes in our lives. Some of you have just moved out and are living on your own, some of you just got married and some of you have just started to have kids! With all this change comes a lot to think about and plan for!

Many of you have moved into a new home with your spouse and maybe even a newborn baby. You are splitting the expenses to make sure ends meet, the mortgage is paid, food is put on the table, bills are paid and money is put away for the future. But have you ever stopped and thought about what would happen if something happened to your spouse? Would you be able to continue to live in the same home with only half the income? Would you still be able to pay all the bills? Would you still be able to put money away for your future and the future of your child?

I know no one likes to think about these things and everyone always thinks "this won't happen to me", but it's always good to plan for the future. There are many great insurance products out there where you can pay a small monthly premium for 10-years or 20-years and at the end, you are protected by your insurance for the rest of your life with no more premiums ever. Also, if you decide at the end that you don't want the insurance anymore, you can get all of your money back so there's absolutely no risk to you!

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