Simple Diversification Techniques for Safe Investing | investing

Almost all savvy investors know it is critical to diversify their investments to protect themselves from major losses. And new investors also know they don’t want to lose their shirt so there has to be something they can do to protect their money, to invest safely.Numerous books or chapters within investing books, magazine and online articles have been written about diversification. Usually these sources focus on splitting your money amongst different types of investments, i.e. a large-cap mutual fund, an energy ETF and perhaps a sector ETF or fund.There are other ways to diversify that are often overlooked.Strategies – your actual investment strategies can form a method of diversification. Instead of putting all your eggs, your money, into one basket, one style or type of strategy a variety of strategies can help protect your funds and, even more so, enable you to grow your portfolio during almost every economic situation.Having two or three different strategies for each type of investment can enable you to keep abreast of market twists and turns, ups and downs. For example, if you are investing in sectors as one part of your portfolio then you should have two or three different sector strategies. These can differ from each other based on types of relative strength analysis (e.g. alpha, relative strength momentum or return).Knowing when to switch from one strategy to another can be easily accomplished by viewing a performance chart with each of your strategies represented in one chart – not all of your investment strategies, just the ones that focus on the same type investment; i.e. sectors or large cap funds or energy ETFs. Checking this chart every week or two can tell you in a glance which strategy to use.Another method of diversification is to differentiate your strategies based on your buy-sell rules. For example, one strategy could have a market exit signal with a short setting for rapid response to market ups and downs while another could be set for a more moderate response that allows for normal market variations without bumping you in and out of your positions with every turn of the market, or perhaps is set for a long-term holding that only reacts to a prolonged market slump. Again, viewing a combine strategy chart will tell you which strategy is currently the best to use for investing.A third diversification technique is similar to viewing the strategies for a particular group or investment type. This technique involves comparing the overall performance of each investment group or category (the large-cap fund, energy ETF, sector ETF, etc.) to see if one group or multiple groups are not currently giving you solid gains. Just like one or more industry sectors may not be performing well, so you may have a group that underperforms during a particular market. This is one reason to follow six to eight groups or universes of investments so you can capitalize on those that are performing best at any given time.Looking at the equity curve of your strategies and groups or a combination chart will take but a few moments and quickly tell you which ones are underperforming.In essence you can maximize your investment growth potential by diversifying based on:Different type of analysisHaving 2 – 3 strategies for each type or group of investment
Compare strategies with a quick view of a combo chart
Vary strategy buy-sell rules to take advantage of different types of markets (flat, volatile, steady upward, etc.)
Compare investment groups to focus on those that are growingThus the key to growing your portfolio, to safe investing involves diversification that goes beyond simply buying a number of stocks.

An Introduction To The Art Of Garden Design | gardening

This article is the first in a series that will explain the many facets of garden design and provide you with the knowledge required to plan a functional and aesthetically pleasing garden. In these articles you will find the necessary information required to undertake your own garden project from conception through to completion.Every garden benefits from good garden design. Whatever your expectations are, planning and design are essential. One of the first questions I ask a client (as a design consultant) is “what do you want from your garden?” The planning will focus on these needs and create a personalized garden that can be enjoyed by everyone for years to come.To provide a definitive guide on garden design I would need to be writing a 500-page book, so we will only look at the absolute basics in this article. One thing I have learnt over the past twenty plus years as a garden designer is that few of us are totally content with our gardens. Despite the immense pleasure we derive from them, there is always something that could be better.Many long for a larger garden, a few for something smaller and more manageable, but the vast majority will make the best of their existing plots. Improving our garden spaces, coaxing the maximum impact from them is an enjoyable challenge that most avid green thumbs would rise to. The trick of course is knowing how!Gardening is essentially about growing plants, but the setting in which we place them is probably the single most important element that makes a garden appealing or otherwise. Personal tastes in garden styles vary as much as in other aspects of living, and what appeals to one person may not appeal to another. The true test of good garden design is whether the result appeals to you. As a garden designer I have always seen my role as a facilitator, aiming to assist my clients to create a garden that reflects their taste and personality.A good garden designer will open a magic box of inspiration and imagination. We show you what other enthusiastic gardeners have done, and how others have made the most of potentially insurmountable plot issues.Your own level of interest is the key factor to consider when making a decision to have your garden designed and constructed by professionals or taking on the project yourself. It will cost you a great deal of money and the chances are that it won’t give you as much satisfaction as having created a garden through your own efforts.Engaging a design consultant to explain the basic techniques and perhaps provide some inspirational ideas may be all you need to get the ball rolling. In the end only you can decide what is right for your garden. Tastes in gardens vary as much as in interior design and preferences for art or music. The true acid test of whether your new garden design has worked is only gauged by the pleasure that it gives you.Make use of a professional designer by allowing them to suggest ideas and explain the techniques they use. Have faith in your own ability to soak up their inspiration and experiment on paper. You will soon develop skills that will enable you to design your garden with confidence.The best gardens are carefully planned. The most important elements include:
Creating your wish-list
Surveying and measuring
Drawing your plans
Creating patterns
Choosing a formal or informal layout
Understanding garden styles and themes
Using shapes – both geometric and unusual
Overcoming gradients
Front versus back gardens
Creating Illusions
Preparing a planting schedule
Maintenance – high or low
Understanding these facets of landscape design will enable you to create a 3-dimensional image in your mind of the desired end result.In future articles I will look at some of these specific elements of sound garden design in more detail, and provide you with the information required to tackle a design project yourself. A little knowledge goes a long way and I have no doubt that you will surprise yourself by discovering exactly what you can achieve.As always… Happy gardening!


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